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	<title>TeamFisher.com &#187; home life</title>
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	<link>http://teamfisher.com</link>
	<description>We&#039;re bringing Saskatoon real estate to life</description>
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		<title>I have a huge favour to ask of you and I’m really hoping you will help</title>
		<link>http://teamfisher.com/i-have-a-huge-favour-to-ask-of-you-and-im-really-hoping-you-will-help/</link>
		<comments>http://teamfisher.com/i-have-a-huge-favour-to-ask-of-you-and-im-really-hoping-you-will-help/#comments</comments>
		<pubDate>Wed, 02 May 2012 21:51:39 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[neighbourhood news]]></category>
		<category><![CDATA[teamfisher news]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[saskatoon]]></category>

		<guid isPermaLink="false">http://teamfisher.com/?p=11907</guid>
		<description><![CDATA[I have a huge favour to ask of you and I’m really hoping you will help. On May 12, Royal LePage will host a “National Garage Sale for Shelter” and our Saskatoon office is participating.  All of the proceeds raised in Saskatoon will benefit local women and kids seeking shelter at the YWCA Crisis Shelter [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft" title="Royal LePage National Garage Sale in Saskatoon" src="http://teamfisher.com/images/teamblog/garage_sale_for_shelter.jpg" alt="" width="300" height="472" />I have a huge favour to ask of you and I’m really hoping you will help.</p>
<p>On May 12, <a href="http://www.royallepage.ca">Royal LePage</a> will host a “National Garage Sale for Shelter” and our Saskatoon office is participating.  All of the proceeds raised in Saskatoon will benefit local women and kids seeking shelter at the <a href="http://ywcasaskatoon.com/main/crisis-shelter-and-residence/">YWCA Crisis Shelter</a> and <a href="http://www.saskatoonintervalhouse.org/">Interval House</a>.</p>
<p>Often, these people are fleeing homes where they’re being abused. Yes, there’s a lot of that going on, even here in our lovely city. When these people finally gather the courage to make a break they need a place to go. <a href="http://www.royallepage.ca/shelter">The Shelter Foundation</a> is all about ensuring that they have a safe place where they can get a fresh start.</p>
<p>We need stuff to sell. Decent stuff that people will pay for.</p>
<p>Please, do me a big favour and look around your home for a few good items that you no longer use, things that others might find useful. If you can make the time, drop them by my office at <a href="http://g.co/maps/4mnge">620 Heritage Lane</a> before May 11 between 8:30 am and 5:00 pm.  If you can’t make it by, drop me a note (<a href="http://teamfisher.com/contact/">my contact information is all here</a>) and we’ll make sure your items gets picked up.</p>
<p>Then, drop in on May 12. We’ll be here from 9:00 am until 3:00 pm selling burgers and baking, and hosting one huge garage sale.</p>
<p>A quick click of the &#8220;Like&#8221; button at the top or bottom of this post to help us spread the word would be hugely appreciated as well.</p>
<p>By the way, the proceeds of this National Garage Sale and those conducted in the past will most likely blast past the $1 million dollar mark this year. Through agent commission donations and the fundraising activities of the Royal LePage network, we have raised more than $14 million to help provide a safe haven to more than 30,000 women and children each year and to support prevention programs that stop the cycle of family violence. Tens of thousands of dollars have been raised to benefit Saskatoon shelters. It’s a darned good cause and it makes a huge difference for many, even here in our lovely city.</p>
<p>Thanks so much for your support.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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		<title>Controlling allergens in the home</title>
		<link>http://teamfisher.com/controlling-allergens-in-the-home/</link>
		<comments>http://teamfisher.com/controlling-allergens-in-the-home/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 15:10:34 +0000</pubDate>
		<dc:creator>Bradly George</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[maintenance]]></category>

		<guid isPermaLink="false">http://teamfisher.com/?p=11859</guid>
		<description><![CDATA[Household allergens can cause a variety of symptoms in many people, including sneezing, watery eyes, coughing, and shortness of breath. Allergens may also be a contributing cause of asthma, especially in children. However, it is possible to minimize the effects of such allergens by taking steps to control their presence and dispersal in the home. [...]]]></description>
			<content:encoded><![CDATA[<p>Household allergens can cause a variety of symptoms in many people, including sneezing, watery eyes, coughing, and shortness of breath. Allergens may also be a contributing cause of asthma, especially in children. However, it is possible to minimize the effects of such allergens by taking steps to control their presence and dispersal in the home.</p>
<p>The most common household allergens include dust mites, mold, mildew, pollen, and pet dander (dried flakes of skin shed by pets, particularly cats and dogs). Effective control relies on a combination of measures that, when used properly, will reduce the levels of allergens.</p>
<ul>
<li>Increase ventilation to the home. Opening windows whenever possible promotes good air exchange and will reduce the concentration of airborne allergens, especially pet dander.</li>
<li>Wash bedding and stuffed toys once a week in hot water to control dust mites and cat allergens in particular.</li>
<li>Keep pets clean and well groomed to control dander.</li>
<li>Use mite-resistant mattress covers and pillow covers and wash these frequently.</li>
