Canadian Armed Forces
ON THE MOVE A GUIDE TO RELOCATING
Forces armées canadiennes
EN DÉPLACEMENT UN GUIDE POUR LA RELOCALISATION
Posted to Winnipeg and surrounding areas in 2018? THE
Clements
GROUP
Kelly Clements Jeff Kulikowsky Sales Representative
Manager Client Care y
PROUDLY SERVING OUR MILITARY FAMILIES WITH: Complimentary relocation package couriered to you within 24 hours; 24 years of experience; personal prospecting web siteget up to the minute listings emailed to you daily; assisted more than 2000 buyers/sellers
Kelly Clements S.R.E.S., C.E.R.C. RE/MAX Executives Realty 3505 Roblin Boulevard, Winnipeg, MB R3R OC6
The Clements Group Registered Relocation Specialist Seniors’ Real Estate Specialist Canadian Employee Relocation Council
204-987-9808 1-877-778-3388 www.theclementsgroup.ca kelly@theclementsgroup.ca
BUYING OR SELLING...
WE MAKE IT A STRESS FREE MOVE WITH THE CLEMENTS GROUP
ON THE MOVE
A GUIDE TO RELOCATING
On The Move: A Guide to Relocating is created especially for military families preparing to move to a new base or wing.
WITHIN THE GUIDE, you will find helpful tips to make your moving and buying experience a positive one. Educating yourself every step of the way will ease your stress, and make posting in and out trouble-free. Dozens of businesses in this guide are set to help you with your move. Discover what they can do for you, and support these businesses that support you, the military family.
INDEX About Your New Base BRITISH COLUMBIA CFB/BFC Esquimalt ................................. 6 CFB/BFC Comox .................................... 15 ALBERTA CFB/BFC Edmonton .............................. 21 CFB/BFC Cold Lake ............................... 30 CFB/BFC Wainwright ........................... 34 MANITOBA CFB/BFC Shilo ........................................ 36 CFB/BFC Winnipeg ............................... 38
ONTARIO CFB/BFC Borden ................................... 43 CFB/BFC Meaford .................................. 47 CFB/BFC North Bay .............................. 49 CFB/BFC Trenton ................................... 53 GARRISON Petawawa ............................. 55 CFB/BFC Kingston ................................ 60 CFSU/USFU Ottawa .............................. 67 GARRISON Toronto .................................. 79
QUEBEC CFB/BFC Valcartier ................................ 85 CFB/BFC Bagotville ............................... 88 CFB/BFC Montreal ................................. 91 CFB/BFC Saint-Jean ............................ 93
What Millennials Want in a Home ...... 31 Readvanceable Mortgages ................... 32 Get Top Dollar Buying or Selling ....... 33 Changes in Relocation Services ......... 35 Contractor: Pay Up Front or Not? ..... 37 Avoidable Home Buying Mistakes .... 39 Hurricanes and Flooding ..................... 42 Electric Shock: Keep Kids Safe ......... 45 Benefits for New Homebuyers .......... 46 Buying a Home: Five Forms You Need to Understand .................. 52 Must-have Guide to Selling .................. 57 Tips on Getting New Windows .......... 59 Creating a Connected Home ............. 62
Preparing Your Home for a New Pet ...................................... 65 Three Steps to Building a Rainy Day Fund.................................. 70 Check Radon Levels ............................... 74 Know Your Property ................................ 77 HHT - Prepare Ahead ............................ 81 Keep Your Kitchen Looking Fresh........................................ 82 Get Older Trees Inspected Before Ice Storms............................. 83 3 Steps to a Hands-Free Home ............................. 94 Renovate for Fire Safety ...................... 98
NEW BRUNSWICK 5 CDSB/BS 5 Div CA Gagetown ........... 95 NOVA SCOTIA CFB/BFC Greenwood ........................... 96 CFB/BFC Halifax ..................................... 97
Editorial CF Newspapers ......................................... 5 Four Things to Think About When Listing Your Home ................... 9 A Beginner's Guide to Buying Appliances .............................. 11 Sea King Retirement Event .................. 12 Condos: Steer Clear of Surprises ....... 17 Common Home Buying Pitfalls .......... 19 The Role of an Agent ............................. 23 Should You Forego the Home Inspection ....................... 24 Find the Right Neighbourhood ........... 25 Create an Ideal Income Suite ............. 28 How to Avoid Real Estate Fraud ........ 29
BROUGHT TO YOU BY THE
CANADIAN FORCES NEWSPAPER ASSOCIATION
AND
FIND
YOUR BASE LEGEND NAVY AIR FORCE ARMY HQ YUKON NUNAVUT
NORTHWEST TERRITORIES
BRITISH COLUMBIA
LABRADOR NEWFOUNDLAND
ALBERTA
3 1
4
SASKATCHEWAN
MANITOBA
QUEBEC
17 6
2 5
12
ONTARIO
13
21 10
9 19 7
16 15
11
20 18 8
2 CFB ESQUIMALT
3 CFB EDMONTON
4 4 WING COLD LAKE
5 CFB SHILO
6 17 WING WINNIPEG
7 CFB BORDEN
8 8 WING TRENTON
9 GARRISON PETAWAWA
10 22 WING NORTH BAY
11 GARRISONS ST-JEAN AND MONTREAL
12 3 WING BAGOTVILLE
13 CFB VALCARTIER
14 CFB GAGETOWN
15 CFB HALIFAX
16 14 WING GREENWOOD
17 CFB WAINWRIGHT
18 CFB KINGSTON
19 CFB MEAFORD
20 GARRISON TORONTO
1
19 WING COMOX
21 CFSU OTTAWA DEFENCE HQ
4
14
On The Move: A Guide to Relocating
canadian forces
Get connected to your new community.
NEWSPAPERS
LE JOURNAL ADSUM Valcartier Garrison, QC www.journaladsum.com
SERVIR St-Jean and Montreal Garrisons, QC www.journalservir.com
THE AURORA 14 Wing Greenwood, NS www.auroranewspaper.com
THE SHILO STAG CFB Shilo, MB https://www.cafconnection.ca/Shilo/In-MyCommunity/Shilo-Stag-Newspaper.aspx
BORDEN CITIZEN CFB Borden, ON www.pspborden.com/citizenonline THE CONTACT 8 Wing Trenton, ON thecontactnewspaper.cfbtrenton.com THE COURIER 4 Wing Cold Lake, AB www.couriernews.ca LOOKOUT CFB Esquimalt, Victoria, BC www.lookoutnewspaper.com NORTH BAY SHIELD 22 Wing North Bay, ON www.cafconnection.ca/North-Bay/ In-My-Community/Newspaper.aspx
TOTEM TIMES 19 Wing Comox, BC www.cafconnection.ca/Comox/In-My-Community/Newspaper-Totem-Times.aspx TRIDENT CFB Halifax, NS www.tridentnewspaper.com LE VORTEX DE BAGOTVILLE 3 Wing Bagotville, QC www.vortexbagotville.com THE VOXAIR 17 Wing Winnipeg, MB www.thevoxair.ca WESTERN SENTINEL CFB Edmonton, AB
PETAWAWA POST Garrison Petawawa, ON www.petawawapostlive.ca THE POST GAZETTE CFB Gagetown, Oromocto, NB
On The Move: A Guide to Relocating
5
BRITISH COLUMBIA
CFB/BFC
ESQUIMALT ABOUT VICTORIA
SUR VICTORIA
Victoria is located on the southern tip of Vancouver Island, and is the largest of British Columbia’s 6,500 islands. It is known for its temperate climate, natural beauty, recreational sites, and university and colleges.
Victoria est située à l’extrémité sud de l’île de Vancouver, la plus grande des 6 500 îles que compte la ColombieBritannique. Elle est connue pour son climat tempéré, la beauté de sa nature, ses lieux de loisirs et ses universités et collèges.
The city was first settled by Europeans in the 1840s, and incorporated in 1862. As the capital city of B.C., it is home to the provincial legislature and many government offices. From 1843 to present, Victoria has been a naval city and today it is the home of the Royal Canadian Navy’s Pacific Fleet. CFB Esquimalt employs approximately 4,000 military members and 2,000 civilians and is home to Maritime Forces Pacific and Joint Task Force Pacific. CFB Esquimalt contributes over $500 million to the economy through their payroll, supplies, services and construction. It is also the third largest employer in the area. CFB Esquimalt is close to numerous golf courses that are open year-round, and is also only a few hours from world-class skiing and snowboarding (Mt. Washington and Whistler), as well as great surfing (Tofino) and is only minutes from rock-climbing (Fleming Beach). The current population of the Greater Victoria Area is about 350,000. The core municipalities are the City of Victoria, Saanich and Oak Bay, followed by the Western Communities (Colwood, Langford, View Royal, Highlands, Metchosin, and Sooke), and the Saanich Peninsula (Central and North Saanich and Sidney.) Greater Victoria is the southernmost urban area in Western Canada; it is located south of the 49th parallel.
Des Européens s’y sont d’abord établis dans les années 1840, et la municipalité a été constituée en 1862. En tant que capitale de la Colombie-Britannique, Victoria abrite les édifices de l’Assemblée législative provinciale et de nombreux bureaux de l’administration. Depuis 1843, Victoria est une ville navale. Elle est maintenant le port d’attache de la Flotte du Pacifique de la Marine royale canadienne. La BFC Esquimalt emploie quelque 4 000 militaires et 2 000 civils, et est le siège des Forces maritimes du Pacifique et de la Force opérationnelle interarmées (Pacifique). Elle injecte plus de 500 millions de dollars dans l’économie locale en salaires, en fournitures, en services et en construction. La base est également le troisième employeur de la région. La BFC Esquimalt se trouve à proximité de nombreux terrains de golf ouverts toute l’année. Elle est à quelques heures de route de stations de ski et de planche à neige de calibre mondial (mont Washington et Whistler). On peut pratiquer le surf à Tofino, et la base se trouve à quelques minutes d’un site d’escalade (Fleming Beach). L’agglomération de Victoria compte aujourd’hui plus de 350 000 habitants. Ses principales municipalités sont la Ville de Victoria, Saanich et Oak Bay; les communautés de l’Ouest (Colwood, Langford, Vew Royal, Highlands, Metchosin et Sooke); la péninsule de Saanich (Saanich Centre et nord, et Sidney). Le Grand Victoria est la région urbaine de l’Ouest du Canada située la plus au sud, soit en dessous du 49e parallèle.
6
On The Move: A Guide to Relocating
Victoria, British Columbia
WESTHILLS PROUDLY PRESENTS FOUR OF OUR MOST POPULAR BRANDS OF HOMES
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COMING SPRING 2018
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On The Move: A Guide to Relocating
7
Mary Brookes Royal LePage Coast Capital Realty Licensed since 1989
Saxee Poin Poin ointt Park Pa , Esqu quima imalt
Exceptional service... year after year. Serving Victoria and surrounding area!
Call or text!
250-889-2621 or email: MaryBrookes@RoyalLePage.ca
Throughout my 28 years of experience, I have successfully catered to many DND buyers and sellers. I’d be honoured to help you!
8
On The Move: A Guide to Relocating
Victoria, British Columbia
4 THINGS
to think about WHEN LISTING YOUR HOME y
g
g
yo your ou urr rea e l es esta tate te inv nves estm es t en tm nt. t
to o ens nsur u e th hei eir expe p rience is a good one: 1. RESEARCH PROSPECTIVE AGENTS. As with anything, a realtor’s skillset can vary. While som me may specialize in condominiums, others may focus on the luxury ma arket. Before selecting your agent, do your homework and make sure they are a good fit. Generally, it is best to select an agentt with h a de d ep understanding of yo our property type and area. 2. INT N ERVIEW YOU UR AGENT AND AS SK FOR A PRES SENTATION N. Arrange t mee to e t with a prospective agentt whi hile all decision-makers r are e at the t ble. Thi ta h s wi w ll allllow you to make an info ormed dec e ision and determine how they will help you u selll your home. 3. BE TRANSPARENT. Make sure your agen nt knows what’ss on your min i d. Are Ar e yo y u conc n er e ne n d ab bout the time meliline n ss of the sa ne s le? Ar A e yo y u fi f rm m on a c rt ce rtai a n pr ai pric ce? Any y inf nformation tha at yo you ca c n pr p ovid ide e willl he ellp sm smoo oo oth out th he sell se ellin llllin ing g pr p oc oces esss an es and d im mpr p ove yo ourr sat a issfa fact c io ct ion. on. n 4 PRI 4. R CI C NG N . Re Rega g rd ga rdle ess ss of wh whet ethe et herr it he i ’ss a buy u er e ’s ’s,, se ellller e ’s ’s or ba b la an nc ced d ma m arrk ket, ett, a h ho ome e tha at iss pri r ce ced d co corr rrrectl ec ctl t y wi willllll offttten en selll mu m ch ch fas aste tte er. Whe hen lissttin lilist ng yo ourr home, ome, om e, be su ure e to ssiit it do ow wn n witth yo y ur ur age g nt nt and nd dec ecid cid ide eo on na valu va lue th that a ac cc c cur urat ur ate at atel elly re reflec flec fl ects the ects he ma arrrke ke k e et. t. t.
i
Find more tips on selling your home at www.royallepage.ca
Courtesy: News Canada
Family owned and operated, our buildings are maintained with pride! Bachelor, 1, 2 & 3 Bdrms ʞˀ Ü΍ßˀßÊˀÅĂÝĂ&#x;Ä‚Ä?ĨÄÜÎ ʞˀQĂŽĹ…Ë€5Ä?ĂßĨˀKÍÊÌßà ˀPÅäÌßÎĥˀ ˀˀˀʾˀKÂŤÄßÊÄ?ŋˀĂĚÎßˀɡɚˀäÄ?ÄĄ ʞˀˀ5ÄÜÜŋˀrĂŽĂźÄ‚Ę Ë€ ÌĥäŅĥäÎÄ?ÄĄ ʞˀPĂßÌĨĂÄ?ĂŽĂŠË€vĂŽĂ…ÄÄ?ÌĨŋˀ ÝÎÄ?ÂŤÄĄ ʞˀ:΍ĨˀßÊˀäĂĨˀŅĨÎÄ?ˀÌßÅÜÄĂŠĂŽĂŠ
SENIORS & MILITARY RATES OFFERED
948 ESQUIMALT RD. vÂŤÄĂźÂŤĘ Ë€Ă&#x;ÌĨßÎĥĥˀÄ?Ä‚Ä‚ĂťĘĽĘ Ë€ÉşË€ĂťĂŚĂźĘĽË€ĂŠÄ?ÌńÎʍˀˀ ɜɾˀÝÌßʼˀŅÜôˀĨĂˀ 5 Ë€$ÄĄÄœÄÌݍÜĨ
100 - 3185 Tillicum Road, Victoria, B.C. V9A 0C7
Victoria, British Columbia
980 WORDSLEY ST. ÂŤĂ…Ă´ÄĄË€Ä‚ĂźÄ¨Ä‚Ë€ÂŤË€ÄœÄÌÎĨˀÄ?ÎĥÌÊÎßĨ̍Üˀˀ ßÎÌà äÄĂÄ?äĂĂÊˀÌßˀ$ÄĄÄœÄÌݍÜĨ
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Check out our website for other vacancies in the Greater Victoria area:
www.eyproperties.com
On The Move: A Guide to Relocating
9
VICTORIA’S RELOCATION EXPERTS
CHECK OUT OUR WEBSITE
www.mcleanrealestategroup.ca
For a Smooth Transfer to Victoria Give Us a Call
Jodi
Geoff
Darren
Victoria's Real Estate Experts
4440 Chatterton Way, Victoria BC V8X 5J2 Toll free: 1.800.663.2121 info@mcleanrealestategroup.ca
WWW.MCLEANREALESTATEGROUP.CA
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On The Move: A Guide to Relocating
Victoria, British Columbia
a beginner’s guide to
BUYING APPLIANCES
With so many options to consider, shopping for appliances can sometimes feel overwhelming. Function, size and design — it’s about finding the right model for your lifestyle. Here are a few helpful insights from The Home Depot Canada to consider before making your next appliance purchase.
Refrigerator
Range
Dishwasher
Function. The sky’s the limit when it comes to configuration — top-mount, bottom-mount and side-by-side are just the beginning. Review your daily needs and consider special features such as easy access doors, multi-tier freezer sections, icemakers, second refrigerator drawer options, convertible freezer sections, wine chillers and even smart homeconnected capabilities.
Configuration. New designs have a host of convenient options available, like double ovens that cook at two different temperatures simultaneously, and warming and baking drawers to help with multi-tasking and entertaining. If space is tight, also consider installing a separate cooktop for maximum flexibility in your kitchen.
Capability. Take the work out of washing dishes by opting for a dishwasher with multiple tiers and washer arms for full water coverage. To ensure your cycle doesn’t stop until your dishes are clean, look for models with new sensor technology that monitor food debris in the water. Ensure the model you choose considers future changes to your family size so it grows with you, and look into getting a model with a third rack.
Design. Think outside traditional white or stainless-steel finishes. Instead, bring a contemporary feel to your kitchen with slate, glossy or matte black stainless or even a warm, gold-hued veneer.
Cooking requirements. If take-out is your regular go-to, a standard electric model will work for your needs. However, if you are an aspiring chef take it up a notch and consider going with either gas or induction, which both deliver intense heat for quick cooking and boiling. If you have small children, induction cooking is a safer alternative because the coils are underneath glass, protecting little hands.
Efficiency. Energy efficient options can provide long-term savings to your monthly bills. For example, two-drawer dishwashers operate like separate dishwashers in one unit, offering increased flexibility and efficiency. To save you time, look for bonus features such as quiet operation or advanced cleaning functions. Courtesy: News Canada
British Columbia
On The Move: A Guide to Relocating
11
19
63 - 2018
SEA KII NG G RETIREMENT
FAREWELL The Th e lo long long n es est serv serv se rvin ing in g ai airc rcra rc r ft ra f in th he Ro Roya yall Ca ya Cana nadi dian di an n Air ir For orce c ce Th Ca The Cana nadi dian an Arm rmed ed For orce ces, s, Roy oyal al Can anad adia ian n Ai Airr Fo Forc rce, e, and C an and Ca ana nada a wililll sa ay fa farewe re ewe welllll to the th he wo worrk kho hors orsse of of th he e airr forc fo rce, ce, e, the he CHH-12 24 Se Sea a Ki King ng helic ellic icop cop opte opte er in in lat ate e No N ve v mb ber e/ earl ea rlyy De rl Dece c mb ber e 201 18 8.. This Th his i ver ersa sa ati t le shiphip hi p--bo born rne rn e ma mari riti iti time me hel elic icop opte ter has been in oper op erat atio ion n se s rving g Canada a since 196 9 3. 3 In hon onou ourr of thi hiss hi historric i fin inal alle, the h Roy oyal a Canadian Air Force is inviting currentt an Fo and d fo f rmer millit i ar aryy me memb mber ers, s s, their families, and th d go gove verrnment nt dig ignitari r es to jo j in the hem m in n Vict Vi ctoria,, BC ct C, fo forr a tw twoo da odayy re reti tire ti reme re ment me nt eve vent nt.. nt
The ce The cele lebr brat atio ion st s arrts with a Fr F iday ay meet and greet at CFB FB E qu Es quim imal alt' t''s Ch Chie iefs ie f ' an fs and d Pe Pett ttyy Of Offi fice cers rs' Me ess s ; • fol o lo lowe we ed th the e ne next xt dayy by a Se S a Ki King n Ret ng etir irem ir irem emen entt Pa en P ra rade de at 443 44 3 MH Squ uad adro ro on an nd Se Sea a Ki King ng Cer e em emon onia iall Fl Flyy Pa Past st on st the 44 th 443 3 MH M Squ quad ad dro ron n Fl Flig ight htliline ne in Pa Patt Ba Bay, y, and nd;; • ending on a high note wit i h a Fo it Form rmal rm al Sea Kin ing g Re Reti t re ti ement ment me M sss Din Me inne n r on the ne e Sat a ur urda dayy in da n the 443 Mar arit ittim ime e Helilico He copt pter er Squ quad adro ron' n'ss ne new w ha hang ngar ar Aru rund ndel el Cas astl tle. e. F r mo Fo more re inf nfor orma or mati ma t on ti o , or to bu buyy ti tick ck ket e s go o to sk skr1 r18. 8.ca ca
Leah Victoria Werner Results that Move You!
Posted to Victoria?
During my husband’s RCMP career, I personally experienced six transfers. I know about the stress, headaches, and disappointment that can come with selling your home or with house hunting trips. If you are looking for someone who goes the extra mile to ensure your move goes as smoothly and enjoyable as possible, give me a call. Whether you are buying or selling, near or far; RCMP, Military or Government, I am committed to providing you with the most professional and honest Real Estate services possible.
Call 250.474.6003 or email realestatevictoria@shaw.ca
Tricia McIntosh
SOMEONE YOU CAN TRUST FOR YOUR MORTGAGE NEEDS
(250) 830-4022 email: tricia@triciamcintosh.ca web: www.triciamcintosh.ca
Cutting Edge Lending 208-1830 Oak Bay Avenue, Victoria, BC, V8R 6R2
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On The Move: A Guide to Relocating
Web: www.leahvictoriawerner.com
I specialize in assisting RCMP and DND families with federal government transfers across the country. Let me work on your behalf to find you the best mortgage product for your situation and financial needs, as well as the best available rate.
Independently owned and operated company of the Mortgage Alliance network.
Victoria, British Columbia
Relocating to or from Southern Vancouver Island? We are ourselves ex-servicemen and understand what your needs are. Serving Victoria to Nanoose and specializing in everywhere in between! Call The Johannsen Group of Realtors for service thatâ&#x20AC;&#x2122;s second to none.
Kim Johannsen Ex-Navy
Theresa Carter Buyer Specialist
Rod Macintosh Ex-Army
The Johannsen Group of Realtors Toll Free 1.888.748.8088 | Direct 250.748.8080 mail@kimjohannsen.com | www.kimjohannsen.com
Victoria, British Columbia
Duncan - Mill Bay
On The Move: A Guide to Relocating
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T H E
NEALESTATE
FOR A FREE CONSULTATION CALL
TEAM
250-386-8181 800.255.3411
Victoria’s Real Estate Experts
For Your Real Estate Dreams
Victoria's Real Estate Experts
More than 4,000 dreams fulfilled!
Go with those who know!
R Ron
A Aprilil
S Sean
BJ
R th Ruth
JJamie i
R d Randy
N th Nathan
H t Hector
IRP EXPERIENCED, APPROVED, RECOMMENDED
Serving Greater Victoria and CFB Esquimalt as well as Southern Vancouver Island Including Victoria West, Saanich (East, West, Central and North), Sidney, Oak Bay, Westshore (Langford, View Royal, Colwood, Highlands, Metchosin, Sooke), Shawnigan Lake, Mill Bay and Cobble Hill.
When posted to/from Vancouver Island our Relocation Experts are on side for you!
BROOKFIELD APPROVED
RE / MAX Alliance Victoria
Find your dream home with us today. Victoria – CFB Esquimalt Serving Greater Victoria since 1991
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On The Move: A Guide to Relocating
www.RonNeal.com Victoria, British Columbia
BRITISH COLUMBIA
CFB/BFC
COMOX ABOUT COMOX Located mid-way up Vancouver Island’s east coast, the Comox Valley offers spectacular natural surroundings. Bordered to the west by the Beaufort Mountain range and to the east by the Strait of Georgia, 19 Wing Comox members can enjoy mountain and ocean activities yearround. The valley boasts short, mild winters and warm, dry summers. There is great skiing in the winter months and summer brings mountain biking and hiking opportunities. Every manner of outdoor activity, including golfing, kayaking, sailing and world-class diving is easily accessible. Made up of three distinct townships, including the town of Comox, the city of Courtenay and the village of Cumberland, the Comox Valley is a vibrant, growing community. All levels of schooling from kindergarten through to post-secondary education are available, including French Immersion and Francophone programs. There is shopping, local transit, a new acute care hospital, museums and art galleries in the area. The Comox Valley is serviced by a civilian air terminal, with regular service to and from Vancouver, Calgary and Edmonton. BC Ferries has terminals in Nanaimo and Victoria offering sea links between Vancouver Island and mainland BC. 19 Wing Comox has enjoyed an outstanding relationship with the Comox Valley since it opened as a Roy Royal Air Force Base in 1942. Today 19 Wing employs approximately mately 1,500 military and civilian personnel. We loo ook k forward d to wel elcoming you to our beautiful Como Co mox x Valley!
