3rd quarter sales stats

Here are some numbers for all the interested people looking to buy or sell their home during the winter months.

Since November 1st, 2016 we have seen a huge number of single family dwelling homes sell. At the time of this post there were 230 houses sold. That is an average of 5.9 houses per day. Now the condo market has only seen a sale of 94 properties selling in the same time frame.

Which brings us to a total of 324 properties selling in 39 days. Awesome!! 8.3 properties selling each day on average.

For the 3rd quarter Average Sales price we saw an increase over last years third quarter by just over 2.3%.

Year to date average we see a small decrease in the sale price by only 1.2% from last year. Which is a lot better than most people think!

If you are wondering how your house fairs against the current market, please do not hesitate to call, email or text us at any time.

Put us to work for you!

11 ways to winterize your home on a small budget

As Winter has shown up a bit earlier than expected here are a couple things you can do to keep your home costs down.

Clean Your Gutters

You’ve heard it before, but we can’t stress this enough. Making sure that water can flow freely through your gutters now will help prevent icicles and ice dams from forming later. Cost: Other than your sweat and time, free.

Flush the Water Heater

Particles and sediment can collect over time in the bottom of your water heater, hindering the unit’s efficiency. Flush the water through the drain valve to clear out the material and keep your heater functioning at its best. Cost: 100% free!

Clockwise Ceiling Fans

Ceiling fans are everyone’s favorite summer budget-saver. But they can help out in the winter as well! Have your ceiling fans move in a clockwise direction so they push hot air along the ceiling towards the floor. If they’re going counterclockwise, they won’t be as effective. Cost: free if you have a fan.

Replace Filters

Regularly changing the filters in your central air and heating system can significantly improve its efficiency and longevity, while easing the pressure on your wallet. Cost: a new filter runs about $10.

Window Insulation Film

It may not be the most fashionable tip, but window insulation film can keep up to 70% of your heat from leaking out of windows. Cost: $20 to $35 per kit.

Draft Guards

Draft guards can help save heat from escaping under the door. Cost: $10 to $15. (If you don’t want to shell out for a draft guard, a rolled towel placed at the bottom of an exterior door will also do the trick.)

Weatherstrip Tape

Drafts and air leaks increase your heating costs, so make sure your windows and doors are sealed tight with weatherstripping. Simple, easy, and smart. Cost: $5 to $10 per roll.

Fiberglass Insulation

For maximum heat retention, pack fiberglass insulation around basement doors, windows in unused rooms, and window AC units.  Make sure your attic floor is insulated, too. Just remember to be careful and wear gloves! Cost: around $25 per roll.

Programmable Thermostat

The US Department of Energy says you can save as much as 1% on your energy bill for every degree you lower your home’s temperature during the winter. Install a programmable thermostat now and save money by keeping the temp down when you’re not at home.

Just Caulk It

Any remaining gaps in siding, windows, or doors can be filled with caulk. For extra drafty windows and doors, caulk the inside too, pulling off moldings to fill all gaps in the insulation. Cost: $20 for a basic caulk gun and $5 to $10 for a tube of caulk.

Chimney Balloon

Your chimney is a huge source of heat loss come wintertime. If not in active use, plug it up with a chimney balloon to keep drafts out and heat in. Cost: $55.

 

Time on the Market

With Spring in full effect we tend to see more activity on the sales of Saskatoon properties. This year there was a lot of “talk” that the market was soft or slowing down. There is no denying that it did slow down in 2015. In fact the average sale price dropped by 0.88%.

But in the residential sales within Saskatoon city limits we have seen 271 houses sell in the month of May 2016. It took on average 31.25 days for a house ranging from $24,000.00 – $1,070,000.00.

Last year there was 298 houses that sold in the month of May. It took those houses 42.71 days on average to sell. Ranging from $55,000.00 – $872,500.00.

 

Whether you are thinking of selling in this active market or buying where people consider it to be a “Buyer’s” market, please do not hesitate to give us a call and put us to work for you.

