Page 1

Oceanside Lifestyle Magazine

December, 2010

Seasons Greetings Sharon, Wayne & Denise Dumbrell

The Results Team! Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460 Parksville, BC V9P 2G6

With Offices in Victoria, Nanaimo, Port Alberni, Parksville, & Courtney (250) 248-2488 Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca


Welcome to the first edition of our Oceanside Lifestyles Magazine. At Coldwell Banker Vancouver Island Realty, we decided to “go green” this Christmas and we are off to a wonderful start! It has been an interesting year in real estate with lots of ups and downs. We’ve made some great progress, none the less. No matter the season or the economic climate, real estate is always a good investment. It’s our business and we love it! We plan on enjoying the holidays with children and grandchildren taking in all the best that Oceanside has to offer. We decided not to travel this year, but to spend Christmas here in the place that we call home….Oceanside. Wishing all our friends and clients a happy holiday season and a joyous and prosperous 2011.

Sharon, Wayne, Denise Dumbrell and all our family, staff, and realtors at Coldwell Banker


Oceanside Lifestyle Magazine

December 2010

Welcome to Oceanside Lifestyle Magazine We hope you enjoy the articles herein. You may read this magazine on-line in its paperless, digital form or you may download a pdf and print out a glossy soft cover. This is a unique magazine and only available via your real estate professional as a special thank-you for your on-going support and business. This issue is brought to you by:

Sharon, Wayne & Denise Dumbrell Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460 Parksville, BC V9P 2G6 Phone: (250) 248-2488 Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Websits: Www.dumbrell.ca

Index Oceanside Artists Combine Art and Science

4

Oceanside Walks:

5

Understanding Color

6

Finance: Review “Cash in a Flash”

7

Cooking: Ginger Glazed Roast Beef

8

Legal Ease: Preparing Your Will

9

Home Heating Tips for the Winter

10

What a Building Inspector Can do for You

11

Oceanside Events

12

Your New Home

Publishers Imprint: Running L Productions Parksville, BC Www.RunninglProductions.com Email: RunningL@shaw.ca

If you have an event that you would like to promote in the pages of this magazine, please email publisher, Laura Hesse, at RunningL@shaw.ca

Phone: (250) 248-2488

13—16


Oceanside Artists, Ken Kirkby and Joan Larson, Combine Art and Science


Oceanside Walks Whether it is a short hike around Englishman River Provincial Park to stand on the bridge and take in the view of the upper falls or a longer climb down to see the lower falls, the trails are well maintained and the lung-expanding walk breathtaking. A large prehistoric boulder has recently fallen down, blocking the lower fall’s canyon. Water cascades over the rocks beneath it. Salmon swim in the icy pool at its base. It is well worth the twoonie in parking fees to spend a couple of hours enjoying nature. Farther down the Englishman River, across the suspension bridge, the sound of water rushing along the rapids and birds twittering in the trees tickles a smile from hikers up and down the longer Top Bridge Trail. Wear some stout hiking boots for this one, unlike the section between Top Bridge and the inland highway, this section of the trail is quite wild. Hearty hikers can either start at Englishman River Falls and walk back to Top Bridge or start at Top Bridge and walk the river trail to the Park. Fat and sassy bears and majestic eagles feast on spawning salmon so hikers need to be bear-savvy. Keep your distance, keep your dog leashed, and leave them alone. A must too for dog-walkers along the river is a few extra towels and blankets for those pups that just have to do what a dog has to do: whoo-hooo, something dead to roll in! Don’t I smell great, ma? Hiking in Oceanside is a social event! Whether you like to go it solo, with your trusty four-legged companion, or with friends, everyone you meet will say “Hello”, smile, or stop to chat about their dog or the weather. With the holiday season in full swing, what better way to beat those expanding waistlines than enjoying a little bit of paradise in this place we call home - Oceanside.


Using Color: Understanding Color Linking rooms with color: It may not seem very important if your rooms can be separated by closing doors, but if you can see from one room into another, the color relationships between those rooms affect whether your living space feels smoothly harmonious or jarringly chopped up. Using unrelated colors in adjoining rooms can make the house feel like a disjointed series of spaces, while colors that relate to each other draw the eye from one room to the next and create a pleasing flow. Creating a Flow: In a house with an open floor plan or one in which rooms connect through wide openings, it's even more important to choose colors that relate to each other in a pleasing way. In this situation, the challenge is to give each space its own identity according to its function and still achieve a feeling of unity. Use Cues: Give each room its own color personality while ensuring a cohesive feeling by using a single hue as a theme that runs throughout. If you love lots of color, you can still achieve flow by choosing one hue to be a unifying thread that runs from room to room. Usually this unifying element is the woodwork -- baseboards, door and window frames, and molding at the ceiling. Cross-link: You also can achieve a feeling of continuity by choosing only two or three colors that you use in different amounts and applications throughout the house. Each color can be used in different values and intensities to produce a wide range of effects. Unify: You can bring unity in to two areas by using the same trim color throughout, and reinforce that connection by bringing touches of each area's color into the other. For a smooth transition, choose two colors that are closely related and similar in value What about flooring: If you paint adjoining rooms in strongly contrasting colors, connect them by using flooring or area rugs that include both colors. The wall and rug hues don't have to match exactly; one can be slightly darker or lighter than the other, and the eye will still perceive them as closely related.


