Midnight Market Moment

I DON’T HAVE A CRYSTAL BALL but I feel like things are getting better. The more I research and meet and talk with people every day the more I see positive trends. There are still many people struggling, but we can help them get back on their feet as we get back on our feet. That has to happen. We need more balance.

What I see that’s good right now:

  • Interest rates have gone up a couple of times and new, tighter mortgage rules have kicked in; I don’t like the 20+% minimum for rental properties, that’s not nice, but I agree on the others. I find Power of Sale properties sad. Yes this happens with rental properties as well, but how are you supposed to get in as a first time investor if you have to drop 20 or 30 k on a cheapie duplex?
  • INCO is talking and the governor general was in Sudbury having lunch – there were a few ‘men in black’- looking cars with him
  • STELCO and DOFASCO are bringing back large numbers of people
  • Solar power is gaining popularity – job creation – looks nice, too – I have already seen one building in town here in the north end of Simcoe County – 20 years of guaranteed government money! And it is a good return – minimum 8% cap I believe.
  • New housing starts have gone up almost 20%, but that might just be the race to beat the HST heh heh – the big centres for this being Hamilton, Kingston, St. Catherine’s and Niagara – so if you are looking to invest, my thoughts would be, “pick one”, then call me. I do my research.
  • People are educating themselves more about the real estate process.
  • The economy looks good and consumer confidence is way up.

Some FYI’s (and again, don’t quote me, it is my interpretation of my dicussions and my online research):

  • Toronto is down in new housing starts; has gone condo crazy.
  • Average prices are in the 2s and 3s, unless you are in Toronto, Barrie, Hamilton, Ottawa.
  • Vacation properties in our area: we are low on inventory. Now this doesn’t translate into an inflated price, but prices have been fair, though slightly lower than last year (of course that is less on the subsequent buying end also). This may, however, translate into less time on the market, which is really the key. And if you price it properly, it will almost always get a fair market value in less time.
  • The loonie is closer to par. Not sure if that is good or bad. Like most things there are likely strong arguements on both sides. I could never be a lawyer. I am quickly learning that laws really are made to be broken. It is amazing we are all able to live and work in relative harmony and flow because there are exceptions to everything. And the judge is always right. I know I am not the first person to be puzzled by the law, just amazed at how puzzling it continues to be. So don’t sue me. I will find a loophole!

That’s all that is in my real estate thinkings for now.

I hope you have wonderful moments to live in,

Yours in the midnight marketplace!

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

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Competition Bureau misguided about MLS (Thank you Mark!)

Competition Bureau misguided about MLS

April 23, 2010

Mark Weisleder

SPECIAL TO THE STAR

Buying a home is a lot different than buying an airline ticket. Yet if you read the complaint by the Competition Bureau against the Canadian Real Estate Association (CREA), you would think it is that simple to buy or sell a home in Canada, by just using the Internet for support. Unfortunately, it is not that easy.

According to the Bureau, CREA and its member real estate boards effectively control the market in Canada, since 90 per cent of all residential home sales are completed using the Multiple Listing Service (MLS) systems, and consumers thus have no real choice in paying commissions, which, according to the bureau, is usually five per cent of the sale price. It is further claimed that the rules passed by CREA regarding use of these systems prevent anyone from offering different service models, thus eliminating choice for consumers. They would like every seller and buyer to have access to the MLS system, and be able to sell and buy properties themselves, without the services of a real estate salesperson.

No statistics are introduced by the bureau to support any of these claims. The fact is that there are other alternatives for Canadian consumers today, both within the MLS systems and outside it. There are many “For Sale by Owner” websites gaining market share across Canada, offering a flat fee service to sell your home. These include Com Free in Western Canada, Grape Vine in Ottawa and many others who participate in the National FSBO network.

Even within MLS, there is no set commission and consumers can negotiate directly with their salesperson. There are many examples across Canada where salespeople and brokerage companies charge less than five per cent commission, including flat fees.

Now that CREA has introduced changes that permit sellers to post their listings onto MLS through a realtor and not use an agent for any other service, we will see even more business models introduced by salespeople going forward, again offering more choice for consumers.

In my opinion, there is a real danger to consumers in trying to buy or sell their homes without the advice of a real estate professional. Sellers will not know how to qualify buyers who attempt to tour their home, will not understand how to properly price their home for sale and will not appreciate their obligations of disclosure of defects to unwary buyers. This will result in sellers not obtaining the maximum sale price for their homes and potentially involve them in unnecessary lawsuits from buyers.

