Real Estate West Kelowna Realtor

Stunning Victoria B & B with lakeviews in Peachland, BC

2012-02-18T16:27:00.001-08:00

Character beyond in this circa 1904 Victorian 2400 sq.ft. heritage home located in Peachland. Once operated as a successful B&B has sweeping lakeviews & is a pleasure to show! Hardwood flooring through most of the home. Spacious in its layout & design. Many features include separate living room & parlour with gorgeous wooden pillar archways separating these two spaces. Bay windows, butler’s pantry, coved ceilings, updated kitchen with Heartland stove, wrap around verandas all situated on a picture postcard .43 acre setting. Beautifully landscaped with water features, gazebo & fruit trees. Updated wiring & mechanical, full basement with outside entrance, separate detached garage with workshop area above and plenty of parking make this a terrific choice for you! For more details & photo's & virtual tour go to www.connectwithkaren.com & then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. $699,000.00 MLS®10041828.

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Coldwell Banker Horizon Realty ~ Starring yours truly and a few other great REALTORS from my office

2012-02-16T15:25:00.000-08:00

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Toughest to track: How to measure social media success

2012-02-16T11:34:00.000-08:00

You’re on Facebook. You’re on Google Plus. You’re on Twitter. You even figured out what Quora is.

You know how many followers you have on all of these channels.

So what?

Right now, “the million-dollar question is, how do you figure out return on investment of social media?” says Frank Falcone, co-founder and executive program director of the Centre for CRM Excellence at the Rotman School of Management at the University of Toronto.

In this Web Strategy series, we've looked at audience measurement on the Web. Now we turn to the hardest area for analytics to track: social media.

Starting from the beginning

Traditionally, businesses use return on investment as part of their planning process. It’s a calculation to see if an idea is worth doing by measuring the cost of the investment against the expected success.

But somehow, when it comes to social media, businesses have gotten ROI all wrong, says Scot Wheeler, Chicago-based senior director of marketing science at digital marketing agency Critical Mass.

He says too many businesses have approached social ROI backwards. Instead of doing the calculations before taking action, many businesses spend time or money to get Facebook or Twitter presence and then look at metrics after the fact.

Instead, metrics should be used from the beginning, along with a greater understanding of what a business can actually get out of the social Web.

Social media shouldn’t be a goal in and of itself – it’s a tactic a business can use to reach an objective, such as selling more widgets or improving customer service. It’s the difference between: “We need a Facebook page” and “We need to learn more about our customers through our Facebook page.”

Small businesses can be especially prone to jumping too quickly on social media trends without enough consideration, Mr. Wheeler says.

“People feel they have to get into it or they’ll be left behind … but then they may overcompensate by putting in too big an investment,” he says.

Businesses small and large have been prone to get overly excited by social media because they see it as a free television channel to reach consumers.

But with every individual and corporation rushing in, social media has gotten crowded. “It’s the opposite of TV; you don’t demand anyone’s attention,” Mr. Wheeler says. “The world doesn’t need another Facebook page or Twitter account.”

What to look for

At its heart, the best thing about social media is the conversation. It’s a chance to interact and get to know your customers.

It also gives patrons a chance to talk about your business with their social circles – which can be both good and bad. It’s good if they recommend your restaurant’s new tuna salad, but bad if it gave them food poisoning.

How do you measure that? The idea of controlling the public conversation has often been the domain of public relations agencies, but that’s ill-suited to the number-based Web world.

“It’s a whole new set of metrics,” Mr. Falcone says.

“Some of it you can’t even put numbers around. It’s a combination of quantitative and qualitative data points.”

There are five key criteria for gauging a business’s social media reach, according to Mr. Falcone:

1. Volume. How much people are talking about your product, service or topic.

2. Tone. Whether people are talking about you in a positive, negative or neutral way.

3. Coverage. How many sources are generating the conversation.

4. Influence level of source. The authority of the people talking about you can raise the quality of your reach.

5. Share of conversation. Within your topic or industry, how much of the conversation is about you.

Putting a number to sentiment is the hard part

Sites like Klout measure general popularity, but don’t give much detail and can easily be gamed to produce higher scores. Radian6, one of the biggest social media trackers, has a full suite of social analytics that are expensive and aimed at enterprises. Hootsuite, a tool for managing multiple social media accounts, has some sentiment analysis options from developer Lymbix.

There are ways to calculate the monetary value of your fans. You can figure out how much more an engaged fan is worth to you – such as whether he or she is more likely to spend twice as much as a casual fan – and compare that to your social-media costs to see whether it was worth recruiting them. But putting a value on your engaged fan in the first place can require surveys or other investments.

What a small business can do

Before a small business gets worried about diving too deep into these unknown waters, there are some simple steps that can help. (It’s worth noting that most social-media experts admit that social analytics are still in their infancy.)

People use platforms in different ways. Twitter users tend to be more engaged than Facebook users, for example, which can be attributed to the ease of replying to someone with a tweet or Twitter’s fast-paced nature. So while you may have fewer followers are Twitter, they’re likely to be worth more to you.

Mr. Wheeler recommends location-based social channels, like Foursquare, as excellent opportunities for small businesses with a physical location.

A coffee-shop owner, for instance, could transition his or her loyalty program from a card that’s stamped 10 times to a location-based social media service for customers who check in at the coffee shop 10 times.

That simple step serves the same loyalty purpose, while also advertising the shop to all of that customer’s friends. It’s free, and creates a new advertising channel by taking advantage of customers who are already coming in.

Some tech watchers say 2011 was the year of social media, and 2012 will be the year of social metrics. If so, the year is just beginning.

Other stories can be found on the Web Strategy section of the Report on Small Business website.

Join The Globe’s Small Business LinkedIn group to network with other entrepreneurs and to discuss topical issues.

Our free weekly small-business newsletter is now available. Every Friday a team of editors selects the top picks from our blog posts, features, multimedia and columnists, and delivers them to your inbox. If you have registered for The Globe's website, you can sign up here. Click on the Small Business Briefing checkbox and hit 'save changes.' If you need to register for the site, click here.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

#65 - 3381 Village Green Way ~ IMMACUATE

2012-01-21T20:14:00.001-08:00

Immaculate and lovingly cared for single wide (with addition) 3 bedroom + den, 2 bathroom mobile. You will be hard pressed to find another like this one and at $115,000 this is a great buy!. Move in ready! Upgraded 3E argon windows throughout, master has cheater ensuite and flooring throughout is only 3 years old. Just a nice warm and welcoming feeling upon entering this home. You must come and see for yourself. If this is in your price range, don’t wait because this won’t be around long. For more details and photo's and virtual tour go to www.connectwithkaren.com and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10035954.

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Fabulous Shannon Lake 2 Bedroom + Den Condo

2012-01-18T20:34:00.001-08:00

Spacious and well designed 1102 square 2 bedroom + den / 2 bathroom condo at Sundance Ridge. A delight to view, and a must see!. Features include granite counters, stainless steel appliances, plenty of closets and storage, fireplace in living room and tasteful earth tone décor. Second bedroom features cheater ensuite – perfect for when guests come to stay. Large deck with gas hook-up overlooks the pool. 2 parking spaces and storage locker included. Great pool and hot tub area perfect for those hot summers in the Okanagan! For more details and photo's and virtual tour go to www.connectwithkaren.com and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10038528.

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Fabulous Shannon Lake 2 Bedroom + Den Condo

2012-01-18T20:21:00.001-08:00

Exquisite Rancher Walk-out at "The Pointe" in West Kelowna

2012-01-13T17:52:00.001-08:00

Beautifully designed rancher walk-out located in the prestigious area of Gellatly Bay in the gated community at “The Pointe”. This 2 bedroom + den (extended floor plan) home built in 1998 boasts a sprawling 1850 sq.ft. on the main floor. Large master bedroom with luxurious ensuite, jetted soaker tub (extensive use of Italian tile) and large walk-in closet. Open concept kitchen and main living area are a joy to be in as there is an abundance of light streaming in through the many windows! Granite serving counter in the kitchen, gas range, and newer appliances make this a focal point and a chef’s delight. Lounge in the summer months on the oversized patio while you enjoy listening to your own waterfall, this is truly a private oasis in your back garden. Lots of storage in the laundry room and a great little office/project area. Downstairs family room features a floor to ceiling river rock fireplace, a large bedroom for your guests, a full bath and 700 sq.ft. of extra storage room. Never feel boxed in again. Organize yourself to your hearts content! Triple car garage and RV parking, + no thru street complete this package. Well-appointed Clubhouse features salt water pool and hot tub, gym, library and much more. For more details and photo's and virtual tour go to www.connectwithkaren.com and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10039494.

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West Kelowna Realtor ~ Karen Guy: 4 Showings in 2 days ~ Think this one is gonna be gone!

2011-12-02T11:26:00.000-08:00

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Police search for DAVE COUSINS - West Kelowna News - Castanet.net

2011-11-30T16:16:00.000-08:00

Police search for missing man - West Kelowna News - Castanet.net

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605O 250.768.8001

http://www.connectwithkaren.com/

West Kelowna Realtor ~ Karen Guy: Keeping the heat on in vacant properties

2011-11-14T12:50:00.000-08:00

Recently I was out with clients viewing properties. One of the last properties we viewed was a vacant listing without the heat on! Wow, was it cold in there - so cold that we had to put our shoes back on because the ceramic tile on our toes was absolutely freezing. We stayed for as long as we could because my clients really liked the property. It took us a long time to warm up afterwards. :-)

The following week we went back for a second showing and the heat was on. I knew that leaving the heat on in vacant properties makes a difference for showings, but to experience that first hand was an eye opener as to how much more warm, and welcoming the property felt to us. We stayed longer, a lot longer! and I don't know how many times we commented to each other about how much more of a "home" the house felt.

The kitchen seemed more inviting, and feeling the warmth and looking at the beautiful rock work on the fireplace seemed to so much more like home. In the end they did decide it was to be their future home and we are working on our deal right now.

For all you sellers out there with vacant properties make sure to keep your heat on just a little. You may think that it is a waste of hydro and your money, but take my advice, you can't afford NOT TO.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605
O 250.768.8001

http://www.connectwithkaren.com/

SHANNON LAKE GEM ~ Now $339,000!!

2011-10-25T13:05:00.000-07:00

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

SUN VILLAGE REDUCED BY $20,000! ~ NOW $349,000

2011-10-25T12:59:00.000-07:00

2011-09-20T09:08:00.000-07:00

Coldwell Banker Presents: New Portal for First Time Home Buyers!

I am the GUY that will make a difference! I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ 3209 - 1990 Upper Sundance Drive ~ PRICED TO SELL

2011-09-17T09:27:00.000-07:00

NEWLY PRICED TO SELL @ $304,900

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ 2955 Sandstone Crescent ~ OPEN HOUSE TODAY

2011-09-17T09:09:00.000-07:00

Open House today from 1:00 pm to 3:00 pm ~ look forward to seeing you!

AFFORDABLE & meticulously maintained one owner 2 bedroom / 2 bathroom 1759 sqf.t. home in sought after Shannon Lake. Steps to Shannon Lake Elementary, this bi-level is THE perfect starter home. Many updates include newer hot water tank, high efficiency furnace and roof, also brand new washing machine. Freshly painted outside as well. Kitchen upgrades include counter tops, backsplash and ceramic tile, to name a few. Basement is easily transformed into two more bedrooms, and a family room. Private back yard with two large decks (550+ sq.ft.) Glass sliding doors out to deck from the master bedroom. Master complete with cheater ensuite (recently outfitted by Bathfitter) & lots of closets! Extra long single car garage perfect for parking & a bit of workshop space. For more details and photo's & virtual tour go to www.connectwithkaren.com & then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10033801.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Sun Village ~ Rancher with full basement

2011-08-28T19:44:00.000-07:00

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ 2955 Sandstone Crescent ~ Calling First Time Home Buyers!

2011-08-28T19:40:00.000-07:00

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ 2256 Shannon Hills Place ~ Must See!

2011-08-28T19:32:00.000-07:00

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Kelowna ~ Thoughts from the BC Chamber of Commerce

2011-08-26T13:47:00.000-07:00

Aug 26, 2011 FOR IMMEDIATE RELEASE Vancouver (August 24, 2011) - The BC Chamber of Commerce today expressed disappointment over the loss of the HST referendum, noting that business confidence and certainty will be shaken, but is looking ahead to support a new & improved PST that could include some of the efficiencies and competitiveness of the HST model. "It's a disappointing decision that will have a profound impact on the economy, on business, on workers and on unions," said John Winter, President and CEO of the BC Chamber of Commerce. "While we respect the outcome of the referendum and the need to restore a PST/GST system our members have been clear, we need a dialogue on what that looks like and how we can create a tax system that protects BC jobs." "Given the fact that the vote was close and this vote signifies the beginning of a negotiation process with the federal government we do not need to make any hasty decisions," continues Winter. "Now is not the time for decisions, now is the time for reflection and a pause before we determine the best type of tax." The Chamber also expressed concern about the implications this decision will have on the provinces fiscal situation knowing that $1.6 billion will have to be returned to Ottawa as a consequence of rescinding the federal agreement. "Returning BC to a sound fiscal footing and balanced budgets is critical to our long term prosperity," said Winter. "With a $1.6 billion bill to pay, BC will be forced to extend the province's deficit-reduction schedule or incur new tax hikes and/or spending cuts. Business confidence, certainty and jobs are at risk." The BC business community will come forward to government with options on how to transition to the PST/GST as well as explore opportunities for a new consumption tax model.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ BC Home Buyers are Moving Up Sooner Than Expected

2011-08-23T07:31:00.001-07:00

B.C. home buyers are moving up sooner than expected

- 2011 TD Canada Trust Repeat Home Buyers Report finds three-quarters of repeat home buyers move earlier than they originally intended -

VANCOUVER, Aug. 23, 2011 /CNW/ - Nearly six-in-ten B.C. repeat buyers are moving on to larger or more luxurious homes - and they're moving sooner than expected. In fact, the TD Canada Trust Repeat Home Buyers Report, which surveyed Canadians who recently bought or intend to buy a home that is not their first, found that three-in-four British Columbians are moving earlier than planned. More than half (51%) had no intention of moving but now find themselves on the house-hunt again and 22% thought they would move again but not this soon. Not ones to settle, B.C. residents are experienced movers; they are the most likely in the country to have owned more than four homes in their lifetime (39% versus 29% nationally).

