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    <title>Real Estate Blog</title>
    <link>https://shelleycorley.ca/blog.html</link>
    <description>Real Estate Blog</description>
    <copyright>Copyright (C): Shelley Corley, https://shelleycorley.ca</copyright>
    <pubDate>Thu, 05 Feb 2026 17:34:24 GMT</pubDate>
    <dc:creator>Shelley Corley</dc:creator>
    <dc:date>2026-02-05T17:34:24Z</dc:date>
    <dc:rights>Copyright (C): Shelley Corley, https://shelleycorley.ca</dc:rights>
    <item>
      <title>📊 Market Monday — Bank of Canada Update</title>
      <link>https://shelleycorley.ca/blog.html/-market-monday-bank-of-canada-update-8915753</link>
      <description>&lt;p class="block-p"&gt;🔹 &lt;strong&gt;Current Rate:&lt;/strong&gt; The Bank of Canada is holding its key overnight interest rate at &lt;strong&gt;2.25%&lt;/strong&gt;. There hasn’t been a hike or cut in the most recent decision — the rate has been at this level following reductions in 2025 as the Bank responded to economic conditions.&lt;/p&gt;&lt;p class="block-p"&gt;🔎 &lt;strong&gt;What That Means for You&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;🏡 &lt;strong&gt;For Buyers:&lt;/strong&gt;&lt;br&gt;• Stable rates mean borrowing costs are &lt;em&gt;not rising right now&lt;/em&gt;, so monthly mortgage costs for variable-rate loans and HELOCs remain more predictable. &lt;br&gt;• Fixed mortgage rates are set by the bond market rather than the Bank’s rate, but the pause still helps with planning since lenders aren’t rushing to raise pricing. &lt;br&gt;• If you’re shopping for a home, locking in a pre-approval now can protect your buying power while you wait for the right property.&lt;/p&gt;&lt;p class="block-p"&gt;📈 &lt;strong&gt;For Sellers:&lt;/strong&gt;&lt;br&gt;• Stable rates help keep buyer demand consistent — not spiking, but not declining sharply either. &lt;br&gt;• Buyers who’ve been waiting on rate relief may be more willing to engage now that there’s clarity on borrowing costs. &lt;br&gt;• Well-priced and well-positioned listings tend to attract attention even in a steady rate environment.&lt;/p&gt;&lt;p class="block-p"&gt;💬 Questions about how today’s rates affect &lt;em&gt;your&lt;/em&gt; buying or selling strategy? I’m here to help!&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
      <enclosure url="https://shelleycorley.ca/wps/rest/63857/blog/wwct/wwctcksmfflm.jpg" type="image/jpeg" />
      <pubDate>Thu, 05 Feb 2026 17:34:24 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/-market-monday-bank-of-canada-update-8915753</guid>
      <dc:date>2026-02-05T17:34:24Z</dc:date>
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    <item>
      <title>Buying Vacant Land vs. Land With a Home: What Buyers Need to Know</title>
      <link>https://shelleycorley.ca/blog.html/buying-vacant-land-vs-land-with-a-home-what-buyers-need-to-know-8896653</link>
      <description>&lt;p class="block-p"&gt;If you are considering purchasing land, one of the first questions to understand is how financing works. Buying &lt;strong&gt;vacant land&lt;/strong&gt; is very different from buying &lt;strong&gt;land with an existing home&lt;/strong&gt;, especially when it comes to mortgage approval. Knowing these differences upfront can help you plan, budget, and avoid surprises.&lt;/p&gt;&lt;h3&gt;Financing Vacant Land&lt;/h3&gt;&lt;p class="block-p"&gt;Vacant land is considered higher risk by mortgage lenders because there is no livable structure securing the loan. As a result, financing is more restrictive.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;What buyers should expect:&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Higher down payment requirements&lt;/strong&gt;&lt;br&gt;Typically &lt;strong&gt;25%–50% down&lt;/strong&gt;, depending on zoning, location, and servicing.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Higher interest rates&lt;/strong&gt;&lt;br&gt;Rates are usually higher than standard residential mortgages.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Shorter amortization periods&lt;/strong&gt;&lt;br&gt;Often capped between &lt;strong&gt;15–25 years&lt;/strong&gt;.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Zoning and land use verification&lt;/strong&gt;&lt;br&gt;Lenders need confirmation of how the land can legally be used.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Access and servicing requirements&lt;/strong&gt;&lt;br&gt;Legal road access and utilities matter.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Appraisal based on land value only&lt;/strong&gt;&lt;br&gt;Future build potential does not factor into the appraisal.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Fewer lender options&lt;/strong&gt;&lt;br&gt;Many major banks do not finance raw land, so buyers may need credit unions or alternative lenders.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;In some cases, lenders may also ask about future building plans or timelines.&lt;/p&gt;&lt;hr data-margin-top="0" class="margin-top-0 margin-bottom-0" data-margin-bottom="0" style="--margin-top: 0; --margin-bottom: 0;"&gt;&lt;h3&gt;Financing Land With an Existing Home&lt;/h3&gt;&lt;p class="block-p"&gt;When land includes a home that is livable and meets lender standards, financing is much more straightforward.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;What buyers can expect:&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Lower down payment options&lt;/strong&gt;&lt;br&gt;As low as &lt;strong&gt;5%–20%&lt;/strong&gt;, depending on the buyer’s situation.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Standard mortgage terms&lt;/strong&gt;&lt;br&gt;Amortizations up to &lt;strong&gt;30 years&lt;/strong&gt;.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Lower interest rates&lt;/strong&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Appraisal based on the home and land together&lt;/strong&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Traditional mortgage qualification&lt;/strong&gt;&lt;br&gt;Income, credit, property taxes, and insurance apply as they would with any residential purchase.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;Even if the buyer plans to renovate or redevelop later, having a livable home in place often allows access to better financing terms.&lt;/p&gt;&lt;hr data-margin-top="0" class="margin-top-0 margin-bottom-0" data-margin-bottom="0" style="--margin-top: 0; --margin-bottom: 0;"&gt;&lt;h3&gt;Buying Land to Build: An Important Note&lt;/h3&gt;&lt;p class="block-p"&gt;If your plan is to buy land and then build, this typically involves:&lt;/p&gt;&lt;ol&gt;&lt;li&gt;&lt;p class="block-p"&gt;Financing or purchasing the land first&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Applying for a &lt;strong&gt;construction mortgage&lt;/strong&gt;, which releases funds in stages during the build&lt;/p&gt;&lt;/li&gt;&lt;/ol&gt;&lt;p class="block-p"&gt;Construction financing comes with additional requirements, including approved plans, contracts, and budgets.&lt;/p&gt;&lt;hr data-margin-top="0" class="margin-top-0 margin-bottom-0" data-margin-bottom="0" style="--margin-top: 0; --margin-bottom: 0;"&gt;&lt;h3&gt;The Bottom Line&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Vacant land&lt;/strong&gt; requires more cash upfront and comes with stricter lending rules.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Land with a home&lt;/strong&gt; is easier to finance and offers more favorable mortgage terms.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Understanding these differences early helps buyers make confident, informed decisions.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;If you are thinking about purchasing land or a property with redevelopment potential, speaking with a real estate professional early in the process can help you understand your options and avoid costly missteps.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 20 Jan 2026 19:49:29 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/buying-vacant-land-vs-land-with-a-home-what-buyers-need-to-know-8896653</guid>
      <dc:date>2026-01-20T19:49:29Z</dc:date>
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    <item>
      <title>📣 Home Tip Tuesday: What Real Estate Investors in Alberta Need to Know</title>
      <link>https://shelleycorley.ca/blog.html/-hometiptuesday-what-real-estate-investors-in-alberta-need-to-know-8849628</link>
      <description>&lt;p class="block-p"&gt;&lt;br&gt;Are you considering investing in rental or revenue properties in Alberta? Big changes are coming that could impact your strategy — let’s break it down.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔍 What’s changing?&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Starting January 2026, lenders will tighten how they evaluate mortgages for income‑producing residential properties. The rules will include:&lt;br&gt;• Rental income can only be counted &lt;em&gt;after expenses&lt;/em&gt; and &lt;em&gt;only for the property being financed&lt;/em&gt;. &lt;a target="_blank" rel="" href="https://www.mmgmortgages.ca/news/2025/10/20/january-2026-new-mortgage-rules-coming-for-investment-properties?utm_source=chatgpt.com" data-type="link"&gt;MMG Mortgages - Alberta Mortgage Broker&lt;/a&gt;&lt;br&gt;• You &lt;em&gt;won’t&lt;/em&gt; be able to reuse the same rental income stream to qualify for another mortgage. &lt;a target="_blank" rel="" href="https://www.mmgmortgages.ca/news/2025/10/20/january-2026-new-mortgage-rules-coming-for-investment-properties?utm_source=chatgpt.com" data-type="link"&gt;MMG Mortgages - Alberta Mortgage Broker&lt;/a&gt;&lt;br&gt;• Lenders will face higher capital requirements when financing these properties, which typically means stricter criteria for borrowers. &lt;a target="_blank" rel="" href="https://www.mmgmortgages.ca/news/2025/10/20/january-2026-new-mortgage-rules-coming-for-investment-properties?utm_source=chatgpt.com" data-type="link"&gt;MMG Mortgages - Alberta Mortgage Broker&lt;/a&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Additionally, if you own property in the City of Calgary, 2025 will bring a higher provincial portion of your property tax. For residential properties, the provincial‑requisition portion rises significantly compared to 2024. &lt;a target="" rel="" href="https://www.calgary.ca" data-type="link"&gt;https://www.calgary.ca&lt;/a&gt;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🎯 Why this matters to you as an investor:&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Your &lt;em&gt;borrowing power&lt;/em&gt; may shrink: You won’t be able to stack multiple investment mortgages using the same rental income.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Your &lt;em&gt;deal math&lt;/em&gt; changes: Net rental income will play a more critical role — gross rents minus expenses matter more.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Your &lt;em&gt;tax &amp;amp; holding costs&lt;/em&gt; might increase: Higher property taxes mean you’ll need to model that into your ROI.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;You’ll need to &lt;em&gt;plan ahead&lt;/em&gt;: If you’ve been thinking of acquiring multiple revenue properties shortly, this window may be one to act sooner rather than later.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🛠 What you can do now to stay ahead:&lt;/strong&gt;&lt;/p&gt;&lt;ol&gt;&lt;li&gt;&lt;p class="block-p"&gt;Review your current portfolio: Are there properties where the rental income is being used to support multiple mortgage applications? If yes, plan now for when the rules change.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Update your cash‑flow models: Use &lt;strong&gt;net income&lt;/strong&gt; (rents minus all expenses) instead of just gross rents to assess each property’s viability.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Build in margin: With property taxes going up in Calgary and likely elsewhere, build a buffer to account for higher holding costs.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Talk to your lender or mortgage broker: Make sure you understand how they will interpret the new rules and how it affects you specifically.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Educate your clients (if you’re helping investors): Use this as a differentiator to show you’re ahead of regulatory shifts and can help structure deals accordingly.&lt;/p&gt;&lt;/li&gt;&lt;/ol&gt;&lt;p class="block-p"&gt;&lt;strong&gt;💡 Takeaway:&lt;/strong&gt;&lt;br&gt;With tighter borrowing rules and higher costs on the horizon, the smartest investment strategy in Alberta will be built on &lt;strong&gt;realistic income&lt;/strong&gt;, &lt;strong&gt;sound expense planning&lt;/strong&gt;, and &lt;strong&gt;proactive timing&lt;/strong&gt;. Use this moment to position yourself strategically — get the right property, under the right structure, at the right time.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 03 Nov 2025 21:18:54 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/-hometiptuesday-what-real-estate-investors-in-alberta-need-to-know-8849628</guid>
      <dc:date>2025-11-03T21:18:54Z</dc:date>
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    <item>
      <title>🏡 Thinking of Selling Your Home in Calgary? Here’s What You Need to Know!</title>
      <link>https://shelleycorley.ca/blog.html/-thinking-of-selling-your-home-in-calgary-heres-what-you-need-to-know-8849612</link>
      <description>&lt;p class="block-p"&gt;The Calgary real estate market is &lt;strong&gt;shifting&lt;/strong&gt;, and selling today requires strategy, insight, and preparation. Here are some key things every seller should consider:&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Pricing Matters&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Correctly pricing your home is more important than ever. A competitive, well-researched price attracts serious buyers and can prevent your home from sitting on the market too long.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Presentation is Key&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Homes that are &lt;strong&gt;staged, decluttered, and well-maintained&lt;/strong&gt; sell faster and often for more. First impressions matter — inside and out!&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Timing &amp;amp; Marketing&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Even in a balanced market, homes listed at the right time and with strong marketing (professional photos, virtual tours, social media promotion) get noticed quickly.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Market Knowledge&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Understanding local trends — including which neighborhoods are hot, recent sales data, and buyer behavior — helps you make smarter decisions during negotiations.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;💡 &lt;strong&gt;Pro Tip:&lt;/strong&gt; Work with a knowledgeable local realtor to maximize your home’s value and sell with confidence.&lt;/p&gt;&lt;p class="block-p"&gt;If you’re thinking about &lt;strong&gt;making a move in Calgary&lt;/strong&gt;, I can guide you through the process from listing to closing — let’s connect today!&lt;/p&gt;&lt;p class="block-p"&gt;#CalgaryRealEstate #HomeSellingTips #YYCHomes #SellYourHome #ShelleyCorleyRealEstate #MarketUpdate #HomeSellingGuide&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 03 Nov 2025 18:43:20 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/-thinking-of-selling-your-home-in-calgary-heres-what-you-need-to-know-8849612</guid>
      <dc:date>2025-11-03T18:43:20Z</dc:date>
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    <item>
      <title>🏡 Home Buying Tip: What to Look for When Viewing a Home</title>
      <link>https://shelleycorley.ca/blog.html/-home-buying-tip-what-to-look-for-when-viewing-a-home-8849611</link>
      <description>&lt;p class="block-p"&gt;Buying a home is exciting, but it’s important to look beyond the surface. Here are some key things to check during a showing:&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Structure &amp;amp; Safety&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Cracks in walls, ceilings, or foundation&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Signs of water damage or mold&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Functioning smoke and carbon monoxide detectors&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Systems &amp;amp; Functionality&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Test faucets, showers, toilets, and appliances&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Check the HVAC, water heater, and electrical panel&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Look for proper insulation and ventilation&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Layout &amp;amp; Storage&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Is there enough space for your lifestyle?&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Closet and storage space&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Natural light and flow between rooms&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔹 Exterior &amp;amp; Outdoor Space&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Roof condition and gutters&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Driveway, fences, and landscaping&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Yard drainage and potential maintenance needs&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;💡 &lt;strong&gt;Pro Tip:&lt;/strong&gt; Take notes and photos during your showing — it helps when comparing multiple homes!&lt;/p&gt;&lt;p class="block-p"&gt;If you’re thinking about buying in Calgary or Airdrie, I’d love to help you spot the &lt;strong&gt;must-know details&lt;/strong&gt; before making an offer. DM me today!&lt;/p&gt;&lt;p class="block-p"&gt;#HomeBuyingTips #YYCHomes #CalgaryRealEstate #HouseHunting #ShelleyCorleyRealEstate #HomeViewingChecklist #DreamHome&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 03 Nov 2025 18:35:24 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/-home-buying-tip-what-to-look-for-when-viewing-a-home-8849611</guid>
      <dc:date>2025-11-03T18:35:24Z</dc:date>
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    <item>
      <title>What This Means for Buyers &amp; Sellers in Calgary’s Real Estate Market</title>
      <link>https://shelleycorley.ca/blog.html/what-this-means-for-buyers-sellers-in-calgarys-real-estate-market-8791610</link>
      <description>&lt;h3&gt;Balanced Conditions&lt;/h3&gt;&lt;p class="block-p"&gt;After several years of an intense seller’s market, Calgary’s real estate landscape has now shifted into a more balanced phase. Inventory levels and sales activity are settling into alignment with long-term trends, giving both buyers and sellers more stability and predictability in their decision-making. (Source: Justin Havre Real Estate Team, CREB)&lt;/p&gt;&lt;h3&gt;Downtick in Prices — Mostly in High-Density Segments&lt;/h3&gt;&lt;p class="block-p"&gt;While the market overall is balanced, price adjustments are being felt most in high-density property types such as apartments, row homes, and condos. These declines are especially evident in areas where significant new construction has increased supply. Detached homes, on the other hand, continue to demonstrate stronger value retention. (Sources: CREB, Justin Havre Real Estate Team, Nesto, WOWA)&lt;/p&gt;&lt;h3&gt;Why It Matters&lt;/h3&gt;&lt;p class="block-p"&gt;&lt;strong&gt;For Sellers:&lt;/strong&gt; You can still expect strong interest from buyers, but pricing strategically is key. Accurate pricing and thoughtful staging will play a bigger role than ever in achieving a timely and successful sale.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;For Buyers:&lt;/strong&gt; The pressure and urgency of the last few years have eased. Buyers now have more breathing room to negotiate, conduct due diligence, and include protective conditions in their offers. This shift creates a healthier, more manageable process for those entering the market. (Sources: Justin Havre Real Estate Team, A-Team Calgary)&lt;/p&gt;&lt;hr data-margin-top="0" class="margin-top-0 margin-bottom-0" data-margin-bottom="0" style="--margin-top: 0; --margin-bottom: 0;"&gt;&lt;p class="block-p"&gt;In summary, Calgary’s housing market is no longer overheated but instead offers a balanced environment where both buyers and sellers can make informed moves. Detached homes are holding strong, while buyers of condos and row homes may find opportunities with softer pricing. Whether you’re considering listing or house-hunting&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 02 Sep 2025 18:04:00 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/what-this-means-for-buyers-sellers-in-calgarys-real-estate-market-8791610</guid>
      <dc:date>2025-09-02T18:04:00Z</dc:date>
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    <item>
      <title>Is now a good time to invest in the Calgary real Estate market?</title>
      <link>https://shelleycorley.ca/blog.html/is-now-a-good-time-to-invest-in-the-calgary-real-estate-market-8782096</link>
      <description>&lt;h1&gt;&lt;/h1&gt;&lt;p class="block-p"&gt;The Calgary real estate market has been making headlines in 2025, and many investors are asking the same question: &lt;em&gt;is now the right time to jump in?&lt;/em&gt; The answer may very well be &lt;strong&gt;yes&lt;/strong&gt;—and here’s why.&lt;/p&gt;&lt;h2&gt;A More Balanced Market&lt;/h2&gt;&lt;p class="block-p"&gt;Over the past few years, Calgary has experienced extremely tight housing conditions, with limited supply and strong demand driving competition. However, inventory levels have been steadily rising throughout 2025, creating a shift toward a more balanced market.&lt;/p&gt;&lt;p class="block-p"&gt;For investors, this means:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;More property options&lt;/strong&gt; across various segments, from condos to single-family homes.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Less competition&lt;/strong&gt; compared to the frenzied bidding wars of recent years.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Stronger negotiating power&lt;/strong&gt; when it comes to purchase price and conditions.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;In short, investors have the opportunity to be more selective and strategic with their purchases.&lt;/p&gt;&lt;h2&gt;Lower Interest Rates = More Affordable Mortgages&lt;/h2&gt;&lt;p class="block-p"&gt;Another key factor making this a favorable time to invest is the &lt;strong&gt;decline in interest rates&lt;/strong&gt;. Over the past several months, borrowing costs have eased, reducing the strain of mortgage payments and making cash flow more attractive for rental properties.&lt;/p&gt;&lt;p class="block-p"&gt;This creates opportunities for:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Stronger returns&lt;/strong&gt; on investment properties.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Improved affordability&lt;/strong&gt; for those leveraging financing.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Long-term stability&lt;/strong&gt;, especially for buyers who lock in lower rates.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h2&gt;The Long-Term Fundamentals Are Strong&lt;/h2&gt;&lt;p class="block-p"&gt;Beyond market balance and interest rates, Calgary continues to benefit from strong economic and demographic fundamentals:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Steady population growth&lt;/strong&gt;, driven by interprovincial migration and new residents seeking affordability.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;A diverse economy&lt;/strong&gt;, with growth in sectors like energy, tech, and logistics.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Continued housing demand&lt;/strong&gt;, particularly in well-connected, amenity-rich neighborhoods.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h2&gt;So, Is Now the Time?&lt;/h2&gt;&lt;p class="block-p"&gt;With a growing selection of homes, better leverage for buyers, and more affordable mortgage options, &lt;strong&gt;now is a very good time to consider investing in Calgary real estate&lt;/strong&gt;. Investors who focus on the right property type and location can position themselves for long-term success while taking advantage of today’s more favorable conditions.&lt;/p&gt;&lt;h3&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
      <enclosure url="https://shelleycorley.ca/wps/rest/63857/blog/xlrm/xlrmuiayyzym.jpg" type="image/jpeg" />
      <pubDate>Wed, 20 Aug 2025 19:25:58 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/is-now-a-good-time-to-invest-in-the-calgary-real-estate-market-8782096</guid>
      <dc:date>2025-08-20T19:25:58Z</dc:date>
    </item>
    <item>
      <title>21 Smart Storage Ideas to Declutter Countertops Around Your House</title>
      <link>https://shelleycorley.ca/blog.html/21-smart-storage-ideas-to-declutter-countertops-around-your-house-8767905</link>
      <description>&lt;p class="block-p"&gt;The key to an organized home is &lt;a target="" rel="" href="https://www.bhg.com/things-never-leave-on-counter-11764181" data-type="link"&gt;clutter-free countertops&lt;/a&gt;. Whether it's in the kitchen, bathroom, or laundry room, it's hard to keep your household tasks running smoothly when there are are piles of clutter in your way. Luckily, clearing your countertops doesn't have to be as daunting as it sounds.&lt;/p&gt;&lt;p class="block-p"&gt;We're sharing our best organizing hacks to help you kick clutter to the curb—for good. A few simple storage baskets, organizers, and hanging racks will get you back on track in no time. These are our best storage-savvy solutions that take tools, materials, toiletries, and tech gear off work surfaces but within easy reach so you can efficiently handle every task.&lt;/p&gt;&lt;p class="block-p"&gt;01of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Add a Pot Rack&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/o_UfrqiOdp4lQ1aXbxVRvcl5Jl0=/1244x0/filters:no_upscale():strip_icc():format(webp)/s-hook-pot-rack-3asWowXUKak8w4uqcRWKDX-5b50e1582eb14234bff94aaa5fb4cce3.jpg" alt="s hook pot rack" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Michael Partenio&lt;/p&gt;&lt;p class="block-p"&gt;If your kitchen is cramped for cabinet space, it can be tricky to get supplies off the counter. While pots and pans are usually stored in a cabinet or drawer, try hanging them on a pot rack instead. Pot racks make grabbing items easier and more efficient while keeping your counters tidy.&lt;/p&gt;&lt;p class="block-p"&gt;02of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Hang a Utensil Rack&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait ls-is-cached lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/M6B_9gbdzQ6dEMIeSimpZtRxoQo=/1244x0/filters:no_upscale():strip_icc():format(webp)/food-various-utensils-kitchen-home-0a77f269-a35f953bf978466699fdf415f29062c5.jpg" alt="food and various utensils in kitchen at home" class="mntl-image mntl-image universal-image__image lazyloadwait ls-is-cached lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit:&lt;/p&gt;&lt;p class="block-p"&gt;Carson Downing&lt;/p&gt;&lt;p class="block-p"&gt;While grouping utensils in a container on the counter is common, it can also take up a lot of counter space. Consider hanging your most-used utensils directly under upper cabinets by installing pegboard or hooks. This will keep countertops free of clutter and utensils within reach.&lt;/p&gt;&lt;p class="block-p"&gt;03of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Optimize Corner Space&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/icS_GEsQkODdf7xx9CXlGBqp6hw=/1244x0/filters:no_upscale():strip_icc():format(webp)/kitchen-juicer-shelves-oranges-flowers-Bd8ahAgaKju8LQRegqbUyY-cc54b065f16a4fe68be9ab6e41d1a046.jpg" alt="kitchen juicer shelves oranges flowers" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Laura Moss&lt;/p&gt;&lt;p class="block-p"&gt;Hang shelves near work surfaces to lift canisters, cookbooks, and attractive serving pieces off countertops. A trio of stacked shelves makes the most of an awkward space between the end cabinet and window and the dropped ceiling and backsplash in this contemporary kitchen. Other ways to stretch akitchen's storage capacity? Mount a vintage corner cabinet in a forgotten corner and add shallow shelves behind the sink and range.&lt;/p&gt;&lt;p class="block-p"&gt;04of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Utilize Space Under Your Sink&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/1ZBwXRmbZ0DZHtp1Xh4I-MDyVi0=/1742x0/filters:no_upscale():strip_icc():format(webp)/laundry-room-under-sink-storage-DgBdKLNqa5o8Xmppc4Alvp-f277d9d3934e4b97915e54beb75aada8.jpg" alt="laundry room under sink storage" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Adam Albright&lt;/p&gt;&lt;p class="block-p"&gt;Keep your countertops uncluttered by &lt;a target="" rel="" href="https://www.bhg.com/bathroom/storage/storage-solutions/organize-bathroom-cabinets/" data-type="link"&gt;equipping the cabinet below your kitchen or bathroom sink&lt;/a&gt; with baskets to hold cleaners, toiletries, and paper goods. In this under-the-sink cabinet, sliding drawer baskets allow you to easily grab needed supplies and take inventory on supplies for when it's time to restock.&lt;/p&gt;&lt;p class="block-p"&gt;05of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Create a Power Station&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/QXyO-BmjsAZrxa0t8RGzSMeZSI0=/1866x0/filters:no_upscale():strip_icc():format(webp)/power-strip-storage-plugs-drawer-charger-DmqWGrrgqi3Aars4kFJ7Ye-2ea8ed410d90429c9870032a296fc2f5.jpg" alt="power strip storage plugs drawer charger" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Paul Dyer&lt;/p&gt;&lt;p class="block-p"&gt;Turn any drawer into a charging station and keep electronic gear under wraps and off countertops. Outfit a nightstand, desk, or cabinet &lt;a target="" rel="" href="https://www.bhg.com/how-to-use-a-power-strip-safely-11691060" data-type="link"&gt;drawer with a power strip&lt;/a&gt; that allows you to charge cellphones, tablets, and e-readers in a secure location. Generally, this setup works best when a hole for the cord is drilled in the back or side of a furniture piece nearest an electrical outlet. Beyond your tech capacities? Call an electrician for assistance.&lt;/p&gt;&lt;p class="block-p"&gt;06of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Utilize Missed Storage Opportunities&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/jgT0O9KSHXoI8qV93cEwfAUaw-w=/1244x0/filters:no_upscale():strip_icc():format(webp)/ikea-vanity-small-bathroom-bold-floor-tile-9i_tGTm7q1t9gerMSrl9zR-cb01109c189641189efae933041a649f.jpg" alt="small bath private toilet modern ikea vanity black white floor tile" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Edmund Barr&lt;/p&gt;&lt;p class="block-p"&gt;In most bathrooms, there's one wall that's open to numerous possibilities. The toilet wall easily accommodates all sorts of storage units. From medicine cabinets and wall shelves to freestanding etageres designed to fit a toilet's contours, there's a system to suit nearly every lavatory. Simply adding a few floating shelves to store towels and other supplies can &lt;a target="" rel="" href="https://www.bhg.com/bathroom/storage/storage-solutions/bathroom-storage-ideas-solutions-for-storing-bath-supplies/" data-type="link"&gt;alleviate overall bathroom clutter&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;07of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Focus on Medicine Cabinet Storage&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/3oK9i_Mb7ckIltGlKrN06KLTBNQ=/1244x0/filters:no_upscale():strip_icc():format(webp)/medicine-cabinet-plastic-shelving-4bBnRiKhKkd8MjKLk24kvp-2c4cd176286b45a7832c0502300d5951.jpg" alt="medicine cabinet with plastic shelving" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Cameron Sadeghpour&lt;/p&gt;&lt;p class="block-p"&gt;Medicine cabinets provide convenient storage for cosmetics and getting-ready products that often clutter vanity tops. Add small containers and risers to divide and optimize your medicine cabinet. This way products stay off bathroom countertops and put daily essentials at eye level.&lt;/p&gt;&lt;p class="block-p"&gt;08of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Organize with Baskets&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/urPpVc2sn7FI0VEs0m4lE1KxD9E=/1244x0/filters:no_upscale():strip_icc():format(webp)/wicker-basket-storage-bathroom-d66a3b0c-63043207349b42eab66489f3a264dc4e.jpg" alt="Wicker Basket Storage bathroom" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Adam Albright&lt;/p&gt;&lt;p class="block-p"&gt;When there's no other place to put relevant things, make the most of available countertop space by using baskets and pretty canvas bins to gather small stuff that tends to sprawl across surfaces. This clever containment system &lt;a target="" rel="" href="https://www.bhg.com/bathroom/storage/storage-solutions/store-more-in-your-bathroom/" data-type="link"&gt;holds supplies in a bathroom&lt;/a&gt; but would work equally well as a holder for cooking tools or office supplies.&lt;/p&gt;&lt;p class="block-p"&gt;09of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Designate Kitchen Drawers&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/lYNqyjlHTMmy6UIoxlqDsXDOrBQ=/1244x0/filters:no_upscale():strip_icc():format(webp)/knives-drawer-kitchen-storage-4w_ws0R6aQO9jSGE4-Topb-995848915fcc42ec8646364bbe8f483b.jpg" alt="knives drawer kitchen storage" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: James Salomon&lt;/p&gt;&lt;p class="block-p"&gt;Some storage units are meant for expansive countertops with enough room to accommodate everything from cookbook racks to knife blocks. But when space is tight, it makes sense to move what you can into suitably situated cabinets and drawers. Look for drawer inserts that help you organize chef's knives, spice jars, and cooking gadgets in an area near where they'll be accessed most often.&lt;/p&gt;&lt;p class="block-p"&gt;10of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Create Additional Counter Space&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/4y44_ve4tFBd_4nQDtEtBkRk8aY=/1244x0/filters:no_upscale():strip_icc():format(webp)/wood-bathroom-vintage-storage-F29jptrCaRt9CRM59M05gP-bc5af2e17d9240edbc6ca581600149ae.jpg" alt="wood bathroom vintage storage" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Jay Wilde&lt;/p&gt;&lt;p class="block-p"&gt;Bathroom vanity tops are a magnet for clutter. They are put to use during the most hurried (or sleepiest!) hours, when there isn't any extra time or energy for tidying up. A secretary-style desk solves this problem by storing essentials close to a vanity, in an accessible, appealing form that closes up when beauty regimens are complete.&lt;/p&gt;&lt;p class="block-p"&gt;11of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Construct a Spice Drawer&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/Zk15owatoTCWLlwm_RPnDZ_Bbpg=/1244x0/filters:no_upscale():strip_icc():format(webp)/kitchen-spice-drawer-storage-organization-9bR7C1Ibquu9GXuuMRxmgq-3030ded339d74b928b60609b92dc6975.jpg" alt="kitchen spice drawer storage organization" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Christina Wedge&lt;/p&gt;&lt;p class="block-p"&gt;Insert specialty holders into base cabinet drawers to boost their usefulness. Spice-jar racks keep seasonings visible, organized, and within a chef's reach but off counters and stove tops. Use cutlery trays, bamboo dividers, and compartmentalized acrylic trays to customize a system that stores and sorts the smaller things that are likely to bring chaos to countertops.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/kitchen/remodeling/kitchen-projects/diy-spice-drawer-organizer/" data-type="link"&gt;This DIY Spice Organizer Is the Solution to Your Messy Kitchen Drawers&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;12of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Find a Freestanding Organizer Bin&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/Ac9elXwFHj0MS5W08bk9y_ReNTI=/1244x0/filters:no_upscale():strip_icc():format(webp)/laundry-room-white-cabinets-5b-uqYlYa098w-YKbU2QMh-e51604fa973b4663a5f56c97c1a711dd.jpg" alt="laundry room with white cabinets" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Edmund Barr&lt;/p&gt;&lt;p class="block-p"&gt;Streamline countertops by containing like-minded items in bins, baskets, trays, and jars that don't take up more than their fair share of space. Opt for holders that can be pushed beneath upper cabinets as needed to liberate the workspace on the outer countertop.&lt;/p&gt;&lt;p class="block-p"&gt;13of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Set Up a Bar Area&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/mbkvgSFPSSVED3ErGg7GHKJ_oVc=/1244x0/filters:no_upscale():strip_icc():format(webp)/bar-cups-glass-open-shelves-6NScazpqag68HrVEI8uFlW-d231bcc5f8e34da3afba723159e130eb.jpg" alt="bar cups glass open shelves" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Werner Straube&lt;/p&gt;&lt;p class="block-p"&gt;Bar areas work better when there's a clear surface for cutting fruit, placing ice buckets, and lining up liquor and wine bottles. A shelving unit mounted on this tiled wall handles glassware and cocktail-party serving pieces; the unit converts the &lt;a target="" rel="" href="https://www.bhg.com/waterfall-countertop-8640009" data-type="link"&gt;kitchen countertop&lt;/a&gt; and tiled wall into a full-service entertainment station that's always stocked and ready for pop-up parties.&lt;/p&gt;&lt;p class="block-p"&gt;14of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Use Over-the-Door Space Savers&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/YX8mRQIeNFi6hJEvXHoh0sO11_w=/1244x0/filters:no_upscale():strip_icc():format(webp)/bathroom-storage-hair-dryer-hook-CJ-Xm2rGaSKAwcIdqI1SYl-7737bf3eef0746479d3a8c8ca6121ccc.jpg" alt="bathroom storage hair dryer hook" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Jacob Fox&lt;/p&gt;&lt;p class="block-p"&gt;Over-the-cabinet-door organizers allow cabinets to live up to their potential and let you keep countertops clean of bulky gear. Head to the hardware store storage aisles and storage retailers to find hairdryer holders, paper-towel holders, under-the-sink caddies, and versatile wire baskets that you can hook over a cabinet door.&lt;/p&gt;&lt;p class="block-p"&gt;15of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Add an Appliance Garage&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/jEdhlcdjPSYGT-Kyg6V93Z6_9fA=/1555x0/filters:no_upscale():strip_icc():format(webp)/kitchen-storage-green-shelves-Az9E3koF44kAfbYe_LeB5M-48d1974101ac4841acfbda2e17d17d02.jpg" alt="kitchen storage with green shelves" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Laura Moss&lt;/p&gt;&lt;p class="block-p"&gt;Appliance garages house small appliances when they're not needed. They allow you to park things like coffeemakers, blenders, and food processors within reach but out-of-sight behind drop-down doors, which in turn leaves adjacent countertops open for food-prep tasks.&lt;/p&gt;&lt;p class="block-p"&gt;16of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Reconfigure Your Cabinets&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/gjw5W0e74XI0GUCCBaRFyzKiCVY=/1244x0/filters:no_upscale():strip_icc():format(webp)/kitchen-cabinet-storage-8eZO4Ddg45M9E6tRaqTLo7-fe94d66e3d9f435785f98f4bf982b02c.jpg" alt="kitchen cabinet storage" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Jay Wilde&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/kitchen/storage/organization/affordable-kitchen-storage-ideas/" data-type="link"&gt;Customize a kitchen cabinet's interior&lt;/a&gt; by adding a box-like framework of shelves and cubbies that you can use to handle your household's organizational needs. Look for ready-made inserts and pullouts that fit the interior space, or create your own construction that holds cookbooks, water bottles, kitchen towels, and other utensils typically used frequently.&lt;/p&gt;&lt;p class="block-p"&gt;17of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Utilize a Utility Cart&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/4c67Zu-ZTPMSuBXwLXD_zq9xl8g=/1244x0/filters:no_upscale():strip_icc():format(webp)/concrete-counter-wheeled-blue-island-4XaKSVIB4dN8PSAc3GcpzP-a8e15d7ab2b548dba1b6306c77ce3bc0.jpg" alt="Concrete Counter Wheeled Blue Island" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Cathy Kramer&lt;/p&gt;&lt;p class="block-p"&gt;Utility carts are versatile mobile storage units. Slim three-tiered carts are perfect for bathrooms, whether you use it to hold extra rolls of toilet paper and towels or organize cosmetics and skincare products. &lt;a target="" rel="" href="https://www.bhg.com/best-kitchen-carts-8645076" data-type="link"&gt;Rolling carts&lt;/a&gt; in the kitchen provide an extra work surface and additional storage for cookware.&lt;/p&gt;&lt;p class="block-p"&gt;18of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Create a Floating Office&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/QPcxXvyM1kFjsfaIOAHGC49DQMc=/1383x0/filters:no_upscale():strip_icc():format(webp)/office-paper-storage-organize-8Yz0bx6zaAuBtDt1rK_xxq-b697f7925cb5498296329c1e1aad810a.jpg" alt="office paper storage organize" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Adam Albright&lt;/p&gt;&lt;p class="block-p"&gt;Look to walls adjacent to work surfaces and countertops for real estate prime for the tapping. Mount pocket organizers or shelves equipped with desk organizers to take care of paperwork that is likely to pile up on countertops; label pockets for incoming mail, outgoing permission slips, and bills in need of attention.&lt;/p&gt;&lt;p class="block-p"&gt;19of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Elevate Your Built-In Shelving&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/wK0mupmSoZcgWvpDr5wqwxaenGA=/1244x0/filters:no_upscale():strip_icc():format(webp)/colorful-office-storage-calendar-nook-FSQnxCCmqdZ8vgdKl77tgW-2b3cb688022247b3b9e8d365d2b4a9cd.jpg" alt="colorful office storage calendar nook" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Michael Partenio&lt;/p&gt;&lt;p class="block-p"&gt;Built-ins and add-ons amplify a room's holding power in a fashionable manner. Cabinets, cubbies, and drawers wrap a kitchen desk with menu-planning utility that makes it easy to see, retrieve, and return cooking references; corkboards provide spots for displaying calendars and posting shopping lists without taking up valuable desk space.&lt;/p&gt;&lt;p class="block-p"&gt;20of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Use S Hooks&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/VBA7hT89MYbPHZrlqn9rpHW2fPE=/1244x0/filters:no_upscale():strip_icc():format(webp)/kitchen-spatula-organization-0CtZyg2uaCJ9kdeSclO6-b-f19986590f8c47b68867292da9629429.jpg" alt="kitchen spatula organization" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit: Hatch and Mass&lt;/p&gt;&lt;p class="block-p"&gt;Freestanding kitchen tool holders conveniently place tools in plain view and close to work areas, but they take up countertop space, which is at a premium in small kitchens. A creative way to keep tools within reach? Hang a towel bar or two on an open wall; use S hooks to suspend the cooking implements you're likely to grab on a daily basis.&lt;/p&gt;&lt;p class="block-p"&gt;21of 21&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Cabinet Solutions&lt;/strong&gt;&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/VFI_47sDeI5rY3alntGd_n25MXs=/2700x0/filters:no_upscale():strip_icc():format(webp)/BHG-Cabinet-Storage-CGHJ-am7Kxe9jNpMa-Sb0L-5154d7c56e50444c9e894d5d8dac3e8f.jpg" alt="Blue cabinets that are narrow and on the side of a refrigerator that hold ipads and folders." class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Credit:&lt;/p&gt;&lt;p class="block-p"&gt;Anthony Masterson&lt;/p&gt;&lt;p class="block-p"&gt;Search for cabinetry with built-in storage features that help you meet your organization goals. This shallow cabinet includes a charging dock and shelves to keep papers and tech tucked away. Identify areas that you struggle with, then seek out building solutions to help you gain control.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Updated by&lt;/em&gt; &lt;a target="" rel="" href="https://www.bhg.com/author/kaylei-fear/" data-type="link"&gt;&lt;strong&gt;Kaylei Fear&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 05 Aug 2025 20:57:19 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/21-smart-storage-ideas-to-declutter-countertops-around-your-house-8767905</guid>