Buyers will not know if the seller has any authority to sell the home, or whether the property is in fact in the process of being taken over by the bank. Deposits could thus be fraudulently misappropriated.

To try and understand the bureau’s position, let’s say a company bought a 100-acre lot and started selling cars, each one inspected by their certified technicians and advertised across Canada. The company was very successful. Buyers trusted them. Now a private car seller finds out that they cannot get nearly the price or exposure by selling by themselves. Should that person be able to go to the government and demand that he be put on the successful seller’s car lot, with the private seller’s name in the windshield, selling his own uncertified car to the public?

In a sense, this is what the bureau is asking regarding the MLS system, which has been built, paid for and maintained by realtors, to provide Canadians with the widest exposure, security and protection when buying or selling their home across Canada.

When you buy an airline ticket on the Internet, it costs you about $100 if you change your mind. If you make a mistake in the largest purchase decision of your life, it may cost you tens of thousands, and unnecessary legal headaches.

Now that there are new MLS rules in place, my advice to the bureau and CREA is to take some time to monitor developments over the next year, before rushing to trial, where only the lawyers win. I would be pleased to hear your own views on this very important subject.

Mark Weisleder is a lawyer, author, course developer and public speaker for the real estate industry who is an occasional contributor to Real Estate News. Visit him online at http://www.markweisleder.com.

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

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EVERYBODY PAYS COMMISSION

Here, in this tell-all blog, you will discover mighty ‘secrets’ of real estate…

“Secret” #1: It is not about commission. It is about disbursement of funds. Whether you are selling with an agent, buying with an agent, selling on your own, or prospecting on your own, everybody pays commission. Of course there are exceptions, but people tend to calculate it all in. The sellers know what they want in their pocket at the end of the deal and the buyers know what they are willing to pay on the market. So, if you have successfully bought and sold property in the past, then carry on MacBeth. If you don’t know what you are doing, work with a professional. If you don’t know the benefits of working with a professional, then interview and question until you find an agent you feel most comfortable and confident in. Do NOT be afraid to do this. This is a huge life decision. A good realtor can make it an outstanding experience! (And did you know that by paying a higher commission you can actually put more money in your pocket? Ask your realtor how that works).

Secret #2: If you price your house aggressively you will likely sell it faster and for a higher price. Of course there are exceptions, but the majority of houses that are priced PROPERLY (not undercut, but slightly to one side or the other of the anticipated sale price) end up being sold quickly (which saves money – and risk – you can only ever know what the market is doing NOW) and often get more money than if priced higher to try to attract a higher offer. Again, there are exceptions, but overpriced properties tend to sell for less. And despite the exceptions, your first offer more often than not is your best offer.

Secret #3: Do your homework. Read, Research, compare, inspect the neighbourhood…a good Realtor can do this with you or for you.

Yours in the midnight marketplace,

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

Follow me on Twitter! – twitter.com/tiffismyrealtor

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Fewture Planning

Public enquiry:

“What is the current employment market like for this area, in regards to home ownership? Is there enough industry to sustain the purchase, and more importantly, maintaining of financial issues such as mortgage, taxes, insurance, etc. In other words, will the Huronia region provide more than sufficient employment opportunities for people to realize their dream of home ownership; or will we see more individuals, and families, forced to sell their houses to prevent bankruptcy, or foreclosure, because of plant closures, loss of industry, and no future plans to replace it?”

My thoughts and what I’ve heard (Sources: personal communication with several local realtors, residents (newcomers and established) and business owners in the area. Information is thus hearsay and should be verified by the reader):

I believe that the social and economic forces in the County are changing overall, from Barrie, to Orillia, to Collingwood. In Tiny, we seem to be focusing more on the social and tourism industries. Going green is also a trend. In fact, there is a project underway for a solar panel co-operative that a local Midland business is hosting the space for, gratis. I would thus predict from the other information I have read and heard about the government guarantees and the projected 8% profits for investors, that there will be much need for people to work in this industry – new companies – manufacturing, technicians, sales…

The tourism here continues to grow and new renos (thanks to HGTV in a large part I’m sure) and new housing projects are consistently on the go. I am not certain on how much demand there is for labour here, but I know there is some. There are a lot of people in business for themselves, and I definitely know we are short on plumbers.

