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Linda Klein Kamloops Real Estate Music in the park July 2015 Schedule

Sunday, July 5th, 2015

Music in the Park runs all summer long.

The free entertainment takes place 7 p.m. to 8:30 p.m., unless otherwise stated, each night at the Rotary Bandshell in Riverside Park, 100 Lorne St. All shows are rain or shine, but subject to change.

Included links to the bands, so you can check them out beforehand.

July

Riverside Park

July 1 – Canada Day celebrations

July 2 – Tiller’s Folly (Canadiana celtic)

July 3 – Greg Drummond (Canadian folk rock)

July 4 – Kingpins (classic rock)

July 5 – Gary Comeau and Cannery Row (Cajun)

July 6 – Nova Scotiables (East Coast)

July 7 – Beyond Brass (big band classics)

July 8 – Sean Ashby (Sarah McLachlan guitarist)

July 9 – Mike MacKenzie Blues Band (classic rock and blues)

July 10 – Hijacked by B.C. Living Arts – Tribute to Leonard Cohen, Bruce Cockburn and The Band with Van Damsel – 6:30 p.m.

July 11 – Hijacked by B.C. Living Arts – Tribute to Joni Mitchell, Neil Young and The Band with The Caspians and James Wolf – 6 p.m.

July 12 – Cécile Doo-Kingué (blues)

July 13 – 100 Mile House (English folk roots)

July 14 – Wild T and The Spirit (blues)

July 15 – Scattered Atoms (blues and R&B)

July 16 – Sally and the Melo Hearts (current and classic rock)

July 17 – Sabrina Weeks and Swing Cat Bounce (blues)

July 18 – Ben Klick (country rock)

July 19 – Impulse Response (R&B)

July 20 – Jane Perrett (classical soprano and showtunes)

July 21 – Ben Caldwell and the Folk Road Show (roots and folk)

July 22 – Cod Gone Wild (Maritime fun)

July 23 – BCLC Midsummer Music Jam featuring Catch 22 (1980s music)

July 24 – Sarah Burton (rockin’ roots pop)

July 25 – Sherman Doucette (blues harp)

July 26 – Dave Lang and the Insolent Rabble (swing jazz)

July 27 – Twin Peaks (duo)

July 28 – Tanner James Band (folk roots and country)

July 29 – Kirby Sewell Band (blues)

July 30 – The Longriders (Lynyrd Skynyrd tribute)

July 31 – Trama (rock)

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Spacious Rose Hill Rancher

Monday, June 29th, 2015

Open the door to your new home. Exclusive High Country Estates. 1 acre private lot backing onto green space, 20×40 inground pool, 3 decks, hot tub, gardens & magnificent views of city, river & mountains. This spacious rancher with daylight walk out basement & park like backyard offers space & privacy yet is only 10 mins to town. Main floor with updated kitchen, granite counter tops, walk in pantry & breakfast nook. Dining area open to spacious living room with built in cabinets, picture windows & 28′ deck with new glass railings. 3 bedrooms including master with w/i closet & sliders to deck with morning sun. Laundry & 2 piece bath with access to garage. Walk out basement features large family room, wet bar, fireplace with heatilator, office or music room with double insulated glass doors for soundproofing, bright bedroom, bathroom with sauna, hobby room, workshop & storage. Lower level deck has a built in hot tub. 26×22 garage, large driveway238A8617.238A8621

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Just Sold

Thursday, June 25th, 2015

West Pines Villas 46-650 Harrington Just Sold

Thank you for listing and buying with me, it was a pleasure and best of luck in your new home.

This home sold right away. Great location beside Dunes Golf Course.

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Linda Klein Kamloops Real Estate Weekly Mortgage rates for week of June 15th 2015

Tuesday, June 16th, 2015

DLC Weekly Rate Minder courtesy of Starr Webb

Terms Bank Rates Our Rates
6 Month 3.14% 3.10%
1 YEAR 2.89% 2.29%
2 YEARS 2.84% 2.19%
3 YEARS 3.39% 2.25%
4 YEARS 3.89% 2.54%
5 YEARS 4.64% 2.54%
7 YEARS 5.30% 3.39%
10 YEARS 6.10% 3.84%
Rates are subject to change without notice. *OAC E&OE
Prime Rate is 2.85%
Variable rate mortgages from as low as Prime minus 0.65%

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Linda Klein, Kamloops real estate. How to Finance your Renovation

Wednesday, June 3rd, 2015
Courtesy of Mark Bertoli, Abbott Wealth
Home improvement is always in fashion. But the big question for many homeowners isn’t what to do, it’s how to pay for it. There are many ways to secure the financing you need, and each has advantages in certain situations.

Home equity line of credit
A line of credit gives you access to a predetermined amount of credit on demand. Generally, you can borrow up to 75% of the appraised value of your home — up to 90%, if the line of credit is insured. You take what you need, when you need it, and pay interest only on the outstanding amount.