Talk to you soon!

Real Estate Terms

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Ever wonder what some real estate agents are talking about when they mention “Bridge Financing”,  “Real Property” or “Estoppel Certificate”?

Here are some terms you may hear in the midst of buying or selling your next home and think “what does that mean?”.

There are many more so do not hesitate to ask your agent if you are not sure of the meaning.

Agreement of Purchase and Sale: A written document in which the purchaser agrees to buy certain real estate and the seller agrees to sell under stated terms and conditions. This is the offer-to-purchase document that makes up the core of a real estate transaction. It itemizes the property being sold, when it is to be sold, at what price, and the terms and conditions to the sale and purchase of the property.

Amortization: How many years it will take to pay back your mortgage. For example, a mortgage with an amortization period of 25 years means it will take 25 years to pay down.

Appraised Value/Appraisal: A professional estimate of the value of a home or property. The appraisal is performed by a certified appraiser on behalf of a lender (such as a bank) to ensure that the value of the property matches or exceeds the funds being loaned.

Bridge Financing: A temporary loan to facilitate the purchase of a new home before the sale of another home. Literally, it “bridges” the financial gap between purchase and sale. For example, if you’d like to take possession of your new home a few days before the closing date of your old home for whatever reason, you’ll need bridge financing.

Building Location Survey or Real Property Report: A professional plan that plots the location of a house and structure on a lot. It is required by most lenders, and is useful in detecting physical defects and understanding lot lines, lot size and shape.

Closing Date: The date that is fixed for taking possession of a property and/or completing the transfer of title documents and balance of the down payment.

Conditions: These are the circumstances or requirements that must be met for a transaction to take place according to the Agreement of Purchase and Sale. For example, a buyer may insert a condition in the agreement that states that the offer is conditional upon the buyer securing financing.

Conditional Sale: A sale in which a buyer or seller is not bound by the agreement until all conditions are met.

Condominium: A form of property ownership wherein the owner has exclusive title to a unit within a project or building, in addition to a share of ownership in the common elements of the building or property. Common elements may include land, clubhouses, garbage removal and upkeep services, road maintenance, swimming pools, and so on. Condominium fees are paid by each unit owner, in addition the mortgage payment, in order to maintain the common elements.

Covenant(s): A covenant is an agreement, pledge or condition or restrictions that may be included as part of an agreement and registered on title to the real property. For example, a builder may include a covenant that states that storage sheds cannot exceed a dimension of 10 feet by 12 feet.

Disbursement: A payment made or disbursed by a professional like a lawyer. For example, a bank disbursement to pay for a mortgage. It may also include photocopies, courier charges and the like.

Easement / Right of Way: Access granted to persons other than the owner on a property. For example, a utility company may have a right of way onto your property in order to maintain its power lines, or sometimes a neighbour may be able to use your driveway to access their rear yard parking area.

Estoppel Certificate: Is a document often used in due diligence in Real estate and mortgage activities. It is a document often completed, but at least signed, by a tenant used in his or her landlord’s proposed transaction with a third party. A mortgage lender intending to collateralize a tenant-occupied property or a purchaser intending to purchase such a property will often want to verify certain representations made by the landlord.

An estoppel certificate provides confirmation by the tenant of the terms of the rental agreement, such as the amount of rent, the amount of security deposit and the expiration of the agreement. Further, the estoppel certificate may give the opportunity to the tenant to explain if she may have any claims against the landlord, which may affect a buyer’s or lender’s decision to complete the proposed transaction.

Some lease agreements require the tenant to complete such a certificate or to waive his responses by allowing the landlord to complete the estoppel certificate under certain circumstances.

Fee Simple: An estate in which the owner has unrestricted power to dispose of the property as he wishes, including by will or inheritance. It’s the greatest interest a person can have in real estate.

Gross Debt Service Ratio (GDS): The percentage of a borrower’s gross income that can be used for housing costs, including mortgage payments and taxes (condominium fees when applicable).

