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Purchasing a New Home
Posted on Mon, 22 Feb 2016, 09:15:00 AM  in Home buying tips,  Marketing strategies,  My services
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If you are interested in purchasing a new home, it is always strongly recommended for you to plan ahead and shop according to your needs. Not all properties are meant for all shoppers, but with the right approach, it can be easy for anybody to make the most of their future purchase. If you are new to the home-purchasing process, keep some of the following tips in mind to make your next purchase even more advantageous. Though it may seem as though there is a lot to learn, the fact of the matter is that it can be easy to walk away with an excellent home at the right price simply by practicing your saving and searching skills.

If you need to speak with mortgage companies to get a loan for a new home, it is strongly recommended for you to keep your money even for the next three to six months prior to shopping around for the home. You want lenders to see that you have your finances in order, and one of the best ways to achieve this by simply showing them that you are a reliable investment. Keep your paper trail clean and avoid making any other major purchases until after the approval.newhome

Do not jump the gun until you know that you are good for your loan. Anybody can be pre-qualified for a loan, and if you receive your pre-qualification news, do not act until you get further clarification. What you are looking for is a pre-approval, which implies that the lender has already looked at all of your information, and they are interested in working with you. Plan ahead for additional fees and avoid getting caught unaware.

Read the fine print to your property rights carefully to learn about your property's exact parameters. This is essential when it comes to assessing your individual rights as a homeowner. Learn about where your property lines are to avoid disagreements with your neighbors, and plan ahead for the total area owned so that you know how to prepare for the tax season. A little bit of care goes a long way when you know your rights.

Many buyers are obsessed with trying to time their market investments. Though this is a good way to purchase a property at a lucrative price, the fact of the matter is that the market is often too volatile for an exactly planned purchase. The best time to purchase a new home is when you can afford to buy it and make all of the necessary payments.

Try not to get too hung up on the size and appearance of the home. Any standard property that does not show any signs of obvious damage can be ideal for your needs, and you do not need to shop for the biggest and most attractive house on the block. Larger homes only appear to a small and specific audience, and you do not want to limit your options when it comes to purchasing a home for the first time.

Always take a look at the neighborhood before you finalize any of your purchases. This is one of the best ways for you to plan ahead and make the most of your opportunities because you will know what to expect after the move. Think about your regular needs as a resident and make sure that the neighborhood can match them. Do you need to attend a local school? Are there plenty of public transportation sections around the area? What about shopping? Groceries? Avoid investing until you are absolutely certain that all of your needs are going to be met around the property.

 


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How to Prepare Your New Home Before Moving In
Posted on Sat, 30 Jan 2016, 01:10:00 PM  in Home buying tips
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When you finally purchase your brand-new home, you're eager to move in as soon as possible. However, this empty property is a perfect opportunity for you to clean and update the space. There are no furniture obstacles that must be moved or daily routines to interrupt. Before you move in, take a few days or weeks to thoroughly clean out your new property. It'll feel like home the moment you finally move all of your personal items inside.

Clean and Paint the Walls

Prepare Your New Home Before Moving InMost sellers pull their artwork from the wall and leave the space untouched. You'll notice grease and dust sticking to the walls and unsightly nail holes. Purchase some mineral spirits and carefully wipe down the walls from the ceiling to the floor. These chemicals will draw all of the dirt and fatty residues off of the painted surface. Fill in the nail holes with putty and smooth them out. Your walls can be quickly painted at this point so that the entire room has a fresh beginning for your family.

Rent a Carpet Shampooer

Carpets will always have some wear to them as you move in after another family. Unless you're replacing the carpet entirely, it's time to rent a shampoo machine. Run this shampooer across your carpet at least two times. The carpet is clean when the wastewater appears clear to the eye. Alternatively, you can hire a professional carpet-cleaning company. You'll pay extra money for the expert labor, but they usually have industrial tools and chemicals that can draw tough stains out of the carpet.

Replace the Door Locks

The property's previous owners will usually have their old keys with them when they move out. As a precaution, change the locks on the doors around the home. Although it's rare that the previous owners might try their keys on your doors, you want to be as safe as possible. In fact, you can upgrade the standard locks to electronic types if you desire. Unlocking your front door with your smartphone is becoming a widespread technology across the real estate industry.