Apparently there are only about a half a dozen OAHI designated home inspectors in the County. The rest are NACHI designated, which is a weekend course (scary). The OAHI designation is around 11 college courses – about 2 years of school – and each course is around $600. There is also very expensive equipment to buy if you want to be cutting edge – like thermal imaging scanners and snake cameras….close to $15,000. But at $300+ per two hour home inspection, you can see why so many are also in business for themselves here. Just make sure you are insurable and bondable.

The population here is aging, but new families are also moving in. I predict a need for more social services for children, families and the elderly – there are a few new retirement complexes underway that I know of, and at least one more coming in the next 5 years.

Several plants have closed in the past few years and there is a lot of unemployment at present as a result. There are still jobs, but they are in the restaurant and retail sector, many are part-time, and of course that would be a significant pay-cut as well. Furthermore, powers of sale are a regular part of the listing hot-sheets. Thus I predict more neighbourhood changes as residential areas convert to rentals. This is all part of a neighbourhood cycle, however it is the low part of the cycle before the turn-around.

I feel that we are at a plateau, and have been since ’07, and that things will dip before we carry on again. There is much to be worked out and systems to be revamped and renewed. I don’t want to get too political but there is much to be done with the way things are being handled. For one, I am still confused as to why the MOE gave the go-ahead certificate for Site 41 to be allowed to be a dump site. We still need to fight against that one or a private company can just come in and move ahead with it. There needs to be a lot more serious and carefully monitored and documented and verified investigation into the state of the environment in the County in reference to dump sites of all types, chemical sprays on commercial farms, abandoned underground tanks of various varieties, etc. And of course this also needs to happen in the City of Kawartha Lakes, and and and…

We all need to green-up first, and then assess how well organized our other systems are: by-law enforcement (and by-laws), education for all citizens, and other social programs. I do feel we are taking steps in the right direction – both at the County level and somewhat at the federal level. At least there are programs where homeowners and homebuyers can get some credit for their green efforts. It promotes that kind of living as well as creates a need for that industry, which in turn creates more jobs as companies who offer these trades and services expand.

So, in a nutshell, I believe things are looking up, especially if we all work together for it. But things will dip and plateau again first, in my opinion. In the meantime, I feel we should focus on employment/self-employment in these areas if you are looking for sustainability (again, no guarantees, just my prediction and I called this blog ‘Fewture Planning’ because it ain’t gonna take off unless we get some leaders with dough who are willing to make a change. This may require being somewhat philanthropic but I am all for being more like Winnipeg!!):

-construction, landscaping, finishing, staging (it’s starting here)/virtual tours, home inspection (OAHI)

-social services – care and education

-sales, admin and labour in the growing industries, green ones for example

Real estate-wise, it is a good time to sell in certain areas, and it is a good time to sell if you are buying something else. If you are looking to sell to make a good profit, then unless you have a sought-after location, you might want to wait.

It is a seriously good time to buy – again, depending on the area.

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

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What is Happening in the Market (NOW!)?

“The Midnight Market Report”

Why am I thinking about real estate after midnight? Mostly because we need some! There are dozens of buyers for the Balm Beach area alone. And that is just what is happening at our wee office of three. It is a strange, strange, strange, strange market.

Fluctuations aside, prices are still pretty much the same as they were in ’08. Properties have been selling for significantly less than list price.

You can still buy a decent house near a major city for well under $150,000, and a brand new one for well under $250,000.

There is huge demand and paltry supply.

This should be driving prices up and scream “Seller’s Market!”.

Change is happening though. I have seen a shift this week. The number of listings has increased dramatically, and sale prices are hugging close to list prices. Of course this also has to do with the beautiful weather we are having as well and the opening of the Spring market. But it is also the indication of a healthy market overall.

I am seeing more educated Sellers and more prudent Buyers all the time. I don’t think this will translate into inflated market bubbles. I think that’s a good thing, and again I reiterate the strength of this market.

I feel a wind of change. It is a cautious wind but it whispers growth and prosperity.

But right now it shouts frustration in the vacation property market until we get more merchandise on the shelves for our eager, but patient Buyers!

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

Follow me on Twitter! – twitter.com/tiffismyrealtor

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The Price Isn’t Right

Why didn’t my property sell?