Home Inspection: A technical inspection of a property by a certified home inspector to assess the state of the property and the building structure, and advise you of existing or anticipated problems with the property that may affect your purchase decision.

Insurance Binder: A legal document that confirms your insurance policy, policy number, and the lender. You’ll need to obtain proof of insurance for the property prior to closing.

Joint Tenancy: An equal undivided ownership of property by two or more persons. Upon the death of any owner, the survivors take the decedents’ interest in the property.

Land Transfer Tax: A tax imposed by the government and paid by the purchaser of a property on closing. The land transfer tax applies whenever a property is transferred from one owner to another. It is based on the selling price of the house. Check with your province or state if a Land Transfer Tax applies.

Lien: A legal hold or claim in property as security for a debt or charge.

Mortgage (Open or Closed): A financial loan wherein the property is used as security for repayment.

* An Open Mortgage can be paid off before it matures. An open mortgage generally allows a full or partial payment of the principal at any time, without penalty.
* A Closed Mortgage cannot be paid before it matures. It features fixed payment and duration schedules. If you terminate the mortgage at any time prior to the actual end if the term, you may be penalized.

Possession: The point in a real estate transaction where the purchaser is able to take physical control of, and reside in, the property.

Power of Attorney: A legal document that allows you to designate your lawyer or a third party to sign and authorize documents on your behalf should you be unavailable. This may be useful during the period leading up to and including closing day, as well as in the long-term to ensure that your affairs can be taken care of by a person you trust in the case of your leaving the country or becoming disabled.

Principal: The amount borrowed (i.e. what you owe) on a mortgage. Your mortgage interest is paid based on this principal amount.

PCDS: The Property Condition Disclosure Statement is a disclosure document a seller is required by law to complete and provide the buyer in addition to the purchase agreement. The PCDS forms part of the purchase agreement and the buyer is permitted to rely on the seller’s disclosure as set out in it. The seller must disclose various key points a buyer would want (is the property connected to sewer or on septic for example) to know before buying, as well as disclosing any defects or issues with the property that would normally require disclosure. There are requirements to inform buyers of strata details where the property is a strata. There are requirements to disclose of issues that would clearly be relevant in making a decision to buy or not to buy, such as whether or not the property has been a grow op in the past.

Real Property: Real property means land and any item permanently attached to land.

Registry Office/Land Registry Office: The office where all formal closing transactions take place, are logged and archived.

Resale: The purchase of an existing, previously-owned home. A resale transaction is substantially more involved than the purchase of a new home, as a resale home carries a history of ownership that must be reviewed by your lawyer.

Reserve Fund: A common fund into which all owners of units in a condominium property pay a regular fee for the maintenance of common elements.

Search of Title / Title Search: A process whereby your lawyer searches all archived titles to your property in order to ascertain whether the property’s title is free and clear and can be sold to you as stated.

Tax Adjustment: An adjustment in the tax account for your property. In most transactions you will see some form of tax adjustment to account for any overpayments or arrears that may exist in the tax account at closing. For example, a seller may have paid taxes for the three months following closing. In that case, a tax adjustment equivalent to three months’ would be provided to the seller by the buyer upon closing.

Tenant Protection Act: A law that governs the relationship between a landlord and a tenant, as well as a landlord’s responsibilities to tenants and their leases. Even when purchasing a rental property that is new to you, you are bound by this law, which covers leases, rental costs, and more.

Title: A legal document that identifies a property and the owner of that property.

Title Insurance: A no-fault insurance policy that protects you against any current or future claims to the title of your property. Title insurance, along with your lawyer’s Search of Title, is designed to protect you from risks such as someone else making a claim to title of your property.

Eight Basic Steps to Buying Your First Home

Buying a home is one of the biggest decisions that you will ever make. It is important to take this decision seriously. You need to take the time prepare yourself in every aspect in order to make your home a blessing, and not a negative experience. Here are the basic steps that you should follow when it is time to buy a home.

