TALL Real Estate Blog – November, 2021

Can you believe we’re only 53 days away from Christmas?

When we reach the beginning of November, we realize how close we’re getting to the Christmas and the end of the year. But, we put a hold on beginning our Christmas decorating until after Remembrance Day. We are intentional about this. There is one day that is set aside each year for us to give proper attention to, remember and appreciate the many men and women that have fought for our freedom, and sacrificed so much to protect what is good, right and true.

This year, give thanks for for the sacrifices made by so many, some visible and others less visible. Remember and support those who are currently struggling with PTSD and other mental illnesses as a direct result of the work they do. Appreciate our first responders. Remember the many lives lost in the conflict in Afghanistan, the Middle East and Korean War. Give thanks for the young people who so willingly jumped into battle in World War II. Remember the great loss that we suffered on the way to hard fought victories, and hard fought losses in the Great War, World War I. When we remember them, when we count the loss, remember our heroes’ families as well.

Our job is to help our clients buy and sell real estate property. This month, we recognize that we have the ability to own real property because of the hard fought victories for Canadian freedoms. So, we will remember, lest we forget.

Buying a Home Out-of-Town

Have you ever considered selling your home and moving out-of-town? One concern that might be holding you back is the uncertainty involved in finding a home in an unfamiliar place. What are the best neighbourhoods? What are homes selling for in that area? What is it like to live there?
There are many ways to find out.

  • If possible, spend a day in the area. Walk some of the neighbourhoods. Visit schools and parks. Check out the local shopping and other amenities.
  • Talk to someone who lives there. This will give you firsthand insights into the area. You can facilitate this through a Facebook post where you ask to chat with a local resident.
  • View current listings in the area online. Most listings include helpful data on safety, demographics and other information.
  • Get a handle on home prices by finding out what a home like yours is currently selling for in that area. That will give you a baseline to determine what you can expect to pay.


In this fast paced market, you may not be able to leave work and check out the home. We will do that for you. We’ll book a showing and either video conference call and take you through the home virtually, or we’ll take videos of our walk-through and then send them to you.

From there, you can decide if you’d like to take the time to drive a distance to see the home in person.

Managing Home Insurance

Home insurance seems to be getting costlier every year, with basic premiums continuing to rise as more homes are exposed to added risks attributed to extreme weather events, accidents, vandalism, and outright theft.
This leaves homeowners in a difficult situation, but there are things that can be done to help ease rising costs. First, examine your current policy and talk to your agent/broker about your coverage and premiums. You might, for example, agree to increase your deductible to decrease premiums. Meanwhile, you may also be eligible for discounts, based on client profiles such as bundled policies (e.g., auto & home), claims history, and payment punctuality.Other discounts may be available based on steps taken to protect your home from potential damage, such as installing a backflow valve or sump pump. Or, you may qualify for lower insurance rates if you have recently improved your home’s structural integrity, such as its foundation or roof. Your policy premiums might also benefit from other investments in your home’s infrastructure, like upgrading your heating, wiring or plumbing, or installing a centralized fire and security system. You’ll need to determine whether the cost of these improvements will be offset by lower insurance premiums over a reasonable period of time.

Getting Family Members on the Same Page

Remember the last time you had a family discussion about what to have for dinner? Chances are, there were some disagreements! In fact, it might have been agonizing trying to get everyone to settle on the same dish. Now imagine getting everyone to agree on what type of home to buy!
Obviously, you want family members to be in harmony when looking for a new home. The more everyone is on the same page, the smoother the process will be.Here are some tips worth trying:

  • Make a list. Have everyone list the top three features they want in a new home. You might find that family members are closer to agreement than you thought. Also, family members will likely not be disappointed if they get two out of the three features they want.
  • Have a family meeting. Set a goal to have a clear profile of the kind of home you want by the end of the meeting. Be prepared for some lively discussion, but also be firm that a decision needs to be made.
  • Be understanding. If a family member insists on a particular feature, ask why. It might be trivial, such as having a shopping mall within walking distance when driving or taking transit is relatively easy. On the other hand, the desired feature might be something truly important and worth considering.
  • Manage expectations. Explain that not everyone will get what they want and that you (or you and your significant other) will do your best to accommodate everyone’s wishes.

There’s no perfect solution. Depending on your family, it might be difficult to make sure everyone is happy with the home you end up buying. However, by using these tips you can ensure that everyone will at least feel they’ve been heard. Then, once you start building memories in your new place, everyone will start to feel like it’s home!

Notable, Quotable, Quotes!

“The people who are crazy enough to think they can change the world, are the ones who do.”
Steve Jobs

“It’s not the load that breaks you down, it’s the way you carry it.”
Lou Holtz

“Go confidently in the direction of your dreams! Live the life you’ve imagined.”
Henry David Thoreau