You may not want to hear it from the get-go, but chances are, it is overpriced. Statistically, 75% of all listings sell. The main reason 25% don’t is due to incorrect pricing. There is a buyer for every property and every property will sell at the right price. What most people think is, “I will list it at 10-20% above what I should, and then I can maybe get more, or at least leave room for negotiations.” What inevitably happens (ask any Realtor) is the property becomes shop-worn, and if it eventually sells, it sells for thousands below what could have been obtained in a short time with a proper price; thus, a double-jeopardy as money is lost as time goes by as well.

No one can really predict what the market will do tomorrow, next month, next year, etc. We can only know what is happening NOW. There are two main truths when it comes to selling a property: firstly, if you price it 2-3% above market value, you will get the most interest in the shortest period of time and second, your first offer is usually your best offer.

Some actual situations:

1) House was put on the market in ’08 and the first offer was for $136,000. Sellers decided they wanted more and rejected the offer. House became shop-worn and expired. House was re-listed and eventually sold in ’09 for $125,000.

2) House was put on the market in ’09 and had offers around $300,000. Sellers decided not to entertain the offers and hold out for more. House became shop-worn and expired. House was re-listed at the originally suggested list price, but the market has changed and they will be lucky to get $275,000 now.

3) House was put on the market in ’08 and the sellers wanted a million four. They were told that the market value was in the high 8’s. No offers were entertained, including one for around $900,000 and the listing expired. House has been re-listed in the high 9’s and still sits.

4) House was listed at over a million. No offers came in over the entire listing period. House is now listed in the mid-eights. It is still overpriced so we will see what happens.

I could keep going – the above examples are from Realtors only too happy to share their information on this topic. And of course I have had my own experiences, and I scrutinize what is happening both in the MLS market, and the FSBO (For Sale By Owner) market. Statistically, 7 out of 10 FSBOs eventually turn to an agent and it is usually because they have overpriced their properties and are not getting much of a response. And yes, power of sale properties experience the same issue, which is why banks end up losing, on average, $100,000 every time a house is foreclosed upon (of course about $25,000 is taken off the top in lawyers’ fees).

Market Value and Listing Price (From the Principles of Appraisal course –OREA):

“The listing price is a key component of the valuation and sale of a property in the marketplace. The closer the list price to market value, the more likely that a higher sale price will be realized within a reasonable period of time [contrary to popular belief]. A list price at or close to market value will attract the most number of serious buyers. A heightened demand will usually translate into a higher selling price.

Simply put, a buyer, upon seeing a well priced property, will become anxious to make a good offer before anyone else realizes the property’s excellent value. As a result, it will be the seller and not the buyer who will be able to negotiate from a position of strength

…If the price is indeed too high, then the seller’s property will probably be eliminated by the serious buyers who otherwise would have considered buying it. In fact, serious buyers may either not look at the property at all or will use it to justify buying another property that is much better priced in comparison. [And you must also know that other Realtors will use an over-priced list to sell their listings.]

Of course a buyer may still make an offer on an overpriced property. However, in these situations, it is the buyer that will be in a position of strength in the negotiations as he/she will be aware that they will not be in competition for the property. Indeed they may be the only offer that comes along. As a result, they will often be able to negotiate a price a the low end of or below market value (depending how long the property has been on the market and how frustrated and desperate the seller has become).”

This is the theory, but again, ask any Realtor, as this is also what is found again and again in practice. Even with price reductions, the property may become shop-worn or suffer from over-exposure and buyers will start to wonder what is wrong with the property.

Bottom line: you need to decide whether you want to list your property or if you want to sell it. If you insist on pricing your property above what your agent can justify for you with a CMA, then please don’t blame your agent when your property doesn’t sell.

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

Follow me on Twitter! – twitter.com/tiffismyrealtor

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Mortgages and the Marketplace

Newest Release from CREA (Canadian Real Estate Association):

CREA SATISFIED WITH CHANGES TO MORTGAGE RULES
OTTAWA – February 16th – Following this morning’s announcement by the Federal government, The Canadian Real Estate Association is of the view that the Canadian resale housing market is healthy, and does not require regulatory changes beyond those announced today.
“Banks and governments should be cautious interpreting recent statistics, since comparisons are being distorted by recessionary activity a year ago and the subsequent rebound,” says Gregory Klump, CREA’s Chief Economist. “Current trends reflect the release of pent up demand when buyers moved to the sidelines during the recession. Additionally, the HST in Ontario and British Columbia and coming interest rate increases will likely moderate activity and price gains beginning in the second half of 2010.”
CREA’s analysis of housing activity on the Multiple Listing Service® Systems of real estate boards across Canada has emphasized that a number of temporary factors have been skewing average price comparisons. Its most recent forecast indicates that national activity and average price will decline in 2011.