      <dc:date>2025-08-05T20:57:19Z</dc:date>
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      <title>Jun 2, 2025</title>
      <link>https://shelleycorley.ca/blog.html/jun-2-2025-8707175</link>
      <description>&lt;h2&gt;&lt;strong&gt;Price adjustments mostly driven by apartment and row style homes&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;&lt;strong&gt;By &lt;/strong&gt;&lt;a target="" rel="" href="https://www.creblink.com/crebtalk/?author=CREB" data-type="link"&gt;&lt;strong&gt;CREB®&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Thanks to steep pullbacks in the apartment condominium sector, total residential sales in Calgary eased by 17 per cent compared to May of last year.&amp;nbsp;While the drop does seem significant, the 2,568 sales this month remain 11 per cent higher than long-term trends for May and improved over last month.&lt;/p&gt;&lt;p class="block-p"&gt;New listings continued to rise this month compared to sales, resulting in further gains in inventory levels. However, the monthly gain in both inventory and sales prevented any significant change in the months of supply compared to April. With 2.6 months of supply, conditions are still relatively balanced.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;“Compared to last year, easing sales and rising inventories are consistent trends across many cities, as uncertainty continues to weigh on housing demand. However, prior to the economic uncertainty, Calgary was dealing with seller market conditions, and the recent pullbacks in sales and inventory have helped shift us toward balanced conditions taking the pressure off prices,” said Ann-Marie Lurie, Chief Economist at CREB®. “This is a different situation from some of the other larger cities, where their housing markets were struggling prior to the addition of economic uncertainty.”&amp;nbsp; &amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Last year there was limited inventory across most property types and price ranges. Recent inventory gains are creating pockets of the market that are struggling with too much supply while in other areas supply levels are still low relative to the demand, resulting in divergent trends in home prices. Both detached and semi-detached home prices have remained relatively stable this month and are still higher than last year’s levels.&lt;/p&gt;&lt;p class="block-p"&gt;Meanwhile, row and apartment style homes have reported modest monthly price declines and May prices remain below last year’s levels, as improved new home and rental supply is weighing on resale prices. Overall, the total residential unadjusted benchmark price in Calgary was $589,900, slightly lower than last month and over two per cent below May 2024 levels.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 04 Jun 2025 15:47:42 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/jun-2-2025-8707175</guid>
      <dc:date>2025-06-04T15:47:42Z</dc:date>
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      <title>Bank of Canada holds policy rate at 2¾%</title>
      <link>https://shelleycorley.ca/blog.html/bank-of-canada-holds-policy-rate-at-2-8707174</link>
      <description>&lt;p class="block-p"&gt;FOR IMMEDIATE RELEASE&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bankofcanada.ca/press/contacts/" data-type="link"&gt;&lt;strong&gt;Media Relations&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bankofcanada.ca/search/?location[]=ottawa_ontario" data-type="link"&gt;&lt;strong&gt;Ottawa, Ontario&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;June 4, 2025&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;The Bank of Canada today maintained its target for the overnight rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%.&lt;/p&gt;&lt;p class="block-p"&gt;Since the April &lt;em&gt;Monetary Policy Report&lt;/em&gt;, the US administration has continued to increase and decrease various tariffs. China and the United States have stepped back from extremely high tariffs and bilateral trade negotiations have begun with a number of countries. However, the outcomes of these negotiations are highly uncertain, tariff rates are well above their levels at the beginning of 2025, and new trade actions are still being threatened. Uncertainty remains high.&lt;/p&gt;&lt;p class="block-p"&gt;While the global economy has shown resilience in recent months, this partly reflects a temporary surge in activity to get ahead of tariffs. In the United States, domestic demand remained relatively strong but higher imports pulled down first-quarter GDP. US inflation has ticked down but remains above 2%, with the price effects of tariffs still to come. In Europe, economic growth has been supported by exports, while defence spending is set to increase.&amp;nbsp; China’s economy has slowed as the effects of past fiscal support fade. More recently, high tariffs have begun to curtail Chinese exports to the US. Since the financial market turmoil in April, risk assets have largely recovered and volatility has diminished, although markets remain sensitive to US policy announcements. Oil prices have fluctuated but remain close to their levels at the time of the April MPR.&lt;/p&gt;&lt;p class="block-p"&gt;In Canada, economic growth in the first quarter came in at 2.2%, slightly stronger than the Bank had forecast, while the composition of GDP growth was largely as expected. The pull-forward of exports to the United States and inventory accumulation boosted activity, with final domestic demand roughly flat. Strong spending on machinery and equipment held up growth in business investment by more than expected. Consumption slowed from its very strong fourth-quarter pace, but continued to grow despite a large drop in consumer confidence. Housing activity was down, driven by a sharp contraction in resales. Government spending also declined. The labour market has weakened, particularly in trade-intensive sectors, and unemployment has risen to 6.9%. The economy is expected to be considerably weaker in the second quarter, with the strength in exports and inventories reversing and final domestic demand remaining subdued. &amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;CPI inflation eased to 1.7% in April, as the elimination of the federal consumer carbon tax reduced inflation by 0.6 percentage points. Excluding taxes, inflation rose 2.3% in April, slightly stronger than the Bank had expected. The Bank’s preferred measures of core inflation, as well as other measures of underlying inflation, moved up. Recent surveys indicate that households continue to expect that tariffs will raise prices and many businesses say they intend to pass on the costs of higher tariffs. The Bank will be watching all these indicators closely to gauge how inflationary pressures are evolving.&lt;/p&gt;&lt;p class="block-p"&gt;With uncertainty about US tariffs still high, the Canadian economy softer but not sharply weaker, and some unexpected firmness in recent inflation data, Governing Council decided to hold the policy rate as we gain more information on US trade policy and its impacts. We will continue to assess the timing and strength of both the downward pressures on inflation from a weaker economy and the upward pressures on inflation from higher costs.&lt;/p&gt;&lt;p class="block-p"&gt;Governing Council is proceeding carefully, with particular attention to the risks and uncertainties facing the Canadian economy. These include: the extent to which higher US tariffs reduce demand for Canadian exports; how much this spills over into business investment, employment and household spending; how much and how quickly cost increases are passed on to consumer prices; and how inflation expectations evolve.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;We are focused on ensuring that Canadians continue to have confidence in price stability through this period of global upheaval. We will support economic growth while ensuring inflation remains well controlled.&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Information note&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;The next scheduled date for announcing the overnight rate target is July 30, 2025. The Bank will publish its next MPR at the same time.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 04 Jun 2025 15:29:15 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/bank-of-canada-holds-policy-rate-at-2-8707174</guid>
      <dc:date>2025-06-04T15:29:15Z</dc:date>
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      <title>May 01, 2025 | CREB</title>
      <link>https://shelleycorley.ca/blog.html/may-01-2025-creb-8677398</link>
      <description>&lt;h1 style="text-align: start"&gt;&lt;strong&gt;Calgary's best walking pathways&lt;/strong&gt;&lt;/h1&gt;&lt;p class="block-p" style="text-align: start"&gt;Whether you’re looking for a good, low-impact workout or just want to relax on a beautiful summer afternoon, Calgary has numerous pathways that connect with different neighbourhoods, parks and natural areas. If you need any suggestions, here are some of our favourites:&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;1. Glenmore Reservoir Loop&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;A favourite for walkers, boaters and cyclists alike, the Glenmore Reservoir pathway leads across bridges, through marshes and past scenic viewpoints. You can start your walk at any of the multiple parking lots around the reservoir and make the full trek or turn around at any point.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;2. Prince's Island Park: Chevron Learning Pathway&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Along the east end of the park, this pathway provides scenic views of the city skyline and the Bow River, and features educational signage of the wildlife, habitat and water quality. It's an easy, interactive walk to get your steps in – it's less than 1 km – that has become a favourite for Calgarians and visitors alike.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;3. Fish Creek Park: Bebo Grove Loop&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Fish Creek is home to 80 km of mixed-use pathways across sprawling forest and grassland. It's the second largest urban park in Canada and it's famous for its rich biodiversity (over 200 different birds have been spotted here). Of all the paths in the park, our favourite is Bebo Grove Loop, which starts at the west end of the park and flows east towards the Bow River. It provides an escape from the buzz of the city with its mesmerizing views and room for activities.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;4. Nose Hill Park: Nose Hill Loop&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;If you're looking for a compelling views and a little bit of a challenge, the Nose Hill Loop starting at the 14 Street NW parking lot at Nose Hill Park is the perfect choice. It's 7.6 km in length and takes almost two hours to complete. The trail is also popular&amp;nbsp; for other activities like birdwatching and mountain biking. If you're luck, you may also see deer or one of the local porcupines.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;5. Jack &amp;amp; Jean Leslie RiverWalk&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;If you want to absorb the buzzing energy of the city, this walk is for you. As one of the Calgary's most-loved public spaces, the RiverWalk parallels the Bow River, connecting Centre Street to Fort Calgary and then following the Elbow River to 9 Avenue SE.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The pathway has dedicated pedestrian and cycling lanes, so you can walk, relax and enjoy the view of Calgary's skyline, art installations and more. There are also several places to stop for refreshments around the area, so you can grab a coffee while you're at it to keep you energized.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 13 May 2025 19:11:51 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/may-01-2025-creb-8677398</guid>
      <dc:date>2025-05-13T19:11:51Z</dc:date>
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      <title>8 Kitchen Upgrades That Add the Most Value to Your Home</title>
      <link>https://shelleycorley.ca/blog.html/8-kitchen-upgrades-that-add-the-most-value-to-your-home-8670368</link>
      <description>&lt;p class="block-p"&gt;Industry pros say these kitchen updates have the biggest return on investment.&lt;/p&gt;&lt;p class="block-p"&gt;By &lt;a target="" rel="" href="https://www.bhg.com/author/kamron-sanders/" data-type="link"&gt;&lt;strong&gt;Kamron Sanders&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Published on April 4, 2025&lt;/p&gt;&lt;p class="block-p"&gt;Few renovation projects can refresh your home quite like a kitchen refresh—but not all kitchen upgrades add resale value. Sure, a &lt;a target="" rel="" href="https://www.bhg.com/kitchen/backsplash/kitchen-backsplash-ideas/" data-type="link"&gt;beautiful backsplash&lt;/a&gt;, on-trend cabinetry, updated countertops, and sleek appliances would improve any kitchen, but, if you plan on eventually selling your home, you need to know which kitchen updates have a good ROI.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Below, we've spoken to real estate and design professionals about the &lt;a target="" rel="" href="https://www.bhg.com/5-projects-worth-splurging-on-zillow-8651172" data-type="link"&gt;best kitchen upgrades&lt;/a&gt; that will add the most value to your home.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;1. Kitchen Islands With Seating&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Real estate advisor Kourtney Pulitzer says one of the highest ROI kitchen upgrades is adding a &lt;a target="" rel="" href="https://www.bhg.com/kitchen-island-ideas-8385057" data-type="link"&gt;kitchen island&lt;/a&gt; with seating. "People really love being able to spend time in the kitchen, which is often the heart of a home," she says.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Kitchen islands haven't always been a must-have item, but, these days, they're on many buyers' wishlists. While kitchen islands historically served as prep surfaces, they've transitioned into the focal point of the kitchen, a gathering spot where many (if not most) meals are eaten and parties are hosted.&lt;/p&gt;&lt;p class="block-p"&gt;Want to really make a statement? &lt;a target="" rel="" href="https://www.bhg.com/double-kitchen-islands-8675582" data-type="link"&gt;Double kitchen islands&lt;/a&gt; are a popular luxury option.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;2. Updating or Adding Cabinetry&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;In most cases, Pulitzer says you can't go wrong &lt;a target="" rel="" href="https://www.bhg.com/kitchen/cabinets/makeovers/easy-kitchen-cabinet-updates-from-kitchen-makeovers-magazine/" data-type="link"&gt;updating your kitchen cabinets&lt;/a&gt;, noting that upgrading cabinets and pantry organization can often result in extra money in your pocket when you sell.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Traditional kitchens have both upper and lower cabinets, which naturally take up a lot of visual space. So, updating this cabinetry will have a major impact on your kitchen's overall look. Plus, modern cabinetry options can make the kitchen more organized and user-friendly, which appeals to buyers.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;3. Cabinet Refacing and Painting&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Let's face it, even builder-grade cabinets cost a lot of money. But, there are budget-friendly ways to update your cabinetry. "Instead of replacing cabinets, refinishing, painting, or &lt;a target="" rel="" href="https://www.bhg.com/kitchen/cabinets/makeovers/kitchen-cabinet-refacing/" data-type="link"&gt;refacing them&lt;/a&gt; is a cost-effective way to modernize the kitchen," advises Kristin Farnan, founder of Ridge Residential Design.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;You can refresh the look of cabinetry with a coat of paint or completely overhaul their looks by refacing them. Both options can cost a fraction of a full cabinet replacement, and, in some cases, they may offer the same return.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/kitchen/cabinets/styles/popular-kitchen-cabinet-colors/" data-type="link"&gt;29 Popular Kitchen Cabinet Colors with Long-Lasting Appeal&lt;/a&gt;&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;4. New Cabinet Hardware&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Even swapping your &lt;a target="" rel="" href="https://www.bhg.com/kitchen-hardware-trends-7372544" data-type="link"&gt;cabinet hardware&lt;/a&gt; can work wonders for your kitchen's overall aesthetic, as the antiquated hardware could be dating your otherwise beautiful kitchen. "Updating cabinet handles, hinges, and drawer pulls is a small change with a big impact," Farnan says.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Depending on the size of your kitchen and the type of hardware you're replacing, this is an upgrade you could do for less than $100. Plus, swapping cabinet hardware takes hardly any time at all.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/cottagecore-hardware-7973303" data-type="link"&gt;Cottagecore Hardware Is Trending: Design Experts Share How to Use It&lt;/a&gt;&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;5. Countertops&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Yes, countertops are expensive, but they make a major visual impact on the kitchen that buyers will notice right away. Plus, there are plenty of countertop materials to choose from, offering beautiful looks at an attainable price. Farnan recommends shopping &lt;a target="" rel="" href="https://www.bhg.com/kitchen/countertop/granite-and-quartz/" data-type="link"&gt;quartz and granite&lt;/a&gt; for the best balance of cost and desirability.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/kitchen/countertop/top-10-countertop-materials/" data-type="link"&gt;The Pros and Cons of Common Kitchen Countertop Materials&lt;/a&gt;&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;6. Refreshed Backsplash&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Farnan says a &lt;a target="" rel="" href="https://www.bhg.com/kitchen/backsplash/kitchen-backsplash-ideas/" data-type="link"&gt;modern backsplash&lt;/a&gt; (subway tile, glass, or stone) can up your kitchen's visual appeal without breaking your budget. When done well, a kitchen backsplash can elevate the existing countertops and cabinetry, giving the entire kitchen a refreshed look at a lower cost than cabinetry, countertops, and appliances.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;7. Light Fixtures&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Don't underestimate the power of good lighting. Upgrading kitchen light fixtures is one of the easiest upgrades you can make. In fact, most experienced &lt;a target="" rel="" href="https://www.bhg.com/home-improvement/lighting/how-to-install-a-light-fixture/" data-type="link"&gt;DIYers can knock out this renovation themselves&lt;/a&gt;, which increases the ROI potential.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;"Pendant lights over the sink or island, under-cabinet lighting, or LED recessed lighting can transform the ambiance," notes Farnan.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/best-pendant-lights-7964569" data-type="link"&gt;The 17 Best Pendant Lights of 2025 for Every Style and Budget&lt;/a&gt;&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;8. Neutral Paint&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;A new coat of paint is nearly always a good idea, as it can totally transform your space without making a major dent in your budget. Plus, most DIYers can perform a decent paint job themselves, adding to their ROI. However, not just any paint will work.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Farnan advocates for the use of &lt;a target="" rel="" href="https://www.bhg.com/colorful-neutral-ideas-8778732" data-type="link"&gt;neutral colors&lt;/a&gt; (white, gray, beige, etc.) on cabinetry and walls, as they will give the space a clean, updated look. Plus, opting for neutral colors will appeal to most buyers, while bolder choices may be more polarizing.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/kitchen-cabinet-color-trends-2025-8785102" data-type="link"&gt;7 Kitchen Cabinet Color Trends We Expect to See in 2025&lt;/a&gt;&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;Kitchen Upgrades With the Worst ROI&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;We've covered the kitchen upgrades with the best ROI, but what about kitchen renovations with the worst ROI?&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;High-end appliances: &lt;/strong&gt;Both Farnan and Pulitzer agreed that high-end appliances rarely ever return on the steep initial cost.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Overly specific features and appliances: &lt;/strong&gt;While you may love your nugget ice maker and built-in espresso machine, buyers won't necessarily be as enthused. In fact, they may view your prized features as must-remove items.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Overly trendy designs: &lt;/strong&gt;While your edgy kitchen design may look great to you and others, it won't necessarily appeal to your buyers. Farnan says bold colors, open shelving, and modern cabinetry come in and out of style, meaning they won't necessarily align with the buyer's wants and needs.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 07 May 2025 20:19:02 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/8-kitchen-upgrades-that-add-the-most-value-to-your-home-8670368</guid>
      <dc:date>2025-05-07T20:19:02Z</dc:date>
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      <title>May 01, 2025 | CREB</title>
      <link>https://shelleycorley.ca/blog.html/may-01-2025-creb-8666835</link>
      <description>&lt;h1 style="text-align: start"&gt;&lt;strong&gt;New communities to watch out for in Calgary and area&lt;/strong&gt;&lt;/h1&gt;&lt;p class="block-p" style="text-align: start"&gt;In 2024, Calgary became the most populated city in the province, with 1.6 million residents. As our population increases and suburban areas continue to be the location of choice for new housing, new communities have emerged so Calgary can meet the demands of a growing population in the coming decades.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;These are some of the new communities in Calgary and surrounding areas:&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://nostalgiatownlet.com/" data-type="link"&gt;&lt;strong&gt;Nostalgia Townlet&lt;/strong&gt;&lt;/a&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Coming to the southeast quadrant of the city, this neighbourhood will blend the past and the present with neo-traditional architecture and multi-family and single-family properties.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Developed by Jayman BUILT, this sustainability-focused community will live between the Bow River to the south and the communities of Seton/Rangeview to the north.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The main street will feature a homeowner’s association, amenities and boutique retailers, with a focus on wellness and authentic social connections.&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://alpinepark.ca/" data-type="link"&gt;&lt;strong&gt;Alpine Park&lt;/strong&gt;&lt;/a&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;This new southwest community provides access to all parts of the city and a shorter commute thanks to a newly opened section of the Stoney Trail ring road.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Alpine Park offers a dynamic mix of housing choices such as condos and townhouses and features several walking pathways, lake access and a spacious retail space.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;With a focus on sustainability, all homes built within Alpine Park are required to be solar-ready with 200-amp servicing that helps distribute electricity more efficiently and can handle standard-size residential solar power systems with battery storage, solar orientation for detached garages, and solar conduit rough-ins that support the installation of future solar power systems.&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://ambleton.qualicocommunitiescalgary.com/community" data-type="link"&gt;&lt;strong&gt;Ambleton&lt;/strong&gt;&lt;/a&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Conveniently located in the northwest quadrant of the city, Ambleton provides easy access to Stoney Trail, 14 Street NW, and 144 Avenue NW, and downtown, as well as Highways 1 and 2 for when you need to get out of town.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The community offers laned and front garage homes in craftsman, prairie, farmhouse and mid-century modern styles.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Within a five-minute drive, residents can access amenities such as schools, daycares, medical services, five parks, 7.3 km of planned regional and multi-use pathways, and retail.&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://liveinhomestead.ca/" data-type="link"&gt;&lt;strong&gt;Homestead&lt;/strong&gt;&lt;/a&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Featuring front-garage homes, duplex homes and townhomes in the northeast, Homestead offers easy access to mountain views, fields and the city’s major thoroughfares, including direct access to Stoney Trail and 80th&amp;nbsp;Avenue NE.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;No car? No problem. The community has access to major roadways and Calgary Transit bus services.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;A family-oriented community, Homestead will also be home to two schools, four one-acre playgrounds and several playing fields with soccer fields, cricket pitches and basketball and pickleball courts.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Set to open this spring, the Homestead Landing Commercial Plaza, a four-acre, seven-building site, will serve the community of Homestead , as well as surrounding areas and future developments to come.&amp;nbsp;&lt;/p&gt;&lt;h3 style="text-align: start"&gt;&lt;strong&gt;Surrounding areas&lt;/strong&gt;&lt;/h3&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://www.heartlandcochrane.ca/" data-type="link"&gt;&lt;strong&gt;Heartland&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;(Cochrane)&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;A 20-minute drive to Calgary, Heartland offers front drive, front attached garage and duplex homes with the finest materials.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Heartland is close to the Rocky Mountains, Kananaskis Country and Banff National Park, and features stunning landscapes with mountain views.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;With parks, trails and playgrounds, this community is perfect for outdoor enthusiasts. It also boasts just a 17-minute drive to Ghost Lake, a nearby hot spot for swimming, kayaking and camping in the summer and for ice fishing, snowshoeing and cross-country skiing in the winter.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://www.bestcalgaryhomes.com/new-communities-in-calgary/" data-type="link"&gt;&lt;strong&gt;Harmony&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;(Rocky Mountain Country)&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Located just five kilometres west of Calgary, in Rural Rocky View M.D, Harmony is a peaceful community offering townhomes, laned homes, detached homes, bungalows, estates and lakeside properties.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Harmony has quick and easy access to the mountains and major amenities along the Trans-Canada Highway, and features a central man-made lake with a beach club and a future wellness space by Groupe Nordik.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Currently under construction is a village featuring a mixed-use area to cater to residents’ daily activities and amenity needs.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://liveinlanark.com/" data-type="link"&gt;&lt;strong&gt;Lanark Landing&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;(Airdrie)&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;With townhomes, duplexes, laned homes and front drive homes, Lanark Landing has something for everyone.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The community’s amenities include a pump track for bikes, a local skating rink, parks, playgrounds and walking trails so all the members of the family can enjoy the neighbourhood.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Lanark Landing is also close to three Rocky View public schools and two Catholic ones, and is located within walking distance of Kingsview Market and the Sierra Springs Shopping Centre.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://taza.ca/" data-type="link"&gt;&lt;strong&gt;Taza Park&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;(Tsuut'ina)&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;This new development situated between Glenmore Trail SW and the Stoney Trail/Tsuut’ina Trail Ring Road offers a lifestyle filled with outdoor recreation and connection to nature.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;With townhomes and villas, Taza Park provides easy access to Calgary (a seven-minute drive to the city centre) and the Rocky Mountains.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Its amenities include workspaces, shopping, dining, entertainment and nine parks, four dog parks, 20 acres of green space and over 1,000 kms of integrated regional pathways.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://lifeinwaterford.com/" data-type="link"&gt;&lt;strong&gt;Waterford&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;(Chestermere)&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;On the southwest edge of Chestermere, the Waterford community offers townhomes, duplexes, single family and laned homes.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;With high walkability scores, Waterford features three school sites, eight green spaces and parks, three storm ponds and two neighbourhood centres.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Named “Alberta’s Oasis”, the community has a year-round lake-living resort that offers all the amenities of a weekend or summer getaway, right in the comfort of the community.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://www.prominenthomes.ca/calgary-communities/wedderburn" data-type="link"&gt;&lt;strong&gt;Wedderburn&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;(Okotoks)&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Nestled in north Okotoks, Wedderburn offers a variety of options for all types of buyers that range from laned to paired homes, front drive villas and homes, as well as condos.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;A 15-minute drive from south Calgary, the community has pathways that connect to over 85 km of local pathways, a safe route network, the Meadow Ridge School (K-9), playgrounds and a scenic pond.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Wedderburn is also minutes away from the local favourite golf club, D’Arcy Ranch.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Finally, the community’s commercial area will be walking distance to shopping, dining and other essentials.&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 05 May 2025 16:18:48 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/may-01-2025-creb-8666835</guid>
      <dc:date>2025-05-05T16:18:48Z</dc:date>
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      <title>May 01, 2025 | CREB</title>
      <link>https://shelleycorley.ca/blog.html/may-01-2025-creb-8666833</link>
