Finding Solutions for your housing Needs

I'd like to talk to you today about finding solutions for the things that you need in your life. Let's not talk about excuses; or let's not get hung up on circumstances or the details. Let's find a way to help you do what you need to do.

First, let's talk about where we are in the market with Toronto Real Estate. We are about 1 percent off of last years pace. We are going to hit it by year end. The number of sales is almost the same as last year.

The prices, year over year, averaging now $525,000 for a detached house are about 10 percent higher than where we were last year. Sales will still occur going into the fall. There is a lack of inventory.

This lack of inventory is causing 10 and 15 percent increases in prices in the more desireable neigbourhoods like Markland Wood, Lorne Park, Watercolours, and Central Etobicoke, The better neighbourhoods, in the west end of Toronto.

So lets deal with these issues and how they might apply to you. With fall in the air, and a little cooler temperatures, you're going to be inside now for the winter. You have to decide if its the right time for you to sell. The market is buoyant, the times are hot, We can get you a good dollar for your house or unit. So first off.... Is the timing right for you to sell?

Secondly, you need to find someone who is an ASA Accredited Senior Agent who is working specifically in your neighbourhood in Etobicoke, West Toronto, South Mississauga, that can promote your home for sale, get you found on the internet, something other than the newspapers, yellow pages that don't work for us anymore.

Third and lastly, is my favourite. Pricing your home Properly for sale. It has to be priced based on the market evaluation, that's done on the historic values, trying to achieve those levels, not setting new ground. Pricing it too low will/may get you multiple offers, that may not neccessarily close. Your property may not appraise. [The Buyers] They may not get financed. You need to have your house sold and with homes selling in an average of 22 days on the market, being well priced will get you a sale, only a few hundred homes at every calender month end actually turn over and expire.

If you would like some experienced, informative and creative marketing to help sell your home, if you need to look after Mom or Dad's place for transition management, Give me a call at 647 218 2414. Call Now

Bully Offers in Toronto Real Estate Market

Bully Bully Bully Offers in the Toronto Real Estate Market

There is the school yard bully. Remember those taunts in school?

The same thing is happening in Toronto real estate. Some homes in desireable neighbourhoods are resulting in multiple offers. People would like to jump the que and pay above the asking price with what they call Bully Offers. Take my Offer Now! You may not have a chance later.

The reality is; in real estate there is always going to be another house or condo coming along. There are very much demand neighbourhoods, and demand houses, don't get caught up in the jump of the property. Take your time and buy prudently. It is a long term investment.

Your property needs to appraise for the purchase price or you are not going to get a mortgage. If you have 20% down, you cannot offer 25% over market value. Banks are doing strict appraisals based on what has sold. In my 23 years of real estate I have only had two that purchased for cash.

If you're going to be buying a property, you need to avoid these situations by shopping carefully, present a strategy, do a CMA (Comparative Market Analysis) on the property you would like to negotiate for. Sometimes, when the appointed offer date comes, there are no multiple offers at all. You might want to prepare one or two offers, just for that event, One if we are alone, Another if we are competing. Then you tell me what to do, or you might like to prepare an offer that says I'll pay you $500 more than the top offer. Then we get to see them all that are on the table.

If you would like to deal with someone with experience, panache, creativity and a bit of patience to work with you to find you that perfect property, in west Toronto, then give me a call at 647 218 2414

Please update your will Toronto

My personal effort to better serve the mature and senior markets in Toronto with informed and valuable topics.

After my previous video on preparing your home for sale, It became very apparent that number of people who had wills was about 52 PERCENT Of those that did have the will, 75% of those were not up to date as it pertained to Living Assets and a living Will Personal Care, and what you would like done if something happened to you.

I brought this up in conversation with Stan Gelman, who is a Family law, and Real Estate lawyer in Mississauga, and Stan suggested he could include the Wills in a real estate transaction or make special consideration for you if you are going to come and visit Stan Gelman for the Wills alone.

Stan Gelman can be reached at 905 270 5110 or you might want to check his website http://Wiselawyer.ca

Giving you cash back on a Purchase

Lets talk about giving you cash back on your Toronto home purchase

Everyday we are bombarded by countless offers from a wide variety of business. And if those businesses are online, they may be selling lots of sizzle. I have seen amazing claims, garish campaigns, ads and other marketing tactics selling shiny, glossy, exciting, fabulous things where it was clear that the majority of the attention was put on the sizzle.



Sizzle may land you a customer once, but if you don’t have the steak, those buyers don't come back and they won’t tell anyone else to come back with them. Or even worse, they will tell their network of people that you are all talk and no action.

Let's talk about buying houses, I provide an unmatched level of attention to detail and service when buying a home. Can I prove it. Sure! I have video testimonials on line. Past clients you can call.

But what about people who are giving you cash back to gain new clients.

Just So I understand ... You feel that a kick back of 15 hundred or 2 thousand is a huge amount towards closing and moving. I get it. But I can get you a mortgage at 2.2% for 5 years through my financial sources, that will probably save you $400 per month thru the next 60 mortgage payments.

So.... get 1500 now? or get $24,000 a bit every month.