<li>Dust and vacuum regularly, and use microfiltration or HEPA filter vacuum bags. The jury is still out on whether bagless vacuum cleaners are more effective in removing allergens than those that require bags; some studies indicate that many bagless vacuums are not sealed tightly enough and can actually exacerbate the problem. Wearing a dust mask while dusting and vacuuming is also a good idea.</li>
<li>Consider removing wall-to-wall carpeting and use easily cleaned area rugs instead, particularly in bedrooms.</li>
<li>Make sure bathrooms, especially those with showers, are well ventilated. Open the window and use exhaust fans that vent to the outdoors to prevent a buildup of moisture, which can encourage growth of mold and mildew.</li>
<li>If possible, reduce indoor humidity to 50% or less by using room dehumidifiers or the dehumidifier feature available with many central air conditioning systems.</li>
<li>Clean or replace furnace and central air conditioner filters on a regular basis. Make sure that air conditioner drain pans are clean and allow the water to drain properly.</li>
</ul>
<p>Feel free to contact me with inspection related questions at 306-956-6760, or by email at bradly.george@pillartopost.com.</p>
<p>Bradly George<br />
Pillar to Post Home Inspections</p>
]]></content:encoded>
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		<title>Forty-seven percent of couples argue about cleaning: Cool house cleaning facts</title>
		<link>http://teamfisher.com/forty-seven-percent-of-couples-argue-about-cleaning-cool-house-cleaning-facts/</link>
		<comments>http://teamfisher.com/forty-seven-percent-of-couples-argue-about-cleaning-cool-house-cleaning-facts/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 21:15:37 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[fun]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[surveys and studies]]></category>

		<guid isPermaLink="false">http://teamfisher.com/?p=11824</guid>
		<description><![CDATA[It&#8217;s not everyday that you think about house cleaning. Well, actually, you probably do think about house cleaning most days but I expect that it&#8217;s rare that you actually think about house cleaning facts outside of the regular scrubbing, dusting, washing and such. I stumbled across this awesome infographic today that details some interesting facts [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s not everyday that you think about house cleaning. Well, actually, you probably do think about house cleaning most days but I expect that it&#8217;s rare that you actually think about house cleaning facts outside of the regular scrubbing, dusting, washing and such. I stumbled across this awesome infographic today that details some interesting facts about house cleaning and I thought I&#8217;d share it here.</p>
<p>The infographic was produced by the <a href="http://goldenshine.com/" target="_blank">Golden Shine Cleaning Company</a> in San Diego. While you may never have the opportunity to use their services at home, you may find their website handy, particularly their <a href="http://goldenshine.com/blog/archives.php" target="_blank">archive of blog articles</a> where you&#8217;ll find all kinds of great house cleaning articles, several on health friendly ways to clean.</p>
<p style="text-align: center;"><img class="aligncenter" title="House cleaning facts, and info graphic" src="http://teamfisher.com/images/teamblog/house_cleaning_facts.jpg" alt="" width="600" height="1932" /></p>
]]></content:encoded>
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		<title>Prospective renters should beware of online scams for rental homes</title>
		<link>http://teamfisher.com/prospective-renters-should-beware-of-online-scams-for-rental-homes/</link>
		<comments>http://teamfisher.com/prospective-renters-should-beware-of-online-scams-for-rental-homes/#comments</comments>
		<pubDate>Sat, 03 Mar 2012 18:10:45 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[rental]]></category>
		<category><![CDATA[saskatoon]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://teamfisher.com/?p=11586</guid>
		<description><![CDATA[You&#8217;re browsing online classified ad sites looking for a place to rent, when suddenly, one of those offers that seems too good to be true sits before you. In all likelihood, it&#8217;s not true. This ongoing scam usually targets houses that are legitimately for sale. Online fraudsters grab details of the home from an Internet [...]]]></description>
			<content:encoded><![CDATA[<p>You&#8217;re browsing online classified ad sites looking for a place to rent, when suddenly, one of those offers that seems too good to be true sits before you. In all likelihood, it&#8217;s not true.</p>
<p>This ongoing scam usually targets houses that are legitimately for sale. Online fraudsters grab details of the home from an Internet posting and advertise the home for rent, typically requesting a very reasonable deposit and a pretty attractive monthly rent. The &#8220;owner&#8221; will almost certainly be out of the country right now, or otherwise unavailable to show you the home in person and will suggest that you &#8220;just drive by and have a look from the outside.&#8221;</p>
<p>When you see what an amazing deal it is, you quickly agree to his/her terms and forward the requested deposit, which of course, you never see again.</p>
<p>Don&#8217;t &#8220;rent&#8221; a property that you can&#8217;t get access to. If you view a home and want to rent it, don&#8217;t be afraid to ask the person showing you the property for some form of identification. If they won&#8217;t provide it, be suspicious. Never do this kind of a deal online.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>Mold: A growing problem in the home</title>
		<link>http://teamfisher.com/mold-a-growing-problem-in-the-home/</link>