      <description>&lt;h1 style="text-align: start"&gt;&lt;strong&gt;Balanced conditions take pressure off prices&lt;/strong&gt;&lt;/h1&gt;&lt;p class="block-p" style="text-align: start"&gt;A boost in new listings this month relative to sales caused April inventories to rise to 5,876 units. Although this is more than double the number reported last year, last year’s supply was exceptionally low, and current inventory levels are consistent with what we typically see in April. April sales reached 2,236 units—22 per cent below last year’s levels but in line with long-term trends.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;“Economic uncertainty has weighed on home sales in our market, but levels are still outpacing activity reported during the challenging economic climate experienced prior to the pandemic,” said Ann-Marie Lurie, Chief Economist at CREB®. “This, in part, is related to our market's situation before the recent shocks. Previous gains in migration, relatively stable employment levels, lower lending rates, and better supply choice compared to last year’s ultra-low levels have likely prevented a more significant pullback in sales and have kept home prices relatively stable.”&lt;br&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The rise in inventory levels helped the market shift to balanced conditions with nearly three months of supply. However, conditions vary depending on price range and property type. Lower-priced detached and semi-detached properties continue to struggle with insufficient supply, while row and apartment-style homes are seeing more broad-based shifts to balanced conditions.&amp;nbsp;&lt;br&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The additional supply has helped relieve the pressure on home prices following the steep gains reported over the past several years. Benchmark prices for each property type have remained relatively stable compared to last month. However, compared to last year, detached and semi-detached prices are over two per cent higher than last year's levels, while apartment and row-style home prices have remained relatively unchanged.&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;Detached&lt;br&gt;&lt;/strong&gt;Detached sales were 1,102 units in April, a year-over-year decline of 16 per cent. While sales eased across most areas of the city, the South East district has seen sales rise over last year's levels. April saw 1,907 new listings come onto the market, and the sales-to-new-listings ratio remained balanced at 58 per cent. Inventories rose to 2,511 units, and the months of supply rose to 2.3 months. While this is a significant gain over the less than one month of supply reported last year at this time, conditions remain relatively tight, especially in the lower price ranges.&lt;br&gt;&lt;br&gt;In April, the unadjusted benchmark price reached $769,300, similar to last month but over two per cent higher than last April. The added supply choice, combined with uncertainty, has slowed the pace of price growth. However, with a year-over-year gain of nearly five per cent, the City Centre has exhibited stronger price growth than any other district.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;Semi-Detached&lt;br&gt;&lt;/strong&gt;Easing sales in April contributed to the year-to-date decline of nearly 16 per cent. The 190 sales in April were met with 350 new listings, and the sales-to-new-listings ratio fell to 54 per cent. This also caused further gains in inventory levels, which reached 484 units. The rise in inventory did help push the market toward balanced conditions with 2.6 months of supply, a significant improvement over the less than one month reported at this time last year.&lt;br&gt;&lt;br&gt;The shift toward more balanced conditions has slowed the pace of price growth. In April, the unadjusted benchmark price was $691,700, similar to last month and over three per cent higher than last year. The City Centre reported the largest gain, at over five per cent, while prices in the North remained stable compared to last year.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Row&lt;br&gt;&lt;/strong&gt;April sales slowed for row homes, contributing to the year-to-date decline of 16 per cent. Meanwhile, new listings continued to rise compared to last year, driving the sales-to-new-listings down to 51 per cent. In April, inventories reached 1,005 units, the highest level reported since 2021, and the months of supply rose to nearly three months. Improved supply has taken some of the pressure off prices,&lt;br&gt;&lt;br&gt;In April, the unadjusted row price was $457,400, a slight gain over last month, but relatively unchanged compared to April of last year and still below last year's peak price reported in June. The pullbacks reported in the North and North East districts offset year-over-year gains in most districts.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Apartment Condominium&lt;br&gt;&lt;/strong&gt;April sales eased by nearly 30 per cent over last year's record high but were far stronger than long-term trends. While sales have remained relatively strong, new listings in April reached a record high for the month, supporting further gains in inventory levels. With three months of supply in the city, conditions are considered relatively balanced. However, activity does range significantly based on location, impacting price movements.&lt;br&gt;&lt;br&gt;The North East district reported the highest months of supply at seven months, resulting in a year-over-year price decline of two per cent and a spread of over seven per cent from last year's high. Overall, the April benchmark price in the city was $336,000, similar to last year but still three per cent lower than last year's record high.&lt;/p&gt;&lt;p class="block-p"&gt;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;REGIONAL MARKET FACTS&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;Airdrie&lt;br&gt;&lt;/strong&gt;For the third month in a row, sales activity eased compared to last year's levels. Despite the declines, sales remain above long-term trends. At the same time, new listings continue to rise, but with 185 sales and 290 new listings in April, the sales-to-new listings ratio reached 64 per cent, an improvement over recent months. Inventory levels continued to trend up this month. However, after three consecutive years of exceptionally low April levels, inventory is now consistent with long-term trends. With 2.3 months of supply, conditions are moving to a more balanced state, taking the pressure off home prices. In April, the total residential price was $544,700, relatively unchanged compared to both last month and last year's levels.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Cochrane&lt;br&gt;&lt;/strong&gt;For the fourth month in a row, sales activity in the area has remained consistent with last year's levels, resulting in 335 sales so far this year, a nearly five per cent gain over last year and consistent with long-term trends. New listings have also been on the rise, but the sales-to-new-listings ratio has remained at 60 per cent, preventing the doubling of inventory in this market. While inventory levels have improved compared to last year, the 246 units available in April are just shy of long-term trends. Like other areas, improvements in supply have slowed the pace of price growth, but in Cochrane, prices are still edging up. In April, the total residential benchmark price was $592,000, trending up over last month and nearly six per cent higher than prices reported in the previous year and at a record high.&lt;/p&gt;&lt;p class="block-p"&gt;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Okotoks&lt;br&gt;&lt;/strong&gt;Sales in Okotoks continue to ease compared to last year, contributing to the year-to-date decline of 16 per cent. Over the past few years, sales have been restricted by a lack of supply. However, this year we have started to see a shift. New listings continue to improve in April compared to sales, causing the sales-to-new-listings ratio to ease to 53 per cent, supporting inventory gains. However, with 127 units in inventory in April, levels remain below long-term trends for the month. The modest gains in inventory have slowed the pace of price growth in the area. As of April, the unadjusted benchmark price was $627,100, down slightly from last month, but nearly two per cent higher than last April.&lt;/p&gt;&lt;p class="block-p"&gt;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://www.creb.com/Housing_Statistics/documents/04_2025_Calgary_Monthly_Stats_Package.pdf" data-type="link"&gt;&lt;strong&gt;Click here&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;to view the full City of Calgary monthly stats package.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://www.creb.com/Housing_Statistics/documents/04_2025_Regional_Monthly_Stats_Package.pdf" data-type="link"&gt;&lt;strong&gt;Click here&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;to view the full Calgary region monthly stats package.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 05 May 2025 14:57:19 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/may-01-2025-creb-8666833</guid>
      <dc:date>2025-05-05T14:57:19Z</dc:date>
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      <title>7 Vintage Decor Trends Designers Are Loving in 2025</title>
      <link>https://shelleycorley.ca/blog.html/7-vintage-decor-trends-designers-are-loving-in-2025-8654083</link>
      <description>&lt;p class="block-p"&gt;These design comebacks include block print wallpaper, charming linens, and the new 'it' neutral: brown.&lt;/p&gt;&lt;p class="block-p"&gt;By &lt;a target="" rel="" href="https://www.bhg.com/author/maria-sabella/" data-type="link"&gt;&lt;strong&gt;Maria Sabella&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Published on March 5, 2025&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="primary-image__image mntl-primary-image--blurry loaded"&gt;&lt;img src="https://www.bhg.com/thmb/hoK8PpJGwlU22vmqqYqc6mi3ED8=/3300x0/filters:no_upscale():strip_icc():format(webp)/NozDesign_PurpleRoom-1_preview-932f7fb192dd40659018abe10c566c59.jpg" alt="purple wall and light brown couch" class="primary-image__image mntl-primary-image--blurry loaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Photo:&lt;/p&gt;&lt;p class="block-p"&gt;Lauren Andersen/Sen Creative / Interior Designer: Noz Nozawa&lt;/p&gt;&lt;p class="block-p"&gt;This year's home design trends are all about warmth and comfort, personal touches that tell a story, and vintage design details that evoke a sense of nostalgia. To help you capture the charm of the &lt;a target="" rel="" href="https://www.bhg.com/decorating/decorating-style/second-hand-decorating/secrets-to-mixing-vintage-furnishings-with-everyday-decor/" data-type="link"&gt;vintage decor aesthetic&lt;/a&gt;, industry experts are giving us the scoop on what they're most excited to see in 2025.&lt;/p&gt;&lt;p class="block-p"&gt;"The 2025 vintage aesthetic isn’t just about looking back—it's about adding pieces to your home that feel fresh, curated, and uniquely personal," says &lt;a target="_blank" rel="" href="https://www.margaretcarrollinteriors.com/about" data-type="link"&gt;Margaret Carroll&lt;/a&gt;, founder and principal designer at&amp;nbsp;Margaret Carroll Interiors.&lt;/p&gt;&lt;p class="block-p"&gt;The year's &lt;a target="" rel="" href="https://www.bhg.com/color-of-the-year-2025-8692613" data-type="link"&gt;Color of the Year announcements&lt;/a&gt; have served as a hint of what's to come in the world of home decor—namely the color brown, which fits into a larger vintage-inspired color palette of rusty tones and deep eggplant hues. Wallpaper continues to be popular, with &lt;a target="" rel="" href="https://www.bhg.com/pattern-drenching-8607387" data-type="link"&gt;all-over pattern drenching&lt;/a&gt; and nostalgic block print patterns maximizing the vintage charm factor. Keep reading for this year's hottest vintage trends, along with expert tips for implementing them in your own space.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/2025-paint-color-forecast-8768369" data-type="link"&gt;2025 Paint Color Forecast: Out with the Bold and In with Muted Earth Tones&lt;/a&gt;&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/MhuYVixBwJdBu_GO1VBcnQPXUN0=/4000x0/filters:no_upscale():strip_icc():format(webp)/2204_ToriJones_031_preview-dba781cdae634a99a02292a508b90c82.jpg" alt="gallery wall with art in frames" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Dylan Chandler&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Framed Vintage Items as Art&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;For a unique way to add vintage character to your walls, frame vintage items and create a meaningful &lt;a target="" rel="" href="https://www.bhg.com/decorating/home-accessories/wall-art/gallery-wall/" data-type="link"&gt;gallery wall&lt;/a&gt; with them. "Consider framing vintage maps, quirky game boards, or even antique book pages for a look that feels layered and storied," Carroll says. &lt;a target="" rel="" href="https://www.bhg.com/guide-to-framing-art-8772112" data-type="link"&gt;Choose frames&lt;/a&gt; carefully to create an intentional blend of the old and new. "Frames can lean contemporary with sleek burlwood or simple white matting, but mixing and matching wood tones adds an effortless, collected-over-time charm," Carroll suggests.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/decorating/home-accessories/wall-art/create-a-gallery-wall/" data-type="link"&gt;How to Hang a Gallery Wall in 5 Easy Steps&lt;/a&gt;&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Shades of Brown&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;There is a nostalgic warmth about &lt;a target="" rel="" href="https://www.bhg.com/decorate-with-brown-8582112" data-type="link"&gt;the color brown&lt;/a&gt;. Design experts predict the color trend will continue into 2025, introducing vintage-inspired sophistication and a welcome reprieve from cool tones. "We’re seeing the color brown seep back into kitchens, furniture, and bathrooms for its rich, moody, natural vibe," says &lt;a target="_blank" rel="" href="https://www.nieucabinetdoors.com/about/" data-type="link"&gt;Teri Simone&lt;/a&gt;, head of design and marketing at Nieu Cabinet Doors. Brown is a timeless neutral that ranges from dramatic chocolate tones to soothing sandy hues, proving it's a versatile color whose vintage appeal translates well into modern interiors.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/graham-and-brown-color-of-the-year-2025-8714186" data-type="link"&gt;Graham &amp;amp; Brown's 2025 Color of the Year Brings the English Countryside to Your Home&lt;/a&gt;&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait ls-is-cached lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/5MaB8cjQKS6MNuY_I5IZ8xF-qNE=/3299x0/filters:no_upscale():strip_icc():format(webp)/102648767_preview-5e66b98bd1164cd59c87cbf333f00e8a.jpg" alt="Dining room, navy chairs, curtains, detailed wooden floors, zebra rug; Chandelier over dining table" class="mntl-image mntl-image universal-image__image lazyloadwait ls-is-cached lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Adam Albright&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Vintage Lighting&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;Lighting presents a great opportunity to add vintage style and personality to a room. "The vintage lighting trend is gaining even more momentum as we head into 2025," says &lt;a target="_blank" rel="" href="https://www.nicheinteriors.com/team/" data-type="link"&gt;Jennifer Jones&lt;/a&gt;, principal designer at Niche Interiors. She shares that one-of-a-kind vintage chandeliers are having a moment, as are midcentury modern floor lamps, antique desk lamps, and retro-style &lt;a target="" rel="" href="https://www.bhg.com/home-improvement/electrical/how-to-install-wall-mounted-lighting/" data-type="link"&gt;wall sconces&lt;/a&gt;. "Vintage lighting adds so much character to a space and doesn't have to break the bank," Jones says. She recommends checking local flea markets, thrift stores, and online shops like Etsy to find hidden lighting gems.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/lighting-trends-2025-8765863" data-type="link"&gt;These 6 Lighting Trends Will Be Illuminating Homes in 2025&lt;/a&gt;&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Vintage Linens Featuring Classic Patterns&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;When it comes to home textiles, &lt;a target="_blank" rel="" href="https://www.cabinetnow.com/about-us/" data-type="link"&gt;Alecia Taylor&lt;/a&gt;, interior designer at CabinetNow, says vintage linens featuring classic patterns will be a big trend in 2025. The best part is, you can incorporate it in as big or small a way as you like; For a quick and inexpensive way to infuse your &lt;a target="" rel="" href="https://www.bhg.com/how-to-set-a-table-8621903" data-type="link"&gt;table setting&lt;/a&gt; with vintage charm, use fabric napkins with a classic gingham pattern or a pretty floral print tablecloth. For a larger-scale way to channel the trend, opt for a vintage-inspired fabric on window shades or curtain panels. "Look for classic patterns and colors that complement your existing decor," Taylor says. This way, you can add a touch of nostalgic charm while enhancing the room's character in a seamless manner.&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/95eA6hsgKbraoWLX9AfiWSl__-g=/2624x0/filters:no_upscale():strip_icc():format(webp)/102540705_preview-61e78ccd5d824e808af3414f244b863c.jpg" alt="dark green built in bookshelves in living room" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;John Bessler&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Vintage-Inspired Color Palette&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;A warm and inviting vintage-inspired color palette is a big trend in 2025, as evidenced by most of the 2025 Color of the Year choices. &lt;a target="_blank" rel="" href="https://www.ottotiles.com/about-us/?" data-type="link"&gt;Camilla Masi&lt;/a&gt;, interior designer at Otto Tiles &amp;amp; Design US, says this color trend can be seen in both kitchen and bathroom design right now. "Homeowners are looking towards nostalgia to add a sense of comfort and familiarity to their home and that is why vintage style interiors and decor are having a moment right now," Masi explains. When piecing together a vintage-inspired color palette, she suggests shades such as classic steely blue, eggplant, nostalgic forest and &lt;a target="" rel="" href="https://www.bhg.com/best-olive-green-paint-colors-8730735" data-type="link"&gt;olive greens&lt;/a&gt;, muddy browns, and &lt;a target="" rel="" href="https://www.bhg.com/best-off-white-paint-colors-8731759" data-type="link"&gt;creamy off-whites&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/70s-paint-color-trends-7970754" data-type="link"&gt;These '70s Paint Color Trends Are Back in Style&lt;/a&gt;&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;All-Over Pattern Drenching&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;When it comes to wallpaper, &lt;a target="" rel="" href="https://www.bhg.com/pattern-drenching-8607387" data-type="link"&gt;all-over pattern drenching&lt;/a&gt; is another big vintage trend to watch out for in 2025, according to &lt;a target="_blank" rel="" href="https://chasingpaper.com/pages/our-story" data-type="link"&gt;Elizabeth Rees&lt;/a&gt;, CEO and co-founder of Chasing Paper. "When considering where and how to apply the wallpaper, the all-over pattern drenching approach can further elevate a space and create an all-encompassing design with the patterns of block print wallpaper," she says. To give your home a warm and cozy makeover with ample vintage charm, Rees suggests installing going for all-over pattern drenching in a space like &lt;a target="" rel="" href="https://www.bhg.com/bedroom-wallpaper-ideas-8648123" data-type="link"&gt;a bedroom&lt;/a&gt;. "Bedrooms are the most personal rooms in a home and block print wallpaper can help bring an enhanced sense of individuality to the space," she says. To truly embrace the vintage trend, complete the space with soft accents and thoughtfully curated heirloom furniture.&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/4AoB9FMOU95LyAjwEpgFp0JUr7Y=/3840x0/filters:no_upscale():strip_icc():format(webp)/102764347_preview-d76d97f7d93242df859506927a32882d.jpg" alt="Blue and white bathroom wallpaper with gold mirror and marble vanity" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;h2&gt;&lt;strong&gt;Block Print Wallpaper&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;"Block print wallpapers are going to make a mark in&amp;nbsp;2025&amp;nbsp;with their artisanal hand-stamped charm, striking the perfect balance between timeless tradition and modern simplicity," Rees says. She points out that block printing is one of the oldest printing techniques, which often features repetitive, imperfect patterns of geometric shapes, florals, botanicals, and other natural elements. This year, Rees says block print wallpaper is the vintage trend you'll want to embrace if you want to &lt;a target="" rel="" href="https://www.bhg.com/80s-bhg-decorating-advice-11684188" data-type="link"&gt;evoke a sense of nostalgia&lt;/a&gt;.&lt;/p&gt;</description>
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      <pubDate>Wed, 23 Apr 2025 20:12:14 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/7-vintage-decor-trends-designers-are-loving-in-2025-8654083</guid>
      <dc:date>2025-04-23T20:12:14Z</dc:date>
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      <title>Easter itinerary for residents of Airdrie and surrounding area</title>
      <link>https://shelleycorley.ca/blog.html/easter-itinerary-for-residents-of-airdrie-and-surrounding-area-8645813</link>
      <description>&lt;p class="block-p"&gt;Looking forward to an egg-citing Easter in 2025? There's plenty of Easter festivities taking place in and around Airdrie.&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="avatar-img"&gt;&lt;img src="https://www.vmcdn.ca/f/files/airdrietoday/images/staff-photos/kajal-dhaneshwari.jpg;w=120;h=120;mode=crop" alt="Kajal Dhaneshwari" class="avatar-img" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.airdriecityview.com/writers/kajal%20dhaneshwari" data-type="link"&gt;Kajal Dhaneshwari&lt;/a&gt;&lt;br&gt;Apr 7, 2025 1:30 P&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Airdronians eager to celebrate Easter don't need to search any further for the perfect itinerary of festivities.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;There are many Easter celebrations taking place this year in and around Airdrie.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;The Airdrie Farmers Market will kick off the 2025 season with an &lt;a target="" rel="" href="https://allevents.in/airdrie/airdrie-farmers-market-spring-fling/200027765369023?utm_source=airdrie%20city%20view&amp;amp;utm_campaign=airdrie%20city%20view%3A%20outbound&amp;amp;utm_medium=referral" data-type="link"&gt;Annual Easter Spring Fling.&lt;/a&gt; The event promises "makers bakers and growers will be at the event with something for everyone."&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Airdrie Farmers Market Spring Fling is scheduled to be held on April 19 at the Town and Country Centre from 10 a.m. to 4 p.m.&amp;nbsp;Upon admission to the event, a donation to the Airdrie Food Bank is encouraged.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Another adventurous Easter event—&lt;a target="" rel="" href="https://www.eventbrite.ca/e/airdrie-easter-scavenger-hunt-tickets-1302685580639?utm_source=airdrie%20city%20view&amp;amp;utm_campaign=airdrie%20city%20view%3A%20outbound&amp;amp;utm_medium=referral" data-type="link"&gt;Airdrie Easter Scavenger Hunt &lt;/a&gt;will be taking place on April 19 from 10 a.m. to 2 p.m.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;It is a free event for residents that are interested. Registered participants can choose their own starting point as there are ten locations to choose from.&lt;/p&gt;&lt;p class="block-p"&gt;A scavenger map with hints to track down eggs will be emailed at 10 a.m.&amp;nbsp;to everyone that has registered to go on the adventure.&amp;nbsp;While the event is free for all, participants are encouraged to bring a donation for the Airdrie Food Bank.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Donations will be collected at one of the ten egg locations. Items such as household cleaning supplies, baby formula, canned condiments, fruits and vegetables, meat and more would be essential donation items. To view the full list of most needed items at the food bank, visit the link &lt;a target="" rel="" href="https://www.airdriefoodbank.com/_files/ugd/036302_be29ca6417d54c1ca0da16306922ba80.pdf?utm_source=airdrie%20city%20view&amp;amp;utm_campaign=airdrie%20city%20view%3A%20outbound&amp;amp;utm_medium=referral" data-type="link"&gt;here&lt;/a&gt;.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;It is important to note that participants require a vehicle as the eggs are hidden throughout Airdrie.&lt;/p&gt;&lt;p class="block-p"&gt;This event is being hosted by the Maverick Group. To register, residents can visit&amp;nbsp;&lt;a target="" rel="" href="http://maverickgroupyyc.com/easterscavengerhunt" data-type="link"&gt;maverickgroupyyc.com/easterscavengerhunt&lt;/a&gt;&lt;a target="" rel="" href="https://maverickgroupyyc.com/easterscavengerhunt/?utm_source=airdrie%20city%20view&amp;amp;utm_campaign=airdrie%20city%20view%3A%20outbound&amp;amp;utm_medium=referral" data-type="link"&gt;.&amp;nbsp;&lt;/a&gt;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;There's plenty of Easter festivities taking place around the City of Airdrie as well.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Irricana's Easter Egg Hunt and Dance&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;The&lt;a target="" rel="" href="https://townofirricana.ca/event/%f0%9f%90%a3-%f0%9f%90%b0-irricana-easter-egg-hunt-dance-free/?utm_source=airdrie%20city%20view&amp;amp;utm_campaign=airdrie%20city%20view%3A%20outbound&amp;amp;utm_medium=referral" data-type="link"&gt; Annual Easter Egg Hunt and Dance &lt;/a&gt;is taking place at the Irricana Lions Community Hall on April 12 from 10 a.m. to 1 p.m.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;The event is set to offer fun activities for the whole family, which includes face painting and glitter tattoos, popcorn and cotton candy, bouncy castle and more.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Beiseker's Easter&amp;nbsp;Hunt and Fun&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://allevents.in/crossfield/beiseker-easter-hunt-and-fun-free/200027985403615?utm_source=airdrie%20city%20view&amp;amp;utm_campaign=airdrie%20city%20view%3A%20outbound&amp;amp;utm_medium=referral" data-type="link"&gt;Beiseker Easter Egg Hunt&lt;/a&gt; is another event being hosted by the Village of Beiseker, on April 5 from 10 a.m. 1 p.m. at the Beiseker Community Centre.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;This event will feature an&amp;nbsp;Easter Egg Hunt filled with fun activities for families. Popcorn and cotton candy, a hot-dog lunch, bouncy castle, games, crafts and more will be a part of the egg-citing celebration put up by Beiseker Family and Community Support Services (FCSS)&amp;nbsp;and the Beiseker Fire Department.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Langdon's Community Easter Event&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Langdon is also hosting a &lt;a target="" rel="" href="https://langdonchamber.ca/event/community-easter-event/?utm_source=airdrie%20city%20view&amp;amp;utm_campaign=airdrie%20city%20view%3A%20outbound&amp;amp;utm_medium=referral" data-type="link"&gt;Community Easter Event &lt;/a&gt;on April 19 from 9 a.m. to 12 p.m. at Langdon Park.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;This event will feature&amp;nbsp;an egg hunt for ages eight-years-old and under at 10 a.m. For children of age nine-years-old and above, the egg hunt will take place at 10:45 a.m.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;There will be crafts, concession, baby chicks, face painting, raffle and photo booth. Additionally, there will also be a Family Bingo at 4:15 p.m. to 6 p.m. at the Langdon Field House.&lt;/p&gt;&lt;p class="block-p"&gt;Residents who are attending the event at Langdon are encouraged to support the raffle that helps the hamlet run such events for free to the community.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 14 Apr 2025 18:08:25 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/easter-itinerary-for-residents-of-airdrie-and-surrounding-area-8645813</guid>
      <dc:date>2025-04-14T18:08:25Z</dc:date>
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      <title>Five tips for first-time homebuyers</title>
      <link>https://shelleycorley.ca/blog.html/five-tips-for-first-time-homebuyers-8643209</link>
      <description>&lt;p class="block-p"&gt;April 28, 2022 | CREB&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;For most of us, buying a home will be the biggest purchasing decision we make in our lifetime. Adding to the weight of that decision is going through it the first time.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;First-time homebuyers can benefit tremendously from receiving extra advice throughout the purchase process. It's difficult to know exactly what to expect, but most issues can be resolved by doing a little homework at the outset.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The good news is first-time homebuyers are not on their own. Here are five tips to help you navigate the journey:&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;1.&lt;strong&gt; Do your research&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Ask questions and do your homework. Speak with other homeowners to get a real-life perspective on what it's like to own property. Also take some time to think about where you want to be today and five years from now, and plan accordingly!&lt;br&gt;&lt;br&gt;2&lt;strong&gt;. Get pre-approved&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;It is best for first-time buyers to get pre-approved for a mortgage so they know how much they can spend.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Talk to a mortgage specialist about mortgage products, terms, payment options and rates. Then, share the pre-approval with your REALTOR® so they only show you homes that fit your budget.&lt;br&gt;&lt;br&gt;3&lt;strong&gt;. Use a REALTOR®&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Many homebuyers research potential homes using &lt;a target="" rel="" href="http://realtor.ca" data-type="link"&gt;realtor.ca&lt;/a&gt;, but what's really important is the interpretation of that data, and that's where a REALTOR® comes in.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;A REALTOR® is a trusted source for all your real estate needs. Not only do they provide invaluable expertise, but they are also committed to a high standard of professional conduct focused on the consumer.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;A REALTOR® also provides a homebuyer with all the information to make an informed decision in terms of comparable prices in the neighbourhood, market conditions and the proper steps to go through in a home purchase.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;4.&lt;strong&gt; Seeing is believing&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;While most people begin their home search online, shopping that way may not tell the whole story of a property. Photos can be deceiving, so it's important to get inside a house and explore it for yourself.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Things like the size of a home, the condition of the interior and exterior and the neighborhood can vary when looking at a home online versus in person.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Schedule a showing with your REALTOR® or visit an open house to help you make a much smarter buying decision.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;5.&lt;strong&gt; Get a home inspection&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;A home inspection could identify a simple cosmetic problem or safety issue that could be potentially life threatening.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Many first-time buyers walk into a home, love the kitchen or the bathrooms or the general layout, and can look right past everything else. That's why you need an unbiased, independent review of the home.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Your home inspector should not care whether you buy the home or not. They have no vested interest in the transaction and present you with the facts.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Fri, 11 Apr 2025 16:11:02 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/five-tips-for-first-time-homebuyers-8643209</guid>
      <dc:date>2025-04-11T16:11:02Z</dc:date>
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      <title>9 Simple Ways to Make a Small Space Look Layered and Personal (Not Cluttered)</title>
      <link>https://shelleycorley.ca/blog.html/9-simple-ways-to-make-a-small-space-look-layered-and-personal-not-clut-8546406</link>
      <description>&lt;p class="block-p"&gt;Even a small space can have a big personality when you make the right moves with color, pattern, and furniture. By &lt;a target="" rel="" href="https://www.bhg.com/author/amy-panos/" data-type="link"&gt;Amy Panos&lt;/a&gt;&amp;nbsp;and &lt;a target="" rel="" href="https://www.bhg.com/author/paige-porter-fischer/" data-type="link"&gt;Paige Porter Fischer&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Published in Better Homes &amp;amp; Gardens&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Published on March 15, 2025&lt;/p&gt;&lt;p class="block-p"&gt;Think &lt;a target="" rel="" href="https://www.bhg.com/decorating/small-spaces/homes/small-house-tricks/" data-type="link"&gt;living in a small space&lt;/a&gt; means you have to limit patterns and accessories for fear of your home looking cluttered? Think again. Take a look at this tiny South Carolina bungalow and see how eclectic art, plenty of patterns, and a consistent color palette amp up how large it lives and its charming looks.&lt;/p&gt;&lt;p class="block-p"&gt;"I had to be very thoughtful about each space—how to incorporate everything I love without overwhelming the eye in a much smaller house," says homeowner &lt;a target="_blank" rel="" href="https://teresarocheart.com/" data-type="link"&gt;Teresa Roche&lt;/a&gt;, who is also an artist, gallery owner, and textile designer. The way she layered art, pattern, and personality into every inch of her home proves that &lt;a target="" rel="" href="https://www.bhg.com/decorating/decorating-style/rooms-that-prove-more-is-more-281474979472419/" data-type="link"&gt;maximalism&lt;/a&gt; isn’t off limits even in limited square footage.&lt;/p&gt;&lt;p class="block-p"&gt;Here are 9 small-space decorating lessons from this creative pro.&lt;/p&gt;&lt;p class="block-p"&gt;01of 09&lt;/p&gt;&lt;h2&gt;Set a Color Palette for the Whole House&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/uY0P-hqVj92s8MNcaFUyTjiTDf0=/1576x0/filters:no_upscale():strip_icc():format(webp)/07200050_preview-7c428fef8cb249d79076c4cb87f3aecd.jpg" alt="family room with crosshatch pattern" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;In a small space, sticking with one neutral wall color throughout all the rooms isn't boring, it's strategic. In this house, &lt;a target="" rel="" href="https://www.bhg.com/warm-white-paint-colors-8682611" data-type="link"&gt;painting all the walls creamy white&lt;/a&gt; (Sherwin-Williams Alabaster) creates a visual flow and sets up a background that allows artwork and patterns to really shine.&lt;/p&gt;&lt;p class="block-p"&gt;Repeating the same accent colors through multiple rooms is another winning strategy in a small space. Roche used a palette of ochers, earthy browns, herbal greens, and warm yellows across every room in her house. In the living room, the palette shows up in upholstered furniture and pillows as well as artwork and the curtains in the adjacent foyer. "The repetition creates an easy flow from one space to the next,” Roche says.&lt;/p&gt;&lt;p class="block-p"&gt;02of 09&lt;/p&gt;&lt;h2&gt;Make Artwork Blend&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/o10ZVWcazNFTw_sKCLsFwyVYsS8=/1672x0/filters:no_upscale():strip_icc():format(webp)/07200313_preview-9ca04bef6d2844d08e5eb1dcd1b27071.jpg" alt="breakfast nook with gallery wall straight on" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;A &lt;a target="" rel="" href="https://www.bhg.com/decorating/home-accessories/wall-art/gallery-wall/" data-type="link"&gt;gallery wall&lt;/a&gt; makes an instant and impactful focal point. In a small space, it's important that individual art pieces flow together visually and read as cohesive. For her dining alcove, Roche hung favorite pieces from airplane wire, which she attached to a picture rail. The continuity comes from the colors in the artwork and the types of frames. “I love mixing frames of all shapes and sizes, but I stick to subtle materials—white, wood, nickel-brushed silver, and brushed gold—and stay away from black frames because they often overpower the pieces themselves.” The subtle flow from frame to frame keeps the installation from overwhelming the eye.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/best-picture-frames-7369490" data-type="link"&gt;The 48 Best Picture Frames Our Editors Love&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;03of 09&lt;/p&gt;&lt;h2&gt;Use Patterns That Act Like Neutrals&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/u7MfaT-EClmSBWSUH-9q8MrgnYI=/1707x0/filters:no_upscale():strip_icc():format(webp)/07200340_preview-554c885fedbc439e8a73b7c617bc243b.jpg" alt="kitchen with crosshatch wallpaper" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;In an open floor plan, be mindful when choosing patterns that will be used prominently. For this kitchen, which is open to the dining and living areas, Roche used an abstract basketweave wallpaper pattern that she considers neutral. (Notice the pattern and color repeat on throw pillows in the adjacent living room.)&lt;/p&gt;&lt;p class="block-p"&gt;"My patterns aren't crazy patterns—they are classic ones," she says. "My basketweave pattern was bold enough to make an impression but not too overwhelming for the art I wanted to pair with it,” she says. Other patterns that can act as neutrals include abstract, irregular stripes and plaids. They give a room structure but also fade into the background because of their regular, almost-geometric patterns.&lt;/p&gt;&lt;p class="block-p"&gt;04of 09&lt;/p&gt;&lt;h2&gt;Repeat the Same Pattern&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/974D6F1rKwctUmYdjPAubLHB6CI=/1528x0/filters:no_upscale():strip_icc():format(webp)/072100111_preview-e567b65b39c241fa9abf5e47a7746bcb.jpg" alt="hallway with matching wallpaper and curtains" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;Using the same pattern in both wallpaper and fabric is a longstanding decorator trick for creating a space that looks put together but not overly busy. Roche used the approach in her foyer, hanging &lt;a target="" rel="" href="https://www.bhg.com/home-improvement/walls/wallpapering/iconic-wallpaper-patterns-history/" data-type="link"&gt;wallpaper&lt;/a&gt; and doorway curtains in the same painterly stripe. It's a bold pattern, but because of the white background and the way it's repeated over so much surface area, the eye registers it as background.&lt;/p&gt;&lt;p class="block-p"&gt;05of 09&lt;/p&gt;&lt;h2&gt;Keep Window Treatments Simple&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/pYVciCuO-NAzPt4vBHD6v74ZIm0=/1652x0/filters:no_upscale():strip_icc():format(webp)/07210051_preview-1714ab64a3394759b373aff4a4e7ae9e.jpg" alt="sitting room with sideboard and art" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;Heavy, elaborate window treatments can make a small room feel claustrophobic. If you can forgo them altogether, do. In this sitting room, the windows are deliberately bare to let in maximum light and views, plus their white trim blends with the wall color to &lt;a target="" rel="" href="https://www.bhg.com/decorating/small-spaces/strategies/living-room-ideas/" data-type="link"&gt;make the space look larger&lt;/a&gt;. If you need the privacy or light control that window treatments bring, choose something simple, such as woven &lt;a target="" rel="" href="https://www.bhg.com/decorating/window-treatments/window-projects/how-to-make-roman-shades/" data-type="link"&gt;Roman shades&lt;/a&gt; or simple white curtain panels, and repeat them throughout the house.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/window-treatment-mistakes-8406347" data-type="link"&gt;7 Window Treatment Mistakes You Might Be Making&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;06of 09&lt;/p&gt;&lt;h2&gt;Establish a Furniture Palette&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/bET6eyPWjkZc3SPd2FJNvEYm_Go=/1686x0/filters:no_upscale():strip_icc():format(webp)/07200154_preview-9fb517f0f69f4fddbafd476c597add61.jpg" alt="sunporch with patterned furniture and rug" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;Just like a &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/schemes/nature-inspired-color-palettes-281474979472421/" data-type="link"&gt;consistent color palette&lt;/a&gt; can make a small space look larger and more well-designed, so too can editing your furniture choices. For example, all of the furniture in Roche's home shares either similar simple shapes or wood tones, or both. In this house, that means lots of &lt;a target="" rel="" href="https://www.bhg.com/decorating/decorating-style/midcentury-modern/" data-type="link"&gt;midcentury modern&lt;/a&gt;, antique pine pieces, and Danish modern furniture, like this low-slung sofa and chairs, which are so versatile that Roche has reupholstered them three times over the years.&lt;/p&gt;&lt;p class="block-p"&gt;"I never hesitate to mix furniture from various time periods," she says. "I buy what speaks to me." When your furniture is cohesive, it's also easier to move pieces around from room to room when you're ready for a change.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/decorating/lessons/expert-advice/decorate-with-wood-furniture/" data-type="link"&gt;8 Tips for Decorating with Wood Furniture to Avoid a Dated Look&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;07of 09&lt;/p&gt;&lt;h2&gt;Think Small Scale&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/qX0LCdruVWQIPdGeEDW_W9ijYMA=/1566x0/filters:no_upscale():strip_icc():format(webp)/07200102_preview-1ca4b34517d04d35acdc2bfd66818084.jpg" alt="desk with wall hanging" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;For furniture you only use occasionally, choose a small size that still gives you functionality. For example, using a petite antique pine table, rather than a traditional desk, made it possible to sneak a workstation into the corner of a &lt;a target="" rel="" href="https://www.bhg.com/home-improvement/porch/sun-room/sunrooms-ideas-seamless-exterior-additions/" data-type="link"&gt;sunroom&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;08of 09&lt;/p&gt;&lt;h2&gt;Maximize Outdoor Space&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/kgD7_yrz79nIQCNlv6KG0Ky1JSA=/1537x0/filters:no_upscale():strip_icc():format(webp)/07210028_preview-315cde9b0de040f289b1eb911e9f813a.jpg" alt="porch with patterned pillows" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;Because the &lt;a target="" rel="" href="https://www.bhg.com/home-improvement/porch/porch/small-front-porch-ideas-281474979492502/" data-type="link"&gt;front porch&lt;/a&gt; gets used as an outdoor living room when the weather cooperates, it should be furnished as comfortably as the indoor version. That means ample seating and lighting, which here is accomplished via a simple woven shade. &lt;a target="" rel="" href="https://www.bhg.com/bhg-walmart-outdoor-accent-chairs-8789944" data-type="link"&gt;Outdoor chairs&lt;/a&gt; in versatile white blend with the house color and railings to make a crisp, uncluttered backdrop for patterned throw pillows.&lt;/p&gt;&lt;p class="block-p"&gt;09of 09&lt;/p&gt;&lt;h2&gt;Draw the Eye Up with Art&lt;/h2&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/PrjTrRJ5BfmPjgQvJfmOVwwj_Y0=/1707x0/filters:no_upscale():strip_icc():format(webp)/07210063_preview-df91feea49104cb682386b2272e75fbb.jpg" alt="stirway with artwork" class="mntl-image mntl-image universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Brie Williams / Interior Design: Teresa Roche&lt;/p&gt;&lt;p class="block-p"&gt;Even the stairwell can contribute to a light, bright, and airy feel in a small house when it's treated to a refreshing white paint job on walls, trim, and the stairs themselves.&lt;/p&gt;&lt;p class="block-p"&gt;Another trick is to hang artwork at the top of the stairs to draw the eyes up and through the space. In her stairway, Roche hung a series of four paintings vertically to emphasize the height of the ceilings. “For stairwells, the negative space becomes as important as the art to me,” she says. “I don’t like cluttered stairwells, so I don’t want to see painting after painting."&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Styled by Jennifer DeCleene&lt;/em&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 02 Apr 2025 20:42:25 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/9-simple-ways-to-make-a-small-space-look-layered-and-personal-not-clut-8546406</guid>