"Our research indicates that British Columbians aren't staying in one home too long," says Barry Rathburn, Manager, Residential Mortgages, TD Canada Trust. "There are costs associated with a move, so I'd recommend that people explore all of their options before making the decision to change homes. It might be more affordable to renovate and make your current home work for you."

The top features British Columbians felt they compromised on when they purchased their previous home that they are not willing to budge on this time is the number of bedrooms (34%). Other compromises that they won't make again include price (30%), features of the home (30%), layout of the home (28%) and number of bathrooms (26%).

"If you are dissatisfied with something like the layout or features of your home, a renovation can be a convenient option to save the hassle and expense of moving. A Home Equity Line of Credit will allow you to use the equity you've built in your home to finance the renovation. Further, if you do ultimately decide to sell, the renovation could increase your resale value," says Rathburn.

British Columbians are among the least likely to have considered a Home Equity Line of Credit (HELOC) (37% versus 50% nationally). Of those who would consider this financing option, nearly half (47%) say they would use it for the purposes of a renovation, but nearly as many (44%) would like to have it simply as a cushion. Thirty-nine percent would use the line of credit to invest.

Timing is everything: Canadians think it's a good time to buy - and to sell

B.C. buyers are the most likely in the country to say investment opportunities (26% versus 21% nationally) and market conditions (28% versus 21% nationally) played a factor in their decision to buy another home. This is a significant increase over 2010 when 21% said investment opportunities affected their decision to buy and 15% said market conditions. The large majority (81%) plan to sell their current home and four-in-five expect to sell at or above asking price (70% versus 62% in 2010).

Among those who have purchased a second home and do not plan to sell their previous home, more B.C. buyers this year said they will keep the first home as a rental property (54% versus 48% in 2010). They are also more likely this year to say the new home they're buying will be a vacation home (15% versus 10%) or that that a family member will be moving into their previous home (15% versus 3%). Three in ten buyers say they will stay in their current home and the new home they buy will be a rental property.

"Buyers should keep in mind that if they are expecting to sell above asking price, it's likely they will need to also buy at above asking price," says Rathburn. "A home is, obviously, a very big purchase - especially if you will not be selling your previous home to put towards the cost. A mortgage expert at your bank can walk you through your financing options and show you strategies and products that may save you money and provide flexibility over the course of your mortgage."

Decisions, decisions! B.C. sellers know they have options but they haven't thought about them

The TD Canada Trust Repeat Home Buyers Report showed that 61% of B.C.'s repeat buyers have a mortgage on the home they are moving from and 60% will take out a mortgage on their new home.

In 2010, nearly one-in-five (18%) British Columbians who planned to sell their home didn't know they had options when it came to their mortgage. This year, that number decreased to 14%. Still, although they are aware of their options, nearly half (46%) haven't considered what they will do with their mortgage. Thirty-eight percent of sellers say they will bring their mortgage with them. Only 2% say they will use it as a selling feature.

"It's just as important to consider your mortgage options as a seller as when you are buying. You may be overlooking your mortgage as an important selling feature of your home or you may be able to save money by keeping your low rate and bringing your mortgage terms with you. Talk to an expert to find out what option might work for you," says Rathburn.

About the 2011 TD Canada Trust Repeat Home Buyers Report

Results for this study were collected through a custom online survey conducted by Environics Research Group. A total of 1,025 completed surveys, including 131 in B.C., were collected between June 16-28, 2011 of people who have either purchased a home that was not their first home within the past 24 months, or intend to purchase a home that is not their first home within the next 24 months.

About TD Canada Trust

TD Canada Trust offers personal and business banking to more than 11.5 million customers. We provide a wide range of products and services from chequing and savings accounts, to credit cards, mortgages and business banking, to credit protection and travel medical insurance, as well as advice on managing everyday finances. TD Canada Trust makes banking comfortable with award-winning service and convenience through 24/7 mobile, internet, telephone and ATM banking, as well as in over 1,100 branches - most open 8 'til late and many now open Sunday. For more information, please visit: www.tdcanadatrust.com. TD Canada Trust is the Canadian retail bank of TD Bank Group, the sixth largest bank in North America.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ My mother was right!

2011-07-23T13:09:00.000-07:00

and yours was too! ~ did your mother ever tell you to never leave the house without your "face" on, and clean underwear?? LOL. Well, today as my son woke me up to drive him to work at 6.30 am I might add (yuck) I literally got out of bed and grabbed the car keys and left the house. Not even a quick check in the mirror!

Little did we expect to come across two motorcyclists at the bottom of Westside road, obviously one of them had taken a good bail. He had slipped on some gravel and laid the bike down. It must have just happened. We drove by slowly and asked if they needed help but they said they were ok.

On my way back down the hill from taking Dylan to his ride for work, I stopped and asked if I could do anything at all (I had a first aid kit in my car) and if the one guy wanted to sit down. So, here's me still in my PJ's - no make-up, no hair done... trying to figure out how to help these guys.

I didn't even have a bottle of water to offer him (yea I know what your thinking....I ALWAYS have water) I felt so bad. The guy was hurt, but nothing life threatening and the fire truck was just coming as I pulled away.

I sure you are ok buddy!

That's my excitement for a Saturday. I won't be leaving the house again with my PJ's on that's for sure.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR® Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ TD Special Report: Moderation In Store For The Canadian Housing Market

2011-07-19T11:02:00.000-07:00

Highlights from the report!

•    Relative to where they sat in 2011 Q1, national resale activity and average prices are projected to decline by 15.2% and 10.2% respectively over the next two years.

•    Restrained economic growth, higher interest rates, new mortgage borrowing rules and eroding home affordability help support our call for more moderate housing activity.

•    Fewer new home buyers and reduced investor appetite should also simmer new and resale condo activity.

•    In addition to our national perspective, we provide an in-depth overview of twelve major markets within this paper.

•    Over 2011-13, Calgary, Edmonton and Regina housing markets are set to lead the way. Still, the term “leader” is relative as no market is slated to experience a boom over our forecast. We simply have these regions doing better than the rest.

•    Given their recent run-up in activity, new condo supply and only subdued economic growth forecast, Toronto and Vancouver are expected to see a larger-than-average correction in both sales and prices relative to other regions.

For the full report, please visit the following:

www.td.com/economics

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Buying a Home with no property disclosure statement filled out

2011-06-29T07:53:00.000-07:00

I recently worked with a client to make a purchase on a home that had no Property Disclosure Statement (PDS) filled out. The "owner" of the property was the Executor for the Estate. In this case when a client has not lived in a home and therefore cannot speak to any of the questions posed on the PDS - the property disclosure statement becomes mute. Lines are drawn through all the questions and it is noted on the last page of the PDS that "due to the client not living in the property they cannot legally to answer any of the questions". Then, the client signs the PDS attesting to this.

This can be common in a lot of cases where the house was bought strictly for rental purposes and the owner has not lived there, or in the case of a death and where an executor or executrix has been appointed.

As we were getting down to the final days where we were to remove the financing subject on the property the insurer for the mortgage ordered an appraisal on the property. In this case, as my mortage specialist pointed out, the appraisal was ordered strictly due to the fact that the PDS could not be relied upon to answer any of the basic questions about the property. High ratio mortgages do not usually require an appraisal.

So, just a tip that when working on an offer for a property where no disclosure statement is signed, leave yourself enough time with your subject to financing dates to allow an appraiser (should one be ordered).

Yesterday we were a bit anxious waiting for the appraisal report to hit the system as our subjects were due off yesterday. So, at 5:00 at long last we finally got the word that all was good! Failing that, it ws going to be a drive out to Penticton (that's where my client lives) to get signatures on an amendment and a new subject removal.

For more information about this, or any other questions you have about real estate, please call me! or send me an email.

I'm off to another education course today, have a good one!

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Thinking of Buying in Kelowna | Are You Sitting on the Fence?

2011-06-28T13:24:00.000-07:00

If you've been considering buying a house but you're still unsure, consider some of the personal and economic conditions that favor home purchases. If you find that a number of these signs ring true for you, it might be time to contact a real estate agent and start shopping.

1. You're Ready to Commit

First and foremost, if you're not ready to commit to owning a home, you should not buy a house. Home ownership comes with a plethora of responsibilities, including home maintenance, property taxes and the process of selling the property when it comes time to move.

Legal fees, moving expenses, and all of the incidental costs associated with buying a home can really add up. To make the most of these costs, it's best to plan on living in your new home for a stretch of time. Consider whether you have a stable job that will provide a solid income for a mortgage, and if there's any chance you'll have to relocate in the near future. If you feel you can commit to sticking with a home for at least five years, then it might be just the right time for you to buy. If you're typically a hardened commitment-phobe, remember that you can sell or rent your property if your situation changes dramatically. (For related reading, see Simple Ways To Invest In Real Estate.)

2. Owning Costs Less than Renting

If you've examined your budget and realized that your monthly payments associated with buying a home are less than you're currently paying in rent, it's time to consider a home purchase. Talk to your bank and look at what your mortgage payments would be for a variety of different properties and gauge what you can afford. Factor in any additional costs you may have to pay, such as condominium fees or extra utility bills, and compare your total costs to what you're paying in rent. If it's roughly the same or less, you could be saving money by purchasing a home - plus there's the added benefit that you'll be putting your monthly home expenditures toward your own home equity! (For related reading, see When Owning Your Home Doesn't Pay.)

3. Buyer's Market

When demand for housing is low and there's a wealth of properties on the market that aren't moving too fast, that's known as a buyer's market. You'll have a lot more bargaining power under these conditions than if you're buying in a seller's market, which is when demand for homes is high, resulting in few properties on the market that are selling fast. In a buyer's market, chances are you'll be able to negotiate a seller's list price down - sometimes quite substantially - and save yourself a lot of money in the process. (For more, see Rent To Own: Own To Rent.)

4. Low Interest Rates

When interest rates are low, it's a great time to look at buying a home. You will be able to get a reasonable interest rate on your mortgage loan, which can save you a lot of money in the long run. A home is generally the single largest purchase anyone makes, and the amount of interest tacked onto a mortgage really adds up over the years that you're repaying the loan. Even a difference of a fraction of a percentage point can make a pretty big difference over the long term. Consider a mortgage of $220,000. The difference between a rate of 4.2 per cent and 4.5 per cent results in an extra $13,993 paid toward interest over the course of a 30-year mortgage. That's a lot more than just pocket change.

5. Adequate Funds for A Down Payment

Having a hefty down payment helps in the same way as finding a low interest rate. Ultimately, the less you owe, the less you'll have to repay and the less you'll have to tack on for interest. If you find yourself with a nice lump of cash, putting it toward a home purchase is definitely a solid financial investment. Just think, you'll be building equity in your home which you'll see again when you sell, and you'll have somewhere to live in the meantime. Though it may be tempting to put the money toward a trip, a new car or a luxury shopping spree, the return on investment on these sorts of purchases - at least in the strict financial sense - can be rather disappointing. (For more, see 6 Ways To Come Up With A Down Payment On A Home.)

6. Seasonal

During the springtime, more house listings tend to come on the market. With the poor winter weather over and the kids nearly done school for another year, this seems to be the time when most people are willing to take on a move. Having more homes on the market means a wider selection - and a greater ability to negotiate price. However, this is also the time of year when more buyers are in the market. Circumstances will depend on your particular market conditions, but the arrival of spring typically revives the real estate market after quieter winters. Alternatively, if you're willing to move during the winter months, sometimes owners of homes that have been sitting on the market for a long time are more willing to negotiate. (For related reading, see Are You Ready To Buy A House?)

The Bottom Line

Occasionally, timing the buying or selling of your home may not be within your control, however, if you do have the opportunity to choose when you enter the market, doing it at the right time can save you a lot of money. Always remember that buying a home is a big commitment, so at the very minimum, you should never purchase a home without being completely sure that you're ready to take on the responsibility. If you're ready to commit and you find yourself with a number of other favorable factors like a low interest rate and a good sum of money you can put toward a down payment, then it's probably a great time to take the plunge! (For related reading, see Top 10 Features Of A Profitable Rental Property.)

© 2011 The Globe and Mail Inc. All Rights Reserved.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Your Friday Morning Giggle

2011-06-24T08:01:00.000-07:00

After a busy busy week (the Kelowna Real Estate market is picking up!!) this video brought me much needed laughter.

Thanks to Susan and Rudy for this! Have a great weekend everyone..

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®

Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, West Kelowna REALTOR® ~ Is your website mobile friendly?