A line of credit secured against the value of your house will typically be issued at a lower rate than an unsecured loan or personal line of credit. Accessing the home equity line of credit is easy and convenient. You may have the option of writing cheques or using a credit card or bank card.

Repayment is also flexible. You can pay some or all of the outstanding balance at any time without penalty, or make interest-only payments.

Increase your existing mortgage
Increasing the amount of your mortgage may be the right renovation-financing option for you if your mortgage is coming due, if you are selling one house to buy another, or if you are taking out your first mortgage.

It may also be a smart move if you’re locked in to a long-term mortgage at a significantly higher rate than is currently available. In this case, any penalty you may incur could be offset by the savings in interest over the long term.

While this option lacks the flexibility of a line of credit, the advantage for many is knowing that the borrowed funds are structured to be paid back in a set amount of time. And interest rates can be fixed, if you choose — unlike a line of credit, which floats against prime.

A second mortgage
A second mortgage is just that — a mortgage that is in addition to your first mortgage. Like a first mortgage, a second mortgage is a loan with a specified rate of interest and repayment schedule.

A second mortgage can be a good choice for homeowners who are locked in to a longer-term mortgage, but wouldn’t benefit from breaking their first mortgage. Lending rates for a second mortgage may be higher than a first mortgage.

Like increasing your mortgage, this option trades repayment flexibility for the peace of mind of knowing the debt will be paid down if you stick to the repayment schedule. Every situation is unique. But we can help you determine your best option.

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Pre-approvals, more important and less concrete than ever

Wednesday, June 3rd, 2015
 Courtesy of Starr Webb Dominion Lending

Going through the pre-approval process is more important than ever to both you and your Realtor, but the actual term ‘pre-approval’ is potentially misleading.

You may be pre-approved for a certain mortgage amount, however there are still a number of variables that can enter the picture once an offer is accepted. That’s why it is imperative that one always include a clause in the offer along the lines of ‘subject to receiving and approving financing’. (There are variations to be discussed around the specific wording.)

Often clients are reluctant to write the initial offer on a property without feeling like they are 100% pre-approved.

An understandable desire. The risk, though, is that some may falsely believe that they have a guarantee of financing. They don’t.

A lender must review all related documents – not just those of the clients, but also those from the appraiser and the Realtor – as the property itself must meet certain standards and guidelines.

The pre-approval process should be considered a pre-screening – a first step only.

It does involve review and analysis of the client’s current credit report; it should also include a list for the client of all documents that will be required in the event that an offer is written and accepted. Clients should also come away from this initial process with a clear understanding of the maximum mortgage amount they qualify for, along with the various related costs involved in their specific real estate transaction. Equally important: with the completed application your broker is able to lock in rates for up to 120 days.

Why won’t a lender fully review and underwrite a pre-approval?

  • Lenders do not have the staff resources to review ‘maybe’ applications – they have a hard enough time keeping up with ‘live’ transactions.
  • The job you have today may well not be the job you have by the time you write your offer.
  • If more than four weeks pass, all of the documents are out of date – by lender standards – and a fresh batch needs to be ordered and reviewed.
  • The conversion rate of pre-approvals to ‘live transactions’ is less than 10%.

It is this last point that makes it so difficult to get an underwriter to completely review a pre-approval application as a special exception.

The bottom line is that a client’s best bet for confidence is the educated and experienced opinion of the front-line individual with whom they are directly speaking – and that’s their Mortgage Broker. This individual will not be the same person who underwrites and formally approves the live transaction when the time comes.

This disconnect between intake of application and actual underwriting of a live file makes having a ‘subject to receiving and approving financing’ clause in the purchase sale agreement so very important.

Perhaps the most significant factor in undermining the solidity of a client’s preapproval is the relentless pace of change of lending guidelines and policies – changes implemented not only by the Federal Government but also by the lenders themselves. It is very easy to have a pre-approval for a certain mortgage amount rendered meaningless just a few days later through changes to internal underwriting guidelines. Often these changes arrive with no warning and existing pre-approvals are not grandfathered.

It is absolutely worthwhile going through the pre-approval process before writing offers, and in particular before listing your current property for sale or accepting offers. This will give you a good idea of your maximum mortgage amount as well as securing a rate for you. It is a worthwhile endeavour.

Just be aware that aside from the key advantage of catching small issues early and securing rates, a pre-approval is not a 100% guarantee of financing.

But the good thing is, I can help you with this process!

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Kamloops Real Estate Linda Klein Kitchen Updates

Wednesday, April 1st, 2015
Home Improvement - Kitchens
This email was sent by Linda Klein of Royal LePage Westwin Realty- Kamloops
800 SEYMOUR Kamloops, BC, V2C2H5
Powered by Imprev 

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Wednesday, April 1st, 2015

WHAT IS CLUTTER

Courtesy of Cliff Brauner Pillar to Post Inspections

To be a clutter buster you’ve got to be able to identify which items are truly clutter, and which are not. Clutter can be insidious, because it can be almost anything, from obvious trash to the most expensive antiques.