Measure and Install Window Accents

Blinds, curtains and other dressings will often be customized to your home's window sizes. Instead of living in the home with bare windows, measure and purchase your dressings before you officially move in. You'll have time to pick out a style and installation day that works for your schedule. Installers will also have an easier time accessing the windows without any cabinets or other furniture standing in the way. If there's a sizing issue, you have plenty of time for a redesign before moving in.

Scrub the Bathrooms

The bathrooms are often dirty when you first move in. Concentrate on one bathroom at a time, and scrub it clean. Begin at the ceiling level, and wipe down shower walls and fixtures. Complete the cleaning process at the toilet's base. If you notice any stains along the floor, you have a chance to pull out the flooring and inspect the subfloor. In most cases, your bathroom will only need a basic cleaning so that you can decorate it afterward with personal items.

If you're tempted to test all of the major systems within the home before moving in, it's a smart idea to do so. The home inspection that was performed before your offer was finalized should have covered every part of the HVAC, plumbing and electrical systems. As a precautionary measure, test these systems again by turning them on for a full cycle. In the end, you'll have no surprises on your real move-in day when every item is thoroughly tested, cleaned and adjusted.


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Home Inspections and the Homebuyer's Role
Posted on Wed, 20 Jan 2016, 09:35:00 AM  in Home buying tips,  Marketing strategies,  My services
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When you're close to purchasing a home, an inspection is part of the transaction process. This inspection is performed by a certified professional who can pinpoint any major or minor issues plaguing a property. As the homebuyer, you're not a spectator during this procedure. In fact, you should be an active part in almost every aspect of the inspection. Consider some of the important reasons why you need to be involved with each inspection process.


Hire the Inspector Yourself
Ideally, you want to pick out the inspector for your potential property. If the seller hires the professional, there might be a biased look at the structure. Hire an inspection professional who has no ties to you, the seller or the agents. You want a fair evaluation of the property so that you can make an educated decision on a bid. Read online reviews about potential inspectors and verify their credentials with authorities. Inspectors go through vigorous training to precisely perform their jobs.

Be Present at the Inspection
Buying a home is a busy time in your life. It's easy to hire an inspector and allow them to access the property. However, you should be at the inspection. Meet inspectthe inspector and talk to them about any of your concerns. The inspector can make sure that your concerns are a top priority as he or she runs through the evaluation checklist. You can also follow along on as the inspector moves through the home. Give the professional some space, however, so that every checklist area is thoroughly evaluated.

Reserve Your Questions
Inspector professionals appreciate buyers who are concerned about their potential purchase, but refrain from interrupting the evaluation. By interrupting the professional during the evaluation, he or she might overlook an area. Inspectors are human beings, and they can be distracted by constant questions. When questions do arise in your mind, write them down for later. When the evaluation ends, you can ask the professional about every question you wrote down. In fact, write the professional's answers down for reference later on. You can discuss the evaluation with loved ones when you return home.

Discuss Concerns with Seller
Inspectors might have a long list of issues with the property, especially if it's a larger and older structure compared to others in the neighborhood. Some issues may not be too serious, such as carpeting pulling up at a room's edges. However, a leaking water heater or other major appliance malfunction is a good reason to stop and pause the home sale. You must discuss your options with the seller. In most cases, the buyer asks the seller to fix the issue before the home can be sold. The seller can accept or decline this request. It's possible for negotiations to take a long time if major repairs are involved.

Schedule a Final Inspection
If the seller agrees to fix a household item, he or she should be given enough time to complete this request. After they confirm the repair, homebuyers should request another home inspection. This evaluation will cover the entire property again, but with a special focus on the repaired areas. If the inspector agrees that the repairs are completed as necessary, homebuyers can proceed with the real-estate transaction. No sale has to occur if the appliance is still faulty. Homebuyers can always pull out of a home sale before the final documents are signed.