2011-06-22T08:36:00.000-07:00

Here is a way to check http://validator.w3.org/mobile/
I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

West Kelowna REALTOR® Karen Guy ~ QR Codes ~ Great Video Clip

2011-06-22T08:29:00.000-07:00

Here is a great blog I was directed to recently.... http://realestatemarketingmedia.blogspot.com/p/qr-codes.html

If you would like to know more about QR Codes and how they help us help you market your property in Kelowna give me a call.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.800

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ West Kelowna ~ This is why Real Estate is Rewarding to me

2011-05-25T07:37:00.000-07:00

I received this email from my client a few days ago. We had an offer on their property but could not come together with terms acceptable to both parties and my clients decided that in their best interest, they should be staying where they are. But, as a REALTOR® when a home doesn't sell, does that mean that we didn't do our job? Not at all, we work very hard in the hopes that our efforts and marketing attempts bring buyer's and seller's together but sometimes, for one reason or another, it just doesn't happen.

Receiving this letter makes these scenarios worth all the while. Please read what she says.

Dearest Karen, I hope this finds you and finds you well.

I just wanted to touch base with you and thank you for such a superb job with all your efforts on selling our house in such a crazy time for the market.

Your undying attempts and enthusiasm have been second to none. You were so on the ball with call backs, appointments, and following up with us that we were never left with guessing.

If our circumstances hadn't changed and we had to take our house off the market, I know that YOU would have sold our house. We have bought and sold many houses in the past and you are by far the most incredible realtor we have signed with. Thank you Karen for all your hard work, generosity and enthusiasm, you certainly made it easy and a pleasure to deal with.

When we do put the house back on the market, you can be assured that we will be using you again. I can't think of anyone else that we would rather use.

Thanks again Karen for being so amazing,

With much appreciation,

Greg and Bonne Dickie

Thank you Greg and Bonne for taking the time to express how you felt about the Customer Service you received! Best wishes to you both.

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Lakeview Townhome - Peachland, BC NOW $358,888!

2011-05-21T11:46:00.000-07:00

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

I am the GUY that will make a difference!

http://www.connectwithkaren.com/

Karen Guy, West Kelowna REALTOR® ~ First Time Home Buyer's Program

2011-05-13T11:23:00.000-07:00

So your buyer says they qualify for the first time home buyer's program? Be sure to ask questions and determine that they must meet BE all of the following:

a Canadian Citizen or a permanent resident as determined by Immigration Canada,
a person who has resided in BC for 12 consecutive months immediately prior to the date of registration of the transfer, or who has filed two income tax returns as a BC resident within the last six years,
a person who has never, at any time, held a registered interest in a princial residence anywhere in the world (a principal residence is defined as the usual place where an individual resides), and
a person who has not previously received an FTHB (first time home buyer) exemption refund.

To download a brochure on the program, click here: http://www.sbr.gov.bc.ca/documents_library/brochures/firsttimehomebuyer.pdf

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR® Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy ~ West Kelowna REALTOR® ~ 2672 Shannon Lake Road now $638,500!

2011-05-03T10:56:00.000-07:00

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Know the Market Before you Buy in Kelowna

2011-05-01T13:15:00.000-07:00

Know the Market before You Buy

The asking prices of most homes on the market indicate the current state of the market, and usually mirror the prices for which other similar homes in the area have recently sold. In deciding upon a selling price, a home-seller must establish a balance between the desire to draw the highest offer and finding a price that will be reasonable enough to attract an appropriate pool of prospects, and competitive offers. While most selling REALTORS® counsel their clients to consider this equation when pricing their home, keep in mind that some homes are not properly priced.

It’s important to educate yourself about the current market before approaching the purchase of a home. The market will always influence a property’s value, regardless of the state of a home, or its desirability. Here are the types of market conditions and how they may affect you:

1. Seller’s Market:

A seller’s market is considered a “hot” market. This type of market is created when demand is greater than supply that is, when the number of buyers exceeds the number of homes on the market. As a result, these homes usually sell very quickly, and there are often multiple offers. As a buyer, you need to consider that many homes will sell above the asking price; in other words, you may have less room to negotiate, and may encounter competing offers. Though most buyers want to get a home for the lowest price possible, reducing your offer could mean opening the door for another buyer instead.

2. Buyer’s Market:

A buyer’s market is a slower market. This type of market occurs when supply is greater than demand, the number of homes exceeding the number of buyers. Properties are more likely to stay on the market for a longer period of time. Fewer offers will come in, and with less frequency. Prices may even decline during this period. As a buyer, you will have more selection and flexibility in terms of negotiating toward a lower price. Even if your initial offered price is too low, the seller will be more likely to come back with a counter-offer, so you can begin the process of negotiation.

3. Balanced Market:

In a balanced market, supply equals demand, the number of homes on the market roughly equal to the number of buyers. When a market is balanced there aren’t any concrete rules guiding whether you should make an offer at the higher end of your range, or the lower end. Prices will be stable, and homes will sell within a reasonable period of time. You will have a decent number of homes to choose from, and may encounter some competition for offers on the home of your choice, or none at all.

Before you make an offer to purchase a home, establish whether the current market is a Buyer’s, Seller’s, or Balanced market. Also, evaluate the price similar properties have sold for in the area, and the length of time these properties spent on the market. Determine how the home you’re considering compares to these other sales. Is this one over-priced, under-priced, or a fair price? By establishing this information prior to making an offer, you will be in a position to negotiate the best price for the home and be prepared for any additional opportunities that may come your way.

Keep in mind, a realtor is trained to provide clients with this information about the market, helping you make the most informed decision possible. The right realtor will guide you through the ups and downs of the market and keep you up-to-date with the types of changes you might expect. These realtor resources and connections will prove to be invaluable as you navigate the real estate market.

The other main factors that affect market value are:

1. Location:

The proximity of the home to amenities, such as schools, parks, public transportation, and stores will affect its status on the market. Also, the quality of neighbourhood planning, and future plans for development and zoning will influence a home’s current market value, as well as the ways in which it might change.

2. Property:

The age, size, layout, style, and quality of construction of the building will all affect a property’s market value, as well as the size, shape, seclusion and landscaping of the yard.

3. Condition of the Home:

This includes the general condition of the home’s main systems, such as the furnace, central air, electrical system, etc., as well as the appearance and condition of the fixtures, the floor plan of the house, and its first appearances.

4. Comparable Properties:

Examine the selling and asking prices of similar homes in the neighbourhood. Ask your Realtor to prepare you a general market analysis of the neighbourhood you’re interested in, so you can determine a range of value for a particular property. A market analysis will provide you with a market overview and give you a glimpse at what other similar properties have been selling for in that area.

5. Market Conditions/ Economy:

The market value of a home is additionally affected by the number of homes currently on the market, the number of people looking to buy property, current mortgage rates, and the condition of the national and local economy.

I am the GUY that will make a difference!

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Buying a Home - What Expenses to Expect

2011-04-17T13:33:00.000-07:00

Buying a Home: What Expenses to Expect

Budgeting for a new home can be tricky. Not only are there mortgage installments and the down payment to consider, there are a host of other sometimes unexpected expenses to add to the equation. The last thing you want is to be caught financially unprepared, blindsided by taxes and other hidden costs on closing day.

These expenses vary: some of them are one-time costs, while others will take the form of monthly or yearly installments. Some may not even apply to your particular case. But it’s best to educate yourself about all the possibilities, so you will be prepared for any situation, armed with the knowledge to budget accordingly for your move. Use the following list to determine which costs will apply to your situation prior to structuring your budget:

1. Purchase offer + deposit (deposit forms part of the purchase price).

2. Inspection by certified building inspector.

3. Appraisal fee:

Your lending institution may request an appraisal of the property. The cost of this appraisal is your responsibility.

4. Survey fee:

If the home you’re purchasing is a resale (as opposed to a newly built home), your lending institution may request an updated property survey. The cost for this survey will be your responsibility and will range from $700 to $1000.

5. Mortgage application at your lending institution.

6. 12% HST:

This fee applies to newly built homes only.

7. Legal fees:

A lawyer should be involved in every real estate transaction to review all paperwork. Experience and rates offered by lawyers range quite a bit, so shop around before you hire.

8. Homeowner’s insurance:

Your home will serve as security against your loan for your financial institution. You will be required to buy insurance in an amount equal to or greater than the mortgage loan.

9. Land transfer (purchase) tax, or Property Purchase TAX (PPT):

This tax applies in any situation in which a property changes owners and can vary greatly. 1% on the first $200,000 and 2% on the balance (approx.).

10. Moving expenses.

11. Service charges:

Any utilities you arrange for at your new home, such as cable or telephone, may come with an installation fee.

12. Interest adjustments.

13. Renovation of new home:

In order to “make it their own,” many new homeowners like to paint or invest in other renovations prior to or upon moving in to their new home. If this is your plan, budget accordingly.

14. Maintenance fees:

If you are moving to a new condominium, you will likely be charged a monthly condo fee which covers the costs of common area maintenance.

For helpful tips, please contact me.

I am the GUY that will make a difference!

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ $314,888 ~ This is NOT a Typo!

2011-04-04T17:33:00.000-07:00

Alternate Condo Living?? Don’t miss your opportunity to own this up-to-date well cared for immaculate home. Freshly painted, warm and pleasing colors, new flooring in the kitchen and crown moulding throughout. 4 bedrooms + 2 baths and lakeviews from both the kitchen and the living room. You will be hard pressed to find a nicer home at this price! Call me today, you will be glad you did. The market is heating up. At this price, this is truly one of the great buys out there and won’t last long. Close to shopping, bus route and downtown Westbank. You can truly have it all. Strata fees are $110.00 / pre-paid lease until 2089. Radiant barrier installed in the attic – VERY EFFICIENT on heating and cooling costs. For more details and photo’s go to http://www.connectwithkaren.com/, and then call Karen Guy – Coldwell Banker Horizon Realty at 250.878.3605 or 250.768.8001. MLS® 10022910.

View on YouTube

I am the GUY that will make a difference!

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Latest E-Connection Newsletter

2011-03-29T16:33:00.000-07:00

Hi Everyone,

As the biggest financial transaction that most of us ever make, buying or selling real estate has more complexities than most people expect. Understanding thinking ahead for needed Community resources, legal aspects of the transaction and effective negotiating skills are just a few of the things that I can help with.

The SOLD signs are popping up ~ the only time the bottom of the market is realized is when it’s too late, and it’s already on the upswing.

It takes time, experience and market knowledge, not just a few weeks of looking at prices, to understand the overall implications of the marketplace and to execute a completed transaction.

Because it's my profession, and what I focus on daily, I can help you and your family or friends.

CLICK HERE to view my latest newsletter ~ Thanks for your continued support.

I am the GUY that will make a difference!

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ What friendship style do you use to build strong relationships?

2011-03-27T12:56:00.000-07:00

The way we relate to people affects how we view and negotiate the world.

What friendship style do you use to build strong relationships?

Expressive Style

• You lose your temper, but never for long.

• Everyone wishes they had your energy.

• You talk with your hands.

Your knack for seeing life’s silly side turns tense situations right around.

Nurturing Style

• You are the friend others confide in most.

• You prefer heartfelt private thanks.

• You would rather chat by phone than email.

Confide in others too; be a rock with your friends,

but with a little less stress.

Analytical Style

• You choose your words carefully.

• Your best work is done alone.

• You are a perfectionist.

Your smarts serve you well but go with your gut.

Driver Style

• You skip the small stuff to get to the meaty stuff.

• You tend to be super punctual

• You excel at making important decisions - fast.

Take a break from the fast lane once in a while and relax.

I am the GUY that will make a difference!

Karen Guy, REALTOR® Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ LET THERE BE LIGHT

2011-03-26T09:39:00.000-07:00

Need more light and space in your home? You don’t need to install windows or tear down walls - just put up a mirror and double your brightness.

Light and cheery. Double the light in a room by hanging a mirror on a wall, across from a window. The rays of sunshine will reflect off the mirrors and brighten everyone’s mood.

Create a focal point. A large mirror can turn a lifeless wall into a stunning focal point. Make sure the style of the mirror blends well with other pieces in the room.

Widen a hallway. A mirror placed horizontally in a narrow hallway will add depth instantly. When hanging the mirror, make sure it is at a comfortable eye level.

Inventive fire. If you have an unused fireplace, cover it with a stunning mirror and you will turn a dark hole into a feature point of the room.

Think big. The bigger a mirror, the more light it will reflect. If you don’t have a large mirror, placing two smaller mirrors side by side will have the same effect.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

I am the GUY that will make a difference!

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Are You Sitting on the Fence?

2011-03-22T18:21:00.001-07:00

Some potential buyers might be sitting on the fence waiting for home prices to hit bottom as they want to ensure that they are purchasing at the best possible price. There may actually be some room for prices to drop a little further in our area. But I would suggest that waiting is not the best financial decision for a buyer today.

Below I pose and respond to the following question -

Should a buyer be more concerned about the “PRICE” of the home or
should they really be more concerned about the overall “COST” of the home?

The cost of a house is made up of the price AND THE INTEREST RATE they will be paying on their mortgage financing.

PRICES

The average median residential price was $417,917 in the fourth quarter of 2010, down 3.5% from $432,833 in the fourth quarter of 2009 here in the Central Okanagan.

A buyer who delayed a purchase might be happy with the fact that prices have come down and think they have made a great decision but with interest rates on the rise, that decision could be questioned.

INTEREST RATES

Five year fixed interest rates have increased 35 basis points since the beginning of the fourth quarter of 2010.*

No one has a crystal ball but here are the latest interest rate predictions from the Big 6 Banks which could translate to a further one percent increase in mortgage interest rates by the end of this year.

The Big 6 Banks currently expect prime rate to climb 200+ basis points (bps)
in the next 24 months. They project 5-year bond yields rising over 125 bps.