Mortgage Rules:

This morning, Federal Finance Minister Jim Flaherty announced prudent changes to mortgage insurance rules intended to come into force on April 19, 2010:

1.    All borrowers must meet the standards for a five-year fixed rate mortgage even if they choose a mortgage with a lower interest rate and shorter term;

2.    The maximum amount one can withdraw in refinancing their mortgage will be reduced to 90% from the current 95% of the value of one’s home;

3.    Non-owner occupied properties will require a minimum down payment of 20%.

There were no changes to down payment requirements or length of amortizations for owner-occupied residences.

Thoughts? This is good and logical news in my opinion.

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

Follow me on Twitter! – twitter.com/tiffismyrealtor

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Ok, so I lied…I’m getting political!

Following this surprising article from REMonline.com is my heartfelt and documented response:

Opinion: Ontario hasn’t heard the news

Guest Columns Jan 28, 2010

By Jamie MacMaster

As Napoleon entered Moscow in the fall of 1812, Czar Alexander and his commanders were discussing just when and where they should stand their ground. A pessimistic Russian field marshal noted the splendid successes of the Grand Armeé and speculated that stopping the French might be a difficult thing. Alexander answered, “Napoleon may have Generals MacDonald and Ney, but I have General Winter.” History proved him right, and it can serve us up plenty of other examples when it comes to empires that were cut down to size all because of snow and wind.

So we might sympathize with poor Al Gore and David Suzuki at least to the same extent that we would pity all failed dictators and despots. With canonization but one small Fahrenheit degree away, along came something as ordinary as the weather and snatched sainthood from their sweating digits. Let me offer my sincere condolences by remarking such are the vicissitudes of life…it’s just the nature of things.

I mean, things were going just swimmingly. The media, the governments, the students and the socialists had all swallowed the anthropogenic global-warming stuff. Everyone was in accord with the Kyoto Accord; a real-life parlour game that penalized countries advanced enough to have a social conscience and rewarded those greedy enough to exploit it. But then, just when things were humming nicely and the billions were flowing in, along came some scientists, skeptics and sunspots – or more precisely, the lack of sunspots – to upset their apocalypse cart.

The first cracks to appear in the foundations of the House of Hoax were subtle – hairline really. But the replacement of the unidirectional term ‘global warming’ by the all encompassing ‘climate change’ was an admission that there were certain, ahem, ‘inconsistencies’ in the earth-is-gonna-fry theory. However, if one just concentrated exclusively on this little hockey stick graph, well, the overall picture was pretty evident: rising seas, droughts, pestilence and the extirpation of humanity within a generation or two.

But if you hang your little stick out in public for every one to see, smart people get to peek at it too…and they might even point and laugh. A lot of real scientists from around the world (including Canadian professors Tim Ball, Fred Michel and Ian Clark) who had studied the history of earth’s weather over hundreds of millions of years, knew that climate graphs don’t look like neat little hockey sticks, and they said so….publicly. And when invited to this good old fashioned sticks-and-stones science fight, the lefties didn’t have the brains to stay silent. They opened their arsenal and responded with the only weapon in their arsenal: name-calling. David had just challenged Goliath and Goliath was acting like a wee-wee. It could not go un-noticed.

A handful of journalists, writers and television producers, who had somehow resisted the climate change narcosis that afflicted their peers, recognized a retreat when they saw one. Martin Durkin, a British television producer, put together a brilliant documentary, The Great Global Warming Swindle that presented compelling evidence that the cause of climate change was not human activities, but solar radiation. At about the same time Lawrence Solomon’s essays, The Deniers, appeared in the National Post. Solomon condensed and coalesced the scientific opinions of the swelling ranks of academic heretics into three arguments: man-made global warming was a crock; unscrupulous politicians and NGOs were getting powerful and rich by perpetuating the myth; and, if the nonsense continued, the Western World would be a much poorer place.

