Trusted Tips and Resources

Trusted Tips & Resources

Easement and Title Insurance explained By Marla Janzen Trusted Saskatoon Real Estate Expert

As an award-winning  SASKATOON REAL Estate agent Marla Janzen knows the city and surrounding area extremely well. She strives to find her clients the perfect new place to live while negotiating the best terms and price possible. She has a keen eye for house layout and home staging, which really benefits her clients, most of whom are past client referrals! In her latest Saskatoon real estate tip Marla explains title insurance and easementMarla Janzen is a TRUSTED SASKATOON REALTOR® 

Easements and Encroachments on a Property


What is Property Easement?

Property easement is defined as the right to facilitate a fraction of a property for a specified purpose. A survey will help decipher the property boundaries that will prevent any issues from determining land ownership. An easement can allow another person to encroach on your property and even though the lines are declared within the survey, these boundaries may be crossed without the owner’s express permission.  An easement can be included in the title or deed to the property. A prime example of an express easement would be if the power company wanted to run power lines onto a property or a neighbour might even want to enter an agreement to share common parts of the property that extend into both boundaries.  

A prescriptive or implied easement can occur if the use of property continues over an extended period of time.  A good instance of this would be if a neighbour has been crossing a boundary line for years then that neighbour could have obtained a prescriptive easement that will allow him to legally cross the property line.  Also, a “right of way” easement is nothing more than the allowance of someone to cross onto the property in question.  

Many people forget when they are buying a house that they are actually purchasing the land the house is built on and the boundary that surrounds it.  If you were to build a shed in your back yard and it happened to cross the land boundary into the property of another person this could technically be handled in a legal manner. This is something that can be avoided with proper surveys being done and the use of specified easements.

What about Title Insurance?

Title Insurance is a policy issued to the mortgage lender to protect against a defect in title. In Saskatchewan, the Land Titles system guarantees ownership of your land by title. Title Insurance policies provide no information about your property.

Only a Surveyor’s Real Property Report can assure you of the extent of your property and warn of any possible problems. Most of the time people are not going to worry about a few yards here and a few yards there, however, the same people who are okay with the encroachment might not always live there so it always is a good idea to get your bases covered legally and legitimately. This will ensure that down the road you are not going to wind up paying fines and going through a legal process that will cause nothing but problems.

Marla guarantees to provide you with a stress-free, hassle-free, wonderful experience and we are sure once you have met her that you will not contact anyone else!

Marla Janzen is a TRUSTED SASKATOON REALTOR®

Trusted Saskatoon IT Pro’s at Burnt Orange Solutions Owner Shares His Top 2020 IT Recommendations

Gareth McKee and his Trusted Saskatoon IT team at Burnt Orange, promise to have a one-hour response time for all your IT support needs. Honesty and respect are important to them. They pride themselves on ensuring their clients understand IT concerns by providing a straightforward and reliable solution with exceptional service.  Burnt Orange Solutions are your Trusted Saskatoon IT Experts and in their latest Saskatoon IT tip Gareth shares his Top 4 IT tips for 2020. 

BURNT ORANGE SOLUTIONS TOP 4 IT RECOMMENDATIONS IN 2020



Gareth has worked in the IT and Telecoms industry in a variety of guises since 1993. Initially in the UK military Gareth had to master a variety of technologies from Morse Code to Computer and Network Security. Gareth has spoken at national level at IT conferences and is well known in the industry throughout North America and the UK. He has a passion for customer service and IT security and compliance. 

#1 Microsoft Office 365/MS Teams

Microsoft Office 365 allows you to download apps like Excel, Outlook, Word, and PowerPoint to your computer or mobile device. You can also use this suite of tools completely online where you can manage, share, store, and edit documents in folders, giving access to all of your team.

Aside from the more specific apps, Microsoft Teams also allows you to communicate with your teammates via video calls, email, and through an internal discussion platform where your colleagues can create posts or ask questions.

 

 #2 Managed IT Security

Now, thanks to the Covid 19 Pandemic of 2020, most of us are all working from home, the need for a thorough look at your IT security is a must. The best way for any business to secure their computers, and more importantly their valuable business data, is to hand this job task over to a professional IT security firm.

The specially trained and tooled security firms use state of the art hard and software to ensure the client’s company is as safe as can be, this is whether the data is all in an office and being accessed from other offices, homes, or even Mars. This is not as expensive as it sounds and should be number 1 on any business owners list of things to do.


#3 Access To Business Data

There are many ways in which your staff can access your business data, keeping your business running, from home safely.