So prices have declined slightly but interest rates have risen significantly in the last few months. So what does this mean to a buyer who is looking to purchase a home this year?

Let’s take a look at what this could mean to the buyer who decided not to buy during the last quarter of 2010 because they thought that the prices would drop further but are now considering purchasing a home sometime this year.

They are financing the same amount, but now it is costing them more.

DATE                     MTG AMT            RATE          MONTHLY PMT

OCTOBER 2010      $360,000           3.69%*          $1649.28
TODAY                    $360,000           4.04*             $1720.03
OCTOBER 2011      $360,000           5.04%            $1929.89

By sitting on the fence until now the buyer has lost:

• $70.75 a month, $849.00 a year, $4,245 in payments over the five year term
• Will pay an additional $6,089 in interest over the 5 year term

By sitting on the fence since October and waiting until later this year a buyer could potentially lose:

• $280.61 a month, $3,367.32 a year, $16,836.60 in payments over the five year term
• Will pay an additional $23,563.04 in interest over the 5 year term

Here’s the bottom line:

Even if home prices fall another 10% this year, the cost of a home will increase if interest rates go up by more than 1.00%. Perhaps buyers should not be so concerned about where prices are going but be more concerned about where their interest rate costs will be later on this year.

The important number to consider is the OVERALL COSTof the home and not just the purchase price.

Why not share this information with anyone that may still be sitting on the fence and can't decide whether they should purchase now. With our historically low interest rates this is a great time to buy for both investors and those looking to move up or buy their first home.

Compliments of:         April Dunn, Mortgage Broker
                                  Mortgage Alliance Homeline Mortgage
                                  250-826-3543
                                  http://www.aprildunn.com/

Please let me know if I can be of any assistance.

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy is a proud sponsor for the Ride2Survive June 18th 2011

2011-03-21T10:02:00.000-07:00

Ride day is June 18th 2011

Our 7th Ride2Survive400km

13,000 feet of climbing, One day....Cycling to Beat Cancer

----------------------------------------------------

What is the Ride2Survive?
Simply, it is a one day 400km bicycle ride from Kelowna to Delta raises funds for Cancer Research! But,

•it is more than a bicycle ride
•it is more than a cancer fundraiser
•it is more than the most amazing ride you will ever do
•it is more than the best supported event you will ever do
Do you want to feel like you have been inspired, given back, made a difference?

...Then you need to join the Ride2Survive!

Watch this video:

I have sponsored the first pitstop for the last three years which is located at the Johnson Bentley Pool parking lot. It is an amazing experience and one that I will continue to support and particiate in.

For more information contact:

Karen Guy,
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ You`ve Sold Your House, Now for the Home Inspection

2011-03-17T13:15:00.000-07:00

You have sold your home, and now all that remains is the Home Inspection to be completed.

There are a few things you as a homeowner can do in advance to facilitate this process and ensure that your home gets a proper and complete assessment of its condition:

• De-clutter storage under sinks to allow inspection of the plumbing in these areas

• Provide clear access to any and all hatches to the roof or attic spaces. (These are usually located in an upstairs hallway, or sometimes in the top of a closet or walk in closet or the garage)

• Provide clear access to hatches or doors to the crawlspace or cellar

• Clear the area immediately in front of any Electrical Distribution (Breaker) Panels or Sub Panels

• Clear the area directly in front of and around your furnace and hot water tank

• Clear the area around the Main Water Shut Off (Sometimes concealed from view under stairs or in finished basements)

• Make sure any burned out light bulbs have been replaced

While many home inspectors will deal with or work around a few small items, they should not be expected to move furniture and your personal effects to be able to complete their work, and doing so is not part of the scope of a home inspection.

It is important to remember, if an Inspector cannot access an important area of your home, the potential buyer will receive an incomplete report that will make note of this and may slow down, or otherwise impair the completion of your sale, particularly if they have to ask you to provide access later and re-schedule a further inspection visit before “signing off” on their conditions. This just delays the process for everyone, adds costs, and also adds yet another level of stress to an already stressful time.

The simple steps outlined above can eliminate this entirely and will certainly assist in making your sale progress smoothly.

I trust you will find this information of value, and encourage you to circulate it amongst your colleagues, and feel free to distribute the attachment to your clients as well.

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy REALTOR ~ Kaleido @ Lakewind ~ West Kelowna ~ Prices Starting $199,000

2011-03-02T14:29:00.000-08:00

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Getting Better Gas Mileage & Saving Money

2011-03-01T10:37:00.000-08:00

Sneaky Ways To Get Better Gas Mileage

Forbes - Jacqueline Mitchell

Motorists looking to save on a litre of gas needn't drive across province lines in search of cheaper prices at the pump.

The answer is right under the hood. That's because more frequent air filter changes can improve your vehicle's gas mileage by as much as 10%, the Car Care Council says. The filter keeps dirty particles from damaging the inside of your engine and helps it run more efficiently. The council, a consumer advocacy group that promotes vehicle maintenance, recommends checking the filter each time you change the oil every 3,000 miles (nearly 5,000 kilometres).

Other fuel-saving measures include keeping tires properly inflated, reducing your load and avoiding long idles.

These adjustments have never been more important. Last week, the nationwide average price for regular gas pushed toward $1.30 a litre, and prices are expected to rise, some say, to as much as $2.50 by summer.

"You can't control the price of gas, but you can control how much gas you burn by proper maintenance and how you drive," says Rich White, executive director of the Car Care Council. "Performing simple and inexpensive maintenance can save as much as $1,200 a year."

Top 10 Tips

We compiled 10 key fuel-saving tips and estimated fuel savings from the U.S. Environmental Protection Agency (EPA), the Car Care Council and the Federal Trade Commission (FTC).

But before motorists start calculating potential savings, all of the agencies we contacted cautioned that gas mileages are only estimates. The number of kilometres that you see per litre of gas will vary depending on such factors as the rate of speed driven and the amount of city driving versus highway driving. The latter requires fewer stops and starts.

One immediate step a driver can take is observing the speed limit. Aggressive drivers can save per litre if they ease up on the gas and brakes, according to the Car Care Council. You can also save by observing the speed limit and using cruise control during highway driving.

Using the manufacturer's recommended levels of octane gas and grade of oil also makes a difference. Luxury and high-performance cars usually require premium gas, which has a higher level of octane to prevent engine knocking or rattling in some vehicles. But regular gas is recommended for most vehicles; using a higher-octane fuel on these cars will provide little benefit, if any. However, using a higher grade of motor oil will cut into your fuel economy, according to the EPA, which publishes fuel-saving tips at http://www.fueleconomy.gov/, a consumer information Web site jointly maintained by the U.S. Department of Energy's Office of Energy Efficiency and Renewable Energy and the EPA.

Watching your weight also fattens your wallet. Piling a lot of heavy items on the roof rack can create additional cargo space, particularly in small cars, but it will also decrease fuel economy by 5%, according to the EPA.

What's more, car owners should beware of businesses advertising gas-saving products that promise to improve fuel economy, some by as much as 20%. These include fuel additives that claim to improve fuel economy and ignition devices that attach to an existing ignition system or replace part of the original system. The FTC and EPA warn that such claims are false.

Bottom line: If a new car isn't in your immediate future, don't sweat. By making a few lifestyle changes, you can get some relief at the gas pump.

1 Drive Sensibly

Estimated Savings: 7 to 49 cents per gallon

Speeding, rapid acceleration and constant braking are all symptoms of aggressive driving that waste gas. Pay attention to the traffic flow to maintain a more constant speed. You can lower gas mileage by as much as 22% on the highway and 5% on city streets by driving sensibly.

2 Replace Dirty Air Filter

Estimated Savings: 15 to 32 cents per gallon

Replacing a clogged air filter can improve your vehicle's gas mileage by as much as 10%. The air filter keeps dirty particles from damaging the inside of your engine. A clean air filter serves a dual purpose: It saves gas and protects your engine.

3 Bypass High-Octane Gas

Estimated Savings: 15 to 35 cents per gallon

Regular octane fuel is recommended for most cars. Buying a high-octane gasoline most likely won't improve your car's performance but will add to your fuel cost.

4 Maintain The Speed Limit

Estimated Savings: 10 cents per gallon

Gas mileage usually decreases rapidly at speeds above 60 mph. Observing the speed limit and using cruise control during highway driving will conserve gas

5 Avoid Long Idles

Estimated Savings: Additional miles per gallon

Allowing your vehicle to run idle for longer than a minute is equivalent to throwing money out of the window. You are burning gas but getting zero miles per gallon. Shut off the car; it takes less gas to restart it than what is being used while sitting still.

6 Check Gas Cap

Estimated Waste: Gallons of gas each year

Gas caps that are damaged, loose or missing can cause gallons of gas to vaporize, thus sending you to the pump sooner than necessary.

7 Get a Plan

Estimated Waste: Gallons of gas each year

Trips to the grocery store, dry cleaners and shopping centers should be planned so you are not wasting time retracing your route. If you have multiple vehicles, drive the one that has the better mileage. Make a list of what you need so you don't forget something and have to make a return trip.

8 Use the Recommended Oil

Estimated Savings: 3 to 6 cents a gallon

You can improve your gas mileage by up to 2% when using the grade of oil recommended by the manufacturer.

9 Keep Tires Properly Inflated

Estimated Savings: Up to 10 cents per gallon

When tires aren't inflated properly, it's like driving with the parking brake on, and that can cost a mile or two per gallon. You can improve your gas mileage by around 3.3% by keeping your tires inflated to the proper pressure.

10 Drop the Weight

Estimated Savings: 3 to 6 cents per gallon

Avoid keeping unnecessary, heavy items in your vehicle. An extra 100 pounds could reduce your miles per gallon by up to 2%, based on the percentage of extra weight relative to the vehicle's total weight, which affects smaller cars more than larger ones. http://www.forbes.com/2008/04/22/cars-mpg-gas-forbeslife-cx_jm_0422cars.html

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy REALTOR ~ West Kelowna ~ Technology Tip

2011-02-24T14:19:00.000-08:00

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

2011-02-22T13:57:00.000-08:00

Karen Guy, REALTOR®
I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ 3131 Doucette Drive ~ Rancher Walk-Out ~ Fantastic Lakeviews

2011-02-14T15:47:00.000-08:00

Karen Guy, REALTOR® I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.800
http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Housing Market Continues Normalization

2011-02-14T14:13:00.000-08:00

Vancouver, BC – February 14, 2011.

The British Columbia Real Estate Association (BCREA) reports that Multiple Listing Service® (MLS®) residential sales in the province climbed 7 per cent in January from December 2010, on a seasonally adjusted basis. Compared to January of last year, MLS® residential unit sales were down 10 per cent to 4,137 units. The average MLS® residential price rose 11.5 per cent to $548,183 in January compared to the same month last year.

"Consumer demand continues to normalize alongside overall economic conditions,” said Cameron Muir, BCREA Chief Economist. “However, the pace of growth in home sales experienced since last summer is likely to moderate in the coming months as tighter credit conditions and upward pressure on mortgage interest rates impacts affordability and purchasing power."

The inventory of homes for sale remained below 47,000 units for the third consecutive month in January, down 14 per cent from the spring of last year. “While demand and supply conditions province-wide exhibited balance last month, regional differences are pronounced,” added Muir. “Housing markets in the Lower Mainland/ South Coast exhibited stronger conditions than in the Kootenays and Okanagan, which remained in buyer’s market territory in January."

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

2011-02-09T10:54:00.001-08:00

Patience and perseverance are a must to weather out any storm...and try to have fun out there while persevering LOL. Going X-country skiing this afternoon - brrr it's going to be a cold one. http://amplify.com/u/apm5f

Karen Guy, REALTOR® ~ Managing Your Credit Scores

2011-02-03T16:12:00.000-08:00

Credit scoring 101

Don't worry, Credit Scoring 101 doesn't require any prerequisite courses, but you'll want to be ready to learn about a few tricky algorithms and number crunching.

History

The credit scoring system became prevalent during the 1960's as a way for lenders to quickly evaluate a potential borrower's creditworthiness. The system was found to accurately predict financial risk over time and grew to several different industries. Now credit scoring is used by lenders, insurers, landlords, employers, and utility companies to evaluate your credit behaviour.

Algebra

Thousands of different credit scoring formulas exist today for various evaluation purposes. Each unique credit scoring system is accurate and correct for its own application. The credit scores you can order online use an algorithm created for consumers that approximates these different formulas. Your online credit score may vary a bit from the score your lender uses, but they should be in the same range.

Chemistry

The basic credit scoring formula takes into account several factors from your credit profile. The impact of each element fluctuates based your own credit profile:

• Payment history - A good record of on-time payments will help boost your credit score.

• Outstanding debt - Balances above 50 percent of your credit limits will harm your credit. Aim for balances under 30 percent.

• Credit account history - An established credit history makes you a less risky borrower. Think twice before closing old accounts before a loan application.

• Recent inquiries - When a lender or business checks your credit, it causes a hard inquiry to your credit file. Apply for new credit in moderation.

• Types of credit - A healthy credit profile has a balanced mix of credit accounts and loans.

Economics

When you are preparing for a major purchase make sure you check your credit profile and credit score from TransUnion or Equifax. If you are looking to purchase a home, talk to your mortgage broker so that they can review your credit and let you know where you are at. Looking at your profile and score a few months before your loan application will help you get a complete picture of your credit health. Worried if your credit score makes the grade? If your credit score is above 650 you will probably qualify for a standard loan. Under 650, you may have trouble receiving new credit.