      <dc:date>2025-04-02T20:42:25Z</dc:date>
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      <title>Bank of Canada reduces policy rate by 25 basis points to 2¾%</title>
      <link>https://shelleycorley.ca/blog.html/bank-of-canada-reduces-policy-rate-by-25-basis-points-to-2-8440708</link>
      <description>&lt;p class="block-p"&gt;FOR IMMEDIATE RELEASE&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bankofcanada.ca/press/contacts/" data-type="link"&gt;&lt;strong&gt;Media Relations&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bankofcanada.ca/search/?location[]=ottawa_ontario" data-type="link"&gt;&lt;strong&gt;Ottawa, Ontario&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;March 12, 2025&lt;/p&gt;&lt;p class="block-p"&gt;The Bank of Canada today reduced its target for the overnight rate to 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The Canadian economy entered 2025 in a solid position, with inflation close to the 2% target and robust GDP growth. However, heightened trade tensions and tariffs imposed by the United States will likely slow the pace of economic activity and increase inflationary pressures in Canada. The economic outlook continues to be subject to more-than-usual uncertainty because of the rapidly evolving policy landscape.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;After a period of solid growth, the US economy looks to have slowed in recent months. US inflation remains slightly above target. Economic growth in the euro zone was modest in late 2024. China’s economy has posted strong gains, supported by government policies. Equity prices have fallen and bond yields have eased on market expectations of weaker North American growth. Oil prices have been volatile and are trading below the assumptions in the Bank’s January &lt;em&gt;Monetary Policy Report&lt;/em&gt; (MPR). The Canadian dollar is broadly unchanged against the US dollar but weaker against other currencies.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Canada’s economy grew by 2.6% in the fourth quarter of 2024 following upwardly revised growth of 2.2% in the third quarter. This growth path is stronger than was expected at the time of the January MPR. Past cuts to interest rates have boosted economic activity, particularly consumption and housing. However, economic growth in the first quarter of 2025 will likely slow as the intensifying trade conflict weighs on sentiment and activity. Recent surveys suggest a sharp drop in consumer confidence and a slowdown in business spending as companies postpone or cancel investments. The negative impact of slowing domestic demand has been partially offset by a surge in exports in advance of tariffs being imposed.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Employment growth strengthened in November through January and the unemployment rate declined to 6.6%. In February, job growth stalled. While past interest rate cuts have boosted demand for labour in recent months, there are warning signs that heightened trade tensions could disrupt the recovery in the jobs market. Meanwhile, wage growth has shown signs of moderation.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Inflation remains close to the 2% target. The temporary suspension of the GST/HST lowered some consumer prices, but January’s CPI was slightly firmer than expected at 1.9%. Inflation is expected to increase to about 2½% in March with the end of the tax break. The Bank’s preferred measures of core inflation remain above 2%, mainly because of the persistence of shelter price inflation. Short-term inflation expectations have risen in light of fears about the impact of tariffs on prices.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;While economic growth has come in stronger than expected, the pervasive uncertainty created by continuously changing US tariff threats is restraining consumers’ spending intentions and businesses’ plans to hire and invest. Against this background, and with inflation close to the 2% target, Governing Council decided to reduce the policy rate by a further 25 basis points.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Monetary policy cannot offset the impacts of a trade war. What it can and must do is ensure that higher prices do not lead to ongoing inflation. Governing Council will be carefully assessing the timing and strength of both the downward pressures on inflation from a weaker economy and the upward pressures on inflation from higher costs. The Council will also be closely monitoring inflation expectations. The Bank is committed to maintaining price stability for Canadians.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;&lt;strong&gt;Information note&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;The next scheduled date for announcing the overnight rate target is April 16, 2025. The Bank will publish its next full outlook for the economy and inflation, including risks to the projection, in the MPR at the same time.&lt;/p&gt;</description>
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      <pubDate>Wed, 12 Mar 2025 15:11:07 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/bank-of-canada-reduces-policy-rate-by-25-basis-points-to-2-8440708</guid>
      <dc:date>2025-03-12T15:11:07Z</dc:date>
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      <title>🏡 The Purpose of a Home Inspection 🕵️‍♂️🔍</title>
      <link>https://shelleycorley.ca/blog.html/-the-purpose-of-a-home-inspection--8428800</link>
      <description>&lt;p class="block-p"&gt;A &lt;strong&gt;home inspection&lt;/strong&gt; is a crucial step in the buying process—it helps protect your investment! Here’s why it matters:&lt;/p&gt;&lt;p class="block-p"&gt;✔️ &lt;strong&gt;Uncover Hidden Issues&lt;/strong&gt; – Identifies potential problems like structural concerns, electrical issues, or plumbing leaks.&lt;br&gt;✔️ &lt;strong&gt;Negotiation Power&lt;/strong&gt; – Gives buyers leverage to request repairs or adjust the price.&lt;br&gt;✔️ &lt;strong&gt;Safety &amp;amp; Peace of Mind&lt;/strong&gt; – Ensures the home is safe and meets building standards.&lt;br&gt;✔️ &lt;strong&gt;Future Planning&lt;/strong&gt; – Helps you anticipate maintenance and future costs.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔍 What Does a Home Inspector Do? 🏡&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;A &lt;strong&gt;home inspector&lt;/strong&gt; provides a detailed evaluation of a property's condition, helping buyers make informed decisions. Here's what they check:&lt;/p&gt;&lt;p class="block-p"&gt;✔️ &lt;strong&gt;Structure&lt;/strong&gt; – Foundation, walls, roof, and attic for any signs of damage.&lt;br&gt;✔️ &lt;strong&gt;Electrical Systems&lt;/strong&gt; – Outlets, wiring, and breaker panels for safety.&lt;br&gt;✔️ &lt;strong&gt;Plumbing&lt;/strong&gt; – Pipes, water heaters, and potential leaks.&lt;br&gt;✔️ &lt;strong&gt;HVAC&lt;/strong&gt; – Heating, ventilation, and air conditioning functionality.&lt;br&gt;✔️ &lt;strong&gt;Exterior &amp;amp; Interior&lt;/strong&gt; – Windows, doors, insulation, and more!&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;🔍 Home Inspections Are Visual Only – What Does That Mean? 🏡&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;A &lt;strong&gt;home inspection&lt;/strong&gt; is a &lt;strong&gt;non-invasive, visual examination&lt;/strong&gt; of a property's condition. Inspectors &lt;strong&gt;don’t open walls, move furniture, or perform destructive testing&lt;/strong&gt;—they assess what’s &lt;strong&gt;visible and accessible&lt;/strong&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;A home inspection provides &lt;strong&gt;valuable insight&lt;/strong&gt;, but for deeper concerns, specialized inspections (like mold, sewer, or asbestos) may be needed.&lt;/p&gt;&lt;p class="block-p"&gt;A home inspection can save you from costly surprises! Thinking of buying? Make sure you get an inspection!&lt;/p&gt;&lt;p class="block-p"&gt;A home is a big investment—make sure you know what you’re buying! &lt;/p&gt;&lt;p class="block-p"&gt;🏡💡 Need an inspector recommendation?&lt;/p&gt;&lt;p class="block-p"&gt;Call or text 403-660-0102 or email shelleyannecorley@gmail.com&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 04 Mar 2025 17:45:05 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/-the-purpose-of-a-home-inspection--8428800</guid>
      <dc:date>2025-03-04T17:45:05Z</dc:date>
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      <title>Condo VS Freehold Purchases</title>
      <link>https://shelleycorley.ca/blog.html/condo-vs-freehold-purchases-8407332</link>
      <description>&lt;p class="block-p"&gt;When purchasing a &lt;strong&gt;condo&lt;/strong&gt; versus a &lt;strong&gt;freehold property&lt;/strong&gt;, there are key differences in ownership, costs, responsibilities, and lifestyle considerations. Here’s a breakdown:&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;1. Ownership Structure&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Condo:&lt;/strong&gt; You own your individual unit but share ownership of common areas (hallways, amenities, landscaping, etc.) with other condo owners. A condo board manages these shared spaces.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Freehold:&lt;/strong&gt; You own both the home and the land it sits on, giving you full control over the property.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;2. Costs &amp;amp; Fees&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Condo:&lt;/strong&gt; Typically has a lower purchase price compared to freehold homes but includes &lt;strong&gt;monthly condo fees&lt;/strong&gt; for maintenance, repairs, and amenities. Special assessments may be levied for unexpected expenses.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Freehold:&lt;/strong&gt; No condo fees, but homeowners are responsible for all maintenance, repairs, and property expenses.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;3. Maintenance &amp;amp; Responsibilities&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Condo:&lt;/strong&gt; The condo board/management handles exterior maintenance, landscaping, snow removal, and repairs for shared spaces, making it a lower-maintenance option.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Freehold:&lt;/strong&gt; Homeowners must manage and pay for all upkeep, including lawn care, roof repairs, and structural maintenance.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;4. Rules &amp;amp; Restrictions&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Condo:&lt;/strong&gt; Subject to condo board rules and bylaws, which may restrict renovations, rentals (Airbnb), pet ownership, and noise levels.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Freehold:&lt;/strong&gt; No governing board—homeowners have full control over renovations, landscaping, and renting out the property.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;5. Appreciation &amp;amp; Resale Value&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Condo:&lt;/strong&gt; Appreciation can be slower due to shared ownership, condo fees, and reliance on board management. However, well-maintained buildings in prime locations can still see strong value growth.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Freehold:&lt;/strong&gt; Typically appreciates faster as land value increases over time. More desirable to buyers due to independence and lack of monthly fees.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;6. Financing &amp;amp; Insurance&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Condo:&lt;/strong&gt; Easier to finance due to lower price points, but lenders may consider condo corporation financials. Condo insurance only covers the unit’s interior, while the condo corporation insures the building’s exterior.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Freehold:&lt;/strong&gt; Higher mortgage amounts may be required, but you have full control over property financing. Homeowners must insure the entire property.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;7. Lifestyle Considerations&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Condo:&lt;/strong&gt; Ideal for those seeking a low-maintenance lifestyle, access to amenities (gym, pool, concierge), and urban living. Best for busy professionals, retirees, or those who travel often.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Freehold:&lt;/strong&gt; Better suited for families, those needing space (yard, garage, storage), and individuals who enjoy personalizing their home and outdoor areas.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;Which One is Right for You?&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Choose a Condo If:&lt;/strong&gt; You want convenience, lower maintenance, and urban living with amenities.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Choose a Freehold Property If:&lt;/strong&gt; You prefer independence, long-term appreciation, and full control over your home.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 19 Feb 2025 03:06:08 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/condo-vs-freehold-purchases-8407332</guid>
      <dc:date>2025-02-19T03:06:08Z</dc:date>
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      <title>Embrace the Calgary winter with these activities</title>
      <link>https://shelleycorley.ca/blog.html/embrace-the-calgary-winter-with-these-activities-8406203</link>
      <description>&lt;p class="block-p"&gt;Feb. 07, 2025 | CREB&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Whether you’re a winter walker, snowboarder, or simply want to enjoy this season without too much hassle, Calgary offers activities for all winter enthusiasts.&lt;/p&gt;&lt;p class="block-p"&gt;Grab your hot chocolate and toque, because we have some great ideas for activities you can tackle in all the city quadrants.&amp;nbsp;&lt;br&gt;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Crokicurl&amp;nbsp;&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;As Canada’s new winter pastime, Crokicurl is an exciting novel outdoor sport that combines crokinole and curling, two of Canada’s favourite winter activities.&amp;nbsp;&lt;br&gt;&lt;br&gt;The objective of the game is to score the most points by shooting a small curling rock into the centre button (20 points), and trying to position the rocks to stay within the highest scoring circle at the end of each round (red circle = 15 points, white circle = 10 points, blue circle = 5 points). &amp;nbsp;&lt;br&gt;&lt;br&gt;The only equipment needed is the curling stones, which are provided at the site of the Crokicurl rinks in the hours noted below:&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.calgary.ca/parks/bowness-park-winter-activities.html#features" data-type="link"&gt;Bowness Park&lt;/a&gt;, 8900 48 Ave NW, open from 10 a.m. to 7 p.m.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.calgary.ca/parks/north-glenmore-park-features.html#status" data-type="link"&gt;North Glenmore Park&lt;/a&gt;, 7305 Crowchild Trail SW, open from 11 am. To 8:30 p.m.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.calgary.ca/parks/princes-island-park.html#status" data-type="link"&gt;Prince’s Island Park&lt;/a&gt;, 698 Eau Claire Ave SW, open from 9 a.m. to 6 p.m.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Cross-country skiing and snowshoeing&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Don’t have time for a trip to the mountains? No problem! Calgary has mesmerizing snow-covered landscapes you can enjoy while staying active all winter long.&amp;nbsp;&lt;br&gt;&lt;br&gt;Cross-country skiing and snowshoeing can be done in almost any park, but there are several dedicated cross-country skiing tracks and snowshoe areas available in Calgary at no cost that are maintained by Calgary Parks and volunteers. Here are some trails you can check out:&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://nordic-pulse.com/ski-areas/CA/AB/Calgary-Confederation" data-type="link"&gt;Confederation Golf Course&lt;/a&gt;, 3204 Collingwood Dr NW&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.calgary.ca/rec-locations/golf/lakeview-features.html#features" data-type="link"&gt;Lakeview Golf Course&lt;/a&gt;, 5840 19 Street SW&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.calgary.ca/rec-locations/golf/mccall-lake-features.html#features" data-type="link"&gt;McCall Lake Golf Course&lt;/a&gt;, 1600 32 Avenue NE&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.calgary.ca/rec-locations/golf/maple-ridge-features.html#features" data-type="link"&gt;Maple Ridge Golf Course&lt;/a&gt;, 1240 Mapleglade Dr SE&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.calgary.ca/parks/princes-island-park.html#status" data-type="link"&gt;Prince’s Island Park&lt;/a&gt;, 4 Street and 1 Avenue SW (Downtown)&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p" style="text-align: start"&gt;Discover more trails in the city by clicking &lt;a target="_blank" rel="" href="https://www.calgary.ca/parks/activities/cross-country-skiing.html" data-type="link"&gt;here&lt;/a&gt;.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Ice Skating&amp;nbsp;&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Whether you’re a pro or a beginner, our city has numerous ice skating trails and rinks that make for a perfect winter outing. You just have to show up! Bring your ice skates, helmets, and if necessary, your skating aid, and enjoy the season!&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Barb Scott Park, 12 Ave and 9 St SW.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Prairie Winds Park, 223 Castleridge Blvd NE&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Prestwick Rink, 15113 Prestwick Blvd SE&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;West Confederation Park, 2019 Chicoutimi Dr NW&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p" style="text-align: start"&gt;For a complete list of Calgary’s skating rinks and their status, click &lt;a target="_blank" rel="" href="https://www.calgary.ca/parks/activities/outdoor-skating-rinks.html#map" data-type="link"&gt;here&lt;/a&gt;.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Looking to go beyond the rink? Bowness Park has a 1.6 km track for skating next to the Bow River, and is open from 10 a.m. to 11 p.m. Meanwhile, North Glenmore Park has 730 metres of connected track and is open from 11 a.m. to 10 p.m.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Tobogganing and sledding&amp;nbsp;&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Bring joy to your little ones with a day of tobogganing and sledding at the various hills of our wonderful city. Many of these hills are safe and exciting, but please know that they are also weather dependent. Here are a few recommendations:&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Thorncliffe/Greenview, 5600 Centre St. NE&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Royal Oak, 9100 Royal Birch Blvd NW&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;New Brighton, 1750 New Brighton Dr SE&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Stanley Park, 330 42 Ave SW&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;Source:&amp;nbsp;&lt;a target="_blank" rel="" href="https://www.calgary.ca/parks-recreation.html" data-type="link"&gt;City of Calgary Parks.&lt;/a&gt;&lt;/p&gt;</description>
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      <pubDate>Thu, 13 Feb 2025 17:00:00 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/embrace-the-calgary-winter-with-these-activities-8406203</guid>
      <dc:date>2025-02-13T17:00:00Z</dc:date>
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      <title>What are closing costs in a real estate transaction?</title>
      <link>https://shelleycorley.ca/blog.html/what-are-closing-costs-in-a-real-estate-transaction-8406198</link>
      <description>&lt;p class="block-p"&gt;Closing costs are the fees and expenses that must be paid when a transaction is finalized. They encompass a wide range of charges depending on which side of the transaction you are on. Some of these costs will be incurred by either the buyer, the seller, or both parties, or in the case of a refinance, by the home owner.&amp;nbsp;Typically, closing costs can range from 1.5% to 3% of the purchase price of a home for buyers, depending on the specifics of the transaction and location within Canada, and for a refinance it can be as little as a couple thousand dollars, which you may be able to add to the balance of your loan so you have no out of pocket expenses.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;&lt;strong&gt;Common closing costs when buying a home&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Land transfer tax:&amp;nbsp;&lt;/strong&gt;This tax varies by province and municipality. It is calculated based on the purchase price of the property.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: a few hundred to thousands of dollars.&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Legal fees:&lt;/strong&gt;&amp;nbsp;These cover the services of a real estate lawyer or notary who will handle the legal aspects of the transaction. These fees may include title searches, title registration, and the preparation of necessary documents.&amp;nbsp;&amp;nbsp;These costs in Alberta recently increased in October 2024.&lt;br&gt;&lt;em&gt;Potential cost: $2,000to $3,500 or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Title insurance:&lt;/strong&gt;&amp;nbsp;This one-time cost protects against potential issues with the property’s title, such as disputes over ownership. Typically required by lenders for their protection at your cost, homeowners can get an add on to protect themselves as well.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $150 to $500 or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Property appraisal:&lt;/strong&gt;&amp;nbsp;Conventional or lower loan-to-value mortgages may require an appraisal to determine the fair market value.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $300 to $600 or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Home inspection:&lt;/strong&gt;&amp;nbsp;Although optional, a home inspection is highly recommended to identify any potential issues with the property.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $500 to $800 or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Property tax adjustments:&amp;nbsp;&lt;/strong&gt;Depending on when your home purchase closes, you may need to reimburse the seller for any property taxes already paid. Alternatively, you may receive a credit from the seller for any property taxes that have not been paid for the year.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Mortgage default insurance:&amp;nbsp;&lt;/strong&gt;If your down payment is less than 20% of the purchase price, you’ll need mortgage default insurance. This can cost between 2.8% and 4.3% of the mortgage amount. This insurance can be added to your mortgage balance. Ontario, Quebec and Saskatchewan also charge provincial sales tax on this insurance, which must be paid at closing.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3 style="text-align: start"&gt;&lt;strong&gt;Common closing costs when selling a home&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Real estate commissions:&lt;/strong&gt;&amp;nbsp;The seller typically pays the commission for both the buyer’s and seller’s Realtor, usually between 3% and 5% of the sale price plus any applicable taxes, such as GST/HST.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Legal fees:&lt;/strong&gt;&amp;nbsp;These cover the services of a real estate lawyer or notary who will verify the legal ownership of the property and clear any liens or charges against the title.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $1,000 to $3,000 or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Mortgage discharge fees:&lt;/strong&gt;&amp;nbsp;Charged by your lender to close out your mortgage.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $200 to $500&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Mortgage pre-payment charges: &lt;/strong&gt;Depending on when your mortgage term is up, you may incur pre-payment penalties.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: 3-months’ interest or the Interest Rate Differential (IRD)&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Repairs and maintenance:&amp;nbsp;&lt;/strong&gt;Any agreed-upon repairs or maintenance to be completed before the sale.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3 style="text-align: start"&gt;&lt;strong&gt;Closing costs when refinancing a home&lt;/strong&gt;&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Appraisal fees:&lt;/strong&gt;&amp;nbsp;The lender will require an appraisal to determine the fair market value.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $300 to $600&amp;nbsp;or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Legal fees:&lt;/strong&gt;&amp;nbsp;These cover the services of a real estate lawyer or notary who will verify the legal ownership of the property and register the new mortgage.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $1,000 to $3,000 or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Mortgage discharge fees:&amp;nbsp;&lt;/strong&gt;Charged by the current lender to close out the existing mortgage.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $200 to $500&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Title insurance:&lt;/strong&gt;&amp;nbsp;This may be required&amp;nbsp;&lt;strong&gt;&amp;nbsp;&lt;/strong&gt;by your new lender&lt;strong&gt;&amp;nbsp;&amp;nbsp;&lt;/strong&gt;to protect against title-related issues during refinancing.&amp;nbsp;&lt;br&gt;&lt;em&gt;Potential cost: $150 to $500 or more&lt;/em&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Mortgage pre-payment charges:&amp;nbsp;&lt;/strong&gt;If breaking the existing mortgage term, you may be charged pre-payment penalties of three months’ interest or the Interest Rate Differential (IRD) depending on your original mortgage terms.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;Published January 14th, 2025 By MMG Mortgages&amp;nbsp;&lt;/p&gt;</description>
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      <pubDate>Mon, 10 Feb 2025 16:22:29 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/what-are-closing-costs-in-a-real-estate-transaction-8406198</guid>
      <dc:date>2025-02-10T16:22:29Z</dc:date>
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      <title>Bank of Canada reduces policy rate by 25 basis points to 3%, announces end of quantitative tightening</title>
      <link>https://shelleycorley.ca/blog.html/bank-of-canada-reduces-policy-rate-by-25-basis-points-to-3-announces-e-8395083</link>
      <description>&lt;p class="block-p"&gt;FOR IMMEDIATE RELEASE&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bankofcanada.ca/press/contacts/" data-type="link"&gt;&lt;strong&gt;Media Relations&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bankofcanada.ca/search/?location[]=ottawa_ontario" data-type="link"&gt;&lt;strong&gt;Ottawa, Ontario&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;January 29, 2025&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.bankofcanada.ca%2F2025%2F01%2Ffad-press-release-2025-01-29%2F" data-type="link"&gt;Share this page on Facebook&lt;/a&gt; &lt;a target="" rel="" href="https://twitter.com/intent/tweet?text=Currently+reading%3A&amp;amp;url=https%3A%2F%2Fwww.bankofcanada.ca%2F2025%2F01%2Ffad-press-release-2025-01-29%2F" data-type="link"&gt;Share this page on X&lt;/a&gt; &lt;a target="" rel="" href="https://www.linkedin.com/sharing/share-offsite?url=https%3A%2F%2Fwww.bankofcanada.ca%2F2025%2F01%2Ffad-press-release-2025-01-29%2F" data-type="link"&gt;Share this page on LinkedIn&lt;/a&gt; &lt;a target="" rel="" href="https://shelleycorley.ca/mailto:?Subject=Bank%20of%20Canada%20reduces%20policy%20rate%20by%2025%20basis%20points%20to%203%25%2C%20announces%20end%20of%20quantitative%20tightening&amp;amp;body=Currently%20reading%3A%20https%3A%2F%2Fwww.bankofcanada.ca%2F2025%2F01%2Ffad-press-release-2025-01-29%2F" data-type="link"&gt;Share this page by email&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;The Bank of Canada today reduced its target for the overnight rate to 3%, with the Bank Rate at 3.25% and the deposit rate at 2.95%.The Bank is also announcing its plan to complete the normalization of its balance sheet, ending quantitative tightening. The Bank will restart asset purchases in early March, beginning gradually so that its balance sheet stabilizes and then grows modestly, in line with growth in the economy.&lt;/p&gt;&lt;p class="block-p"&gt;Projections in the January &lt;em&gt;Monetary Policy Report&lt;/em&gt; (MPR) published today are subject to more-than-usual uncertainty because of the rapidly evolving policy landscape, particularly the threat of trade tariffs by the new administration in the United States. Since the scope and duration of a possible trade conflict are impossible to predict, this MPR provides a baseline forecast in the absence of new tariffs.&lt;/p&gt;&lt;p class="block-p"&gt;In the MPR projection, the global economy is expected to continue growing by about 3% over the next two years. Growth in the United States has been revised up, mainly due to stronger consumption. Growth in the euro area is likely to be subdued as the region copes with competitiveness pressures. In China, recent policy actions are boosting demand and supporting near-term growth, although structural challenges remain. Since October, financial conditions have diverged across countries. US bond yields have risen, supported by strong growth and more persistent inflation. In contrast, yields in Canada are down slightly. The Canadian dollar has depreciated materially against the US dollar, largely reflecting trade uncertainty and broader strength in the US currency. Oil prices have been volatile and in recent weeks have been about $5 higher than was assumed in the October MPR.&lt;/p&gt;&lt;p class="block-p"&gt;In Canada, past cuts to interest rates have started to boost the economy. The recent strengthening in both consumption and housing activity is expected to continue. However, business investment remains weak. The outlook for exports is being supported by new export capacity for oil and gas.&lt;/p&gt;&lt;p class="block-p"&gt;Canada’s labour market remains soft, with the unemployment rate at 6.7% in December. Job growth has strengthened in recent months, after lagging growth in the labour force for more than a year. Wage pressures, which have proven sticky, are showing some signs of easing.&lt;/p&gt;&lt;p class="block-p"&gt;The Bank forecasts GDP growth will strengthen in 2025. However, with slower population growth because of reduced immigration targets, both GDP and potential growth will be more moderate than was expected in October. Following growth of 1.3% in 2024, the Bank now projects GDP will grow by 1.8% in both 2025 and 2026, somewhat higher than potential growth. As a result, excess supply in the economy is gradually absorbed over the projection horizon.&lt;/p&gt;&lt;p class="block-p"&gt;CPI inflation remains close to 2%, with some volatility due to the temporary suspension of the GST/HST on some consumer products. Shelter price inflation is still elevated but it is easing gradually, as expected. A broad range of indicators, including surveys of inflation expectations and the distribution of price changes among components of the CPI, suggests that underlying inflation is close to 2%. The Bank forecasts CPI inflation will be around the 2% target over the next two years.&lt;/p&gt;&lt;p class="block-p"&gt;Setting aside threatened US tariffs, the upside and downside risks around the outlook are reasonably balanced. However, as discussed in the MPR, a protracted trade conflict would most likely lead to weaker GDP and higher prices in Canada.&lt;/p&gt;&lt;p class="block-p"&gt;With inflation around 2% and the economy in excess supply, Governing Council decided to reduce the policy rate a further 25 basis points to 3%. The cumulative reduction in the policy rate since last June is substantial. Lower interest rates are boosting household spending and, in the outlook published today, the economy is expected to strengthen gradually and inflation to stay close to target. However, if broad-based and significant tariffs were imposed, the resilience of Canada’s economy would be tested. We will be following developments closely and assessing the implications for economic activity, inflation and monetary policy in Canada. The Bank is committed to maintaining price stability for Canadians.&lt;/p&gt;&lt;h2&gt;&lt;strong&gt;Information note&lt;/strong&gt;&lt;/h2&gt;&lt;p class="block-p"&gt;The next scheduled date for announcing the overnight rate target is March 12, 2025. The Bank will publish its next full outlook for the economy and inflation, including risks to the projection, in the MPR on April 16, 2025.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 29 Jan 2025 19:52:57 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/bank-of-canada-reduces-policy-rate-by-25-basis-points-to-3-announces-e-8395083</guid>
      <dc:date>2025-01-29T19:52:57Z</dc:date>
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      <title>Canadian Mortgage Rates</title>
      <link>https://shelleycorley.ca/blog.html/canadian-mortgage-rates--8393089</link>
      <description>&lt;p class="block-p"&gt;As of January 27, 2025, Canadian mortgage rates vary by term and lender.&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;2-year fixed&lt;/strong&gt;: The average rate is 6.53%, but rates can be as low as 4.59%&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;3-year fixed&lt;/strong&gt;: The average rate is 5.47%, but rates can be as low as 4.34%&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;4-year fixed&lt;/strong&gt;: The average rate is 5.65%, but rates can be as low as 4.54%&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;5-year fixed&lt;/strong&gt;: The average rate is 5.02%, but rates can be as low as 4.14%&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;7-year fixed&lt;/strong&gt;: The average rate is 6.37%, but rates can be as low as 5.94%&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;10-year fixed&lt;/strong&gt;: The average rate is 7.14%, but rates can be as low as 6.14%&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Lenders&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Desjardins&lt;/strong&gt;: Offers a 4-year fixed rate of 4.24%&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Radius Financial&lt;/strong&gt;: Offers a 3-year variable rate of 4.55% and a 5-year variable rate of 4.60%&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;RFA&lt;/strong&gt;: Offers a 2-year fixed rate of 4.64%&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Royal Bank of Canada&lt;/strong&gt;: Offers a 5-year closed rate of 6.390%&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;TD Bank&lt;/strong&gt;: Offers a 3-year fixed closed special rate of 5.09%&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;True North Mortgage&lt;/strong&gt;: Offers a 6-month fixed rate of 2.99%&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;You can check out these websites for more information on Canadian mortgage rates: &lt;a target="" rel="" href="http://nesto.ca" data-type="link"&gt;nesto.ca&lt;/a&gt;, NerdWallet, and RBC Royal Bank.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;br&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 27 Jan 2025 19:17:53 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/canadian-mortgage-rates--8393089</guid>