SUR COMOX Située sur la côte est de l’île de Vancouver, à mi-chemin entre l’extrémité sud et l’extrémité nord de l’île, la vallée de Comox offre un paysage grandiose. Dans cette région bordée à l’ouest par les monts Beaufort et à l’est par le détroit de Georgia, les membres de la 19e Escadre Comox peuvent pratiquer des loisirs de montagne et de mer toute l’année. Les hivers y sont doux et courts et les étés, secs et chauds. En hiver, le ski est fantastique, et en été, il y a plein d’endroits où l’on peut faire du vélo de montagne et de la randonnée. Il est très facile d’y mener toutes les activités de plein air, y compris le golf, le kayak, la voile et de la plongée sous-marine de calibre international. Formée de trois municipalités distinctes, soit la ville de Comox, la ville de Courtenay et le village de Cumberland, la vallée de Comox est une collectivité dynamique en pleine croissance. On y trouve des écoles pour tous les niveaux, de la maternelle au niveau postsecondaire, ainsi que des écoles d’immersion française et des programmes francophones. La région offre des magasins, des transports publics, un nouvel hôpital de soins actifs, des musées et des galeries d’art. La vallée de Comox a une aérogare civile d’où partent des vols réguliers la reliant à Vancouver, à Calgary et à Edmonton. La compagnie BC Ferries possède des gares maritimes à Nanaimo et à Victoria, qui offrent des liaisons maritimes entre l’île de Vancouver et la partie continentale de la Colombie-Britannique. 19e Escadre Comox a bénéficié d’une relation exceptionnelle avec la vallée ée de Com Comox depuis son ouverture en tant que base de la Royal Air Force en 1942. Aujourd’hui, la 19e Escadre emploie environ 1.500 pers pe rson o nels militaires et civils. Nous nou ouss réjouisson onss de vous accueillir dans la magn ma gnif ifiq que vallé ée de Com omox o !
British Columbia
On The Move: A Guide to Relocating
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On The Move: A Guide to Relocating
Comox, British Columbia
CONDOS: HOW TO STEER CLEAR OF
unwanted surprises y
As a condo owner or renter, you may assume that you don’t need household insurance because it’s covered by the regular monthly condo fee. But although the condominium corporation must carry insurance on the building, it does not cover everything. Both owners and renters can avoid costly mishaps by taking the following steps: ASSESS YOUR SPACE. Regularly check for any damage g — even if it’s minor — to the walls, ceiling, g floors, countertops, windows and doors. Make sure to che heck ck und nder er sin inks ks for lea eaks ks or ot othe herr is issu sues es wit ith h your pipes. The earlier you catch these problems, the th e ea easi sier er the heyy wi willll be to fix ix.. If you hav ave e a ba balc lcon ony, y, inspect it for damage from the elements. Even an adjacent unit, for example, can have water run-off from the balcony and can cause rust stains.
GET THE APPROPRIATE INSURANCE. If you own the unit, you’ll need condo insurance that also covers the immovable parts of your condo such as your countertops, bathtub and sink, and any improvements you’ve made such as laying in new flooring or renovating the kitchen. If you are a tenant, make sure personal contents are covered, as well as any additional living expenses you would incur should your condo become unfit to live in due to a claim. With the right insurance plan you can avoid unwanted, costly surprises. Companies like Belairdirect can help navigate and determine the right type of insurance for your condo-living needs.
CHECK YOUR APPLIANCES. The kitchen is usually the room with the most complex wiring. Chec Ch eck k fo forr bu burn rn mar arks ks aro roun und d th the e pl plug ug and soc ocke kett fo forr appliances such as your dishwasher, fridge, washer, dryer and air condition system. If you’re using an extension cord for any one of your appliances, make sure su re you use the rig ight ht one for the job — the here re are spec sp ecia iall co cord rdss ra rate ted d fo forr us use e wi with th app pplilian ance cess, and als lso o ones specifically for outdoor use. If you’re renting, don’t rely only on your landlord to do these checks — do them yourself and let your landlord know if there are any issues that need attention.
IN THE COMOX VALLEY
Comox, British Columbia
i
On The Move: A Guide to Relocating Find more information online at belairdirect.com
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On The Move: A Guide to Relocating
Comox, British Columbia
AVOID THESE
PITFALLS Courtesy: News Canada
Buying a home can be stressful as prospective homeowners do their best to make a good decision in what will likely be the biggest financial decision of their lives. Many know that mistakes are costly, but identifying pitfalls can be difficult. Here, Todlynn MacPherson of Royal LePage Truro Real Estate identifies some of the most common mistakes.
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You’ve waived the home inspection. Buying a home can be an emotional rollercoaster, especially for those in highly-competitive markets. Sometimes, it can feel like the only way to secure the purchase is to waive the home inspection. This can be a very costly mistake. Your dream home may be hiding a leaky roof, major foundation problems or an out-of-date electrical system.
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Your deposit is not readily accessible. This is one of the hurdles you don't want to face on your closing day. In some competitive urban markets, it is even more important to be ready in case there are multiple offers. Manage your banking before you fall in love with your dream home, and don’t forget to account for other funds you may need during the process.
You’ve removed the condition of financing. Pre-approval is not the same as acquiring a mortgage. When buyers omit the financing condition thinking that pre-approval means guaranteed funds, problems can arise if the lender cancels or reduces the approved amount when the home is appraised at less than what you are paying.
i British Columbia
Your new home adds pressure to buy new things. Buyers can be swept up in their new purchase and tempted to redecorate with all new furnishings. It is best to wait to determine what you really need. Don’t overextend yourself until you are certain your needs are paid off. Your sacrifices were more than you considered. If you pushed yourself to settle for a neighbourhood far from work, your commute time may have increased. Perhaps you didn’t realize how much you enjoyed being able to walk to your favourite restaurants, shops or parks. Make a list of musthaves and try to visualize what your life would be like in the new property.
More information can be found at www.royallepage.ca
On The Move: A Guide to Relocating
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On The Move: A Guide to Relocating
Comox, British Columbia
ALBERTA
CFB/BFC
EDMONTON ABOUT EDMONTON 3rd Canadian Division Support Base Edmonton (commonly referred to as Edmonton Garrison) plans and manages the delivery of a range of support and services that are needed by other Canadian Armed Forces units and their members. To enable success of the units/members that are supported, the base provides personnel and administrative support, range and training areas, infrastructure and building maintenance for over 317 buildings in Edmonton, Whitehorse and Yellowknife. The base is located in Sturgeon County on the Northeast border of the City of Edmonton and covers 2,550 hectares of land. The main site is named Steele Barracks after Sir Samuel Steele, an original founding member of the Northwest Mounted Police.
The City of Edmonton In 1904, Edmonton was declared a city. The following year Edmonton was named the provincial capital of Alberta. Today, Edmonton is Canada’s 6th largest city, offering all the amenities of a major urban centre plus a family-friendly environment that is safe, stimulating and rich with opportunity. Edmonton is one of Canada’s most ethnically diverse cities with more than 60 ethnic and cultural groups. Well known for its vibrant cultural life, diverse business community and outstanding river valley park system, Edmonton is a great place to call home. Check out the links below for more on why over one million people call Edmonton “home”.
Alberta
SUR EDMONTON La base de soutien de la 3e Division du Canada Edmonton (communément appelée garnison d’Edmonton) planifie et gère la prestation du soutien et des services dont d’autres unités et membres des Forces armées canadiennes ont besoin. Pour que les unités et les militaires qui reçoivent ce soutien puissent réussir, la base fournit un soutien au personnel, un soutien administratif, des champs de tir et des zones d’entraînement, de l’infrastructure et de l’entretien de bâtiments dans plus de 317 immeubles à Edmonton, Whitehorse et Yellowknife. La base se trouve dans le comté de Sturgeon, à la périphérie nord-est d’Edmonton, et elle occupe un terrain de 2 550 hectares. Le site principal est le casernement Steele, nommé en l’honneur de Sir Samuel Steele, un des fondateurs de la Police à cheval du NordOuest.
La Ville d’Edmonton Edmonton est devenue officiellement une ville en 1904. L’année suivante, elle est devenue la capitale de l’Alberta. Aujourd’hui, Edmonton est la sixième ville du Canada par la taille. On y trouve tout ce qu’un grand centre urbain peut offrir dans un environnement propice aux familles qui est sûr, stimulant et riche en possibilités. Edmonton est l’une des villes canadiennes les plus diverses sur le plan ethnique; on y trouve plus de 60 groupes ethniques et culturels. Réputée pour sa vie culturelle dynamique, son milieu des affaires diversifié et son réseau de parcs exceptionnel dans la vallée de la rivière, Edmonton est un endroit où il fait bon vivre. Suivez les liens donnés ci-après pour découvrir pourquoi plus d’un million de personnes ont choisi de vivre à Edmonton.
On The Move: A Guide to Relocating
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Edmonton THE ESPOSITO REAL ESTATE TEAM
VANTAGE REALTY LTD.
Priority REALTOR® buyer services for all Canadian Armed Forces members
Extensive experience with military transfers to CFB Edmonton
Multiple Phone/FaceTime consultations before your House Hunting Trip so we are fully prepared when you arrive in Edmonton
Access to all brand new & used homes in the surrounding areas including Edmonton, St. Albert & Morinville
Finding a Realtor ltor wh w who o va vvalues lues wh w what at yo yyour ur fa ffamily mily is i looking n fo fforr go ggoes es a long longbway.b n wa w y. y u h eve v ry step. He met and ex eexceeded ceeded all we w could’ve v asked fo ffor! r! Aldobguided us throug through every step.bHebmet JAY & CYNTHIA HIA CFB EDMONTON N
was a wa AldobEspositobwas t us u fantastic host to ek lo llong n ng during our week House Huntingg Tr Trip! T rip! w nt we w Every day he we went wellll y nd to yo t above and beyond a make our lives as simple as possible. ble l . We W would recommend mend Aldo and his team! eam! ZACK & AMANDA ANDA N CFB EDMONTON
ESPO.ca
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780.999.9240
On The Move: A Guide to Relocating
info@espo.ca
Edmonton, Alberta
THE
ROLE OF AN
Agent
If you have a sore tooth, you consult a dentist. If your furnace breaks down, you call up an HVAC specialist. Why wouldn’t you consult an agent when buying or selling the most expensive purchase of your life?
Courtesy: News Canada
If you are looking to enter the real estatte market,, you u want someone who is experienced and has exten nsive e local knowledge in the area. While the idea of being ei g your own agent may be appealing, flyiing solo coulld end up costing you a lot more in the long run n than the agent’s commission you save. Buying or selliing ga home is not only a major financial underrtaking, but an emotional one as well. “From valuing and strategically pricing your prop pe y perty so it sells quickly to understanding how to stage e a space so it appeals to more poten ntial buye ers, a professional real estate agent knows ho ow to naviigate e this process on your behalf,” advisess Christo opherr Alexander, regional director at Re/Max In ntegra. Here’s how an agent can help you next time e you decide to buy or sell: IT’S A NUMBERS GAME. One of the biggest valu lu uee adds of hiring a real estate agent is the Multiple Listi tin ng Service (MLS) they can provide that opens up the door to literally thousands of people and pro operties. The h re he is no comparison when it comes to the exposure a rea eall estate agent brings to the table versus private selling. IT’S A FULL-TIME JOB. A real estate agent gent lives and breathes the market — it’s their job to know. If you are buying or selling on your own, you are responsible for the endless research, telephone tag and negotiations, all tasks that can add countless hours on top of your other responsibilities. Also, if you are late responding to requests that come in, potential buyers may think you are not interested and decide to move on. THE FINE PRINT. An agent will have signed a legal agreement to do their best to represent your interests as your partner. You will have the peace of mind knowing that your biggest purchase or biggest sale is being well managed. Plus, when it comes to the fine print, you can rest assured that an experienced real estate agent can help clarify and guide you through the process without racking up costly legal fees.
BEN OFFICER CD Edmonton’s NICE Military REALTOR®
AS A BUYER, IT’S FREE. When you are weighing the pros and cons, remember that as a buyer, you don’t pay to use a real estate agent. The agent’s commissions are split with the selling agent. Save yourself the time of searching, calling and booking all the appointments and have a trusted professional help save you time and potentially even money.
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Find more information online at remax.ca
Alberta
Call or Text: 780-266-4418 Email: ben@niceagents.ca WWW.NICEAGENTS.CA
On The Move: A Guide to Relocating
23
Should you?
forego the home inspection Courtesy: News Canada
There here he e are re man any y impo im mpo port rtan rt tantt de d ciisiion ns to to make ake wh ak when e se elll in ng or buy u in ng a home m , bu b t fe f w ar are e as a cru uci c al al as the th e ho h me inspection process. You can n pro r tect ct you our fina fi n nces nc cess and cre eat ate e a le l sss str tres esssf s ull, mo ore rew ewar ardi d ng real re all estat atte ex xpe p ri rien ence e whe en you you ma yo make ke e an in nfo form rmed e ch hoice e. “It is imp m ortant to understand what ho ome me ins nsspe pect ctio ct ons n typi ty pica ally y cover, r ” reco c mmends Norm Jensen of Ro Roya y l L Pa Le age g Network Realty Corp. “A home e in nsp s ec ction on has implications for pricing considerations and n g ne go oti t ations. As a selller, you can use an inspectio on to o iden id de tify f problems that can be repaired before you u list your home. As a buyer, you can include needed rep p irs pa to amend the purchase agreem ment.” Here are key guidelines to help along the way: A ho ome inspect ctio ion is a vissual as asse sess se s ment and a report bas assed on w wh hat is observed on a certain ain day. As such ch, a home inspe p cttor can a no nott see e or o fin eve fi find v ryth thing. For exa amp mple e, th t ey may not o be e able to i spect certain areass concealed by sno in n w.
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Understand the parameters of o the h home insp pection and nd d thatt ha avi ving n one is not a warranty ng or guarantee ee e.
There is no such ch thi h ng as a perfect house. Don’t be concerned if the inspection reveals some problems. Use th his is information as part of your negotiations, or as a seller, have an advance inspection and take care of necessary repairs before you list the home.
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As a buyer, you are paying for an obje j ctive opinion on the home. A good agent uses good home inspectors. It is important to know that your reportt iis as comprehensive h i as possible. ibl
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In competitive markets, buyers often feel pressured to waive the hom o e inspection as a condition of purchase. As a result, costly repairs that have not been budgeted for can arise after the sale is complete. It is always best to get a home inspection and an agent can help navigate the process and answer your questions.
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More information is available at www.royallepage.ca
POSTED? FIND AND COMPARE TOP MORTGAGE OFFERS FAST. SHOWING DIFFERENCES BETWEEN LENDERS FOR FREE!
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Alberta Clients: Mortgage Select Ltd. #384-16 Midlake Blvd, SE, Calgary, AB. H.O. 403 256-0046 o/a The Mortgage Centre, Each Office is Independently Owned and Operated
Tom Gasparec, AMP, Mortgage Associate
On The Move: A Guide to Relocating
Call 866-492-4024 thinkmortgage.ca
Calgary, Alberta
MOVING? right neighbourhood HOW TO FIND THE
The search for the perfect house begins with the search for the perfect neighbourhood, which can be daunting. Searching for something so open-ended and with so many variables can be an overwhelming task, but it doesn't have to be. You just have to know where to start your search and where you can take it from there. Get ready to find that dream neighbourhood. SEARCH YOURSELF. You can't really know what to look for in a neighbourhood until you know exactly what you want. Make a list, take your time. Write down the things that really matter to you. Decide priorities. Order your list from most to least important. Moving in with your partner? Have them do the same, and see where your priorities line up p and where you diverge. Now that you know wha h t you want, it's time to go get it.
streets feel. Are they lit enough at night? Would it be nice to go for a run through your neighbourhood? Make sure you visit each of your candidate neighbourhoods. SEARCH THE STATS. While you hunt at street level, make sure you take your research to a bird's-eye view at the same time. You would be amazed at the kinds of things you can learn about a neighbourhood just from its census data. How old are people there? How many kids are in the neighbourhood? How many people are home owners? How much are the average monthly costs to live there? What languages are spoken in the neighbourhood? Combine your research with your street-level hunting and you'll soon find yourself walking through the perfect neighbourhood for you and your family.
SE EARCH AR RCH H THE STR TREE EETS TS.. Don't und derestimate the impo im port rtan ance e of th this is ste tep p. You really can't know a neiighb ne hbourhood hb h d until you've walked its streets at several diff di ffer ff eren er entt ti en time m s off dayy. Ge me Gett a fe feel ell forr the e lev evel e of trraf affic affi fic an nd no nois ise, is e, dec ecid id de if if you ou'r u'rre ok kay with itth itt. Se See ho how w tth he
Courtesy: www.newscanada.com
i
Find more information at www.statcan.gc.ca/census
We have successfully helped over 400 Military Families buy & sell in the Edmonton Area. A TOP 3% in CANADA Royal LePage Realtor. n, A TOP 10% DONOR to the Shelter Foundation, creating safer homes & communities by supporting women’s shelters & violence prevention programs.
Customer service without compromise! Call today for a complimentary, no-obligation Market Evaluation. Rob VanOuwerkerk CD
Brad Redekopp
“Doc” Donnelly MMM CD
CALL DOC TODAY! NORALTA REAL ESTATE Independently Owned & Operated
Calgary, Alberta
thedocteam.ca 780.984.8887
Tel: 780.984.8887 Fax: 780.431.5624 dougdonnelly@royallepage.ca This is not intended to solicit properties already listed for sale.
On The Move: A Guide to Relocating
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On The Move: A Guide to Relocating
Edmonton, Alberta
MASTER Your Next Move
LynnMasters.com
Let’s work together to make your Real Estate experience enjoyable and satisfying. Call Today! oĝĂßÎġġæĂü«öʿʝʿvôæööÎÊʿQÎàĂĨæ«ĨĂĝʿʝʿ ĝĂĂôßæÎöÊʿ ĚĚĝĂńÎÊ
Lynn Masters Real Estate Agent
Maxwell Challenge Realty 201, 6650 177 Street, Edmonton, Alberta T5T 4S5
Lynn@LynnMasters.com 780-991-2162 Lynn Masters Realtor
C HA L L ENG E R EA LTY
@LynnMasters
Margaret Geall, CRMS Senior Mortgage Broker Tel: 780.905.7996 Email: margaretgeall@invis.ca
Chip Reverse Mortgage Specialist
Apply online TODAY!
Margaret Geall Mortgages
www.margaretgeallmortgages.ca
@MGeallmortgages
Edmonton, Alberta
On The Move: A Guide to Relocating
27
CREATE AN IDEAL INCOME SUITE
TOP
From the condominium craze to the rise of multigenerational living, the climbing cost of homeownership across Canada continues to spawn new trends. The transformation of basements into rental suites is a big one that can help offset mortgage costs. There are plenty of advantages, as well as some important considerations to ensure the best result. DO YOUR HOMEWORK. Check zoning, bylaws and adhere to your local building code. As with any new construction or renovation, building permits must be obtained, and all work must be code compliant. This will protect you and any future tenants. WATERPROOF IT. Check the interior foundation and floors for existing moisture issues, water damage or mould problems. Address any primary moisture issues before finishing the space. INSULATION IS KEY. As a landlord, it's wise to invest in smart renovations that can improve efficiency and bolster your bottom line. For the best results, insulate well. I recommend installing a rigid board insulation, like Rockwool ComfortBoard 80, against the concrete foundation before you stud the wall. The board is mechanically fastened or
TIPS
Courtesy: C Cou Co ou urttesy: News Canada
Courtesy: www.newscanada.com
adhered to the concrete foundation wall, which prevents thermal bridging through the studs, providing p better thermal performance. Finish with a moisturebe resistant and dimensionally stable insulation between the studs, like R14 Comfortbatt, to protect against common basement issues such as mould, mildew and rot. CONSIDER FIRE SAFETY AND SOUNDPROOFING. Select building materials with a high fire-resistance rating that will not off-gas or contribute to toxic smoke in the event of a fire. Soundproofing is also a must when you plan to share space. Install sound absorbent insulation between floors with resilient channels to reduce sound transfer between living areas. Contractors love stone wool fire and soundproofing insulation, because it protects against fire and noise and is easy to install. SPEND WISELY. Keep the renovation budget reasonable. Spending no more than two years' worth of rent to convert your space is a good general rule of thumb. Forego high-end finishes. Instead, create focal points that will “sell” the suite. Scott McGillivray is the host of the hit HGTV series Income Property and Moving the McGillivrays, a full-time real estate investor, contractor, author, and educator.
Posted to Edmonton? WE SERVE EDMONTON AND SURROUNDING AREAS
Services Bilingues
Reliable, Respected… Recommended
780-377-2517 www.paulblais.ca 28
On The Move: A Guide to Relocating
RE/MAX ELITE
Edmonton, Alberta
How to avoid
FRAUD Courtesy: C ourttesy: www.newscanad www.newscanada.com da.com
As housing prices climb in many markets across the country, real estate fraud can become a much more enticing prospect for scammers. While it's one of the lesser known kinds of fraud in Canada, its impact can be devastating.
Protect yourself from becoming a victim of real estate fraud with these simple tips: 1. Safeguard your personal financial information. 2. Contact your mortgage lender first if you are having difficulty making your mortgage payments.
There are two types of real estate fraud that may result in financial losses — title fraud and foreclosure fraud.
3. Consult your lawyer before giving another person a right to deal with your home or other assets.
Title fraud happens when a fraudster steals the title to a home — usually after stealing the owner's identity — then sells the home or applies for a new mortgage against it. Foreclosure fraud happens when homeowners having difficulty making their payments mistakenly turn to a fraudster, who convinces them to transfer their property title in return for a loan. Often, the fraudster keeps their loan payments and resells or remortgages the victim's home.
4. Research the company or individual who is offering you a loan. 5. Do a land title search with your provincial or territorial land registry office. This search will show the name of the property owner and any mortgages or liens registered on the title. Consider buying title insurance to protect against title fraud.
i
Find more information online at canada.ca/money
Posted to Edmonton? Client Care is my top priority! With 10 years of experience as a Realtor, I have a great appreciation for understanding the stresses associated with a Transfer – the timeline for Buying and the preparations for Selling.
Cindy Cook Office: 780.406.4000 Cell: 780.441.1086 Email: cindycook@remax.net Web: www.cindycook.ca
Experienced with Military/Government Transfers – both Buying and Selling
Edmonton, Alberta
On The Move: A Guide to Relocating
29
ALBERTA
CFB/BFC
COLD LAKE ABOUT COLD LAKE
SUR COLD LAKE
Cold Lake is located at the eastern-most extreme in the province of Alberta. It is approximately 294 kilometres northeast of Edmonton.
Cold Lake se trouve en Alberta, près de la frontière est de la province, à environ 294 kilomètres au nord-est d’Edmonton.
Incorporated in 1996 through amalgamation of the former towns of Grand Centre, Cold Lake and Canadian Forces Base 4 Wing, Cold Lake became a city in 2000. These three areas are now known as, respectively, Cold Lake South, Cold Lake North and Medley. The three main industries in the area are: military, oil and gas and tourism. Cold Lake has a permanent population of just over 14,000. If choosing a home based on schools in the area, Cold Lake North has an elementary school (K-3), a middle school (4-8), a high school (9-12) and a Catholic elementary school (K-6). Cold Lake South has an elementary school (K-3), a middle school (4-8), two off campus schools (7-9 and 10-12), a Catholic elementary school (K-6) and a Catholic junior/senior school (7-12). There is a francophone school (K-12) which is located between Cold Lake North and Cold Lake South. Post Secondary education is available in the city and the surrounding area at Portage College and Lakeland College. The Art Smith Aviation Academy (ASAA) is located on CFB Cold Lake (K-8). The Academy was taken in by the Northern Lights School District in 2013, where it was before a not-for-profit private school. ASAA is focused on the specialized needs of military dependants while supporting the students of the area surrounding 4 Wing Cold Lake by offering a uniquely aviation focussed program in the ideal setting of the air base. base Cold Lake offers a selection of health facilities including the Cold Lake Health Centre and Cold Lake Community Health Services as part of the local Primary Care Network. Private practises are accepting new patients and information on these services is available through the Wing Orderly Room, the Military Family Resource Cent Ce ntre re and hea ealt lth h in info formation phone lines.