If you're a first-time homebuyer, the inspection is a brand-new experience. Speak to your real estate agent about preferred professionals in your area. The agent should have a good idea about who is perfect for your home inspection. In the end, you should have an inspection and property outlook that you can depend on during the bidding process.

 


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Check Out Your Home Before Buying
Posted on Fri, 01 Jan 2016, 01:35:00 PM  in Home buying tips
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What to Look For in a New Home

Buying a new home in Canada can be a tricky process. One minute you think you are looking at the perfect home for you and your family, and the next minute you’re discovering that the home will need more in repairs than it is actually worth. Below is a small list of things to consider when you are purchasing your new home. Keeping these things in mind could save you thousands of dollars!

Check the Roof

You need to know what type of material the roof on your new home will be made out of. Roofs may be made out of wood, asphalt, tar and gravel, or steel. Each of these materials lasts a different amount of time and will cost a different amount to replace. Wooden roofs are most likely to be replaced upon buying the home unless the roof has been redone recently. The good news is that this material is relatively affordable to replace. Steel roofs on the other hand may never need to be replaced unless you notice a significant defect in what has already been laid down. If you find yourself having to replace a steel roof, you may want to sit down and breathe before you look at the bill! The point here is simply that you have to know what material you are dealing with, what condition the roof is in, and how much it will cost to replace. 

check out your home before buyingCheck the Foundation and Exterior

If the home you are looking into has a cracked foundation, consider looking elsewhere. Foundations with problems are sure to cause you and your family a considerable amount of anxiety. These sorts of fixes are extremely costly if they are even able to be fixed. You cannot forgo looking at the foundation before buying a home.

The condition of the exterior of the home is also incredibly important. Many homes may need a new layer of paint or a simple scrubbing and will look brand new. These fixes may cost you a few hundred dollars at first, but you are sure to be happy with the outcome. If you look closely and the home’s exterior is made up of rotting wood, cracked siding, or crumbling concrete, you may want to consider a new home. These fixes, while doable, are usually pretty costly as well. You want to move into a home that doesn’t need to be completely redone to be safe to live in. These exterior fixes could potentially delay the move-in process. Be aware of any faults you see on the outside of your home!

Check Out the Interior

There are many things to look for inside of the home. Are appliances included? Do those need to be replaced? Is there water damage or mold anywhere in the home? Are you willing or able to clean that up? Has the home recently been inspected for such things as electrical wiring issues? 

Make sure that when you move into a home with your family, you are moving into a safe home. Do not settle for water damage and mold in the bathroom if you don’t have to. Have you seen an inspection report for electrical wiring? Make sure that these reports as well as any other inspection reports are readily available for your viewing. It will cost much more to have the house inspected once you are an owner than it will to have the previous owner pay to have the house inspected. You don’t want to be surprised by all of the tiny faults that may pop up if the home has not been recently inspected.


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Home Buying Process
Posted on Thu, 24 Dec 2015, 12:25:00 PM  in Home buying tips,  Marketing strategies,  My services
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Buying a home is the single most important financial decision you will make in your life. For this reason, you should not do it in a hurry. Instead, if possible, start the process several months before you will actually be buying the home.


Are You Ready?
Although there are many good reasons for owning your own home, including the ability to create a living environment that you love and the advantages of building equity as you pay a mortgage, committing yourself to mortgage payments is a big step. Before you make this commitment ask yourself:

  • Will you be able to stay in the home for at least three to five years?
  • Do you have a 20 percent down payment?
  • Do you have a reserve fund of at least $10,000 to $20,000 for repairs and maintenance?
  • Are you free of credit card debt?
  • Do you have a stable job and at least six months of expenses in savings in case you lose your job?


If your answers to these questions are mainly positive, you are ready to buy a home, but if they are mainly negative, you might be better off renting until you byingimprove your financial situation.

Get Pre Approved
Your first step in the actual home-buying process is getting pre approved for a mortgage. Your most convenient mortgage source is often your current bank, as you already have a strong relationship with them, but you should also shop around in case other companies offer better mortgage rates. Preapproval has two main benefits. First, it gives you a good sense of the size of mortgage for which you qualify, so that you can limit your house search to homes you can afford. Second, it allows you to move quickly to obtain a mortgage and close on homes, something especially important in fast-moving markets such as Calgary, Toronto, or Vancouver. 

