HOW TO
GUIDE
2013
YOUR GUIDE TO MAKING WISE PURCHASING DECISIONS
HOW TO GUIDE 2013 1
1
#
THE
CHRYSLER DODGE JEEP VOLUME DEALERSHIP IN THE INTERIOR
PR IS E E NT E R
CHRYSLER JEEP DODGE
It Has A r ed! r iv bello!
vittoria - bravo!
x
BANKS ROAD
LEATHEAD RD.
HWY. 97 N.
Y A W
861-1040 • 2690 HWY 97 N. www.okanagandodge.com
HOME DEPOT
DL #30539
THE FIAT 500
Central B.C.’s Only Fiat Dealership
ale!
n funzio
5 THINGS
YOU NEED TO KNOW… • Ask your local dealer for brochures on the latest new vehicles • Drive a few cars before making your buying decision • Check comparable vehicle insurance rates before buying • Research vehicle safety • Get the best extended warranty you can
How-To Choose Your New Car
when buying a new vehicle
OKANAGAN DODGE
Too many of us joke about how frustrating it is to buy a new car or truck. The experience need not be as bad as our jokes, in fact, it can be satisfying - if you do your homework, set up a plan, and stick to it. Next to a home, a vehicle is one of the most expensive items most of us will ever purchase. It is important to purchase a new car or truck that matches your particular needs by doing your research and comparing makes and models. First, be sure of your needs Do you really need a vehicle change? Why? Get out a pen and paper and make a numbered list of your answers to the “why” question. Continue to ask the question until you run out of answers. As you read the list, you might find the answers in front of you give insight into the type of vehicle you should be looking for. The average vehicle in North America is between seven and eight years old. The average truck owner has to face replacing a vehicle every three to four years. Do some research Since the purchase of a vehicle is so important, it only makes sense that you need to be satisfied in the process. You will probably have more satisfaction buying a car that you already know is what you want, at the price you can afford and that you know is fairly priced and will be properly serviced in the future. This takes some research. Once again, take out pen and paper (or computer with your favorite word processor or database software) and consider these vehicle categories: pickup truck, car. Write down some answers to these questions: 1. How many kilometers per year do I think I am going to put on this vehicle?
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2. On average, how much time per day will I be spending in the car? (Example: three hours) 3. What type of driving will I be doing in the vehicle? (Example: 60 per cent city driving, 30 per cent highway driving, 10 percent off-road or towing) Bring in your financial research Write down the budget numbers you have come up with to see what down payment you can comfortably make and what monthly payment you are able to afford. (Example: $3,000 down from savings and a $400 per month payment figured after the household budget work has been done.) Now, write down all the reasons the vehicle is needed. Remember, this is the list you worked out when you first decided that a new car was worth looking into. (Example: daily commute to work, taking the kids to school along with soccer practice after school, a yearly vacation, trips to the grocery store, or to the hardware store, etc.) The more comprehensive this list, the more insight you’ll get as to which new vehicle is best for you now. Advance work on our financing will save you money and better prepare you. For a low interest car loan, in Kelowna, the Okanagan finance team has you covered. By working with a network of financial institutions, we make our customer’s dreams of owning a Chrysler, Jeep or Dodge come true. Get an auto loan or car lease that you can afford by completing our online auto finance application. Stick to your plan You’ve got the plan; now stick to it for your new wheels.
Okanagan Chrysler, Jeep Dodge, Fiat is the #1 Chrysler Dodge Jeep volume dealership in the Interior. We are confident that we can get you the best possible price and the lowest monthly payment on your next new vehicle. Let our experienced staff guide you through our 300 new and used vehicles, to find the one that best suits your needs. We want your buying experience to be one that won’t soon be forgotten. Our goal is simple, hassle-free vehicle purchasing.
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HOW TO GUIDE 2013 3
5 THINGS
YOU NEED TO KNOW… • How do I save money for the rest of my life? • Make Your Dreams Possible – It’s now affordable • Purchase From over 500 Brand Name Manufacturers • Return on Investment • Long Term Investment
How-To Save Money on Everything in Life
about your favourite Canadian and international brands at prices never seen before DIRECTBUY We are passionate about saving money. Our team of professional buyers bring you today’s most sought after products at prices so far below the competition, most manufacturers ask us not to advertise their brand names, show their most recognizable products, and rarely, if ever, reveal our prices to the public. We can make your dream kitchen or bath affordable. We carry more of the exact same brands and styles as your favourite stores. We offer professional design, delivery and installation services, and can help you create nearly any look with endless choices in appliances, counter tops, plumbing fixtures, lighting, and more.. But who are we kidding? It’s our prices that have quickly made us one of the top cabinet resellers in the country. Finding the right appliance for your home takes a lot of work. Finding the right price shouldn’t. We carry most major brands and, like everything else we sell each appliance comes with the full manufacturer’s warranty. Higher-end appliances can often be expensive and out of reach. Directbuy makes them affordable. At our prices, it’s easy to become the neighbourhood’s first choice for entertaining. Create the ultimate entertainment space with the best brands in audio, video, surround sound, home theatre seating, game tables, hot tubs, saunas, exercise equipment, and much more. The only challenge you’ll have is getting your friends to go home.
Read more about DirectBuy on the back page!
REMODELING 101 Are you remodeling a bathroom? Looking to update your home with new furnishings? Have you always wanted to redesign your kitchen?
FRANCHISE OWNERS OF DIRECTBUY
4 HOW TO GUIDE 2013
THE FUTURE OF BUYING The last thing you want to do is spend more than you have to when upgrading your home. One way to ensure you’ll save is by purchasing the things you want and need for your home remodeling venture through DirectBuy. By allowing members to buy directly from manufacturers or their authorized supplies, DirectBuy is revolutionizing the buying process by eliminating the need to pay hidden retail markups. Moreover, our selection of top brands is unmatched. DirectBuy has a huge selection of home improvement products and materials available at confidential dealer prices. Here, you’ll find virtually everything you want for in and around your home including home furnishings (bedroom, living room, dining room, dinette, upholstered, occasional, home office, infant, youth, outdoor) and accessories; floor coverings; window and wall treatments; kitchen and bath cabinets and fixtures; plumbing; lamps and lighting; home improvement and hardware; lawn and garden; bedding and mattresses; appliances; electronics; fitness and sporting equipment; place settings and cookware; jewelry and much, much more. A one-stop shop for your home building, furnishing and remodeling needs, we have virtually everything – including the kitchen sink – for in and around your home. RECENT TRENDS
SPEND WISELY Start by deciding precisely what you want to improve, whether it’s updating your bathroom or finishing your basement. Identifying what you want to improve and how you want to improve it is just as important as deciding how much to spend in both time and money.