Data began pouring in from numerous independent sources, many of them government agencies. Not only had any warming trend stopped, but the reverse was happening – the earth’s surface temperature was actually cooling….and had been doing so for eight or 10 years! Whether motivated by the impending threat to their finances or affronts to their professional dignities, the environmental coalition counterattacked. Suzuki mounted a McGill University stage and, to thunderous applause from his assembled devotees, said that politicians who ignored the ‘science’ behind climate change should be jailed. His time spent as a board member of the Canadian Civil Liberties Association had obviously left no lasting impression. Dr. James Hansen, whose NASA credentials were used to shore up Gore’s shaky suppositions, declared that industry executives who resisted the Pied Piper’s global warming tune should share bunks with Suzuki’s incarcerated politicians.

But just like the Doomsday fanatics who wake up in their earthly beds the morning of the day after Armageddon, the apocalypse-pending crowd was in a dogmatic quandary. With no rise in sea levels, and the preponderance of scientific data pointing to planetary cooling, they had no choice but to add a chapter to their Book of Revelations.

There was a progressive element to the successive edits; what started out as minor concessions became major revisions.

“Over the last two decades the overall trend is global warming” morphed into “Yes, we’ve accounted for this leveling-off, and it might last for up to 30 years.” But their feigned nonchalance couldn’t hide the fact that they were labouring under a tremendous handicap: with the water in their ponds freezing solid, they looked plain silly trying to skate in their hip-waders, and how could they be expected to win this climate-change game with a badly disfigured hockey stick?

In April 2009, Rasmussen Reports released the results of a national survey that polled Americans on their global-warming views. The results are startling. Just one short year ago, 47 per cent of respondents blamed human activity and 34 per cent were content to believe that Mother Nature was the culprit. The numbers have reversed: only one in three voters (34 per cent) now believe global warming is caused by human activity while almost half (48 per cent) attribute climate change to long-term natural cycles.

Closer to home, British Columbia’s New Democratic Party (who never saw a cloud on the horizon that wasn’t evidence of a dying planet) incurred Suzuki’s wrath by officially committing to axe a provincial carbon tax. He must surely feel a bit forsaken in his hour of need.

That this declining support for the global-warming stuff is in direct proportion to the weakening of the economy is no coincidence. The public is likely to support all sorts of things…as long as no cost is incurred to the individual’s wallet and no threat posed to his lifestyle. So wind energy is a great thing, until electricity costs triple or a windmill mars community esthetics.

But Ontario – and that certainly includes rural Ontario – in its unseemly haste to lead the charge towards all things green and beautiful, is much too committed to heed the bugle-notes of the global-warming retreat. Climate change has become our raison d’etre; it is our government and our foreign policy, and, with our manufacturing base and small enterprises succumbing to hard times and regulatory overload, it might even have to totter along for a while as a poor excuse for an actual economy.

It is there in black and white for all to see in our Provincial Policy Statement on Land Use (PPS), The Clean Water Act, The Endangered Species Act, The Green Energy Act and a host of other pieces of legislation that you never knew existed – but which you will certainly learn about in the future when you want to spray your crops, clear some land, pay your hydro bill or sell your farm.

Will it stop? Probably not, and another story that makes the rounds in military colleges tells us why. When the Spartans were at the height of their military fame they sent a delegation to the Oracle at Delphi and, with no small amount of conceit demanded: Can anything harm Sparta? The answer (which probably didn’t have much effect on their considerable egos) was short and to the point: Yes, luxury.

The danger with luxury is that it is invariably attended by its handmaidens: self-interest, complacency, cowardice, and an appalling lack of curiosity about the important things… soft living begets soft heads. It is as much a state of mind as a state of being. Let’s stretch out on our couches and think about whether that might apply to rural Ontario.

Loggers engaged in thinning county-owned forests won’t speak out against a proposed tree cutting bylaw for fear that opposing their own demise a few years down the road might hurt next week’s paycheque. Dairy farmers who spend Wednesday afternoons playing old-timers hockey and/or weekends at curling bonspiels say they don’t have the time to write MPPs about problematic legislation. The majority of agents in a rural real estate office can’t be bothered to email pre-prepared letters to their MPPs about the negative effects energy audits would have on their own industry and a faltering rural economy. And despite five years of coverage that local press gave to landowner associations in their fight against provincial land-use policies, farmers are incensed to learn that there is such a thing as a Provincial Land Use Policy, and that solar panels qualify as a legal crop on agricultural land. Such is the state of affairs in rural Ontario.