		<comments>http://teamfisher.com/mold-a-growing-problem-in-the-home/#comments</comments>
		<pubDate>Sat, 03 Mar 2012 16:02:52 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[buyer tips]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[defects]]></category>
		<category><![CDATA[maintenance]]></category>

		<guid isPermaLink="false">http://teamfisher.com/?p=11576</guid>
		<description><![CDATA[I happened across this video today and I thought it was worth re-posting here. Its a report done by CBC in Ottawa about mold in the home. In my experience, it&#8217;s not unusual to find traces of mold in resale homes. As the video suggests, some of them are toxic while others pose far less [...]]]></description>
			<content:encoded><![CDATA[<p>I happened across this video today and I thought it was worth re-posting here. Its a report done by <a href="http://www.cbc.ca/ottawa" target="_blank">CBC in Ottawa</a> about mold in the home.</p>
<p>In my experience, it&#8217;s not unusual to find traces of mold in resale homes. As the video suggests, some of them are toxic while others pose far less of a health risk. In any case, if you notice the presence of mold in a property you&#8217;re interested in buying it&#8217;s definitely worth having tested. The cost of remediation can be significant if the mold is toxic and at an advanced stage.</p>
<p><object width="480" height="322" ><param name="movie" value="http://www.cbc.ca/video/swf/UberPlayer.swf?state=sharevideo&#038;clipId=2203871645&#038;width=480&#038;height=322" /><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><embed src="http://www.cbc.ca/video/swf/UberPlayer.swf?state=sharevideo&#038;clipId=2203871645&#038;width=480&#038;height=322" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480"height="322" /></object></p>
<p>A company like <a href="https://www.facebook.com/pages/ciaqi-Canadian-Indoor-Air-Quality-Investigators/224957294253789?sk=wall" target="_blank">Canadian Indoor Air Quality Investigators</a> or <a href="http://gotmold.ca" target="_blank">Got Mold?</a> can assist you with testing if you discover traces of mold in your home or in one that you&#8217;re considering. They&#8217;re both well equipped to remediate as well.</p>
<p>CMHC has also published a helpful guide titled, <a href="http://www.cmhc-schl.gc.ca/en/co/maho/yohoyohe/momo/momo_005.cfm" target="_blank">Fighting Mold &#8211; A Homeowners Guide</a> that&#8217;s worth checking out.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>Samsung&#8217;s smart window technology coming to a home near you?</title>
		<link>http://teamfisher.com/samsungs-smart-window-technology-coming-to-a-home-near-you/</link>
		<comments>http://teamfisher.com/samsungs-smart-window-technology-coming-to-a-home-near-you/#comments</comments>
		<pubDate>Sun, 15 Jan 2012 15:57:12 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[renovation]]></category>
		<category><![CDATA[technology]]></category>

		<guid isPermaLink="false">http://teamfisher.com/?p=10701</guid>
		<description><![CDATA[I happened across a video that was shot at the 2012 Consumer Electronics Show in Las Vegas, which showcases Samsung’s Smart Window technology. It’s amazing! As a window, it does everything that you might expect, allowing light into the home and keeping the weather out. At it’s core, it’s so much more. The transparent touchscreen [...]]]></description>
			<content:encoded><![CDATA[<div>I <a href="http://agbeat.com/tech-news/samsung-turns-windows-into-giant-touchscreens/">happened across a video</a> that was shot at the <a href="http://www.cesweb.org/">2012 Consumer Electronics Show</a> in Las Vegas, which showcases <a href="http://www.samsung.com/ca/">Samsung</a>’s Smart Window technology. It’s amazing!</p>
<p>As a window, it does everything that you might expect, allowing light into the home and keeping the weather out. At it’s core, it’s so much more. The transparent touchscreen is home base for the display of digital media and widgets including weather, twitter, web browsing, and so on.</p>
<p>At the right price, it’s got great potential as the family media centre where a large screen television might be difficult to incorporate into the room.</p>
<p>The <a href="http://youtu.be/m5rlTrdF5Cs">video that I initially saw</a> said that Samsung intends to enter a mass production stage in the next couple of months. A <a href="http://www.engadget.com/2012/01/15/Samsung-OLED-Transparent-Smart-window-CES-update/">post on Engadget </a>says it’s still in the concept stage. In any case, check it out.</p>
<p><iframe width="560" height="315" src="http://www.youtube.com/embed/mTVPVobDrms" frameborder="0" allowfullscreen></iframe></p>
<p>I’m always happy to answer your Saskatoon real estate questions. All of my contact info is<a href="http://teamfisher.com/contact/"> here</a>. Please feel free to call of email me.</p>
<p>Get the most current market intelligence with our FREE Market Snapshot including prices of homes recently sold in your area. Get it<a href="http://teamfisher.com/saskatoon-real-estate-market-snapshot.php"> here</a>, now.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p></div>
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		<title>My Saskatchewan winter home maintenance list</title>
		<link>http://teamfisher.com/my-saskatchewan-winter-home-maintenance-list/</link>
		<comments>http://teamfisher.com/my-saskatchewan-winter-home-maintenance-list/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 12:15:40 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[saskatoon]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=5073</guid>
		<description><![CDATA[This post was originally published in October of 2009. I thought it might be a good time to kick it back to the top of the list. Like it or not, winter is coming and now is the time to get your home ready for it. A few hours looking after some preventative home maintenance [...]]]></description>