GREEN PANACHE One of the more talked about trends in furniture is the advent of furniture made from environmentally friendly, renewable materials. In recent years, consumers were averse to purchasing “green” furniture mainly because of its bland, boring styles and dated color schemes. Now, the styles are sexier and the colors outrageously bold. Couches made of pure cork, chaise lounges made from recycled seatbelts and cardboard, and bookcases made from recycled paperbacks are just a few of the various “green” furniture options that have hit the market in recent months. Experience DirectBuy’s savings, service and selection for yourself. To get your free information packet that includes an “Insider’s Guide to Buying Direct”, directions to your local DirectBuy club and a Visitor’s Pass to attend an Open House, please contact DirectBuy of Central Okanagan. Or go to www.directbuyguide.com to learn more.
BOOST YOUR REMODELING ROI It’s true that you’ll get more bang for your buck when re-selling your home if you choose the right home improvement projects. Will your money best be spent remodeling your living room, bath-
E D BARBARA LE
Any improvement will increase your return on investment. Think of the long term benefits or improve your standard of living NOW at a more affordable price.
If so, there’s one resource that can help make your next project a breeze, as well as help save you money on the things you want most for your home – DirectBuy. With a membership at DirectBuy, you can make your next remodeling or home improvement project easier on you and your pocketbook. Our members enjoy convenient and exclusive access to insider prices on first quality merchandise from more than 500 brand-name manufacturers or their authorized suppliers.
As popularity in home improvement has increased, so has DirectBuy’s emphasis on home improvement merchandise, and our members now have access to a wide variety of products including windows and window treatments, carpeting, doors, tile and hardwood flooring, in addition to marble and custom-cut, solid surface countertops and cabinetry.
RAYMOND AN
room or kitchen? A home with only one bathroom would be vastly upgraded with the addition of a second, while homes with small kitchens might be best suited for an expansion.
SETTLE INTO A NEW SOFA Don’t nap on the newest trends hitting the sofa scene – contemporary loft collections and swanky bench-inspired couches. Whirling, twisted furniture legs will also be common, and earth tones and cool gray shades remain popular alternatives for nearly any season.
TO BOOK AN APPOINTMENT CALL: (250) 763-4164 DirectBuy Central Okanagan #5-2260 Hunter Road Kelowna, BC V1X 7J8
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INSIDE: LAKEVIEW MOTORS, OKANAGAN DODGE
KELOWNA DENTAL CENTRE
DIRECTBUY
THE CHATSWORTH RETIREMENT
KELOWNA CAPITAL NEWS
JACK PETERS, RYAN PETERSON; J&R FAMILY REALTORS
TURNER VOLKSWAGEN
SPECTRUM CABINETRY
LAKE OKANAGAN BLINDS
EAC CONSTRUCTION
Go vehicle shopping ............................................................................................3 Avoid paying full retail price ..............................................................................4 Spend your business advertising dollars wisely........................................5 Be confident with your vehicle purchase ....................................................6 The latest technology and styles.....................................................................8
Make the most of your dental visit.............................................................. 10 An affordable option ........................................................................................ 12 Real estate know-how.................................................................................... 14 Plan your new kitchen .................................................................................... 16 Add your own touches ................................................................................... 18
How-To Help Your Business Succeed
5 THINGS
about your community newspaper
YOU NEED TO KNOW…
CAPITAL NEWS
• We’re relevant • We partner with individuals, groups and businesses that are determined to benefit the community
We deliver! On many levels! The Kelowna Capital News began publishing in August of 1930 and has continued to serve the Central Okanagan for the last 83 years with the largest circulation of any newspaper in the Valley. As the community newspaper we are committed to providing the very best in local news, sports, entertainment, events and happenings that matter to our readers. The Capital News publishes three days a week, with free distribution every Tuesday, Thursday and Friday to over 50,000 homes and businesses.
• We offer local content • We cover news that matters • 95% of our readers use the grocery store flyers to plan their shopping lists
FASTBALL TOURNAMENT named after Andre Blanleil Sr. will see his family come together again on the ball diamond.
A24
2013 GMC YUKON 4WD
TRAVEL
MOTORING
SPORTS
step KIA has taken another in up the product ladder a, unveiling the 2014 Cadenz a a ‘near luxury’ sedan with e host of features that compar es it favourably to Merced A6. E-Class or Audi
B1
may A WINTER VACATION the be a distant thought on an brink of another Okanag summer, but Mexico’s a Mazatlan is undergoing ity for revival in tourist popular those planning ahead.
A32
Loaded, only 18,000 kms.
$
We have a strong connection with our readers. We have credibility. People trust us to deliver information that matters to them and they anticipate each issue.
38,820
Stk.#65761 ELLENCE JACOBSEN EXC • 250-860-7700
www.jacobsen.ca
FRIDAY
Weekend Edition
Because the Capital News contains relevant, locally focused content, readers often read it more than once cover to cover. They rely on their community paper to provide them with information about things that matter to them. And there, in the midst of all that could be your strategically targeted display ad. Community newspapers offer incredible opportunities such as unparalleled reach. At the Capital News, we are committed to providing the best local content through the best reach. We want to help your business succeed! Contact one of our sales professionals at 250-763-3212 to help you determine the best marketing and advertising package customized for your business.
June 14, 2013
gan’s The Central Okanaaper Best-Read Newsp om www.kelownacapnews.c
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COREal renew By Judie Steeves R STAFF REPORTE
PHOTO: JUDIE STEEVES
Okanagan apple Radio ads encouraging across the fruit to growers to truck their may have appealed international border the local packinghouse but dists, some orchar being made there will is confident changes year. bring them back next Fruit Tree the B.C. Grower contracts with Okanagan Tree rly the Co-operative, forme the have to be signed at then Fruit co-operative, year, and it was ar calend the of beginning some key growers had it became obvious that . A3. decided not to return page See story
YOU’RE GOING TO LOVE
Total market reach is the first and most obvious advantage of a community paper, meaning the product is delivered to virtually 100% of households within a specific target market. With a very local focus in news and opinions, this medium strikes a chord with readers and they are “thinking locally” while reading the publication.