Book Review: Cash in a Flash When a friend suggested a review of Cash in a Flash by Mark Victor Hansen of Chicken Soup for the Soul and Robert Allen of Multiple Streams of Income fame, I inwardly groaned. The premise of the book is: Fast Money in Slow Times. Let it first be said, that Cash in a Flash is not a guru powered novel such as The Secret or The Power of Now; although, the authors use some quotes from the two. Instead, this book starts the process in motion of changing one’s mindset to one that is positive and forward thinking and provides some concrete ideas on how to start a business and form an investment group of like-minded people. The authors take delight in challenging you to step away from old thinking patterns… get a job that pays by the hour, struggle to pay the bills, pray for job security in an insecure world, and somewhere try to find the money to pay off the mortgage and send the kids to college or university. They start by comparing building a financial future to baking your favorite cake —you have to have the right recipe in combination with the right ingredients in the right order to succeed. They stress that money is not evil; money spells success and one should embrace the concept. Being positive in thought and dedicated in actions by setting procrastination aside and leaving the Devil with the ‘but’, ‘can’t’ and ‘should have’ thoughts and words seems to be the key. The basic concept is: Success = Focused Mind + Determined Heart + Focused and Determined Team Think about it...we work at a linear job where most of us earn $xx per hour. We only earn that $xx per hour. There is no residual income. As authors, Hansen and Allen point out, they earn residual income each time a book is sold, not just the $xx per hour that it took to write the book. Get out of the linear

stream of earning and start thinking about how to receive a residual income. Both authors agree that a support network of people who can either mentor you and/or have different skills that can be pulled together to make a profitable business team are key ingredients as well. They also say that you have to make money a goal. There is no stigma to success. A couple of the most interesting chapters are: Converting Your Ideas into Cash, Real Estate Investing, Follow Your Heart and Access Your Inner Winner. “Regardless of what media says about declining real estate values, real estate has always been— and, in our opinion, will always be—the fastest way to cash for those inclined to invest wisely. Everyone needs shelter.” “Real estate is not like the stock market where a company stock can lose 100% of its value.” Thin about it, “if you buy, hold, fix up and flip ten homes in ten years and make just 10—15% in value, you can possibly be mortgage free at the end of 10 years, 15 at the most.” While the authors are quick to point out that not everything can be learned from one book, they do provide the basics of investing that may just spark your own aha moment. It is definitely well worth the read. Review by Laura Hesse


Cooking: Ginger Glazed Roast Beef

Yield: 8

Ingredients: 1 rump oven roast (2 ½ lb) 4 cloves garlic, minced 2 tablespoons minced gingerroot (or 1 tbsp ground Ginger) 2 tablespoons olive oil 2 teaspoons dried mint 1 teaspoon pepper 1/4 teaspoon salt 1 tablespoon liquid honey 1 tablespoon cider vinegar Directions: Place roast on rack in small roasting pan. Combine garlic, ginger, oil, mint, pepper and salt; spread all over roast. Pour 1 cup (250 mL) water into pan. Roast in 500°F oven for 30 minutes. Reduce heat to 275°F; roast for 30 minutes. Stir honey with vinegar; brush one-third over roast. Roast, basting twice with remaining honey mixture, until thermometer registers 140°F for rare, about 40 minutes, or until desired doneness. Transfer to cutting board; tent with foil and let stand for 10 minutes before slicing thinly across the grain.