If your credit score is a little low, pay your bills on time, reduce your debt, remove inaccuracies and avoid new inquiries for a few months to give it a boost. Plus, don't forget that your credit score is not the only factor a lender may look at when they are evaluating your financial standing.

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

This might make you think twice before waiting in a long line to wash your vehicle...

2011-02-01T11:48:00.000-08:00

Go wash your car - Business Beyond Numbers - Bruce Ryan

Thanks Bruce!

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605O 250.768.8001

http://www.connectwithkaren.com/

2011-01-23T13:25:00.001-08:00

what an absolute gorgeous day in the sunny #Okanagan...wow! Not as busy today at the Condo's in #West Kelowna, but I would bet everyone is taking advantage of this great weather. http://amplify.com/u/bnfra

Karen Guy ~ West Kelowna Realtor ~ New Mortgage Rules as of 18 March 2011

2011-01-19T11:48:00.000-08:00

The Honourable Jim Flaherty, Minister of Finance, and the Honourable Christian Paradis, Minister of Natural Resources, today announced prudent adjustments to the rules for government-backed insured mortgages to support the long-term stability of Canada’s housing market and support hard-working Canadian families saving through home ownership.
“Canada’s well-regulated housing sector has been an important strength that allowed us to avoid the mistakes of other countries and helped protect us from the worst of the recent global recession,” said Minister Flaherty. “The prudent measures announced today build on that advantage by encouraging hard-working Canadian families to save by investing in their homes and future.”
“The economy continues to be our Government’s top priority,” continued Minister Paradis. “Our Government will continue to take the necessary actions to ensure stability and economic certainty in Canada’s housing market.”

The new measures:

Reduce the maximum amortization period to 30 years from 35 years for new government-backed insured mortgages with loan-to-value ratios of more than 80 per cent. This will significantly reduce the total interest payments Canadian families make on their mortgages, allow Canadian families to build up equity in their homes more quickly, and help Canadians pay off their mortgages before they retire.
Lower the maximum amount Canadians can borrow in refinancing their mortgages to 85 per cent from 90 per cent of the value of their homes. This will promote saving through home ownership and limit the repackaging of consumer debt into mortgages guaranteed by taxpayers.
Withdraw government insurance backing on lines of credit secured by homes, such as home equity lines of credit, or HELOCs. This will ensure that risks associated with consumer debt products used to borrow funds unrelated to house purchases are managed by the financial institutions and not borne by taxpayers.

Our Government’s ongoing monitoring and sound underlying supervisory regime, along with the traditionally cautious approach taken by Canadian financial institutions to mortgage lending, have allowed Canada to maintain strong and secure housing and mortgage markets.
The adjustments to the mortgage insurance guarantee framework will come into force on March 18, 2011. The withdrawal of government insurance backing on lines of credit secured by homes will come into force on April 18, 2011.

Information courtesy of the Department of Finance Canada Website.

If I can answer any more of your questions or concerns, please let me know.

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy - West Kelowna Realtor ~ New Mortgage Rules

2011-01-17T13:25:00.000-08:00

OTTAWA — Finance Minister Jim Flaherty unveiled changes Monday morning to mortgage lending rules that would see Ottawa stop backing home loans greater than 30 years and make it more difficult for households to use their property to access financing.

The changes, as reported by the National Post on Sunday, emerged as worries escalate among Bay Street leaders and the Bank of Canada about the record levels of household indebtedness, and how conditions could deteriorate unless pre-emptive action was taken.

The key change announced is that mortgages with amortization periods longer than 30 years will no longer qualify for government-backed mortgage insurance, which is required for buyers with less than a 20% down payment on a home. The previous limit was 35 years.

Also, Mr. Flaherty lowered the maximum amount Canadians can borrow against the value of their homes, to 85% from 90%, on a refinancing; and removed federal government backing for home equity lines of credit, or so-called HELOCs, whose popularity soared in the past decade with growth double that of mortgage debt.

"Canada's well-regulated housing sector has been an important strength that allowed us to avoid the mistakes of other countries," Mr. Flaherty said at a media conference. "The prudent measures announced [Monday] build on that advantage by encouraging hard-working Canadian families to save by investing in their homes and future."

Executives at Bank of Montreal applauded the government's move.

“The actions announced are prudent, measured, responsible and timely,” said Frank Techar, president of personal and commercial banking at Bank of Montreal.

The changes will be implemented in stages, with adjustments on amortization and refinancing limits coming into force on March 18. Government backing on HELOCs will be removed as of April 18.

The government said exceptions would be allowed after the new measures come into force when needed to satisfy a home purchase or sale and financing agreement struck before the March and April in-force dates.

The minimum down payment, at 5%, will remain as is. Further, there are no plans to target condominium purchases by requiring monthly condo fees be added to the list of expenses that is measured against income to decide whether a buyer can afford a mortgage.

Analysts at Scotia Capital said in a morning note the changes had been anticipated for some time. “We remain of our long-held belief that Canada is tapped out on housing and household finance variables that are all at cycle tops, in contrast to the U.S. that has already moved well off cycle tops and may be creating some pent-up demand,” said economists Derek Holt and Gorica Djeric.

The changes to the country’s mortgage rules -- the second in as many years -- emerge amid rising concern about the record levels of household debt, which measured as a ratio of money owed to disposable income nears a startling 150% as of the third quarter of last year. That surpasses the level of debt held by American households, whose appetite for borrowing helped stoke the financial crisis of a few years ago.

The Bank of Canada recently warned debt levels are growing faster than income, and the risk posed by consumer indebtedness to the domestic economy would continue to escalate without a “significant change” in how consumers borrow and banks lend.

Bank of Canada governor Mark Carney said policymakers have a “responsibility” to look at the benefits of pre-emptive action. Joining the chorus have been chief executives at the big banks, most notably Ed Clark at Toronto-Dominion Bank, in publicly advocating for tougher mortgage standards.

Last Friday, Prime Minister Stephen Harper acknowledged his government was considering changes to the rules governing mortgages.

In February of 2010, Mr. Flaherty moved to toughen up the mortgage rules amid worries that Canada was in the midst of a housing market bubble. The reforms, since introduced, compelled borrowers to meet standards for a five-year fixed-rate mortgage, even if the buyer wanted a shorter-term, variable rate loan; reduced the amount Canadian can borrow against their home, to 90% of the property value from 95%; and require purchasers of rental properties to issue a 20% down payment as opposed to 5%. The moves played a role, observers say, in slowing down real estate activity.

The Scotia Capital analysts suggested government regulation was the way to go in terms of curbing household appetite for credit as opposed to the Bank of Canada raising interest rates, which they said would be “imprudent” at this time.

The central bank issues its latest rate statement on Tuesday and it is expected to hold its benchmark rate at its present 1% level as signs indicate the economy may be benefiting from renewed business and consumer confidence in the United States.

Stewart Hall, economist at HSBC Securities Canada, said the extraordinarily low-rate environment “provides all the incentive to consumers to borrow and spend and none of the incentive to save. You can try to [regulate] that away but that is apt to be fraught with significant frustration.”

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Lakeview Townhome - Peachland, BC NOW $358,888!

2011-01-16T11:34:00.000-08:00

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

I am the GUY that will make a difference!

http://www.connectwithkaren.com/

West Kelowna Realtor Karen Guy ~ BCREA Latest Stats

2011-01-13T17:07:00.000-08:00

Record Home Prices for 2010
Vancouver, BC – January 13, 2011. The British Columbia Real Estate Association (BCREA) reports that Multiple Listing Service® (MLS®) residential sales in the province declined 12 per cent to 74,640 units in 2010. The annual average MLS® residential price rose 8.5 per cent to a record $505,178 in 2010.

"Tighter credit conditions and expended pent-up demand curbed home sales during the first half of 2010,” said Cameron Muir, BCREA Chief Economist. “However, low mortgage interest rates and improved economic conditions buoyed home sales in the latter half of the year.” MLS® residential unit sales declined 40 per cent January through July before climbing 43 per cent by the end of the year, on a seasonally adjusted basis.
"The inventory of homes for sale peaked at 53,375 units in May before declining 14 per cent to 46,000 units by December,” added Muir. “The combination of fewer active listings and increased consumer demand has improved market conditions in many areas."
MLS® residential sales declined 25 per cent to 4,258 units in December from a near record level of 5,703 units in December 2009. After a 15 per cent increase in unit sales between October and November, a further 1 per cent increase was recorded in December on a seasonally adjusted basis. The average MLS® residential sales price was a record $523,990 in December, up 6 per cent from December 2009.

Karen Guy, REALTOR®

I am the GUY that will make a difference!
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy REALTOR ~ West Kelowna Real Estate

2011-01-10T16:12:00.000-08:00

Excellent Value Added Service When It Comes Time For Your Home Inspection!

Karen Guy, REALTOR®

I am the GUY that will make a difference!
Coldwell Banker Horizon Realty
C 250.878.3605O 250.768.8001

http://www.connectwithkaren.com/

West Kelowna Real Estate ~ Karen Guy ~ Wow, this is why I love my job!

2010-12-19T12:43:00.000-08:00

Merry Christmas Karen! Thank-you so much for the card, calender and chocolates!

I love the calender! I find I really use that style so useful for keeping track of all my daycare stuff. I love my new place and neighbourhood. I'm SO glad I made the move. Everything you did for me helped make things go smoothly so THANK-YOU from the bottom of my heart! Love, Bonna

Karen Guy, REALTOR®
I am the GUY that will make a difference!
Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001

http://www.connectwithkaren.com/

West Kelowna ~ Homeowners Protect Yourself Now ~ CO Detectors

2010-12-16T11:49:00.000-08:00

Homeowners can take action against potential carbon monoxide poisoning by taking the following steps:

This is an IMPORTANT REMINDER to take this time to ensure you CO detectors are working.

Carbon monoxide (CO) is an odorless, colorless gas produced by the combustion of fuels such as natural gas, oil, and propane in devices such as furnaces, water heaters, and stoves. These items are normally designed to vent the CO to the outside, but harmful interior levels of CO can result from incomplete combustion of fuel, improper installation, or blockages, leaks or cracks in the venting systems.

• Have all fuel-burning appliances professionally inspected yearly, preferably before the start of the cold-weather season when heaters and furnaces are first used

• These appliances include gas stoves and ovens, furnaces and heaters, water heaters, generators, and clothes dryers

• All such devices should be properly installed and vented to the outside whenever possible

• If repairs are necessary, be sure they are performed by a qualified technician

• Always use the proper fuel specified for the device

• Have flues and chimneys for fuel-burning fireplaces or wood stoves inspected regularly for cracks, leaks, and blockages that may allow a buildup of CO to occur

• Never use gas stoves or ovens to heat the home, even temporarily

• Do not start or idle a vehicle in a garage, even with the outer garage door open.

• For additional protection, purchase a CO detector (either battery operated or plug-in) and follow the manufacturer's instructions for proper location and installation

• Learn what to do should the CO alarm activate: If anyone in the home experiences symptoms such as fatigue, dizziness, blurred vision, nausea, or confusion, everyone should leave immediately and seek medical attention. If no symptoms are felt, open doors and windows immediately and shut off all fuel-burning devices that may be potential sources of CO.

Karen Guy, REALTOR® I am the GUY that will make a difference!

Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Holiday Viewings are Worth a Look

2010-11-30T16:00:00.000-08:00

Holiday Viewings

The holiday season is fast approaching. It’s a time that is traditionally taken up with family gatherings, parties and general celebration, with all the flurry of activities that go with it. Real estate is often the furthest thing from the most people’s minds – but I’d like to tell you that if you’re one of the home buyers and sellers who think that way, you could be missing out!

The holiday season can have definite advantages for both buyers and sellers. If you currently have your home listed for sale, you may find yourself caught up in the time demands of shopping and entertaining. You may be feeling that you don’t need the added stress of keeping your home in “show-ready” condition at a time of year when viewings may tend to slow down. In fact, some home sellers won’t accept viewing appointments during the holiday season. While that’s your choice, you should be aware that a decision like that could result in a missed opportunity. After all, in today’s ethnically diverse society, there are still many prospective buyers who may not be celebrating the holiday season, yet they still have time off to view properties. Also, with some homes not accepting viewing appointments, your listing may have less competition during the holiday period.

Of course, if your home is decorated for the holidays, it probably looks at its most attractive. Holiday viewings have the advantage of showing off your home at its most welcoming, and prospective buyers can envision themselves in its warm and inviting atmosphere. So why not roll out the welcome mat to potential buyers too?

The holiday season offers advantages for buyers as well. Fewer buyers actively looking during the holidays means there’s less competition from other buyers. It’s still an excellent time to go house hunting. As your local Coldwell Banker real estate professional, I can help bring you a home for the holidays!

Karen Guy, REALTOR®

I am the GUY that will make a difference!

Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy, REALTOR® ~ Maintaining Your Hot Water Tank

2010-11-30T12:42:00.001-08:00

MAINTAINING YOUR HOT WATER TANK

Performing routine checks and maintenance on your hot water tank, whether it is gas, oil or electric, is vital to extending the life and efficiency of the tank and ensuring your safety. The normal life expectancy of a tank is 8 – 12 years. Older tanks have the manufacture date as part of the serial number; however newer tanks have stickers with the date of manufacture clearly stated.

Completely check the tank for any signs of leaks, corrosion, damage and deterioration. Check water lines on top of the unit for leaks and corrosion; also check that the bottom drain valve is not leaking. You should routinely drain the tank and flush out any silt and debris on the bottom of the tank. This will greatly increase the life and efficiency of your tank, especially if you are on a well system.

