Packing healthy lunches, eating proper dinners and ensuring that everyone is well rested creates a happy, healthy family. Getting the homework assignments completed in a timely and amicable manner is another story but I digress. You see, I have 2 daughters as well. So enjoy the last week of summer and the final days of the PNE. The next break is Christmas, just a few months away!
August 29, 2012
School is Back . . . Soon!
Just imagine that school re-opens for most students next week. I heard many parents have been waiting for this time to return to a routine, while some kids have been eager to see their classmates, and others anxious because they are starting a new school.
This also means that the days will be getting darker sooner and we must be more careful driving to and from work. We should be slowing down and not driving faster while we chauffer our children to their many activities.
August 21, 2012
To Buy or Not to Buy (i.e. rent)?
That is the question (to take this out of context from Shakespeare’s “Hamlet”). The question is: what is the right choice for you? It all depends on your situation and the time frame.
Those that have seen property appreciation over the years are glad they got into the market, while those that held off the purchase to wait for the market to crash have missed more than one cycle.
If I’m raising a family, I’d like some stability and a place to call home. I would be close to schools, shopping, transit, and not having to worry about the landlord moving in or selling the property. This is for the long term.
If I like carefree living where moving is not an issue, enjoy travelling extensively and not want all my equity tied to real estate, and no plans for a family, I probably would be renting.
There are several web sites that offer a “rent or buy” calculator where the costs of home ownership are compared with rent payments over time to see which is more beneficial. I would argue that if given a choice in Greater Vancouver, most would choose to buy simply because of the property appreciation over time.
August 1, 2012
When to Buy and Sell Real Estate.
Stockbrokers tell consumers to “buy low, sell high”. Can this be applied to Real Estate? While a great concept, it really doesn’t work for most homeowners and end users. I would argue that many people buy and sell real estate not because of the market but rather because of their personal or family circumstance. The individual who has been relocated sells and moves while the new immigrant needs a place to call home, whether they buy or rent. A couple, either expecting their second child will be looking for a larger place to live or downsizing because the children have all moved out. A family with a daughter starting university may move into town from Maple Ridge because of the commute. A family looking for a specific neighbourhood to raise their children does not wait for the market to act; rather they buy when the home becomes available. An investor generally buys when the return is sound and makes financial sense regardless of an up or down market. Everyone would love to buy real estate at the bottom of the market and to sell at the top; unfortunately this is not realistic for most homeowners. I believe, first and foremost, that a home is a safe place to raise the family, that meets your needs, and to be enjoyed over time. The market should not dictate when you buy or sell; it’s when the time is right for you.
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