Legal Ease: Preparing Your Will At this time of year in particular, many families wind up having to deal with the loss of a loved one. This is made doubly hard if the loved one didn’t leave a will and appointed executor outlining what they want done with their home, investments, personal belongings, custody issues with minors or dependents, and even pets. What a will doesn’t deal with, according to the Law Society of BC is assets jointly held with another person or entity such as a bank or a joint tenancy with another person, nor does it necessarily apply to life insurance policies or an RRSP where a designated beneficiary already exists on the policy. Many also don’t realize the opportunities one has to transfer assets without tax and other implications. This is where “Estate Planning” comes into play which includes discussions with a professional individual, whether it is a Licensed Financial Planner specializing in estates, or a qualified solicitor. Below are a few basics. This will help you prepare a list of questions to go over with your lawyer and tax specialist. Firstly, if you don’t make a will that is duly signed by you and a notary or solicitor, then your estate will be divided in a certain way according to the Estate Administration Act. What you would want, if you were there to discuss it, has no bearing on what may be decided. It’s important to make a will properly so always work with a notary or lawyer on this. What is simple may in reality be quite a complex legal document. It cannot be ambiguous. Probate fees can be another big shock. Probate occurs when the executor applies to the BC Supreme Court to confirm that a will is valid. The fees must be paid and are based on the estimated value of the estate – there can be a serious discrepancy of value with regards to real estate value on a property between what the court values a home at and what the final sale price is depending on the current market conditions at the time. As well as this, the law assumes that assets have been sold on the date prior to the date of death so there may be capital gains on those assets. This is where estate planning comes into effect, as if you leave your assets to a beneficiary, tax consequences may be reduced. Consult with a tax specialist prior to the writing of the will. It’s important to update your estate plan as well as life styles and commitments change. What happens if a spouse or child passes away before you? Perhaps you would like to add grandchildren into your will? Don’t procrastinate, talk to your lawyer or tax professional about your will.


Home Heating Tips: Winterizing, Without Leaving The Country

Here are seven killer tips that can reduce your heating costs by up to 50% according to one man in Wisconsin who reduced his annual heating bills from $1,000 to $500 in a 35-year-old house! 1. Do not heat any unnecessary rooms. Close and seal heat registers and air returns. Be sure to whether-strip doors to these less-heated areas. 2. Adjust the furnace thermostat (internally) for the longest (and therefore fewest) cycles. Simply pop off the cover and look inside to set. This efficiency boost could save 15%. 3. Insulate all electrical outlets & switches on inside/outside walls with foam pads beneath cover plates. These are inexpensive and easy to install. Weather-strip and keep bathroom door closed. 4. Weather-strip, insulate, and seal all access doors to unused and cold attic areas. Do the thinking — find the areas of heat loss, then determine how to slow the flow of heat and money. 5. Turn the thermostat lower and dress warmer. At night, and when you are gone, set the thermostat to 50 degrees. According to one survey, “two 10 degree setbacks will save 1/3 of heating costs.” 6. Window heat loss equals 1/3 of your energy bill so close shades and drapes. Use rope caulk in every crack & opening. 7. In your basement, seal and insulate all hot air metal ducts. Insulate water pipes, the box sill above the basement wall, the area between wood joists, and the top 4 feet inside the basement walls. Hang insulation from wall top. With media and the Farmer’s Almanac predicting a cold winter here in Oceanside, it’s never too late to think energy smart.


What a Building Inspector Can do for You While not so in every province, in British Columbia Home Inspectors are duly licensed by the Province of British Columbia. This means that you have a qualified and trained professional reviewing both the home and property for defects. The main reason for home inspections are to provide the buyer with informed, professional knowledge on key safety and security issues. It also benefits the seller. Not all problems are clearly visible. The seller many times does not have the knowledge to be aware of a problem with their home. A typical building inspection will take approximately 2.5 – 3.0 hours depending on the size, age and condition of the home. Most building inspectors urge the buyer to be there. Why? So that you can see first hand all the features of the home and properly understand any concerns that the inspector may have. By attending the inspection, you also get to ask questions to ensure you understand all the features and or problems with the property. How can a buyer prepare for the inspection? · Attend the home inspection to hear and see the inspection findings and advice. · Read the Home Inspection agreement before hand. · Arrive at the property at the agreed upon time. · Do not bring children or other relatives along during the inspection unless you absolutely have to or if a parent or guardian is involved in the financing process and specifically wants to be there as well. · Bring a list of specific questions, if any, that you have for the home inspector. How can a seller prepare for the inspection? · Help the inspection go smoothly by providing clear access to all the areas of your home. i.e hot water tank, electrical panel, furnace, water meter, etc. · Make sure there is at least a square meter of space in front of the electrical panel to allow for safe access. · Clear under each sink so that all the plumbing is visible. · Remove all pets from the home including dogs and cats. · Fore peace of mind, put away all jewelry, cash or other valuables. · Turn off all computers in the house to protect against electrical surges as the inspector will turn on and off circuit breakers. You may need to reset clocks or timers, especially in the kitchen or bedrooms. Not sure which company to use? Ask your realtor for a list of qualified Building Inspectors.


Brought to you by ‌ The Results Team!