Time Required: Several Months

Here’s How:

  1. First you should determine if you are ready to buy a home. Home ownership is a lot more expensive than renting. You are responsible for paying for all the repairs. You may also have added utility costs, such as garbage and water. In addition to that you will need to pay for taxes and insurance related to your home. These costs add up quickly, and if you are not financially prepared, you may end up in a very negative position. You should take the time to get out of debt and save up an emergency fund, before you purchase your first home. You should definitely get rid of all of your credit card debt first. 
  2. Second you should begin to shop for a loan. You need to get preapproved before you shop for a home. This will help you to look within your price range. You should contact at least three people before you decide which loan to take. A mortgage broker will look at several different loan companies to find you the best rates. However, your small local bank or your credit union may have options that will save you money as well. Once you find a loan with the correct terms you can begin shopping.
  3. When it comes to your mortgage you may be surprised at the different loan types and payment options available to you. It can be baffling when you think about ARMS and PMI. Usually a fixed rate fifteen or twenty year loan is the best option. This can help you lock in a low rate. You may be considering creative financing to cover the down payment, but you should be careful when you make these choices. You want to build wealth with your home purchase. If you make the wrong choice than you may end up hurting yourself financially.

     

  4. You also need to determine how much home you can really afford. A good rule of thumb is to keep your mortgage along with your taxes and insurance between twenty five and thirty percent of your income. Other experts advise that your home cost be limited to two and half times your annual salary. It can be crippling if you are house poor. If you spend too much on your mortgage you may not be able to meet your daily obligations let alone save for retirement. A smaller house is worth the peace of mind.

     

  5. Once you have determined how much you can really spend and are preapproved you should find a good realtor. Your realtor should listen to your wants and needs carefully. She may make recommendations or explain the market to help you find a home that suits your needs and that you can afford. She should offer several different options. Once you make an offer your realtor should work to negotiate terms that you are happy with. A good way to find a realtor is through the recommendations of friends and colleagues.

     

  6. Another important step is a thorough home inspection. This is different from an appraisal. You should pay for the home inspection. The home inspector will look for hidden problems with the home. Through the home inspection you can learn about any issues that may prevent you from buying the home. This may include mold problems, termites, foundation problems and a bad roof. The inspection can save you thousands in repairs later on. Additionally you may be able to negotiate a lower price if you know the home needs a new roof.

     

  7. Once you have bid on your home and the offer is accepted you will go into escrow. The escrow holder will work to make sure that all the documents, money and other necessary information is together before you close. Escrow is set up to protect the buyer, the seller and the lender. It can take time to complete escrow, although the time really depends on circumstances around your purchase. Once everything is completed for escrow you will sign the closing papers. You may or may not sign your mortgage papers at escrow. If you do, you can request that the bank send a representative to help you fully understand your loan.

     

  8. Once you have closed on your home, it is time to move in. You can paint, unpack and enjoy your new home. Be sure that you change your address with your bank, and other accounts. You can set up your utilities and cancel your old ones as well. This will save you time and money, because you will avoid late fees. Some companies will waive installation fees if you transfer your old account to your new address.

    Tips:

    1. It is important to realize that you need to include the cost of taxes and homeowner’s insurance into your monthly housing cost. With the insurance and taxes your monthly housing costs should not be more than thirty percent of your monthly salary.
    2. Additionally you should be prepared to pay for all of your closing costs out of pocket. This will save you money over time. If you are finding it difficult to save up for closing costs you may not be ready to purchase a home.
    3. Be sure that you can afford your home payments, don’t stretch yourself because you may end up losing your home, which can destroy any good memories you have of your home.

30 DIY tricks to help you save money around the house

Remember when the tightfistedness of relatives raised during the Depression was amusing? Our grandparents’ certificates of deposit and plastic couch protectors seemed downright quaint when our own home-equity and retirement portfolios were ballooning. Suddenly, though, the pot-roast-and-potatoes ethic doesn’t seem quite so kooky. We’d even say it’s worthy of a salute. So tip your cap to all your penny-pinching kin and read on for the best why-didn’t-I-think-of-that ideas for shrinking your household expenses, from getting free trees from your town’s public works department to installing an under-sink filter to cut costs on pricey bottled water.