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On The Move: A Guide to Relocating
Après la fusion en 1996 des anciennes villes de Grand Centre et de Cold Lake, et de la 4e Escadre des Forces canadiennes, Cold Lake est devenue en 2000 une municipalité constituée en personne morale. Les trois secteurs sont désormais appelés respectivement Cold Lake Sud, Cold Lake Nord et Medley. Les trois principaux moteurs économiques de la région sont les forces armées, le pétrole et le tourisme. Cold Lake compte un peu plus de 14 000 habitants. Si l’on choisit sa maison en fonction des écoles de la région, il faut savoir que le secteur de Cold Lake Nord possède une école primaire (M-3), une école intermédiaire (4-8), une école secondaire (9-12) et une école élémentaire catholique (M-6). Le secteur de Cold Lake Sud possède une école primaire (M-3), une école intermédiaire (4-8), deux écoles hors campus (7-9 et 10-12), une école élémentaire catholique (M6) et une école intermédiaire et secondaire catholique (7-12). Il existe une école francophone (M-12) située entre les secteurs de Cold Lake Nord et de Cold Lake Sud. On peut poursuivre des études postsecondaires au collège Portage et au collège Lakeland. L’Art Smith Aviation Academy (ASAA, M-8) est située à la BFC Cold Lake. Cette ancienne école privée sans but lucratif a été intégrée au district scolaire Northern Lights en 2013. L’ASAA met l’accent sur les besoins particuliers des enfants des militaires, tout en accueillant les élèves des environs de la 4e Escadre Cold Lake qui souhaitent suivre un programme unique axé sur l’aviation dans le milieu idéal d’une base aérienne. Cold Lake a de nombreux centres de soins de santé, y compris le Cold Lake Health Centre et les Cold Lake Community Health Services, qui font partie du Réseau des soins de santé primaires local). Des cliniques privées acceptent de nouveaux patients; pour en savoir davantage sur leurs services, informez-vous auprès de la salle des rapports de l’escadre ou du Centre de ress re ssou ources pour les familles des militaires, ou appelez les lilign gnes téllép pho h ni niqu qu ues e d’iinf n orma ati t on sur la santé.
Alberta
what
MILLENNIALS
want in a
When entering the residential market, it’s important to appeal to as many people as possible, especially young, firstt-ti fi time homebuyers. b They’re ’ one off Canad da’’s fasttestt g owing gr g markets, but their tastes and pr p iorities are quite different. Courtesy: www.newscanada.com
HERE ARE THE TOP THREE FACTORS INFLUENCING MILL MI LLEN ENNI NIAL ALS’ S’ PUR URCH CHAS ASIN ING G BE BEHA HAVI VIOU OUR: R:
“The next generation of first-time homebuyers knows exactly what they want in their first major investment,” explains Christopher Alexander, regional director at Re/ Max Integra. “Sellers need to be strategic before putting thei th eirr ho home me on th the e ma mark rket et to ap appe peal al to th thes ese e ne need edss.””
LOCATION, LOCATION, LOCATION. It’s widely known that finding a home in the right neighbourhood can significantly increase ROI long-term, and millennials are taking extra note. But homes in communities where new schools and amenities are being built are attracting youn yo u g bu buye yerss loo ooking g for o “what at’ss nex e t, t,” ra ath t er e tha an what’s hot now. Up-and-coming neighbourhoods that are slated to receive investment from the city or are under redevelopment are prime for real estate investments as smart millennial buyers realize their value will only continue to rise. If the neighbourhood is walkable, that’s a bonus. SMARTER LIVING. With exciting advancements in the ever-growing tech industry, preparing your home to appeal to a hyper-connected millennial market is easier than ever. From installing fridges that text you when you’re low on milk to wireless light switches, sellers who make even a small investment in a smarter home will instantly attract tech-savvy first-time buyers. Adding innovations such as a programmable thermostat will not only make your home appealing to the eco-conscious young buyer — the remotely adjustable tech can also help lower your utilities bills as you wait for your closing date. LOOKING AHEAD. As a home is typically the first major investment most millennials make, it needs to be able to suit their growing list of needs. While young buyers may not have children now, many are already considering multi-bedroom homes and properties with backyards in anticipation of a soon-to-be expanding family. Investing in backyard landscaping and clearing out clutter to make space pace for f a possible ssible play area or nursery is a great way to appeal to young young families looking for a hom home they can see themselves lves gr grow ow in.
Cold Lake, Alberta
“PART OF YOUR COMMUNITY SINCE 1992” FURNITURE
MATTRESSES
A APPLIANCES
ELECTRONICS
On The Move: A Guide to Relocating
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house hunting
Understand Readvanceable Mortgages You’ve saved up a 20 per cent down payment and are eager to get into the real estate market. For the remaining amount, it’s likely your bank will offer you a readvanceable mortgage. But should you take it?
typically at an attractive interest rate. At first glance, this may seem appealing. But keep in mind any applicable fees and the risks of tying different credit products together before signing on the dotted line.
This popular product, marketed under different names from one bank to another, combines term mortgages with home equity lines of credit. Like a credit card, the amount of money available in your line of credit decreases as you borrow and increases as you pay it back. Your credit limit may also increase automatically as you pay down your mortgage. Some lenders bundle other financial products like car loans or credit cards together under a readvanceable mortgage,
Readvanceable mortgages make it more complicated and expensive to switch lenders to get a better interest rate when your mortgage is up for renewal. You may need to repay all credit products tied together under the readvanceable mortgage. And because it’s secured by a collateral charge against your home, there are additional legal fees you wouldn’t incur when moving a traditional mortgage.
“Lenders can demand that you repay your home equity line of credit, lower your credit limit or increase your interest rate at any time,” cautions Lucie Tedesco, commissioner of the Financial Consumer Agency of Canada. “This would impact all credit products bundled together in your readvanceable mortgage.” Remember that a home equity line of credit is secured using your home as collateral — meaning if you can’t pay back the money you owe, your lender can take possession of it. Courtesy: www.newscanada.com
i Find more information online at canada.ca/money
32
On The Move: A Guide to Relocating
Alberta
Get top dollar
SELLING YOUR HOME
RENTING OUT AN INCOME SUITE
Scott McGillivray Cour Co urte tesy sy:: Ne News ws Can anad ada a
I’ve sold and rented more than my fair share of real estate over my career. To get the most from my investments, I’ve come to know what works and what doesn’t. While a lot of variables can influence a property’s potential, one of the biggest is wow factor. How your home or rental suite shows to perspective buyers or renters is hugely important, because you really want them to make an emotional connection with your property. – Scott McGillivray
Here’s a few sure fire ways to make sure that happens:
MAKE IT MODERN Nothing kills a property’s potential faster than the feeling that it’s tired or dated. But, it doesn’t always take a full-scale renovation to achieve a transformation. A fresh coat of paint on walls or cabinets, a new countertop, revitalized flooring, new hardware or cabinet pulls and good lighting can all take a space from boring to brilliant.
MAKE IT SHINE A clean home or income suite suggests to prospective buyers or renters that it’s well maintained, creating all important peace of mind. Before the property goes to market, vacuum, dust, wash floors and baseboards, clean all surfaces, including inside closets and cupboards (you’ll be amazed where people look). For fast removal of dirt or stains on carpet and upholstery, use a spot cleaning appliance like the Hoover Spotless Portable Carpet and Upholstery Cleaner. It’s fast, easy to use, and unlike other models, it includes a selfcleaning option for the hose to prevent grime and odours from building up inside the unit.
GIVE IT CURB APPEAL Cut the lawn, power wash the driveway and walkways, pull weeds, plant flowers, and trim trees and shrubs. Stage outdoor areas to appear as an extension of indoor living spaces, so buyers or renters can picture themselves relaxing or entertaining there.
KEEP IT OPEN Another deal-killer is clutter. It’s hard to get a sense of the space or to picture yourself living there if you can’t get past all the stuff as you walk into a room. When staging, remove bulky furniture and personal possessions. Let as much natural light in as possible. Open, airy and bright spaces are definitely more sought-after.
TELL A STORY Set your table so buyers can imagine the perfect dinner after a long day at work or stage the bath like a dream home spa. The idea is to make your home or space feel like it could provide the lifestyle they’re aspiring towards.
On The Move: A Guide to Relocating
33
ALBERTA
CFB/BFC
WAINWRIGHT ABOUT WAINWRIGHT Amidst a bold prairie, Wainwright is hard working, community-minded, family-first and recreation master planned. We value what it means to be free. From our foundation lies a future where determination gets you everywhere while recognizing the value of building piles of fall leaves with a child, a game of catch with the dog, or coffee with the neighbour. Wainwright is a community of over 7,000 (including the population of Wainwright Garrison). It is located in east central Alberta near the Battle River Valley and is approx. 2 hours east of Edmonton. We offer a lifestyle that provides the amenities of a modern city, with the availability of big box stores, but still retains the atmosphere of a vibrant rural community. Our quality lifestyle is enhanced by excellent schools for our children, extensive health care facilities and an unlimited array of year-round recreational opportunities. We are full of events year-round including our annual Arts Festival in February and our Wainwright Stampede in June. The Stampede is 4 days of action packed family fun and entertainment. Visitors will enjoy the 5th largest rodeo in Canada including CPCA Chuck Wagon Races, Stampede Parade, Cabaret, a fun filled midway, breakfasts, BBQ’s and much much more! Other sites to see include Wainwright’s Historic Downtown featuring a collection of beautifully restored heritage resources including a business district of 1929 era buildings. As well as our free standing Memorial Clock Tower, Bud Cotton Buffalo Paddock at the gates to CFB/ASU which houses a live bison herd and our newly restored 1925 wooden pump jack in Petroleum Park.
34
On The Move: A Guide to Relocating
SUR WAINWRIGHT Située dans une vaste praire, Wainwright est une collectivité de gens travailleurs où règne un esprit communautaire qui accorde la priorité à la famille et est conçue de façon à favoriser les loisirs. Nous apprécions notre liberté. Nos assises mènent à un avenir où la détermination vous ouvre toutes les portes tout en reconnaissant l’importance de faire des tas de feuilles mortes à l’automne avec un enfant, de jouer à se lancer une balle avec son chien ou de prendre un café avec son voisin. Wainwright est une collectivité de plus de 7 000 habitants (ce qui comprend la population de la garnison de Wainwright). La ville est située dans le Centre-Est de l’Alberta près de la vallée de la rivière Battle, à environ deux heures à l’est d’Edmonton. Nous offrons un style de vie qui comprend les services d’une ville moderne, dont des magasins à grande surface, mais conserve encore l’atmosphère d’une collectivité rurale dynamique. À notre style de vie de qualité s’ajoutent d’excellentes écoles pour nos enfants, des installations complètes de soins de santé et un éventail illimité d’activités récréatives offertes toute l’année. Il y a une foule d’événements toute l’année, dont notre festival des arts annuel en février et le stampede de Wainwright en juin. Le stampede offre quatre jours de plaisir et de divertissement remplis d’action pour la famille. Les visiteurs aimeront le 5e plus grand rodéo au Canada, y compris les courses de chariots bâchés de la CPCA, le défilé du stampede, le cabaret, un parc d’attractions amusantes, des déjeuners, des BBQ et bien plus encore! On peut également voir d’autres sites comme le centreville historique de Wainwright, qui comprend une collection de ressources patrimoniales magnifiquement restaurées, dont un quartier d’affaires avec des bâtiments de l’époque de 1929. De plus, il y a notre Memorial Clock Tower installée debout, l’enclos à bisons Bud Cotton aux barrières de la BFC/USS où se trouve un troupeau de bisons vivants, et notre chevalet de pompage en bois de 1925 nouvellement restauré à Petroleum Park.
Alberta
CHANGES IN EFFECT
Relocation Services As of December 1, 2017, Canadian Armed Forces (CAF) members will see changes in how relocation services are delivered. Relocation benefits will remain the same. However, face-to-face services with an advisor will be replaced with 24-hour online access to your personal file through a computer or an application. This will include everything from your relocation budget to all the important relocation information to help you move. If you canâ&#x20AC;&#x2122;t find the specific answer you need online, a contact centre will be open weekdays from 8 a.m. to 8 p.m. Eastern Time. In addition, members will be given a â&#x20AC;&#x153;cash cardâ&#x20AC;? so families will no longer have to pay up-front, out of their own pockets for their approved moving expenses. The new, reloadable, declining balance ReloCardâ&#x20AC;&#x201D; which is a cash card, not a credit cardâ&#x20AC;&#x201D;will provide CAF members and their family money to cover relocationrelated expenses for everything from meals and hotels to appraisers and lawyers. A trusted CAF partner for the past two decades, BGRS (formerly Brookfield Global Relocation Services) will
Wainwright, Alberta
deliver these new serrvices. hed a BGRS have establish new contact centre, where enced more than 100 experie staff will guide CAF members and process theiir expense claims. The new model is designed to be flexible and cusstomized to each user. Mem mbers can receive estimates for ovided expenses and be pro tasks, timelines, and financial information base ed on benefits according to each situation and family cirrcumstances. The secure, web-ena abled, self-service system wiill coordinate and manage all aspects of the relocation n and help the member navigate the menu options to: View relocation budget, track and request advance of funds, upload receipts, track expenses, and submit claims; Search general information at their destination, including new schools and hospitals; Review the directory to select third-party service providers, such as realtors, home appraisers, and lawyers; Access important and relevant relocation information, including video presentations and fact sheets; and Review emails or conduct live chat sessions, phone calls, and video calls in the â&#x20AC;&#x153;Communications
Hu ub. b.â&#x20AC;? Agents wilil be e ava vailila ab ble e we eek e days y from 8 a. a.m m. to 8 p. m. p.m. m. m. East Ea sttern Time e. In addition, And drro oid d and n App pple e iOS apps ensur urre me u memb mberrs can mb use their o ow wn pe pers rsson rson nall devices to ma ana age theirr re ellocation anywhe here re e at anyy time me. As per er Can anad adaâ&#x20AC;&#x2122; aâ&#x20AC;&#x2122;ss new Defence
NR HM
Poli Po oliicy cy Sttrron ong, g, Secur ure, ur re, e, En ng gag aged ed, d, th his mod der erni nize ni nize ed se erv rvic rvic ce iiss de e-ssiign g ed to o me eet et the evo volv lv ving in ng needs of CA AF mem AF embe bers and nd their families. It will improve ac cce c ss s to iin nfo nfo ormation to enable tim imelly, y well-informed relocatio on de d ci cisi sion ionss at both place of ori rigi g n and d destination.
NRHM Nickerson Roberts Holinski & Mercer Barristers and Solicitors
Nickerson Roberts Holinski & Mercer is one of Wainwrightâ&#x20AC;&#x2122;s most trusted law Ă&#x20AC;UPV ZLWK RYHU \HDUV RI H[SHULHQFH TERRY B. ROBERTS, Q.C. Approved Relocation Lawyers 3URYLGLQJ 5HDO (VWDWH )XOO /HJDO 6HUYLFHV :$,1:5,*+7 2)),&( ² 6WUHHW :DLQZULJKW $% 7 : ( 3KRQH )D[ (PDLO WUREHUWV#QUKPODZ FRP RU UHDOHVWDWH#QUKPODZ FRP ('021721 2)),&( ² 6WUHHW (GPRQWRQ $% 7 ( & 3KRQH )D[ Providing Quality Legal Services to the Public Since 1972
On The Move: A Guide to Relocating
35
MANITOBA
CFB/BFC
SHILO ABOUT SHILO
SUR SHILO
As one of the largest employers in southwestern Manitoba, CFB Shilo has a substantial economic impact on the regional economy, including the City of Brandon. CFB Shilo has been the site of military activity in southwest Manitoba since 1910.
La Base des Forces canadiennes (BFC) Shilo, un des plus grands employeurs du Sud-Ouest du Manitoba, a une incidence importante sur l’économie de la région, y compris la ville de Brandon. La BFC Shilo est le site d’activités militaires dans la région depuis 1910.
Located 35 kilometres east of Brandon, CFB Shilo is home to First Regiment Royal Canadian Horse Artillery (1RCHA), and Second Battalion Princess Patricia’s Canadian Light Infantry (2PPCLI) — both units are part of 1 Canadian Mechanized Brigade Group (1CMBG). The Base is also home to a component of 3 Canadian Div TC C Coy Shilo, 3 CDSG SS Det Shilo, 1 Dental Unit Det Shilo and 11 CF Health Services Centre, as well as being the “home station” of the Royal Canadian Artillery (RCA). Other supported units include 26 Field Regiment, RCA Brandon’s Reserve Unit and 38 Canadian Brigade Group headquarters, located in Winnipeg. CFB Shilo remains a strategically important training base in Western Canada. The training area is well suited to train the multi-purpose combat forces required to fulfill the mandate of the Department of National Defence (DND). The unique nature of this area has been recognized for more than a century, with nearby Camp Hughes once home to 30,000 troops who trained for deployment to France and Belgium in 1915 and 1916 during the Great War. With a current population of about 1,700 people, the Base has approximately 600 homes, operates its own sewer and water system and provides fire and ambulance services to Base resid dents and neighbouring communities. The GSH houses a po ool ol, tr t ac ack k, ful ulll gy gym, plus a bowliing pl g alllley and d th he eat atre re. Near arby by Gunne ner Arena is i home ho me to Ba Base se hocke k y, as w we ellll as a mi mino norr ho hockey o pro rogr gram usin us ing in g th t e mo moni nike k r Sh S ililo Se S nt ntin inel ells. e
36
On The Move: A Guide to Relocating
Située dans le Sud-Ouest du Manitoba, à 35 kilomètres à l’est de Brandon, la BFC Shilo héberge le 1er Régiment de la Royal Canadian Horse Artillery (1 RCHA) et le 2e Bataillon du régiment Princess Patricia’s Canadian Light Infantry (2 PPCLI). Ces deux unités font partie du 1er Groupe-brigade mécanisé du Canada (1 GBMC). À la base se trouve également une composante de la Compagnie C du CI Shilo de la 3e Division du Canada, les SS du GS 3 Div C, détachement de Shilo, la 1re Unité dentaire, détachement de Shilo et le 11e Centre des Services de santé des Forces canadiennes. Maison mère de l’Artillerie royale canadienne (ARC), elle offre aussi son soutien au 26e Régiment d’artillerie de campagne, à l’unité de réserve de Brandon de l’ARC et au quartier général du 38e Groupe-brigade du Canada, situé à Winnipeg. La BFC Shilo demeure une base d’instruction de l’Ouest canadien revêtant une grande importance stratégique. Les terrains d’instruction y sont très bien adaptés à l’entraînement des forces combattantes polyvalentes dont le ministère la Défense nationale a besoin pour remplir son mandat. La nature unique de ces terrains est connue depuis près d’un siècle : le camp Hughes a déjà accueilli tout près de là 30 000 hommes qui y ont reçu leur instruction avant d’être déployés en France et en Belgique en 1915 et 1916, durant la Grande Guerre. Avec ec une u population d’environ 1 700 personnes, la base compte e quelque q 600 maisons, possède ses propres réseaux d’aqu aqueduc et d’égout et fournit des services de prot pr o ection contre tre l’incendie l’ et des services ambulanciers aux x résidents de la base et des communautés enviro ronnantes. Le Gener neral Strange Hall abrite une p sc pi scin ine, une e piste de course, se, un gymnase entièrement éq qui up pé é, un ne sa s lllle e de e quilles et un n cinéma. cin Les équipes de la a bas ase se jo ou ue ent n au ho hock c ey ck e à l’aréna Gunner, Gun non loin de llà à, q qu ui of o ffrre ég é a allem e en entt un u pro r gramme de e hockey h mineur grrâc g â ce a au ux S Se ent ntiin nel e s de d Shi hilo.
Manitoba
Think carefully before paying a contractor up front Courtesy: News Canada
Think very carefully before paying. Then think about finding a different contractor. Outside of specific circumstances — such as pre-ordering high-value custom products that cannot be returned, paying for permit fees, road cuts, tree removal, building demolition, or moving hydro wires — down payments for work not yet completed should never amount to much more than 10 per cent of the total cost. If your contractor is providing design services separately from renovation services, these may also need to be paid for prior to the construction work starting. Reputable reno professionals shouldn’t need your money to finance their business and should bill you in proportion to what has been completed. A deposit serves mainly to confirm your good faith commitment to the project, as set out in your contract.
You’ve decided to get going on your dream renovation and worked out the details with a contractor. Now you’re anxious to get the work started. But the contractor wants half the money up front. What should you do?
If a contractor wants most or all the money up front (and often in cash), they may be running an under-thetable operation, cheating on their taxes, skipping building permits and proper business insurance — all of which put you at risk. These are situations where fly-by-night contractors may not do the work promised and the homeowners may never see their money again. And without a written contract, there will be almost nothing they can do about it.
work completed. That’s fair to both you and the contractor. Small jobs may only require a small deposit and full payment upon completion. In no case should you have to pay a large percentage or all of the costs before the work is done. For consumers, the key to renovating the smart and safe way lies in being informed about how the renovation business works.
Most renovation contracts, particularly for larger projects, have a clear payment schedule laid out that ties payments to progress milestones, so you pay an amount proportionate to the percentage of
i
You can find a wealth of practical information from the Canadian Home Builders’ Association at www.getitinwriting.ca
Posted to Shilo? TWO Locations to serve you CANEX Mall, Shilo, MB 1-204-765-2876 633 18th Street, Brandon, MB 1-204-725-8800 1-888-277-6206
Accredited RRLP Realtors®! • Years of experience in Military Transfers & 1st Time Home Buyers
Helping you is what we do.
• We contact the lawyers, home inspectors, mortgage brokers for all your real estate transactions • Hassle free buying and selling
www.royallepagebrandon.ca Shilo, Manitoba
On The Move: A Guide to Relocating
37
MANITOBA
CFB/BFC
WINNIPEG ABOUT WINNIPEG With an ethnically diverse population of 706,900, Winnipeg is the ninth largest city in Canada and dominates the Manitoba economy. Winnipeg has grown steadily over the year, and top ranked industries include: aerospace, manufacturing, agribusiness, garment and apparel industries, film production, health and biotechnology research, information technology and transportation equipment manufacturing. The city is the sunshine capital of Canada, with over 2,300 hours of sun annually. Winnipeg has a continentaltype climate, enjoying four distinct seasons. There are significant temperature variations through the year generally ranging from highs of +35 degrees Celsius to lows of -40 degrees Celsius. Its location in the center of the continent means that the city benefits from being in North America's central time zone. Culturally, Winnipeg is home to the world famous Royal Winnipeg Ballet, one of the most prestigious dance troupes on the globe. Its cultural counterparts include The Winnipeg Symphony Orchestra and Manitoba Opera Association. For Royal Canadian Air Force personnel, all roads will lead to 17 Wing Winnipeg. The Wing - comprised of squadrons, training schools and command elements, turn out what are considered some of the best multiskilled personnel in the world. 17 Wing is a composite formation conducting and supporting flying operations and a variety of training and command functions. The Wing also supports 113 units stretching from Thunder Bay, Ontario, to Border and from the 49th the Saskatchewan/Alberta Saskatchewa / Parallel to the high Arctic. Wing located Forces Base Winnipeg. 17 7W in ng is loc ocat oc atted at at Canadian Ca
SUR WINNIPEG Comptant une population d’une grande diversité ethnique de 706,900 habitants, Winnipeg se classe au neuvième rang des grandes villes canadiennes et domine l’économie du Manitoba. Winnipeg a connu une croissance soutenue au fil des ans. Ses industries vedettes comprennent notamment la fabrication aérospatiale, le commerce agricole, l’industrie des vêtements et accessoires, la production cinématographique, la recherche dans les domaines de la santé et de la biotechnologie, la technologie de l’information, et la fabrication de matériel de transport. Winnipeg est la capitale la plus ensoleillée du Canada, comptant plus de 2 300 heures d’ensoleillement par année. La ville bénéficie d’in climat continental à quatre saisons. On y relève de grands écarts de température au cours de l’année, variant de maximums de 35 °C à des minimums de -40 °C. En raison de son emplacement au cœur du continent, elle bénéficie du fait qu’elle appartient au fuseau horaire du Centre de l’Amérique du Nord. Winnipeg est le point d’attache du fameux Ballet royal de Winnipeg qui est l’une des plus prestigieuses compagnies de danse de la planète. Sa contrepartie culturelle inclut l’Orchestre symphonique de Winnipeg et la Manitoba Opera Association. Pour le personnel de l’Aviation royal canadienne, tous les chemins mênent à la 17e Escadre Winnipeg. L’Escadre comprend escadrons, écoles ultramodernes et éléments de commande, tout compte fait elle forme le meilleur personnel polyvalent du monde. La 17e Escadre est une formation mixte qui soutient et conduit des opérations aériennes et qui remplit dive diverses fonctions liées à l’instruction et commande. sout Elle soutient aussi 113 unités, qui sont dispersées de Thunder Bay (Ontario) à la frontière de la Saskatchewan et de l’Alberta, et du 49e parallèle jusqu’à l’Arctique. 17e Escadre Escadre est située situé à la Base Forces canadiennes La 17e Winnipeg Wi eg e g. g Winnipeg.