			<content:encoded><![CDATA[<p><strong><em>This post was originally published in October of 2009. I thought it might be a good time to kick it back to the top of the list.</em></strong></p>
<p>Like it or not, winter is coming and now is the time to get your home ready for it. A few hours looking after some preventative home maintenance items may save you from dealing with costly emergency repairs when everyone else is looking to have something fixed and service people are stretched thin.</p>
<p>Here is a list of things we should all be looking after over the next couple of weeks to keep our Saskatoon homes in tip-top shape, and our families safe living in them.</p>
<p>If I&#8217;ve missed something that you feel should be added to my list please leave a comment below.</p>
<h3>On the inside</h3>
<ul>
<li>Consider having your home heating system professionally serviced to ensure reliability and efficient operation through the long winter.</li>
<li>Change the furnace filter, ensure that the furnace chimney is sound and free from obstructions and that the furnace has an adequate source of fresh air.</li>
<li>If you don’t already have one, consider a humidity control system for your home to keep air comfortable.</li>
<li>Consider a programmable thermostat to save on energy costs and maintain maximum comfort.</li>
<li>Tune up the hot water system, perhaps even draining and refilling the tank to remove sediment build up from the bottom of the tank.</li>
<li>Have a professional inspect and clean fireplaces and chimneys for safety and efficiency.</li>
<li>Test and service your smoke and carbon monoxide detectors to ensure that they are operational. Replace the batteries, whether they need it or not.</li>
<li>Add weather-stripping as required on the inside of doors and windows.</li>
<li>Purchase and install window insulation kits to cover inefficient windows from the inside to prevent heat loss and ice build up on windows.</li>
<li>Give ceiling fans a quick cleaning, oil the motors, and reverse the direction in which they turn to push warm air back down into the room.</li>
<li>Remove window-mounted air conditioners and cover central air conditioning units to keep the snow off of them.</li>
<li>Clean your clothes dryer vent from the inside and the outside of the house to remove potential obstructions.</li>
<li>With several additional hours of daily darkness just around the corner consider installing night lighting in hallways especially around staircases and hallways.</li>
</ul>
<h3>On the outside</h3>
<ul>
<li>Have a walk around the roof of your home to look for loose, damaged or missing roofing material. Inspect for cracks in the flashing seals around skylights, chimneys and vent stacks.</li>
<li>While you’re up there, give the gutters a quick cleaning to make sure that water can run freely in the spring. Clogged gutters can allow water to back up against the house causing damage to roofing material and siding. Worse, excess water will fall over the outside edge of the gutter reaching the ground near your foundation wall. Finally, excess build-up in gutters produces stress to the systems supporting the gutter and can reduce life.</li>
<li>Make sure that the extensions on your downspouts are carrying water four to five feet from the foundation wall and that the grading of soil surrounding the house is diverting the flow of water away from the foundation wall, and not towards it.</li>
<li>Terminate the water source to all exterior taps and sprinklers and open all exterior valves to ensure proper and complete drainage.</li>
<li>Underground sprinkler systems should be blown out to prevent water lingering below ground in the system’s pipes from freezing.</li>
<li>Tidy up your landscaping by pruning shrubs and tree branches away from the house, particularly those that might encroach on the roof, gable venting or overhead utility lines.</li>
<li>Clear the areas around foundation walls to prevent build up of debris and leafy material, which can trap moisture at the foundation wall.</li>
<li>Inspect foundation walls and exterior vents to ensure that you’re not providing easy access to rodents seeking a warm place to stay over the winter.</li>
<li>Apply exterior caulking around windows and doors as needed. Even a small opening can allow a lot of heat to escape from your home. Homes with wood siding and windows that protrude past the siding material should only be caulked on the sides and at the top. Some opening beneath the sill provides an area through which moisture can escape from exterior walls.</li>
<li>Seal cracks in the exterior finish of buildings and cracks in flat concrete surfaces to prevent water penetration that can freeze and expand causing further damage.</li>
<li>Lubricate hinges including those on overhead garage doors.</li>
<li>Tune up electric garage door openers.</li>
<li>It’s time to put the summer toys away and crack out the winter goodies. You know, ice scrapers, shovels, snow blowers, etc.</li>
<li>Remove fuel from gas powered yard care equipment and run the equipment continuously until all remaining fuel has been burned.</li>
<li>If you do the Christmas lights thing, they’ll be a lot more fun to install in October than December.</li>
</ul>
<p>Wishing you all a wonderful and short winter.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Real estate geeks can follow our daily updates on Twitter <a href="http://twitter.com/norm_fisher">@Norm_Fisher</a>.</p>
<p>Our Saskatoon home search tool offers MLS listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. <a href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">Check it out here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>NDP unveils a comprehensive Saskatchewan housing strategy</title>
		<link>http://teamfisher.com/ndp-unveils-a-comprehensive-saskatchewan-housing-strategy/</link>
