Welcome to our Iceland Challenge for Shelter fundraising page! Did you know: Half of all women in Canada over the age of 16 have experienced at least one incident of sexual or physical violence. Each year in Canada, an estimated 362,000 children witness or experience family violence. On average, every six days in Canada a woman is murdered by her intimate partner. These are shocking statistics. We're going to do something to help. In July 2017, we will be trekking nearly 100 km across some of Iceland's most actively volcanic areas in support of the Royal LePage Shelter Foundation and raising funds to help women and children in Canada escape abuse and rebuild lives that are loving, safe and free from violence. For 8 days, our friends and colleagues from Royal LePage offices across Canada will be crossing difficult terrain in unpredictable weather, sleeping in tents with only 2-3 hours of darkness each night, and going without electricity and cell service.
Our Jill has decided to embark on her 2nd Challenge for Shelter Trek this coming July, 2017, and this time her daughter Robyn is going to be joining her! They will be hiking and camping for 6 days and nights on the Lamdmammalaugaar route, through 4 seasons and one of the country’s most active volcanic areas. They will be trekking up and down lava fields, through snow and freezing cold rivers and camping with only 2-3 hours of darkness! Can you imagine! Jill (a real estate agent) and Robyn (a 19 year old) for 6 days without phones?! As a team, the two need to raise a minimum of $10,000 for the Shelter Foundation to participate in this trip for a significant and powerful cause. Jill has been volunteering in our local shelter giving instruction in meditation to their clients and these women are so very grateful for what we do for them! It is quite a gift to be able to give them a chance to catch their breath and think about what they want for themselves. Jill and Robyn have until late May to raise the minimum $10,000 to participate in this extremely worthy cause.
This journey will not be easy. We will be preparing physically and mentally for months and will be covering our own travel costs. Each dollar we raise and every step we take will make it easier for women and children to walk safely away from violence. Please click the PICTURE BANNER AT THE TOP of this page to help us reach our fundraising goal. Thank you for your support. Please note: The Royal LePage Shelter Foundation issues tax receipts in February for all donations of $20 or more made in the previous calendar year.
If you are buying a home, then, before you decide on whether this home is your dream home, the following checklist will help you look at prospective homes with a critical eye. We suggest printing this page and putting it on a clipboard. When you find a home that really interests you, mark the features you see and note their general condition on this list.
Home value sometimes referred to as "Value in Use", is best described as the probable price at which a home trades in a free, competitive, and open market and is synonymous with the market value.
When should I sell my home? Your answer to this question might be right now! If you have taken a job in another city or made an offer on a new home, or had an addition to your family, selling your home fast might be the most important goal you have. Most people, however, have some flexibility when they sell their home. Let us take a closer look at the most important factors that can go into this decision.
A hot market is a "sellerís market". During a sellerís market, properties can sell within a few days of being listed and there are often multiple offers. Sometimes homes even sell above the asking price. Though most buyers want to get a "deal" on a home, reducing your offer by even a few thousand dollars could mean that someone else will get the home you desire.
There are many television shows today that focus on home staging. If you have not watched any, do yourself a favor and tune in. They all say the same thing: do not even consider putting your house on the market until you have taken a close look at its condition. Experienced sales people know that you only have one shot at impressing potential buyers, so take some time to prepare your home for showings. You will be rewarded with a faster sale and a higher offer.
Make a double mortgage payment whenever you can. Doing this once a year can shave over 4 years off the mortgage! Sometimes you can skip a payment later on too?if you really, really need to. Try not to. If your payment is $2,000 a month, four years of no payments is $96,000!!
Increase frequency of payment. For Example going from monthly to bi-weekly accelerated can shave over three years off your mortgage! $2,000, three years of no payments is $72,000!!
Increase your payment. For example a one-time 10% increase can shave 4 years off the mortgage. That’s $96,000! Imagine if you bumped the payment 10% every year from the get go!!! You would be mortgage free in 13 years! Start to finish! Can’t do it? How about 5% every year...you would be mortgage free in 18 years! How about increasing the payment by the amount of your annual raise?
Lump sum payments...same idea...mortgage is gone way faster! Even just one payment a year equivalent to 1 monthly payment will give you similar results as #2 above! How about using your annual work bonus?
Renegotiate whenever rates drop to save interest and pay mortgage faster! Generally a good idea however *Caution* get independent professional advice (a cost benefit analysis) to make sure it makes sense for you at that time. I can help. A 1% reduction on a $300,000 mortgage will save $250 a month...times 5 years...that’s $15,000!!