      <dc:date>2025-01-27T19:17:53Z</dc:date>
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      <title>2025 Paint Color Forecast: Out with the Bold and In with Muted Earth Tones</title>
      <link>https://shelleycorley.ca/blog.html/2025-paint-color-forecast-out-with-the-bold-and-in-with-muted-earth-to-8389291</link>
      <description>&lt;h1&gt;&lt;/h1&gt;&lt;p class="block-p"&gt;Paint industry pros predict diffused colors will take the place of last year's bright shades.&lt;/p&gt;&lt;p class="block-p"&gt;By &lt;a target="" rel="" href="https://www.bhg.com/author/cyndy-aldred/" data-type="link"&gt;Cyndy Aldred&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Published on January 6, 2025&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="primary-image__image mntl-primary-image--blurry loaded"&gt;&lt;img src="https://www.bhg.com/thmb/inrQ33muxx6IfEsBhqW3s4OwqOk=/3024x0/filters:no_upscale():strip_icc():format(webp)/3-86bf58c5b1cc4c2e90ec6283039b166b.jpeg" alt="Living room with tan sofa, artwork, and deep charcoal walls" class="primary-image__image mntl-primary-image--blurry loaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Photo:&lt;/p&gt;&lt;p class="block-p"&gt;Haneen Matt&lt;/p&gt;&lt;p class="block-p"&gt;Paint manufacturers have released their much-anticipated predictions for &lt;a target="" rel="" href="https://www.bhg.com/color-of-the-year-2025-8692613" data-type="link"&gt;colors that are expected to trend in the year ahead&lt;/a&gt;. From “quietly colorful" hues to contrasting shades of charcoal to rich &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/colors/decorate-with-jewel-tones/" data-type="link"&gt;jewel tones&lt;/a&gt;, there’s an inspiring paint color for every design style.&amp;nbsp;Here are the top paint color trends forecasted for 2025.&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/PWfv5NqHkqQ2lJFuw1y-kZ1CYgI=/2500x0/filters:no_upscale():strip_icc():format(webp)/1-384e1ed87fe3470da453b1664a218443.jpg" alt="Purple bedroom with a built-in bed" class="universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Photo: &lt;a target="_blank" rel="" href="https://www.nicolefranzen.com/" data-type="link"&gt;Nicole Franzen&lt;/a&gt; / Designer: &lt;a target="_blank" rel="" href="https://www.ofplacestudio.com/" data-type="link"&gt;Amy Knerr&lt;/a&gt; / Stylist: &lt;a target="_blank" rel="" href="https://www.brittanyalbert.com/" data-type="link"&gt;Brittany Albert&lt;/a&gt;&lt;/p&gt;&lt;h2&gt;1. Quietly Colorful Hues&lt;/h2&gt;&lt;p class="block-p"&gt;According to paint manufacturers, the biggest color story of 2025 is an expected consumer shift from &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/neutrals/neutral-paint-colors/" data-type="link"&gt;popular neutrals&lt;/a&gt; to hues that are ‘‘quietly colorful.” These diffused, mellow shades are a fantastic way to introduce and layer color into a space. Not only can they bring harmony to a room, but they also complement any design style.&lt;/p&gt;&lt;p class="block-p"&gt;To find these quietly colorful hues, look for saturated paint color cards that are located next to and border neutrals at the paint store.&amp;nbsp; Some forecasted quiet colors to consider are &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/purple-paint-colors/sw7580-carnelian" data-type="link"&gt;Sherwin-Williams Carnelian&lt;/a&gt;, &lt;a target="_blank" rel="" href="https://www.benjaminmoore.com/en-us/paint-colors/color/2100-20/leather-saddle-brown" data-type="link"&gt;Benjamin Moore Leather Saddle Brown&lt;/a&gt;, and &lt;a target="_blank" rel="" href="https://www.behr.com/consumer/ColorDetailView/M190-7" data-type="link"&gt;BEHR Colorful Leaves&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Paint Color:&lt;/strong&gt; &lt;a target="_blank" rel="" href="https://www.benjaminmoore.com/en-us/paint-colors/color/cc-6/muskoka-dusk" data-type="link"&gt;Muskoka Dusk CC-6 by Benjamin Moore&lt;/a&gt;&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/l9dB2J4Dco5VoVhBKW9vY6wLyv8=/1000x0/filters:no_upscale():strip_icc():format(webp)/2-5ef8f90af6de49ff80dbaaf2798ed403.jpeg" alt="Bathroom with arched shower entryway" class="universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://margaretrajic.com/" data-type="link"&gt;Margaret Rajic&lt;/a&gt; / Designer: &lt;a target="_blank" rel="" href="https://www.coreylohmanndesign.com/" data-type="link"&gt;Corey Lohmann&lt;/a&gt;&lt;/p&gt;&lt;h2&gt;2. Earthy Neutrals&lt;/h2&gt;&lt;p class="block-p"&gt;Earth tones are forecasted to play a strong role in color selection in 2025, especially when it comes to neutrals. Instead of the cooler undertones of the past five years, warmer neutrals with stronger &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/paint/best-earth-tone-paint-colors/" data-type="link"&gt;earth-toned hues&lt;/a&gt;—the same mellow undertones that will make quietly colorful shades popular—are expected to resonate with consumers in the year ahead.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Earth tones vary in saturation from pale hues like beige and clay to bold shades like deep, &lt;a target="" rel="" href="https://www.bhg.com/chocolate-brown-exterior-curb-appeal-8634916" data-type="link"&gt;chocolatey browns&lt;/a&gt;. When mixed with creamy whites, the complex undertones in earthy paint colors instantly stand out and make a beautiful statement on walls and cabinetry alike. Other earthy neutrals to consider are &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/sw6201-thunderous" data-type="link"&gt;Sherwin-Williams Thunderous&lt;/a&gt;, &lt;a target="_blank" rel="" href="https://www.benjaminmoore.com/en-us/paint-colors/color/1484/ashwood-moss" data-type="link"&gt;Benjamin Moore Ashwood Moss&lt;/a&gt;, and &lt;a target="_blank" rel="" href="https://www.behr.com/consumer/ColorDetailView/HDC-NT-27B" data-type="link"&gt;BEHR Wild Truffle&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Wall Panel Paint Color:&lt;/strong&gt; &lt;a target="_blank" rel="" href="https://www.farrow-ball.com/us/paint/pigeon?" data-type="link"&gt;Pigeon by Farrow &amp;amp; Ball&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/pantone-color-of-the-year-2025-8754525" data-type="link"&gt;Pantone's 2025 Color of the Year Is a Toasty, Decadent Shade of Mocha&lt;/a&gt;&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/PBeadIwL0OwZwYUUqONi8MWrzDU=/3024x0/filters:no_upscale():strip_icc():format(webp)/3-149971a13fbf425bafbe8ebfd8b8dbaf.jpeg" alt="Living room with a tan sofa and charcoal walls" class="universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://haneens-haven.com/" data-type="link"&gt;Haneen Matt&lt;/a&gt;&lt;/p&gt;&lt;h2&gt;3. Contrasting Charcoals&lt;/h2&gt;&lt;p class="block-p"&gt;Mixing contrasting colors in home design continues to be popular with designers and color forecasters. Layering an almost-black shade of charcoal with white or a lighter color is a beautiful way to make a statement and create a moody conversation area.&lt;/p&gt;&lt;p class="block-p"&gt;The beauty of &lt;a target="" rel="" href="https://www.bhg.com/charcoal-paint-colors-7643364" data-type="link"&gt;charcoal paint colors&lt;/a&gt; is that they vary in coloration, with warm or cool undertones to complement other hues in the space. If you're looking for the perfect shade of charcoal, consider these favorites featured in 2025 color forecasts: &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/sw7675-sealskin" data-type="link"&gt;Sherwin-Williams Sealskin&lt;/a&gt; and &lt;a target="_blank" rel="" href="https://www.behr.com/consumer/ColorDetailView/PPU18-1" data-type="link"&gt;BEHR Cracked Pepper&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Wall Color:&lt;/strong&gt; &lt;a target="_blank" rel="" href="https://www.benjaminmoore.com/en-us/paint-colors/color/2120-10/jet-black" data-type="link"&gt;Jet Black by Benjamin Moore&lt;/a&gt;&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/sCy-XluhO-Sq3r7LMw9beUJQ3WE=/3405x0/filters:no_upscale():strip_icc():format(webp)/4-194811fb76794c44ad37f2bb675def24.jpeg" alt="Green built-in cabinet" class="universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Courtesy of &lt;a target="_blank" rel="" href="https://www.thecreativityexchange.com/" data-type="link"&gt;The Creativity Exchange&lt;/a&gt; / Designer: &lt;a target="_blank" rel="" href="https://www.layeredhomedesign.com/" data-type="link"&gt;Layered Home&lt;/a&gt;&lt;/p&gt;&lt;h2&gt;4. Nurturing Greens&lt;/h2&gt;&lt;p class="block-p"&gt;Paint manufacturers expect greens to continue to play a big role in consumer color selection in the year ahead. Forecasted for 2025 are organic, nurturing shades of green reminiscent of the forest. These fresh green colors contain the same mellow, muddied, earthy undertones as the quietly colorful hues. The restorative shades of green also have a &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/paint/soothing-paint-colors/" data-type="link"&gt;calming effect&lt;/a&gt; when used on walls and cabinetry as they help bring the outdoors inside. Look to &lt;a target="" rel="" href="https://www.bhg.com/sage-green-paint-colors-8602941" data-type="link"&gt;shades of green like sage&lt;/a&gt;, moss, and juniper for a tranquil connection with nature.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Other nurturing green paint colors to consider in 2025 are &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/sw0015-gallery-green" data-type="link"&gt;Sherwin-Williams Gallery Green&lt;/a&gt;, &lt;a target="_blank" rel="" href="https://www.benjaminmoore.com/en-us/paint-colors/color/461/rosepine" data-type="link"&gt;Benjamin Moore Rosepine&lt;/a&gt;, and &lt;a target="_blank" rel="" href="https://www.behr.com/consumer/ColorDetailView/N420-5" data-type="link"&gt;BEHR Boreal&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Cabinet Paint Color:&lt;/strong&gt; &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/SW6208-pewter-green" data-type="link"&gt;Pewter Green by Sherwin-Williams&lt;/a&gt;&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/I7HRe5WS3T28A5KMeK4qBodRR1s=/1091x0/filters:no_upscale():strip_icc():format(webp)/1qx4QLhP-761cbe6be5e949daaefb879fffbe714c.jpeg" alt="Gray blue wall with white panelling and a wooden dresser" class="universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Courtesy of Sherwin-Williams&lt;/p&gt;&lt;h2&gt;5. Deep Blues&lt;/h2&gt;&lt;p class="block-p"&gt;In 2020, global color forecasters predicted that blue would be the color of the decade and blue continues to be popular in design and with consumers. However, expect to see some shifts in the trending undertones of &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/blue-paint-colors/" data-type="link"&gt;blue paint colors&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;This year, paint manufacturers anticipate that deeper, more complex blues, such as cerulean and Prussian blue, will trend. Forecasted blues to consider are &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/blue-paint-colors/sw6251-outerspace" data-type="link"&gt;Sherwin-Williams Outerspace&lt;/a&gt; and &lt;a target="_blank" rel="" href="https://www.behr.com/consumer/ColorDetailView/PPU15-19" data-type="link"&gt;BEHR Black Sapphire&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Wall Color:&lt;/strong&gt; &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/blue-paint-colors/sw6237-dark-night" data-type="link"&gt;Dark Night by Sherwin-Williams&lt;/a&gt;&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="universal-image__image lazyloadwait lazyloaded"&gt;&lt;img src="https://www.bhg.com/thmb/ipubIAJiOvZ8BlAkwveAzqfMNCw=/1500x0/filters:no_upscale():strip_icc():format(webp)/6-875788e6ce9c451db005883472bcc5aa.jpeg" alt="Room with purple panels and a white fireplace" class="universal-image__image lazyloadwait lazyloaded" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p"&gt;Courtesy of BEHR&lt;/p&gt;&lt;h2&gt;6. Moody Jewel Tones&lt;/h2&gt;&lt;p class="block-p"&gt;Dark, moody colors continue to be popular with consumers and color forecasters again this year. Experts believe this trend will continue but expect to see a shift toward warmed-up jewel-tone hues. Think deep plums with muddy undertones, like &lt;a target="" rel="" href="https://www.bhg.com/behr-color-of-the-year-2025-8698287" data-type="link"&gt;BEHR’s 2025 Color of the Year&lt;/a&gt;, Rumors.&amp;nbsp;Complex shades of dark green-blue and rich chestnut will also be top picks.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;A few favorite deep jewel-tone paint colors to inspire your next project include &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/sw7623-cascades" data-type="link"&gt;Sherwin-Williams Cascades&lt;/a&gt;, &lt;a target="_blank" rel="" href="https://www.sherwin-williams.com/en-us/color/color-family/red-paint-colors/sw6069-french-roast" data-type="link"&gt;Sherwin-Williams French Roast&lt;/a&gt;, and &lt;a target="_blank" rel="" href="https://www.benjaminmoore.com/en-us/paint-colors/color/csp-685/stained-glass" data-type="link"&gt;Benjamin Moore Stained Glass&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Wall Color:&lt;/strong&gt; &lt;a target="_blank" rel="" href="https://www.behr.com/consumer/inspiration/2025-color-of-the-year/?" data-type="link"&gt;Rumors by BEHR&lt;/a&gt;&lt;/p&gt;</description>
      <pubDate>Wed, 22 Jan 2025 21:12:40 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/2025-paint-color-forecast-out-with-the-bold-and-in-with-muted-earth-to-8389291</guid>
      <dc:date>2025-01-22T21:12:40Z</dc:date>
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      <title>Zoning in Real Estate</title>
      <link>https://shelleycorley.ca/blog.html/zoning-in-real-estate--8389290</link>
      <description>&lt;p class="block-p"&gt;Zoning refers to the local government's regulation of land use within a specific area. It involves dividing a municipality or jurisdiction into different zones or districts, each with specific rules and regulations regarding how the land can be utilized. Zoning laws typically dictate the type of activities or developments allowed in a particular zone, such as residential, commercial, industrial, or mixed-use.&lt;/p&gt;&lt;p class="block-p"&gt;The primary purposes of zoning are:&lt;/p&gt;&lt;ol&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Land Use Planning:&lt;/strong&gt; Zoning helps communities plan and organize their development in a way that promotes orderly growth and protects the overall well-being of the community. It prevents incompatible land uses from being located too close to each other.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Property Values:&lt;/strong&gt; Zoning can impact property values by influencing the character of a neighborhood. Residential areas, for example, are often zoned to preserve a certain quality of life, while commercial areas are designated for business activities.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Public Health and Safety:&lt;/strong&gt; Zoning regulations can address concerns related to public health and safety by setting standards for things like building setbacks, fire codes, and environmental protection.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Aesthetic Considerations:&lt;/strong&gt; Zoning may include regulations on the appearance and design of buildings, ensuring that developments contribute to the overall aesthetic of an area.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Infrastructure Planning:&lt;/strong&gt; Zoning can help in planning for necessary infrastructure such as roads, utilities, and public services by aligning them with the expected development in specific zones.&lt;/p&gt;&lt;/li&gt;&lt;/ol&gt;&lt;p class="block-p"&gt;When purchasing real estate, understanding zoning regulations is crucial for several reasons:&lt;/p&gt;&lt;ol&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Intended Use:&lt;/strong&gt; Zoning determines what you can and cannot do with a property. Before purchasing, it's essential to know if the property is zoned for your intended use, whether it's residential, commercial, industrial, or mixed-use.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Future Development:&lt;/strong&gt; Zoning regulations provide insights into potential future developments in the area. This information can affect property values and the overall desirability of the location.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Compliance and Restrictions:&lt;/strong&gt; Zoning ordinances come with specific regulations and restrictions. Buyers need to be aware of these rules to ensure compliance with local laws and to avoid legal issues in the future.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Property Value Impact:&lt;/strong&gt; Zoning can influence property values directly and indirectly. Understanding the zoning regulations in an area can help buyers make informed decisions about the long-term value and potential resale value of the property.&lt;/p&gt;&lt;/li&gt;&lt;/ol&gt;&lt;p class="block-p"&gt;In summary, zoning is a critical aspect of real estate that influences the use, development, and value of properties. Prospective buyers should thoroughly research and understand zoning regulations before making a real estate purchase to ensure their plans align with local zoning laws and to make informed investment decisions.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
      <enclosure url="https://shelleycorley.ca/wps/rest/63857/blog/dcxe/dcxejrqjhzxp.jpg" type="image/jpeg" />
      <pubDate>Wed, 22 Jan 2025 21:00:07 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/zoning-in-real-estate--8389290</guid>
      <dc:date>2025-01-22T21:00:07Z</dc:date>
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      <title>Jan. 01, 2025 | CREB</title>
      <link>https://shelleycorley.ca/blog.html/jan-01-2025-creb-8374773</link>
      <description>&lt;h1 style="text-align: start"&gt;&lt;strong&gt;Home trends coming your way this 2025&lt;/strong&gt;&lt;/h1&gt;&lt;p class="block-p" style="text-align: start"&gt;The past five years have been of immense change. As we adapted to the realities of COVID, and then moved away from them, our homes adapted to our lifestyles.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Many people now spend more time at home working, studying and exercising.&amp;nbsp; For this reason, it’s no surprise that the trends for 2025 focus on comfort, ease, and making our spaces &lt;strong&gt;&lt;em&gt;truly &lt;/em&gt;&lt;/strong&gt;ours.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Check what design experts in North America have predicted for home trends in 2025:&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;1. Sustainability&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;The rise of climate change concerns has made people reconsider the ways they relate to their environment.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;According to The Home Network, in 2025, there will be a bigger focus on making homes more energy-efficient to not only be kind to the environment, but also save money on utilities, increase home value, and benefit from tax incentives.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Check out &lt;a target="_blank" rel="" href="https://www.creb.com/News/CREBNow/2024/April/Building_your_green_home/" data-type="link"&gt;these tips&lt;/a&gt; from CREB® on how you can make your home greener.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Aside from making homes energy-efficient, according to &lt;a target="_blank" rel="" href="https://www.homenetwork.ca/future-home-trends-predicted-by-experts/" data-type="link"&gt;HomeNetwork&lt;/a&gt; people are also choosing natural (and even homemade) cleaning products instead of ones with high amounts of chemicals, and are opting to buy furniture made out of sustainable materials such as cork.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Experts also predict an increase of natural plants in homes – not just for decoration but to truly bring nature into the spaces to help improve air quality and reduce stress.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;2. Coziness and Comfort&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Comfy and inviting furniture became popular last year, but in 2025, design experts predict it will take the lead through the use of curves: Rounded sofas like the famous “Blob” sofa, chairs and circular coffee and dining tables, as well as accent chairs and oblong mirrors that help create a sense of fluidity and comfort.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Warm neutral palettes, earthy tones, and organic colours, along with wood elements such as ceiling beams, trim, millwork, wall paneling, and cabinetry are expected to be seen more this year to add warmth.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;3. Self-care in Style&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;COVID made us realize the importance of mental health, self-care and rest. As we move forward, people have prioritized these aspects of health. This includes bathing, which has become more than a duty. It’s now an immersive experience to relax and rejuvenate.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;For this reason, experts predict that people will move towards bathrooms that can be turned into micro-spas with mesmerizing bathtubs, spacious showers, underwater speakers and luxurious bath products.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Originally designed for large spaces, wet rooms are also expected to be popular as homeowners include separate showers and tubs in them for more comfort.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;4. Boldness and Vibrancy&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;This year, maximalism is coming back. Houzz senior editor Michelle Parker told Forbes Magazine that designers are getting more and more requests to include layers of bold colours, patterns and textures. Examples are grooved walls and ceiling panelling in bold colours, as well as patterned furniture, rugs and pillows.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Lively colours like magenta and tangerine carefully mixed and matched with contrasting textures (rough, smooth, soft, hard) seek to add vibrancy and energy to spaces in 2025.&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;5. Embracing Outdoor Spaces&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Owners of single-family homes with backyards and front porches found solace in these spaces during the pandemic to escape cabin fever.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;While we live in a post-COVID era, the love of homeowners for their outdoor havens has stayed. So much so that &lt;a target="_blank" rel="" href="https://www.forbes.com/sites/terriwilliams/2024/10/31/2025-houzz-home-design-trends-these-are-the-top-10-predictions/" data-type="link"&gt;Forbes Magazine&lt;/a&gt; reported that going into 2025, homeowners with backyards will focus on creating memorable outdoor entertaining spaces to welcome guests.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;According to Michelle Parker, homeowners are embracing outdoor cooking methods that go beyond the classic BBQ and are choosing to install pizza ovens, smokers, ceramic kamado-style barbecues and Argentinian-style gaucho grills that use wood or charcoal.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;In addition to the culinary aspect, more people are also focused on adding more features to their space, such as outdoor showers, waterproof sound systems and freestanding home offices.&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Sources:&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;• &lt;a target="_blank" rel="" href="https://www.homenetwork.ca/future-home-trends-predicted-by-experts/" data-type="link"&gt;Home Network&amp;nbsp;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;• &lt;a target="_blank" rel="" href="https://www.marthastewart.com/furniture-trends-2025-8741858" data-type="link"&gt;Martha Stewart&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;• &lt;a target="_blank" rel="" href="https://www.forbes.com/sites/terriwilliams/2024/10/31/2025-houzz-home-design-trends-these-are-the-top-10-predictions/" data-type="link"&gt;Forbes&lt;/a&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 06 Jan 2025 21:19:18 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/jan-01-2025-creb-8374773</guid>
      <dc:date>2025-01-06T21:19:18Z</dc:date>
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    <item>
      <title>What is Bridge Financing and How does it work?</title>
      <link>https://shelleycorley.ca/blog.html/what-is-bridge-financing-and-how-does-it-work-8374770</link>
      <description>&lt;p class="block-p"&gt;&lt;strong&gt;Key Points:&lt;/strong&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Purpose:&lt;/strong&gt; Used when buying a new home before selling the current one.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;How It Helps:&lt;/strong&gt; Bridges the gap in down payments until the sale closes.&lt;br&gt;&lt;strong&gt;Firm Sale Required:&lt;/strong&gt; Most lenders require a firm sale on the current property to consider bridge financing.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Expert Guidance:&lt;/strong&gt; Different lenders offer varying rates and terms. Expert advice can save or cost clients significantly.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;Bridge financing, also known as an interim mortgage, is a short-term loan that helps buyers bridge the gap between selling their current home and purchasing a new one. It allows the buyer to use the equity in their current home as a down payment on their new home.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Bridge financing is most common in competitive real estate markets, and is often used when the buyer needs to make a quick decision on a new home. The loan is typically paid off when the buyer sells their current home.&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Loan term&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Bridge loans are usually for a maximum of 90 days, but can range up to 12 months or longer.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Interest rates&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Bridge loans usually have higher interest rates than mortgages because they are short-term. The rate is often between the prime rate + 2% and the prime rate + 3%.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Collateral&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Bridge loans are secured against the current property.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Lenders&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;The lender that provides the new mortgage typically also provides the bridge loan, but a second lender may be used if the primary lender doesn't offer bridge financing.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Documents&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;To qualify for bridge financing, you'll usually need a copy of the sale agreement for your current home and the purchase agreement for your new home.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;If you have questions please reach out to your mortgage broker.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
      <enclosure url="https://shelleycorley.ca/wps/rest/63857/blog/uwoi/uwoiqbuxuxtp.jpeg" type="image/jpeg" />
      <pubDate>Mon, 06 Jan 2025 21:07:06 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/what-is-bridge-financing-and-how-does-it-work-8374770</guid>
      <dc:date>2025-01-06T21:07:06Z</dc:date>
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    <item>
      <title>Christmas For Calgary</title>
      <link>https://shelleycorley.ca/blog.html/christmas-for-calgary--8356818</link>
      <description>&lt;div data-type="embed" class="bv3-embed"&gt;&lt;table role="presentation" cellpadding="0" cellspacing="0" width="100%"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td&gt;&lt;div id="m_-7047219218195105318hs_cos_wrapper_module_17019678633621" style="color: inherit; font-size: inherit; line-height: inherit;"&gt;&lt;div id="m_-7047219218195105318hs_cos_wrapper_module_17019678633621_" style="color: inherit; font-size: inherit; line-height: inherit;"&gt;&lt;p style="margin: 0px; font-size: 15px; line-height: 18.75px;"&gt;Excel Homes is excited and proud to announce that we will once again be partnering with the &lt;a href="https://info.excelhomes.ca/e3t/Ctc/2J+113/ctyKX04/VXczq57ym09QN3-yHDwxvvPvW4HyYrL5p9GdjN3pwdDj3lYMRW69sMD-6lZ3m-W3KW7cv32YHBGW7BgLRM4yVSyQW5Sbhmv1WnPqgW5rDg5r1Hq60hW1psFsn49nQQnW7h2kZS1YxpyJW5wBS3n5B2dk8M85knYxKTp4N3w7hfS6h6DfW4DGMBN7Ppk3MW8CRG8B23wFnLW3bWVLY7XLJFbW7jwFmc1Mbm6BW8srBqC4pfh9WW40Pfbj1RXtGhVLRjFp8-54d-W3_bqy61YDBprLlrx8tKRRVW3qzy1q7HkdM_W6sm_RV1RLbzDf4W5C2x04" rel="noopener" target="_blank" data-saferedirecturl="https://www.google.com/url?q=https://info.excelhomes.ca/e3t/Ctc/2J%2B113/ctyKX04/VXczq57ym09QN3-yHDwxvvPvW4HyYrL5p9GdjN3pwdDj3lYMRW69sMD-6lZ3m-W3KW7cv32YHBGW7BgLRM4yVSyQW5Sbhmv1WnPqgW5rDg5r1Hq60hW1psFsn49nQQnW7h2kZS1YxpyJW5wBS3n5B2dk8M85knYxKTp4N3w7hfS6h6DfW4DGMBN7Ppk3MW8CRG8B23wFnLW3bWVLY7XLJFbW7jwFmc1Mbm6BW8srBqC4pfh9WW40Pfbj1RXtGhVLRjFp8-54d-W3_bqy61YDBprLlrx8tKRRVW3qzy1q7HkdM_W6sm_RV1RLbzDf4W5C2x04&amp;amp;source=gmail&amp;amp;ust=1733430786684000&amp;amp;usg=AOvVaw0UnAyLUn8iwIqnilxbfHwe" style="color: rgb(157, 173, 228); cursor: pointer; text-decoration: underline;"&gt;Calgary Firefighter’s Association&lt;/a&gt; for their Annual Toy Drive for the 2024 Holiday Season! The Calgary Firefighters Toy Association is a volunteer-led organization that was first launched in the 1940s when firefighters cleaned and repaired used toys to donate to underprivileged kids. For more than 50 years, Calgary firefighters have volunteered their time to keep this tradition alive for children who are less fortunate.&lt;/p&gt;&lt;p style="margin: 0px; font-size: 15px; line-height: 18.75px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;p style="margin: 0px; font-size: 15px; line-height: 18.75px;"&gt;This year, The Calgary Firefighters Toy Association is asking for support from the community and for donations of new, unused toys for families that are struggling financially. The toy drive accepts individual donations of new, unwrapped toys for children 12 and under.&lt;/p&gt;&lt;p style="margin: 0px; font-size: 15px; line-height: 18.75px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;p style="margin: 0px; font-size: 15px; line-height: 18.75px;"&gt;From now until December 19th, we encourage you to drop off new unwrapped toys or cash donation at any one of our 10 show home locations across Calgary &amp;amp; Airdrie to help support families in need this holiday season. Cash donations will be accepted online until December 24th. For more information, click &lt;a href="https://info.excelhomes.ca/e3t/Ctc/2J+113/ctyKX04/VXczq57ym09QN3-yHDwxvvPvW4HyYrL5p9GdjN3pwdDj3lYMRW69sMD-6lZ3q2W3kJlqq4DR-KFW3WbKtW5QSsNbW55zrVF4LqyKrN7_R9l92nwd4W1bj0l38PzNyHW6qPLdJ74qmZDN2GsfNSy5hqTW42Tp9Y47p8QxVy4ZlK8X60LmW5wzJsY4QYWWSN8zXpK8xHsGtW8kmKB74MZctrW5knqv368Hhw7VgpjGc6jnmRhW6pyDB97JDG0lW4zcTgZ1V5XmgW9jL-P96YS8yjV3-xNn7h3_wQW67KLTh2z9qwXW3MvMx449ksnqf1bCQhb04" rel="noopener" target="_blank" data-saferedirecturl="https://www.google.com/url?q=https://info.excelhomes.ca/e3t/Ctc/2J%2B113/ctyKX04/VXczq57ym09QN3-yHDwxvvPvW4HyYrL5p9GdjN3pwdDj3lYMRW69sMD-6lZ3q2W3kJlqq4DR-KFW3WbKtW5QSsNbW55zrVF4LqyKrN7_R9l92nwd4W1bj0l38PzNyHW6qPLdJ74qmZDN2GsfNSy5hqTW42Tp9Y47p8QxVy4ZlK8X60LmW5wzJsY4QYWWSN8zXpK8xHsGtW8kmKB74MZctrW5knqv368Hhw7VgpjGc6jnmRhW6pyDB97JDG0lW4zcTgZ1V5XmgW9jL-P96YS8yjV3-xNn7h3_wQW67KLTh2z9qwXW3MvMx449ksnqf1bCQhb04&amp;amp;source=gmail&amp;amp;ust=1733430786684000&amp;amp;usg=AOvVaw0izWV9fjzkyHMsS9BY_rlv" style="color: rgb(157, 173, 228); cursor: pointer; text-decoration: underline;"&gt;here&lt;/a&gt;.&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;div data-type="embed" class="bv3-embed"&gt;&lt;table role="presentation" cellpadding="0" cellspacing="0" width="100%"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td&gt;&lt;div id="m_-7047219218195105318hs_cos_wrapper_module_17019685832822" style="color: inherit; font-size: inherit; line-height: inherit;"&gt;&lt;table role="none" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-spacing: 0px; border-collapse: collapse; vertical-align: top;"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td align="center"&gt;&lt;p style="margin: 0px auto; font-size: 1px; border-top: 4px dotted rgb(255, 180, 71); width: 450px;"&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;div data-type="embed" class="bv3-embed"&gt;&lt;table role="presentation" width="100%" cellpadding="0" cellspacing="0"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td align="center" valign="top"&gt;&lt;img alt="DropOff_Locations_1000x500" src="https://ci3.googleusercontent.com/meips/ADKq_NZHgmsR7YruAH6pCBEwMDO3dRJxpYNXViqA1cG84SLo9M3FEAvIwhHrOgzRUkSuMeRk11y_Ps-cc46zkzc2_PfsrBvSIPcap11uKLPi0zX_6KI5j-yhYdgfvYvidj3fUuDa_UtWEOkTMogyQ7GnMwQ-G44j3L0RWNZBqgh6H5oDDP_lW6Wtz07wDatyrMvikZluO349tn4t=s0-d-e1-ft#https://info.excelhomes.ca/hs-fs/hubfs/DropOff_Locations_1000x500.jpg?width=1200&amp;amp;upscale=true&amp;amp;name=DropOff_Locations_1000x500.jpg" width="600" align="middle" class="CToWUd a6T" data-bit="iit" tabindex="0" style="cursor: pointer; outline: none; text-decoration: none; max-width: 100%; font-size: 16px;"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
      <enclosure url="https://iss-cdn.myrealpage.com/l9MESwgyPixsABaBudiIA8bGy3jA0W6NWyh-lh1JmHE/rs:auto:0:0:0/g:sm/bG9jYWw6Ly9maWxlOi8vL2RhdGEtZWZzLWltYWdlcy9hcHAvYmxvZy9oL3IvbS93L2hybXcvaHJtd2tzamlhc2J1LmpwZWc_dD0xNzMzMzQ4OTE5Njkz" type="image/jpeg" />
      <pubDate>Wed, 04 Dec 2024 21:48:52 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/christmas-for-calgary--8356818</guid>
      <dc:date>2024-12-04T21:48:52Z</dc:date>
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    <item>
      <title>Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners!</title>
      <link>https://shelleycorley.ca/blog.html/refinancing-your-mortgage-can-be-a-smart-financial-move-for-many-reaso-8335407</link>
      <description>&lt;p class="block-p" style="text-align: start"&gt;Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For some, it’s about unlocking the equity in their home to fund renovations or cover big expenses like college tuition. For others, it’s an opportunity to consolidate debt, lower their interest rate, or change up their mortgage product.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Let’s take a closer look at some of the ways refinancing your mortgage can help!&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Get a Better Rate: &lt;/strong&gt;As interest rates have continued to decrease with the Bank of Canada updates these past few months, now is a great time to consider refinancing for a better rate and lower overall mortgage payments! &amp;nbsp;Experts anticipate the Bank of Canada will move to have the overnight rate down to 4.0% at year-end and potentially down to 2.75% next year.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Consolidate Debt: &lt;/strong&gt;When it comes to renewal season and considering a refinance, this is a great time to review your existing debt and determine whether or not you want to consolidate it onto your mortgage. In most cases, the interest rate on your mortgage is less than you would be charged with credit card companies or other forms of financing you may have. Plus, having all your debt consolidated into a single payment can keep you on track!&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Unlock Your Home Equity: &lt;/strong&gt;Do you have projects around the house you’ve been dying to get started on? Need funds for a large purchase such as a new vehicle or post-secondary education? When you are looking to renew your mortgage, it is a great opportunity to consider refinancing in order to take advantage of the home equity you have built up to help with these larger changes in your life!&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Change Your Mortgage Product: &lt;/strong&gt;Are you unhappy with your existing mortgage product? If you have a variable-rate or adjustable-rate mortgage, you may be considering locking it in at the lower rates. Alternatively, you may want to switch your current fixed-rate mortgage to a variable option with the interest rates expected to continue decreasing into 2025. You can also utilize your refinance to take advantage of a different payment or amortization schedule to help pay off your mortgage faster!&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p" style="text-align: start"&gt;PLUS! Some latest changes by the Government of Canada will make it even easier for you when it comes to your renewal and refinancing options:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Those of you who may have an uninsured mortgage will no longer have to pass the stress test as of November 21st. This means that you have more flexibility when it comes to rates and mortgage products in renewal or refinance cases in cases where you wish to switch lenders without adding additional funds to your mortgage!&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Beginning January 15, the federal government will allow default-insured mortgages to be refinanced to build a secondary suite. If you’ve been considering adding a suite to your property, you may be eligible to access up to 90% of your home’s equity for this purpose.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;published By Danica De Souza&amp;nbsp; Mortgageline Mortgage Architects&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 12 Nov 2024 20:35:54 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/refinancing-your-mortgage-can-be-a-smart-financial-move-for-many-reaso-8335407</guid>
      <dc:date>2024-11-12T20:35:54Z</dc:date>
    </item>
    <item>
      <title>Buying a second Home</title>
      <link>https://shelleycorley.ca/blog.html/buying-a-second-home-8333838</link>