38
On The Move: A Guide to Relocating
Manitoba
AVOIDABLE HOME BUYING
Mistakes Y u’ve bee Yo een n sa savi viing for awh ving whilille, weiigh ghin in ng yo our opt ptio ions io n , ns lo ook kin ing g ar arou ound ou nd d cas asua ualllllly. ua y. Now you ou’v ’ve ’v e fiina nallllly de deci cide ci ded de d to to do itt – yo ou’ u’re re rea eady dy y to bu buyy a ho hous use. e. The h pro roce cess ss of bu buyi ying ng g a new hom ho me can be in m incr cred cr edib ed ibly ib ly exc xcit itin it ing, in g, yet str tres e sf es sful u , al ul alll at at onc nce. e. Wher Wh erre do you sta art rt? ? It is is essen nti tial al you do yo your ur hom omew ewor ew ork or k be befo fore fo re e you beg egin in.. Le in Lear arn ar n from fr om the exp per erie ienc ie nces nc es of ot othe hers he rs,, do som rs o e re rese s ar se arch ch.. Of cou ch ours rse, rs e e, with wi th so ma many n det ny etai aiils inv nvol olve ol ve ed, d slilipp up pupss ar a e in nev evit itab it able ab le.. Bu le Butt b be e car a ef eful ul:: lear le arni ar ning ni ng fro rom m yo your ur mis ista take ta kess ma ke mayy pr prov ove ov e co cost sttly y. Usse th the e fo ollllow owin ow ing g lilist st of pi p tffal alls ls as a g id gu ide e to hel e p yo ou av avoi oid oi d th the e mo most stt com ommo mon mo n mi mist stak st ak kes es.. SEARCH SEAR CHIN ING G FO FOR R HO HOUS USES ES WITH WI THOU OUT T GE GETT TTIN ING G PREPR E-AP APPR PROV OVED ED BY A LE LEND NDER ER Do nott mis ista take ta ke pre r -a app ppro rova ro vall by va a le lend nder er wit i h pr p ee-qu qual a if ific i at atio ion. n. Pre re-qual qu alif iffic icat atio at ion, io n the fir n, i st ste tep p to towa ward rd d bei eing n prepr e ap eappr prov pr oved ov ed,, wi ed willll poi oint nt you in th the e ri righ gh ht dire di rect re ctio ct ion, io n, giv ivin ing in g yo you u an a ide dea a of the e pri rice ce ra ang ge of hou ouse sess yo you u ca can n co comf mfor orta tabl by a ford. Pr af Pree ap ppr prov oval al,, ho howe weve ver, r, mea eans nss you yo u be beco come co me a cas ash h bu uye y r, r, mak akin in ng nego ne goti go tiat ti a io at ions ns wit ith h th the e se s lller e muc u h ea asiierr. ALLOWI ALLO WING NG “FI FIRS RST T IMPR IM PRES ESSI SION ONS” S” TO OV OVER ERLY LY INFL IN FLUE UENC NC CE YO YOUR UR DEC ECIS ISIO ION N T e fi Th firs r t im rs mpr pres essi es s on of a ho si home me has a been be en cit ited ed as th the e si sing ngle ng le mos ostt in i fl flue uent ue ntia nt iall ia fact fa ctor or guidi uiidi ding ng man anyy pu purc rcha rc h se ha sers rs’’ ch rs choi oice oi c ce to buy. uy y. Ma M ke a con nsc sciious iouss dec ecis isio ion io n befo be fore fo reha re hand ha nd to ex exam am min ne a ho home me as obje ob ject je ctiv ct ivel iv elyy as el as you can an. Do D n’ n t le l t th the e curr cu rren rr ren e t ow owne ne ers rs’’ st styl yle yl e or lif ifes esty es tyle ty le swa wayy your yo urr jud udgm gmen gm ent. en t Ben t. enea nea e th h the bad a décor écor or éc mess me ssyy ro ss room om ms, s the ese s hom omes es may act ctua uallllllyy ua suit su it you ourr ne need edss an ed and d of offe ferr yo fe you u a sttru ruct ctur ct ural ur ally al ly sound soun so u d ba un base se w with ith it h wh which whic ich ic h to w work. ork or k L Likewise, i ew ik ewis ise is e d n’ do n t ju ump m at a ho ome m sim impl plyy be beca c usse th ca t e walllls ar wa are e pa ain inte ted d yyo our favvou ouri rite ri te colou olou ol our! r! r! Make sure yo ou th thorrou ough ghly ly y inv nves esti tiga gate te the h struct ctur ure e be bene ne eat ath h th the e pa ain intt be befo fo ore you u come to any serious decisi sion ons. on s. FA NG TO FAM FAILIN AMIL LIA IARI RIZE ZE YOURSE SELF F WIT I H TH HE N IGHB NE HBOU OURH RHOO OOD D BEFO BE FORE RE BUY UYIN ING G C ec Ch ck ou outt the th he ne eig ghb bou ourh ourh rhoo o d yo oo you’ u re u’ co onssid ider der e in ing, g, and ask g, k aro oun u d. d Wha hatt amen am e it en itie iess do does es the are ea ha have ve to of offe fer? fe r? Are th Are Ar her ere e sc scho hool ho ols, ol s, chu hurc rche rc hes, he s, par s, arks k , or ks groc gr ocer oc eryy sttor er ores es wit ithi hin hi n re eac ach? h? ? Con onsi side si derr de visi vi siti si ting ti ng sch choo ools oo l in th ls the e ar a ea a if yo you u ha have ve chililildr ch dren dr e . Ho en How w wi willll you u be afffe fect cted ct ed by a ne new w co comm mmut mm ute ut e to wor ork? k Are the k? here re infr in fras fr astr as truc tr uctu uc tu ure pro roje ject je ctss in dev ct evel elop lop opme m nt me nt? t? A l off the Al hese se fac acto t rs wililll in to infl flue fl uenc ue nce nc e th the e wayy yo wa you u ex xpe p ri rien ence en ce you ourr ne new w ho home me,, so me ensu en sure su re you ou’r ’re ’r e we w llll-a -acq -a cqua cq ua ain nte ted d wiith h the e su urr rrou ound ou ndin nd ing in g ar area ea bef efor ore or e pu purc rcha rc hasi ha sing si n . ng
Manitoba
FAILIN FAIL ING G TO HAV AVE E TH THE E HO HOME ME INSP IN SPEC ECTE TED D BE BEFO FORE RE YOU BUY Buyi Buyi y ng a hom ome e is a maj ajor or fin inan a cial deci de cisi ci sion si on tha h t is often en mad a e affte t r ha haviing spe p nt very little time on t e prrop th operrty t itself. A home inspection p rf pe rfor orme med d by a com mpetent com mpa any will help he lp you ent nter e the neg er egot otia ot ia ati tion on pro roce cess ce ss w th eyes wide ope wi pen, off ffering yo ou added reasssuranc re n e that a the choice you’re maki ma kiing is a so soun und d on one, e, or al aler erti ting g you t und to n er erly lyin in ng prob prroble oble ob lems ms tha h t co coul uld ul d co c st s y u sign yo g ific icant mone neyy in n botth th the e sh hor ortt and an d lo long ng-r ng -rrun un.. Yo Your urr Rea ealt ltor lt or can sug gge est s re epu puta ta able le ho home me ins nspe pect pe ctio ct ion io n co comp mpan mp an nie iess f r yo fo y u to t con onsi side si derr an de and d wi willll ens nsur urre th the e appr ap prop pr opri op riat ri ate at e cl clau ause au se is en ente tere te r d in re nto t you ourr cont co ntra ract ra ct.. ct NOT KN NOT KNOW OWIN ING G AN AND D UNDE UN DERS RSTA TAND NDIN NG YO YOUR UR RIG IGHT TS AND AN D OB OBLI L GA GATI TION ONS S AS LIS ISTE TED D IN THE OFF FFER ER TO PU URC RCHA HASE SE
MAKI M MA AKI KING KIN NG AN OF N OFFE FER R BA BASE SED SE D ON THE TH E AS ASKI KING NG PRI RICE CE, NO NOT T TH THE E MARK MA RKET ET VAL ALUE UE Ask As k yo y ur ur Rea ealt ltor lt or for o a cur urre rent re n nt C mp Co mpar arat ar ativ at ive iv e Ma ark rket et Analy na aly lysi sis. si s Thiis s. w ll pro wi rovi vide de you wit ith h th the e in info fo orm r at atio ion n n ce ne cesssarry to o gau a ge the mar arke kett va valu lue e of a ho ome me,, an nd wi willll hel elp p yo you u av avoi oid d ov o er er-p -pay -p ayin ay ing. g g. What Wh at hav ave e otthe herr si simi mila mi larr ho la home mess so me sold ld d for in the are fo for rea a an and d how how lo ho long ng wer ere e th they ey on the mar arke ket? ke t? Wha hatt is the dif iffe fere fe renc re nce nc e betw be tw wee en th thei eirr as ei aski king ki ng g and sel ellililing ng g price riice ces? s? Is the e hom me yo y u’re looking g at unde d rp ic pr iced,, ov over e -p er pri rice ced, d, or fa airr val a ue u ? Th The e seller receives a Comparative Market Analysis before deciding upo on an ask s in ing g price, so make sure you have alll the h same inform rmat a io on at a yourr fi fing nger ng erti er t ps ti ps.. NOT LO OOKING FO F R HO HOME ME INSU IN S RANC NCE E UN UNTI T L YOU ARE ABOUT TO O MOV O E I you If u wai aitt un u ti till th the e la last st min inut ute, ut e, you’ yo u lll be ru u’ ush shed e to fiind an in ed nsu ura anc n e polilil cy tha po at’ t s th the e id idea eall fi ea fitt fo forr yo you. u. Mak ake e sure su re you giv ive e yo your u se ur self lff eno noug ug gh ti time me to shop sh op aro roun und un d in ord rder e to ge er g t th the be best st dea e l. NOT RE NOT RECO COGN GNIZ IZIN ING G DI DIFF FFER EREN ENT T STYL ST YLES ES AND STR TRAT ATEG AT EGIE IES S OF NEGO NE GOTI TIAT ATIO ION N Many Ma nyy buy yer e s th thin ink k th that at the wayy to o neg egot ottia iate te the eir wayy to a fa fair ir pri rice ce is by y off ffer erin er ing in g lo low. w. How owev ever ev er,, in er n rea ealilility ty thi hiss stra st rate ra tegy te gy may act ctua uallllly re ua resu sult ltt in th the e se sellller er beco be comi co m ng mi g mor ore e in infl flex fl exib ex ible ib le,, po le pola lari la rizi ri zing zi ng negotiations ne ego goti t at ti atio ions io ns. Em ns Empl p oy pl o tthe he k knowledge n wl no wled edge ge a ge and nd sk kilills ls of an a exp xperie ienc n ed realtor. S/ S/he e wilill know kn ow wha at sttrate te egiies of ne n go oti tiat atio at ion io n wi w ll prove most effective for your pa pr p rticular situ uat a ion.
Make Ma ke it a pr prio iori io riity to kn know ow you ur ri righ ghts gh ts and an d ob o liliga gati ga tion ti onss in on insi s de and out si ut.. A la lack ck of unde un ders de rsta rs tand ta ndin nd in ing ng ab abou outt yo ou your ur obl blig igat ig atio at ions io ns may, ma ay a att th the he ve very ery lleast, ea ast caus cause ca ausse fr fric ric ict cti tion tion betw be t ee tw e n yo y ur urse s lf and se d the peo e pl p e wi w th whom wh om you o are e abo out to en ente te er th t e co cont ntra nt ract ra ct. ct Wron Wr ong g as assu sump mpti tion ons, s, poo oorl r y wr w it itte ten/ n// inco in comp mpre rehe hens nsib ible le// mi missin ng clau a ses, or a la lack ck of aw awar aren e esss of en ho ow th t e cllau a se es ap appl plyy to pl t t e pu th purc rcha hase se,, co se coul u d al a so cont co ntri ribu bute te to in incr crea ea ase sed d COURTESY c st co sts. s The s. h se pro robl blem bl emss em ma ay ev even en lea ead d to o a void oiid cont co ntra nt ract ra ct.. So ct So,, ta take ke e the he time ti ime e to go thr hrou ou ugh the cont co ntra ra act wit ith h a fi fine ne-t ne -ttoo ooth th h TOLL FREE: comb co mb,, ma mb m ki king ng use of th the e 1-877-778-3388 reso re sour so u ce ur cess an and d kn know owle ow ledg le dge dg e kelly@theclementsgroup.ca offfe fere red re d by you ur Re eal alto torr and an d la lawy wyer wy er.. Wi er With th the heir ir a sist as siistan tance ce,, en ensu sure re you u thor th orou or ough ou ghly gh ly y und nder erst er s an st nd Re/Max Executives Realty, 3505 Roblin Blvd, Winnipeg, MB ever ev eryy co er comp mpon mp onen on entt of the e See our ad on the inside front cover. cont co nttra ract ctt, an c and d ar are e ab able le to le www.theclementsgroup.ca fulf fu lfilililll yo your ur con ontr trac tr actu ac tual tu al o liiga ob gati t on ti ons. s. s.
KELLY CLEMENTS
On The Move: A Guide to Relocating
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Don’t make a move without us. Allez de l’avant avec nous.
Take advantage of these special offers for the Canadian Defence Community1.
Tirez parti de ces offres spéciales pour la communauté de la Défense canadienne1 :
• Sign-up for FREE2 Banking with the Performance Plan.
• Bénéficiez de services bancaires GRATUITS2 avec le programme Performance.
• Then start saving with BMO Employee Pricing on a wide range of Mortgage options3,4.
• Puis épargnez grâce la tarification réservée aux employés de BMO sur de nombreux produits hypothécaires3,4.
Visit your local branch or bmo.com/cdcb for details.
Passez à votre succursale ou consultez bmo.com/sbcdc
1 Proof of CDCB eligibility is required. 2 The monthly Performance Plan fee is waived. You are responsible for all transaction, service, and product fees not included in the Plan. 3 Applications and the amount you can borrow are subject to meeting BMO’s usual credit criteria. 4 To qualify for the CDCB special rates on 5-year fixed and 5-year variable rate mortgage, you must have a Canadian Dollar Primary Chequing Account (Chequing Account) with a CDCB Performance or Premium Plan; and set up the Chequing Account as the funding account for the BMO Mortgage; and have one (1) recurring direct deposit into the Chequing Account.
Une preuve d’admissibilité aux Services bancaires pour la communauté de la Défense canadienne (SBCDC) est exigée. 2 Les frais mensuels du programme Performance sont annulés. Vous devez payer les frais liés aux transactions, aux services et aux produits non inclus dans le programme de services bancaires. 3 L’octroi de crédit et le montant que vous pouvez emprunter sont assujettis aux critères habituels de BMO. 4 Pour être admissible aux taux spéciaux des SBCDC pour les prêts hypothécaires à taux fixe et à taux variable de 5 ans, vous devez avoir un compte de chèques principal en dollars canadiens (un « compte de chèques ») lié à un programme Performance ou Privilège des SBCDC, désigner ce compte de chèques comme compte de prélèvement pour le prêt hypothécaire de BMO et établir un (1) dépôt direct périodique dans ce compte de chèques.
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On The Move: A Guide to Relocating
Manitoba
Winnipeg, Manitoba
On The Move: A Guide to Relocating
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Hurricanes and Flooding IN CANADA FIRSTONSITE RESTORATION On average Canada is impacted by a hurricane at least once a year. When these systems make landfall here, they are usually no longer hurricanes, but can remain powerful storm systems. For Canadians, a much bigger issue than hurricanes is flooding. After decades of low water levels in the Great Lakes Basin, 2017 saw a historic rise in water levels. Last spring, rains and rising waters in Quebec affected 286 municipalities in 15 regions, and saw flooding in more than 5,300 homes and businesses. This past October, scientists and experts from around the world gathered in Montréal to discuss flood resiliency and how to avoid a repeat of this spring’s deluge. MOULD The after-effects of flooding can include not only property damage, but mould. Mould can have severe long-term negative health effects on the occupants of a facility. Mould regulation exists in some regions of the U.S., but not yet in Canada. FOREST FIRES Over a year has passed since devastating fires ripped through Fort McMurray, Alberta, and just as that community was returning to normal, British Columbia was hit with the largest series of wildfires in provincial history. The B.C. fires displaced 65,000 people, destroyed more than 1.2 million hectares of forest and are having a significant impact on the tourism businesses. FirstOnSite setup a staging area in Kamloops and worked on 130 different projects
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Courtesy: News Canada
assisting in air quality management and restoration. “Fire has always been a natural part of the ecosystem in the Northern Boreal Forest which stretches from B.C. to Quebec,” said Dave Demos, CEO of FirstOnSite. “Forest fires across the region take place in 80-100-year cycles. In fact, the ecosystem depends upon such recurring natural disturbance. As long as communities build in the midst of this forest, the risks will continue.” Much discussion and action has taken place to protect, prepare and build communities to be more resilient to fires. Here are some of the strategies being deployed to achieve this: • New building technology with paperless materials, mould resistant materials, more sustainable materials such as steel-shake roofing are being utilized • Wood chips in the garden and flammable shrubbery are some of the first things to ignite in an urban interface wildfire situation. Fire resistant external building materials such as wood-free landscaping are being used • Fort McMurray is banning flammable exterior building finishes such as vinyl siding and asphalt shingles.
i Find more information visit www.firstonsite.ca
On The Move: A Guide to Relocating
!
6
tips to be prepared
Disasters take many forms. Whether you’re faced with a fire, flood, hurricane, ice storm or a falling tree, there are guidelines that can be applied across the board. Here are some tips on how to stay prepared for disasters: If you live in a region prone to floods, fires or other disasters, call your insurance company before the season begins and check what is covered in your home/ business insurance;
1
Periodically taking photos or videos of your home and contents so you can have before and after pictures if damage occurs to your home;
2 3
Keep important documents and photos in a safety deposit box
Prepare an emergency contact list, e.g. friends, family, doctor, insurer, etc., that you keep offsite
4
If your home is damaged, call for help immediately - one foot of water damage for example can quickly turn to two (allergy and bacterial related mould can begin growing within 24-hours)
5
If safe to do so, turn off circuit breakers supplying electricity to the wet areas and unplug and remove small appliances from wet rooms
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Manitoba
ONTARIO
CFB/BFC
BORDEN ABOUT BORDEN Located just one hour north of Toronto, Canadian Forces Base (CFB) Borden is the largest training base in the Canadian Armed Forces. CFB Borden and the Military Personnel Generation Training Group are composed of both lodger and integral establishments that train approximately 18,000 Canadian Armed Forces personnel per year in a variety of occupations. Included in these lodger units are formations and groups such as 16 Wing, the Canadian Forces Recruiting Group, and Regional Cadet Support Unit (Central). The Buell Fitness and Aquatic Centre is a modern facility located on base with indoor and outdoor pools, field house, running track, rock climbing wall, gymnasium, weight room, cardio room, and bowling alley. The Andy Anderson Arena is adjacent to the fitness centre and the base is also home to an 18-hole golf course. The base offers hunters and anglers the opportunity to join the Rod & Gun Club, and there is a Motor Hobby Club for mechanic enthusiasts. There are two elementary schools on base and several in the surrounding area. Secondary students can attend the local Nottawasaga Pines High School, or other schools in the area.
SUR BORDEN Située à seulement une heure au nord de Toronto, la Base des Forces canadiennes (BFC) Borden est la plus importante base des Forces armées canadiennes. La BFC Borden et le Groupe d’instruction de la Génération du personnel militaire sont composés d’établissements intégrés et hébergés qui servent, chaque année, environ 18 000 membres des Forces armées canadiennes représentant une variété de groupes professionnels. Les unités hébergées comprennent des formations et des groupes comme la 16e Escadre, le Groupe du recrutement des Forces canadiennes et l’Unité régionale de soutien aux cadets (Centre).
There are many businesses located at the CANEX Mall, including the CANEX Retail Store, Subway, Tim Hortons, barber shop, hair salon, tailor shop and a real estate office. Adjacent to the mall is a public medical centre with a laboratory and dental office.
Le Centre de conditionnement physique et aquatique Buell, situé sur la base, est une installation moderne qui comprend des piscines intérieure et extérieure, un complexe sportif, une piste de course, un mur d’escalade, un gymnase, une salle de musculation, une salle d’entraînement cardiovasculaire et une salle de quilles. L’aréna Andy Anderson Arena est situé à côté du centre de conditionnement physique. La BFC Borden offre également un terrain de golf de 18 trous. On y trouve également le Rod & Gun Club, pour les amateurs de chasse et de pêche, de même que le Motor Hobby Club pour les passionnés de mécanique. Il y a deux écoles primaires sur la base et plusieurs autres dans la région. Les élèves du secondaire peuvent fréquenter l’école secondaire locale Nottawasaga Pines, ou une autre école de la région.
CFB Borden celebrated its centennial year in 2016, when the Memorial Wall and walking trails to the restored World War One Trenches were unveiled. The Base Borden Museum is home to one of the most extensive collections of military paraphernalia in Canada, housing over 700,000 pieces of history.
De nombreux commerces sont présents au centre commercial CANEX, dont le magasin de détail CANEX, Subway, Tim Horton’s, un barbier, un salon de coiffure, un tailleur et une agence immobilière. À côté du centre commercial se trouve le centre médical public, qui compte p un laboratoire et un cabinet de dentiste. La BFC Borden a célébré son cen ntenaire en 2016, moment du dévoilement du mur commémoratif et d s sentiers pédestres menant vers lles tranchées de la de P em Pr emière Guerre mondiale restaurées.. Le Musée militaire de d e la BF B C Borden comprend l’une des plus importantes collllec co ec ctions de e mat atér ériel militaire au Ca anada, notamment plu pl uss de 70 700 00 00 ar arté téfa té f cts historiquess. fa
Ontario
On The Move: A Guide to Relocating
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On The Move: A Guide to Relocating
Borden, Ontario
ELECTRIC SHOCK: keep kids safe
Going Above and Beyond for You!
Courtesyy: Ne News ws Can anad ada ad a Children are na natur tural a exp explorrers who can get their hands on just about eve eryt rythin hing. g Par Parentss do do a lot to protectt those hands â&#x20AC;&#x201D; making su ure the theyy are are washed h regularly, removving splinters and bandaging g cu cuts. ts Bu Butt there are invisible dangers lurking in your home, and d el e ect e ric ricity ity is one of them. On averag ge, mor more e than t n 110 kids under 15 end up in the emergency room each ye y ar in Ontario because of an electtrical injury. More than half a are unde d r the age of five. And altho ough people may b sh off a little buzz from an outlet, new rese bru earch shows that even loww voltage shocks can have serious long--term effects like memory loss, anxiety and pins and needles.
0 HT JVTT 0 HT JVTTP[[LK [V WYV]PKPUN `V\ ZLY]PJL ^P[O PU[LNYP[` RUV^SLKNL ZLY]PJL ^P[ HUK KYP] HUK KYP]L MVY L]LY` YLHS LZ[H[L [YHUZHJ[PVU UV^ HUK PU [OL M\[\YL
â&#x20AC;&#x153;No shock is a safe shock, and all are preventa able,â&#x20AC;? says Dr. Joel Moody, director of safety risk, policy and innova ation at Electrical Safety Authority.
COLLEEN MILLEN
The ESA recommends three easy home fixess to help prevent shocks for you and your kids:
SALES REPRESENTATIVE
1 2
If your outlet has a missing or broken cove er plate, replace it immediately. Outlet covers create a barrierr between people and exposed wires.
+PYLJ[ 705.792.8970 6É&#x2030;JL JVSSLLU'YLTH_JYVZZ[V^U JH
Install tamper-resistant receptacles to protect younger children from shocks. They have special shutters that cover the plug slots and help prevent little fingers or objects from going into the outlet.
3
Check all of your cords. If one is frayed or damaged, replace it. Tape won't protect anyone from a shock. Extension cords â&#x20AC;&#x201D; which should only be used temporarily â&#x20AC;&#x201D; are prone to damage and can lead to a shock or fire.
REALTY INC., BROKERAGE Independently Owned & Operated
566 Bryne Drive, Unit A, Barrie 0UUPZĂ&#x201E;S )LHJO 9K <UP[ ;OVYU[VU
If you or someone you know receives a shock, seek medical attention. Find more tips online at esasafe.com/nosafeshock.