SAVE UP TO $50

1. Shorten your dryer-vent hose. First, disconnect it and vacuum it out. Then trim the hose length so that it’s just long enough for you to pull the dryer a few feet out from the wall. A short and unobstructed line makes your dryer run more efficiently.
Cost: Free.
Savings: $25 a year on electric, gas, or propane.
Bonus: Your clothes will dry about 20 percent faster.

2. Borrow specialized tools—gas-powered post-hole diggers and table-mounted routers—from a DIYer in your area for a small fee. Go to Zilok for far better deals than rental retailers offer.
Cost: $1 to $100 per day.
Savings: $50 or more for the same tool at a rental center.
Bonus: Getting to know fellow renovators in your neighborhood with whom you can swap tips.

3. Close closet doors to lower the square footage you’re heating (and cooling). Shuttering closets along exterior walls also helps to insulate the house.

Cost: Zilch—although it may take a few minutes for your clothes to reach room temperature before you put them on.
Savings: About $50 per year off your energy bills.
Bonus: You and your guests won’t see closet clutter.

4. Choose one neutral trim paint for the entire house rather than buying a gallon of a particular color for each room and using only a fraction of each can.
Cost: You have to forgo the trendy color combos in the paint manufacturer brochures.
Savings: $50 on paint for three rooms.
Bonus: Crisp white trim is always in style, and you’ll never have to rummage around for the right can for touch-ups.

5. Sign up for your utility’s time-of-use plan.Many regional power suppliers offer rebates for reducing electricity consumption during periods of peak demand.
Cost: Washing clothes and dishes at night during nonpeak hours, and turning the thermostat up or down a couple of degrees during a cold snap (or heat wave).
Savings: $25 to $50 per month on your energy bills, depending on the season.
Bonus: You’re easing the strain on the power grid—and lowering the odds of a blackout.

6. Make your own cleaning solutions using inexpensive kitchen staples, such as white vinegar and baking soda. See The Green Guide for recipes.
Cost: A few bucks in extra pantry supplies.
Savings: $50 or more per year on commercial cleaners.
Bonus: Cleaners that don’t contain harsh chemicals are healthier for your household.

7. Turn down the thermostat on your water heater. It’s probably set at 140 degrees F to shorten the wait time for a steamy shower. But 120 or even 110 degrees is plenty hot.
Cost: A few minutes with a screwdriver in the utility room.
Savings: $30 or more per year on gas, oil, electricity, or propane.
Bonus: Your kids are less likely to scald themselves if the max water temperature is 120.

8. Install dimmer switches and use energy-efficient halogen bulbs, rather than incandescents. Dimmable CFLs are even thriftier, but some flicker at low power.
Cost: $10 per switch at The Home Depot, $5 for a Philips Halogena bulb at Bulbs.com.
Savings: $20 per fixture on electricity over three years.
Bonus: Halogens tend to outlast incandescents, saving more money over the long haul on replacement lights.

9. Replace central-air-conditioning filters every month during the summer to keep air flowing freely through the ducts and reduce strain on the blower motor.
Cost: About $11 for three filters.
Savings: $40 or more on cooling costs.
Bonus: New filters keep dust and mold from collecting on condenser coils, extending the equipment’s life.

10. Get your chimney swept in the summer for an off-season price.
Cost: Just a little forethought.
Savings: $50 per flue.
Bonus: Get the job done at your convenience because sweeps’ schedules are wide open.

11. Use your microwave instead of your range; it consumes half the power.
Cost: $15 for the Microwave Gourmet cookbook at Amazon.com.
Savings: $40 or more per year on electricity or gas.
Bonus: Having dinner ready in a fraction of the time.