While the US market is still soft with excess inventory, interest rates will be flat for the next two years. Toronto continues with fewer homes available and more bidding wars. We are a safe haven for families, business and money. The Ontario Golden Horse will continue to grow.

So, If you are looking for a property in the next few months, maybe its time to call an Accredited Senior Agent. Experience does have value. Hire someone who is persistent in getting things done

You can reach me at 647 218 2414 or email David@DavidPylyp.com

Why are you really moving?

What is actually driving you to make a decision right now to downsize?

1. Do you WANT to move, or do you feel you HAVE to move? When a senior contacts me about making a move, there are only 2 broad reasons that they are considering a move: they WANT to move to be closer to family, shopping, or to down- size, etc. The other reason is because they feel they HAVE to move due to health, financial, or other reasons. Discovering the real reason for your anticipated move will allow me to help you the best I can.

2. If you could stay in your home, would you? As an Accredited Senior Agent (ASA), I have learned of many programs that available to assist seniors in staying in their homes. These range from financial assistance for renovations that make the property more compatible to your changing needs, to in-home health care, meal delivery and much more. As the number and details of these programs are constantly changing, you need someone on your side who is in tune with these programs.

3. Have you researched all your options? . . . Many people I meet, are amazed at the range of options they have open to them when it’s time to make a move. For those, both homeowner and Realtor®, who do not focus on these options, the array can be overwhelming and add stress to an already emotional time. As an Accredited Senior Agent, I am trained and up-to-date on what the options are here, and have a network of similarly-educated professionals across the country who can help you if you are moving away.

4. Who are you getting advice from, about your living situation? . . . Family, friends, neighbours – they all mean well, and chances are they all have differing opinions. This often leaves you

feeling confused about what is best for you, while you try to keep everyone else happy too.

Well, don’t worry. I understand how you feel, and believe me when I say that many others in your situation have felt the same way. What they have found, however, is that having a knowledgeable counsellor, such as an Accredited Senior Agent, on their side goes a long way towards relieving the stress. At the same time, the ASA training helps me assure your ‘advice-givers’ that you are making good choices for you.

5. Is your Will up-to-date? . . . Studies show that some 48% of Canadians do not have a Will. Of the 52% that do have one, 75% of those are out-of-date. Getting this taken care of will alleviate pressure from you and ensure that your wishes are followed in the future. As an Accredited Senior Agent, one of the values I bring to you is a network of exceptional specialists, including lawyers who can prepare a Will for you if you don’t have one.

6. Do you have professional advisors? . . . A lawyer, accountant, tax planner? While everyone’s need for these professionals is different, there’s a good chance that we’ll be interacting with one or more of them as we move forwards. It will be helpful if you can give me their names and phone numbers when we meet. If you need a referral to an expert, I have some great people that I can recommend to you.

7. When was the last time you sold real estate? . . . . Things have changed significantly over the years, and continue to do so. I’ll take the time to make sure you are comfortable and informed, so you can make the best decisions for YOU. Even if that means you decide to stay where you are for now. As a counsellor, my primary role is to assist you (and anyone else you want involved) in coming to the best decisions for YOU.

8. What questions do you have for me? . . . When a question pops into your head, jot it down. You’ll notice when we sit down together that I will have a list of questions prepared and that I will be taking a lot of notes. I do this to make sure I don’t forget anything. I’ll even give you a copy of my notes for your convenience and reference.

I have received the Real Estate Academy designation ASA,which stands for Accredited Senior Agent. For mature buyers and sellers, there are special needs inclusive of needing knowledge of taxation and estate regulations. I am patient, I work with individuals and their family to always put their needs first. I am dedicated to negotiating the best possible deals for my clients.

The professional training and education I received earning the ASA allows me to represent sellers and buyers who need someone who understands their special interests.

Thank you to Christopher Newell and the Real Estate Academy that has developed the material and content for the Accredited Senior Agent Program. Please feel free to avail yourself of the video library. Call me at 647 218 2414 to arrange a personal visit or email david@davidpylyp.com.

Why are you really moving?

What is actually driving you to make a decision right now to downsize?

1. Do you WANT to move, or do you feel you HAVE to move? When a senior contacts me about making a move, there are only 2 broad reasons that they are considering a move: they WANT to move to be closer to family, shopping, or to down- size, etc. The other reason is because they feel they HAVE to move due to health, financial, or other reasons. Discovering the real reason for your anticipated move will allow me to help you the best I can.

2. If you could stay in your home, would you? As an Accredited Senior Agent (ASA), I have learned of many programs that available to assist seniors in staying in their homes. These range from financial assistance for renovations that make the property more compatible to your changing needs, to in-home health care, meal delivery and much more. As the number and details of these programs are constantly changing, you need someone on your side who is in tune with these programs.

3. Have you researched all your options? . . . Many people I meet, are amazed at the range of options they have open to them when it’s time to make a move. For those, both homeowner and Realtor®, who do not focus on these options, the array can be overwhelming and add stress to an already emotional time. As an Accredited Senior Agent, I am trained and up-to-date on what the options are here, and have a network of similarly-educated professionals across the country who can help you if you are moving away.