With one of Ontario’s farm organizations gushing about the splendid opportunities McGuinty’s Green Energy Act will provide, and another one wringing its hands about an impending climate change crisis that never did exist, I’m going to speculate that things are going to get a whole lot worse before they get better.

MY RESPONSE:

This article concerns me.

1) Florida has recently seen record lows for the longest string of days in over 100 years. This is the second time that frost has detrimentally affected my cousins’ citrus grove.
2) Currently, Washington is experiencing the worst snowstorm; the eastern seaboard is being hit hard with this storm – people are hoarding in preparation.
3) One million years ago there was no summer ice in the Arctic. This is expected to happen again in 2 years. Quick changes are occurring in the Arctic due to diminishing sea ice. This is causing loss of habitat, and whales are moving further north with warmer waters and disrupting the food chain. George Divoky has spent 30+ years (spending months every year) studying (for one) the loss of migratory grounds in the Arctic due to this diminishing sea ice. Contaminants from the south have also been confirmed.

Instead of arguing over semantics (global warming vs climate change), or possible deception from the powers that be, can’t we just recognize that there is a very obvious problem with very real and obvious solutions that aren’t being put in place for whatever reason? We already have the answers! (Goto ted.com for some).  You might also want to google “where are the bees?” and “how acidic are our oceans?” Or, wait a few years and then tell my 15-month old that it was all a hoax.

OTHER RESPONSES:

  1. Steve Dickie says:

    Unfortunately for the public, the nature of science, particularly of complex systems such as planetary weather, is that even when the vast majority of research points to a certain conclusion (global warming in this case), there will always be variations in the evidence that the naysayer’s will latch onto as “proof” that the prevailing theory is false. That seems to be the case with Mr. MacMaster.

    One has only to examine the motives of those who make their income from publishing books versus those who earn their income from doing science to get a hint of why global warming deniers tend to focus on only the findings that support their point of view.

    I would encourage readers to read articles such as http://www.sciencedaily.com/releases/2010/01/100121170717.htm, which discusses the findings of a recent NASA study showing that the last decade was the warmest on record.

    Unfortunately, large scale effects such as global warming are measured in decades and centuries making it all too easy for humans to be unaware of the changes around them until the inevitability of the serious, long term effects is past the point of no return.

  2. Jamie MacMaster says:

    “One has only to examine the motives of those who make their income from publishing books versus those who earn their income from doing science to get a hint of why global warming deniers tend to focus on only the findings that support their view”

    On the contrary, in conjunction with “scientific data” that fails every test of credibility, global warming deniers examine the motives of those who make their income from promoting the AGW nonsense.

  3. Wade Wilson says:

    I find it interesting that your skepticism and notion of credibility only seem to extend to the data you don’t like, while the data that supports your claims seems to get a free pass from your eager skepticism.

    You cited three scientists in your column: Tim Ball, Fred Michel and Ian Clark.

    All three of those names refuse to disclose who, exactly, funds their research. So let me ask you. Why the secrecy? You tell me, who’s funding their research. Go ahead, look it up. They wont say. Why? Perhaps because if they revealed the people paying them have a vested interest in global warming not being real, they’d lose, oh I don’t know, credibility? So you tell me, what exactly makes a source credible if not disclosing a fundamental conflict of interest doesn’t count.

    But hey, I get it. Any excuse to be indignant over having to curb behaviour and break from the status quo, right? Damn “lefties”.

    http://www.youtube.com/watch?v=l0JsdSDa_bM
    http://www.desmogblog.com/people/tim-ball

What’s your opinion?

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

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What’s Your Comfort Level?

There are a lot of things that freak me out. Maybe I am a bit of a conspiracy theorist, or maybe there is still a bit of anarchy left in me from my Sid Vicious days in the 80’s, or maybe it is just a search for the truth. I would really like to know with all certainty, what is going on with:

A – Acidic oceans. How badly are our waters being acidified? Is this something we need to worry about now? Are there remedial actions taking place?

B – The bees. Are we really running out of bees? Can’t we just start bee farms and get bees to make more bees? What other alternative do we have for pollinating crops?

C – Climate change. Is it, or is it not synonymous with Global warming? What’s up with this anyways? Is it really just a hoax created by the government(s) to make money and redirect our attentions elsewhere? Or are scientists with 30+ years of hands-on experience in the Arctic telling the truth about shrinking migratory grounds?