12. Use your laptop. It runs on batteries, which use 80 percent less electricity than a desktop computer.
Cost: Being vigilant about unplugging the battery charger once your computer is juiced so it doesn’t sap unnecessary energy.
Savings: $30 per year off your electric bill.
Bonus: You can relax on the sofa while perusing coupon sites.

13. Insulate hot-water lines. Preformed foam tubes fit right around the pipes, thanks to a slit along their length.
Cost: 29 cents to 35 cents per foot of insulation, depending on pipe dimensions, at Energy Federation.
Savings: $50 per year on energy.
Bonus: Halving the wait for hot water to reach upstairs faucets.

14. Set up a makeshift kitchen when a remodel project temporarily leaves you without a cooking area. All you need is a prep surface, micro-wave, coffeemaker, and fridge.
Cost: Nada. (Get the work crew to help move your fridge.)
Savings: $50 per day on take-out and Starbucks coffee.
Bonus: You won’t pack on extra pounds from stuffed-crust pizza.

15. Choose a light-colored roof. Using pale shingles, particularly if you live down south, will reduce the solar heat your roof absorbs, reducing the need for air-conditioning. Up north, the cooling benefit is offset somewhat by the loss of solar warming in the winter.
Cost: The same as dark roofing.
Savings: $40 per year or more on summer cooling costs.
Bonus: Your “cool roof” may earn you a utility company rebate.

16. Get your fall yard-cleanup crew to clear your gutters instead of having a gutter guy make a special trip.
Cost: $100 for your lawn crew.
Savings: $200 or more that you’re not paying the gutter guy.
Bonus: There’s no risk of gutter gunk being dumped onto your lawn after all the leaves have been blown and bagged.

17. Set your computer to sleep—not just the monitor, but the hard drive, too—so that it automatically dims after 10 minutes of nonuse.
Cost: It may doze off when you don’t want it to and you’ll have to punch a key to wake it up.
Savings: $75 per year off your electric bills.
Bonus: Like people, screens and hard drives age more gracefully with plenty of rest.

18. Wait to replace your grill, lawn mower, or patio furniture until the fall, when stores mark down their inventory to make room for holiday decorations and snowblowers.
Cost: Making do with what you have this summer.
Savings: $150 or more per item.
Bonus: Retailers—especially online ones, such as Target—often provide free shipping on leftover warm-weather gear.

19. Shop for phone, electric, and cable service at Whitefence; it’s like Travelocity for utilities. Enter your ZIP code and compare rates offered by providers in your area.
Cost: A few minutes online.
Savings: Up to $150 per year on your utility bills.
Bonus: The switch to a new carrier can usually be made without an in-home service call or fee, and you can keep your old phone number.

20. Prune that overgrown rhododendron rather than replace it. If the shrub is blocking your front windows, cut it down to 18 inches high in late March. It’ll regenerate into the plant you want with routine maintenance in one to two years.
Cost: 1 hour with pruners.
Savings: $100 to $200 for each new mature shrub you don’t have to buy.
Bonus: Because the plant is already established, it won’t need the intensive watering a new specimen requires during its first growing season.

21. Buy a deluxe battery recharging station and stop using disposables. A combo unit keeps a supply of AA, AAA, C, and D batteries at the ready.
Cost: A one-time investment of $40 for the La Crosse Technology BC-900 AlphaPower charger and assorted NiMH batteries (the best kind) at Amazon.com.
Savings: As much as $100 per year on disposables for dozens of tools and gadgets.
Bonus: Never again having to raid your kid’s battery-operated toys to power up the TV remote.

22. Plant a deciduous tree on the south, west, or east side of your house. Once mature, it’ll shade your roof and cut your cooling costs by up to 30 percent.
Cost: $25 to $70, depending on the tree species, at Fast Growing Trees Nursery.
Savings: About $120 per year on air-conditioning.
Bonus: The tree drops its leaves each fall, so you’ll still get the warming benefit of winter sun.