		<comments>http://teamfisher.com/ndp-unveils-a-comprehensive-saskatchewan-housing-strategy/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 19:08:35 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[economy]]></category>
		<category><![CDATA[home life]]></category>
		<category><![CDATA[programs and grants]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[saskatchewan]]></category>

		<guid isPermaLink="false">http://teamfisher.com/?p=9997</guid>
		<description><![CDATA[Last week, I wrote a brief post providing details on the Saskatchewan Party’s plan to provide a tax credit to first-time home buyers that would save then up to $1,100 when purchasing their first home. I’ve just been reviewing the housing strategy for the New Democratic Party (NDP), which is substantially more comprehensive. According to [...]]]></description>
			<content:encoded><![CDATA[<p>Last week, I wrote <a href="http://teamfisher.com/sask-party-promises-tax-credit-for-first-time-home-buyers/">a brief post</a> providing details on the <a href="http://saskparty.com/">Saskatchewan Party’s</a> plan to provide a tax credit to first-time home buyers that would save then up to $1,100 when purchasing their first home.</p>
<p>I’ve just been reviewing the housing strategy for the <a href="http://saskndp.ca/">New Democratic Party (NDP)</a>, which is substantially more comprehensive. According to their <a href="http://saskndp.ca/pub/document/SaskNDP-Platform.pdf">platform brochure</a>, the NDP plans to implement the following housing initiatives should they end up forming a government following the November 7 election.</p>
<ul>
<li>Rebating the PST on construction materials for new houses to be priced under $280,000; and</li>
<li>Rebating the PST on the first $10,000 in repairs to homes more than ten years old.</li>
<li>Investing $20 million into co-operative and community organizations to buy land for housing.</li>
<li>Providing first-time homebuyers a $2,000 grant to cover closing costs and other related expenses for homes purchased for under $280,000.</li>
<li>Offering interest-free loans to co-operatives and community organization building new housing stock.</li>
<li>Ending unfair rent increases through next-generation rent control. We will  introduce rent control that makes allowances for new construction and non-corporate landlords.</li>
<li>Investing $230 million to create 2,500 new public rental units, with 1,000 units dedicated to student accommodation, and to upgrade existing units by working with community organizations and co-operatives.</li>
<li>Making a commitment to end homelessness with $20 million targeted to a “Housing First” approach, based on the belief that a stable place to live is a basic right and a critical building block to helping individuals gain stability in their own lives.</li>
<li>Adding 750 new subsidized affordable assisted-living units, with special attention paid to building these onto long-term care homes so that couples who require different levels of care can stay together.</li>
<li>Providing a property tax rebate of $500 per year to senior homeowners and renters.</li>
<li>Introducing the Credit for Caring refundable tax credit of up to $1,000 per year to individuals providing care to elderly or disabled relatives or friends.</li>
<li>Guaranteeing Saskatchewan residents the lowest-cost bundle of utilities in the country.</li>
</ul>
<p>Read the NDP’s platform brochure <a href="http://saskndp.ca/pub/document/SaskNDP-Platform.pdf">here</a>.</p>
<p>Read the Saskatchewan Party’s platform brochure <a href="http://saskparty.com/uploads/Files/Sask%20Party%202011%20Election%20Platform.pdf">here</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of my contact info is <a href="http://www.teamfisher.com/contact/">here</a>. Please feel free to call or email.</p>
<p>Our Saskatoon home search tool offers MLS® listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. Check it out <a href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>Saskatoon program to provide down payment assistance to middle income renters</title>
		<link>http://teamfisher.com/saskatoon-program-to-provide-down-payment-assistance-to-middle-income-renters/</link>
		<comments>http://teamfisher.com/saskatoon-program-to-provide-down-payment-assistance-to-middle-income-renters/#comments</comments>
		<pubDate>Sat, 12 Feb 2011 15:05:07 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[mortgage and credit]]></category>
		<category><![CDATA[programs and grants]]></category>
		<category><![CDATA[saskatoon]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=9488</guid>
		<description><![CDATA[City council, this week, approved a new program that would provide down payment assistance to middle income renters. The objective of the program is to free up units in our low vacancy rental market while opening the door to home ownership for some who have the financial capability of servicing a mortgage but have not [...]]]></description>
			<content:encoded><![CDATA[<p>City council, this week, approved a new program that would provide down payment assistance to middle income renters. The objective of the program is to free up units in our low vacancy rental market while opening the door to home ownership for some who have the financial capability of servicing a mortgage but have not yet saved the required minimum down payment.</p>
<p>Billed as “the first program of its kind in Canada,” the Equity Building Program will be available to those who earn too much to benefit from social housing programs. This $3-million program will provide down payment loans to home buyers earning between $45,000 and $70,000 per year, who are currently renting a home in Saskatoon. As part of the arrangement, the home buyer agrees to pay back the loan, at a low interest rate, over a five-year period of time.</p>