4. Who are you getting advice from, about your living situation? . . . Family, friends, neighbours – they all mean well, and chances are they all have differing opinions. This often leaves you

feeling confused about what is best for you, while you try to keep everyone else happy too.

Well, don’t worry. I understand how you feel, and believe me when I say that many others in your situation have felt the same way. What they have found, however, is that having a knowledgeable counsellor, such as an Accredited Senior Agent, on their side goes a long way towards relieving the stress. At the same time, the ASA training helps me assure your ‘advice-givers’ that you are making good choices for you.

5. Is your Will up-to-date? . . . Studies show that some 48% of Canadians do not have a Will. Of the 52% that do have one, 75% of those are out-of-date. Getting this taken care of will alleviate pressure from you and ensure that your wishes are followed in the future. As an Accredited Senior Agent, one of the values I bring to you is a network of exceptional specialists, including lawyers who can prepare a Will for you if you don’t have one.

6. Do you have professional advisors? . . . A lawyer, accountant, tax planner? While everyone’s need for these professionals is different, there’s a good chance that we’ll be interacting with one or more of them as we move forwards. It will be helpful if you can give me their names and phone numbers when we meet. If you need a referral to an expert, I have some great people that I can recommend to you.

7. When was the last time you sold real estate? . . . . Things have changed significantly over the years, and continue to do so. I’ll take the time to make sure you are comfortable and informed, so you can make the best decisions for YOU. Even if that means you decide to stay where you are for now. As a counsellor, my primary role is to assist you (and anyone else you want involved) in coming to the best decisions for YOU.

8. What questions do you have for me? . . . When a question pops into your head, jot it down. You’ll notice when we sit down together that I will have a list of questions prepared and that I will be taking a lot of notes. I do this to make sure I don’t forget anything. I’ll even give you a copy of my notes for your convenience and reference.

I have received the Real Estate Academy designation ASA,which stands for Accredited Senior Agent. For mature buyers and sellers, there are special needs inclusive of needing knowledge of taxation and estate regulations. I am patient, I work with individuals and their family to always put their needs first. I am dedicated to negotiating the best possible deals for my clients.

The professional training and education I received earning the ASA allows me to represent sellers and buyers who need someone who understands their special interests.

Thank you to Christopher Newell and the Real Estate Academy that has developed the material and content for the Accredited Senior Agent Program. Please feel free to avail yourself of the video library. Call me at 647 218 2414 to arrange a personal visit or email david@davidpylyp.com.

Hearthstone by the Bay - Retirement Condos

Community Profile 3 Marine Parade Dr., Hearthstone by the Bay.

Hearthstone by the Bay is a retirement and home care facility that is ahead of its time, located on the shore of Humber Bay in Toronto. [Etobicoke] Here you have all the services available in a nursing home, made available in a TSCC standard registered Condominium. With complete meal and wellness packages you only pay for the services you require, and add a la carte as you need or want more services. This permits you to budget and plan expenses and cash flow. This building was profiled years ago during the presentation phase, it is truly magnificent to walk through the finished product. There are new units still available as well as openly traded units on the MLS. Call for details and availability.

Our aging demographic makes this style of construction and combination of services a very timely product in Toronto's crowded condominium market. Back grounder from May's Lifestyles Magazine talks very plainly about the shift towards the benefits of condominium ownership, maintaining your privacy and independence yet availing yourself of the care and assistance that is available at Hearthstone by the Bay.

This not only encompasses food services, The dinner and lunch packages available at the Hearthstone Club permit you to bring invited guests or family members, the Club table is expanded according to your needs by merely calling to the front desk conceirge. Wellness Packages can include a Daily Home Helper, Personal Value Care, or Personal Assisted Living Plan. Each is an individual plan tailored to your needs by the skilled and helpful staff at Hearthstone. All features within the suite are designed to be age, design specific, grab bars in the bathroom and shower, raised power outlet and light switch paddles, Paddle style door knobs, 24 hour monitored smoke and fire alarm and ensuite laundry.

All the usual amenities appear plus;

• Formal Meeting Rooms, Internet Stations, Solarium
• Well Stocked and Read Library with soft leather couches and gas Fireplace
• Yoga or Fitness - Swimming Pool with Resistance equipment
• Wheel Chair Accessible
• Convenience Shop
• Sundeck area Patio
• Exercise Equipment in Gym
• Scheduled Excursions
• Movie Theater that doubles as Meeting and Worship Room.
• Nursing Station
• On Site Exam Rooms
• Barber, Hair and Beauty Salon

Have a look through the photostream for on site pictures. The Customer Relations Manager Jane Udell Jones provided a detailed and patient explanation oF services and features of living at Hearthstone By The Bay. I was pleased to note that Ms. Udell Jones was a specialist with a degree in Gerontology. We understand from the details provided that the average age of current population is 71 years young and socially active, making new friends.

If you are considering a downsizing package for Mom or Dad, and you see years of condominium living for them prior to a nursing home, a centrally located condominium complex with Independent and/or Supportive Living Retirement Residence may be a good selection for you to consider. Give us a call and we can arrange an interview for you. Trial stays can be arranged for a few days or a few weeks.