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HOW TO GUIDE 2013 5
Learn more: 250-712-6363 or RegencyResorts.ca
22
5 THINGS
YOU NEED TO KNOW… • Look online to find out what similar vehicle models are priced at and what is available • Ensure you are dealing with a certified licensed motor vehicle dealership and certified licensed salesperson • Make sure you have your questions about the vehicle written out in advance for the dealership to address and take the vehicle for a test drive with a sales person • Ask for all the pertinent vehicle inspection and service records along with a proof of the vehicle’s past ownership history. And don’t be afraid to ask for a third party inspection • There is always some room for negotiations on a price, but do your research in advance so you know what a fair offer on the vehicle would be
How-To Get a Good Buy on a Used Vehicle
about your next vehicle purchase TURNER VW | AUDI The risk of buying a second hand vehicle has been diminished considerably over the years when dealing with licensed vehicle dealership, says the sales manager of Turner Volkswagen Audi in Kelowna. Aaron Fanslau says reliability on a fair market price and programs that back up a vehicle’s condition quality help reduce the element of surprise that can come with signing off on a private sale. “For us, selling used cars is about 50 per cent of our business, so we have people driving off the lot feeling good about a used vehicle the same way they might feel about a brand new one,” Fanslau said. Fanslau said Volkswagen has a 110-point inspection reconditioning program with factory original parts for its used vehicles and the opportunity to add a two year, 40,000 km warranty (80,000km for Audi) as well, something he says many people might not be aware of with regards to available warranties on used cars. “And we can offer financial packages as well through the dealership with low interest rates that might make it more attractive as an option to buy,” he said. Fanslau said the Internet offers a wealth of information on all makes of vehicles,
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something he says is beneficial because it takes away most of the mystery behind what is a fair price for a given vehicle, either new or used. “I think the more homework people can do and the more information that is out there, the better it is for everyone involved, both the dealership and the used car customer,” Fanslau said. “We are looking for a winwin situation. We want to see the customer happy with the price and we want to be able to stay in business so we can continue to offer follow-up service in the future for all the vehicles we sell.” Because of that attitude and the more stringent quality control measures adopted by automakers, Fanslau believes the car dealership option for buying and selling used cars is dramatically less of a gamble from previous eras. “Car dealers have their reputation go out the door with every car sold, so if the buyer has confidence in the dealership, then they will have confidence in the decision to buy the vehicle. Just always be prepared to ask questions and always ask about what warranty coverage is available for the vehicle,” he said. “When you buy privately, you don’t generally get a warranty on the vehicle. That warranty is usually pretty affordable and can save you thousands potentially on repairs down the line.”
“I think the homework people can do and the more information that is out there, the better is it for everyone involved, both for the dealership and the used car customer.” ~ Aaron Fanslau, sales manager Turner Volkswagen Audi
6 HOW TO GUIDE 2013
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SIMPLY THE BEST PRE-LOVED CARS...
Backed by the best factory certification program at Turner VW/Audi • All Vehicles Go Through an Intensive Factory Inspection • Reconditioned with VW & Audi Genuine Parts • Financing from 0.9%
• VW 6 yr/120,000 km Warranty • Audi 6 yr / 160,000 km Warranty • 24 hr Road Side Assistance
• Priced Under Market Value • All Vehicles Include a Car Proof History Report
• P R I C E D B E L O W M A R K E T VA L U E • 2008 VW BEETLE CABRIOLET
Auto, alloys, power top, A/C power package. Summer is here! stk#VQ1034
$
15,995
RARE IMPORT WAGON 2006 VOLVO V50 T5 Turbo, auto, sunroof, alloys, like new, LOW KMS. stk#3AQ514A Not exactly as shown.
$
14,988
2012 AUDI A4 QUATTRO
Loaded with S-line package, local owner, low kms - 13,000. stk#AQ1015Z
$
43,888
2008 SATURN
Sky red, limited carbon, manual, loaded, 400hp, OZ racing wheels. stk#3A4025A
$
19,995
2010 VW TIGUAN HIGHLINE
AWD, leather, panoramic roof, fully loaded! Only 60,000 kms. stk#VQ1030Z
$
27,995
2012 MAZDA 3 SPORT GS SKYACTIV 58 MPG! Leather, sunroof, loaded, one owner, local car. stk#2A4017A
$
19,988
2006 VW GOLF DIESEL
Auto, A/C, sunroof, alloys, LOW KMS, 61 MPG. stk#3VG031A
$
12,988
2012 AUDI A3 QUATTRO 2.0T PREMIUM S LINE Loaded, panoramic sunroof, Audi certified, warranty. stk#AQ993Z
$
36,988
2008 VW GTI
Full load, leather, sunroof, 18” wheels, tinted windows, VW certified. stk#VQ1017Z
$
18,795
2010 VW GOLF 2.5L 170 HP, 1 owner local vehicle, auto, alloys, power package, only 13,000 kms. stk#3VG014ZA
$
19,998
2008 VW GOLF CITY Auto, alloy wheels, heated seats, tinted windows, A/C. stk#VQ1025Z
$
14,295
2008 AUDI A4 QUATTRO
6 speed, leather, sunroof, 18” alloys, loaded, great condition. stk#3A5025BZ
$
23,995
Turner
Volkswagen | Audi
www.prelovedofkelowna.com 250.860.6278 • 1717 Harvey Avenue, Kelowna
D# 5601
PREVIEW OUR ONLINE SELECTION… See 15+ pictures & more details for all our vehicles at www.prelovedofkelowna.com
5 THINGS
YOU NEED TO KNOW… • They provide heat rejection and protect against UV damage • They insulate against the cold of winter • Blinds provide privacy where needed • Blinds decorate and enhance the look of your home or office • They motorize to create convenience and the “Cool Factor”
How-To Choose Window Coverings
about window coverings LAKE OKANAGAN BLINDS PLUS Whether you are in the market for window blinds or any of our window coverings, we can help you find the best option for your needs, within your budget. We carry a wide selection of window coverings from some of the leading brands in the industry. Motorization, drapes, window films and blinds. We provide shop at home service and bring all of our samples right to your home, and will provide you with a free quotation right on site. Have you ever been at work wondering if you turned off the lights at home. Ever come home in the dark and wished you had left a light on? Want to adjust the thermostat without leaving your seat? IT IS ALL POSSIBLE..... with the Total Home Automation system from Somfy Systems. TaHomA gives you complete control of products in your home such as motorized shades, rolling shutters awnings, projection screens, lights and thermostats. Independently or in sync- from inside your home or remotely. Ask us how TaHomA can manage your homes “Energy Triangle” to ensure your home is running as efficiently as possible.