<p>City planner, Alan Wallace is quoted in <a href="http://www.thestarphoenix.com/business/City+provides+home+loans/4241413/story.html">a story published in the Star Phoenix</a> on February 9. “House prices have risen dramatically. We think there are a number of households out there that are in rental situations that will find it extremely difficult to fund the down payment.</p>
<p>“What we’re concerned about is if incomes aren’t able to keep pace with house prices…people have a tendency to slide backwards on the housing continuum. We want them to move up.”</p>
<p>Interested parties can obtain full details on conditions and qualifiers from the <a href="http://www.affinitycu.ca/">Affinity Credit Union</a> in Saskatoon.</p>
<p>Read the Star Phoenix story <a href="http://www.thestarphoenix.com/business/City+provides+home+loans/4241413/story.html">here</a>.<br />
A television report from Global News is <a href="http://www.globalsaskatoon.com/video/index.html?releaseID=1786754179">here</a>.<br />
More details on the Affinity Credit Union website are <a href="http://www.affinitycu.ca/about-us/news-and-articles/equity-building-program/index.html">here</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of my contact info is <a href="http://www.teamfisher.com/contact/">here</a>. Please feel free to call or email.</p>
<p>Our Saskatoon home search tool offers MLS® listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. Check it out <a href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>$5900 luxury toilet does most of the bathroom work for you</title>
		<link>http://teamfisher.com/5900-luxury-toilet-does-most-of-the-bathroom-work-for-you/</link>
		<comments>http://teamfisher.com/5900-luxury-toilet-does-most-of-the-bathroom-work-for-you/#comments</comments>
		<pubDate>Wed, 22 Dec 2010 16:53:40 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[just for fun]]></category>
		<category><![CDATA[fun]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[renovation]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=9246</guid>
		<description><![CDATA[This fine piece of bathroom technology is built for those with more money than brains they know what to do with. However, if you’re looking to raise the level of comfort in the loo and you’ve got some bucks to throw around this toilet may be worth a look. First of all, it sees you [...]]]></description>
			<content:encoded><![CDATA[<div class="wp-caption alignleft" style="width: 310px"><a href="http://www.teamfisher.com/images/teamblog/regio.jpg" rel="shadowbox[sbpost-9246];player=img;"><img title="luxury toilet with automatic lid and flush, music player" src="http://www.teamfisher.com/images/teamblog/regio_small.jpg" alt="" width="300" height="168" /></a><p class="wp-caption-text">Click the image for a larger view </p></div>
<p><a href="http://www.inax-usa.com/innovation/integrated-toilet/index.html#AQautomatictechnology" target="_blank">This fine piece of bathroom technology</a> is built for those with more money than <s>brains</s> they know what to do with. However, if you’re looking to raise the level of comfort in the loo and you’ve got some bucks to throw around this toilet may be worth a look.</p>
<p>First of all, it sees you coming. As you approach the toilet, the lid begins to lift automatically and the seat warmer comes to life practically begging you to take a seat. Nighttime use brings additional surprises as the exterior of the bowl softly illuminates itself when you head its way. The interior is lit as well, a perfect feature for light duty deposits contributed by those who prefer to stand. He who stands misses at least half of the fun that this amazing toilet has to offer. Take a seat and it begins to make beautiful music eliminating all of the awkwardness that a silent bathroom brings at times like these. Odors are no problem either. The scented double deodorizer kicks into high gear to cover up that which cannot be masked by song. Finish your business and activate the hygienic cleaning device that treats the posterior to a warm water wash providing a “feeling of cleanliness like never before.” The warm air dryer leaves you feeling, well, dry. As you might expect of a unit of this caliber, the toilet completes its operation by flushing automatically and lowering the lid as you leave. This lid can’t be left up on purpose.</p>
<p>If you have $5900 U.S. that you can spare for a toilet, check it out <a href="http://www.inax-usa.com/innovation/integrated-toilet/index.html#AQautomatictechnology" target="_blank">here</a>.</p>
<p>Read also: <a href="http://www.teamfisher.com/an-aquarium-in-your-toilet-why-not-then-again-why/">An aquarium in your toilet?</a></p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://normfisher.ca/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>Housing affordability for Canadians erodes further despite downturn: RBC</title>
		<link>http://teamfisher.com/housing-affordability-for-canadians-erodes-further-despite-downturn-rbc/</link>
		<comments>http://teamfisher.com/housing-affordability-for-canadians-erodes-further-despite-downturn-rbc/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 13:04:11 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[market news]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[prices]]></category>
		<category><![CDATA[RBC]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[saskatchewan]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=8452</guid>
		<description><![CDATA[Canadians from coast to coast saw a higher percentage of their income going towards housing costs in the second quarter of 2010, largely driven by an increase in house prices and mortgage interest rates when compared against the first quarter. This marks the fourth consecutive time that RBC’s “Housing Affordability Measure” rose. According to the [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft" title="Chart displaying long term housing affordability trends in Canadian provinces" src="http://www.teamfisher.com/images/teamblog/rbc_affordability_2010_09.jpg" alt="" width="330" height="204" /></p>
