Page 20 The Review, Thursday, November 22, 2012
Keremeos’ only Realtors born & raised in the area!
ASK ABOUT OUR COURTESY VAN FOR YOUR MOVING DAY! 2616 HWY 3, KEREMOES $169,900 * 3 bedroom home with fenced yard * garage/workshop and greenhouse! MLS®
“NEW PRICE!”
“NEW LISTING!”
1480 HWY 3A, OLALLA $144,900 * Almost 1/2 acre, detached garage * 2 bedrooms, laminate flooring, fruit trees. MLS® 524 INNIS PLACE, KEREMEOS $255,000 * 3 bed, 2 bath with private yard * double garage, beautiful shed, hot tub! MLS®
“NEW PRICE!”
#24 - 1514 HWY 3A, OLALLA $91,000 * 2 bdrm home, carport & great back yard! * lots of storage, hobby room & more! MLS®
133 - 4354 HWY 3, KEREMEOS $175,000 * park model in gated community * ownership, clubhouse, pool, ask! MLS® 830 3RD AVENUE, KEREMEOS $274,000 * 3 bdrm, 2 bath, double garage! * Close to schools, nice size yard. MLS® LOT 5 COULTHARD RD, CAWSTON $197,000 * over 4 acres * start from scratch & make it what you want! MLS®
# 204 - 254 SCOTT AVE., PENTICTON $262,000
* 2 bed, 2 bath 55+ condo * u/g parking, great views, central. MLS®
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“NEW LISTING!”
D
SOL
2100 MAIN ST., CAWSTON $239,000 * 2 bed, 2 bath 1,300 sq. ft home, detached garage * Large lot, vaulted ceiling in kitchen, easy to show. MLS® LOT 103 - 4354 HWY 3, KEREMEOS $65,000 * Riverside RV Resort Community! * please call for a tour or more info. MLS® LOT 100 - 4354 HWY 3, KEREMEOS $75,000 * Riverside RV Resort! * Pool, clubhouse, hot tub, laundry, walk-ways, and more. MLS®
“NEW PRICE!”
“NEW PRICE!”
2593 HWY 3, KEREMEOS $229,000 * 2 bdrm home, almost an acre! * No Zoning, land is ready for any use you want MLS®
“YOUR OWN LAND”
2108 MAIN ST., CAWSTON $479,000 *Commercial sized garage *almost 1/2 acre 5 bed, 4 bath MLS® 3470 RIVER ROAD, KEREMEOS $299,000 * 5 acres Riverfront * approx. 500 apple trees planted MLS®
“NEW PRICE!”
988 DALY DR., HEDLEY $159,500 * 2 bdrm, 1,000 square foot home * detached garage & nice yard! MLS®
422 10TH AVENUE, KEREMEOS $159,000 * full basement with summer kitchen * private back yard! MLS®
5717 BRIDESVILLE TOWNSITE ROAD, BRIDESVILLE $95,000 * Cute affordable home with shed * Newer roof, nice flooring & windows! MLS® 336 BEECROFT RIVER ROAD, CAWSTON $570,000 * 5 acres * 5 bed, 4 bath (suited ) MLS® 1872 BARCELO RD, CAWSTON $1,150,000 * 10 ac. best benchland * Organic orchard, great house! MLS®
310 HWY 3, KEREMEOS $1,800,000 * Viable 30 unit Motel * 2 bedroom manager’s suite! MLS®
Greg 250-499-6583 Tuesday 250-499-6585 T/F 1-866-499-5327 Greg ext#3 Tuesday ext#5
LOCATIONS WEST REALTY #638 - 7th Ave., Keremeos
mcdonalds@keremeos-ok.com www.royallepage.ca/gregmcdonald
Fax 250-499-5372
Joan McMurray Associate Broker Cell: 250-499-9444 T/F: 866-922-9444
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Helping you is what I do!
COMBO PACK!
wow price!
#610 – 7th Avenue, Keremeos - Land & building for $110,000. Add coffee shop equipment for $10,000. Add bakery equipment for $49,000. Upgrades to all systems, turnkey operation – all in place to open next week. MLS®#136884
#1425 Main Street S., Olalla - Two garages, green house, potting shed, fenced yard. 1330 s/f rancher with sunroom & covered back deck. Numerous fruit & shade trees; fenced yard, double lot. Excellent retirement property! $199,000 MLS® #137976
huge shop!
price cut!