  1. Virtual Private Network (VPN) – A VPN allows you to logically lay a network cable from your computer at home directly into the network at the office. The VPN traffic should be encrypted to ensure it is transmitted from your office to home securely.
  2. File Sharing Software – DropBox or OneDrive can be used to easily share your data around your staff. Two thoughts on these solutions: 1. Do not use these as a backup, they are not a backup solution; 2. Your staff will now have your business data at home on their PCs, how do you plan to remove this once you are back in the office or a staff member leaves the business?
  3. Remote Data Access – This style of access data at the office is newer than the 2 options above and is set to be a disrupter in this area. Using zero trust as a starting point of access to your data from any device, never actually moving the data offsite and yet still providing access to all your data. It is difficult to describe how this works in a short article, so I found this video from FileFlex which explains beautifully. 

Back up

#4 Backup For Everyone

With more staff now working from home, whether they are on a work laptop or their home computer, the need for a managed backup is paramount. As data gets slowly moved away from your central office server it would be beneficial if all your home computers backed up to a central point where it can be easily recovered.


And, while I am talking backup, a backup that is not tested is not a backup. You should test recover some of your data at least once per month, nothing sets of a panic like a backup which is thought to have worked, but in fact fails when the day comes that you need to recover. – Thanks Gareth

Burnt Orange IT Solutions Services:

'IT Support You Can Trust and Understand'

Burnt Orange Solutions are your Trusted Saskatoon IT Experts

Behind The Brand- Marla Janzen Trusted Saskatoon REALTOR ®

Behind The Brand is a Trusted Saskatoon video series where we meet the partners and get to know who they are as people. Sara Wheelwright, the founder of Trusted, interviews them in a relaxed atmosphere and we get to know who they are, what motivates them and why they can be trusted!   

Behind The Brand #1 
Meet Marla Janzen, an award-winning Trusted Saskatoon and Area Real Estate agent. Marla strives to find her clients the perfect new place to live while negotiating the best terms and price possible. She has a keen eye for design and home staging, which really benefits her clients. Find out who she is, why she chose real estate and what motivates her.  


 



Marla guarantees to provide you with a stress-free, hassle-free, wonderful experience and we are sure once you have met her that you will not contact anyone else!

Marla Janzen is a TRUSTED SASKATOON REALTOR®


Trusted Saskatoon Mortgage Brokers Share Advice On Revenue Properties

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you.

CONSIDERING A REVENUE PROPERTY IN SASKATOON?

When it comes to a revenue property having options and the best rate possible are at the top of the list. 

Buying an investment property is a popular option for Canadians looking at different ways to invest their money. However, unlike the mortgage you took out on your principal residence, financing an investment property is a little more complex. 


1. How Many Revenue Properties


The number of units in the building and whether or not you'll be occupying one of the units are the two major components that control what your financing will look like. When you start shopping around for an investment property, the first thing you need to consider is the number of units your building will have. Most buildings with 1-4 units are zoned residential, so the qualification criteria and financing options from lenders are only slightly more difficult than that of a mortgage similar to what you have on your principal residence. If it's a multi-unit property, the second thing to consider is if you, the owner, will be living in one of the units or not. If you will be occupying one of the units, the property would be considered owner-occupied. If all of the units will be rented out, your property would be considered non-owner occupied.


However, buildings with 5 or more units are zoned commercial, so a lender would require that you take out a commercial mortgage on it. With a commercial mortgage, the qualification criteria is even tougher to meet and interest rates are often much higher. 


2. Downpayment 


An investor will have to put down at least 20 percent to buy a property from a typical bank... On top of the down payment, an investor will have to pay closing costs, which can range from two to four percent of the loan amount. 

 



Trusted Saskatoon Real Estate Agent Marla Janzen Shares 5 Reasons To Sell Now

Marla Janzen is an award-winning SASKATOON REAL Estate expert she takes action to sell her client's homes and find them the perfect new place to live while negotiating the best terms and price possible. She loves what she does and takes great pride in providing excellence in customer service to all of her clients. 

Marla Janzen is a  TRUSTED SASKATOON REAL ESTATE EXPERT listed on the SASKATOON DIRECTORY and she loves to provide Trusted Saskatoon real estate Tips that help the public! In her latest article she shares some tips on when to sell...hint it is now! 


Why You Should Consider Selling Before The Traditional Selling Season. 


Are You Thinking About Selling Your Home In Saskatoon, Warman and Surrounding Area?


 


A common thought in real estate is never list your home in the winter offseason.  Perpetuated by industry experts, agents and repeat sellers alike, this saying encourages many would-be sellers to wait until the spring peak to list their homes.  However, studies show that homes listed in the winter offseason not only sell faster than those in the spring, but sellers also net more above their asking price at this time.  Don’t wait until spring to sell.  


If you’ve been thinking of selling your home, here are five compelling reasons to list now.

 

1. Take advantage of low inventory in Saskatoon and area housing market. 


Since most sellers are waiting until spring to list, local inventory falls during the offseason. However, there are still motivated buyers who are ready to move now and don’t want to wait that long to purchase a home.  According to the National Association of Realtors, 55 percent of all buyers purchased their home at the time they did because “it was just the right time.”  These eager buyers may flock to your home.  You may not need to try as hard to make your home stand out in the sea of other similar homes.  With less competition, more buyers, some of whom may have otherwise overlooked your home if you listed during the peak, will express an interest to buy.  While you’ll likely have fewer showings in the offseason, buyers who do visit will be more serious about writing an offer.  Your home will likely sell faster than it would have during the peak season.