Posted to CFB Borden? As Ex-military servicemen, we understand your needs and short deadlines.
Bob GAYLER
Mario FILION
Office: 705-721-9111 Cell: 705-733-7855 Email: bob.gayler@century21.ca www.century21.ca/bob.gayler
Office: 705-721-9111 Cell: 705-828-0084 Email: mario.filion@century21.ca www.century21.ca/mario.filion
Over 45 years of combined expertise in Real Estate
We are Registered with Brookfield
We are dedicated to providing you with the highest quality service possible.
Barrie, Ontario
We are Bilingual
Call us Today!
On The Move: A Guide to Relocating
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New homebuyers homebuuyers reap reaap added benefits in 2018 A new home or condo con is an investment in your future. f But like any y other othe major life decision, it also comes with risks. If you're planning on taking the leap into home ownership in 2018, you can buy with added confidence thanks to some new consumer protection measures that come into force this year. With new home prices and deposit requirements rising, these changes help bring the deposit protection levels more in line with today's market. Changes affect new homes with a purchase agreement signed after January 1, 2018. Under the Ontario New Home Warranties Plan Act, buyers of new (non-condominium) freehold homes are now eligible for increased deposit protection. If the purchase price of your home was $600,000 or less, you are eligible to receive up to $60,000 to reimburse you for amounts paid to the builder. If the purchase price of your home was more than $600,000, you are eligible to receive up to 10 per cent of the purchase price, to a maximum of $100,000. Previously, the maximum coverage was $40,000. If you've decided to splurge on some upgrades, the payments for these extras are now protected as part of deposit coverage, thanks to the Strengthening Protection for Ontario Consumers Act, 2017.
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On The Move: A Guide to Relocating
Courtesy: Cou News Canada
Deposit coverage co for condos has not changed since the law requires that the full deposit be held in trust. If for some reason these funds are released improperly from the trust, Tarion, the protection plan administrator, will cover up to $20,000. Are you eyeing a condo in a converted warehouse or church? Another change means this home now has warranty coverage. Called “residential condominium conversion projects,” these developments turn existing buildings into condos that incorporate some of the building's more interesting features — large windows, framing and brick walls — into the design. All the warranties included in the act apply to these condos with one exception — any preexisting elements, such as an exposed brick interior wall, will not have the one-year warranty for defects in work and materials. Under these new regulations, builders of residential condominium conversion projects and vendors who wish to sell units in these projects must also be registered with Tarion.
i
Find more information online at tarion.com
Barrie, Ontario
ONTARIO
CFB/BFC
MEAFORD ABOUT MEAFORD
SUR MEAFORD
Situated on the southern shore of Georgian Bay, the Municipality of Meaford extends North West to the boundary of the City of Owen Sound and to the South East boundary of the Town of the Blue Mountains. It is located within the Georgian Triangle region and known as one of Canada’s finest four seasons resort areas.
Située sur la rive sud de la baie Georgienne, la municipalité de Meaford s’étend au nord-ouest jusqu’aux limites de la ville d’Owen Sound et au sud-est jusqu’aux limites du village de Blue Mountains. Elle se trouve dans le triangle de la baie Georgienne et est considérée comme l’une des plus belles régions de villégiature quatre saisons au Canada.
Community of Collingwood Collingwood is located on the shores of Georgian Bay, and our waterfront provides endless opportunities for boating, fishing, recreation activities and so much more! In the heart of Ontario’s finest four-season destination area, Collingwood offers a combination of old time charm and history with the best recreation in Southern Ontario. Whether relocating to Collingwood as a full or part time resident, or looking for a new weekend retreat, Collingwood offers you all of the amenities and support you require. There are great opportunities in this area in business, tourism and industry.
Community of Owen Sound The City of Owen Sound is located on the southern shores of Georgian Bay in a valley below the sheer rock cliffs of the Niagara Escarpment. Owen Sound is characterized by a magnificent harbour and bay, two winding rivers, tree-lined streets, an extensive parks system, and tree-covered hillsides and ravines, which are home to a wide variety of flora and fauna. Owen Sound is the largest urban community in Grey and Bruce Counties, which combined represent a primary commercial market of 158,000. Owen Sound is the seat of the County of Grey government, and is the location for a number of regional, provincial and federal government offices. There are twelve elementary schools, three secondary schools, six private schools in addition to a Georgian College campus.
Ontario
Communauté du Collingwood Collingwood se trouve directement sur la côte de la baie Georgienne, situation riveraine qui offre d’innombrables possibilités pour la navigation, la pêche, les activités récréatives et plus encore! Situé en plein cœur de la plus belle région de villégiature quatre saisons de l’Ontario, Collingwood possède à la fois un charme d’antan et une réputation historique de destination récréative inégalée dans Sud de l’Ontario. Que vous soyez à la recherche d’une résidence à temps plein ou à temps partiel à Collingwood ou que vous souhaitiez simplement vous y détendre la fin de semaine, vous y trouverez tous les services et installations dont vous avez besoin. La région offre d’excellentes possibilités, que ce soit dans les affaires, le tourisme ou l’industrie.
Communauté du Owen Sound La ville d’Owen Sound est située sur la rive sud de la baie Georgienne dans une vallée sous les falaises rocheuses de l’escarpement du Niagara. On y retrouve une magnifique baie avec un port, deux rivières sinueuses, des rues bordées d’arbres, un immense réseau de parcs, ainsi que des ravins et des collines boisées abritant une flore et une faune d’une grande diversité. Owen Sound est la plus grande communauté urbaine des comtés de Grey et de Bruce, qui, une fois combinés, représentent un marché commercial primaire de 158 000 consommateurs. L’administration du comté de Grey se trouve à Owen Sound, de même que certains bureaux gouvernementaux fédéraux, provinciaux et régionaux. On y compte 12 écoles primaires, 3 écoles secondaires et 6 écoles privées, en plus du campus du Collège Georgian.
On The Move: A Guide to Relocating
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| Our team has over 60 years of combined experience serving the Meaford real estate community
Mike Kearns
Sales Representative
Andres Paara
| 5% of our commission donated to the Canadian Hero Fund for all military purchases
Broker
Call or email us to set up a complimentary buyer or seller consultation! 705.888.2888 or email us at mike@kearnspaara.com
KEARNSPAARA.COM
We have better rates than you can obtain at your bank...
ASK US HOW? commission donated to 5% oftheourCanadian Hero Fund for all military purchases and refinances
Our Consultation is FREE! We work for YOU and are paid by the lenders. We are local, but have access to over 50 of the top lenders and banks in Canada. Let us find you the best rate and term for you!
SEAN LANDRETH Mobile: 705-532-9951 AMP #M17000522
Head Office: 5675 Whittle Rd. Mississauga ON L4Z 3P8 Brokerage #12728
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705-532-9951 705-441-2655 Sean@bluemountainmortgages.com www.BlueMountainMortgages.com www.facebook.com/BlueMountainMortgages
WE OFFER:
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On The Move: A Guide to Relocating
Ontario
ONTARIO
CFB/BFC
NORTH BAY ABOUT NORTH BAY North Bay is a city in North-eastern Ontario 3 ½ hours from both Toronto and Ottawa. It is the southern terminus of the Ontario Northland Railway and is served by the Jack Garland Airport. Incorporated in 1925 North Bay is situated between Lake Nipissing and Trout Lake, the City offers lakefront property. Housing in North Bay offers a variety of options depending on whether you prefer the urban or rural location. In January 1968 the City of North Bay amalgamated with West Ferris and Widdifeild Township and now has a population of 54,000. North Bay boasts four Boards of Education. The Near North District School Board serves approximately 10,500 students in 35 Elementary Schools, 7 Secondary Schools as well as Continuing Education programs. The Nipissing-Parry Sound Catholic District School Board offers 2 English elementary catholic schools (JK-6), 3 schools (JK-8), 2 French immersion elementary catholic schools (JK-8) and 1 French immersion secondary school. Conseil scolaire public du Nord-Est de l’Ontario offers 1 French elementary public school and 1 French secondary school. Conseil scolaire catholique FrancoNord offers 3 French elementary catholic schools (JK6) and 1 French secondary school with grades 7 and 8. Post-secondary institutions include Nipissing University and Canadore College. The City has over 72 parks and sports fields, a waterfront marina with 270 boat slips with access to Lake Nipissing and trails and pathways. North Bay has 42 beach access p points on both Lake Nipissing p g and Trout Lake. In the winter you can enjoy skiing, downhill and cross country, snowmobiling, snow-shoeing and skating in one of the many arenas. City teams include the North Bay Battalion Ontario Hockey League team, the North Bay Trappers Junior “A” hockey team and the North Bay Bulllldogs Bu g Football.
Ontario
SUR NORTH BAY North Bay est une ville du Nord-Est de l’Ontario située à trois heures et demie de Toronto et d’Ottawa. La ville est desservie par la ligne ferroviaire Ontario Northland Railway, dont elle est le terminus sud, ainsi que par l’aéroport Jack Garland. Constituée en 1925, North Bay est située entre le lac Nipissing et le lac Trout. On y trouve des propriétés en bord de lac. Pour ce qui est du logement, il y en a pour tous les goûts à North Bay, tant en ville qu’à la campagne. En janvier 1968, la ville de North Bay a été fusionnée avec les cantons de West Ferris et de Widdifield. La population actuelle de la ville est d’environ 54 000 personnes. Vous serez servis grâce aux quatre conseils scolaires de North Bay. Le Conseil scolaire Near North District compte environ 10 500 élèves, et comprend 35 écoles primaires et sept écoles secondaires, ainsi que des programmes de formation continue. Le Conseil scolaire catholique Nipissing Parry Sound District comprend deux écoles primaires catholiques anglophones (de la prématernelle à la 6e année), trois écoles de la prématernelle à la 8e année, deux écoles primaires catholiques d’immersion française (de la prématernelle à la 8e année) et une école secondaire d’immersion française. Le Conseil scolaire public du Nord-Est de l’Ontario comprend une école primaire publique francophone et une école secondaire francophone. Le Conseil scolaire catholique FrancoNord comprend trois écoles primaires catholiques francophones (de la prématernelle à la 6e année) et une école secondaire francophone (de la 7e à la 8e année). L’enseignement postsecondaire est offert, entre autres, à ll’Université Unive Nipissing et au Collège Canadore. La ville de North Bay a plus de 72 parcs et terrains de sports, u une marina qui comprend 270 postes d’amarrage avec acc cès au lac Nipissing et des sentiers de randonnée. Elle a au ussi 42 points d’accès aux plages du lac Nipissing et du lac Trout. En hiver, de nombreuses activités s’offren nt à vous telles que le ski de fond, le ski alpin, la motone eige, la raquette ainsi que le patin à glace dans l’une de es nombreuses patinoires. Les équipes sportives de la villle comprennent le Battalion de North Bay de la Ligue de hockey de l’Ontario, les Trappers de North Bay (hockey y Junior A) et les Bulldogs de North Bay (football).
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ALL - breeds -
welcome*
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5
Buying a home?
FORMS you need to
understand Courtesy: News Canada
i Find more information about essential forms and using a Realtor by visiting www.orea.com
If you're house hunting this season, you want the process of finding and buying your dream home to be an enjoyable, stress-free experience. To help, we've made a list of five essential forms that you'll encounter along the way. BUYER REPRESENTATION AGREEMENT. If you're being represented by a brokerage then you're considered their client and this form outlines the legal agreement between you and your brokerage. It contains an explanation of the many items, including the services the brokerage will provide to you, fees for those services, the obligations you have as a client and the expiry date of the agreement. CUSTOMER SERVICE AGREEMENT. If you prefer not to enter into a client contract with a brokerage, then you may choose to be a customer and will receive a different service than if you were a client. As a customer, you will be treated fairly & ethically and will be provided honest information while your Realtor takes care not to misrepresent any facts.
CONFIRMATION OF CO-OPERATION AND REPRESENTATION. This form confirms representation or customer relationships between the brokerages and the buyers and sellers. This form also details remuneration to be paid. You'll be asked to sign a CCR before making an offer or any negotiations on a property. AGREEMENT OF PURCHASE AND SALE. This form is used initially by a buyer when making an offer on a property. Once the offer is made and accepted, the offer becomes a legally binding contract. Be sure you understand what's in your offer before you sign it. Agreeing on a price is important, but make sure you speak to your Realtor about other details like the possession date, conditional terms, and which chattels or fixtures will be included or excluded with the home. LISTING AGREEMENT. This form is the agreement between a seller and their real estate brokerage. The Listing Agreement forms the basis for drafting an offer on a home and includes directions about negotiations.
Posted to North Bay? Buying or selling, we can help.
BLUE SKY REGION REALTY INC. BROKERAGE
199 Main Street East North Bay, ON P1B 1A9 BUS: 705-474-4500 FAX: 705-474-6265 century21.ca
Susan Nosko 705.492.1523 23 Broker susan.nosko@century21.ca
Dan Camirand 705.498.3272 Sales Representative dan.realestate@sympatico.ca BILINGUAL BILI BI LING NGUA UAL L SERVICE SERV SE RVIC ICE E
*Independently Owned and Operated. ®/™ trademarks owned byCentury 21 Real Estate LLC used under license or authorized sub-license. © 2017 Century 21 Canada Limited Partnership.
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On The Move: A Guide to Relocating
North Bay, Ontario
ONTARIO
CFB/BFC
TRENTON ABOUT TRENTON
SUR TRENTON
8 Wing/CFB Trenton, which employs approximately 3,200 regular force, 600 reserve force and 500 civilian members, is located on the shores of the beautiful Bay of Quinte, just 1.5 hours east of Toronto and 2.5 hours southwest of Ottawa.
La 8e Escadre Trenton, où travaillent environ 3 200 membres de la Force régulière, 600 réservistes et 500 civils, se situe sur les rives de la magnifique baie de Quinte, à peine à une heure et demie à l’est de Toronto et à deux heures et demie au sud-ouest d’Ottawa.
The City of Quinte West surrounds CFB Trenton and has a population of 43,000. The City of Belleville has a population of 50,000 and is located only 13 km from the Wing.
La ville de Quinte West entoure la BFC Trenton et compte 43 000 habitants. La ville de Belleville, qui compte 50 000 habitants, se trouve à peine à 13 kilomètres de l’escadre.
Formed by amalgamation in 1998, the City of Quinte West is comprised of the former municipalities of Trenton, Sidney, Murray and Frankford. The City of Quinte West has a strategic location on Highway 401, and is only 160km east of Toronto, and 380 km west of Montreal. The Canadian Pacific Railway, Canadian National Railway and VIA also serve the community.
Formée par fusion en 1998, la ville de Quinte West comprend les anciennes municipalités de Trenton, de Sidney, de Murray et de Frankford. Située à seulement 160 km à l’est de Toronto et à 280 km à l’ouest de Montréal, la ville de Quinte West occupe une place stratégique sur la route 401. Le Canadien Pacifique, le Canadien national et VIA assurent le transport ferroviaire dans la communauté.
Quinte West’s natural setting, with its attractive scenic backdrop of rolling hills, rich farmland and clean waterways, creates a healthy environment for working, living and raising a family. Safe, well-planned neighbourhoods and plenty of recreational activities such as hiking, fishing and boating make Quinte West an excellent place to visit or call home. The Murray Canal provides boaters with access from scenic Weller’s Bay, on Lake Ontario, to the tranquil waters of the Bay of Quinte. Boaters may then enter the Trent-Severn Waterway, which bisects the municipality, and links Lake Ontario with Georgian Bay. The City’s economy is well balanced with a full range of manufacturing industries and a significant commercial sector. 8 Wing/CFB Trenton is a stabilizing factor in the region’s economy as it is the largest employer in the Quinte Region with an annual payroll of more than $110 million, creating a significant economic impact in the local economy.
Ontario
Le milieu naturel de Quinte West, avec son panorama attirant de collines, de riches terres agricoles et de cours d’eau propres, crée un environnement sain pour travailler, vivre et élever une famille. Les quartiers sûrs et bien planifiés et les nombreuses activités récréatives telles que la randonnée pédestre, la pêche et la navigation de plaisance font de Quinte West un excellent lieu de résidence ou endroit à visiter. Le canal Murray permet aux plaisanciers d’accéder aux eaux tranquilles de la baie de Quinte depuis la spectaculaire baie Weller, dans le lac Ontario. Les plaisanciers peuvent ensuite emprunter la voie navigable Trent-Severn, qui partage la municipalité en deux et relie le lac Ontario et la baie Georgienne. La ville jouit d’une économie bien équilibrée, composée d’une grande variété d’entreprises manufacturières et d’un secteur commercial en plein développement. La 8e Escadre Trenton représente un élément stabilisateur de l’économie régionale puisqu’il s’agit du plus important employeur de la région de Quinte. Avec une masse salariale de plus de 110 millions de dollars, elle a une importante incidence sur l’économie locale.
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Trenton, Ontario
ONTARIO
GARRISON/GARNISON
PETAWAWA ABOUT PETAWAWA
SUR PETAWAWA
The Town of Petawawa has something for everyone to enjoy. Whether looking for a place to locate your business, raise a family, retire or just vacation, Petawawa offers a wide range of services and opportunities.
La ville de Petawawa a de quoi plaire à tous. Que vous cherchiez un endroit pour ouvrir un commerce, élever une famille, prendre votre retraite ou seulement passer des vacances, Petawawa vous propose une grande variété de services et de possibilités.
The vibrant community and majestic scenery make it an ideal location for families as well as new business ventures. Petawawa is a well-established business community with the ability and ingenuity to accommodate both large and small business ventures. Petawawa has the beauty of a small town with all the luxuries and accommodations of a city centre. Petawawa is also the home of Garrison Petawawa; where over 6,000 Canadian Armed Forces troops and their families enjoy all that the Garrison and the local community have to offer. The Garrison/community relationship is solid and together they provide quality of life facilities, programs and services second to none. Located on the Ottawa River, Petawawa and surrounding area boasts several golf courses, campgrounds, ski resorts and recreational facilities, just to name a few.
Sa communauté dynamique et son cadre majestueux en font le lieu idéal pour les familles comme pour les nouveaux projets d’entreprises. Communauté d’affaires bien établie, Petawawa possède la capacité et l’ingéniosité nécessaires pour accueillir les petites comme les grandes entreprises. Elle allie le charme d’une petite ville au confort et aux installations d’un grand centre urbain. C’est ici que se trouve la garnison Petawawa; plus de 6 000 membres des Forces canadiennes et leurs familles profitent de tout ce que la garnison et la communauté locale ont à offrir. Les liens qui unissent la garnison et la communauté locale sont solides, ce qui leur permet de fournir ensemble des installations, des programmes et des services qui n’ont rien à envier aux autres villes. Situées en bordure de la rivière des Outaouais, Petawawa et la région environnante possèdent plusieurs terrains de golf, des terrains de camping, des stations de ski et des centres de loisirs, pour ne citer que quelques-unes de leurs attractions.
Ontario
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Petawawa, Ontario
Must-have gguide for selling selling your home
Courtesy: News Canada
When you put your home on n the market, you want to be offered top dollar and enjoy a smooth seamless sa ale from start to finish. For the best experience, use this guide full of expertt tips from the Ontario Real Estate Association. Start with an expert. Realto ors are experts in your local housing market; they know the current market con nditions, local data and details about other houses in your neighborhood. A Rea altor will help you price your home competitively and, if you plan to renovate,, they can advise whether the expected return on investment is worth your tim me, money and effort. Prepare your home. Create an environment that allows potential buyers to imagine themselves livin ng happily and comfortably in your home. This means removing personal m mementoes and photographs, presenting a clean and organized space, and k keeping the décor neutral. If you're selling during the winter, snow can hide backyard imperfections and the cooler weather is a great opportunity to sh howcase how cozy your home can be — light the f replace, stockpile fuzzy bla fi ankets and use lightly scented candles. Close wisely. Work with your Realtor to make sure the buyer's paperwork is in order and any clauses are rea asonable. Choose a closing date that's convenient for you — for example, con nsider a closing date during the spring when the w ather is nicer or on a long we g weekend so you have more time to move.
i
Find more information about selling your home and using a Realtor by visiting www.orea.com
POSTED TO
Chantal Rook, AMP Mortgage Agent
PETAWAWA?
chantalr@mortgagebrokerscity.com
613-453-9079
Sales Representative
www.ChantalRook.com
From our first contact to the final walk through, I will be with you
every step of the way! Licensed under Mortgage Brokers City Inc. #11759
Service Bilingue MILITARY SPOUSE
OFFERING MORTGAGES ACROSS CANADA! 6HUYLFHV RHUHG RQOLQH RU E\ SKRQH IRU \RXU FRQYHQLHQFH
Pembroke Realty Ltd.,
Brokerage
*Independently Owned and Operated OFFICE: 613-687-2020 President, Renfrew County Real Estate Board 2018
613-602-3338
www.listitwithkim.com
bourne2sell@gmail.com
Brookfield/IRP Approved
Petawawa, Ontario
On The Move: A Guide to Relocating
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3436 Petawawa Blvd., Petawawa
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On The Move: A Guide to Relocating
Petawawa, Ontario
What you need to know
before getting
new
Windows Courtesy: www.newscanada.com
Sooner or later every home needs new windows, and it’s important to choose well. With many manufacturers and installers out there, you need to make an informed decision. Here are some tips to help you out:
CHOOSE PROVEN WINDOWS Every window company says they make great windows, but how do you know for sure? That’s why the Canadian Standards Association and two American Standard writing organizations have developed a harmonized North American standard for window performance — North American Fenestration Standard. NAFS is a rigorous testing scheme that determines how well a window will perform in the real world. Performance ratings are awarded to specific models of windows, not to companies. Be sure to ask for a window with a NAFS certification and performance rating that is appropriate for your location and application.
i Ontario
CHOOSE AN EXPERIENCED INSTALLER The installation of your windows has a big impact on how well they work. Poor installation can even lead to significant damage to your home due to water leakage. That’s why you need to hire an installer who knows what they’re doing and provides a proper contract and warranty. Proper installation will also protect your new windows from warping and becoming difficult to open.
EXPECT TIGHTER WINDOW PERFORMANCE Less air leakage and lower heating costs are key benefits of new windows. But less air leakage can mean higher indoor humidity levels in winter. This sometimes means more window condensation during cold weather, not less. If your current windows are leaky, you may have more reason to mechanically ventilate your home after new windows go in.
Find more information at www.getitinwriting.ca. It’s Canada’s best free and unbiased source of information on how to hire a contractor the smart and safe way. On The Move: A Guide to Relocating
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ONTARIO
CFB/BFC
KINGSTON ABOUT KINGSTON
SUR KINGSTON
Kingston, Ontario, with a population of just over 117,000, is situated at the junction of Lake Ontario and the St. Lawrence River. Kingston has first class amenities, short commute times, an amazing waterfront, top notch educational institutions and a thriving entertainment scene. The city also boasts the title of being the oldest community in Canada.
La ville de Kingston, en Ontario, a une population d’un peu plus de 117 000 personnes; elle est située à la jonction du lac Ontario et du fleuve Saint-Laurent. Ville où l’on peut se rendre rapidement d’un point à un autre, Kingston offre des attraits de premier ordre, un littoral magnifique, d’excellents établissements d’enseignement et une scène culturelle florissante. En outre, la ville peut se flatter d’être la plus vieille collectivité au Canada.