23. Skip extended warranties. They’re a hedge against the cost of repairing everything from LCD TVs to furnaces. But odds are that you’ll never make a claim.
Cost: If something breaks, haggling with the manufacturer to get it fixed for free or paying for repairs out of your own pocket.
Savings: $50 to $200 per warranty that you don’t buy.
Bonus: Not getting snagged by the fine print. Warranties may exclude your particular problem or contain a depreciation clause, meaning the product’s value goes down as it ages—and hence, the payout shrinks.

24. Comparative shop online for everything from light fixtures to fridges. Then ask your local retailer to match the lowest price you find. Sears, for example, will match most online quotes for appliances and even reduce it by 10 percent of the difference between their advertised price and the better deal you found.
Cost: A few minutes surfing the Web, plus some printer ink.
Savings: $150 off a new French door–style fridge.
Bonus: Better customer service than you’ll get online, and no worries about shipping charges or mail-order returns.

25. Install a ceiling fan. In the winter, run it at low speed in a clockwise direction to recirculate the warm air that rises to the ceiling. This will allow you to lower the thermostat a couple of degrees.
Cost: About $200 for the fan.
Savings: $100 per year off your heating bills.
Bonus: Reverse the fan direction in the summer and the airflow creates a windchill effect, making you feel cooler.

26. Get gently used tools, electronics, and furniture from Freecycle, an online community of folks who swap what they no longer need for stuff they can’t do without.
Cost: Your fellow Freecyclers expect you to donate items, not just take freebies.
Savings: $75 or more for a new-to-you wireless router for your computer.
Bonus: Freeing up space in your garage and helping reduce the millions of tons of waste dumped into landfills each year.

27. Buy firewood in the spring when it’s cheap. Logs will dry out and be ready to burn by the time snowflakes fall.
Cost: Time stacking wood in a dry spot outdoors so that it can season in the open air.
Savings: Up to $100 per cord.
Bonus: In the off-season, you won’t run into any shortages of your favorite hardwood.

SAVE UP TO $250

28. Comb through your contractor’s bid in search of places where he overestimated your job. For example, if the bid includes installation of a bathroom basinvanity, and countertop but you’ve got a pedestal sink, point out the error and ask for a lower price.
Cost: Time reviewing an itemized estimate.
Savings: Easily $200 or more.
Bonus: Using the money you saved to splurge on that high-end overhead light fixture you thought you couldn’t afford.

29. Plug in a SmartStrip. Three-quarters of the energy that electronics burn is consumed when the equipment is turned off. Rather than unplug items after every use, hook them up to a SmartStrip surge protector, which automatically kills power to electronics when you turn them off and returns it when you switch them back on.
Cost: $31 for a seven-outlet strip at SmartHomeUSA.com.
Savings: As much as $240 per year in energy costs.
Bonus: Two always-hot outlets ensure that slow-to-reboot devices like your digital cable box can be left on all the time.

30. Raise the deductible on your homeowner’s insurance from $250 to $1,000.
Cost: Potentially $750, but only if you make a claim.
Savings: $200 per year or more if yours is a high-value home.
Bonus: You won’t be tempted to make a nitpicky $400 claim, which could lead to a rate hike.

Sales are strong to start the new year

As we enter 2016 we can see a strong start to the recent real estate transactions. Since January 1st, 2016 to February 16th, 2016 as of 2:53 p.m. there has been a total of 81 condominium units, 219 single family dwellings and 19 acreages sold in the Saskatoon area for a total of 319 properties. That is an average of 6.79 properties selling per day.

Even in this apparent Buyers’ Market it would seem as though real estate is moving very well.

If you would like any more information on what is happening in and around the Saskatoon area please do not hesitate to give us a call or send us an email.

We would be glad to hear from you.

NEW WEBSITE.

Good day everyone.

Welcome to our new website!

We are very excited to help you out in any way possible whether you are buying, selling or just want general information in the Saskatoon and area real estate market.

Have a great day and we look forward to hearing from you soon.


Richard Orenchuk