Sharon, Wayne & Denise Dumbrell Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460

(250) 248-2488 or Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Www.dumbrell.ca

$324,900 This immaculate 3 bedroom rancher within walking distance to Wembley Mall bright and open floor plan with a feature gas fireplace in the living room, separate family room, easy care floors and mixed carpeting, well designed kitchen, two full bathrooms, a fully fenced rear yard and a superb patio for family barbecues, plus a palm tree in the front yard as an added bonus. This home is well built for peace and quiet, and is move-in ready so if you need a quick possession, this might be the home that you are looking for.


Brought to you by ‌ The Results Team!

Sharon, Wayne & Denise Dumbrell (250) 248-2488 or Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Www.dumbrell.ca

$599,900 If you want that country living feeling close to town then this executive class home situated on 2.50 acres on the Parksville boundaries is a must see. With 3 oversized bedrooms, a fabulous ensuite, large walk-in closet, high ceilings, easy care flooring, a huge play area or studio over the triple garage, plus a formal kitchen with stainless steel appliances, a heat pump system for efficient heating and cooling, a landscaped and sprinklered yard, plus the house is only one year young (so NO HST), then look no further, you’re already home!

Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460


Brought to you by ‌ The Results Team!

Sharon, Wayne & Denise Dumbrell Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460

(250) 248-2488 or Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Www.dumbrell.ca

$359,000 Superb private 1.36 park-like acres with a 3 bedroom West Coast style rancher that gives you lots of room for kids, pets and you! Features include: vaulted ceilings, feature fireplace in living room, feature southwest style bathroom, large rooms, bright kitchen/dining room with loads of light and lovely garden views, separate tv/family room, big patio for entertaining, privacy fence, storage shed, large pond with mature weeping willow, and mature fruit trees, plus the property backs on to Crown Land...what more could you ask at this price?


Brought to you by ‌ The Results Team!

Sharon, Wayne & Denise Dumbrell (250) 248-2488 or Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Www.dumbrell.ca

$315,000 This 3 bedroom plus den/office, 2 full bath Parksville rancher has a very private lot as the property backs on to green space, plus a bright and spacious kitchen, open floor plan with feature woodstove in the livingroom, large walk-in closet in the master with a big ensuite, a superb patio for entertaining, and a big double garage. This home is perfect for retirees who like to entertain or have the kids to visit or an expanding family. It is ideally situated close to shopping, transit and all levels of schools. Quick possession can be arranged.

Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460


Brought to you by ‌ The Results Team!

Sharon, Wayne & Denise Dumbrell Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460

(250) 248-2488 or Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Www.dumbrell.ca

$172,000 Estate Sale!!!! This delightfully renovated private 2 bedroom patio home is located in The Meadows. Freshly updated and painted, this easy-care hassle-free lifestyle home is perfect for the single person or couple over 55 who aren’t into apartment living, but want to downsize. It offers a good sized patio, open living room/dining room combination, patio access from the master bedroom, extra storage space and a clubhouse. This unit is an end unit with a south facing yard. Quick possession possible.


Brought to you by ‌ The Results Team!

Sharon, Wayne & Denise Dumbrell (250) 248-2488 or Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Www.dumbrell.ca

$198,700 Super deluxe 1056 square foot modular home located in a retirement park in Parksville that is only a few blocks from downtown shopping, the beach, and the new community centre. Only 4 years young, this home features a living room and den, 2 large bedrooms, 2 bathrooms, vaulted ceilings, skylights, laminate floors, natural gas heat, a huge oversized covered patio, raised garden beds, a detached workshop, RV parking, and a low maintenance yard, plus PETS ARE ALLOWED on approval.

Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460


Brought to you by … The Results Team!

Sharon, Wayne & Denise Dumbrell Coldwell Banker Vancouver Island Realty 124 Craig Street PO Box 460

(250) 248-2488 or Toll Free: 1-866-Dumbrell Email: info@dumbrell.ca Www.dumbrell.ca

$587,500 Luxury living at its best! Entertain in the amazing great room with hand scraped oak hardwood floors & Valor gas fireplace. Enjoy the spa-like experience of the master bedroom ensuite with walk-in shower & jetted tub. Cook for 2 or 20 in the designer kitchen with stained maple cabinets, island, pantry & stainless steel appliances. An added bonus is the waterfall & Koi pond + a 2 bedroom in-law suite/mortgage helper down.

$189,900 Priced to sell. This older 2 bedroom/2 bath double wide has a superb Diver’s Lake location, tucked away on a side street, with a large, fenced 70 x 132 foot lot. It’s your land, your home! All this plus a detached workshop, carport and it’s affordable and vacant. Bring your ideas, your boat, your RV...a great little investment.


Oceanside Living  

Welcome to our first edition of Oceanside Living Magazine. We hope you enjoy the lifestyle and real estate featured articles. Sincerely, Sha...

Advertisement
Read more
Read more
Similar to
Popular now
Just for you