Kingston is located just off of Highway 401, roughly 168 km southwest of Ottawa. Via Rail offers daily connections to Montreal, Ottawa and Toronto. Air travel is convenient, with daily flights to and from Toronto’s Pearson Airport from Kingston’s Norman Roger’s Airport. Coach Canada / Trentway-Wager Bus Lines operates daily connections to city centres such as Toronto, Cornwall and Peterborough. The city’s school districts include the Limestone District School Board and Algonquin and Lakeshore Catholic District School Board. Francophone schools are governed by Conseil des Ecoles Catholiques du Centre-Est de l´Ontario and Conseil des Ecoles Public de l´Est de l´Ontario. Kingston also offers many private schools serving a diverse range of spiritual, language and educational needs. Post Secondary Education is offered in the city y through g Q Queen’s University, y St. Lawrence College and the Royal Military College of Canada. Tourism in Kingston is bustling; there is such diverse opportunity for activities and events. The city is rich in history, which can be discovered through visiting Fort Henry, the Murney Tower National Historic Sites, McIntosh Castle and the many museums, including the International Hockey Museum. Kingston is also located at the Southern end of the Rideau Canal, a UNESCO W rld Heritage Site. Wo
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On The Move: A Guide to Relocating
Kingston se trouve à proximité de la route 401, à environ 168 kilomètres au sud-ouest d’Ottawa. Via Rail y offre des liaisons quotidiennes vers Montréal, Ottawa et Toronto. Le transport aérien est efficace et des vols sont offerts tous les jours entre l’aéroport international Pearson de Toronto et l’aéroport Norman Rogers de Kingston. Les sociétés d’autocars Coach Canada et Trentway-Wager assurent des liaisons quotidiennes entre Kingston et les grands centres urbains tels que Toronto, Cornwall et Peterborough. Les conseils scolaires de la ville comprennent le conseil scolaire du district Limestone et le conseil scolaire de district catholique Algonquin et Lakeshore. Les écoles francophones sont administrées par le Conseil des écoles catholiques du Centre-Est de l’Ontario et par le Conseil des écoles publiques de l’Est de l’Ontario. Ill y a également à Kingston de nombreuses écoles privées qui répondent à une vaste gamme de besoins spirituelss, linguistiques et pédagogiques. L’enseignement postsecondaire est offert à Kingston à l’Université Queen’s, au u Collège Saint Laurent et au Collège militaire royal du Ca anada. Le tourisme est en pleine effervescenc ce à Kingston, où l’on trouve de tout pour tous les goû ûts en termes d’activités et de manifestations. La ville po ossède un riche p ssé historique que l’on peut découvrir en visitant les pa lilieu e x historiques nationaux du Fort Henryy et de la Tour Murney, le château McIntosh et les nombreux musées de la ville, dont le Musée internationa al du hockey. King ngst ston on se tr trou ouve ve à l’extrémité sud du canal Rideau, s te du si u pa p tr t im moi oine ne e mon ondi dial al de l’UN UNES E CO.
Ontario
100% Club
Platiunum Club
2016
2017 INDEPENDENTLY OWNED & OPERATED
Regina Whitty BROKER With 20 years of experience as a military spouse, Regina understands the challenges faced by military families. Whether buying or selling, every client is a number one priority.
â reginawhitty@gmail.com Nj 613.329.7749 ¾ reginawhitty.com
Top Choice Award Mortgage Broker
Voted Kingston’s Favourite Business 2016
16/17
Lic # M12001143
Get pre-approved before your HHT Apply Online today!
â fred@ktownmortgages.ca Nj 613.985.0945 ¾ KingstonMortgageSolutions.com
Kingston Mortgage Solutions # 12248, Independently owned and operated
Kingston, Ontario
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1
Smart appliances. applianc Smart home applianc appliances deliver real everyday convenience, allowing you to control and monitor their activities right from your phone. GE’s new Wi-Fi Connect app puts control of your fridge, stove, dishwasher and laundry right at your fingertips. Running late? Use the app to set the extended tumble feature on your dryer, ensuring your clothes stay wrinkle-free.
Creating a connected
HOME
2
Courtesy: www.newscanada.com
New smart home innovations are changing the way we interact with virtually every aspect of our houses, condos and apartments, helping save time, money and energy. Tech expert and author Amber Mac shares her thoughts on smart home products and services that offer the best bang for your buck.
High-tech “recipes.” Create your own digital recipes to make your home smarter. A great program is IFTTT (If This Then That), an app that allows you to automate and connect your favourite web services and smart products. For example, you can set-up an applet to automatically unlock your door when you’re just steps away, mute your phone when your calendar shows that you’re in a meeting or even give you a ring when your oven is adequately heated.
3
Voice assistants. Voice assistants, like the highly anticipated Google Home, can help busy families manage day-to-day tasks. Ask a simple question and get real-time answers, including the latest weather, traffic, financial information, sports scores and information for local businesses. Plus, thanks to its integration with other smart home apps, you can use a simple voice request to get a recipe, play music, turn on your lights, adjust the temperature in your home or switch on your favourite movie.
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Smart security. Some technologies add real value to our lives, and what could possibly be more valuable than the safety and security of our loved ones? Smart home security systems allow you to monitor the comings and goings of your family and any visitors, alerting you when suspicious activity is detected. The August Smart Lock is especially great for weekend guests, allowing you to give them access to your home without providing a key.
5
Energy efficiency. Finally, save money and protect the planet with smart thermostats that can automatically monitor and manage the temperature in your home. The Nest Thermostat learns when you’re away and sets itself to an eco-temperature to save energy. Ready to head home? Adjust the temperature from your phone to ensure it’ll be cozy when you arrive.
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On The Move: A Guide to Relocating
Find more information online at geappliances.ca
Ontario
Voted the #1 1 Fa avou uritte Reall Esttatte Brokerrage in Kingston 2 years in a row.
POSTED TO KINGSTON? Whether you want to live close to base, or as far away as possible...
Iâ&#x20AC;&#x2122;ll find what you want!
Call 613-929-2670 Today! As a military veteran, I understand the stress of relocating. Let me help make it a smooth transition.
Contact Randy Stanley Cell: 613-929-2670 Office: 613-384-5500
MyKingstonAgent.com
Kingston, Ontario
Sutton Group-Masters Realty Inc. Brokerage INDEPENDENTLY OWNED AND OPERATED
Seniors Real Estate Specialist
Office Location: 1650 Bath Road | Kingston, Ontario K7M 4X6
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On The Move: A Guide to Relocating
Kingston, Ontario
TIPS TO PREPARE YOUR HOME FOR A
New Pet Courtesy: www.newscanada.com
While a new dog or cat is always a wonderful addition to any household, there are many details that homeowners must first consider before choosing a furry friend. Homeowners should consider the following four tips before any pet purchase:
1
PIC ICK K A PE PET T TH HAT FIT ITS S YO YOUR UR HOM OME E
2
SECURE YOUR KITCHEN CABINETS
3
MAKE SURE YOUR HEATING AND AIR VENTS HAVE ADEQUATE COVERS
Be sure that B th t th the amountt off space available il bl in your home will be able to support your new friendâ&#x20AC;&#x2122;s lifestyle. Condominiums, for instance, may not be the best match for a larger, energetic dog, but can suit a cat quite nicely.
Within any kitchen, there are many items that can pose a threat to your pet. Prior to bringing your new family member home, be sure to secure your cabinets with child-proof locks and keep your trash sealed tightly.
If you are bringing home a pocket-sized pet such as a hamster or guinea pig, you may be surprised at the tiny areas they can squeeze into. By placing closely grated covers on your vents, you can ensure your petâ&#x20AC;&#x2122;s safety. Youâ&#x20AC;&#x2122;ll also prevent fur and hair from clogging your air ducts and decreasing your homeâ&#x20AC;&#x2122;s overall efficiency.
Yuri Tarnowecky, B.A. LL.B. BARRISTER & SOLICITOR
email: yurit@bellnet.ca
Ivanna Nina Tarnowecky, B.A. (HONS.), J.D. BARRISTER & SOLICITOR
4
CONSIDER PURCHASING AN AUTOMATED VACUUM
Most pets shed, leaving ample hair scattered across your home. With the simple installation of an automated vacuum, you can ensure that your home remains clean and tidy.
Kingston, Ontario
email: ivanna@yurilaw.ca /PSSJT $PVSU 6OJU r ,JOHTUPO 0/ , 1 3 5FM r 'BY www.tarnoweckylaw.com
On The Move: A Guide to Relocating
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BLAKE HOME TEAM Proudly Serving Kingston Families for 29 Years Sales Representative
Cell: 613-539-3307
www.pennyblake.com
ASSISTING MILITARY FAMILIES Posted In or Out of Kingston?
Each ofďŹ ce is independently owned and operated
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Visit our office at RIDEAU TOWN CENTRE 235 Gore Road, Unit 19 | 613-507-3629 | email:pblake@kos.net | www.pennyblake.com
â fred@ktownmortgages.ca Ç&#x2039; 613.985.0945
Kingston Mortgage Solutions # 12248, Independently owned and operated
66
On The Move: A Guide to Relocating
Kingston, Ontario
ONTARIO
CFSU/USFU
OTTAWA ABOUT OTTAWA
SUR OTTAWA
Nestled on the banks of the majestic Ottawa, Rideau and Gatineau Rivers, Ottawa is one of the most beautiful G8 capitals in the world. With a population of over 1.2 million, Ottawa is a thriving international technology and business centre and world class tourism and convention destination. Ottawa is also rich in culture and heritage with its many national institutions, parklands, waterways and historic architecture. It is home to a large number of foreign embassies and is a recognized centre for both academics and professional training. The city offers an open and welcoming environment to cultures from around the world, providing service in English, French and a host of other languages. The city’s residents enjoy an enviable quality of life that is recognized around the world.
Nichée sur les rives des majestueux cours d’eau que sont la rivière des Outaouais, la rivière Rideau et la rivière Gatineau, Ottawa est l’une des plus belles capitales du G8. La ville, qui a une population de plus de 1,2 million d’habitants, est un centre international florissant pour la technologie et les affaires et une destination qui attire les touristes et les congressistes du monde entier. Siège de nombreuses institutions nationales et forte de ses parcs, de ses voies navigables et de son architecture historique, Ottawa possède une culture et un patrimoine très riches. De nombreuses ambassades étrangères y sont installées. Centre reconnu pour la formation professionnelle et universitaire, la ville est un milieu ouvert et accueillant pour les cultures étrangères; les services y sont assurés en anglais, en français et dans bien d’autres langues. Les habitants de la ville jouissent d’une qualité de vie enviable, reconnue dans le monde entier.
As part of Ontario’s high-quality education system, Ottawa offers a rich array of public and private schools for children in kindergarten to grade 12. While there is an abundance of opportunity to learn in English, French, French immersion and English as a second language, Ottawa also offers learning in a host of different cultures, languages and religions, reflecting our diverse multicultural community. Ottawa benefits from one of the world’s most highly regarded healthcare systems. systems Once you are a resident of Ontario, most healthcare needs are covered by the province’s medical coverage. Private healthcare plans are available, if required, to cover specialized treatments that do not fall under the provi viince’s scope of coverage.
Ontario
Faisant partie du système d’enseignement de grande qualité de l’Ontario, Ottawa dispose d’une grande variété d’écoles publiques et privées pour les enfants, de la maternelle à la 12e année. En plus des nombreuses occasions d’étudier en anglais, en français, en immersion française et en anglais langue seconde, la ville offre la possibilité de découvrir de multiples cultures, langues et religions, reflétant la divers diversité culturelle locale. Ottawa a l’un des systèm mes de santé les mieux cotés au monde. La plupart des besoins en soins de santé des résidents de l’Ontario sont couverts par l’assurance médicale de la province. En outre, il est possible de souscrire des assurances p privées, si nécessaire, pour les traitements spécialisés qu ui ne sont pas pris en charge par le régime provincial.
On The Move: A Guide to Relocating
67
? a w a t t O o t Moving or the surrounding area
lle ss a H o N , re u ss re P o N – The Martels
Martels sold over 4,200 Ottawa Homes in the last 30 Years
Get Your Free Relocation Kit Now www.RelocatetoOttawa.com Guaranteed HHT System includes: • Efficient, knowledgeable and personalized HHT planning, assisting you with the best Inspection services, lawyers and mortgage specialists • 1-800 line to the Martels’ customer service • Overnight courier with full listing search, buyer tips, hotel and school lists • Instant notification of Ottawa listings • Save $5,000, guaranteed, on your home purchase or we’ll pay you $500* • Network contacts across Canada
Your HHT will be taken care of from A-Z because our family cares.
CALL 1-800-363-6242
Nous parlons français
TOP 1% REAL ESTATE REPRESENTATIVES IN THE OTTAWA REGION IN 2017
ar tels M e h T Guarantee your satisfaction with the home you buy or WE WILL BUY IT BACK! Lucie Martel l Sales Representative, RRS Jacques Martel l Broker of Record Family Owned and Operated Bilingual Services
68
Helping RCMP, Military, Corporate... relocate across Canada since 1986 **Data based on MLS reporting, By units of selling ends for 2017 in Ottawa.
On The Move: A Guide to Relocating
info@martels.ca RelocateToOttawa.com *Some conditions apply.
Ottawa, Ontario
---------------------------------------------- YOUR HHT SPECIALISTS FOR ----------------------------------------------
------------------------------------- VOS SPÉCIALISTES DU VRD POUR ---------------------------------------
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Whether you’re a buyer or a seller, you should have access to a realtor that is well versed in the art of military relocation. NMRN is comprised of realtors with a military background who know exactly what you are going through during a relocation.
Que vous soyez acheteur ou vendeur, vous devriez avoir accès à un agent immobilier qui connaît bien l’art du relogement militaire. Le RNRM est composé d’agents immobiliers ayant des antécédents militaires et qui savent exactement ce que vous vivez lors d’un relogement.
With 250 relocations under our belt, 70 of those in 2017 alone, we’re ready to plan your next HHT.
Avec 250 relogements à notre actif, dont 70 en 2017 seulement, nous sommes prêts à planifier votre prochain VRD.
POSTED IN OR OUT OF THE NCR? CALL 613.858.2322 for service of the highest caliber. Together we will find your perfect home.
MUTÉ DANS OU HORS DE LA RCN? APPELEZ le 613.858.2322 pour un service du plus haut calibre. Ensemble, nous trouverons la maison parfaite pour vous.
--------------------------------------------------------------------------------
PATRICK LEBEAU
----------- B.A., RMC ----------REAL ESTATE BROKER 1 COURTIER IMMOBILIER 1
1
nmrn.ca
-----------------------------------------------------------------------------------
----------------------------------------------------------------------------------
rmrn.ca
JEREMY SPILKIN
----- B.ENG., RMC ----SALES REPRESENTATIVE 1 & 2 COURTIER IMMOBILIER 1 &2
CENTURY 21 ÉLITE, AGENCE IMMOBILIÈRE (QUÉBEC) &
2
-----------------------------------------------------------------------------------
LOUIS-PHILIPPE PIDGEON -------------- CD, B.ENG., RMC -------------SALES REPRESENTATIVE 2 AGENT IMMOBILIER 2
ENGEL & VÖLKERS OTTAWA CENTRAL, BROGERAGE (ONTARIO)
EACH BROKERAGE INDEPENDENTLY OWNED AND OPERATED | CHAQUE AGENCE EST INDÉPENDANTE ET AUTONOME
Ottawa, Ontario
On The Move: A Guide to Relocating
69
GA
rainy day fund Co Cour our urte tesy te sy: www.newscanada.com sy
At som At me po oin nt in n liffe, e you u'lll need ne eed a new e roof ro oo off. Yo You u migh ht ne need ed to fi f x yo your ur car brrak akes es. Un U forese seen e evve en ntts ha app ppe en, and an d wh w en n the h y do do,, it it'ss imp mpor orta orta or tan nt to be fina fi nanc na nc cia iallllllyy pr prep epar ared e . Budg dg get e s ar ar an eff are f ec e ttiive way to pl p an your mon onth th-t - o-montth ex expe p nses es and n saving gs. The heyy ca he c n al alsso so help p yo you u ke eep e moneyy av avai aililabl labl ble e for th he un unex expe pectted e .
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Once you've determ mined an amount, work your rainy day savings into your budget until you've hitt your goal. If you'd like to save $5,000, for instance, you might want to stash aw way approximately $ 00 per month over two years. $2
Here are re three hree ste t ps to star star st a t bu uilildi ding di ding ng your raiiny day fun yo nd d::
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If you need guidance e in planning your rainy day fund or you ur savings strategy as a whole, a financiall advisor can guide you through the pro ocess and be your coach when it come es to finances. It's never too late to bec come an engaged, informed investor.
POSTED TO OTTAWA? -DQ $\UHV &'
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70
On The Move: A Guide to Relocating
Ottawa, Ontario
OTTAWA? We had such a great experience working with Joe. We found him to be very honest and extremely knowledgeable when we were purchasing our property. He fought hard for us to get our home at the price we wanted, in which he succeeded. We are very pleased with him, when we contact him he is never long before he gets back to us, which we really appreciate. We would recommend him for sure to anyone looking at buying or selling their home. - Sandra Saikaly
À wi ` ,i V>Ì -«iV > ÃÌ }Õ> É }Õi ,iÌ Ài` -iÀÛ Vi i LiÀ ½Ûi Lii { /½Ã ÞÃi v Õ `iÀÃÌ> ` Þ ÕÀ Ãi Ãi v ÕÀ}i VÞ ,i« Þ Ü Ì £ À Guaranteed %GTVKƂGF 0GIQVKCVKQP 'ZRGTV -iÛiÀ> ->Ì Ãwi` Ì>ÀÞ i ÌÃ
JOE SALAZAR, CD
Sales Representative Dir: 613-218-6714 Off: 613-695-2525 JoesHomes@icloud.com www.SalazarProperties.ca
Ottawa, Ontario
On The Move: A Guide to Relocating
71
Tiffany Fisher 613-894-2638 tiffany@royallepage.ca
72
On The Move: A Guide to Relocating
Ottawa, Ontario
At Mortgage Forces, we are proud to provide Mortgage Services to the Canadian Armed Forces and DND Employees. We promise to make this exciting and busy time go as smoothly as possible for you.
Chez Mortgage Forces, nous sommes fiers d’appuyer les services hypothécaires des Forces armées canadiennes et de la Défense nationale. Nous vous faciliterons la vie au cours de cette période stimulate et plaine de défis.
OTTAWA – 610 Bronson Avenue, Suite 210, Ottawa K1S 4E6 | 613.566.7022
Ottawa, Ontario
On The Move: A Guide to Relocating
73
BUYING OR SELLING?
Check RADON LEVELS Courtesy: www.newscanada.com
One of the biggest mistakes both buyers and sellers make is not testing for hidden health hazards. But if you're a buyer, you want to make sure that your new home will provide a healthy living environment for you and your family. If you're a seller, showing that your home is free from certain dangers can help close the deal and offer potential buyers peace of mind. One hazard that Health Canada is recommending that all homeowners test for is radon, a radioactive gas that comes from uranium in the ground and can get into a home undetected. Since long-term exposure to radon is known to cause lung cancer, it's a smart move to check its levels. Testing is simple — you can either purchase a do-ityourself test kit or hire a certified radon measurement professional. The DIY kit will include instructions on how to set
up the test and send it back to a lab for analysis once the testing period is over. To get a realistic estimate of the radon exposure, all measurements should be made in the lowest lived-in level of the house where people spend more than four hours per day. Potential measurement locations include family rooms, living rooms, dens, playrooms and bedrooms. A lower level bedroom is preferred because people generally spend more time in their bedrooms than in any other room in the house. Similarly, if there will be children in the house, lowest level bedrooms or other areas such as a playroom are preferred. Health Canada recommends a long-term test for a minimum of three months. If you're selling, this means you should complete the test before listing your property. If you're buying, you will need to make sure there is enough time to
complete the testing or request that a clause be added to the sale agreement to allow for high radon levels to be fixed. The cost of a radon reduction system, if needed, is very small compared to the cost of the home. A dream home doesn't become a nightmare if it tests positive for high radon levels — techniques to lower radon levels are effective, affordable and will improve the home's indoor air quality. A radon mitigation system can be installed in less than a day, and in most homes will reduce the radon level by more than 80 per cent for about the same cost as other common home repairs such as replacing the furnace or air conditioner.
Find more information at www.canada.ca/radon.
i
Serving the GREATER OTTAWA and All Surrounding Areas
Troy
Suzanne
ROBINSON
ROBINSON
Real Estate Broker
BILINGUAL
Centurion
Real Estate Broker
Direct: 1-613-323-5000
Direct: 1-613-837-8833
troy.robinson@century21.ca
ACTION POWER TEAM LTD.
Cell: 1-613-291-2121 suzanne@c21apt.com
Office: 1-613-837-3800
Registered Relocation Specialists Over 75 years combined experience serving Ottawa +++
We pride ourselves in Buyer and Seller satisfaction! VIP Service with class every step of the way. Testimonials available upon request. Each office independently owned and operated.
74
On The Move: A Guide to Relocating
Ottawa, Ontario
Welcome Home to Ottawa Posted To or From the NCRâ&#x20AC;¦ Call us today to get started on Buying or Selling.
BETH BONVIE, Broker
613.762.1048 bbonvie@royallepage.ca
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To view a map of the NCR & CF locations visit:
MilitaryMoveAgent.com Ottawa, Ontario
On The Move: A Guide to Relocating
75
Posted into or out of Ottawa? Call, text or email anytime and letâ&#x20AC;&#x2122;s start this smooth transition
Ryan Jones Broker | Coldwell Banker First Ottawa Realty
Ryan was extremely professional and dedicated to helping us find a home in a very short timeline. He very quickly understood what we were looking for and adjusted his research and recommendations according to our comments. We will recommend Ryan to all our friends looking for an agent in the Ottawa area.â&#x20AC;? â&#x20AC;&#x201C; Arleta, Military Buyer
613ď&#x161;ş314ď&#x161;ş5075 OFFICE: 613-728-2664 E-mail: ryan-jones@coldwellbanker.ca
REMEMBER, WHEN YOU THINK REAL ESTATE... THINK RYAN
Ę&#x17E;Ë&#x20AC; |Ä?ÄĥĨĂ&#x17D;Ă&#x160;Ë&#x20AC;vÄÄ&#x161;Ä&#x161;Ä&#x201A;Ä?ĨË&#x20AC;QĂ&#x17D;ĨĹ&#x2026;Ä&#x201A;Ä?Ă´Ë&#x20AC;ĨË&#x20AC;Ĺ&#x2039;Ä&#x201A;ÄÄ?Ë&#x20AC; Ă&#x160;ĂŚÄĄÄ&#x161;Ä&#x201A;ÄĄÂŤĂśË&#x20AC;Ęą Ä?Ä&#x201A;Ä&#x201A;Ă´Ă&#x;ĂŚĂ&#x17D;ĂśĂ&#x160;Ë&#x20AC;Ä?Ă&#x17D;à ÌĥĨĂ&#x17D;Ä?Ă&#x17D;Ă&#x160;ʲ
Join my network!
Ę&#x17E;Ë&#x20AC; PĥĨĂ&#x17D;Ä?Ë&#x20AC; Ă&#x17D;Ä?ĨÌĂ&#x;ĂŚĂ&#x17D;Ă&#x160;Ë&#x20AC;QĂ&#x17D;Ă Ä&#x201A;Ĩ̍ĨÌÄ&#x201A;ĂźË&#x20AC;$Ĺ&#x160;Ä&#x161;Ă&#x17D;Ä?ĨË&#x20AC; ĘąP Q$ʲË&#x20AC;Ă&#x160;Ă&#x17D;ĥÌà ߍĨÌÄ&#x201A;Ăź Ę&#x17E;Ë&#x20AC; Ä&#x201A;ĂśĂ&#x160;Ĺ&#x2026;Ă&#x17D;ÜÜË&#x20AC; ßôĂ&#x17D;Ä?Ë&#x20AC;<ßĨĂ&#x17D;Ä?ߍĨÌÄ&#x201A;ߍÜË&#x20AC; ɸɾË&#x20AC;ÄĂźĂ&#x160;Ă&#x17D;Ä?Ë&#x20AC;ɸɾË&#x20AC; Ĺ&#x2026;ÂŤÄ?Ă&#x160;Ë&#x20AC;ʹɡɾɜɺʲ
www.ryanjones.ca
FIRST OTTAWA REALTY, BROKERAGE
(DFK 2IÂżFH LV ,QGHSHQGHQWO\ 2ZQHG DQG 2SHUDWHG
Time to get financing in place? â&#x153;&#x201C; Great mortgage rates â&#x153;&#x201C; Quick approvals â&#x153;&#x201C; 120-Day rate commitments â&#x153;&#x201C; Purchases, mortgage transfers & equity take-outs â&#x153;&#x201C; Hassle-free applications by phone, fax & email
Bruno Paravan Manager, Residential Mortgages
613ď&#x161;ş795ď&#x161;ş9857
With over 20 years of experience and a background in financial planning, I can help you navigate and understand the abundance of mortgage options in todayâ&#x20AC;&#x2122;s marketplace. My goal is to ensure that every customer gets not only an excellent rate but also the right mortgage option, suited to their needs and unique financial circumstancesâ&#x20AC;?
E-mail: bruno.paravan@td.com
www.brunoparavan.com
76
On The Move: A Guide to Relocating
WHAT YOU NEED TO KNOW ABOUT
Your Property
Did you know that homeowners are responsible for the maintenance and replacement of service lines on their property when they fail? The costs associated with digging up, repairing or replacing service lines can run into thousands of dollars. More than that, any damages to trees, shrubs and driveways due to repairs must be paid out-of-pocket by homeowners.
they own the outdoor service lines from their property line to their house, and behind their house to a well, septic tank or out-building.”