<p>Canadians from coast to coast saw a higher percentage of their income going towards housing costs in the second quarter of 2010, largely driven by an increase in house prices and mortgage interest rates when compared against the first quarter. This marks the fourth consecutive time that RBC’s “Housing Affordability Measure” rose. According to the <a href="http://www.teamfisher.com/pdfreports/rbc_affordability_2010_09.pdf">Housing Trends and Affordability report</a> released by <a href="http://www.rbc.com/economics/index.html">RBC Economics</a> this morning, the increases have managed to consume roughly half of the improvements experienced in late 2008 and early 2009 when house prices in most areas of Canada cooled significantly.</p>
<p>The deterioration in affordability was seen across the country with the worst of it experienced in Ontario and British Columbia with the remaining provinces seeing “minor erosion.” Only Saskatchewan and Manitoba experienced some improvements, though they were limited to townhomes in the former and condominiums in the latter.</p>
<h3>In Saskatchewan</h3>
<p>“While home resale activity in Saskatchewan has been on a declining trend in recent months, home prices have held up to a large extent. In the second quarter, prices either appreciated moderately or edged lower just marginally, depending on the housing type. With mortgage rates rising during the quarter, affordability generally eroded some more in the province. RBC Housing Affordability Measures moved up between 0.6 and 1.5 percentage points (townhouses bucked the trend, edging lower by 0.1 percentage points). These increases pushed levels further above long-term averages, thereby indicating that some tensions may be building in the provincial market. Nonetheless, we expect that a strong rebound in the provincial economy this year and next will likely help ease such tensions.”</p>
<p>Read the entire report <a href="http://www.teamfisher.com/pdfreports/rbc_affordability_2010_09.pdf">here</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://normfisher.ca/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<slash:comments>47</slash:comments>
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		<title>Five cheap and easy earth friendly home improvements</title>
		<link>http://teamfisher.com/five-cheap-and-easy-earth-friendly-home-improvements/</link>
		<comments>http://teamfisher.com/five-cheap-and-easy-earth-friendly-home-improvements/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 15:32:03 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[going green]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=7539</guid>
		<description><![CDATA[You don’t have to be an environmental activist to understand that reducing your use of energy at home is good for the earth, and it’s good for the pocketbook. Even small changes can have a significant impact if everyone chips in. Perhaps you’re already well on your way down this path, but if not, here [...]]]></description>
			<content:encoded><![CDATA[<p>You don’t have to be an environmental activist to understand that reducing your use of energy at home is good for the earth, and it’s good for the pocketbook. Even small changes can have a significant impact if everyone chips in.</p>
<p>Perhaps you’re already well on your way down this path, but if not, here are five cheap and easy steps that you can take at home to get you started in the right direction, courtesy of the <a href="http://www.thegreenguide.com/home-garden/energy-saving/whole-house-quiz">Whole Home Quiz</a> from National Geographic.</p>
<h3>Caulking and Sealing</h3>
<p>Air leaks in your home can increase heating and air conditioning costs by as much as ten percent. Caulking and sealing them is cheap and easy, and doing it can cut your carbon footprint by as much as 865 pounds per year.</p>
<h3>Set your water heater to its optimal heating temperature</h3>
<p>Lowering the temperature of your water heater prevents scalding and reduces carbon emissions by up to 480 pounds per year. Temperatures in the range of fifty degrees Celsius tend to be about the right number to maximize savings.</p>
<h3>Check your furnace and air conditioner filters monthly</h3>
<p>Checking air conditioner and furnace filters monthly to be sure they’re clean improves the efficiency of your systems and can save you anywhere from five to fifteen percent on utility bills.</p>
<h3>Lower your home’s temperature by as little as one degree</h3>
<p>You can shave more than five percent off of your energy bill for every degree that you lower your thermostat below twenty-one degrees in the winter and two percent for every degree above twenty-two in the summer. Make it automatic and easy by installing a programmable thermostat.</p>
<h3>Install low-flow toilets</h3>
<p>Flushing generally accounts for more than one third of home water use. New and improved high-efficiency toilets use less than 1.3 gallons per flush, approximately sixty percent less than older models.</p>
<p>Are you interested in more ways that you can contribute to a healthier environment? Check out National Geographic’s <a href="http://www.thegreenguide.com/">Green Guide for Everyday Living</a>.</p>
<p>Have a happy <a href="http://www.thestarphoenix.com/life/Saskatoon+Earth/2937202/story.html">Earth Day Saskatoon</a>!</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of my contact info is <a href="http://www.teamfisher.com/contact/">here</a>. Please feel free to call or email.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>Home renovation tax credit deadline looms but there may still be time for you</title>
		<link>http://teamfisher.com/home-renovation-tax-credit-deadline-looms-but-there-may-still-be-time-for-you/</link>