Find an Agent
Since agent commissions are paid by the seller, there is no downside to working with an agent and many positives. Search for an agent who specializes in the neighborhood in which you intend to buy. Interview a few agents until you find one who understands your needs, is responsive to your inquiries, and is certified as a REALTOR by the Canadian Real Estate Association. 

Research Homes
Your first step in researching homes is searching the web. Narrow down your choice of locations to ones that are convenient to work and schools, have homes within your price range, and have the sort of character you prefer. If your heart is set on being close to downtown nightlife and shopping, you won't be happy with suburban bedroom communities, but if you want a big backyard for a growing family, a small urban condo won't fit your lifestyle. Once you have narrowed down your search via the web, visit homes until you find one you like and can afford.

Make an Offer
When you find the right home, you and your agent will prepare an offer. The offer is usually contingent on your finding financing and having a home inspector check over the house for defects. The seller will usually counteroffer and your agent handle the negotiation process until you and the seller reach an agreement.

Buy the House
Once you and the seller have agreed on the price of the house, you close on the house at a meeting, where you and the seller complete the necessary paperwork to pay for the house and transfer ownership.

 

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Check out local schools in the area if you have children prior to purchasing
Posted on Mon, 14 Dec 2015, 12:20:00 PM  in Home buying tips,  Marketing strategies
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Buyers should examine schools before buying particularly if they have school-age children. Schools are an important part of their communities, and if one rates them as good to excellent, then the buyers can save. They can keep the money that might have gone to enroll children in private schools. Locations that enjoy proximity to high-quality educational districts may cost more than those in more average school districts. There is a likelihood of recovering that premium between saving on private schools and the price of resale.

Costs of Private School
The trade-off for buying in areas with below average or unknown school quality may be a pricey school bill. Buyers with young children may have to consider private school. The costs of private school could easily exceed the price difference based on location. At an average of C$10,800 per year, the difference in costs of home and a school would support a much larger mortgage loan. Adding nearly a thousand dollars(C$900) to the monthly household bills would equate to a much higher purchase price and mortgage.

Schools Add Value
High-quality Local schools make the purchase of a nearby home more valuable. Many parents have to place their children in schools located far from home. appleThese arrangements may get the right educational facility but the hours spent commuting to and from school can take a toll on time, patience, and the daily allotment of personal hours. One will invest the time that one needs for the child's best interest, but a high-quality local school would be far more convenient and schedule-friendly.

Homes Near Schools Well for More
The data suggests that having a school of any quality nearby affects resale value. Rental prices also are higher in areas near schools. This higher price near good schools ratio holds for every type of real estate except condominiums. Based on real estate prices in the GTO, the data demonstrates the value of buying near quality schools in Canada.

Without Kids, a Good School Still Matters
Buyers that don't have young children should still make the effort to buy in an area with good schools. The value of the home is also a product of the quality of the neighbourhood. The neighbourhood resources add value to the property. Local school facilities that have good reputations and active community involvement make every home more valuable because the neighbourhood has added value. Location in real estate includes the convenient resources in the immediate area. When buying a home, it is true that one in effect buys the whole neighbourhood.

Assessing Buyer Priorities
A location with high-quality local schools will likely sell for more than a similar home in a lower quality educational district. The resale will appeal to a broader group of potential buyers. It will not only appeal to buyers with children, but also to buyers who understand the value of good local schools. The impact is greater on buyers with young children and those planning to have children. Research shows that buyers in these classes place a high priority on locations near high-quality schools.

 

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Factors to Consider Before Venturing in Real Estate Investment
Posted on Thu, 03 Dec 2015, 09:50:00 AM  in Home buying tips,  Marketing strategies,  My services
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One great advantage of real estate is that even in economic crises, it usually does better than stocks. After all, the land is a finite resource. People are in need of a place to live, play, shop, and work. Thus, real estate is simply a matter of demand and supply.