      <description>&lt;p class="block-p"&gt;Clients often ask if they need a 20% down payment to buy another home, and the answer is, 'it depends'.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;If they are purchasing a property for rental or investment purposes, then yes, they'll typically need a minimum 20% down payment.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;However, if they are converting their current home into a rental property and buying another home for themselves to live in, they can put down a minimum again.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;One program that many overlook is how to buy a second home with as little as 5% down.&lt;br&gt;&lt;br&gt;Here's how it works:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;The property needs to be owner-occupied, meaning they or immediate family members will use it.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;It must make sense, such as a second home in a different city for work, leisure, or family to live in. Lenders will be vigilant if it seems like they are trying to use this program to buy a rental property without a 20% down payment.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;The purchase price needs to be under $500,000 to qualify for 5% down or under $1 million for the minimum down payment.&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Hypothetical rental income (or Airbnb income) cannot be used to qualify since the property is for owner-occupied use only. Even if family members are renting from them, the rent won't be considered. This means they have to qualify for both their first home and this new second home without rental income.&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;For more information contact&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Jayden Backs&lt;/p&gt;&lt;p class="block-p"&gt;BRX Mortgages&lt;/p&gt;&lt;p class="block-p"&gt;403-370-9020&lt;/p&gt;&lt;p class="block-p"&gt;jayden@jaydenbacks.ca&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;br&gt;&lt;br&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Fri, 08 Nov 2024 16:44:33 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/buying-a-second-home-8333838</guid>
      <dc:date>2024-11-08T16:44:33Z</dc:date>
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    <item>
      <title>Oct. 18, 2024 | CREB</title>
      <link>https://shelleycorley.ca/blog.html/oct-18-2024-creb-8328713</link>
      <description>&lt;h1 style="text-align: start"&gt;&lt;strong&gt;Understanding down payments and deposits&lt;/strong&gt;&lt;/h1&gt;&lt;p class="block-p"&gt;Buying a home can be a complex financial journey. If you plan to get a mortgage, you’ll hear about the need for a down payment, but your REALTOR®will also mention a deposit.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Are these two terms the same? Let’s clarify the difference between a deposit and a down payment and their impact on your path to homeownership. Whether you’re a first-time buyer or looking to refine your strategy, grasping these concepts will help you make informed decisions and succeed in the housing market. Let’s dive in!&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;What is a down payment?&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;A down payment is the amount of money a buyer must provide independently of the mortgage loan. Sources for a down payment can include:&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Savings&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Investments&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Gifts from family*&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Borrowed funds**&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;&lt;em&gt;Note:&lt;/em&gt;&lt;/strong&gt;&lt;em&gt; If using gifted funds, the lender requires a gift letter. The funds should first be deposited into the buyer's account before being used as a deposit or down payment. Inheritance funds come with different requirements that depend on the lender.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;/em&gt;&lt;strong&gt;*Note:&lt;/strong&gt; In some cases, lenders may allow borrowing against personal lines of credit or other properties.&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;How much should I save for a down payment?&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;In Canada, most lenders require a down payment of 20 per cent of the purchase price. However, insured mortgages allow for down payments as low as 5 per cent. While the minimum down payment is 5 per cent, lenders typically expect an additional 1.5 per cent saved to cover legal fees and other associated costs, including:&amp;nbsp;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Appraisal fees&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Home inspection fees&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Title insurance&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Why do I need to give a deposit when making an offer?&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;A deposit is not the same as a down payment and usually doesn’t constitute the entire down payment amount. It serves as a security measure for the seller, ensuring that if the buyer does not complete the purchase, the seller is compensated for their potential loss. In short, your deposit signals to the seller that your offer is serious.&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Does my deposit count toward my down payment?&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Yes, it does. However, the lender will need to track a 90-day history of where the deposit originated in addition to the down payment. For instance, the lender will request 90-day bank statements from the account where the deposit is held. They will need to see a record of the deposit leaving your account (as part of the down payment) and a record of the selling brokerage receiving the deposit.&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;How does my deposit contribute to my down payment?&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;When your file is conveyed at the law office, the lawyer will request the deposit from the seller’s brokerage. This deposit will then be included in the total purchase funds.&amp;nbsp;&lt;br&gt;&lt;br&gt;Now that we've clarified the differences between down payments and deposits let’s explore some scenarios, starting with Ideal Camille.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;strong&gt;Scenario 1: Ideal Camille&amp;nbsp;&lt;br&gt;&lt;/strong&gt;&lt;br&gt;Imagine Ideal Camille, who, with the assistance of her REALTOR®, finds a home listed at $400,000. For a 20 per cent down payment, Camille has saved $80,000 for which she can provide her lender with a 90-day transaction history. She is pre-approved for a mortgage to finance the remainder of the purchase.&amp;nbsp;&lt;br&gt;&lt;br&gt;To strengthen her offer, Camille and her REALTOR®&amp;nbsp;include a $20,000 deposit. Once the seller accepts the offer, Camille delivers the deposit to the seller’s brokerage and receives a Receipt of Funds, she then provides her lender with confirmation that the deposit has been received by the listing brokerage. This ensures the lender recognizes that $20,000 will be applied to her $80,000 down payment.&amp;nbsp;&lt;strong&gt;&lt;br&gt;&lt;br&gt;Scenario 2: Gift Cliff&amp;nbsp;&lt;br&gt;&lt;/strong&gt;&lt;br&gt;Not every transaction is as straightforward as Ideal Camille’s. Take Gift Cliff, who is eager to purchase a $300,000 home. He receives a $15,000 down payment gift from his father, which is only 5 per cent of the purchase price, necessitating an insured mortgage. Excited about the home, Cliff instructs his REALTOR®&amp;nbsp;to include the entire $15,000 as a deposit in his offer.&amp;nbsp;&lt;br&gt;&lt;br&gt;Once his offer is accepted, the $15,000 deposit is sent to the selling brokerage. Cliff must inform his lender that his down payment will come from this deposit and advise that the deposit was received by the listing brokerage. He also communicates to his lender that the deposit was a gift from his father, prompting the lender to request a gift letter and outline the necessary details for the letter.&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;Down payment and deposit pro-tips:&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;ol&gt;&lt;li&gt;&lt;p class="block-p"&gt;If any portion of your deposit or down payment is a gift or borrowed, consult your mortgage broker regarding the lender's policies on these funds. Some lenders accept gifted funds from anyone, while most require them to be from a direct family member.&amp;nbsp;&lt;br&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Lenders are becoming stricter about tracking the source of funds for down payments. Be prepared to provide at least 90 days of financial history for all funds used for your deposit and down payment.&amp;nbsp;&lt;br&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Avoid transferring large sums in and out of the account, instead holding your down payment during the purchasing process. Any large transfers must have complete records detailing where the money came from, where it’s going, and why. Due to Canada’s strict anti-money laundering policies, it's essential to maintain clear documentation of transactions. The best practice is to keep your down payment in a separate account designated solely for your home purchase.&amp;nbsp;&lt;/p&gt;&lt;/li&gt;&lt;/ol&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 04 Nov 2024 16:24:01 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/oct-18-2024-creb-8328713</guid>
      <dc:date>2024-11-04T16:24:01Z</dc:date>
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      <title>Nov. 01, 2024 | CREB</title>
      <link>https://shelleycorley.ca/blog.html/nov-01-2024-creb-8328712</link>
      <description>&lt;h1 style="text-align: start"&gt;&lt;strong&gt;Supply levels improving for higher-priced homes&lt;/strong&gt;&lt;/h1&gt;&lt;p class="block-p" style="text-align: start"&gt;Sales gains for homes priced above $600,000 offset declines at the lower end of the market, resulting in October sales that were similar to last year. The 2,174 sales in October increased over September and stood 24 per cent above long-term trends for the month.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;“Housing demand has stayed relatively strong in our market as we move into the fourth quarter, with October sales rising over last month,” said Ann-Marie Lurie, Chief Economist at CREB®. “However, activity would likely have been stronger if more supply choices existed for lower-priced homes. Supply levels in our market are improving relative to the ultra-low levels experienced last year, but much of the gains have been driven by higher-priced units for each property type. This results in conditions far more balanced in the upper end of the market versus the seller's market conditions in the lower to mid-price ranges of each property type.”&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The gains in new listings relative to sales over the past six months have supported inventory gains in the city. As of October, 4,966 units were available, a significant improvement over the near-record low of 3,205 units reported last October. While inventories are starting to reach levels more consistent with long-term trends, the inventory composition has changed as nearly half of all the residential inventory is now priced above $600,000.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Adjustments in supply are helping move the market away from the tight market conditions experienced in the spring. However, conditions remain relatively tight, with 2.3 months of supply and a 67 per cent sales-to-new listings ratio, and the months of supply does vary significantly by price range and property type. For example, detached homes priced below $700,000 are reporting less than two months of supply, while homes priced over $1,000,000 are reporting over three months of supply. This is likely resulting in different price pressures depending on price range and property type.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Overall, the total residential benchmark price was $592,500 in October, over four per cent higher than last October and on a year-to-date basis, averaging over eight per cent higher than last year's levels. The unadjusted benchmark prices did ease slightly over last month due to seasonal factors, as seasonally adjusted prices remained relatively stable in October compared to September.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;Detached&lt;br&gt;&lt;/strong&gt;Home sales rose to 1,071 in October, a gain over last month and nearly 10 per cent higher than last year. While new listings were higher than last year, they slowed over last month, causing the sales to new listings ratio to rise to 69 per cent and preventing any further monthly gain in inventory levels. With 2,199 units available, the months of supply remained near two months, a gain over the under two months reported last year at this time, but slightly lower than last month.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The unadjusted detached benchmark price was $753,900 in October, slightly lower than last month but still eight per cent higher than levels reported last October. Additional supply choices in the higher price ranges have taken some of the pressure off home prices. However, the recent monthly pullbacks are more related to seasonal conditions, as seasonally adjusted prices have remained relatively stable over the past three months.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;Semi-Detached&lt;br&gt;&lt;/strong&gt;Sales in October rose over last month and were over six per cent higher than levels reported last year at this time, contributing to the year-to-date growth of over three per cent. New listings for semi-detached homes have also been on the rise, supporting some steady gains in inventory levels. The shift in supply compared to demand has helped push the market toward more balanced conditions, especially for higher-priced properties. However, with only two months of supply, the overall conditions still favour the seller.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The unadjusted benchmark price was $677,000 in October, similar to last month and over eight per cent higher than last year. Year-to-date prices have averaged an over 11 per cent gain.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Row&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Following a strong start to the year, sales activity has slowed since June. However, the pullback in sales is not due to a shift in demand but related to supply constraints. The declines in sales have been driven by homes priced under $400,000, the same segment of the market which reported a 35 per cent decline in new listings. Year-to-date sales have remained relatively stable compared to last year, as pullbacks in the lower range offset the gains in the upper price ranges. Over 70 per cent of the sales have occurred over $400,000, a significant shift from last year, where the upper end accounted for 47 per cent of all the sales.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Improvements in supply did cause the months of supply to push above two months in October, the first time that has happened since the end of 2021. Supply growth, especially in the upper price ranges, has helped take some pressure off prices. However, with an unadjusted benchmark price of $456,600, prices are still over eight per cent higher than last October and year-to-date, which have averaged an increase of nearly 16 per cent.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Apartment Condominium&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;While sales in October improved over last month, October marks the fifth consecutive month with a year-over-year decline. However, it is important to note that the 6,782 sales so far this year are only down slightly over last year's record high and nearly double the number of sales we have averaged over the previous decade. Higher lending rates, rising rents, and limited supply choices for lower-priced properties have fuelled demand for apartment condominiums. However, like other property types, sales declines were driven by pullbacks for lower-priced units due to a significant drop in supply. Inventory levels in October did rise over the previous year, with most of the gains occurring in the $300,000 - $500,000 range, supporting more balanced conditions in those price ranges. Meanwhile, conditions remained relatively tight for lower-priced condominiums.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The additional supply choices, especially in the higher ranges of the condominium market, are taking some of the pressure off prices. In October, the unadjusted benchmark price was $341,700, down over last month but still 11 per cent higher than last year's levels. While much of the monthly decline can be attributed to seasonal factors, areas with a relatively high number of newly constructed and completed projects are impacting resale activity, resulting in a slightly higher monthly decline. Nonetheless, on average, year-to-date prices are nearly 17 per cent higher than levels reported last year.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;REGIONAL MARKET FACTS&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;strong&gt;Airdrie&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;While both sales and new listings improved over the levels reported last October, the monthly pullback in new listings was enough to cause the sales-to-new-listings ratio to rise over last month, reaching 67 per cent. While this slowed the growth in monthly inventory levels, the 365 units in inventory is a significant gain over the exceptionally low levels of 213 reported last year at this time. Following three consecutive years of low inventory levels, recent gains are helping shift the market toward more balanced conditions.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;A shift away from the extreme sellers’ market has reduced the pressure on home prices. The unadjusted benchmark price was down over last month in October, but it was still five per cent higher than last October. Some of the monthly decline is related to seasonal factors, as seasonally adjusted data indicates prices remained relatively stable over the past four months.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Cochrane&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Sales this month improved over last year, keeping above long-term trends for the town. At the same time, new listings also improved, reporting the highest October total on record. Recent gains in new listings relative to sales have helped support some steady gains in inventory levels. However, with 178 units available in October, inventories are still below long-term trends, keeping the months of supply relatively low at 2.3 months.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;While conditions are not as tight as in the spring, the shift is slowing the pace of price growth. The unadjusted benchmark price in October was slightly lower than last month but still six per cent higher than last year's levels. Overall year-to-date average benchmark prices are over nine per cent higher than last year's levels.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Okotoks&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Sales in October improved over last year's levels as recent gains in new listings provided choices for many buyers struggling with supply options. While the sales gain relative to new listings prevented further monthly gains in inventory levels, the 103 units available in October significantly improved over the near-record low of 66 units reported last October.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;With less than two months of supply, conditions continue to favour the seller. The persistent seller market conditions have driven price growth in this market throughout most of the year. While unadjusted prices did ease slightly over last month in October, levels are still over six per cent higher than last October and over eight per cent higher on a year-to-date basis.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://www.creb.com/Housing_Statistics/documents/10_2024_Calgary_Monthly_Stats_Package.pdf" data-type="link"&gt;Click here&lt;/a&gt;&amp;nbsp;to view the full City of Calgary monthly stats package.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;a target="_blank" rel="" href="https://www.creb.com/Housing_Statistics/documents/10_2024_Regional_Monthly_Stats_Package.pdf" data-type="link"&gt;Click here&lt;/a&gt;&amp;nbsp;to view the full Calgary region monthly stats package.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 04 Nov 2024 16:09:45 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/nov-01-2024-creb-8328712</guid>
      <dc:date>2024-11-04T16:09:45Z</dc:date>
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      <title>Fall Home Maintenance Tips</title>
      <link>https://shelleycorley.ca/blog.html/fall-home-maintenance-tips-8306664</link>
      <description>&lt;h1&gt;&lt;/h1&gt;&lt;p class="block-p"&gt;Fall is a good time to do some home repairs and maintenance so you can keep warm and dry during the long winter months. After all, every home needs a little TLC to maintain its value and keep the homeowner comfortable.  &amp;nbsp;&lt;/p&gt;&lt;h2&gt;Exterior maintenance&amp;nbsp;&lt;/h2&gt;&lt;p class="block-p"&gt;Keeping the exterior of your home in good condition not only helps it look good, but can also save you money and the headaches that go along with a neglected exterior.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Foundation&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;Your foundation needs special attention to prevent water from seeping in as the weather warms up and during thaws. Inspect it thoroughly, both inside and out. If you see cracks that are more than 0.3 cm wide, or any signs of efflorescence (white deposits), seepage, or humidity, ask a professional to look into the matter.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Roof&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;&lt;a target="_blank" rel="" href="https://www.caaquebec.com/en/at-home/guides/reshingling-your-roof/evaluating-the-condition-of-your-roof" data-type="link"&gt;&lt;strong&gt;Assess the condition of your roof&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;or have a roofing professional inspect it to ensure that it's ready for winter. Make sure the seals around the chimney, skylights, and vents are in good condition and that there are no missing or loose shingles.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Gutters&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;Clean gutters and downspouts and replace damaged sections. It may be a good idea to install leaf guards that allow water to go through while preventing leaves and other debris from accumulating. Gutters are designed to keep rainwater away from the house so if your gutter is blocked, water can overflow onto your property and even seep into the basement. The grading around your house also helps drain run-off water from the foundation. Make sure you have a small slope that runs for at least 1.8 m from the house.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Driveway, yard, and porch&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;Repair cracks in sidewalks, steps, and driveways with concrete or special-purpose sealant to prevent damage during winter. Store summer equipment (lawn mowers, leaf blowers, gardening tools) and prepare winter equipment (shovels, snow blowers, etc.). Clean, repair, and store your patio furniture and barbecue for next spring.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Outdoor faucet&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;If your home has a frost-free outdoor faucet, remove the garden hose and make sure the faucet is completely turned off. If you have a standard faucet, drain it to prevent it from bursting when temperatures dip below freezing.&amp;nbsp;&lt;/p&gt;&lt;h2&gt;Interior maintenance&amp;nbsp;&lt;/h2&gt;&lt;p class="block-p"&gt;Fire prevention, water damage, and energy efficiency should be your top priorities when preparing your home's interior for winter.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Sealing and insulation&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;As there’s more precipitation than normal in the fall and winter, &lt;a target="_blank" rel="" href="https://www.nrcan.gc.ca/energy-efficiency/homes/make-your-home-more-energy-efficient/keeping-the-heat/section-8-upgrading-windows-and-exterior-doors/15643?_ga=2.236987584.1108338192.1625150726-725061828.1625150726" data-type="link"&gt;&lt;strong&gt;check the airtightness of your doors and windows&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;to prevent water seepage. Airtight doors and windows could also help reduce your electricity bill. If necessary, add weatherstripping or caulking.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Plumbing&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;Water damage is a real nuisance for properties as it may uncover hidden issues such as mould. Make sure your pipes and everything around them is dry: the pipes under your sinks, washing machine and dishwasher inlet hoses, and the floor around toilets, the washing machine, dishwasher, and water heater. Further, water heaters have a limited lifespan, which is generally around 10 years. It’s therefore necessary to pay particular attention to it (leaks, corrosion, seepage, etc.) and plan its replacement in the short term.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;If you really want to reduce the risk of water damage, there are now leak detection systems that automatically close the water intake valve when a leak is detected. No more leaks, thanks to detectors installed close to your home's major plumbing appliances!&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Heating and fireplace&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;Check the condition of your heating system and fireplace. To ensure optimal performance, have your heating systems inspected by a licensed professional, especially if you notice any signs of malfunction such as a noisy belt.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;br&gt;If you have a fireplace or wood-burning appliance, it's important to have your chimney swept at least once a year to remove creosote and blockages. A buildup of creosote can result in a chimney fire, and blockages can put you at risk of carbon monoxide poisoning.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Humidifier&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;If you use a humidifier to make the air in your room less dry and comfortable during the winter, &lt;a target="_blank" rel="" href="https://www.wikihow.life/Clean-Out-a-Humidifier" data-type="link"&gt;&lt;strong&gt;be sure to clean your unit and its filter&lt;/strong&gt;&lt;/a&gt;, or replace the filter as needed, to prevent the growth of bacteria and mould buildup.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Ceiling fan&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;To reduce your heating costs in winter, reverse the direction of your fan blades to create an upward draft helping to better distribute warm air from the ceiling. During winter, the blades should be turned clockwise.&amp;nbsp;&lt;/p&gt;&lt;h3&gt;Smoke and carbon monoxide detectors&amp;nbsp;&lt;/h3&gt;&lt;p class="block-p"&gt;Make sure the smoke and carbon monoxide detectors in your home are working properly—clean them and replace the batteries once a year. Better yet, install detectors with a 10-year lifespan to avoid the yearly replacement of batteries.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Finally, give your home a thorough cleaning. Get rid of the things you no longer need such as newspapers and old household cleaning products and chemicals to keep your home clean and safe.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 09 Oct 2024 16:29:16 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/fall-home-maintenance-tips-8306664</guid>
      <dc:date>2024-10-09T16:29:16Z</dc:date>
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      <title>6 Halloween Decor Trends That Will Be Huge in 2024</title>
      <link>https://shelleycorley.ca/blog.html/6-halloween-decor-trends-that-will-be-huge-in-2024-8293167</link>
      <description>&lt;p class="block-p" style="text-align: start"&gt;This year's spooky season is all about merging the macabre with the sophisticated.&lt;/p&gt;&lt;p class="block-p"&gt;By &lt;a target="" rel="" href="https://www.bhg.com/author/sophie-flaxman/" data-type="link"&gt;&lt;strong&gt;Sophie Flaxman&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Published on September 13, 2024&lt;/p&gt;&lt;p class="block-p"&gt;As the nights grow longer and the crispness of autumn fills the air, the moment has come to transform your sunny summer retreat into a spine-chilling spectacle filled with eerie delights. But this season, don't limit your &lt;a target="" rel="" href="https://www.bhg.com/halloween/parties/halloween-theme-parties/" data-type="link"&gt;Halloween decor&lt;/a&gt; to &lt;a target="" rel="" href="https://www.bhg.com/halloween/pumpkin-carving/how-to/" data-type="link"&gt;carved pumpkins&lt;/a&gt; and the classic black and &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/schemes/colors-that-go-with-orange/" data-type="link"&gt;orange color scheme&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;"I particularly love this time of year as it allows us to showcase our creativity with deep, rich colors, chilling decorations, and carved pumpkins,” says Dayna Isom Johnson, &lt;a target="_blank" rel="" href="https://www.etsy.com/" data-type="link"&gt;Etsy&lt;/a&gt;’s trend expert. "This year, however, it seems some new trends are emerging."&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Whether you're aiming for a haunted house ambiance or prefer a more refined approach, this year's &lt;a target="" rel="" href="https://www.bhg.com/2023-halloween-decor-trends-8351283" data-type="link"&gt;Halloween decor trends&lt;/a&gt; embrace a balance between tradition and innovation, inviting you to create a space that’s as captivating as it is spooky.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;Impress with Gothic Glamor&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;If you're looking to make Halloween feel a little more glam, look no further than gothic glamor. This style fuses the mystery and drama of Gothic architecture with&lt;em&gt; &lt;/em&gt;the luxury and elegance of &lt;a target="" rel="" href="https://www.bhg.com/decorating/decorating-style/traditional/dramatic-modern-victorian-decor-ideas/" data-type="link"&gt;Victorian-era opulence&lt;/a&gt;&lt;em&gt;, &lt;/em&gt;enabling you to balance eerie elements with high-end sophistication. “It’s a celebration of the macabre with an elegant twist,” says Johnson, who explains that a &lt;a target="" rel="" href="https://www.bhg.com/decorating/color/colors/decorate-with-jewel-tones/" data-type="link"&gt;dark jewel color palette&lt;/a&gt; and rich texture are central to the gothic glamor trend. Think rich purple, ruby red, velvety black, and midnight blue in sumptuous velvet and silk draped across windows or embellishing your living room and table settings.&lt;br&gt;&lt;br&gt;You're halfway there if you already own Gothic or Victorian-style antique furniture. Accessorize with antique picture frames, dark glassware, gold or silver accents, and macabre motifs, such as skulls, black roses, and gothic-inspired art. Set the mood with flickering candles that cast animated shadows and a hauntingly beautiful glow.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;Play Up the Nostalgia Factor&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;According to Johnson, this year is all about celebrating the history and traditions of Halloween from 1920 to 1960. This trend is perfect for those looking to evoke the spirit of Halloween's past with elegance and a hint of mystery. “Think childhood nostalgia with caramel apple-scented candles, vintage decorations, and classic ghost motifs,” she says. Introduce old-school Halloween motifs around the house—witches, black cats, and &lt;a target="" rel="" href="https://www.bhg.com/halloween/pumpkin-carving/free-face-stencils-for-pumpkin-carving/" data-type="link"&gt;jack-o’-lanterns&lt;/a&gt;—on die-cut decor, banners, and posters. Bring an authentic, eerie look with antiquities, such as weathered lanterns, wrought iron candelabras, aged books, and old-fashioned apothecary jars filled with creepy crawlies and witches potions. Handmade elements, such as carved wooden pumpkins and homemade garlands, echo the simplicity and craftsmanship of earlier times and expose a cozy and rustic side of Halloween.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;Harvest Your Halloween Decor&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Harvest Halloween decor from your back garden or local garden center. “Dark, moody florals paired with bare, eerie-shaped branches add a haunting beauty to planters,” says Amy Courtney, interior designer and founder of &lt;a target="_blank" rel="" href="https://www.amycourtneydesign.com/about-1" data-type="link"&gt;Amy Courtney Design&lt;/a&gt;. “Go for something like a smoke bush and big imposing planters to create a dark, dramatic feel.” Instead of lining your porch with the predictable yet iconic symbol of Halloween—the orange pumpkin—Courtney suggests &lt;a target="" rel="" href="https://www.bhg.com/gardening/vegetable/vegetables/types-of-gourds/" data-type="link"&gt;decorating with gourds&lt;/a&gt; in shades of cream, sage, deep greens, and soft browns for an understated yet festive look.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;a target="" rel="" href="https://www.bhg.com/white-pumpkin-ideas-8349096" data-type="link"&gt;25 White Pumpkin Ideas That Add Elegance to Fall Decor&lt;/a&gt;&lt;/p&gt;&lt;h2 style="text-align: start"&gt;Embrace Witchcraft-Inspired Elements&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;“Witchy and celestial aesthetics are really in for 2024,” Courtney says. “I loved hanging hats last year, and now they're back, but with an elevated upgrade.” She particularly loves the woven black vine iteration by Terrain by Anthropologie, which has elevated the trend. “Hang them from your porch ceiling and pair them with a broomstick and green pumpkins, and you’ve got the perfect recipe for a magical Halloween setup.” Alternatively, drape 3-D bats across the front door to create a playful, spooky effect that sets the tone for the haunted house beyond.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;Frighten with Fantastical Features&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Escape reality by bringing your favorite fantastical scenes and characters to life this Halloween. The fantastical style is especially appealing in 2024 as it reflects a broader cultural shift towards nostalgia and fantasy, tapping into a collective yearning for adventure, mystery, and a curiosity for the unknown. To conjure an other-worldy atmosphere, Johnson suggests drawing on elements like ancient woodlands, fairy circles, and epic quests. Think deep green foliage, climbing ivy, and earthy textures that bring the enchanted woodlands indoors. Hint at a magical world with toadstools, mushrooms, twinkling fairy dust and lights, and figurines of mythical creatures. If one thing’s for sure, reality and fantasy collide with this trend, providing an immersive experience that captures the imagination and brings a touch of magic to Halloween decor.&lt;/p&gt;&lt;h2 style="text-align: start"&gt;Display a Halloween Village&lt;/h2&gt;&lt;p class="block-p" style="text-align: start"&gt;Halloween villages are flying off the shelves this season, becoming the latest must-have piece of Halloween decor. The &lt;a target="" rel="" href="https://www.bhg.com/christmas-village-display-ideas-6824243" data-type="link"&gt;miniature-themed displays&lt;/a&gt; feature intricately designed haunted houses, graveyards, and spooky figurines, making the perfect feature for a mantel or window sill for passers-by to admire. “Create a glowing Halloween village scene, but make it extra spooky,” says Courtney, who suggests adding moss, backlighting, or even a smoke machine to heighten the creep factor and truly bring the scene to life.&lt;/p&gt;</description>
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      <pubDate>Tue, 24 Sep 2024 17:18:19 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/6-halloween-decor-trends-that-will-be-huge-in-2024-8293167</guid>
      <dc:date>2024-09-24T17:18:19Z</dc:date>
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      <title>Aug. 14, 2024 | CREB</title>
      <link>https://shelleycorley.ca/blog.html/aug-14-2024-creb-8293166</link>
      <description>&lt;h1 style="text-align: start"&gt;&lt;strong&gt;The importance of representations and warranties&lt;/strong&gt;&lt;/h1&gt;&lt;p class="block-p" style="text-align: start"&gt;Representations are statements a buyer or seller makes about specific facts. Warranties are contractual promises made to one another regarding the existence or accuracy of specific facts, often relating to the contract.&amp;nbsp;&lt;/p&gt;&lt;h4 style="text-align: start"&gt;&lt;strong&gt;What do they look like?&amp;nbsp;&lt;/strong&gt;&lt;/h4&gt;&lt;p class="block-p" style="text-align: start"&gt;Representations and warranties are usually made by the seller. Here are some common examples:&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;1. Legal right to sell the property&amp;nbsp;&lt;/strong&gt;&lt;br&gt;The seller promises they have the legal right to sell the property.&amp;nbsp;&lt;br&gt;&amp;nbsp;&lt;br&gt;&lt;em&gt;Action: &lt;/em&gt;Check the title to ensure the names are correct and accurately spelled. Be aware of issues like estates, corporate sellers, or other legal encumbrances.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;strong&gt;2. Residency status for tax purposes&amp;nbsp;&lt;/strong&gt;&lt;br&gt;The seller confirms they are not a non-resident for the purposes of the Income Tax Act (Canada).&amp;nbsp;&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;em&gt;Action: &lt;/em&gt;Make note if you're meeting the seller in person or they are signing the contract from out of country. This can affect the timing of fund transfers, the ability to transfer title, and have tax implications on the buyer.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;strong&gt;3. No other legal claims to attached or unattached goods&amp;nbsp;&lt;/strong&gt;&lt;br&gt;The seller assures that no one else has a legal right to the included goods.&amp;nbsp;&lt;br&gt;&amp;nbsp;&lt;br&gt;&lt;em&gt;Action: &lt;/em&gt;Ask the seller about any debts, payments, or contracts related to items like alarms, furnaces, appliances, and water softeners.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;strong&gt;4. Compliance with land use and municipal laws&amp;nbsp;&lt;/strong&gt;&lt;br&gt;The seller states that the property complies with municipal land use bylaws and any restrictive covenants.&amp;nbsp;&lt;br&gt;&amp;nbsp;&lt;br&gt;&lt;em&gt;Action:&lt;/em&gt; Obtain a copy of the Real Property Report to ensure all structures are accounted for and comply with regulations.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;strong&gt;5. Proper location of buildings and improvements&amp;nbsp;&lt;/strong&gt;&lt;br&gt;The seller promises that buildings and improvements are correctly located and comply with relevant laws.&amp;nbsp;&lt;br&gt;&amp;nbsp;&lt;br&gt;&lt;em&gt;Action:&lt;/em&gt; Review the Real Property Report to check for any encroachments and ensure compliance with covenants and bylaws.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;strong&gt;6. Disclosure of material latent defects&amp;nbsp;&lt;/strong&gt;&lt;br&gt;The seller discloses any known hidden defects in writing.&amp;nbsp;&lt;br&gt;&amp;nbsp;&lt;br&gt;&lt;em&gt;Action: &lt;/em&gt;When touring the property, look for signs of defects and ask questions about any abnormalities.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;strong&gt;7. Disclosure of government notices and permits&amp;nbsp;&lt;/strong&gt;&lt;br&gt;The seller discloses any government notices and whether they have permits for any work done.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;&lt;em&gt;Action: &lt;/em&gt;Ask the seller about any notices and ensure they have permits for any developments on the property.&amp;nbsp;&lt;br&gt;&lt;br&gt;If you have any questions or concerns, please do not hesitate to contact Kahane Law Office, so they can assist you with your questions. Call &lt;a target="_blank" rel="" href="https://kahanelaw.com/" data-type="link"&gt;Kahane Law&lt;/a&gt; at 403-225-8810 or email at &lt;a target="" rel="" href="https://shelleycorley.ca/mailto:realestate@kahanelaw.com" data-type="link"&gt;realestate@kahanelaw.com&lt;/a&gt;.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 24 Sep 2024 17:02:56 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/aug-14-2024-creb-8293166</guid>