“ WE RECENTLY
moved in to our newly constructed home and have nothing to say but praise for Blinds Plus. From estimate to installation, the team was knowledgeable, helpful, efficient, friendly and professional. We are very pleased with the value we received for our money. We would highly recommend Blinds Plus to anyone in the market for blinds.” ~ Rhea
“ 8 HOW TO GUIDE 2013
MOTORIZATION: aside from the convenience, remote control motorized blinds are ideal for those hard to reach windows or for rooms with several windows. Motorized blinds are also ideal for home theater rooms or for people who physically may have difficulty operating their blinds. Somfy Motorized Blinds can be integrated with any home automation system. Blinds Plus is Somfy Certified Expert and has vast experience with motorization of blinds and drapery. Raise or lower your blinds from up to 70 feet away with wireless technology. Totally cordless for child safety. Easy to install. No wiring required. Control the light and the view with the touch of a button. The ultimate in comfort and convenience! Window Blinds and Window coverings...choose from a great selection including Aluminum Venetians, Faux Wood Venetians, Wood Venetians, Vertical Blinds, Roman Shades, Vienna Shades, Roller shades, Pleated shades, cellular shades, Window Shutters, Panel Tracks, Drapery and Window Films. We’ve got you covered. Blinds Plus is a family based business in the Okanagan Valley with over 26 years in the industry.
YOU PROVIDED
“
informative, professional advice, top-notch products and excellent service. The 3M window film you recommended has performed very well and is a huge improvement over the previous product I had in place. Thank you for taking the time to meet both the esthetic demands of the building facade and our requirements to reduce the incoming heat - the difference was immediately noticeable. I look forward to using Blinds Plus for my future window covering needs and will gladly recommend you to others who are looking.” ~ Shane
Blinds Plus is a family based business in the Okanagan Valley with over 26 years in the industry. We were recently welcomed to the President’s Club and awarded top sales with Shade-O-Matic. We are fully certified to measure and install Shutters and are proudly Somfy Certified Experts for motorized blinds. It is our goal to provide the best product for the best price combining our product knowledge with our customers’ needs.
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• • • • • • • • • • •
Drapes Shutters Roller Shades Roman Shades 1” Aluminum Venetians 2” Aluminum Venetians Verticals Pleated Shades 2” Wood Venetians 2” Faux Wood Venetians 3M Window Film
SAVE UP TO
BLINDS and DRAPERY! msrp
FREE estimates FREE installation C al l us t o da y !
Imagination • Innovation • Inspiration
250.868.0126
free estimates & free installation
www.blindsplus.ca
Drapes, 3M WINDOW FILM,Blinds
HOW TO GUIDE 2013 9
5 THINGS
YOU NEED TO KNOW… • Family dentistry is the focus of the Kelowna Dental Centre • The Kelowna Dental Centre practices all forms of general dentistry including Endodontics (root canal treatment), crown and bridge, cosmetic dentistry and extractions • Dr. Webster and the KDC team, works on creating your unique ‘life treatment plan’ • Each individual ‘plan’ prioritizes treatments, and is designed to fit within that person’s means • The Kelowna Dental Centre team cares
How-To Make the Most of Your Dental Experience
about choosing a family dental care provider KELOWNA DENTAL CENTRE Welcome to Kelowna Dental Centre. At Kelowna Dental Centre our focus is on Family Dentistry and we view our clinic as a true centre for oral health. We place a strong emphasis on educating patients, allowing them to make the best decisions for their oral health. Our goal is to create individualized ‘Life’ treatment plans which essentially are specific plans for each individual with a focus on prioritizing treatment based on urgency and need. We take a comprehensive approach to your oral health, looking at the big picture, and have a strong emphasis on prevention and maintenance. We also offer many additional services including many techniques to reduce dental anxiety and promote relaxed appointments. Dr. Webster is proud to be the owner of the new Kelowna Dental Centre. After spending two and a half years in Fort St. John acquiring immense experience in all fields of dentistry, Dr. Webster is excited to be back in his home town of Kelowna. He is determined to build an oral health clinic that truly focuses and excels at patient centered care. Dr. Webster strives to educate patients allowing them to make an informed and confident decision on what is best for them. The Team at Kelowna Dental Centre are committed to excellency and truly want to ‘change the way you think about dentistry.’
Services • Family dentistry • Adult and child oral conscious sedation • Nitrous oxide (laughing gas) • Implants, wisdom teeth extractions, crown and bridge, cosmetic dentistry, veneers, root canals • Invisalign® • Botox® • Cone Beam 3D® imaging and more.
KELOWNA DENTAL CENTRE TREATMENT TEAM: Sandy • Mandy • Jill • Zakia • Wendy Dr. (Mike) Webster
ADMINISTRATIVE TEAM: Jaccie • Arlene • Dallas
“ Changing the way you think about dentistry!