Remember, real estate will continue to appreciate in spite of the occasional economic slow-downs. Real estate has proven to be the best wealth creation tool, and you don’t need to be a millionaire or a genius to succeed. Here are tips for entrepreneurs to get started and achieve success in real estate investing.

1. Plan your financial goals

Before you do your first analysis or buy your first property, determine your expectations from your investments. Ask yourself what your financial goals are. There is something known as the “Time Vs Money” concept. It says, to achieve your financial goals, the more you have one of these, the less you need the other one. Thus, don’t be afraid to take the time to understand your goals and ensure that every investment is a step towards achieving them.

2. Don’t spend a fortune on books, seminars, and tapes

You absolutely need to learn the basics of real estate investing. Thus, do some studying. However, don’t let collecting and buying information be your endgame. Also, keeping your goals in mind will help make the process more straightforward.

3. Look at plenty of propertiesdeals

Don’t just purchase the first property you come across. A lot of investors buy properties because the properties look “attractive,” and many don’t want to put in the effort to look at what is out there. You won’t be living there, so, don’t make the decision based on your personal preferences. Ensure you do a thorough job of looking at the properties. Give yourself a lot of options, and then narrow them down depending on your criteria.

4. Don’t postpone investing while waiting for the perfect deal

Moist investors suffer from indecisiveness, thinking that a better deal is around the corner. This can backfire, and you may let a great deal to slip out of your fingers. Yes, you may experience difficulty if this is your first property. However, you must remember that perfect deals rarely exist.

5. Be thorough in your financial analysis

Embrace a realistic mind; consider different alternatives and determine the ones that make the greatest financial sense. Never buy a property on less attractive terms or at a higher price than your analysis considers sensible. Avoid dealing with sellers that overestimate the values of properties through proforma data. As much as you can use a proforma to start a conversation, ensure that you know the real numbers before closing. There are several vital figures you should be familiar with. They include:

• Net income 
• Cash flow
• Return on investment (ROI)
• Cap rate
• Cash-on-cash return
• Total ROI

Once you know these figures, you can determine if a property suits your financial goals.

6. Avoid buying a property that the seller has no motivation to sell

If the seller is motivated, he or she is more likely to give you a price range that will most certainly suit your financial goals. You may wonder how to know if a seller is motivated. First, consider the asking price. Take this example, example, if the property has been on the market for eight months, for, say 250,000, with little or no price reduction, most probably the seller is not motivated to sell. But if it has been in the market for this duration and the price has moved significantly, most probably the seller wants to get the property off his hands.

Venturing into the real estate investment can be tricky, especially if you don’t put certain factors into consideration. So, plan your financial goals, do a thorough financial analysis, be proactive in searching for properties, and don’t wait for the “right” time.

 

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Renting Versus Buying a Home
Posted on Thu, 12 Nov 2015, 02:35:00 PM  in Home buying tips,  Marketing strategies
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One of the most common dilemmas in adulthood is whether to rent or buy a home. You may have lived with your parents or friends for several years, but it's time to have your own place. Whether you're single or starting a family, there are several factors to weigh when you decide between rental properties and investing in a home. Each person has their own unique situation that must be evaluated, so that an educated decision can be made.


Brand New to the Area?

If you've just moved to an area, the best housing choice at this point is a rental. You probably don't have any information about which neighbourhoods you prefer or dislike, for example. Find a rental with a short-term lease, so that you have a chance to learn more about the city. You might have a brand new job in the area so start looking for rentals and possible homes around that region. If you purchase a home in a relatively unknown area, you might be disappointed and without any means to change your predicament.

Securing an Investmentrent

When you've lived in an area for a few years, you know where you want to be for comfort and close proximity to work. Ideally, you don't want to rent a home for an extended time period. You aren't making an investment for yourself. In fact, you're paying off your landlord's investment. Purchasing a home means you're investing in an asset that normally has a strong return. In most cases, you'll have ample equity when you hold onto a property for several years. 