#15 Ashnola Road, Keremeos - Searching for the perfect set-up? Updated rancher home with rental/guest suite PLUS huge workshop. Berries, walnuts & filberts. Huge garden area, prune & peach trees too. $399,000 MLS® #136878
#8 Victoria Pines M.H. Park, Hwy 3A: s/w unit at the top of the park. Front kitchen, cathedral ceiling, 2 beds & large bath. Carport, onsite RV parking. Hidden side yard, landscaped, huge front deck. $79,000 MLS®139605
2 homes!
Just right!
#310 VLA Road, Cawston - Beautifully set up property for horses. Fenced and cross fenced with smooth wire, loafing shed & hay storage. Main residence – 2008 2 bed/2 bath S/W mobile with front porch entry & rear deck. Second home – 1152 s/f cottage with loft, currently rented. Landscaped. $509,500 MLS® #139291/92
#612 – 4th Street, Keremeos - Walk to everything from this location. Great home for retirement - 2 beds/2 baths. New kitchen cabinets, vinyl windows, WETT certified wood stove, updated electric heat. Triple lot with great garden space, storage shed and gazebo. $207,500 MLS® #139915
35 MORE LISTINGS AT www.joanmcmurray.com
Locations West Realty Ltd. #638 - 7th Avenue, Keremeos, BC
Common-law couples – 10 financial factors you need to know Common-law couples – 10 financial factors you need to know If you’re in a common-law relationship, it’s becoming more “common”. The latest Census figures show that the number of Canadian common-law couples rose 13.9% between 2006 and 2011 – that’s about 4 ½ times the rate of growth for married couples (at 3.1%)1. Your professional advisor can tell you the specific financial issues relating to common-law relationships. Here are 10 to consider: 1. According to the federal Income Tax Act, a couple is considered to be in a common-law relationship if they have lived together in a conjugal relationship for a period of twelve months or have lived together for a shorter time but are raising a child together. For income tax purposes, they are treated the same as a married couple. 2. If you meet the test for being considered a common-law couple under the Income Tax Act (Canada), be sure to file your income tax returns as a couple. Filing as individual could result in consequences related to filing a false return, and could also potentially result in the loss of various federal benefits, including the CPP survivor benefit. 3. The law in many provinces does not give commonlaw couples the same rights as married couples. For example, in Alberta, New Brunswick, Newfoundland, Nova Scotia, Ontario, Prince Edward Island, Québec and the Yukon, common-law partners whose relationship breaks down do not have any statutory right to a division of property, no matter how long they have lived together. 4. You and your common-law partner should discuss how you will reconcile your individual financial objectives, resources and obligations should your relationship come to an end. Consider writing down your intentions regarding a potential division of assets in a cohabitation agreement. Attach your agreement to a list of each partner’s assets and personal effects. 5. Discuss how much you expect to spend, save and invest and who will manage your shared finances, including paying the bills and splitting household expenditures. 6. Make sure you each have a valid will that reflects your rights to property division in your province of residence. Given the frequency of changes in the law in this area, it’s crucial that you speak to your legal and financial advisors regularly and update as required. 7. Review and revise as necessary the beneficiaries for your life insurance policies and registered investment plans.
MANAGING Your Money 8. Designate a power of attorney to act for you should you become mentally incompetent. 9. If you have children from a previous relationship, be sure that they are included in your estate plan. Leaving everything to your new spouse through direct beneficiary designations could inadvertently disinherit your children. You should speak to your legal and financial advisors to ensure your children are covered. 10. Don’t make the ‘common’ mistake of solving all your financial complexities on your own. Professional financial and legal advisors can also be your effective partner in achieving all your life goals.
1The Daily, Wednesday, September 19, 2012 – 2011 Census of Population: Families, households, marital status, structural type of dwelling, collectives -- http://www.statcan.gc.ca/daily-quotidien/120919/ dq120919a-eng.htm This column, written and published by Investors Group Financial Services Inc. (in Québec – a Financial Services Firm), and Investors Group Securities Inc. (in Québec, a firm in Financial Planning) presents general information only and is not a solicitation to buy or sell any investments. Contact your own advisor for specific advice about your circumstances. For more information on this topic please contact your Investors Group Consultant.