10 HOW TO GUIDE 2013
”
…our focus I would like to introduce myself, Dr. Michael Webster, as the owner of the new Kelowna Dental Centre. I would like to express how excited I am to be back in Kelowna and to be the proud owner of this beautiful facility. I was born and raised in Kelowna, attending Black Mountain Elementary, Hollywood Middle School, Springvalley Senior Secondary and graduated from Rutland Senior Secondary. Following graduation I completed a Bachelor of Science at Okanagan University College and a dental degree at UBC Vancouver, graduating in 2010. I immediately accepted an associate position in Fort St. John, which allowed me to gain valuable experience in a short amount of time. Fort St. John allowed me to practice broad and diversified dentistry, and develop a wide portfolio of skills including crown and bridge, root canals, dental implants, sedation dentistry and children’s dentistry. Being a native of Kelowna, and having all of my family residing in Kelowna, my goal and desire to move back to Kelowna was always present, and I was fortunate to have the opportunity to do just that. My vision for Kelowna Dental Centre is to create and establish an Oral Health Centre that will be a cornerstone in the city for years to come, as a
centre for excellence in dentistry. The clinic will have a high focus on family dentistry, and will offer a broad range of services. My objective is to create individualized comprehensive ‘life’ treatment plans for each patient, which looks at the big picture as opposed to fixing one problem at a time as they arise. I believe one of my strengths is clear and effective communication and will strive to educate you on all aspects of your dental health. Together we will work to create a lifelong plan that will satisfy your personal dental health goals. Part of my vision consists of making Kelowna Dental Centre more accessible to the community. Clinic fees will follow the fee guide determined annually by the British Columbia Dental Association for a majority of services, and we will also accept direct billing to insurance companies. I would like to invite you to stop in to the clinic at any time. Our dedicated and experienced team at Kelowna Dental Centre will do their best to answer your questions, and/or schedule a consult, at which I will gladly discuss any concerns or questions. I look forward to meeting you and developing life-long relationships. Dr. Michael Webster, DMD Kelowna Dental Centre
Dr. Michael Webster DMD ~ OWNER ~
Kelowna Dental Centre
HOURS THAT WORK FOR YOU!
Open every Friday, as well as Saturdays and evenings on request. •Direct billing to insurance companies •British Columbia Fee Guide pricing for majority of services
Dr. Michael Webster , DMD
#100-2033 Gordon Drive, Kelowna • 250-860-1414 • www.kelowna-dental-centre.ca HOW TO GUIDE 2013 11
5 THINGS
YOU NEED TO KNOW… • Retirement living should be about still having choices • Assisted living • Month-to-month rentals • Licensed care aids on staff 24 hours a day • Proud recipients of the BCSLA SEAL OF APPROVAL
How-To Support Your Aging Parent
for them to live the way they always THE CHATSWORTH have - only better Our parents are living longer than ever before. We are the sandwich generation who find ourselves supporting an aging parent, while still raising our own children. You may find that you are putting off or are unsure how to approach these conversations with your parent. Discussing the need to consider a move need not be difficult and stressful, put your self in their shoes, approach the topic sensitively and maintain respect. It is better to have this conversation early and put a plan in place before a crisis occurs. By making decisions early about their circumstances, you will help them maintain their independence longer. Retirement living should be about still having choices. The thought of moving can be overwhelming, they may feel they are giving up independence and will need to follow someone else’s rules. A conversation that supports these concerns will assure them of the many options open to them, take the time to plan. Have a clear picture of finances and health issues as well as their social connections. The professional staff at The Chatsworth are available 24 hours a day to provide residents with services and support that ease everyday burdens while promoting a healthy and active lifestyle. Our assisted living support under a registered care aides program is flexible and can be adapted to coincide with the long term needs of our residents; allowing them to maintain the dignity and independence they cherish, while continuing to live within safe and supportive surroundings as they age in place. Your parents can still enjoy the privacy of their own home and the choices they still desire as well as joining new found friends in the lovely dining room for chef prepared meals. Once you visit our community, we’ll demonstrate how letting us take care of the cleaning, entertainment, snow shoveling and gardens will allow them to focus on what’s most important-doing whatever makes them happiest. The possibilities are endless, from the movie theatre, games room and spa, the community boasts a variety of suites and amenity spaces. To get started, we encourage you to book a personal visit today.
“ 12 HOW TO GUIDE 2013
Cost Comparison
Monthly Household Budget & Expenses Take a few minutes to compare the cost of staying in the family home to The Chatsworth. We think you will agree The Chatsworth can provide a unique combination of security and convenience at a very affordable price Current Typical Cost* The Chatsworth Mortgage/Rent $ ____ Income equity** $ ____ Utilities (gas, electricity water, sewer) $ ____ House repairs (furnace, roof, painting, plumbing) $ ____ Strata Fees/ Disbursements $ ____ Monthly grocery cost $ ____ Housekeeping (4x per month $ ____ Landscaping maintenance $ ____ Transportation, (gas, insurance, repairs, taxi/bus) $ ____ Home insurance $ ____ Security services, (alarm monitoring, Lifeline) $ ____ Property taxes $ ____ Social/ recreational $ ____
____ $583 ____
$See fee schedule $ Included
$350 ____
$ Included
$100 ____
$ Included
$300 ____
$ Included
$400 ____
$ Included
$240 ____
$ Included
$50 ____
$ Included
$400 ____ $66 ____
$ Included $ Included
$40 ____ $150 ____
$ Included $ Included
$50 ____
$ Included
TOTAL
$____
$ ____
*Typical costs are approximate costs of a single person who has an automobile and resides in a typical single family home in the Kelowna area, with no mortgage. **This represents the approximate income that would be produced by investing the equity in your house. $350,000.00 invested could produce $7,000 per year in income ($583.33 per month) if invested at 2% simple interest.
Finding the right retirement residence for you or your loved one is extremely important. Penny Wight, General Manager of The Chatsworth Retirement Suites and Bungalows has a wealth of experience in assisting seniors and their families, through the decision making process and she looks forward to welcoming you into our community.
”
Your parents helped you cross the street safely, ride a bike and drive a car…
Now they need you to help them make the right decision If conversations have begun to explore the topic of what’s next, you’re probably wondering where to begin. The most important thing is to find the option that
best suits your parent’s needs. At Chartwell, our professionally trained staff can help you navigate the decision-making process and help you decide on the best option.
Call us today to arrange your personal visit.