The area around the tank should be kept clear of debris and combustibles. Air flow is required to help with combustion and the performance of your tank. Visually check the tank’s main components. Check the burner and pilot-light burn pattern and look for signs of corrosion and deterioration and ensure that the flame shields are in place. Air flow to the burner area should not be obstructed.

Next, take a look at the temperature pressure relief valve (TPRV) located on the side of the tank. The TPRV is designed to release any build-up of pressure or temperature. There should be no signs of leakage or corrosion. The TPRV should also be equipped with a down-tube to safely direct any release of hot water and/or steam from hitting you. The TPRV should never be capped. Without the ability to release pressure, your tank will essentially become a ticking bomb.

The vent connector/exhaust pipe on top of the tank should be securely attached with no holes or corrosion. If the vent is not in good condition it could lead to the off gassing of Carbon Monoxide, which can make you ill or at high levels, lead to fatality.

You should consult a professional plumber if any of the above issues exist or if you have any questions or concerns.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

2971 Ridge Place ~ NEW PRICE ~ $459,000

2010-11-29T11:15:00.000-08:00

West Kelowna Realtor Karen Guy ~ Tips on Planning a Home Office

2010-11-24T08:27:00.001-08:00

Planning Your Home Office

Technology is quickly changing our everyday lives, and if you’re like me, you want to use it to your best advantage, no matter what the time of day. For some people, that may also mean making a few changes to your home environment. More and more homeowners I talk to are converting their sewing room, games room or den into a home office.

If you’re thinking of creating a home office, a good place to start is making a list of needs that you want your home office environment to fulfill. Make sure that you consider possible future uses as well as just your immediate needs. Prepare a budget and include both the cost of equipment and any installation costs. Don’t forget to consider an extra phone line, and high-speed internet installation or wireless service costs. You should also determine whether any additional power outlets or lighting will be needed to accommodate your room’s new purpose. If you need electrical work done, factor this into your budget.

Your equipment cost is one area where you probably won’t want to skimp. With today’s rapidly-advancing technology, you may find that if you only go with a minimal set-up, your equipment could quickly become inadequate to handle your future needs. If you need to cut back on your budget, you will probably be better served by ‘getting creative’ with furniture or decorating costs. I’ll be giving you some tips about this in my next newsletter.

If you’re considering a home office, remember that when the time comes to sell, prospective buyers generally find a home office a welcome and attractive feature. And if you’re looking for more ideas to make your home more saleable, or you’re wondering what’s in demand for today’s homes, just give me a call. As your local Coldwell Banker sales professional, I can advise you about what’s hot and what’s not in our market, and how various improvements may affect the resale value of your home. Let’s talk.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

West Kelowna Real Estate - Market Update from my E-Connection Newsletter

2010-11-08T10:19:00.000-08:00

I had a great chat with another Realtor friend in Langley the other morning. He is quite busy right now working with clients wanting to take advantage of upgrading to a more expensive home (let’s say you want to buy a home that’s worth $100,000 more than the current home you are in) in the current down market. If you are thinking of exactly this, there couldn’t be a better time.

A lot of buyers out there are sitting on the fence and waiting to decide if prices will go down even further. In my opinion they may, but the other unknown factor is interest rates; what are they going to do? If house prices fall slightly, interest rates could very well increase. Interest rates certainly can’t come down much more; so, I personally consider this a wash. Don’t be one of many who wake up regretting not getting into the market when they had a chance.

The only time the bottom of the market is realized is when it’s too late, as prices are already on the way up again. Gone are the days of buying and flipping. If you are planning on making a purchase and staying in your home (which more people are these days) it’s irrelevant if values decrease slightly. Like I said, in my opinion you cannot go wrong making a purchasing now.

Click here to see my full E-Connection Newsletter. If you would like to receive these every 6 weeks please send me an email and I will add you to my distribution list.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

OPEN HOUSE SATURDAY 2 - 4 pm (October 30th)

2010-10-26T14:26:00.001-07:00

1606 Westlake Road - West Kelowna Estates

See information and photo's below on next post! Hope to see you there. THIS HOME MUST BE SOLD.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

REDUCED ALMOST $50,000 ~ West Kelowna Estates - What a stunning Renovation! - Must See

2010-10-25T12:30:00.000-07:00

NOW $499,000. This is the value buyer's have been searching for......beautifully renovated 4 level split West Coast Contemporary home in sought after West Kelowna Estates. Perfect for entertaining, this home boasts a 24 x 13 kitchen with an over-sized island, a huge 785 sq.ft deck with a peek-a-boo lake view. This .25 acre very private yard is within walking distance to Rose Valley Elementary and Regional Park Hiking Trails. With over $100k in renovations (new windows, doors, skylights, roof, gas fireplaces, furnace, hot water tank, kitchen, sewer, deck, painted inside and out, new flooring, fixtures, and landscaping) this house is move in ready. With so many custom extras, this home is truly a must see! Approx. 2390 sq.ft with 4 bedrooms, 2 bathrooms, RV parking and parking for 5 cars. For more details on this fabulous renovation, go to http://www.connectwithkaren.com/
and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 @ 250.768.8001 or 250.878.3605. MLS® 10016073.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

West Kelowna Real Estate - The Power of Social Media to Market Real Estate

2010-10-22T15:28:00.000-07:00

I am attending a very informative seminar on the power of social media. Enjoy!

Karen Guy, REALTOR®I am the GUY that will make a difference!Coldwell Banker Horizon RealtyC 250.878.3605O 250.768.8001
http://www.connectwithkaren.com/

TOMORROW (SATURDAY) Open House October ~ West Kelowna - own for $329,000! This is a great buy!

2010-10-22T14:51:00.000-07:00

OPEN HOUSE SATURDAY 1-3pm ~ 1101 - 2440 Old Okanagan Highway ~ Bayview

Mortgage Specialist Christine Dawson will be my special guest in attendance to answer any of your leasehold financing questions!

Neat, tidy and cozy home. Perfect starter or excellent retirement living. This is certainly one of the best deals going. 4 bedroom, 2 bathroom lovingly cared for home in Bayview. Upgraded with new fixtures, crown mouldings, fresh paint in the kitchen, pleasing colors, private backyard has new deck with gazebo and mature flower beds with new walkway and stone beds on the side of the house. Entertaining size family room down, with extra storage space as well. Radiant barrier installed in the attic - very efficient. Parking for 3 cars, convenient location – close to shops, bus route and much more. Well worth a look. Strata Fees $99.00 per month.

For more details and photo's and virtual tour go to http://www.connectwithkaren.com/ and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10015404.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

6.8 Acres - 650 Feet Water Frontage - Exquisite Log Home

2010-10-21T15:59:00.000-07:00

Situated on 6.8 acres of ALR property on Stump Lake (28 miles from Merritt), this spectacular waterfront 3 storey 3300 sq.ft. log home will capture your heart. Handpicked logs from the West Coast of Vancouver Island encapsulate the warm and welcoming feeling of this home, and serve as the focal point. Custom built in 2004 by Mibroc Construction this log cabin is anything but ordinary. 4 bedrooms, 3 bathrooms, maple hardwood flooring, abundance of light, glass handrails throughout and chef’s kitchen with granite counters gourmet island are here to enjoy. Enjoy the breathtaking views from your huge deck overlooking the lake. Snowmobiling, dirt biking, snow-shoeing, and numerous outdoor activities are right at your doorstep waiting to be enjoyed. Trout fishing is famous in Stump Lake, motorized boats allowed. Detached double garage, boat dock, and approximately 650 feet on water frontage make this an amazing get-a-way property or make this your own private estate. Quilchena Golf Club not far! Yours is one of approximately 46 strata lots – all on a community well water system. For more details and photo's and virtual tour go to www.connectwithkaren.com and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS® 10017881.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Open House October 23rd - 2440 Old Okanagan Hwy West Kelowna - own for $329,000! This is a great buy!

2010-10-18T09:41:00.000-07:00

Neat, tidy and cozy home. Perfect starter or excellent retirement living. This is certainly one of the best deals going. 4 bedroom, 2 bathroom lovingly cared for home in Bayview. Upgraded with new fixtures, crown mouldings, fresh paint in the kitchen, pleasing colors, private backyard has new deck with gazebo and mature flower beds with new walkway and stone beds on the side of the house. Entertaining size family room down, with extra storage space as well. Radiant barrier installed in the attic - very efficient. Parking for 3 cars, convenient location – close to shops, bus route and much more. Well worth a look. Strata Fees $99.00 per month.

For more details and photo's and virtual tour go to http://www.connectwithkaren.com/

and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10015404.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Walk-out Rancher in Lakeview Heights

2010-10-15T14:21:00.000-07:00

Well maintained 2500 sq.ft. rancher walk-out in Boundary Pines. Great location, close to schools, shops and downtown Westbank. 3 full baths, 4 bedrooms (2 up and 2 down) and nice bright open kitchen. Great family home with fully finished basement. Large corner fenced lot – nicely landscaped backyard all on quiet cul-de-sac and no-thru road. Listen to the water fall and pond as you sip coffee on your deck.! Walk-way at the end of the street to the local elementary school. This home is great value for the dollar. Still under warranty. MUST BE SOLD. NOTE: Due to protecting the privacy of the tenant, limited interior photo's will be published. For more details go to http://www.connectwithkaren.com/ or to book a personal showing please call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10017326.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Nice Suprise!

2010-10-15T13:29:00.000-07:00

So I'm sitting in my office the other day working on a few things. In between seeing clients, answering calls and all the other things this is a time when I get to reflect and think about what will happen next in the crazy career called Real Estate, when Lynn comes in and hands me some mail.

I look up from my computer a little frazzled but welcome the break. Every three months or so we get our "Ultimate Service" Customer Satisfaction Questionnaire's back from clients and I am very proud to share these comments.

"We saw Karen's sign down the street - and went to her open house at another property and was very impressed by her personality and knowledge of our area (Smith Creek). She went over and above our expectations and our understanding of the duties of a REALTOR. She is very considerate of her client's needs. We would highly recommend her without any hesitation! N & P Bell."

"I was VERY happy with Karen's service. I know a lot of REALTORS and chose Karen because of the great things I had heard about her service. B. Irving."

Thank you so much to you both - you know who you are!

Receiving these wonderful thoughts is what makes my career in Real Estate worth every minute of all the hard work and effort it takes to be successful.

until next time...

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

West Kelowna Estates - What a stunning Renovation! - Must See

2010-09-27T11:52:00.000-07:00

MUST SEE! Beautifully renovated 4 level split West Coast Contemporary home in sought after West Kelowna Estates. Perfect for entertaining, this home boasts a 24 x 13 kitchen with an over-sized island, a huge 785 sq.ft deck with a peek-a-boo lake view. This .25 acre very private yard is within walking distance to Rose Valley Elementary and Regional Park Hiking Trails. With over $100k in renovations (new windows, doors, skylights, roof, gas fireplaces, furnace, hot water tank, kitchen, sewer, deck, painted inside and out, new flooring, fixtures, and landscaping) this house is move in ready. With so many custom extras, this home is truly a must see! Approx. 2390 sq.ft with 4 bedrooms, 2 bathrooms, RV parking and parking for 5 cars. For more details on this fabulous renovation, go to http://www.connectwithkaren.com/
and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 @ 250.768.8001 or 250.878.3605. MLS® 10016073.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Wow - One Bedroom Condo at Big White - The time is NOW

2010-09-27T11:40:00.000-07:00

Top floor one bedroom inside unit over looks the indoor pool (one of the only buildings that has an indoor pool up at Big White) and hot tub. Great revenue potential ($1,400.00 approx. / month) or use as your own little getaway. True ski in-ski out. Turn-key operation; includes one parking stall, storage closet and ski locker. For more details and photo's and virtual tour go to http://www.connectwithkaren.com/
and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. $99,900.00.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

The Lakes ~ Price Reduced ~ Good Value for this Custom Built Rancher

2010-09-27T11:32:00.000-07:00

3400 sq.ft. 5 bedroom rancher with fully finished entertainment size basement is what you’ve been looking for. Quiet peaceful setting nestled in the hills of Lake Country but yet 10 minutes to town & amenities. This custom built home has many features from the aggregate stone driveway with inlay to the automated irrigation system on the deck – never water your planters again! Gourmet kitchen is a dream. Granite, stainless and loads of cupboards and pantry. Great entertaining area. Master is complete with glass sliding doors to deck along with large walk-in closet, corner shower and double vanity, & soaker tub complete with TV. Quality finishing throughout – cherry Brazilian hardwood, granite and slate, hardi plank exterior complete with texturized flooring in garage. For more details & photo's & virtual tour go to http://www.connectwithkaren.com/
and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Smith Creek Charmer - Beautifully Decorated - Warm & Pleasing Colors!