D – Disaster. From wars to mother nature. We should be able to prevent the former and remedy the latter – we have the resources and the brain power. You tell me where this all breaks down!

E – The economy. [This seems to be the first priority so maybe our planet is in better shape than we thought (??)]. Some people state-side feel that they have already hit rock bottom and they are on the upswing. Canadian markets promise to be stronger than ever for the first half. Interest rate hikes don’t seem too problematic as they are proposed for 2011 and look like they will sit around 3.5%. Who knows what ‘treasures’ the HST will bring with it. Other North Americans are skeptical and feel like ‘we ain’t seen nothin’ yet’. What’s your comfort level with the economy?

So these are all just questions that continuously float around in the canals of my mind and I thought I would see what others have to say – I do not mean to sound doomish and negative – just looking for thoughts/insights/opinions.

On a positive note, the New Years Resolutions are going well. I think this is probably the only year I have actually started doing what I said I was going to do (living simply, clearing my clutter and focusing on people):

-mom and I are going to go through all of our ‘stuff’ and donate anything that doesn’t have extreme use or sentimental value to women’s shelters and the Salvation Army; we haven’t bought any more ‘stuff’ so far this year!

-I am going to give as many client/wedding/Christmas, etc. gifts as possible to my young friend Bilaal Rajan’s programs through UNICEF, as 100% of all proceeds are used for Haiti relief, building schools and wells in Kenya, and so on. Even admin. costs are not taken from donations! (http://my.e2rm.com/personalPage.aspx?registrationID=803693)

-I have initiated the application process through Big Sisters to get involved in their in-school mentoring program

So to leave you on a positive note: after all of this initial activity, I feel happier, healthier, more motivated and more successful in my home and work life. It really, really is true what all the self-help books out there say – step outside yourself, pay it forward, etc. etc. Since I have stopped focusing so much on myself I have less stress, anxiety, fear, you name it! I enjoy my life more, my family more, my career more.

I am sure the alphabetical concerns above will always ebb and flow in my mind. I have a wonderful 15-month old in my life and I do worry for her future. But in the meantime I am going to take my wise friend Diana’s advice and start living by the hour. On that note, it is almost the dinner hour and time to leave the office and make some real food for my family (my newly-added resolution thanks to Dr. Oz: Don’t eat anything that doesn’t expire!).

Happiness and Health to all!

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

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What are Your Thoughts on the US/Canada Housing Market?

Discussion: CREA – Canadian Real Estate Association | LinkedIn

Is anyone getting requests for Real Estate in the US? Is there a major buzz in Canada for US property? I am curious, I am an agent in AZ and I am trying to target Canadian buyers.

I am offering a 25% referral fee to my fellow Canadian REALTORS. I also just want to get a feel for the market conditions, it’s tough being in the US and trying to figure out what my Canadian prospects really think about the US? Any advice, tips or information would be appreciated.

Posted 11 hours ago | Reply Privately

Comments (1)

Tiffany McGregor

Tiffany McGregor you

RE/MAX Georgian Bay Realty Ltd., Brokerage, Sales Representative

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I have not personally had any requests. The general feeling I get is people are amazed at the low prices in certain areas, and a couple people I know have purchased condos in Florida, but on the most part, I feel people are nervous about the stability of places like Florida and California, as they have heard stories from their American friends and family about foreclosed buildings, leaving their own units and ammenities to deteriorate without maintenance. Canadians are also concerned about water shortages and health care costs and coverage. For example, older Canadians pay thousands in health care travel coverage if going stateside for less than 6 months, and are not covered of course for pre-existing conditions. They are reluctant to make a move for longer than 6 months for similar reasons. The market in Canada has dipped and risen, depending on area and industry of course. Prices have dipped and risen and so has sales of higher end properties (like waterfronts). Last year however ended on a very strong note and this year promises good things as well. A proposed tax increase in Ontario (HST) is expected to affect new housing sales especially, but will certainly cause issues in other areas. As a result, I expect that low and averaged price resale markets will see more activity.

Tiffany McGregor: Educator/REALTOR®

Email me! – tiffismyrealtor@gmail.com

Follow me on Twitter! – twitter.com/tiffismyrealtor

Become a fan of my facebook page! – see blogroll to the right

Check out my website! – tiffismyrealtor.com (website currently under construction…hopefully not until 2011!)