1831 Parkview Crescent, Kelowna, BC
Call 250-860-1064 www.chartwell.com
The Chatsworth Residence offers: •24 hr. care aids on staff with 24 hr. monitoring system •Month to month rentals •Weekly housekeeping •Meals/snacks •Beauty Salon & Spa •Full life enrichment programs •Bus •Pets welcome •Tend your own garden •11 independent bungalows HOW TO GUIDE 2013 13
5 THINGS
YOU NEED TO KNOW… • REAL ESTATE AGENT: Find an agent who is motivated to sell/market your home and demonstrates the ability to do just that • REALISTIC PRICE: Work with your realtor to get to the real market value of your home and price it to sell. Don’t be the last one to be sold! • MARKET VALUE is the price that works within your market, for property your size and specifications, see your home through the buyer’s eyes! • PRE-LISTING INSPECTION: Find out what you never knew about your home, before it turns off a motivated buyer! • PREPARATION FOR SALE: Stage your home to entice buyers to make an offer. Negotiate to get the best price in the fastest time with the least amount of inconvenience
Jack Peters, Ryan Peterson, J&R Family Realtors
about buying and selling a home J&R FAMILY REALTORS HOW TO SELL A HOME… Take the process one step at a time, find good professionals to help you and you will find buyers,negotiate the sale and close the deal before you know it. FIND A REAL ESTATE AGENT A professional with experience can help you make the more challenging decisions, like what your selling price should be, how to stage your home, how to find a home inspector, any renovations which can help sell your home, and much more. SETTING YOUR LISTING PRICE Are you on the market, ‘just to see what happens?’ What are other properties in your neighbourhood selling for, and what are similar sized properties throughout the city selling for? MARKET VALUE In terms of residential, single family housing, market value is the price at which a particular house, in its current condition, will sell within 30 to 90 days. THE PRE-LISTING INSPECTION A pre-listing inspection can provide you with a list of current defects that can be easily remedied, as well as other current or near future defects which may not be easily remedied. Most home buyers will also be getting their own inspection, so revealing any critical issues in advance, can make the sale smoother. PREPARING YOUR HOME FOR AN INSPECTION Make the house accessible and easier to inspect. It will not change the material findings of the inspection, but could eliminate some unnecessary aggravations. PREPARE THE HOUSE FOR SALE Put your house and property in the best condition possible, by keeping it clean and doing any necessary repair work. Work on your home’s curb appeal. Clean windows, make sure the paint is not chipped or flaking, be sure that the doorbell works. Blinds and drapes are open. Clean and freshen up rooms, furnishings, floors, walls and ceilings. Bathrooms and kitchens are spotless. Organize closets. Replace leaky faucets and frayed cords. Eliminate the source of any bad smells. Remove clutter. NEGOTIATION: Try to determine how eager the other party is without demonstrating your own motivation to sell, until the right moment. Motivations for buyers include job transfers, or other relocations.
✓ BEST POSSIBLE PRICE ✓ LEAST AMOUNT OF TIME ✓ MINIMUM INCONVENIENCE
HOW TO BUY A HOME… Buying a home is one of the biggest financial decisions that you will make in your lifetime, whether it’s your first home,or your latest. Here is a brief guide to walk you through the home buying process. FINANCING Mortgage pre-approval is a great way to establish a budget, giving you an idea on how much mortgage the financier will provide you with to buy a home. Other benefits of a pre-approved mortgage may include a locked-in interest rate, better negotiating position, taking advantage of the many possibilities of mortgage financing, having the opportunity to shop around and secure the best financing package for you. GAME PLAN Start with your pre-determined needs and wants list, ‘must-haves’, and ‘would-like-to-haves’. Take a close look at your lifestyle, family space needs (current and growing), desirable neighbourhoods and location, number of bedrooms and bathrooms, yards, and many other. REAL ESTATE AGENT It’s important to find a Real Estate Agent you can work with, who is as invested in finding you a home as you are. Their experience should be balanced with their enthusiasm. HOME INSPECTION Having a third party home inspection provides you with the details that may not have been disclosed. House inspectors examine the major systems in the house, plumbing, electrical and heating, plus roof, foundation and insulation. Ensure that your home inspector has training and credentials, experience and a great reputation. You will get what you pay for. MAKE AN OFFER There are a few key issues which can make it easier and faster. Price, few or no conditions, meeting the possession date of the seller, a sizeable deposit and pre-approved financing will speed the process along. Items which may slow things down or cause you to lose a bid, include: over negotiation, too many conditions, weak deposit, lack of financing and too long between offers and counteroffers. CLOSING Once you have an accepted offer, are satisfied with your due diligence and remove all conditions, you have officially purchased your new home. There are some things you will want to do to be ready for completion day. These include choosing a lawyer, transferring all utilities (water, gas, electricity, phone, cable and sewer).This is also a good time to get your home insurance in order, and to arrange any interim financing if necessary. Call us to find the ‘hidden’ costs in buying a home, you won’t just be paying the price on your negotiated offer. Finding great professionals to help you with the home buying process will really make things go more smoothly with less stress.
WE OFFER YOU: • VIP Buyer Package - buyers • J&R Platinum Marketing Plan - sellers • We find buyers and sleeve listings! • Absolute integrity and great service • 29 years of combined real estate experience
“
Many, many, many thank-yous for all you have done on our behalf regarding the sale of my home.
”
~ G. Chutskoff
“
“
Thank you so much for all you did for me. Can’t say ‘thank you’ enough.
Thank you for your hard work! You were amazingly patient, which allowed me to find exactly what I was looking for within my budget. I am so, so happy with the place I purchased and am so grateful for all the knowledge and expertise you shared with me. As a first time home buyer I was nervous and unsure of what to expect, but you enabled the process to progress smoothly and efficiently, ending with fabulous results. Thank you for all your hard work, I really appreciate it! The wait was definitely worth it. Thanks. ~ L. Duncan
”
14 HOW TO GUIDE 2013
”
~ J. Williamson
DEALS OF THE WEEK
WWW.JRFAMILYREALTORS.COM
KELOWNA
J&R Family Realtors serve families, whatever the size, in the Okanagan Valley. We trust that family is the centre point of a good and balanced life and we strive to honour that statement in our own lives. If you are considering upgrading, downsizing, or changing neighborhoods, we are the realtors for you!