2. Set a higher listing price. 


Homes sold during the offseason sell at a higher price, on average, than those sold during the spring and summer peak.  There are many reasons for this.  First, motivated buyers are willing to pay closer to the asking price for a home.  Second, homes are more likely to be priced right and reflect the economics of not only the local market, but the neighbourhood as well.  Often, homes listed during the peak may be priced to compete with other homes in the area and neighbourhood.  Sellers may be pressured to sell for less than the list price in order to encourage buyers to choose their home out of the others on the market.


3. You’ll receive more attention. 


While our team always strives to give you the personal attention you deserve, when you list during the offseason, we’re able to work more closely with you to ensure your home is prepared for its debut on the market.  We can also take more time to answer your questions, address your concerns and prepare you and your home for the sale.

Additionally, if you’d like to hire a tradesperson to handle routine maintenance or undertake a minor home renovation before you list, you may be able to take advantage of flexible scheduling and cheaper rates.  Many of these professionals experience a winter offseason as well, and they will be able to focus their time and attention on you and your project.

 

4. Easier to maintain curb appeal. 


Curb appeal is intended to attract the buyers who are just driving by as well as those who saw your home online and wanted to see it in-person.  It sets the stage for what interested buyers can expect when they step foot in the home during a showing or open house.  If you list your home during the peak of the selling season, you may exhaust your time your energy maintaining curb appeal.  You’ll likely spend most of your free time mowing the lawn, weeding, trimming shrubs and hedges, planting flowers in pots and in flowerbeds, pulling spent blooms and watering it all to ensure it looks lush and healthy on a daily basis.  After all, a lush landscape will attract potential buyers and set your home apart from other similar homes in the area.

The offseason eliminates the pressure to maintain a picture-perfect front landscape.  Since most grass, shrubs and plants go dormant at this time of year, you’ll have less to maintain.  If you live in an area that experiences a traditional winter, your landscape will be covered with snow.  Even if you live in a milder climate, you may not have to mow as often, if at all.  It’s still important to ensure your exterior appears well-tended, so make sure your walkway and front porch remains free of snow, ice and debris.

 

5. Tap into the life changes of buyers. 


Many buyers receive employee raises and bonuses at the end of the year.  If they’ve been saving to buy a home, this extra money may allow them to reach their goal for a down payment and put them on the path to becoming a homeowner.  Additionally, companies often hire new employees and relocate current ones during the first quarter of the year, creating a strong demand for housing.  If you live in an area that’s home to a large company or has a strong corporate presence, this may be the perfect time to list.

 

 
Thinking of Listing in the Offseason? 3 Things to Do Before You List

 

Get your home ready to list by following these tips.

 

1. Schedule maintenance. 


Buyers, especially first-time buyers, want a home they can move into right away; they don’t want to repair the roof or the furnace or replace windows with blown thermal seals before they move in.  Do the scheduled maintenance and make repairs before you list your home for sale.

In some cases, it may help to have an inspector do a pre-inspection of your home.  A pre-inspection will make you aware of any major, potentially deal-killing, issues that will have to be addressed before you list.  It also gives you an idea of minor issues that a potential seller may want repaired.  Overall, it helps you to accurately price your home and may protect you from claims a buyer might make later.

 

2. Create light. 


Balance out the lack of natural light outdoors by turning the lights on inside.  Since people naturally tend to buy emotionally, turning on the lights helps create a sense of warmth and coziness.  Light a fire in the fireplace, if you have one, fill your home with the scents of the season, such as vanilla or fresh baked cookies, and put a throw blanket on your sofa.

If you plan to paint the interior of your home before you list, consider an off-white shade to create consistency throughout your home and make the space feel larger and brighter.  If you have photos of your garden or the home’s exterior in the spring or summer, display them so interested buyers can get a glimpse of what the home looks like in other seasons.

 

3. Give your home a thorough cleaning. 


Cleaning puts your home in its best light.  Clean and polish all the horizontal surfaces of your home, including countertops, windowsills and baseboards; have the curtains dry cleaned or otherwise laundered; wash windows, glass doors and their tracks; vacuum carpeting and polish all wood surfaces, including the floor.

Additionally, this is a great time to pack any personal items and family photos as well as sort through your belongings and donate items you no longer use.  This not only eliminates any clutter, but it also gives you less to pack and move when you sell.

 

If you’re thinking of selling your home in Saskatoon, Warman, Martensville and area give Marla Janzen a call!  


 I would love to help you position your home to sell in our market. I take action to sell my client’s homes and find them the perfect new place to live while negotiating the best terms and price possible. I truly love what I do and take great pride in providing excellence in customer service to all of my clients. Marla Janzen





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