Alarmingly, many homeowners are not aware that service line failures — including water, sewer, septic, electrical and telecommunications lines — are not covered by most home insurance policies.
HOW OLD ARE YOUR PIPES? The average lifespan of water pipes is 25 years, but the average age of pipes in many areas in Canada is over 50 years old, and several municipalities have water systems of comparable age. Knowing the age of your own water pipes will help you determine whether they're due for a repair or replacement.
“Every homeowner needs to be knowledgeable on what they're covered for and what they're not,” advises Isabelle Bientz, insurance expert from Aviva. “Most service lines run underground, making it easy to forget the importance of getting them checked for repairs. A lot of homeowners are also not aware that
Ottawa, Ontario
Before the unexpected break, leak, tear, rupture or collapse occurs, homeowners need to ask themselves these questions about their service lines:
WHAT ARE YOUR PIPES MADE OF? Depending on what your pipes are made of, the life expectancy will differ. It's important that you check the material of your sewer and water pipes in order to make an educated
Courtesy: www.newscanada.com
assessment, or consult an expert to see when they're due for a repair or in need of a replacement. DO YOU HAVE MATURE TREES NEAR YOUR PROPERTY? If you own a home with mature trees on or near your property, the roots could cause serious damage to your service lines. Clay pipes, which are most commonly used to build water and sewer lines in older homes, can be easily penetrated and damaged by tree roots. If you suspect a tree root problem, contact a professional to investigate before the situation worsens.
i
Not sure if you need coverage for your service lines? Find more information from your insurance broker or online at www.avivacanada.com
On The Move: A Guide to Relocating
77
WE ARE YOUR MILITARY RELOCATION SPECIALISTS
Your Home SOLD GUARANTEED or Marnie Will Buy It!*
SOLD FOR
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On The Move: A Guide to Relocating
Ottawa, Ontario
ONTARIO
GARRISON/GARNISON
TORONTO ABOUT TORONTO With all there is to see and do in Canada’s largest city it is easy to lose sight of a Department of National Defence presence here. But along with Garrison Petawawa, Garrison Toronto is part of 4th Canadian Division Support Group (CDSG) with headquarters shared between the two locations. Adjacent to the former Downsview Airport the Denison Armoury off Sheppard Avenue West is home to the 4th Canadian Division Headquarters as well as the 4th Canadian Support Group Detachment Toronto. Other principle military elements under 4 CDSG here include Personnel Support Services, Operations Services, Technical Services, Engineer Services, Signal Services, Corporate Services, Environmental Services and Safety Services. Both the 31 Canadian Brigade Group and the 32 Canadian Brigade Group call Garrison Toronto home, as do 2 Military Police Regiment, 32 Health Services, Defence Research Development Canada Toronto, Canadian Forces Recruitment Centre, Canadian Forces College, Regional Cadet Support Unit Central Detachment Toronto and Joint Personnel Support Unit Southern Ontario. Royal Canadian Navy Units in Toronto include the HMCS York, the HMCS Hunter, the HMCS Prevost and the HMCS Star. Civilian Units at the Denison Armoury include Personnel Support Programs featuring Military Fitness and Sup Recreation, ation, Health Promotion and a Mess, along with a sttri riki iki king ng Tor oron onto Military ary Family Res Resource Centre across the st th the s re r et et.
SUR TORONTO Avec tout ce qu’il y a à voir et à faire dans la plus grande ville du Canada, il est facile de perdre de vue la présence du ministère de la Défense nationale ici. Mais, comme la Garnison Petawawa, la Garnison Toronto fait partie du Groupe de soutien de la 4e Division du Canada (GS 4 Div C), les deux organisations partageant le même quartier général. Adjacent à l’ancien aéroport Downsview, le manège militaire Denison, perpendiculaire à l’avenue Sheppard ouest, héberge le quartier général de la 4e Division du Canada, ainsi que le Détachement Toronto du Groupe de soutien de la 4e Division du Canada. Les autres principaux éléments militaires sous le GS 4 Div C ici comprennent les Services de soutien au personnel, les Services des opérations, les Services techniques, les Services du génie, les Services des transmissions, les Services généraux, les Services environnementaux et les Services de sécurité. Le 31e Groupe-brigade du Canada et le 32e Groupebrigade du Canada sont chez eux à la Garnison Toronto, tout comme le 2e Régiment de la Police militaire, le 32e Centre des Services de santé des Forces canadiennes – Toronto, Recherche et développement pour la défense Canada Toronto, le Centre de recrutement des Forces canadiennes, le Collège des Forces canadiennes, le Détachement Toronto de l’Unité régionale de soutien aux cadets (Centre) et l’unité interarmées de soutien du personnel du Sud de l’Ontario. Les unités de la Marine royale canadienne à Toronto comprennent le NCSM York, le NCSM Hunter, le NCSM Prevost et le NCSM Star. Les unités civiles installées au manège militaire comprennent prennent les programmes p de soutien du personnel nota no tamm mmen e t le conditionnement ionnement p physique et les activités récr ré créa éati tive vess miililita tair ires e , la Promotion de la santé et un mess me s , en plu lus d’ d’un un for ormi m dable Centre d de ressources p u po urr les e familless de d s mi mililtair ires e de Toronto o qui se trouve d l’a de ’aut utre e côtté de la ru rue. e
Ontario
On The Move: A Guide to Relocating
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Heroes Program Buy a Home through Revolution Realty and receive a Buyer’s Rebate of 20% of the gross commissions – PLUS – Revolution Realty will donate 5% of the gross commissions to Wounded Warriors Canada upon successful completion of sale. Ask for details.*
Giving back to those who give us so much!
*Valid CFOne card or Military ID required when meeting with a member of the Revolution Realty team.
Jonathan Schwarz, ABR, CNE, SRS President & Broker of Record, Revolution Realty, Brokerage 1235 Bay Street, Suite 700, Toronto, Ontario, M5R 3K4 DIRECT OFFICE
(416) 738-2272 (647) 556-4555 jon@revolutionrealty.ca
www.revolutionrealty.ca 80
On The Move: A Guide to Relocating
Toronto, Ontario
Prepare ahead
to get the most out of your
Relocation is a fact of life when you join the CAF and can be an exciting part of your career. However, despite advances in digital technology, finding a new home in a different location can be stressful, particularly if you’re moving out-ofprovince or hours away from your current residence. Unlike civilian home shoppers, your timeline to find a new home is limited to a few days, not weeks or months. If you do not prepare enough in advance of your House Hunting Tour (HHT), it could be a flop. My advice is simple, avoid disappointment by planning ahead as much as possible. To help, I developed some easy to follow steps which you can use as an action plan. Keep it handy as you work toward your final goal – finding a suitable location and home at the right price does not have to be complex. When your realtor has a solid understanding of your wants and needs, they will be able to act swiftly on your behalf. GET PRE-QUALIFIED FOR A MORTGAGE This is the most important steps in the entire process. Why? It means you can shop comfortably. Knowing exactly what you can afford to buy well in advance of your home search will keep you on the right track and eliminate reviewing properties that you can’t afford. Since it will take a few days to get your pre-approval in place, be sure you check in with your mortgage broker or financial institution to see what is required as soon as possible. Yes, there’s some boring paperwork involved, but it’s well worth the effort to do this beforehand. Don’t run the risk finding the right home at the wrong price, or worse, underestimating what you can afford and buying something that doesn’t suit your needs. Your realtor will be able to start sending you realistic selections to review online as soon as this step is completed. IDENTIFY A SELECTION OF PREFERRED LOCATIONS Now it’s time to narrow the playing field – yes, it’s all about location, location, location. If you have p locat preferences as to boundaries or streets, tell your re boundaries realtor. Conducting ucting your yo our own neighbourhood
Ontario
research is always a good idea, as location is a personal choice. A knowledgeable realtor should know what neighbourhoods match your criteria best. But if you have very particular boundaries or areas you want to live in, write them down, prioritize your favourites and share them with your realtor. Considerations such as schools, shopping, transit etc., should be taken into account, and think about your future needs too. Everyone is different. Work with your realtor to decide which neighbourhoods you want to focus on and which ones are off limits before the search process begins. You’ll save a ton of time. KNOW WHAT YOU WANT Finally! It’s time to get into the fun stuff. Now that you and your realtor understand your price and location needs, you will need to think about what kind of home you’re looking for. Check out what kind of housing is available in and around the areas you want to live by checking out realtor.ca. There will often be photos, videos and descriptions of the homes for you to review. It’s a great way to take a peek inside before your visit. Now that you have a better idea of what’s available, decide what type of home you want, including all of your must-have options, not just one or two items. Start with the basics such as: • Housing type: detached, two-storey or bungalow, condo, townhome, semidetached. • General lot size and number bedrooms and bathrooms
of
• Features: air conditioning, finished basement, ensuite bathrooms, parking needs, garage needs, backyard space etc. Prioritize these into a “must-have” list and a “nice to have” list. • Decide if you are willing to renovate, and if your preference is a newer home or an older home. What are your design preferences? Are you looking for modern finishes, or are you more of a traditionalist? Again, your realtor will want to know all of these details well in advance so they can start emailing you more detailed listings, including
HHT exclusive listings not found online, as soon as possible.
GETTING READY FOR YOUR HHT
You’ve done your homework, now it’s time for the realtor to work their magic. They should be gathering and sending you as many properties as possible and asking for your feedback as to whether or not you’re interested. A good realtor will send you properties that don’t always fit your full criteria, but always match your essential list of most important needs, but it’s up to you to decide if they make your final list or not. ON THE TOUR Ideally, you’ll get to see all the homes you’ve been dreaming of, but I recommend viewing only five or six homes per day. Any more than that will be confusing and overwhelming. In the case of a condo, if there are multiple units in one building to view, you can definitely pack in more tours. I also suggest you wear comfortable clothing and shoes that you can easily slide on and off. There will be lots of driving on tour day so pack a snack. Have your wish lists handy, and get ready for an intense but exciting day of house hunting and touring your new community. Thanks for reading and best of luck with your housing hunting tour.
Jonathan Schwarz has been practicing real estate for 14 years. The broker of record for Revolution Realty in Toronto, Jonathan specializes in the relocation of CF personnel within the Greater Toronto Area. He can be reached at 647-556-4555 x 100 or at jon@ revolutionrealty.ca or by visiting www. revolutionrealty.ca. Revolution Realty’s Heroes program offers a 20% cash back incentive on the gross sale of your property – it’s our way of giving back to those who give so much. We also donate five ve per cent of the gross sale of your home ho to Wounded Warriors Canad anada.
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DESIGN UPDATES:
Keep your kitchen looking fresh At the heart of every home is the kitchen — a space for cooking, eating, congregating, sharing and kicking back. But keeping your kitchen looking its best can be complicated, as large-scale renovations are expensive and disruptive. But a few simple updates can have a major impact. Here are some tricks and trends for updating this popular room. COLOUR IS THE NEW WHITE For years, the all-white kitchen has dominated Pinterest boards and decorating magazines. But this fall, designers are looking to colour — anything from a neutral grey to a bold navy — to add personality and style. You can start simple, with a few well-placed accessories or up the ante by painting cabinets. Want to go even bolder? Try a coloured sink, a hot new trend that can create a real talking point. Use a hue that matches your backsplash to ensure the sink works with your existing décor.
i
Find more information about unique appliance finishes online at geappliances.ca
TRADE UP TO NEW APPLIANCE FINISHES Stainless steel has been the status quo for so long that it’s hard to remember our kitchens looking like anything other than a sea of silvery metal. But new appliance finishes are adding warmth, texture and tone in exciting ways. Black slate, a newly introduced finish from GE Appliances, is a perfect example — it’s bold and contemporary yet classic and versatile enough to match nearly any décor. Available on GE Café refrigerators, ranges, range hoods and dishwashers, the deep charcoal finish commands just the right amount of attention while its matt tte e texture hides fingerprrin ints tss and vir irtu irt tual tual ally ly y elim el im minates e smu m dg d es.
DESIGN FROM THE GROUND UP Swapping out your flooring can make a huge statement, upgrading the look and feel of your kitchen. This fall, retro checkerboard floor tiles are capturing attention, but not the 50s-style diner look you may have in mind. Instead, monochromatic colours and updated grid formations are bringing this classic look into the 21st century. Another trend to note: interlaced tile and wood transitions around the sink. Not only will the juxtaposition add interest and texture, the look is incredibly practical, saving your wood from damage caused d by spills. Cour urrte tesyy: Ne News ws Can a ad da
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Jenny Gonzalez, Mortgage Agent & Executive Assistant
On The Move: A Guide to Relocating
Jamie Lobo, Mortgage Agent
Call 866-492-4024 thinkmortgage.ca
Ontario
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Find more information from your insurance broker or online at avivacanada.com
Toronto, Ontario
In many Canadian neighbourhoods, older trees add character and a sense of heritage to streets and homes. But during severe weather, these trees often show their age and can break or fall, causing damage to property and even injury to people. Don't wait until after a major ice storm hits to inspect your trees â&#x20AC;&#x201D; use this guide to spot signs of trouble and protect your family and neighbours.
INSP IN SPEC SPEC CT T.. Che heck c yo ck ou ur tr tree ee es ffo or de dead d ba br an nch c ess, pe eel elin in ng ba b rk rk,, crrac cks ks in the th he trrun trun unk k,, fun u gu us ne ear a the h roo oots tss and d crac cr acke ac ked orr rai ke aise s d sso oilil. Ta Take ke a ste ke tep p ba b ack k to look lo ook at the e tr tree ee as a wh ee ho olle to see to e if it i 'ss lea eaning ng g; trree e s le eanin an nin i g tow to owa ward r s th he East are e morre liike ely y to o fall because e mo most s win inds in ds b ow bl w fro rom m th the e We Westt. West PRUNE. Tackle damaged limbs and branches to help balance leaning trees and distribute their weight more evenly. Pruning also opens up tree canopies to let in more light and air for a healthier tree.
BR B RA RAC AC CE. E. Ad Add so om me e sup uppo ppo port rt to we rt w ak aker er tree tr ree es w wiiith th cab th ables able le es orr braci ra acing cing ci g rod ods on ods e th ei ther her er siid de off the he tre ree. e. Pro rote ote ect ct ten end de er bark ba rk with ith pa it pad dd din i g be befo fo fore ore e attac chi h ng the th e ca ab blles es. PREV PR PREV VEN ENT T.. K Ke eep p trre eess hea ealthy and ea sttop p pro ro ob bllem ms lilike lik ke e dam amag aged ag ed d bra anc nche hes he befo be f rre e the hey star ssttart wi w th t yea e r--ro oun und d garden en nin ing a an nd maintenance. Usse e appropriat a e trea at attm ments for pests and fungus, and water, fertilize and mulch h regularly. Don't be afraid to call in a professional arborist or landscaper for help and expertise.
On The Move: A Guide to Relocating
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Buying or Selling in Toronto? YOU NEED A LAWYER!
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84
On The Move: A Guide to Relocating
Toronto, Ontario
QUEBEC
CFB/BFC
VALCARTIER ABOUT VALCARTIER
SUR VALCARTIER
Located on a plateau at the foot of the Laurentian Mountains, some 29 kilometres from Old Quebec, Base Valcartier is spread over an area that measures about 12 by 24 kilometres.
Située sur un plateau au pied des Laurentides, à 29 kilomètres du Vieux-Québec, la base de Valcartier occupe un territoire d’environ 12 kilomètres sur 24.
Valcartier Garrison is, without a doubt, one of the best equipped bases in the country. It boasts 645 housing units, a shopping centre, a newspaper, two schools, a chapel, a military family resource centre, a hospital, a community centre, a sports centre, a golf course and numerous recreational clubs that make it the envy of many bases. Valcartier is also home to the Myriam Bédard Biathlon Centre, one of the best biathlon facilities in North America. The area around Valcartier is without a doubt a paradise for those who enjoy outdoor activities. Snowmobiling, cross-country skiing, snowshoeing, horseback riding, canoeing, hunting, fishing, swimming, hiking, mountain biking and comfort biking can all be enjoyed close by the base. Whether you’re looking to stay in shape or simply to have fun, the possibilities are infinite!
Quebec
La Garnison Valcartier est sans aucun doute l’une des bases les mieux équipées au pays. On y trouve un secteur résidentiel de 645 logements, un centre commercial, un journal, deux écoles, une chapelle, un centre de ressources pour les familles des militaires, un centre hospitalier, un centre communautaire, un centre de sports, un parcours de golf et de nombreux clubs de loisirs qui font l’envie de beaucoup d’autres bases. En outre, c’est là que se trouve le Centre de biathlon Myriam-Bédard, l’un des meilleurs sites du genre en Amérique du Nord. La région où se trouve Valcartier est, sans conteste, le paradis du plein air : on peut pratiquer à proximité de la base la motoneige, le ski de randonnée, la raquette, l’équitation, le canot, la chasse, la pêche, la natation, la randonnée pédestre, le vélo de montagne et la randonnée en bicyclette. Faites votre choix, une multitude de possibilités s’offrent à vous que ce soit pour garder la forme ou pour le plaisir.
On The Move: A Guide to Relocating
85
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86
On The Move: A Guide to Relocating
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Quebec
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Quebec
On The Move: A Guide to Relocating
87
QUEBEC
CFB/BFC
BAGOTVILLE ABOUT BAGOTVILLE
SUR BAGOTVILLE
Canadian Forces Base Bagotville, home of 2 and 3 Wing, is one of only two fighter bases in Canada. Located in Quebec’s Saguenay region CFB Bagotville is actively involved in both the social and economic life and is considered a key player in the Saguenay-Lac-Saint-Jean region.
La Base des Forces canadiennes Bagotville, qui abrite la 2e et la 3e Escadre, est l’une des deux seules bases de chasseurs du Canada. Située dans la région du Saguenay, au Québec, la BFC Bagotville est activement engagée dans la vie sociale et économique et l’un des acteurs majeurs et essentiels du Saguenay-Lac-Saint-Jean.
The CFB Bagotville population, numbering approximately 2100 Canadian Forces members and civilians, are an integral part of the community and participate in many of its activities. As a result, strong ties have been formed over the years between the base population and the community.
La population de la BFC Bagotville, quelque 2 100 militaires et civils des Forces canadiennes, fait partie intégrante du milieu et s’implique également dans plusieurs sphères d’activités communautaires. Des liens solides se sont donc tissés au cours des années entre la population de la Base et la collectivité.
Saguenay-Lac-Saint-Jean is a vast territory of wilderness, visually stunning landscapes featuring large lakes, meandering rivers, towering mountains and a Fjord carved out of a glacial valley. Located in the centre of the province and less than 200 kilometres north of Quebec City, Saguenay features such attractions as the huge Lake Saint-Jean and the Valin Mountains. The captivating Saguenay Fjord, with its sharp cliffs and sloping valley, is scattered with picturesque villages reminiscent of rural France. All this natural beauty creates endless recreational opportunities for the outdoor enthusiast. The Saguenay Region is a popular summer retreat area for vacationers looking to escape the hustle and bustle of the big city.
Le vaste territoire du Saguenay-Lac-St-Jean est sauvage et renferme des paysages somptueux, comptant maints lacs et rivières sinueuses, des montagnes vertigineuses et un Fjord creusé dans une vallée glacière. Situé au centre de la province et à moins de 200 kilomètres au nord de Québec, le Saguenay compte des attractions tels l’immense lac St-Jean et les monts Valin. Le fantastique fjord du Saguenay, avec ses falaises abruptes et ses vallées en pente, est parsemé de jolis villages qui rappellent la France rurale. Toutes ces beautés naturelles sont synonymes de possibilités infinies pour l’amateur de plein air. La région du Saguenay est une retraite populaire en été pour les vacanciers qui cherchent à échapper au tohu-bohu de la grande ville.
The Saguenay–Lac-Saint-Jean region has an enviable industrial structure. Its industries, which are always on the alert for new technology, draw upon skilled manpower and a dynamic industrial environment. First developed for its forest wealth, the Saguenay–LacSaint-Jean economy was transformed by its immense hydro-electrical potential harnessed to operate its large aluminum smelters smelters. Agri Agri-food, food a particularly important industry in Lac-Saint-Jean, is represented by dairy and grain production, milk and meat processing, and blueberry growing and processing. Recreation and tour to uris ur ism is m (t ( ou ouri rism ri sm,, cu sm cult ltur lt ure ur e, lei e, eisu sure su re,, hu re hunt ntin nt ing in ng an and d fi f sh shin i g) g is a fa fast st-g st gro rowi wing wi ng sec ecto torr of to of the he eco cono nomy no my. my. my
La région du Saguenay-Lac-St-Jean possède une structure industrielle enviable. Toujours à l’affût de nouvelles technologies, ses industries attirent une maind’œuvre qualifiée et constituent un environnement industriel dynamique. À l’origine basée sur les richesses forestières, l’économie du Saguenay-Lac-Saint-Jean s’est transformée à la suite de l’harnachement de son immense imm potentiel hydroélectrique qui permet aujourd’h aujourd’hui d’exploiter d’immenses alumineries. Le secteur agro-alimentaire représente une industrie particuliè particulièrement importante au Lac-Saint-Jean. Il y est représen représenté par les productions laitières et céréalières, les transformations trans du lait et de la viande, ainsi que la culture et e la transformation du bleuet. Les activités rrécréotouristiques ré créoto (tourisme, culture, loisirs, chasse et pêche) et pêche sont un secteur de l’économie en rapide c cr roissanc croissance.
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On The Move: A Guide to Relocating
Quebec
Quebec
On The Move: A Guide to Relocating
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Un programme financier conçu pour les militaires Des rabais et avantages exclusifs • Forfait avec transactions illimitées à tarif avantageux. • Rabais sur le taux d’une marge de crédit personnelle. • Remise en argent de 0,5 % sur un nouveau prêt hypothécaire Desjardins. • Assurance habitation et véhicule adaptée à la réalité militaire. • Accompagnement et conseils adaptés à votre réalité tout au long de votre cheminement professionnel et personnel. • Accompagnement personnalisé lors de vos réclamations de relogement.
Financial program for military personnel Exclusive advantages and discounts • Unlimited transaction plan at a low price. • Discounted rate on a personal line of credit. • 0.5% cash back on a new Desjardins mortgage loan. • Home and auto insurance tailored to the needs of military personnel. • Advice and support that meet your personal and professional needs throughout your career. • Personalized support for your relocation claims.
Centres de services · Service Centres Québec • 190, rue Dubé, Courcelette Montréal • Garnison Saint-Jean, Richelain Saguenay–Lac-Saint-Jean • 3e Escadre Bagotville, Alouette Outaouais • 259, boul. Saint-Joseph, Gatineau
1 866 307-3787 • desjardins.com/militaire
*Certaines conditions s’appliquent *Some conditions apply
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facebook.com/ caissedesmilitaires
On The Move: A Guide to Relocating
Quebec
QUEBEC
CFB/BFC
MONTREAL ABOUT MONTREAL Living in the city or in the surrounding suburbs When it comes time to settle in the Greater Montreal Area, there is no shortage of choice. Montreal is both fast paced and welcoming, offering big-city attractions while still allowing you to enjoy the warmth of neighborhood life. The South Shore offers your family a stimulating environment that is close to nature. Recognized the world over for its cultural vitality, Montreal is also a city of knowledge, as it is home to a number of universities, schools and research centres. Two centuries of immigration have resulted in Montreal being open to the world and close to its people. In the same day, you can do your shopping in a big public market, have lunch in a Tibetan restaurant, attend a free concert by a well-known jazz musician and weed your community-garden plot. Libraries and cultural centres abound in the Montreal area, as do parks, where you can engage in various sports or outdoor activities. Just minutes away from the gleaming skyscrapers, you can watch beaverss or go fo forr a walk in a marshland. Be eca caus u e of their proximity to major roadwa ays and the heir ir transportation network rks, s, the cit itiies off the Sou o th Shore are sure to offer a lifestyle th hat app p eals ls to all memberss of you ourr fa fami mily ly.. A nu numb mber mb er of un univ iver ersi siti si ties ti es hav ave e ca camp mpus uses es on the Sou outh th Shore hore, and wh whetther yo you u lilive ve in Lo Longueuil, Sain Sa inte te-J -Jul ulie ul ie or Ca Cand diac, iac, you can get to Montreal in a matt ma tter er of mi minu nute tes. s. On th the e So outh Shorre, you can enj n oy a ri rich cultura r l life and the pleasure of liv ivin i g cl close to the h coun co u try. It is the perfect pla lace c for tho hose who love wide open op e spa pace c s.