The same object that may be clutter for one person is most certainly not for another person.

Here are five guidelines to use to decide if something in your space could be CLUTTER.

1. Clutter Can Be Anything – Cheap Or Expensive, Sentimental Or Throw Away
Know what is, and is not, clutter. Many people’s preconceived notion of clutter is true trash and cheap junk that we don’t care about at all. But remember “One man’s junk can be another man’s treasure.” Don’t automatically overlook something because it cost a lot of money. Even the most expensive things can be clutter.

2. Too Many of a Thing – is Clutter
Too much of a “good thing” happens when you amass a large selection of one particular item.

Collections can quickly turn from something that makes us happy into clutter if we’re not careful. Determine if these items are truly worth the while, or just items using up precious space.

A few of a particular item, such as shoes, clothes, or kitchen gadgets can provide temporary choice and variety. However, when you start to accumulate too many of a particular item it just becomes an overwhelming pile of clutter.

3. Items That Used To Be Functional – are Clutter
It often happens that we use an item for quite a while, and then our circumstances change and it is no longer quite as useful to us anymore. That’s when the item begins to collect dust in a corner – becoming clutter.

That’s the thing about clutter – it may have been useful stuff in the past. Be ever vigilant and notice when an item is no longer of use.

4. If You Don’t Have Room For It – It’s Clutter
You could have some really awesome stuff but if it doesn’t fit in your space, it’s clutter. This one is tough for even the most seasoned clutter buster, because people experience this all the time when downsizing. If it sits out collecting dust or becomes a tripping hazard, it just doesn’t belong there anymore.

Make sure you’re not devoting storage space to real clutter but make room for the important items. You only have so much space available. If you can’t make a home for something in your home, it unfortunately just doesn’t belong there.

5. If You Don’t Love or Use It – It’s Clutter
Everything in your home or office should, ideally, serve a purpose so you can live clutter free. It either helps you with something in your life or makes you feel something positive each time you see it.

If you’ve got too much stuff you simply can’t use all of it. After all, you can only wear so many clothes or shoes in a year!

You can only truly love so many things, and take the time to care for them, before you just don’t feel that attachment to those things anymore. Keep what’s important and ditch the rest!

Home Storage Solutions 101

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Kamloops Real Estate Linda Klein Kitchen ideas

Wednesday, April 1st, 2015
KITCHEN RENO”SHere are four “must-do” updates that ensure your remodeled kitchen will earn compliments from anyone who enters.

1. Faucet Facelift. Because of its constant use, updating the faucet will immediately improve the function and look of your prep space. Create a chic statement at the sink.

2. Amp up Accessories. Much like fashion, accessories can make a room. Hardware is the finishing touch that makes your space feel polished, but also serves a purpose.

3. Enhance the Lighting. Lighting is a critical element in kitchen design, both for its decorative and functional benefits. It can also make the space look roomier and more elegant. Install pendants over an island or countertop where the low-hanging fixtures won’t interfere with traffic flow.

4. Add Personality. Adding something pretty like a bouquet of flowers, new linens, or a bright new tea pot will bring life onto your space. You can also jazz up your kitchen with lively artwork. Whether it’s a professional painting or fun vintage posters, artwork helps complete your renovation.

Before starting demolition on your kitchen remodel, make sure the design is a reflection of you. By following these simple steps, not only will you have a kitchen that complements your lifestyle, you will also draw plenty of compliments from family and friends. So why not take your kitchen from make-do to magnificent.

Courtesy of Cliff Brauner Pillar to Post Inspections

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Kamloops real estate Linda Klein Easter weekend family activity

Wednesday, April 1st, 2015

Home | BC Wildlife Park Kamloops

Annual Easter Eggs-citement Event!
April 3, 4, 5, 6
9:30 am to 4:00 pm
(Last admission at 3:30 pm)

egg.JPG

Bring the whole family out to enjoy:

  • Uncle Chris the Clown

  • Vancouver Aquarium’s AquaVan will be at the Park on April 4th!
  • Pancake Breakfast 9:30 am to 11:00 am – $3/small or $6 for a hardy breakfast!
  • Easter Egg Hunts on the half hour – age 5 & under on the hour, age 6-12 on the half hour
  • Scavenger Hunt for kids 13 & over
  • Bouncy Castles
    $2 per ticket or $5 for three tickets (cash only)
  • Colouring Contest for kids 12 & under
  • Home Hardware Family Farm – 10:30 am to 3:30 pm
  • Wildlife Express Miniature Train – $1/person cash only

We are also holding a very special silent auction featuring some unique items! 

For more information please contact 250-573-3242 ext.226 or 259

 

Celebrating 50 Years of Caring for Wildlife!!

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