2010-09-27T11:25:00.000-07:00

Wonderful Smith Creek location. This 2,200 sq.ft. grade level entry home built by Destination homes in 2006 (still under warranty) has lovely finishings, unique touches & warm & welcoming colors. Double vaulted ceilings & open concept kitchen/living/dining area upstairs is a delight. Pantry in the kitchen & lots of cupboard space make this a great entertaining & very functional kitchen. Huge island with eating bar as well! Beautiful mantle surrounding fireplace upstairs. Hardwood flooring through-out, lots of windows, & a deck overlooking the valley just perfect for Okanagan living at its finest. 3 bedrooms up, full bath & master has large walk-in an& d 4 piece ensuite. Roughed-in for built-in vacuum & bathroom down, double car garage, RV parking, & nicely landscaped backyard as well. For more details & photo's go to http://www.connectwithkaren.com/
and call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10012497.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Excellent Family Home in Shannon Lake ~ steps to Elementary School

2010-09-27T11:19:00.000-07:00

Don’t miss your opportunity to move into one of the most desirable neighbourhoods in West Kelowna ~ Shannon Lake ~ This home is sure to please. Conveniently located walking distance to Shannon Lake Elementary, is in a cul-de-sac location and is close to community parks and Shannon Lake Regional Park. This home is 2,200 sq.ft. with 3 bedrooms, 3 baths plus huge bonus room above garage (4th bedroom), open concept kitchen, main floor den or office plus a full 1000 sq.ft. of unfinished area to develop. Media room anyone? Family room for the kids?? Nice level pool size corner lot, double car garage along with the potential for RV parking complete this package. This is a great family home. For more details and photo's and virtual tour go to http://www.connectwithkaren.com/
and then call Karen Guy, Coldwell Banker Horizon Realty #101 - 3500 Carrington Road, Westbank BC V4T 3C1 at 250.768.8001 or 250.878.3605. MLS®10012488.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

West Kelowna ~ Best Value in Copper Sky!

2010-09-27T11:15:00.000-07:00

Assignment of contract ~ one bedroom, one bathroom unit at Copper Sky. Just over 600 sq.ft. of living space PLUS deck with awesome lakeview. This unit is in Phase 1. Prime location in building. Includes 5 appliances. For more details, photo's and virtual tour go to http://www.connectwithkaren.com/
or call Karen Guy, Coldwell Banker Horizon Realty at 250.768.8001 or 250.878.3605. MLS 9219753.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

West Kelowna Realtor Karen Guy

2010-09-14T15:08:00.001-07:00

Low Mortgage Rates Boost August Home Sales

Vancouver, BC – September 14, 2010. The British Columbia Real Estate Association (BCREA) reports that Multiple Listing Service® (MLS®) residential sales in the province declined 35 per cent to 5,590 units in August compared to the same month last year. On a seasonally adjusted basis, MLS® residential unit sales in the province increased 7 per cent in August from July 2010. The average MLS® residential price climbed 4 per cent to $487,804 in August compared to the same month last year.

"August home sales posted the first month-to-month increase since March of this year,” said Cameron Muir, BCREA Chief Economist. “Lower mortgage interest rates and an improving labour market are inducing additional consumer demand."

"The number of new residential listings in the province has fallen 30 per cent since April,” added Muir. “With fewer new listings, total active listings are now on the decline, signaling that an end to the buyer’s market may be on the horizon."

Year-to-date, BC residential sales dollar volume increased 8 per cent to $26.9 billion, compared to the same period last year. Residential unit sales rose 2 per cent to 53,717 year-to-date, while the average MLS® residential price climbed 10 per cent to $501,226 over the same period.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

2010-09-09T10:18:00.000-07:00

OPEN HOUSE TODAY (Thursday)

12852 Apex Drive "The Lakes" in Lake Country
Thursday September 9th, 2010 5-7 pm.
Stop by for some refreshments and view this lovely property!

See photo's below, and visit my website for more details.

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Kelowna Real Estate ~ Custom Rancher Walk-out in Lake Country

2010-07-21T13:41:00.000-07:00

Just Listed ~ $729,000

View all details of this custom 3400 sq.ft. rancher walk-out on my website

custom design, top of the line everything, executive master suite, plus plus plus

12852 Apex Drive
Lake Country ~ "The Lakes"

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Social Media Revolution ~ this is a must see

2010-07-16T14:11:00.000-07:00

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

KELOWNA REAL ESTATE EDUCATION ON VACATION

2010-06-19T13:37:00.000-07:00

I just came back on the 5th of June from a wonderful part holiday / part Real Estate work conference. I took a week long Education cruise to Alaska on Holland America with about 50 other REALTORS®. What an amazing experience and a truly great group of people I met. The talent of the speakers aboard the cruise who taught our courses was exceptional ~ kudo's to you, and cheers to everyone aboard who helped make this such a memorable event. We took a helicopter ride up into the Graciers in Juneau (we drank fresh glacier water), we went on the White Pass Summit Railway in Skagway and took an amphibeous vehicle tour through the streets of Ketichan, and then into the ocean to see the most spectacular site of eages that I have ever seeen.! Here's a few pictures.

Enjoy!

Karen Guy, REALTOR® I am the GUY that will make a difference! Coldwell Banker Horizon Realty C 250.878.3605 O 250.768.8001 http://www.connectwithkaren.com/

Happy Mother's Day ~ this is so true, enjoy!

2010-05-09T08:44:00.000-07:00

Are you a mean mum, I know mine was, and now I am AND I love her for it

Mean Moms

it's worth the read......trust me :-)

Someday when my children are old enough (two of mine are now and it's so great that they actually comprehend this message) to understand the logic that motivates a parent, I will tell them, as my Mean Mum told me:

I loved you enough . . .

To ask where you were going, with whom, and what time you would be home.

I loved you enough to be silent and let you discover that your new best friend was a creep.

I loved you enough to stand over you for two hours while you cleaned your room, a job that should have taken 15 minutes.

I loved you enough to let you see anger, disappointment, and tears in my eyes. Children must learn that their parents aren't perfect.

I loved you enough to let you assume the responsibility for your actions

Even when the penalties were so harsh they almost broke my heart.

But most of all, I loved you enough . .

to say NO when I knew you would hate me for it. Those were the most difficult battles of all. I'm glad I won them, because in the end you won, too. And someday when your children are old enough to understand the logic that motivates parents, you will tell them.

Was your Mum mean? I know mine was. We had the meanest mother in the whole world! While other kids ate candy for breakfast, we had to have cereal, eggs, and toast. When others had a Pepsi and a Twinkie for lunch, we had to eat sandwiches. And you can guess our mother fixed us a dinner that was different from what other kids had, too. Mother insisted on knowing where we were at all times. You'd think we were convicts in a prison. She had to know who our friends were, and what we were doing with them. She insisted that if we said we would be gone for an hour, we would be gone for an hour or less. We were ashamed to admit it, but she had the nerve to break the Child Labor Laws by making us work. We had to wash the dishes, make the beds, learn to cook, vacuum the floor, do laundry, empty the trash and all sorts of cruel jobs. I think she would lie awake at night thinking of more things for us to do.

She always insisted on us telling the truth, the whole truth, and nothing but the truth. By the time we were teenagers, she could read our minds and had eyes in the back of her head. Then, life was really tough!

Mother wouldn't let our friends just honk the horn when they drove up. They had to come up to the door so she could meet them. While everyone else could date when they were 12 or 13, we had to wait until we were 16.

Because of our mother we missed out on lots of things other kids experienced. None of us have ever been caught shoplifting, vandalizing other's property or ever arrested for any crime. It was all her fault. Now that we have left home, we are all educated, honest adults.. We are doing our best to be mean parents just like Mum was. I think that is what's wrong with the world today. It just doesn't have enough mean mums!

in loving memory of Margaret Ann Guy, today tomorrow and always. :-) missing you, especially today, but everyday.

Karen Guy, REALTOR®
I am the GUY that will make a difference! Coldwell Banker Horizon Realty
C 250.878.3605 O 250.768.8001
http://www.connectwithkaren.com/

Karen Guy Shannon Ridge West Kelowna Realtor

2010-04-28T16:14:00.000-07:00

Karen Guy, REALTOR®

I am the GUY that will make a difference!Coldwell Banker Horizon Realty

C 250.878.3605O 250.768.8001

http://www.connectwithkaren.com/

Bowl for Kids Sake - Kelowna - Karen Guy

2010-03-26T15:24:00.000-07:00

Join me in helping Big Brothers and Sisters! Please give a little donation - a little does a lot!
http://blba.us/i.asp?id=332070-283972289-1
Thank you. :-)

Karen Guy, REALTOR®
I am the GUY that will make a difference!
Coldwell Banker Horizon Realty
C 250.878.3605
O 250.768.8001
http://www.connectwithkaren.com/

February Home Sales Strong in Kelowna Despite Olympic Fervor

2010-03-12T11:53:00.000-08:00

For immediate release

Vancouver, BC – March 11, 2010. The British Columbia Real Estate Association (BCREA) reports that Multiple Listing Service® (MLS®) residential sales in the province climbed 63 per cent to 5,955 units in February compared to the same month last year. On a seasonally adjusted basis, MLS® residential unit sales in the province declined 13 per cent compared to January 2010.

“Home sales continued to moderate in February after the record pace of the fourth quarter.” said Cameron Muir, BCREA Chief Economist. “However, February’s performance was better than expected considering many households were preoccupied with Olympic gold."

The BC residential sales dollar volume increased 91 per cent to $2.96 billion in February compared to the same period last year. The average MLS® residential price climbed 17 per cent to $497,807 over the same period.

"Low mortgage interest rates are continuing to underpin consumer demand and fuel first-time homebuyer activity,” added Muir. “Improving economic conditions are expected to bolster consumer confidence over the coming months.”

For the complete news release, including detailed statistics, follow this link: www.bcrea.bc.ca/news_room/2010-02.pdf.

Karen Guy, REALTOR®
I am the GUY that will make a difference!
Coldwell Banker Horizon Realty
C 250.878.3605
O 250.768.8001
http://www.connectwithkaren.com/

Taxation Update - How will it affect Kelowna home owners!!

2010-03-10T08:00:00.000-08:00

On March 4, 2010, Finance Minister James Flaherty presented the 2010 Federal Budget which contains several measures of interest to Investors Group and its clients. This summary contains highlights of these proposals, which are not yet law. Clients should contact their Investors Group Consultant for information on how these proposals may affect their financial plans.

Parental Government Benefits – Shared Custody

Currently, when parents share custody of a child, only one individual can receive the Canada Child Tax Benefit (CCTB) and Universal Child Care Benefit (UCCB) amounts in a particular month and the child component of the GST/HST credit in respect of a particular quarter. The Budget proposes to allow two eligible individuals to receive CCTB and UCCB amounts and to receive GST/HST credit amounts when a child lives more or less equally with two individuals who live separately. These individuals will each receive 50% of the annual entitlements effective for benefits payable starting in July, 2011.

Universal Child Care Benefit for Single Parents

The Universal Child Care Benefit (UCCB) is $100 per month for every child under the age of 6 years. For parents in a married or common-law relationship, this payment is taxable to the spouse with the lower income. Single parents are required to include the amount in their income and effectively be taxed at their marginal tax rate. The Budget proposes to allow a single parent receiving the benefit the option to include all amounts received under the UCCB in either the parent’s income or in the income of the child for whom an Eligible Dependant Credit is claimed. If included in the income of the child, this will reduce the Eligible Dependant Credit the parent can claim. If the single parent is unable to claim an Eligible Dependant Credit, he or she will have the option of including the aggregate UCCB amount in the income of one of the children for whom the UCCB was paid.

Measures Affecting Stock Options

Repeal of Stock Option Tax Deferral for Publicly Traded Securities - If an employee acquires a share of his or her employer’s corporation under a stock option agreement, the difference between the fair market value of the share at the time the option is exercised and the amount paid by the employee to acquire the share is taxable as employment income in the year the option is exercised. If certain conditions are met, the employee is also entitled to a stock option deduction equal to one-half of the employment benefit, which results in the taxation of stock options at capital gain like tax rates. Since the year 2000, employees exercising stock options of publicly traded companies could elect, within limits, to defer the taxation of employee stock option benefits until the year in which the shares were sold. This election was available on up to $100,000 of options vesting in a particular year (based on the option strike price). The purpose of this measure was to reduce the incidence of employees being forced to sell shares of their employer in order to pay the income tax triggered by the exercise of the option. The Budget proposes that this tax deferral election be repealed with respect to options exercised after 4:00 PM Eastern Standard Time on March 4, 2010.

Relief for Tax Deferral Elections – Some taxpayers who took advantage of the tax deferral election on stock options (introduced in the 2000 Federal Budget) have experienced declines in the value of their optioned shares to the point that the value of their shares is less than the tax liability that would be owing should they decide to sell the optioned shares. To provide relief, the Budget proposes an elective tax treatment that would limit the tax liability on the employee stock option benefit to the proceeds realized from the disposition of the shares. Individuals who disposed of optioned shares prior to 2010 will have to make an election for this special tax treatment on or before the filing due date for 2010 (generally April 30, 2011). Individuals who have not disposed of their optioned shares must do so before 2015 in order to be eligible for this elective tax treatment.

Stock Option Cash Outs – As outlined above, the 50% stock option deduction results in the taxation of employee stock option benefits at capital gain like tax rates. Unlike other remuneration paid to employees, the corporate employer does not get a deduction for the stock option benefit if the employee exercises the option to acquire shares. However some stock option plans have been structured to provide the employee with the option of receiving cash instead of shares at the time of exercise. In situations where the employee elects to receive cash, under the existing law, it is possible for the employer to deduct the payment made to the employee and for the employee to also claim the 50% stock option benefit deduction. For options exercised after 4 p.m. EST Time on March 4, 2010, the Budget proposes measures to prevent both the 50% stock option deduction and a deduction by the employer from being claimed for the same stock option employment benefit.

US Social Security Benefits

The Budget proposes that Canadian residents who started receiving U.S. Social Security benefits prior to 1996, and who have continuously received those benefits since that time, must only include 50% of those benefits received on or after January 1, 2010 as taxable income. These rules may also apply to survivors.

Canadian residents who started to receive benefits on or after January 1, 1996 must continue to report 85% of the benefits received as taxable income as per the Canada-US Tax Convention.