Monthly Payment Considerations

Renting a property makes you vulnerable to monthly payment increases. In fact, you could have a different rent amount every year with no change to the property itself. Purchasing a home allows you to take control of your monthly payments. You agree to a certain mortgage payment, and that amount continues for several decades until it's paid off. It's even possible to refinance that mortgage to an even lower monthly payment. You're still investing in your future as each payment pays down the principal.

Renovation Flexibility

When you rent a home, you cannot alter the property in any way. Changing the paint color or flooring type must be the decision of the owner exclusively. Investing in your own property allows you to renovate it with any style you prefer. Remove walls, add new carpeting or even create another floor to the structure. Your imagination and budget are the only limiting factors. Be aware, however, that a regional homeowner's association might limit exterior renovations. Research an area thoroughly before investing in any property.

When You Move Frequently

Some employers require their workers to travel around very often. It's possible for an employee to travel all week and only arrive at home for the weekend. If this is your situation, a rental property is probably the best choice for you. There's limited maintenance necessary on the home because the landlord cares for the exterior elements and basic structure. If you need to suddenly move because of work responsibilities, you can easily transfer to another city. Selling a home, in contrast, would be too difficult on short notice.

When you rent a home or apartment, you'll still need a substantial deposit ready for the property administrators. Ideally, put aside a certain percentage of your paycheck every month before renting or buying a home. Avoid using credit cards excessively too. Your financial situation should be as stable as possible to secure any housing. In the end, you'll have a beautiful home that fits your needs and budget.

 

 

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2016 Real Estate Trends
Posted on Tue, 13 Oct 2015, 10:10:00 AM  in Home buying tips
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PricewaterhouseCoopers in conjunction with the Urban Land Institute recently released their report on 2016 trends in real estate. This report uses surveys and interviews to predict trends in the real estate market of the United States for the upcoming year. Investors, brokers, real estate agents, consultants, developers, property companies, and many others in the industry should take note of these trends, as several interesting trends are predicted in 2016. Here are a few of them to note, in no particular order. 


Suburbia is not dead
Most real estate professionals do not believe that suburban living is a thing of the past. It has been long feared that millennials would leave behind suburban areas for trendier areas. However, it is predicted that people in this generation will begin to marry and build families, pumping fresh air back into many suburban areas across the nation. In fact, in 40 of the country’s top metropolitan cities, more than 80 percent of jobs are not within the city-center core. This gives more optimism to realtors work in suburban areas.

Rethinking housing options
Both baby boomers and millennials have shown increased interest in homes that are smaller and more affordable. However, the generations in between have driven real estate professionals and builders to relying on the large profits within the luxury home market. This means that there is at least a partially untapped affordable housing spectrum. The real estate market may see new creative trends in giving baby boomers more of what they want in a dwelling, such as microhousing and cohousing. 

Office evolution
Just as the home real estate market is changing, so is office and business real estate. Companies are expecting continued growth and increased employment realestatenumbers over the next couple of years. Companies are now charged with redesigning their traditional office spaces to attract and keep talent within their own pool. They also need to adapt to changes within the workplace, such as coworking spaces. Many employers are also considering how they want employees to interact with each other, such as mingling more, and designing their spaces around those goals.

Backyard eats
Many cities residents are finding that their budgets and desires for fresh food are clashing. This has caused a rise in the use of urban lands for producing food. In fact, the report mentions an operation in New York City that produces over 300 tons of vegetables in three different hydroponic operations. 
As suburbs may be re-invented in the next decade, creative uses for inner city land may also be. Professionals in the real estate industry should be prepared for the use of city space for fresh food production. 

Bringing back the humans
It is also expected that the next several years will see the return of human thinking as opposed to technological advances within real estate offices. While big data and the application of technology has brought a lot into the real estate sector, nothing takes the place of a human who can extract data, analyze it, and make good decisions with it. The trouble started when people lacked the wise judgement to see the coming consequences and the will power to work for something more than short term profits. 

Paying attention to trends in real estate helps those in the profession to take previous information and combine it with new information in order to make good decisions individually, and as a whole. To be successful in this industry, one must be open to change and be willing to meet the needs of the customer and of the real estate industry itself. It is only those real estate agents that are able to be successful in this ever-changing business. 

 

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