Quebec
SUR MONTRÉAL Habiter la ville ou sa banlieue Lorsque vient le temps de s’établir dans la grande région montréalaise, les choix ne manquent pas. Trépidante et accueillante, Montréal vous offre les attraits des plus grandes capitales tout en vous permettant de bénéficier d’une chaleureuse vie de quartier. De son côté, la Rive-Sud met tout en œuvre pour que votre famille évolue dans un environnement stimulant, près de la nature. Reconnue mondialement pour sa vitalité culturelle, Montréal est également une ville de savoir, hébergeant de nombreuses universités, écoles et centres de recherche. Marquée par deux siècles d’immigration, elle se veut résolument ouverte sur le monde et près de ses gens. Dans la même journée, vous pourrez faire vos courses dans un grand marché public, luncher dans un resto tibétain assister au concert gratuit d tibétain, d’un un jazzman réputé ou désherber votre parcelle de jardin communautaire! Les bibliothèques et maisons de la culture foisonnent surr le ter su erri rito oire mo ont ntré réalais, tout comme les parcs où il fait bo bon s’’adonne d n r à diverses acttiv ivit ités sportives ou de plein in airr. Ai Ains nsi,i, à quelq que uess mi minu nute tes de dess gr gratte te-c -c cie iell ruti ru tila l nts, vous pourre rez z ob obse serv rver e des casto er t rs ou u vo vous u us balader danss un marais i . Grâce Grâ e à le leur pro roximité des e gra and ndss ax axes routiierrs ett à leu e rs r réseaux de transport, le es vi villlllles es de la Riv ivee Su eSud d offfr fre ent un style e de vi v e co onv venan ena t à to tous us les mem embr bres ess de vo ottrre fami fa millle. e Plusieurss uni nivers rssit ités és y pos ossè sède sè dent nt des cam mpu pus ett que qu e vous hab abittie ez Lo Long ngue ueuiil,l, Sai aint ntee-Ju Julilie e ou Can andi diac ac,, v us vo u pou urr r ez e vou ouss re rend ndre re à Mon ontr tréa éall en que uelq lque uess m nu mi nute es. Sur la Ri Rive ve-S ve -Sud ud,, vo vous us bén énéf éfic icie iere rez z d’ d’un une e vi vie e cult cu ltur lt urrel elle le div ive ertiss s a ss an nte te et du pla lais isirr d’h isir hab a it iter er à deu ux pa pass de la ca camp m ag mp gne n . Av Avis is aux u ama mate teur urss de gra ur rand ndss es espa pa ace es!!
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WWW.POSTEDTOMONTREAL.COM WWW.POSTEDTOSTJEAN.COM
Stephan Leroux
R
ACTION INC.
“Stephan a été notre homme à plusieurs reprises. Il en donne toujours plus et surtout il s’arrange pour que nous soyons heureux dans notre maison et qu’on ait sauvé le plus d’argent.”
10+
YEARS IN REAL ESTATE ANNÉES EN IMMOBILIER
22+
COURTIER IMMOBILIER • REAL ESTATE BROKER
Sgt Phil Paquin-Bénard -
YEARS OF MILITARY SERVICE ANNÉES DE SERVICE MILITAIRE
“Stephan went above and beyond what I expected from a real estate agent. His knowledge and housing accumen is an asset. He is always going to great lengths to make sure you are fully aware of the process, as we leaned that buying a property is both daunting and stressful, but Stephan relieved much of that stress. Would not hesitate one second to recommend him to friends and family.” Sgt Jonathan Jacobs -
QUALIFIED
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QUALIFIÉ
“Stephan a su nous mettre tout de suite en confiance. Professionnel et proactif, il a trouvé des maisons qui concordaient parfaitement avec nos besoins. Il a su nous guider lors des visites et nous indiquer les détails importants sur lequels nous devions nous attarder.” Capt Sonia Ménard -
514.933.1221 POSTED TO OR FROM MONTREAL/ST.JEAN, I WOULD BE HAPPY TO HELP WITH YOUR MOVE! TRANSFÉRÉ À OU DE MONTRÉAL/SAINT-JEAN, JE SERAI HEUREUX DE VOUS AIDER AVEC VOTRE DÉMÉNAGEMENT!
STEPHAN.LEROUX@REMAX.CA
REMAX.CA/FR/STEPHAN.LEROUX
1225, AVENUE GREENE, WESTMOUNT, (QUÉBEC) H3Z 2A4
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Quebec
QUEBEC
CFB/BFC
SAINT-JEAN ABOUT SAINT-JEAN
SUR SAINT-JEAN
An area with an enviable community life
Une région où il fait bon vivre!
Saint-Jean-sur-Richelieu is a city of big events, a great place to live and to visit.
Saint-Jean-sur-Richelieu : ville des grands événements, ville où il fait bon vivre, où passer de bons moments.
What distinguishes Saint-Jean-sur-Richelieu from the other Saint-Jean’s in Quebec is the Richelieu River. Today, the Richelieu is synonymous with leisure: water sports and boating, fishing, strolling and biking along the Chambly Canal, watching snow geese and ice skating. Saint-Jean-sur-Richelieu offers the advantages and amenities of a large city, and the beauty and simple pleasures of the country. You will find magnificent heritage homes in L’Acadie, a neighborhood that welcomed a host of Acadian exiles beginning in 1763. If you enjoy agritourism, the L’Acadie and SaintAthanase districts offer several agriculture-related tourist sites. The city and the region are also in the heart of the Quebec wine route. For cycling, the Chambly Canal bike path extends to Chambly, through Ile SainteThérèse in the Saint-Luc district. You can even take the Montérégiade and Vallée-des-Forts bike paths from the Saint-Jean district. Golfers can tee up on any of four golf courses, while history buffs might prefer to stroll along the Old Saint-Jean and Iberville heritage circuits, ending their tour at the Musée du Haut-Richelieu or the Musée du Fort Saint-Jean. Foodwise, people from all over are attracted by the reputation of several restaurants. However, Saint-Jean-sur-Richelieu is undoubtedly best known for the International Balloon Festival, the largest gathering of hot-air balloons in Canada. Get swept up in the magic of the balloons and you’ll never look at the sky the same again!
Quebec
Saint-Jean-sur-Richelieu se distingue des autres Saint-Jean de la province grâce à la rivière Richelieu. Aujourd’hui, celle-ci est synonyme de loisir : les sports nautiques et la navigation de plaisance, la pêche, les randonnées sur la piste cyclable du canal de Chambly, l’observation des oies sauvages et le patin l’hiver. Saint-Jean-sur-Richelieu propose les avantages et services de la grande ville tout en offrant les beautés et plaisirs de la campagne. Vous retrouverez dans le secteur L’Acadie, qui a accueilli de nombreux exilés acadiens à partir de 1763, de magnifiques maisons patrimoniales. Vous aimez les plaisirs de l’agrotourisme? Les secteurs L’Acadie et Saint-Athanase proposent plusieurs sites touristiques liés à l’agriculture. La ville et la région sont également au cœur de la route des vignobles du Québec. Côté vélo, la piste du canal de Chambly mène jusqu’à Chambly en passant par l’Île Sainte-Thérèse dans le secteur Saint-Luc. On peut même rouler sur la Montérégiade et l’axe cyclable Vallée-des-Forts à partir du secteur Saint-Jean. Quatre terrains de golf accueillent les mordus de ce sport. Plutôt férus d’histoire? Les Vieux Saint-Jean et Iberville proposent un circuit pédestre patrimonial qui peut se conclure par une visite au Musée du Haut-Richelieu ou au Musée du Fort Saint-Jean. Côté gastronomie, la réputation de plusieurs tables attire les gens de l’extérieur. Mais ce qui fait la renommée de Saint-Jean-surRichelieu est sans aucun doute l’International de montgolfières de Saint-Jean-sur-Richelieu, le plus important rassemblement de montgolfières au Canada. Laissez la magie des ballons vous habiter et vous ne regarderez plus le ciel de la même façon!
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Remember the days when you struggled at your front door, juggling bags of groceries and your keys? Homes have now become smarter, more energy efficient and even intuitive, making hands-free a reality. Automatic environment monitoring, access to lights and appliances from anywhere in the world and voice-controlled gadgets are just some of the ways home life is evolving. Our homes are an extension of our lifestyles, with increased capabilities to seamlessly connect 24/7 at the touch of a wireless button. Here are a few examples of smart home advancements bringing us one step closer to a connected and hands-free space: In the kitchen. Technology has brought hands-free faucets, helping families avoid unnecessary accidents, making cleaning easier and reducing the spread of germs and messes. Companies such as Canaroma are also finding ways to integrate this new touchless technology into stunning design, making it beautiful to look at.
TO A
HAN DS-FREE HOME
1
CALL HOME Long gone are the th days where you
physically dial a p phone. For example, new home systems now offer the ability to call mom simply by saying “call mom.” Products such as Amazon's Echo and Alexa and Google Home are making connecting hands-free simple. Using VoIP — voice over internet protocol — you can now call your contacts and you don't even have to wait for them to get the technology or a Google account to answer.
i
2
CLEAN-UP TIME
You're not alone when it comes to despising cleaning. Fortunately, hands-free options can provide a tidy home without lifting a finger. From air purifiers that automatically scan your environment for airborne allergens and pollutants, to high-tech robotic vacuums that trap dust and dirt and spontaneously move away from objects in their path, coming home after a long workday to a spick-and-span environment can be your reality.
Find more information at www.nationalhomeshow.com
3
Courtesy: www.newscanada.com
WE'RE MOVING TOWARDS TO A TRULY INTUITIVE LIFESTYLE
Companies such as TA Appliances, Teletime and Appliance Canada are taking us one step closer to a hands-free world. The next generation of smart home products will continue to expand our ability to connect to contacts, appliances and other smart-home devices anywhere in the world and on vocal demand. Find out how you can integrate technology into the design of your space and live hands-free at the National Home Show, presented by Re/Max on March 9 to 18 at the Enercare Centre, Exhibition Place.
Saint-Jean-sur-Richelieu et les environs
LOFT À LOUER EN IMMOBILIER DEPUIS 1990
Eric Thibodeau Courtier immobilier
Cell.: 514 947-0946
eric.thibodeau@remax-quebec.com
1055, boul. du Séminaire Nord, bureau 302, Saint-Jean-sur-Richelieu
94
EN IMMOBILIER DEPUIS 1993
Nathalie Rioux Courtier immobilier agréé D.A.
Cell.: 514 214-6920
nathalie.rioux@remax-quebec.com
450 349-5868
On The Move: A Guide to Relocating
Loft entièrement rénové et meublé (comme à l'hôtel), chauffé, éclairé, câble, internet. À 5 min. de la Garnison Saint-Jean et du Collège militaire. 995$/mois. Eric Thibodeau 514-947-0946 lescourssalaberry.com
Quebec
NEW BRUNSWICK 5 CDSB/BS 5 DIV CA
GAGETOWN ABOUT GAGETOWN
SUR GAGETOWN
Oromocto is known as “Canada’s Model Town”, a progressive and prosperous community developed around 5th Canadian Division Support Base Gagetown; one of the largest military training bases in Canada.
Oromocto, reconnue comme la ville modèle du Canada, est une communauté prospère et en pleine croissance établie près de la Base de soutien de la 5e Division du Canada Gagetown, l’une des plus grandes bases d’instruction au pays.
Oromocto is located on the scenic banks of the St. John and Oromocto Rivers, just a short 15 minute drive from the capital city of Fredericton, New Brunswick. With an ever-expanding population and commercial growth within the town and the surrounding area, Oromocto’s potential sees no limits. Oromocto serves its residents with a public hospital, elementary, middle and high schools, industrial parks, library, military museum, marina, the Gage Golf and Curling Club and many public parks. Oromocto has an experienced, dynamic business presence that makes this town the place to do business in New Brunswick. The town boasts many amenities including three distinct shopping districts, many new and improved large chain stores and unique small businesses. Within a two hour drive of the three major cities in New Brunswick, Oromocto is perfectly situated to meet all your needs. Oromocto is a destination that offers its citizens and visitors alike a wide variety of recreational and cultural opportunities. And with the town located just minutes from the capital city, Oromocto is a great place to spend a day, a weekend or the rest of your life.
Elle est située au bord des rives majestueuses du fleuve Saint-Jean et de la rivière Oromocto, à quinze minutes à peine de Fredericton, la capitale du NouveauBrunswick. Oromocto jouit d’un potentiel illimité, avec sa population sans cesse croissante et son expansion commerciale à l’intérieur même de la ville tout comme dans les secteurs avoisinants. Les habitants disposent d’un hôpital public, d’écoles primaires et secondaires, de parcs industriels, d’une bibliothèque, d’un musée militaire, d’une marina, d’un club de golf et de curling (le Gage) et de nombreux parcs publics. Oromocto, qui compte une population de gens d’affaires expérimentés et dynamiques, est l’endroit idéal pour le commerce au Nouveau-Brunswick. La ville comprend de nombreuses infrastructures, comme trois zones commerciales distinctes, beaucoup de magasins de grande chaîne nouvellement implantés ou améliorés, ainsi que des petites entreprises spécialisées. Située à deux heures de route ou moins des trois plus grandes villes de la province, Oromocto peut ainsi parfaitement répondre à tous vos besoins. Oromocto propose à ses habitants et aux touristes qui la visitent une vaste gamme d’activités récréatives et culturelles. Et comme la ville n’est qu’à quelques minutes de la capitale, il s’agit d’un excellent endroit pour venir passer la journée, la fin de semaine ou le reste de votre vie!
New Brunswick
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NOVA SCOTIA
CFB/BFC
GREENWOOD ABOUT GREENWOOD Life at 14 Wing Greenwood is very much about community, as the base and its personnel form the centre of much of the wider business, education, sporting and hobby interest community. While the base’s operations as Canada’s “east coast super wing” – the largest Royal Canadian Air Force base east of Trenton - focused on long range patrol and search and rescue, are at the forefront; family and community life makes this a base with a difference. As the Annapolis Valley’s largest single site employer, the base employs about 2,200 people, between Regular and Reserve force members, civilians and contractors. During the summer, the wing population increases as home to the Atlantic Region Cadet Summer Training program. The economic impact of all this activity, in terms of annual wages, is approximately $100 million. Operations and infrastructure expenditures expand that impact exponentially, in the Valley and throughout Nova Scotia. The 14 Wing Community Centre co-ordinates 26 special interest and sports programs and a library, there is a family lake-side campground, an 18-hole golf course, a large fitness and sports centre with an array of programs, indoor and outdoor pools, curling and hockey rinks, a bowling alley and more. The Military Family Resource Centre offers essential supports for deployed personnel and their families, children’s programs and care arrangements, educational and social programs. The base also has a unique partnership with local health agencies to offer a family medical clinic to 14 Wing dependants. The Greenwood Military Aviation Museum is a landmark facility, detailing the 70-plus year history of Greenwood military history.
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SUR GREENWOOD Le mode de vie à la 14e Escadre Greenwood est très axé sur la collectivité, la base et son personnel constituant le cœur de la communauté des affaires, de l’enseignement, des sports et des loisirs de la région. Les opérations de cette « super escadre de la côte Est » du Canada (il s’agit de la plus grande base de l’Aviation royale canadienne à l’est de Trenton), axées sur les patrouilles à long rayon d’action et les missions de recherche et sauvetage, demeurent la raison d’être de la base; c’est cependant la vie familiale et communautaire qui en fait un lieu hors du commun. La base emploie environ 2 200 personnes (membres de la Force régulière, réservistes, civils et entrepreneurs), ce qui en fait le plus gros employeur (en un seul endroit) de la vallée de l’Annapolis. En été, la population de l’escadre augmente puisqu’elle accueille le programme d’instruction d’été des Cadets de la région de l’Atlantique. Sur le plan des salaires annuels, l’incidence économique de ces activités se chiffre à environ 100 millions de dollars. Cette incidence, dans la vallée comme dans toute la Nouvelle-Écosse, est encore plus importante lorsqu’on y ajoute les budgets de fonctionnement, d’infrastructure et des opérations de l’escadre. Le Centre communautaire de la 14e Escadre coordonne 26 programmes de sport et d’intérêts divers. La région bénéficie de divers services, dont une bibliothèque, un terrain de camping familial au bord d’un lac, un terrain de golf de 18 trous, un vaste centre de conditionnement physique et de sports offrant toute une gamme de programmes, des piscines intérieure et extérieure, une piste de curling, des patinoires, une salle de quilles et bien plus encore. Le Centre de ressources pour les familles des militaires fournit un soutien essentiel aux militaires déployés et aux membres de leur famille, de même que des activités pour enfants, des services de garde d’enfants et des programmes éducatifs et sociaux. La base profite également d’un partenariat unique avec les organismes de santé locaux, ce qui lui permet d’offrir des services de clinique familiale aux personnes à la charge des militaires de la 14e Escadre. Le Musée de l’aviation militaire, important attrait de la région, raconte plus de 70 années d’histoire militaire à Greenwood.
Nova Scotia
NOVA SCOTIA
CFB/BFC
HALIFAX ABOUT HALIFAX
SUR HALIFAX
The Halifax Regional Municipality (HRM) has a variety of communities in which CAF members and their families can reside, from large cities including Halifax and Dartmouth, to medium and smaller sized communities like Sackville, Eastern Passage, Lake Echo and Waverley.
La municipalité régionale de Halifax (MRH) comporte diverses collectivités où les membres des Forces armées canadiennes et leur famille peuvent vivre, allant de grandes villes comme Halifax et Dartmouth à des collectivités moyennes ou petites comme Sackville, Eastern Passage, Lake Echo et Waverley.
HRM covers an area of 5,577 square kilometres and offers over 400 kilometres of coastline. More than one-third of Nova Scotia’s population lives in HRM, which offers a wide variety of services for residents, including English and French schools, world-class universities, several excellent hospitals, and numerous shopping centres and unique stores. Halifax was founded in 1749 as the British Garrison and has had a strong military presence for more than 250 years, with Citadel Hill National Historic Site, to York Redoubt, Point Pleasant Park and the Naval Museum of Halifax, located in CFB Halifax. Today, HRM is home to Canada’s East Coast Fleet. Canadian Forces Base Halifax and the surrounding area comprise Air Force, Navy and Army contingents, Reservists and the civilians who make up the entire Defence Team, but most significantly, the Navy’s Atlantic fleet known as Maritime Forces Atlantic. 5th Canadian Division is also situated in Halifax as is the Air Component Coordination Element (Atlantic). The Department of National Defence and the Canadian Armed Forces significantly contribute to Nova Scotia’s revenue, inserting approximately $1.8 billion into the Atlantic Provinces each year. Canadian Forces Base Halifax also assists with numerous annual community activities such as the Royal Nova Scotia International Tattoo, benefit concerts for or vet veterans and the Government of Canada Workplace Charitable e Campaign. Cam Halifax is the home port for HMCS Sackville, Canada’s ho da’s N Naval Memorial.
Nova Scotia
La municipalité régionale s’étend sur une superficie de 5 577 kilomètres carrés et compte un littoral d’environ 400 kilomètres. Plus du tiers de la population de la Nouvelle-Écosse vit dans la municipalité régionale de Halifax. La MRH offre à ses résidents un large éventail de services, dont des écoles de langues française et anglaise, des universités de calibre mondial, plusieurs excellents hôpitaux et de nombreux centres commerciaux et magasins uniques en leur genre. Garnison britannique fondée en 1749, Halifax a connu une présence militaire forte pendant plus de 250 ans comme en témoignent le lieu historique national de la Citadelle-d’Halifax, la redoute York, le parc Point Pleasant et le Musée naval d’Halifax, qui se trouve à la BFC Halifax. Aujourd’hui, la MRH est le port d’attache de la flotte canadienne de la côte Est. La Base des forces canadiennes Halifax et les secteurs avoisinants abritent des contingents de la Force aérienne, de la Marine et de l’Armée, de même que des réservistes et des civils qui forment l’Équipe de la Défense. Toutefois, le gros des forces est représenté par la flotte de l’Atlantique de la Marine, baptisée Forces maritimes de l’Atlantique. La 5e Division du Canada est aussi basée à Halifax, comme l’est l’Élément de coordination de la composante aérienne (Atlantique). Le ministère de la Défense nationale et les Forces armées canadiennes contribuent de façon importante aux revenus de la Nouvelle-Écosse : ils injectent environ 1,8 milliard de dollars par an dans les provinces de l’Atlantique. De plus, la Base des forces canadiennes Halifax organise chaque année de nombreuses activités locales telles que le Tattoo royal international de la Nouvelle-Écosse, q qu de d es concerts co co de bienfaisance au bénéfice des anciens comb comb co m at a tants ants et la Campagne de charité en milieu de trrav tr av a va aiil d du u gouverne vernement du Canada. Le NCSM Sackville, mé m ém mo ori rial rial a nav a al canad dien, est basé à Halifax.
On The Move: A Guide to Relocating
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for fire safety
Scott McGillivray Courtesy: News Canada
When it comes to building or renovating, in addition to greater efficiency and performance, there’s an important opportunity to make our homes safer places to live. Although billions are spent on renovations in Canada each year, few realize that what’s in their home––or maybe what’s not in it––can increase their risk in a residential fire event. Many newer materials and home contents burn more quickly than in decades past, actually decreasing the time to escape a fire. That’s why fire safety should be a top consideration in your design and construction plans. It’s time that we make a commitment to thinking beyond the basics of fire and smoke detectors and recognize that there are real, significant advantages to building passive fire protection into the structure of a home. Passive fire safety installations do not alert you to, or react to, the presence of fire in your home. This type of fire protection is part of the core of the building and will help to control fire by limiting its spread. One very effective form of passive fire protection is the installation of insulation. When adding or upgrading insulation, look for products made from naturally non-combustible, inorganic materials. A favourite among builders, contractors, and homeowners is a stone wool insulation called Roxul. It comes in the form of batts or rigid board products under the names Safe ‘n’ Sound, Comfortbatt
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and Comfortboard. Each provides a significant advantage when it comes to fire safety, resisting fire to 1,177˚C––higher than the temperature of a typical house fire. That means it can stay in place longer to provide critical protection. Effective compartmentalization through the use of non-combustible materials can help avoid the spread of fire to other areas of the home and, more importantly, protect vital escape routes. When possible, always opt for materials with a noncombustible, inorganic composition, especially insulation. During a fire event, they won’t contribute to toxic gas or smoke, which is the leading cause of fire fatalities. Non-combustible insulation should be considered in walls, between floors, and as continuous exterior insulation to maximize fire protection and escape time. After all, protection is better if it’s built in. Scott McGillivray is the host of the hit HGTV series Income Property and Moving the McGillivrays, a full-time real estate investor, contractor, author, and educator.
Donna Michaud 780-812-1688
Tammy Read 780-573-6862
Tracy Doonanco 780-812-9550
Sherry Levesque 780-815-0440
Joanne Roch 780-573-9398
Megan Juszczyk 780-545-5454
Louise Johnson 780-812-0979
Joanne Halldorson 780-573-0208
Colleen Norman 780-812-0372
Call us because
Bonnie Hankey 780-812-4587
Helping you is what we do! Nous offrons un service bilingue Approved suppliers for Relocation providers Cori Ferguson 780-813-7443
Shannon Reid 780-812-7979
Ask for your favourite REALTOR®
www.northernlightsrealestate.com 5118 50 Avenue Cold Lake, AB T9M 1P2
780-594-4414 WĂƫ KƵĞůůĞƩĞ 780-812-6655
Northern Lights Realty Ltd. /E W E Ed>z KtE E KW Z d
Bart Neville Broker of Record 613-639-8989 Gloria Neville Broker 613-732-6132
Mike Neville Broker 613-401-8080
Brokerage
NEVILLE REALTY LTD.
Independently Owned & Operated
www.TheNevilleTeam.com
• 3 Full Time Realtors working for you • Over 65 years combined Real Estate experience 0LOLWDU\ 7UDQVIHU VW 7LPH +RPH %X\HU 5HSUHVHQWDWLRQ %URRNÀHOG 5HORFDWLRQ 6XSSOLHUV • Lifelong Petawawa residents
1064 Pembroke St W, Pembroke Fax: 613-735-8474 www.jones-law.ca
613-735-8226 From Agreement to Closing... BLAIR JONES - LAW OFFICE
Providing legal representation in Real Estate transactions including Residential and Commercial Purchases, Sales and Mortgages >L HYL L_WLYPLUJLK PU [OL )YVVRÄLSK 9LSVJH[PVU WYVJLZZ HUK OVUV\Y [OL 4PSP[HY` YH[LZ
...Helping You Into Your New Home