      <dc:date>2024-09-24T17:02:56Z</dc:date>
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      <title>7 tips to get your home ready for fall</title>
      <link>https://shelleycorley.ca/blog.html/7-tips-to-get-your-home-ready-for-fall--8293164</link>
      <description>&lt;p class="block-p"&gt;&lt;strong&gt;By Brian McKechnie Global News&lt;/strong&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Whether you’re ready for it or not, fall has arrived. As the days get shorter and the temperature more brisk, it’s time to put away the lawn furniture and get your house prepared for what’s in store over the next six months.&lt;/p&gt;&lt;div data-type="block-image" data-block="false" data-align="none" class="content-image"&gt;&lt;img src="https://d21y75miwcfqoq.cloudfront.net/70c8fc80" class="content-image" data-type="content-image"&gt;&lt;/div&gt;&lt;p class="block-p" style="text-align: start"&gt;Here are some tips on things you should do now to&amp;nbsp;help make your home more comfortable during fall (and winter). If you’re not comfortable handling&amp;nbsp;any of these tasks yourself, hire a professional to ensure you don’t get hurt or cause unnecessary damage to your home.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;1. Clean your eavestroughs and downspouts&lt;/h3&gt;&lt;p class="block-p" style="text-align: start"&gt;Anyone who watches &lt;a target="_blank" rel="" href="http://www.hgtv.ca/hosts/mike-holmes/?hostid=36939" data-type="link"&gt;&lt;strong&gt;Mike Holmes&lt;/strong&gt;&lt;/a&gt; knows that water is your home’s worst enemy. As leaves begin to fall they will undoubtedly fill your eavestroughs and downspouts, blocking water from making it off your roof and away from your house. While time-consuming, cleaning them out regularly until all the trees in your area are leaf-free is a good idea to help stop water from finding a&amp;nbsp;way inside.&lt;/p&gt;&lt;p class="block-p"&gt;Full gutters and downspouts are also an invitation for critters, who will nest in them before eventually attempting to get&amp;nbsp;into your attic and potentially causing a lot of damage.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;If you’re not comfortable cleaning them yourself, check with contractors in your area, as many offer services to do this for you. There’s also many products on the market that can be installed on your eavestroughs to keep leaves and critters out while still letting water through. Check with your local home improvement store or a local contractor for recommendations on what works best on homes in your area.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;2. Caulk around windows, doors and other openings&lt;/h3&gt;&lt;p class="block-p"&gt;Caulking around windows and doors prevents cold air from getting in and your conditioned inside air from getting out. Even if you &lt;a target="_blank" rel="" href="http://globalnews.ca/news/464227/6-tips-to-get-your-home-ready-for-spring/" data-type="link"&gt;&lt;strong&gt;did this in the spring&lt;/strong&gt;&lt;/a&gt;, it’s a good idea to do a perimeter check to see if you need to add more caulking in spots. Having a good seal around these openings will not only make your home more comfortable, but will also help you waste less energy and save you money.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Besides windows and doors, caulking around vents (such as your dryer and bathroom exhaust fan) and cables and pipes that run outside of your house is also a good idea.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;3. Check/replace weather stripping&lt;/h3&gt;&lt;p class="block-p" style="text-align: start"&gt;Weather stripping loses its effectiveness with age and needs to be replaced every few years. Do a visual check of the stripping around exterior doors and windows (including your garage door) and replace if it appears worn or cracked.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;4. Inspect your roof and chimney&lt;/h3&gt;&lt;p class="block-p" style="text-align: start"&gt;You’ll be very thankful if you catch&amp;nbsp;a problem with your roof now before water starts dripping on your head in the middle of a November downpour. The average lifespan of an asphalt shingled roof (the most common in North America) is between 15 and 20 years if installed properly. Factors such as critters, severe weather and whether you’re in a highly populated tree area will speed up the deterioration process.&lt;/p&gt;&lt;p class="block-p"&gt;From the outside look for signs of worn, loose or missing shingles and shingles with mold or rot on them. Check eavestroughs for granules from the shingles (a sign of heavy wear) and ensure that your eavestroughs and flashing (the metal lip between your shingles and eavestroughs) are securely attached. If you have a metal, tiled or roof with solar panels it’s best to have a professional do an inspection.&lt;/p&gt;&lt;p class="block-p"&gt;You should also inspect around vents for missing caulking and broken seals and do a visual check of your chimney to ensure there are no crumbling bricks or bird or squirrel nests inside.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;From inside your attic check the underside of your roof for water damage and holes. Also make sure there are no nests in your attic insulation and that vents in your soffits are not blocked. (Soffits connect&amp;nbsp;the&amp;nbsp;overhang of your roof to the top of your exterior walls and help&amp;nbsp;vent unconditioned attics. Keeping these vents clear is important in having a healthy home).&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;If you are not comfortable going onto your roof or into your attic you should hire a professional to inspect it. If you do find signs of an&amp;nbsp;infestation call animal control or an exterminator immediately.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;5. Put your air conditioning unit to rest&lt;/h3&gt;&lt;p class="block-p" style="text-align: start"&gt;Removable A/C window units should be removed and properly stored according to the manufacturer’s instructions before winter in order to protect the unit and help keep cooler outside air from getting inside.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Whole home A/C units should be powered down from the breaker in your main electrical panel. If you have a safety shut-off switch located outside by the A/C unit that should be turned off as well.&lt;/p&gt;&lt;p class="block-p"&gt;There is much debate over whether you should completely cover a whole home A/C unit for the winter. A cover that goes all the way down to the bottom can &lt;a target="_blank" rel="" href="http://www.lennox.com/resources/faqs/care-and-maintenance/outdoor-unit-care/" data-type="link"&gt;&lt;strong&gt;trap moisture inside the unit as well as invite critters to nest&lt;/strong&gt;&lt;/a&gt;. A better option is a short cover, which protects the unit from debris and leaves getting inside the top while letting the unit “breathe” (a piece of plywood cut to size on top of the unit works well, too).&lt;/p&gt;&lt;h3 style="text-align: start"&gt;6. Shut-off and drain outside&amp;nbsp;faucets&lt;/h3&gt;&lt;p class="block-p"&gt;The faucets you use outside in the summer to wash your car, soak your garden&amp;nbsp;and hose down your kids are&amp;nbsp;susceptible to freezing. If&amp;nbsp;proper care is not taken to shut-off and drain these lines before winter, it can&amp;nbsp;lead to pipes and faucets bursting or cracking and can create a huge, potentially expensive, disaster.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;All faucets that exit your home should have a shut-off valve located inside. These shut-offs are usually located close to where the faucet exits the basement to the outside, but can also be located further back in the home closer to where the pipe for the faucet branches off from the&amp;nbsp;main water source. If you don’t have shut-off valves or can’t find them, contact a licensed plumber to&amp;nbsp;have them installed.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Once the water is turned off inside, open the outside faucet to let it completely drain. If the inside shut-off valve has a drain plug — a small cap on the side of the shut-off — open it while the outside faucet is still turned to the on position (make sure to have a bucket under it when you open it as water will come out). Once all the water has completely drained from the line, close the drain plug on the shut-off valve and turn the outside faucet back to the off position.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;If you have access to the run of pipe that goes outside, adding pipe insulation around it is bonus protection and will also help keep condensation down in the summer months as well.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;7. Clean and inspect your furnace&lt;/h3&gt;&lt;p class="block-p" style="text-align: start"&gt;Even if it was pumping out air conditioning to keep you cool, most people neglect their furnace during the summer&amp;nbsp;months. Now that you’re about to turn the heat back on and spend most of your time breathing the&amp;nbsp;air it pushes around, it’s recommended you&amp;nbsp;do some general maintenance&amp;nbsp;to keep it running in top form.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The first thing you should do before kicking on the heat is to&amp;nbsp;clean or &lt;a target="_blank" rel="" href="http://globalnews.ca/news/1621011/what-you-need-to-know-about-furnace-filters/" data-type="link"&gt;&lt;strong&gt;replace your furnace filter&lt;/strong&gt;&lt;/a&gt;. This not only helps the quality of your inside air, but also keeps your furnace running more efficient (and the more efficient your furnace runs the less money you waste heating your home).&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;If you have a permanent filter, follow the directions on how to clean it and only use the recommended cleaning solutions (you breathe the air that passes through the filter so cleaning it with harsh chemicals will only contaminate the air and could be potentially dangerous, especially if the cleaning solution is flammable).&lt;/p&gt;&lt;p class="block-p"&gt;Replaceable filters come in all different sizes and ratings. Ensure you’re getting one that is the correct size to fit your furnace and then choose the level of filter protection you want.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Filters are rated using the&amp;nbsp;MERV system, or “Minimum Efficiency Reporting Value”. The higher the MERV rating the more particles the filter will remove from the air. If you have allergies or pets, a filter with a higher MERV rating will help keep your air cleaner. Of course, it’s not that simple as a higher MERV rating also means less airflow, which in turn could end up doing more harm to your furnace than good. Check with your furnace manufacturer to see what the highest level of filter you can use is before going for maximum protection. Filters should also be replaced every 90 days.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;Doing a good vacuuming around your furnace and inside your floor and air intake vents also helps keeps air moving better so your furnace doesn’t have to work as hard. If you have pets (or have just moved into a newly built house) having your ducts professionally cleaned is highly recommended.&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;If your furnace is over 15-years-old you should&amp;nbsp;have it inspected by an HVAC professional to make sure everything is still in proper working order before firing it up (HVAC stands for heating, ventilating and air conditioning). A good HVAC professional&amp;nbsp;will be able to detect potential problems and will also be able to give you advice on running your furnace more efficient.&lt;/p&gt;&lt;p class="block-p"&gt;If your home is heated with baseboard or radiator&amp;nbsp;heating, they should be&amp;nbsp;cleaned and inspected for potential hazards as well.&lt;/p&gt;&lt;h3 style="text-align: start"&gt;And don’t forget to…&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Clean and inspect your fireplace&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Clean and inspect your dryer vent&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Change the batteries in your smoke detectors&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Check that carbon monoxide detectors are working properly&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Inspect fire extinguishers&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Inspect and test sump pumps&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Empty and store rain barrels&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Winterize outdoor lawn equipment&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 24 Sep 2024 16:38:20 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/7-tips-to-get-your-home-ready-for-fall--8293164</guid>
      <dc:date>2024-09-24T16:38:20Z</dc:date>
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      <title>Reforms include wider access to 30-year mortgages and more</title>
      <link>https://shelleycorley.ca/blog.html/reforms-include-wider-access-to-30-year-mortgages-and-more-8286590</link>
      <description>&lt;p class="block-p" style="text-align: start"&gt;&lt;br&gt;&lt;br&gt;&lt;strong&gt;Justin Dallaire&lt;/strong&gt;&amp;nbsp;senior editor&lt;/p&gt;&lt;p class="block-p" style="text-align: center"&gt;&lt;em&gt;This is the MoneySense Special Edition Newsletter, where we cover news headlines affecting Canadians’ finances.&lt;/em&gt;&lt;/p&gt;&lt;p class="block-p" style="text-align: start"&gt;The federal government announced two big changes to mortgage rules today. Both are aimed at making home ownership more affordable for Canadians, particularly those entering the real estate market for the first time. The new rules take effect on Dec. 15.&amp;nbsp;&lt;br&gt;&lt;br&gt;First, the government is raising the cap for insured mortgages.&amp;nbsp;Currently, Canadians buying a home with a down payment of less than 20% of the purchase price must pay for &lt;a target="_blank" rel="" href="https://click.email.moneysense.ca/?qs=b312fa5ebe17cb3a6a0733f1b605f4844b44dc027bde00e26d92a122f23b4b35570cbf38ed4ec2fac651b14cf1c6dbdd9e97ca28343605d1" data-type="link"&gt;&lt;strong&gt;mortgage default insurance&lt;/strong&gt;&lt;/a&gt;, which protects lenders. Homes valued at $1 million or more must have a down payment of at least 20%, and they’re ineligible for mortgage default insurance. Under the new rules, buyers will be able to purchase homes valued at up to $1.5 million with a down payment of less than 20% and get an insured mortgage.&amp;nbsp;&lt;br&gt;&lt;br&gt;Second, the government is expanding access to 30-year mortgages. Currently, insured mortgages can have amortizations of no more than 25 years. (The exception is first-time buyers acquiring a new-construction home, who have been able to get a 30-year mortgage since Aug. 1, as part of changes introduced in the &lt;a target="_blank" rel="" href="https://click.email.moneysense.ca/?qs=b312fa5ebe17cb3ac04a4b69154978506ccd78fa206dfdb9de88ed293105ced759f3149ecaf10bbb1c8b8cd04ddf1e2a6dba57c94338fac4" data-type="link"&gt;&lt;strong&gt;2024 federal budget&lt;/strong&gt;&lt;/a&gt;.) As of Dec. 15, all first-time home buyers will be able to access 30-year amortizations, regardless of the type of home, as will anyone buying a new-build home (including condos).&lt;br&gt;&amp;nbsp;&lt;br&gt;The government describes the changes as “the most significant mortgage reforms in decades.”&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;What does it mean for you?&lt;/strong&gt;&lt;br&gt;&lt;br&gt;Many Canadians view mortgage affordability through the lens of monthly payments—not the total cost of borrowing to buy a home. So, the new rules will indeed make home ownership more affordable for first-time buyers—though it may also lead buyers to pay more over the life of the loan than they would with a shorter mortgage.&lt;br&gt;&lt;br&gt;Raising the cap on insured mortgages will “make it possible for buyers to purchase higher-priced homes with smaller down payments, and in some cases, give them access to more competitive &lt;a target="_blank" rel="" href="https://click.email.moneysense.ca/?qs=b312fa5ebe17cb3af8162be9760f4edeecbbec387c69c2ddaac5f3c1f5c4e33e31c48ab46451db0f72493e77845c829e1fe8a571a6e9049c" data-type="link"&gt;&lt;strong&gt;mortgage rates&lt;/strong&gt;&lt;/a&gt; as insured borrowers,” Penelope Graham, a mortgage expert at Ratehub, tells MoneySense exclusively for this newsletter. (Ratehub and MoneySense are both owned by Ratehub Inc.) “Spreading payments over a 30-year amortization period will also help improve monthly cash flow, which in turn helps with qualification ratios and passing the &lt;a target="_blank" rel="" href="https://click.email.moneysense.ca/?qs=b312fa5ebe17cb3ad6064d076aa0a5fcc5a264a820eaab8db288b258c9d1146a9e794c57a3ac36ccc9bd2c48ccff64b3b5a98c056f421a82" data-type="link"&gt;&lt;strong&gt;mortgage stress test&lt;/strong&gt;&lt;/a&gt;.”&lt;br&gt;&lt;br&gt;The Canadian real estate market has had a slow summer, in spite of three Bank of Canada interest rate cuts, in June, July and September. Surely, these cuts have lessened borrowing costs, and theoretically, should have sparked more home purchases (as ultra-low interest rates did during the pandemic).&amp;nbsp;&lt;br&gt;&lt;br&gt;Graham believes the mortgage rules coming into effect in December may be the push buyers need. “Combined with [more] anticipated interest rate cuts from the Bank of Canada, today’s announcement could be the incentive buyers have been waiting for to re-enter the market.”&amp;nbsp;&lt;br&gt;&lt;br&gt;A surge in buyer demand may ultimately drive up home prices—a side-effect the federal government should be trying to avoid, given the high prices Canadians already face. So, the question remains: &lt;a target="_blank" rel="" href="https://click.email.moneysense.ca/?qs=b312fa5ebe17cb3a022defc60b09b3ffad6edfb7d5e51eb76cbe6394b444d868eb9cd050d03d2344ce8b27e2c5bab22f75c0540812e8c64f" data-type="link"&gt;&lt;strong&gt;Is this a good time to buy a home in Canada&lt;/strong&gt;&lt;/a&gt;?&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 17 Sep 2024 15:15:24 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/reforms-include-wider-access-to-30-year-mortgages-and-more-8286590</guid>
      <dc:date>2024-09-17T15:15:24Z</dc:date>
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      <title>August 2024 Market Stats</title>
      <link>https://shelleycorley.ca/blog.html/august-2024-housing-market-update--8273246</link>
      <description>&lt;div data-type="embed" class="bv3-embed"&gt;&lt;table border="0" cellpadding="0" cellspacing="0" width="100%"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td valign="top"&gt;&lt;table align="left" border="0" cellpadding="0" cellspacing="0" width="100%" style="max-width: 100%; min-width: 100%; border-collapse: collapse; float: left;"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td valign="top"&gt;September 3, 2024&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;div data-type="embed" class="bv3-embed"&gt;&lt;table border="0" cellpadding="0" cellspacing="0" width="100%"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td valign="top"&gt;&lt;table align="left" border="0" cellpadding="0" cellspacing="0" width="100%" style="max-width: 100%; min-width: 100%; border-collapse: collapse; float: left;"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td valign="top"&gt;&lt;h1 style="display: block; margin: 0px; padding: 0px; font-family: Arial, &amp;quot;Helvetica Neue&amp;quot;, Helvetica, sans-serif; font-size: 24px; font-style: normal; font-weight: bold; line-height: 36px; letter-spacing: normal; text-align: left; color: rgb(0, 123, 191) !important;"&gt;&lt;strong&gt;Calgary housing market sees shifts&lt;/strong&gt;&lt;/h1&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;div data-type="embed" class="bv3-embed"&gt;&lt;table border="0" cellpadding="0" cellspacing="0" width="100%"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td valign="top"&gt;&lt;table align="left" border="0" cellpadding="0" cellspacing="0" width="100%" style="max-width: 100%; min-width: 100%; border-collapse: collapse; float: left;"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td valign="top"&gt;Housing activity continues to move away from the extreme sellers’ market conditions experienced throughout the spring. Easing sales, combined with gains in supply, pushed the months of supply above two months in August, a level not seen since the end of 2022.&lt;br&gt;&lt;br&gt;“As expected, rising new home construction and gains in new listings are starting to support a better-supplied housing market,” said Ann-Marie Lurie, Chief Economist at CREB®. “This trend is expected to continue throughout the remainder of the year, but it’s important to note that supply levels remain low, especially for lower-priced properties. It will take time for supply levels to return to those that support more balanced conditions.”&lt;br&gt;&lt;br&gt;Inventory levels in August reached 4,487 units, 37 per cent higher than last August but nearly 25 per cent lower than long-term trends for the month. Higher-priced properties mostly drove the supply gains, as the most affordable homes in each property type continued to report supply declines.&lt;br&gt;&lt;br&gt;The supply gains were made possible by both an increase in new listings in August and a pullback in sales activity. There were 2,186 sales in August, representing a 20 per cent decline from last year's record high but still 17 per cent higher than long-term averages for the month. The sales declines were driven by homes priced below $600,000.&lt;br&gt;&lt;br&gt;Following stronger-than-expected gains earlier in the year, the pace of price growth is starting to slow. In August, the total unadjusted residential benchmark price was $601,800, six per cent higher than last year and just slightly lower than last month. Year-to-date, the average benchmark price rose by nine per cent.&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;h3&gt;&lt;strong&gt;Detached&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;Detached home sales fell by 14 per cent compared to last year, as gains in homes priced above $600,000 were not enough to offset declines in the lower price ranges, which continue to struggle with low supply levels. In August, there were 2,011 detached homes available in inventory, with over 85 per cent priced above $600,000.&lt;br&gt;&lt;br&gt;The improving higher-end supply compared to sales helped push the months of supply up to nearly two months. While market conditions are still tight, this is a significant improvement from the under-one-month supply experienced in the spring. Shifting conditions are relieving some pressure on home prices. In August, the unadjusted detached benchmark price was $762,600, slightly lower than last month but still over nine per cent higher than last year.&lt;br&gt;&amp;nbsp;&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;Semi-Detached&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;With 297 new listings and 172 sales, the sales-to-new-listings ratio in August dropped to 58 per cent, which is more consistent with pre-pandemic levels. This shift supported a rise in inventory levels, and the months of supply rose to nearly two months.&lt;br&gt;&lt;br&gt;While conditions remain relatively tight, the boost in new listings has helped ease some of the pressure on prices. In August, the unadjusted benchmark price was $681,200, a decline from last month but nearly 10 per cent higher than last year.&lt;br&gt;&amp;nbsp;&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;Row&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;New listings row for homes priced above $400,000, contributing to year-to-date growth of nearly 16 per cent. At the same time, slower sales over the past three months have contributed to inventory gains. In August, there were 660 units available, a 75 per cent increase over the exceptionally low levels reported last year. While inventories are still low by historical standards, as with other property types, this shift is helping ease pressure on home prices.&lt;br&gt;&lt;br&gt;The unadjusted benchmark price in August was $461,700, slightly lower than last month but over 12 per cent higher than last August. Monthly adjustments were not consistent across districts, with adjustments in the City Centre, North West, North, and West districts mostly driving monthly declines. Despite the monthly adjustments, year-over-year prices remain higher than last year across all districts and range from a low of 10 per cent in the City Centre to a high of 26 per cent in the East district.&lt;br&gt;&amp;nbsp;&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;Apartment Condominium&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;New listings in August reached 1,001 units, a record high for the month. The gains in new listings were met with a pullback in sales, causing the sales-to-new-listings ratio to drop to 60 per cent and inventories to rise to 1,476 units. Unlike other property types, overall condominium inventory levels were relatively consistent with longer-term trends for the month.&lt;br&gt;&lt;br&gt;Rising inventory and easing sales caused the months of supply to increase to nearly two and a half months, not as high as levels seen before the pandemic but an improvement over the extremely tight conditions seen over the past 18 months. In August, the unadjusted benchmark price was $346,500, similar to last month and nearly 16 per cent higher than last year’s prices.&lt;br&gt;&lt;br&gt;&amp;nbsp;&lt;/p&gt;&lt;hr data-margin-top="0" class="margin-top-0 margin-bottom-0" data-margin-bottom="0" style="--margin-top: 0; --margin-bottom: 0;"&gt;&lt;h2&gt;&lt;br&gt;REGIONAL MARKET FACTS&lt;/h2&gt;&lt;h3&gt;&lt;strong&gt;&lt;br&gt;Airdrie&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;New listings in Airdrie continued to rise this month compared to last year. However, with 242 new listings and 172 sales, the sales-to-new-listings ratio remained relatively high at 71 per cent. This prevented a stronger gain in inventory levels and kept the months of supply below two months. The tightest conditions in the market continue to be in the lower price ranges of each property type.&lt;br&gt;&lt;br&gt;While conditions continue to favour the seller, they are not as tight as during the spring months, taking some pressure off home prices. In August, the unadjusted benchmark price was $553,300, similar to last month and nearly eight per cent higher than last year.&lt;br&gt;&amp;nbsp;&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;Cochrane&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;August reported 81 sales and 109 new listings, keeping the sales-to-new-listings ratio elevated at 74 per cent, enough to prevent any gain in inventory levels. With 144 units available, inventory levels are nearly 42 per cent below long-term trends for the month.&lt;br&gt;&lt;br&gt;Persistently tight conditions continue to drive further price growth in the town. In August, the unadjusted benchmark price was $578,600, slightly higher than last month and over eight per cent higher than last year’s levels. Prices have risen across all property types, with the largest gains occurring for apartment-style properties.&lt;br&gt;&amp;nbsp;&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;Okotoks&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;A boost in detached sales supported the rise in August sales compared to last year. The 67 sales in August were met with 84 new listings, pushing the sales-to-new-listings ratio near 80 per cent. This prevented any significant shift in inventory levels, which remain nearly 47 per cent lower than long-term trends.&lt;br&gt;&lt;br&gt;With just over one month of supply, conditions remain relatively tight. The unadjusted benchmark price in August was $622,700, similar to last month and over seven per cent higher than last August.&lt;/p&gt;</description>
      <enclosure url="https://iss-cdn.myrealpage.com/1kxWTiLCCgMOhN-YTmKvY9iT103HBq6HVxesSoajUjw/rs:auto:0:0:0/g:sm/bG9jYWw6Ly9maWxlOi8vL2RhdGEtZWZzLWltYWdlcy9hcHAvYmxvZy9wL3AvcS9tL3BwcW0vcHBxbXF5ZHJ0b29uLmpwZWc_dD0xNzI1MzgxNjY2Mzg2" type="image/jpeg" />
      <pubDate>Tue, 03 Sep 2024 16:43:29 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/august-2024-housing-market-update--8273246</guid>
      <dc:date>2024-09-03T16:43:29Z</dc:date>
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      <title>Effective Property Management: Handling tenant Eviction</title>
      <link>https://shelleycorley.ca/blog.html/effective-property-management-handling-tenant-eviction-8258375</link>
      <description>&lt;p class="block-p"&gt;&lt;strong&gt;By &lt;/strong&gt;&lt;a target="" rel="" href="https://www.creblink.com/crebtalk/?author=CREB" data-type="link"&gt;&lt;strong&gt;CREB®&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;Landlords play a crucial role in the rental market, balancing property management responsibilities with tenants' rights. Evictions, while often seen from a tenant’s perspective, also significantly impact landlords.&lt;/p&gt;&lt;p class="block-p"&gt;Understanding the reasons and processes behind evictions is vital for landlords to manage their properties effectively. This article explores some key principles behind what constitutes grounds for eviction and how to handle the process in the best way possible.&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;Grounds for eviction&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;There are several reasons why a landlord may want to evict a tenant from their property. Overall, the most common and heard reason for eviction is &lt;strong&gt;non-payment of rent&lt;/strong&gt;. However, there are a few other grounds for which a landlord may evict a tenant:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;Breaking of rental agreement terms or conditions&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Damage to the rental premises&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Disturbing or endangering others in the rental premises&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Not maintaining clean rental premises&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Not vacating when a tenancy ends&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Interference with the landlord or landlord’s employees&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;Assaults or threatens to assault the landlord or other tenant&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;&lt;strong&gt;Practice tip&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;All notices for eviction must be in writing. The notices must include the address, reasons for eviction, and end date of the tenancy and must be signed by the landlord. If the notice is delivered via email, ensure that you are using read receipts so there is confirmation that the tenant has received it, although the tenant can refuse the request to send a read receipt.&lt;/p&gt;&lt;p class="block-p"&gt;A physical copy is strongly recommended to be delivered via registered mail or physically to the property. If the notice was posted to the property's front door, ensure that a photo is taken of the notice posted and record the date and time that the notice was posted.&lt;/p&gt;&lt;p class="block-p"&gt;Be sure to collect and save all documents relating to the eviction, as they may be used as evidence if the matter is brought before the courts or the Residential Tenancy Dispute Resolution Service (RTDRS). Documents can include photographs, emails, text messages, recordings, etc.&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;Notice types for evictions&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;&lt;strong&gt;24-hour notice to vacate&lt;/strong&gt; – This is used when a tenant has caused significant damages to the rental premises or physically assaulted or threatened to assault either the landlord or another tenant physically.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;48-hour notice to vacate&lt;/strong&gt; – This is used if an unauthorized occupant is living at the rental premises.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;14-day notice to vacate&lt;/strong&gt; – This type of notice would be used if there was a substantial breach by the tenant in the rental property (grounds noted above).&lt;/p&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Important note:&lt;/strong&gt; For notices about non-payment of rent, the landlord must include a statement that the tenancy will not be terminated if the tenant pays the due rent and any overdue rental payments on or before the termination date specified in the notice.&lt;/p&gt;&lt;p class="block-p"&gt;If a landlord has provided the eviction notice to the tenant, they may object to the reasoning behind it. The landlord can then apply to either the courts or the RTDRS for a court order to terminate the tenancy. Until the courts or the RTDRS issues the order, the tenant will remain at the property until the case has been heard.&lt;/p&gt;&lt;p class="block-p"&gt;This stage will be covered in a future article, discussing the differences between the RTDRS versus the courts and how landlords can effectively navigate this process.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;br&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Wed, 14 Aug 2024 19:59:47 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/effective-property-management-handling-tenant-eviction-8258375</guid>
      <dc:date>2024-08-14T19:59:47Z</dc:date>
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      <title>Supply levels improve, taking some pressure off prices</title>
      <link>https://shelleycorley.ca/blog.html/supply-levels-improve-taking-some-pressure-off-prices-8253123</link>
      <description>&lt;p class="block-p"&gt;&lt;strong&gt;By &lt;/strong&gt;&lt;a target="" rel="" href="https://www.creblink.com/crebtalk/?author=CREB" data-type="link"&gt;&lt;strong&gt;CREB®&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;With the busy spring market behind us, we are starting to see some shifts in supply levels. With 2,380 sales and 3,604 new listings, the sales-to-new listings ratio fell to 66 per cent, supporting a gain in inventory.&amp;nbsp;&lt;/p&gt;&lt;p class="block-p"&gt;Inventories rose to 4,158 units, still 33 per cent below what we typically see in July, but the first time they have pushed above 4,000 units in nearly two years. Although the majority of supply growth occurred for homes priced above $600,000, the rise has helped shift the market away from the extreme sellers' market conditions experienced throughout the spring.&lt;/p&gt;&lt;p class="block-p"&gt;"While we are still dealing with supply challenges, especially for lower-priced homes, more options in both the new home and resale market have helped take some of the upward pressure off home prices this month," said Ann-Marie Lurie, Chief Economist at CREB®. "This is in line with our expectations for the second half of the year, and should inventories continue to rise, we should start to see more balanced conditions and stability in home prices."&lt;/p&gt;&lt;p class="block-p"&gt;July sales eased by 10 per cent over last year's record high but were still higher than long-term trends for the month. Like last month, the pullback in sales has been driven by homes priced below $600,000. Nonetheless, the gain in inventory combined with slower sales caused the months of supply to rise to 1.8 months, still low enough to favour the seller but a significant improvement from the under one month reported earlier this year.&lt;/p&gt;&lt;p class="block-p"&gt;Improved supply helped slow the pace of monthly price growth for each property type. In July, the total residential benchmark price was $606,700, similar to last month and nearly eight per cent higher than last year's levels.&lt;/p&gt;&lt;p class="block-p"&gt;To read the full stats release on July's housing market for Calgary and surrounding areas,&amp;nbsp;&lt;a target="_blank" rel="" href="https://www.creb.com/News/CREBNow/2024/August/Supply_levels_improve_taking_some_pressure_off_prices/" data-type="link"&gt;&lt;strong&gt;click here&lt;/strong&gt;.&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Thu, 08 Aug 2024 17:16:42 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/supply-levels-improve-taking-some-pressure-off-prices-8253123</guid>
      <dc:date>2024-08-08T17:16:42Z</dc:date>
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    <item>
      <title>C/S</title>
      <link>https://shelleycorley.ca/blog.html/cs-8238171</link>
      <description>&lt;p class="block-p"&gt;We have seen a slight improvement in Inventory but not enough to off set demand. This beautiful home in Luxstone is conditionally sold after only a few days on the market. Are you thinking of making a move? Call or text 403-660-0102 or check out my website &lt;a target="" rel="" href="http://shelleycorley.ca" data-type="link"&gt;shelleycorley.ca&lt;/a&gt;&lt;/p&gt;&lt;p class="block-p"&gt; #sellersmarket2024 #homemarketing #realestatemarket #hotmarket🔥 #SellingHomes&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Mon, 22 Jul 2024 18:35:02 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/cs-8238171</guid>
      <dc:date>2024-07-22T18:35:02Z</dc:date>
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    <item>
      <title>Home Inspection Benefits</title>
      <link>https://shelleycorley.ca/blog.html/home-inspection-benefits-8215969</link>