Y D N I F
#415 1961 DURNIN RD
2 beds, 2 baths, 1338sqft Top floor, plus den Asking: $289,000
829 BIRCH AVE.
3 beds, 2 baths, 1954sqft 1 bed suite rented @ $750/mo Asking: $335,900
805 MARTIN AVE.
3 beds, 1 bath, 1055sqft 50x136 lot, RU6 Asking: $349,000
DO YOU KNOW THE TRUE VALUE OF YOUR HOME? YOU SHOULD! FREE HOME EVALUATION
HOME STAGING
ME • www.jrfamilyrea O H W E N ltor OUR
1251 MCKENZIE ROAD
2655 THACKER DRIVE
ONCE IN A LIFE TIME OPPORTUNITY!! 1.61 acre parcel of subdividable land with panoramic LAKE/ CITY VIEWS, 200’ road frontage, 2200sqft house with detached shop, R1 zoning, not in ALR. Price $1,250,000 MLS ®10064833
First time for sale, The “Day family “ homestead on McKenzie Road. Over 57 acres of incredible City, Okanagan Lake and Valley views!! Currently facilitates small orchard, horse paddocks & and huge Barn, 2 houses plus a suite. Farm status. Price $3,000,000 MLS®10064864
JACK PETERS CELL: 250-215-3925
MARKETING SERVICES
s . co
m
4082 LEMKY ROAD
SECLUDED 10 ACRE COUNTRY ESTATE IN SE KELOWNA. This acreage boasts an unparalleled lifestyle tucked away in a picturesque, country setting featuring spectacular lake city/views, 2nd residence, inground pool, 60x40 shop. Price $2,595,000 MLS®10061840
CALL US FOR A FREE MARKET EVALUATION RYAN PETERSON CALL: 250-870-8880
HOW TO GUIDE 2013 15
How-To Give Yourself the Kitchen of Your Dreams
5 THINGS
when you think about the SPECTRUM CABINET GALLERY whole SPECTRUM
YOU NEED TO KNOW… PREPARE a PLAN Itemize exactly what the project will entail. The considerations are many from new cabinets and countertops to flooring and electrical. A well-conceived plan removes surprises that can greatly impact the BUDGET and the overall outcome of the project
PREPARE a PLAN When preparing the plan there are many things you need to consider. • From start to finish how long will the process take • What is the total scope of the kitchen renovation • New Cabinets…New Floors…New Countertops…New Appliances • Are there mechanical changes required… plumbing, electrical etc.
FORMALIZE a BUDGET Know your resources available. The advantages of having a comprehensive budget are many. It allows you to allocate your hard earned dollars to the most important priorities of the project. Meet with a qualified Designer to discuss preliminary designs and establish some baseline budgeting BEGIN the DESIGN Process There is a SPECTRUM of choices of Cabinetry available. Are you traditional or contemporary? Style is only one facet of the design process
FORMALIZE a BUDGET Only you know the amount of financial resources you have available for your new Kitchen. The Budgeting process is one of the most important aspects of all KITCHEN renovations. Many homeowners are reluctant to share this information for fear that they will be taken advantage of. In reality it helps the Designer work within your guidelines and determines how your objectives can be met. Points to consider: • New Cabinets • New Countertops • New Appliances • Flooring • Backsplash • Plumbing and Electrical
FUNCTION and ERGONOMICS Great kitchen designs are based on your lifestyle and needs UNDERSTAND THE PROCESS You have finalized all the Designs, ordered the kitchen and now the project begins. Establish the timelines and understand that you may be without a kitchen for a short period of time. A well planned project should minimize this duration of inconvenience. In the end it will be all worth the effort
203"
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49 16"
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FT BPMXGRAIN/SQ
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BEGIN the DESIGN Process The design of the kitchen is all about you and your needs. It is important to identify what your wants and needs are. Choosing a wonderful door style and finish are important but the kitchen must be functional and be designed around your lifestyle. Accept there may be compromises along the way. FUNCTION and ERGONOMICS There is an old adage that function should always beat form. In today’s modern kitchen design there are many questions we need to ask and plan for.
16 HOW TO GUIDE 2013
UNDERSTAND THE PROCESS Now that all the hard work in preparing for the new kitchen has been accomplished the process begins. • Removal of old cabinets • Preparation for the flooring • Delivery and installation of the new cabinets • If ordering a solid surface countertop templating will be required and it may require you to be without a countertop for a period of time while the new top is being manufactured The Design has been achieved the kitchen has been ordered and dependent on the length of time required to manufacture the cabinets the project is underway.
013 Designed: 1/10/2 013 Printed: 1/11/2
st l design and mu This is an origina copied unless or not be released n paid or job bee has fee applicable order placed.
well-coordinated plan will deliver your “ ADream Kitchen with minimal disruption to All
3 Final Jan 8, 201 Wong Residence
• Should cabinets be taller and to the ceiling for increased storage • Full access to the base cabinets with pullout drawer banks • Identifying how you work in the kitchen • Are there two cooks • Are there physical challenges that need to be accommodated • Countertops have a wide range in costs from simple post-formed laminates to Granite, Quartz and Corian…It is important that the attributes of these tops are all explained as they all have great merits and will effect the budget accordingly. • Appliance information is important to the kitchen designer who will need to provide the appropriate cabinetry to accommodate your existing or new appliances. • Flooring is another vital component of a new kitchen. A decision whether the flooring is to be installed prior to the cabinets needs to be determined. The type of flooring may dictate this and accommodations to the planning process will need to be addressed. • It is recommended that only licensed qualified plumbing and electricians be used.
your life.
Drawing #: 1
”
IMAGINATION & INSPIRATION WELCOME TO THE Spectrum Cabinet Gallery Let us help you make an informed buying decision through inspired design using quality Canadian manufactured products. Our unique (by appointment only) showroom is designed to provide you with that personal touch.
HONESTY, INTEGRITY, & Personal Service Our group of dedicated professional designers have a common objective in providing our clients with inspired designs utilizing quality Canadian Manufactured products. We are here to help you through the whole process, from conception to completion.
OLD FASHIONED Values At The Spectrum Cabinet Gallery we understand that whether you’ve made the decision to renovate, or build your new dream home, purchasing a kitchen is one of the most important decisions that a couple or individual will make.