Scholarship exemption

Currently, post-secondary scholarships, fellowships, and bursaries are fully exempt from tax. The Budget proposes to make post-doctoral fellowships taxable. The Budget also proposes that if the educational program is part-time and the student is not disabled, then the exemption will be limited to the amount of tuition paid for the program plus the costs of program-related materials. These measures will apply to the 2010 and subsequent taxation years.

Medical Expense Tax Credit

The medical expense tax credit provides a non-refundable tax credit for eligible medical expenses that exceed the lesser of the annual threshold ($2,024 for 2010) and 3% of net income. The credit is calculated by multiplying the lowest personal tax rate (currently 15%) by the amount that exceeds the lesser threshold.

The Budget proposes that expenses incurred for purely cosmetic procedures (including related services and other expenses such as travel) would not be considered eligible medical expenses for the purposes of this credit. Purely cosmetic procedures would generally include surgical and non-surgical procedures purely aimed at enhancing the individual’s appearance. A cosmetic procedure that is required for medical or reconstructive purposes will continue to qualify for the medical expense tax credit. This measure will apply to expenses incurred after March 4, 2010.

Registered Disability Savings Plan changes

A Registered Disability Savings Plan (RDSP) allows families and friends to save for the long-term financial security of a person with a severe disability. Where an RDSP has been established for an eligible beneficiary and their family meets certain income tests, the government may contribute Canada Disability Savings Bonds (CDSBs) of up to $1,000 annually ($20,000 lifetime). Where eligible contributions are made, the government may also contribute Canada Disability Saving Grants (CDSGs) of up to $3,500 annually ($70,000 lifetime) to the plan.

CDSG and CDSB room will now carry forward - Currently, if a contribution is not made or an RDSP is not established during a year of eligibility, the CDSG and CDSB “room” for that year is lost. The Budget proposes to allow CDSG room and CDSB room to carry forward for up to 10 years. The amount of the CDSG and CDSB that will be awarded in any given year will be based on the family income during each of the prior 10 years (but not before 2008, the year RDSPs became available). There is no limit on the CDSB amount that can carry forward, but CDSG will only be paid on unused entitlements up to an annual maximum of $10,500. The carry forward will be available starting in 2011.

Rollovers from RRSPs/RRIFs to RDSPs - Currently, upon an individual’s death, if their RRSP/RRIF proceeds are payable to the individual’s financially dependent infirm child or grandchild, they can be transferred to that child or grandchild’s own RRSP/RRIF on a tax-deferred basis. The Budget proposes to extend these rollover provisions to include transfers to the child or grandchild’s RDSP. The amount transferred to the RDSP would count against the RSDP beneficiary’s lifetime $200,000 contribution limit, but these “rollover contributions” would not be eligible to receive the CDSG and would be taxable when withdrawn. These measures will be effective for deaths occurring on or after March 4, 2010. Special transitional rules will apply for deaths that occurred after 2007 (when RDSPs became available) and before 2011, effectively allowing the proposed measure to apply as of January 1, 2008. To allow time for financial institutions and the government to adjust their RDSP systems, RDSP contributions benefiting from the proposed RRSP/RRIF rollover measures cannot be made before July, 2011.

Requirement to Report Aggressive Tax Planning Transactions

The Budget introduces proposals requiring taxpayers to report aggressive tax planning transactions. Under the proposals, a reportable transaction is defined as a tax avoidance transaction that bears at least two of the following three hallmarks:

1. The promoter or tax advisor is entitled to fees that are contingent on the tax results achieved or the number of participants;

2. The promoter or tax advisor requires “confidentiality protection” in respect of the transaction; and

3. The taxpayer or the person who entered into the transaction for the benefit of the taxpayer obtains “contractual protection” in respect of the transaction.

Discovery of a reportable transaction that has not been reported could result in the denial of the tax benefit resulting from the transaction. If the taxpayer elects to claim the tax benefit, a penalty for not reporting the transaction would apply. Subject to modifications from public consultations, these proposals would apply to avoidance transactions entered into or completed after 2010.

Investors Group Financial Services Inc.

This report specifically written and published by Investors Group is presented as a general source of information only, and is not intended as a solicitation to buy or sell specific investments, nor is it intended to provide legal or tax advice. Clients should discuss their situation with their Consultant for advice based on their specific circumstances.

Karen Guy, REALTOR®
I am the GUY that will make a difference!
Coldwell Banker Horizon Realty
C 250.878.3605
O 250.768.8001
http://www.connectwithkaren.com/

Eagle Terrace - Karen Guy - West Kelowna Realtor

2010-02-22T10:23:00.001-08:00

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605
O 250.768.8001
http://www.connectwithkaren.com/

Flaherty moves to toughen mortgage rules for West Kelowna home owners

2010-02-16T13:03:00.000-08:00

By CBC News

Finance Minister Jim Flaherty announced new rules Tuesday aimed at preventing homebuyers from getting into financial difficulty when mortgage rates rise. After consulting with major Canadian lenders, Flaherty outlined the latest weapons at Ottawa's disposal aimed at removing some of the speculative froth in the housing market. "There is no...

Click here to view this content.

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605
O 250.768.8001
http://www.connectwithkaren.com/

2010-02-14T15:32:00.000-08:00

I got this from a friend today, and it took me a few seconds to see the seal - too funny, thought I would share!

there's always someone being a wise-guy in a photo :-)

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605
O 250.768.8001
http://www.connectwithkaren.com/

2010-02-14T12:54:00.000-08:00

Valentine's Dessert

Chocolate-Berry Cheesecake

Prep Time: 18 min

Total Time: 3 hours 50 min

Makes: 15 servings

1 box Betty Crocker® SuperMoist® chocolate fudge cake mix
1/2 cup butter or margarine, softened
2 packages (8 oz each) cream cheese, softened
1 container (6 oz) Yoplait® Original 99% Fat Free red raspberry yogurt
1 container Betty Crocker® Rich & Creamy chocolate frosting
3 eggs
1 1/2 cups sliced strawberries
1/2 cup blueberries
1 can (21 ounces) strawberry pie filling

Directions:

1. Heat oven to 325°F. Grease or spray bottom only of 13x9-inch pan.

2. In large bowl, beat cake mix and butter with electric mixer on low speed until crumbly; reserve 1 cup. Press remaining crumbly mixture, using floured fingers, in bottom of pan.

3. In same bowl, beat cream cheese, yogurt and frosting on medium speed until smooth. Beat in eggs until blended. Pour into pan. Sprinkle with reserved crumbly mixture.

4. Bake 40 to 45 minutes or until center is set. Cool 30 minutes. Refrigerate at least 2 hours until chilled. Just before serving, stir strawberries and blueberries into pie filling. Top each serving with berry mixture. Store covered in refrigerator.

High Altitude (3500-6500 ft): Heat oven to 350°F. At end of step 2, prebake crust about 10 minutes.

yum! ~ and easy too :-)

Karen Guy, REALTOR®
Coldwell Banker Horizon Realty

C 250.878.3605
O 250.768.8001
http://www.connectwithkaren.com/

What the HST means for Home Buyers in Kelowna and West Kelowna

2010-02-08T11:20:00.000-08:00

Here is an informative article from the British Columbia Real Estate Association,
Enjoy,
Karen Guy

The British Columbia Real Estate Association and its members are concerned that home buyers and sellers, particularly buyers of new homes, will bear most of the burden associated with the proposed Harmonized Sales Tax (HST).

The cost of real estate transactions will increase on July 1, 2010 with the introduction of the new HST. The people of BC will be particularly affected since our province has some of the highest priced real estate in the country. Approximately 40% of all real estate transactions in BC involve sales priced over $400,000, the original threshold for an HST rebate.

On November 18, 2009 the provincial government announced the HST transitional rules on housing which includes a threshold increase from $400,000 to $525,000, moving the threshold to above the median new home price in the province. According to the government news release announcing the transitional rules, the limit was increased due to feedback from consumers and the industry. To read the news release and backgrounder click here.

For more information and to see the Residential Housing New Housing Rebates and Transitional Rules for BC click here.

The effect of the HST will also be to introduce a new tax on most services provided by GST/HST registrants in BC. As such, service-providers like REALTORS®, home inspectors, and appraisers will be required by government to collect and remit 12% HST on their fees.

The bottom line is that the proposed HST will increase the cost of buying and selling all property and it will have a much greater impact on the purchase of newly-built homes. Almost 60 per cent of the average family's household income is required to cover home ownership costs. If the HST is implemented as planned, they'll be paying even more.

Karen Guy
West Kelowna Real Estate Agent
http://www.connectwithkaren.com/
Cell:(250)878-3605
Office:(250)-768-8001

Purchasing a home in West Kelowna

2010-01-25T12:23:00.000-08:00

Congratulations!

You have decided to purchase a home in Kelowna.

You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.

When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step; to help you determine which home is right for you.

You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Please contact me if you have any questions about buying or selling a home. My priority is to provide you with the ultimate service that will continue to make me your real estate agent of choice not just for today but tomorrow and always.

I am the GUY that will make a difference!

Karen Guy
West Kelowna Real Estate Agent
http://www.connectwithkaren.com/
(250) 878-3605

Are you currently looking for a REALTOR® for the first time in Kelowna?

2010-01-25T12:11:00.000-08:00

Are you currently looking for a REALTOR® for the first time?

Are you in the process of choosing a new one?

I would be honoured to be considered.

I am happy to provide further information so you can make an informed and educated decision in choosing the right Realtor® that will not only meet your expectations but exceed them.

Located in Kelowna, Coldwell Banker® Horizon Realty is a firm that I chose to work with so I may offer my real estate clients greater value. I was looking for that extra something special and I found that edge with Coldwell Banker’s “Ultimate Service Program®” and their award winning track record.

I am a graduate of the Canadian Securities course which enhances my ability to assist you in making solid buying or selling decisions about the place you call home.

My priority is to provide you with the level of service that will continue to make me your REALTOR® of choice not just for today, but tomorrow and always.

My Business Philosophy

My philosophy is to provide the best possible service and do it with honesty and integrity.

I believe that when you say you are going to do something; follow through and do it....if you are unable to do so in a reasonable timeframe – communicate.

I believe that when asked a question and you don’t have the answer – don’t fake it by telling people what you think they want to hear.

I endeavor to find the answer and get back to our clients promptly.

If this philosophy is one that sparks your interest, please review the testimonial section of my web-site and let my clients tell you more about me.

I specialize in selling homes in the in the Okanagan Valley including Westbank, West Kelowna, Peachland with a focus on Rose Valley, Lakeview Heights, West Kelowna Estates and Shannon Lake.

Please contact me if you have any questions about buying or selling a home. My priority is to provide you with the ultimate service that will continue to make me your real estate agent of choice not just for today but tomorrow and always!!!

Karen Guy

West Kelowna Real Estate Agent

http://www.connectwithkaren.com/
(250) 878-3605

A Message from your Real Estate Professional:

2010-01-11T10:12:00.000-08:00

During this time of the year I always like to think back and reflect on life a little more than usual. I’ve had this book at home for quite some time and I recently came across it – it’s called The Simple Living Guide by Janet Luhrs. One of the very first chapters lists 28 secrets to happiness. I won’t list them all, but here are a few and definitely gives us plenty to think about.

• Live beneath your means and within your seams
• Donate blood
• Don’t make excuses
• Stop blaming other people
• Give all the clothes you haven’t worn in the last three years to charity
• Listen more, talk less
• Every day do something nice and try not to get caught
• Be on time
• Don’t argue
• Get organized
• Let someone cut ahead of you in line
• Be humble
• Re-read a favourite book
• Know when to say something; know when to keep your mouth shut
• Be kind to kind people
• Be even kinder to unkind people

As you socialize with more people than at any other time of year, think of me when the topic of real estate comes up. The market changes daily from one community to another. My report will keep you abreast of the overall market trends and your community activity. For specific questions unique to you, call me. I'm available to answer your questions and to help in any way that I can. Have a safe and wonderful holiday season.

PS – Feel free to forward this email to anyone you know who might be investigating the market. I’ll be happy to provide detailed information catered to specific needs or questions. Also, if you know of anyone that would like to have a business featured in my e-newsletter, please contact me.

Selling Your Home in West Kelowna

2010-01-11T10:05:00.000-08:00

Well, you’ve finally made the decision to sell!!!

But now where do you turn or who do you call?

Choosing the right REALTOR®, is the first important decision to make.

Take the time to interview and ask questions. Choosing the wrong REALTOR® can lead you down a path of frustration and worries. Who has time for that?

Let’s face it your home is probably your most valuable asset.

You need a REALTOR®, who is invested in the process of looking after your best interests, you need someone you can depend on and trust to give you consistent and accurate information.

That person is me, Karen Guy.

I work very hard to make sure the selling experience for you is a positive and stress free one.

In today’s real estate market simply signing a listing contract and putting a sign up on the front lawn just isn’t enough to achieve results and satisfy today’s savvy home seller.

There are more listings on the market now than there have been in the recent past. Both networking and the ability to be technologically advanced play key roles in the successful sale of properties. I aim to keep my clients ‘in the loop’ with informative and consistent communication.

I have an effective and recognizable marketing program that will help you get the results you are looking for. Keep in mind that at this time of year a lot of people will contemplate selling their home now that the Christmas season is behind us. This means there will be more competition out there. I will help you price your home according to today’s market.

If you are interested in selling your home and decide to interview a REALTOR®, I would be honored to be considered.

Please contact me if you have any questions about selling your home in the Okanagan Valley including Westbank, West Kelowna or Kelowna British Columbia, Peachland, Summerland.

My priority is to provide you with the ultimate service that will continue to make me your real estate agent of choice not just for today but tomorrow and always.
I am the GUY that will make a difference!