      <description>&lt;h1&gt;A Home Inspection Protects All Parties&lt;/h1&gt;&lt;p class="block-p"&gt;Updated 3.10.2023&lt;/p&gt;&lt;p class="block-p"&gt;The truth is, without a thorough &lt;a target="" rel="" href="https://housemaster.com/article/residential-home-inspection" data-type="link"&gt;home inspection&lt;/a&gt; performed by a qualified professional, neither the buyer nor the seller can really know what defects may exist in a home.&lt;/p&gt;&lt;p class="block-p"&gt;HouseMaster has more experience with home inspections and buying than any other franchise company. As part of your home inspection, your local HouseMaster professional will evaluate all the major elements of the home, including heating, cooling, structure, electrical, plumbing and more, so that you can make an informed home purchase decision.&lt;/p&gt;&lt;h2&gt;Why a home inspection is a smart investment&lt;/h2&gt;&lt;p class="block-p"&gt;Are you concerned about the home inspection cost? &amp;nbsp;Think of it as more of an investment in your purchase confidence. &amp;nbsp;Whether this is your first time buying a home or you have bought and sold many homes, HouseMaster recommends you obtain a professional home inspection to take advantage of these benefits:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Find out what type of systems and components exist in your new home.&lt;/strong&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Determine the condition of the systems and major components of the home.&lt;/strong&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Understand how the systems and structural components of your new home function.&lt;/strong&gt;&lt;/p&gt;&lt;/li&gt;&lt;li&gt;&lt;p class="block-p"&gt;&lt;strong&gt;Learn how to maintain your new home to improve the enjoyment and value of your home.&lt;/strong&gt;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;&lt;h2&gt;A HouseMaster home inspection is all about you!&lt;/h2&gt;&lt;p class="block-p"&gt;The&amp;nbsp;a crucial person to&amp;nbsp;in a HouseMaster home inspection is YOU. &amp;nbsp;The Customer! &amp;nbsp;That is why we have carefully designed the HouseMaster home inspection process&amp;nbsp;to&amp;nbsp;include all of the information that you need to feel confident. &amp;nbsp;We invite you to join us on the inspection where we will take the time to discuss anything that we find. &amp;nbsp;We will also explain items that you should consider for proper home maintenance and we will show you how to operate many of the systems in the home. &amp;nbsp;&lt;/p&gt;&lt;h2&gt;The home inspection checklist double-check&lt;/h2&gt;&lt;p class="block-p"&gt;As part of every HouseMaster inspection, you will receive the exclusive HouseMaster Inspection Resource Guide. &amp;nbsp; This guide will help you to get the most out of your home inspection. &amp;nbsp;As you work with your inspector, you can take notes in the guide to ensure that all your questions are answered. &amp;nbsp;The guide also includes information about home maintenance and tips on making your home more energy efficient. &amp;nbsp;The guide also includes a hand home inspection checklist that will assist you in performing your pre-closing walk-through. &amp;nbsp;And, once you are moved in, you can refer back to the guide for &lt;a target="" rel="" href="https://housemaster.com/resources/expert-demonstration" data-type="link"&gt;handy instructional videos&lt;/a&gt; that will guide you through some of the most common home repairs.&lt;/p&gt;&lt;h3&gt;&lt;strong&gt;&amp;nbsp;&lt;/strong&gt;&lt;/h3&gt;&lt;p class="block-p"&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;br&gt;&lt;/p&gt;</description>
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      <pubDate>Tue, 25 Jun 2024 17:10:04 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/home-inspection-benefits-8215969</guid>
      <dc:date>2024-06-25T17:10:04Z</dc:date>
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    <item>
      <title>For Sale</title>
      <link>https://shelleycorley.ca/blog.html/for-sale--8189634</link>
      <description>&lt;div data-block="true" data-editor="6vjob" data-offset-key="87ar0-0-0"&gt;
&lt;div class="_1mf _1mj" data-offset-key="87ar0-0-0"&gt;&lt;span data-offset-key="87ar0-0-0"&gt;Awesome summer retreat at Points West Resort in Sylvan Lake. Relax in this nearly new 2018 Cottage by Cedar Creek Destination trailer only used 3 seasons on a 39' x 65.5' serviced lot. The trailer is 8'6" x 40' and boasts 3 slide outs, a king size bed, large shower, full size fridge, a dishwasher, washer and dryer, large living space, 2 TVs, a fireplace, 2 LazyBoy chairs and a "Hide a Bed". Outside there is a 12' x 38' deck with a 10' x 12' gazebo, paved parking area. Tailer is skirted and has room for storage under it. The park has a swimming pool, hot tub, racket court, a playground, club house. laundry room, showers and bathrooms.&lt;/span&gt;&lt;/div&gt;
&lt;div class="_1mf _1mj" data-offset-key="87ar0-0-0"&gt;&lt;span data-offset-key="87ar0-0-0"&gt;MLS# A2131826 Listed by Alf Moore with RE/Max Real Estate Central Alberta&lt;/span&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;div data-block="true" data-editor="6vjob" data-offset-key="8mm5d-0-0"&gt;
&lt;div class="_1mf _1mj" data-offset-key="8mm5d-0-0"&gt;&amp;nbsp;&lt;/div&gt;
&lt;/div&gt;</description>
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      <pubDate>Tue, 28 May 2024 23:04:32 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/for-sale--8189634</guid>
      <dc:date>2024-05-28T23:04:32Z</dc:date>
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      <title>Coming Soon!!!!!!</title>
      <link>https://shelleycorley.ca/blog.html/coming-soon-8152389</link>
      <description>&lt;div data-block="true" data-editor="7nk2n" data-offset-key="4f3np-0-0"&gt;
&lt;div class="_1mf _1mj" data-offset-key="4f3np-0-0"&gt;&lt;span data-offset-key="4f3np-0-0"&gt;Calling All Investors!!!!&lt;/span&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;div data-block="true" data-editor="7nk2n" data-offset-key="4ktt5-0-0"&gt;
&lt;div class="_1mf _1mj" data-offset-key="4ktt5-0-0"&gt;&lt;span data-offset-key="4ktt5-0-0"&gt;805-2001 Luxstone Blvd Airdrie AB &lt;/span&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;div data-block="true" data-editor="7nk2n" data-offset-key="84u5v-0-0"&gt;
&lt;div class="_1mf _1mj" data-offset-key="84u5v-0-0"&gt;&lt;span data-offset-key="84u5v-0-0"&gt; This stunning 3 bedroom condo complete with amazing tenants in place is coming to the market soon. This codo was fully renovated in 2022 with new carpeting, new luxury laminate flooring, new kitchen with marble quartz counter tops, custom cabinetry, brandnew fixtures and stainless steel appliances. The quiet complex is walking distance to local schools and amenities and a stones throw from yankee valley and moments from the QEII. For more information call or text 403-660-0102.&amp;nbsp;&lt;/span&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;div data-block="true" data-editor="7nk2n" data-offset-key="878cu-0-0"&gt;
&lt;div class="_1mf _1mj" data-offset-key="878cu-0-0"&gt;&lt;span class="_5zk7" data-offset-key="878cu-1-0"&gt;#homeownership&lt;/span&gt;&lt;span class="_5zk7" data-offset-key="878cu-3-0"&gt;#sellersmarket2024&lt;/span&gt;&lt;span class="_5zk7" data-offset-key="878cu-5-0"&gt;#yycrealestate&lt;/span&gt;&lt;span class="_5zk7" data-offset-key="878cu-7-0"&gt;#realestateagent&lt;/span&gt;&lt;span class="_5zk7" data-offset-key="878cu-9-0"&gt;#realestateprofessinals&lt;/span&gt;&lt;span class="_5zk7" data-offset-key="878cu-11-0"&gt;#rentalmarket2024&lt;/span&gt;&lt;span class="_5zk7" data-offset-key="878cu-13-0"&gt;#revenueproperty&lt;/span&gt;&lt;/div&gt;
&lt;/div&gt;</description>
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      <pubDate>Tue, 16 Apr 2024 15:20:16 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/coming-soon-8152389</guid>
      <dc:date>2024-04-16T15:20:16Z</dc:date>
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      <title>Bank of Canada maintains policy rate</title>
      <link>https://shelleycorley.ca/blog.html/bank-of-canada-maintains-policy-rate-8146444</link>
      <description>&lt;p&gt;The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5&amp;frac14;% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening.&lt;/p&gt;
&lt;p&gt;The Bank expects the global economy to continue growing at a rate of about 3%, with inflation in most advanced economies easing gradually. The US economy has again proven stronger than anticipated, buoyed by resilient consumption and robust business and government spending. US GDP growth is expected to slow in the second half of this year, but remain stronger than forecast in January. The euro area is projected to gradually recover from current weak growth. Global oil prices have moved up, averaging about $5 higher than assumed in the January&amp;nbsp;&lt;em&gt;Monetary Policy Report&lt;/em&gt;&amp;nbsp;(MPR). Since January, bond yields have increased but, with narrower corporate credit spreads and sharply higher equity markets, overall financial conditions have eased.&lt;/p&gt;
&lt;p&gt;The Bank has revised up its forecast for global GDP growth to 2&amp;frac34;% in 2024 and about 3% in 2025 and 2026. Inflation continues to slow across most advanced economies, although progress will likely be bumpy. Inflation rates are projected to reach central bank targets in 2025.&lt;/p&gt;
&lt;p&gt;In Canada, economic growth stalled in the second half of last year and the economy moved into excess supply. A broad range of indicators suggest that labour market conditions continue to ease. Employment has been growing more slowly than the working-age population and the unemployment rate has risen gradually, reaching 6.1% in March. There are some recent signs that wage pressures are moderating.&lt;/p&gt;
&lt;p&gt;Economic growth is forecast to pick up in 2024. This largely reflects both strong population growth and a recovery in spending by households. Residential investment is strengthening, responding to continued robust demand for housing. The contribution to growth from spending by governments has also increased. Business investment is projected to recover gradually after considerable weakness in the second half of last year. The Bank expects exports to continue to grow solidly through 2024.&lt;/p&gt;
&lt;p&gt;Overall, the Bank forecasts GDP growth of 1.5% in 2024, 2.2% in 2025, and 1.9% in 2026. The strengthening economy will gradually absorb excess supply through 2025 and into 2026.&lt;/p&gt;
&lt;p&gt;CPI inflation slowed to 2.8% in February, with easing in price pressures becoming more broad-based across goods and services. However, shelter price inflation is still very elevated, driven by growth in rent and mortgage interest costs. Core measures of inflation, which had been running around 3&amp;frac12;%, slowed to just over 3% in February, and 3-month annualized rates are suggesting downward momentum. The Bank expects CPI inflation to be close to 3% during the first half of this year, move below 2&amp;frac12;% in the second half, and reach the 2% inflation target in 2025.&lt;/p&gt;
&lt;p&gt;Based on the outlook, Governing Council decided to hold the policy rate at 5% and to continue to normalize the Bank&amp;rsquo;s balance sheet. While inflation is still too high and risks remain, CPI and core inflation have eased further in recent months. The Council will be looking for evidence that this downward momentum is sustained. Governing Council is particularly watching the evolution of core inflation, and continues to focus on the balance between demand and supply in the economy, inflation expectations, wage growth, and corporate pricing behaviour. The Bank remains resolute in its commitment to restoring price stability for Canadians.&lt;/p&gt;
&lt;h2&gt;Information note&lt;/h2&gt;
&lt;p&gt;The next scheduled date for announcing the overnight rate target is June 5, 2024. The Bank will publish its next full outlook for the economy and inflation, including risks to the projection, in the MPR on July 24, 2024.&lt;/p&gt;</description>
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      <pubDate>Wed, 10 Apr 2024 15:10:10 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/bank-of-canada-maintains-policy-rate-8146444</guid>
      <dc:date>2024-04-10T15:10:10Z</dc:date>
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      <title>Understanding Tax on Rental income</title>
      <link>https://shelleycorley.ca/blog.html/understanding-tax-on-rental-income-8127517</link>
      <description>&lt;h1&gt;Tax on rental&amp;nbsp;income&lt;/h1&gt;&lt;p class="block-p"&gt;By IG Wealth Management •&amp;nbsp;March 2024&amp;nbsp;•&amp;nbsp;9 min&lt;/p&gt;&lt;p class="block-p"&gt;TAX&lt;/p&gt;&lt;p class="block-p"&gt;According to a recent Stats Canada report, almost 1.4 million Canadian households reported having property rental income. That’s a significant portion of the population.&lt;/p&gt;&lt;p class="block-p"&gt;However, there are a lot of tax implications to consider when deciding to rent out a property, particularly one that used to be your primary residence. How much income tax will you pay on rental income? What tax deductions on rental property are available? And how does capital gains tax on rental property work? Knowing the answers to these questions is important so you don’t fall foul of the CRA, and also so that you can get a good idea of the margins of profitability involved in renting out properties.&lt;/p&gt;&lt;h2&gt;How is rental income taxed in&amp;nbsp;Canada?&lt;/h2&gt;&lt;p class="block-p"&gt;On the whole, you’ll need to pay income tax on rental income. The tax rate on rental income in Canada is the same as your marginal tax rate (the tax rate you pay on your next dollar of income), since your net rental income would be in addition to your other sources of income (such as your salary, business income and investment income).&lt;/p&gt;&lt;p class="block-p"&gt;If you own the property with someone else, the income is split among each owner, depending on their share of ownership, and each person will pay tax according to their own marginal tax rate. If the property is owned with your spouse, the split in net rental income will be proportional to how much each spouse contributed to the purchase of the property.&lt;/p&gt;&lt;p class="block-p"&gt;If your rental property is held by a corporation that you own, tax on rental income gets a little more complex. We’ll discuss that further on in this article.&amp;nbsp;&lt;/p&gt;&lt;h2&gt;Tax deductions on rental&amp;nbsp;property&lt;/h2&gt;&lt;p class="block-p"&gt;Before you pay income tax on rental income, you’ll be able to claim certain expenses to lower the amount of taxable rental income you have to report on your tax return (this amount is then called your net rental income). It’s important to know all of the expenses you can include to reduce the amount of tax paid as much as possible. These are some of the most common tax deductions on rental property:&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Utilities&lt;/em&gt;: If you, rather than your tenants, are responsible for paying for gas, hydro, oil, water and/or cable, you can deduct these expenses.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Property taxes&lt;/em&gt;: These can be deducted for the time period your property was rented out or available for rent.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Insurance&lt;/em&gt;: You can deduct your insurance premiums for the rental property, but if you paid for several years’ worth of premiums all at once, you can only claim the amount that pays for the current year’s coverage.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Repairs/maintenance&lt;/em&gt;: The costs of any minor repairs or ongoing maintenance (both for the building and land), can be claimed as deductions against rental income. However, in the current year, you can’t deduct the costs of repairs that exend the useful life of the property or improve it beyond its original condition. These would be considered capital costs (see the capital cost section below).&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Professional fees&lt;/em&gt;: These include legal services related to renting out the property (like preparing leases and collecting overdue rent), however it doesn’t include legal fees you paid when you bought the property (these are added to the capital cost of the property itself).&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Advertising&lt;/em&gt;: Expenses for advertising the property to find tenants can be deducted, for either digital or traditional media.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Management and administration fees&lt;/em&gt;: If you hire a company to manage your property, collect rent and find tenants, their fees are a deductible expense.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Salaries, wages, benefits&lt;/em&gt;: If you employ people to help look after your rental property, such as a superintendent, etc., these expenses can all be deducted. You cannot, however, deduct the value of your own labour.&lt;/p&gt;&lt;h2&gt;Understanding capital cost&amp;nbsp;allowance&lt;/h2&gt;&lt;p class="block-p"&gt;Your buildings, equipment and furniture are classified as depreciable property. The initial cost of these properties can’t be deducted all at once when calculating net rental income, but you can deduct a portion of the cost each year, over a period of several years. This is called capital cost allowance. The amount of capital cost allowance that can be deducted annually depends on each type of depreciable property.&lt;/p&gt;&lt;h2&gt;Tax implications of turning a principal residence into a rental&amp;nbsp;property&lt;/h2&gt;&lt;p class="block-p"&gt;When you sell a home that was only ever used as your principal residence, you won’t have to pay tax on the capital gains if you sell it for more than you paid (as long as you didn’t claim the principal residence exemption against another personal use property while you owned it). This is not the case for rental properties, however, which are subject to tax on capital gains when you sell them and which are not eligible for the principal residence exemption.&lt;/p&gt;&lt;p class="block-p"&gt;Therefore, if you change the status of the entire property you own from your principal residence to a rental property (or vice versa), there is a set of complex tax rules that comes into play. From a tax perspective, the property is deemed to have been “sold” at its current market value, at the time of the change in use. This market value becomes its new tax cost base (also known as adjusted cost base). This is the value of the property that will be used to calculate potential capital gains or losses, going forward. You would have to report your property’s deemed disposition (change in status) on your tax return.&lt;/p&gt;&lt;p class="block-p"&gt;When you turn your principal residence into a rental property, you might be able to take advantage of a special tax election which would avoid the deemed dispositon at market value at the time of the change in use. The cost base of the property would remain unchanged (so it would not be reset to the market value at the time of the change in use).&lt;/p&gt;&lt;p class="block-p"&gt;The election would also allow you to designate the property as your principal residence for up to four more years, even if you don’t live there, but you can’t claim another property as your principal residence during that time. If you then move back into your home within four years, you won’t be required to pay any immediate capital gains tax for this second change in use.&lt;/p&gt;&lt;p class="block-p"&gt;You won’t be able to claim any capital cost allowance, however, and you would still need to declare net rental income.&lt;/p&gt;&lt;p class="block-p"&gt;If, on the other hand, you convert a rental property into your personal home, you can choose to make a similar tax election to defer tax on the unrealized capital gains until you sell the property (which defers the tax bill, it does not eliminate it). This option is only available if you haven’t previously claimed capital cost allowance on the property.&lt;/p&gt;&lt;h2&gt;Tax implications of renting out part of your principal&amp;nbsp;residence&lt;/h2&gt;&lt;p class="block-p"&gt;You may be subject to the change of use rules, as outlined above, if you start renting out part of your home, however there are some circumstances in which you might not need to do this.&lt;/p&gt;&lt;p class="block-p"&gt;To avoid the deemed dispositon at market value of the converted portion of the property, there are some conditions you’ll need to meet. You can’t change your property structurally or claim capital cost allowance on the newly rented portion, nor can the rental part of the building be considered a separate unit. If these conditions are met, you won’t be subject to the partial change in use rules.&lt;/p&gt;&lt;p class="block-p"&gt;If these conditions are not met, you would have to declare a partial change of use for tax purposes and pay tax on capital gains on the part of your home that you start to rent out (usually calculated using the rented square footage as a percentage of the home’s overall size or on the number of rooms used for each purpose, as long as the split is reasonable).&lt;/p&gt;&lt;p class="block-p"&gt;Alternatively, you could file a tax election (as above) so that the deemed disposition that normally arises on the partial change in use does not apply, deferring the realization of the gain until a later sale.&lt;/p&gt;&lt;h2&gt;Capital gains tax on rental&amp;nbsp;property&lt;/h2&gt;&lt;p class="block-p"&gt;When you sell a rental property, there will likely be either a capital gain or loss, plus any previously claimed capital cost allowance could be recaptured. While a capital gain is only 50% taxable, recapture of capital cost allowance is fully taxable.&lt;/p&gt;&lt;p class="block-p"&gt;The capital gain (or loss) will be the sum of the selling price (proceeds minus the costs to sell your property, such as realtor and legal fees), minus the capital cost of the property when you originally bought it.&lt;/p&gt;&lt;p class="block-p"&gt;Recapture will be the lesser of the cost of the depreciable property, including capital improvements (of the building, not the land) and the proceeds, minus the undepreciated capital cost. Here’s an example:&lt;/p&gt;&lt;p class="block-p"&gt;Lizette sells her rental property for $500,000 ($300,000 for the land and $200,000 for the building).&lt;br&gt;She bought it for $250,000 ($150,000 for the land and $100,000 for the building) 10 years ago. She made $50,000 of capital improvements over the years, for a total capital cost of $150,000 for the land and $150,000 for the building.&lt;br&gt;The undepreciated capital cost at the time of sale is $75,000.&lt;br&gt;It cost her $20,000 to sell it.&lt;br&gt;Capital gain = $500,000 - $20,000 - $300,000 =&amp;nbsp;$180,000.&lt;br&gt;Taxable capital gain (50%) = $90,000.&lt;br&gt;Recapture of capital cost allowance = ($100,000 + $50,000) - $75,000 = $75,000&lt;br&gt;Tax owing when property sold (at Lizette’s tax rate of 40%) = ($90,000 + $75,000) X 40% =&amp;nbsp;$66,000&lt;/p&gt;&lt;p class="block-p"&gt;As with all tax situations, you should consult with your accountant or tax specialist.&lt;/p&gt;&lt;h2&gt;Does it make sense to own a rental property inside a&amp;nbsp;corporation?&lt;/h2&gt;&lt;p class="block-p"&gt;While incorporating an active business can often make sense from a tax perspective, it would rarely be advisable in this case, even if you own several properties. Rental property is considered passive, rather than active income, so you could actually end up paying more tax on rental income overall (by the time the after-tax net rental income is paid to you personally).&lt;/p&gt;&lt;h2&gt;Is renting out a property the right choice for&amp;nbsp;you?&lt;/h2&gt;&lt;p class="block-p"&gt;If you’re considering renting out a property you own, or buying a property to rent, it makes sense to discuss your plans with your IG Advisor first. They’ll be able to help you work out the best way to finance the purchase, the tax consequences involved and how it would fit in with your overall financial plan.&amp;nbsp;&lt;a target="" rel="" href="https://www.ig.ca/en/find-an-advisor" data-type="link"&gt;If you don’t have an IG Advisor, you can find one here&lt;/a&gt;.&lt;/p&gt;&lt;p class="block-p"&gt;&lt;em&gt;Written and published by IG Wealth Management as a general source of information only. Not intended as a solicitation to buy or sell specific investments, or to provide tax, legal or investment advice. Seek advice on your specific circumstances from an IG Wealth Management Consultant.&lt;/em&gt;&lt;/p&gt;&lt;p class="block-p"&gt;&lt;/p&gt;</description>
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      <pubDate>Thu, 21 Mar 2024 17:17:01 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/understanding-tax-on-rental-income-8127517</guid>
      <dc:date>2024-03-21T17:17:01Z</dc:date>
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      <title>Tips and Tricks for spotting rental scams</title>
      <link>https://shelleycorley.ca/blog.html/tips-and-tricks-for-spotting-rental-scams--8127512</link>
      <description>&lt;div class="headline_area"&gt;
&lt;p&gt;&lt;abbr class="published" title="2024-03-18"&gt;Mar 18, 2024&lt;/abbr&gt;&lt;/p&gt;
&lt;h2 class="entry-title"&gt;Tips and tricks for spotting rental scams&lt;/h2&gt;
&lt;div id="pnlAuthor" class="headline_meta"&gt;&lt;span class="author vcard"&gt;By&amp;nbsp;&lt;a href="https://www.creblink.com/crebtalk/?author=CREB" rel="tag nofollow"&gt;CREB&lt;sup&gt;&amp;reg;&lt;/sup&gt;&lt;/a&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;div class="format_text entry-content"&gt;
&lt;div class="article"&gt;
&lt;p&gt;In Calgary, vacancy rates have been incredibly low for the past few years. This means that many people looking for a place to rent are having a tough time finding one. With so few options available, prices for rental properties have skyrocketed, and it's become common for multiple people to apply for the same place.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;As a result, it can take months for renters to finally secure a place to live. Unfortunately, this situation has created an opportunity for scammers to take advantage of desperate renters. This most recently happened to a&amp;nbsp;&lt;a href="https://globalnews.ca/news/10309369/calgary-senior-rental-scam/" rel="noopener noreferrer" target="_blank"&gt;Calgary senior&lt;/a&gt;, who found himself in the middle of a rental scam, which led him to be out thousands of dollars.&lt;/p&gt;
&lt;p&gt;These scammers prey on people who are struggling to find a place to live, tricking them out of thousands of dollars and even stealing their personal information like their SIN number or bank details. It's really important for renters to be careful and watch out for any signs that something might not be right when dealing with landlords or property managers.&lt;/p&gt;
&lt;p&gt;Here are some important tips to help you and your clients avoid falling victim to a rental scam.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;Common scams and red flags to watch for&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Advertising errors and inconsistencies&lt;br /&gt;&lt;/strong&gt;&lt;br /&gt;
&lt;ul&gt;
&lt;li&gt;No photos, limited photos or old photos&lt;/li&gt;
&lt;li&gt;Spelling mistakes in listings&lt;/li&gt;
&lt;li&gt;Duplicate or double listing on the same listing website&lt;/li&gt;
&lt;li&gt;Fake phone numbers (non-local numbers) or email addresses&lt;br /&gt;&lt;br /&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Showing snags&lt;br /&gt;&lt;br /&gt;&lt;/strong&gt;
&lt;ul&gt;
&lt;li&gt;Difficulty booking a viewing with the lister.&lt;/li&gt;
&lt;li&gt;Lister is pushing for virtual viewings only or refusing to meet in person&lt;/li&gt;
&lt;li&gt;Frequent cancellations and rebookings&lt;/li&gt;
&lt;li&gt;Not able to access the property on the day of the viewing, No shows to scheduled viewings&lt;br /&gt;&lt;br /&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Deposits and rent collection&lt;br /&gt;&lt;/strong&gt;&lt;br /&gt;
&lt;ul&gt;
&lt;li&gt;Requesting a deposit, rent, or an application fee before viewing the property or signing a lease agreement.&lt;br /&gt;&lt;br /&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Personal information requests&lt;br /&gt;&lt;/strong&gt;&lt;br /&gt;Providing personal information is often mandatory when applying for a rental with property management companies or private owners. Before providing this type of information to the lister, please verify the lister before sending any personal information.&lt;br /&gt;&lt;br /&gt;
&lt;ul&gt;
&lt;li&gt;Requests for banking information&lt;/li&gt;
&lt;li&gt;SIN number requests&lt;/li&gt;
&lt;li&gt;Request for personal information before viewing (outside of contact information, cell phone number or email address)&lt;br /&gt;&lt;br /&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;Tips on how to protect yourself from getting scammed&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;View the property in person&lt;/strong&gt;
&lt;p&gt;In our virtual world, the convenience of taking property tours from the comfort of your couch can be handy. However, it can be very easy for scammers to hide behind a camera and deceive you into applying for a fake listing.&lt;br /&gt;&lt;br /&gt;Take the time to arrange a viewing in person with the landlord or property manager. This will allow you to put a face to the calls or emails you have been receiving. Most scammers will often refuse to meet in person, which should instantly raise your internal alarm.&lt;br /&gt;&lt;br /&gt;Meeting in person also allows you to visibly see that the individual you have been speaking with does indeed have access to the property they are advertising.&lt;br /&gt;&lt;br /&gt;In some cases, in-person viewings are not possible for tenants coming from out of town. &amp;nbsp;If possible, have a trusted friend, co-worker, or family member conduct the viewing on your behalf.&lt;br /&gt;&lt;br /&gt;&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Ask the hard questions&lt;/strong&gt;
&lt;p&gt;Sometimes, asking specific questions can be uncomfortable or awkward for some when first meeting the property manager or landlord. However, asking these questions is vital to protecting yourself from scammers.&lt;br /&gt;&lt;br /&gt;Asking the right questions can help you spot inconsistencies or hesitations in the property manager or landlord's answers. Licensed property managers and landlords can answer these questions confidently and without hesitation&amp;mdash;some may even provide proof. Below are some good questions to ask when viewing a property.&lt;br /&gt;&lt;br /&gt;- Are you a licensed property manager or the owner of the property?&lt;br /&gt;- Are you legally able to lease this property to me?&lt;br /&gt;- How long have you been managing/owned this property for?&lt;br /&gt;- What will you require from me to rent the property from you?&lt;br /&gt;- What Brokerage are you working with?&lt;br /&gt;&lt;br /&gt;&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Do your homework&lt;/strong&gt;
&lt;p&gt;The rental process can be stressful, and skipping or ignoring some common red flags may happen. However, conducting your research before sending over your information and money is vital to protect you from these scammers.&lt;br /&gt;&lt;br /&gt;If you are working with a property manager, this process is straightforward. When looking at the rental listing, most property management companies will have their brokerage name, website and contact information somewhere in the advertisement. Look into this information and see if everything looks to be legit. Another step that can be taken is verifying that the property manager is licensed to conduct property management services in Alberta.&lt;br /&gt;&lt;br /&gt;The Real Estate Council of Alberta provides the licensing for all property managers in Alberta. Suppose the property manager you work with has identified themselves as a licensed property manager. In that case, you can confirm their license status on the&amp;nbsp;&lt;a href="https://reports.myreca.ca/publicsearch.aspx" rel="noopener noreferrer" target="_blank"&gt;RECA website&lt;/a&gt;. This is the best and most accurate way of verifying your future landlord.&lt;br /&gt;&lt;br /&gt;Working directly with a private property owner may be tricky when verifying that they do indeed own the property and are legally able to rent it. Outside of meeting with this individual in person, tenants can also look up the title of the property to verify that the name of the person you are interacting with matches the name on the title of the property.&lt;br /&gt;&lt;br /&gt;Land titles can be purchased (check&amp;nbsp;&lt;a href="https://www.alberta.ca/system/files/custom_downloaded_images/sa-land-titles-common-documents-fee-schedule-changes-Jan-1-2020.pdf" rel="noopener noreferrer" target="_blank"&gt;website&amp;nbsp;&lt;/a&gt;for price information) through Spatial Information System (SPIN2) or at a local registry agency.&lt;br /&gt;&lt;br /&gt;&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Report any scams you come across&lt;br /&gt;&lt;/strong&gt;&lt;br /&gt;In your search for a rental, you may encounter or have interacted with a scam listing. Although you were able to spot the scam, the next person may not. To avoid the next person from becoming the scammer&amp;rsquo;s next victim, report the listing through the listing platform's website.&lt;br /&gt;&lt;br /&gt;Most rental listing websites allow you to report suspected or suspicious listings, and it is vital to keep these bad actors away from unsuspecting tenants.&lt;br /&gt;&lt;br /&gt;If you or anyone you know has fallen victim to these rental scams, inform the local authorities and report the matter to the&amp;nbsp;&lt;a href="https://antifraudcentre-centreantifraude.ca/index-eng.htm" rel="noopener noreferrer" target="_blank"&gt;Canadian Anti-Fraud Centre.&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;/div&gt;
&lt;/div&gt;</description>
      <enclosure url="https://shelleycorley.ca/wps/rest/63857/post/8127512/image.jpg" type="image/jpeg" />
      <pubDate>Thu, 21 Mar 2024 16:41:46 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/tips-and-tricks-for-spotting-rental-scams--8127512</guid>
      <dc:date>2024-03-21T16:41:46Z</dc:date>
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    <item>
      <title>5 Tips to kickstart your 2024 Spring Clean</title>
      <link>https://shelleycorley.ca/blog.html/5-tips-to-kickstart-your-2024-spring-clean--8124082</link>
      <description>&lt;p&gt;Spring has (almost) sprung, and those overlooked places no one cared about in the depths of winter start to make their dirty little appearances when the sun shines through the windows. And, while we never look for an excuse to deep-clean our home, changing seasons is a perfect opportunity to get everything in order&amp;mdash;whether we like it or not! So, to help you get a head start on spring cleaning, we wanted to share five spots in your home that may have taken a back seat over the winter but, with a little TLC, can make your home look and feel so much better!&lt;/p&gt;
&lt;h2&gt;Replace Your Furnace Filter&lt;/h2&gt;
&lt;p&gt;This one is the easiest to do, so we recommend carving out 30 mins THIS week and getting it done! Changing your furnace filter involves a trip to your local hardware store and then a simple switch when you get back home. You should change your filter four times a year (easy to remember, at the beginning of every season!), but every filter/home will have different needs based on use or conditions. Trust your instincts when it comes to this task&amp;mdash;if you're a shedding pet owner or notice lots of dust accumulating in your home, you'll know to change your furnace filter more regularly.&lt;/p&gt;
&lt;h2&gt;Cupboards &amp;amp; Drawers&lt;/h2&gt;
&lt;p&gt;Kitchen cupboards and drawers are prone to grimy build-up, especially in the colder months when you're likely cooking indoors more often. Luckily, this task is relatively simple and provides instant gratification. Start by removing everything from one shelf or drawer, assessing if it needs to stay or go (expired/never going to use), and then wipe the empty interior down with some all-purpose cleaner and a&amp;nbsp;&lt;a title="microfiber cloth" href="https://www.makersclean.com/products/general-purpose-microfiber-cloth"&gt;microfiber cloth&lt;/a&gt;. Make sure the surface is completely dry, and then replace your belongings.&lt;/p&gt;
&lt;h2&gt;Declutter The Entryway &amp;amp; Closet&lt;/h2&gt;
&lt;p&gt;Your front entryway and closet can become a dumping ground for shoes, boots, jackets, accessories, junk mail... the list goes on. As the Winter season comes to an end, it's time to get this space in working order for the spring. This means removing everything that is no longer seasonally appropriate, cleaning up all the salt and/or slush stains, and returning your space to a clean slate for the weather ahead. If you don't need the deep freeze-rated parka or boots anymore, put them into storage and keep one coat and a pair of lighter-weight boots for the remainder of the season.&lt;/p&gt;
&lt;h2&gt;&amp;nbsp;&lt;/h2&gt;
&lt;h2&gt;Swap Out Seasonal Clothing&lt;/h2&gt;
&lt;p&gt;While we're on the topic of putting away your deep-freeze items, now would also be a good time to go through your bedroom closet and decide what you plan to swap out when the warmer weather arrives. If you have a handful of items that never got worn during the colder months, consider moving on from them&amp;mdash;selling or donating them will save you space, declutter your space, and potentially bring you in a few dollars! If you'd like a more detailed breakdown of how our founder and cleaning expert, Melissa Maker, handles this seasonal swap, check out our&amp;nbsp;&lt;a title="closet changeover guide" href="https://www.makersclean.com/products/closet-changeover-guide"&gt;closet changeover guide&lt;/a&gt;.&lt;/p&gt;
&lt;h2&gt;Clean Exterior Windows&lt;/h2&gt;
&lt;p&gt;Last but certainly not least, cleaning your exterior windows can make a world of difference in how *sparkly* your home will look this spring. Depending on the size of your home and the number of windows you have, this can be a daunting task that you may need to break up over a few days (or weekends). There are products you can buy to help out, like an&amp;nbsp;&lt;a title="window sqeegee" href="https://www.makersclean.com/products/window-cleaning-squeegee-microfiber-scrubber"&gt;extendable squeegee&lt;/a&gt;, but ultimately, you want to make sure that you're tackling this job in the safest way possible (please, don't stack two ladders on top of each other to reach your third story windows!!). If it's in the budget, calling in a local window cleaning company can be the easiest way to get this job done fast (and without incident).&lt;/p&gt;
&lt;p&gt;And there you have it! Five pretty easy&amp;mdash;and a couple more challenging&amp;mdash;tasks to kickstart your 2024 spring cleaning! If you'd like a more in-depth walkthrough, we have a comprehensive&amp;nbsp;&lt;a title="spring cleaning guide" href="https://www.makersclean.com/products/spring-cleaning-guide"&gt;spring cleaning guide&lt;/a&gt;, complete with checklists for each area in the home.&lt;/p&gt;</description>
      <enclosure url="https://shelleycorley.ca/wps/rest/63857/post/8124082/image.jpeg" type="image/jpeg" />
      <pubDate>Mon, 18 Mar 2024 17:40:36 GMT</pubDate>
      <guid>https://shelleycorley.ca/blog.html/5-tips-to-kickstart-your-2024-spring-clean--8124082</guid>
      <dc:date>2024-03-18T17:40:36Z</dc:date>
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