WHY CHOOSE Spectrum? • 3 great manufacturers offering quality CANADIAN products suitable for all budgets • We focus on ‘YOU’ in our unique by appointment only showroom • Offering FREE in home consultations utilizing computerized renderings
AUTHORIZED
CANADIAN MANUFACTURED
CABINETRY DEALERS
#3B-190 Bredin Road • By appointment only ~ call to set up your visit to our showroom www.thespectrumcabinetgallery.ca • 250-317-4714
5 THINGS
YOU NEED TO KNOW… • Location: where do you want to live? • Lot site: size, shape, corner, cul-de-sac, view and perspective • Home model - number of bedrooms, bathrooms, interior style, number of rooms • Exterior and Landscaping: Especially in the Okanagan the outdoor is stil part of our living space. Pre-construction and Budgeting: determine your allowances for décor selections, and any minor floor plan changes • Selection of décor: Flooring, cabinetry, lighting, paint, window treatments, the items which make the rooms more personal and unique
How-To Customize Your New Home
when building a new home DILWORTH HOMES Today’s new homes offer a level of quality and comfort, with healthy indoor environments and lowmaintenance materials used in and out. New homes offer a solid, energy-efficient construction with all the features to accentuate your lifestyle. The benefits to building your home are balanced with the workload ahead of you. This is your home, making it fit for you, your family and your future needs, is a task only you can address. Before you pick up your hammer and level, your job as the future home owner is to communicate your needs and desires for your home to your builder, so the final result is what you dreamed of, within a realistic framework. LOCATION Where do you want to live? Check out your top three communities, visit them during the day, after work and even later at night, to experience the neighbourhood, the traffic, the people. Of course, if it’s a brand new community there may not be a lot of action in the immediate area, so expand your research to cover a few blocks in each direction. This will be your central location from which you participate in all external activities in your life. Work, school, recreation and sports, shopping, and churches may be important considerations for you. Get out of the car and take a walk around, if you see your future neighbours, talk to them, tell them you are considering their neighbourhood and ask them the questions that are important to you. BUILDING LOT Once you’ve narrowed down your neighbourhood, it’s time to look at building lots. Most current developments are on mountain or hillsides, offering an abundance of choice for housing types, depending on the side of the street, lot size and parameters. If you make your lot purchase first and separate from the housing contract, you can save thousands of dollars in land transfer taxes. Many developers will encourage buyers to go this route, as it is less costly, however, they will often place a development time condition, a time frame by which the house must be built. This discourages re-sellers who may purchase at the original lot price, sit on the property for a year or more and then re-sell it when the neighbourhood is more developed and the lot has a higher value. HOME STYLE Your lot details may in large part determine the style of home you build, like a 2-storey or bungalow walkout. Even with the architectural controls in most new developments, the slope of the land offers variety to builders and homeowners alike. Challenges offer the opportunity to think outside the box, building specifically for your needs, while blending with the homes in your immediate proximity and the rest of the neighbourhood. Your home style may also depend on the recommendations of engineering experts to ensure safe construction and longevity. Most developers have a library of home types, models or plans to choose from, and they can help you select your best fit, from your basic home structure needs. These include: • Number of Bedrooms / Bathrooms / Parking Stalls • Formal Dining Area or Breakfast Nook
“ 18 HOW TO GUIDE 2013
• Laundry – Main floor or Basement • Basement – finished immediately or over time • Home based office with separate entrance • In-laws or home-based college students who require a little more solo space Once you’ve selected your plan and made any minor adjustments to interior wall plans, you are ready to move on to the next step. EXTERIOR TREATMENTS Within controlled neighbourhoods, the exterior treatments must fall in line with building schemes and guidelines. Exterior treatments and landscaping are generally reviewed and approved to ensure your new home blends perfectly with your immediate neighbours and the neighbourhood at large. This maximizes esthetics and protects your investment. PRE-CONSTRUCTION At this point, with the siting, house style and exterior treatments decided, your builder will estimate the cost of building your new home. The project manager will explain the Allowances, the Change Order and the accounting processes which will allow you to monitor the cost of building, which prevents unwanted ‘surprises’. SELECTION After choosing a house model and plan, it’s time to customize your décor including flooring, cabinetry and lighting. The benefit of having a reputable builder with strong ties to the building and contractors community will become apparent at this stage. Your builder’s excellent relationships become your excellent relationships with suppliers and subcontractors, allowing you to choose the flooring, cabinets or lighting of your choice, and then communicating with your builder to ensure deliver of materials is timely. You may decide to choose the décor yourself, or you may choose to consult with a designer. Their expertise on what’s current, what’s timeless and what will be most functional and beautiful for your lifestyle can help make a difficult decision much easier. DECISIONS It’s very important to make final decisions at each step of the process, because after-the-order changes can be costly both in materials and time delays. Building your own home, even if you never raise a hammer, requires a good deal of effort, but it’s really worth it. It can take from 3 months up to 18 months to properly build a home, from the lot purchase to the move-in, and builders encourage you to take the first 12 months deciding all the pre-construction decisions, from structural changes to the house plan, to paint colours and door handles. Once those decisions are complete and decided, the construction process can go much more smoothly, allowing the builder to coordinate contractor and subcontractor services efficiently, not being held up by last minute details or decisions.
We utilize our technical expertise and outstanding customer service to ensure long-term value in exciting, quality built homes. ~ Mike Jacobs, PEng., President Dilworth Quality Homes Ltd.
”
Less than 15 New Home Opportunities Left
TOWNHOMES Multi-Family Builder of the Year
From
$489,900
+GST
Single Family Home LOTS From
$199,900
+GST
Showhome (noon-5pm daily except Fridays) 588 Harrogate Lane 250.861.8989 HOW TO GUIDE 2013 19
Get Inspired. See how DirectBuy members have Inspired. improved their Get homes and lives with us.
See how DirectBuy members have improved their www.directbuy.com homes and lives with us.
www.directbuy.com
Your first home. A new home. An old home. Or a growing home. Your first home. A new home. An old home. Or a growing home.
Since 1971, DirectBuy has helped consumers save millions by taking hidden retail markup out of the equation. Talk to us. We'll explain how you, too, can get confidential prices on hundreds of thousands of products for your home.
DirectBuy gives you prices not available to the general public on more than 500 top brands, including kitchen Since 1971, DirectBuy has helped consumers save millions by taking hidden retail markup out of the equation. cabinets, appliances, countertops, flooring, fixtures, home furnishings and more. Talk to us. We'll explain how you, too, can get confidential prices on hundreds of thousands of products for your home.
DirectBuy gives you prices not available to the general public on more than 500 top brands, including kitchen For a FREE Information Kit and Visitor’s Pass to a DirectBuy club or visit cabinets, appliances, countertops, flooring, fixtures, home furnishings andnear more.you, call
604.763.4164
Central Okanagan #5-2260 Hunter Road • Kelowna, BC V1X 7J8
Central Okanagan
centralokanagan.directbuy.com #5-2260 Hunter Road • Kelowna, BC V1X 7J8
For a FREE Information Kit and Visitor’s Pass to a DirectBuy club near you, call 604.763.4164 250.763.4164 or visit centralokanagan.directbuy.com