		<comments>http://teamfisher.com/home-renovation-tax-credit-deadline-looms-but-there-may-still-be-time-for-you/#comments</comments>
		<pubDate>Sat, 30 Jan 2010 21:56:43 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[programs and grants]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[construction]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[renovation]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=5937</guid>
		<description><![CDATA[The opportunity to take advantage of Canada’s Home Renovation Tax Credit expires at midnight on January 31. Obviously, the clock has run out when it comes to hiring a contractor but a quick trip to your favorite home renovation store might be in order if home improvements are part of your plan over the next [...]]]></description>
			<content:encoded><![CDATA[<p>The opportunity to take advantage of <a href="http://www.teamfisher.com/how-to-take-advantage-of-the-home-renovation-tax-credit/">Canada’s Home Renovation Tax Credit</a> expires at midnight on January 31. Obviously, the clock has run out when it comes to hiring a contractor but a quick trip to your favorite home renovation store might be in order if home improvements are part of your plan over the next few months. Items purchased before the close of business this Sunday may qualify for a 15% tax credit up to $1,350.</p>
<p>More info <a href="http://www.teamfisher.com/how-to-take-advantage-of-the-home-renovation-tax-credit/">here</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Real estate geeks can follow our daily updates on Twitter <a href="http://www.twitter.com/norm_fisher">@norm_fisher</a>.</p>
<p>Our Saskatoon home search tool offers MLS listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. Check it out <a href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>Housing affordability in Saskatoon shows modest year-over-year improvement</title>
		<link>http://teamfisher.com/housing-affordability-in-saskatoon-shows-modest-year-over-year-improvement/</link>
		<comments>http://teamfisher.com/housing-affordability-in-saskatoon-shows-modest-year-over-year-improvement/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 17:40:23 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[market news]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[demographia]]></category>
		<category><![CDATA[prices]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[saskatoon]]></category>
		<category><![CDATA[surveys and studies]]></category>
		<category><![CDATA[trends]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=5933</guid>
		<description><![CDATA[I can’t imagine that it would come as much of a surprise to anyone that the cost of home ownership in Saskatoon has skyrocketed in recent years. According to the recently released “6th Annual Demographia International Housing Affordability Survey” owning a Saskatoon home priced at the median in Q3/2009 would have cost about 4.4 times [...]]]></description>
			<content:encoded><![CDATA[<p>I can’t imagine that it would come as much of a surprise to anyone that the cost of home ownership in Saskatoon has skyrocketed in recent years. According to the recently released “<a href="http://www.teamfisher.com/pdfreports/demographia2010.pdf">6th Annual Demographia International Housing Affordability Survey</a>” owning a Saskatoon home priced at the median in Q3/2009 would have cost about 4.4 times the median household income, a sharp increase from 2.6 times median income we enjoyed in Q3/2006. Saskatoon saw one of the steepest declines in affordability between 2006 and 2008 placing us among the ranks of the “seriously unaffordable,” according to <a href="http://www.demographia.com/">Demographia</a>’s ranking system. On the brighter side, our city saw some small improvements from Q3/2008 when 4.6 years of income was required to buy that home.</p>
<p>The following chart shows the changes in affordability levels in some of Canada’s most active real estate markets over the past five surveys. Click the image for a larger view.</p>
<p style="text-align: left;"><a href="http://www.teamfisher.com/images/teamblog/median_multiple_2010.jpg" rel="shadowbox[sbpost-5933];player=img;"><img class="aligncenter" src="http://www.teamfisher.com/images/teamblog/median_multiple_2010_small.jpg" alt="" width="500" height="278" /></a></p>
<p>I was a bit surprised to see that affordability at a national level really hasn’t changed significantly in the past five years. Canada’s “median multiple” comes in at 3.7 years, up from the lows of 3.1 in Q3/2007 but just slightly higher than the 3.6 years in Q3/2005.</p>
<p><a href="http://www.yattermatters.com/real-estate/gold-medal-for-most-expensive-real-estate/" target="_blank">Vancouver &#8220;wins the gold medal&#8221;</a> as the most severely unaffordable housing market in the world requiring 9.3 times to median household income, an increase of almost a year in just twelve months time.</p>
<p>See the entire Demographia survey for <a href="http://www.teamfisher.com/pdfreports/demographia2010.pdf">2010</a> and past reports for <a href="http://www.teamfisher.com/pdfreports/demographia2009.pdf">2009</a>, <a href="http://www.teamfisher.com/pdfreports/demographia2008.pdf">2008</a>, <a href="http://www.teamfisher.com/pdfreports/demographia2007.pdf">2007</a>, <a href="http://www.teamfisher.com/pdfreports/demographia2006.pdf">2006</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Real estate geeks can follow our daily updates on Twitter <a href="http://www.twitter.com/norm_fisher">@norm_fisher</a>.</p>
<p>Our Saskatoon home search tool offers MLS listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. Check it out <a href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>A very good time, such a fine time, such a happy time</title>
		<link>http://teamfisher.com/a-very-good-time-such-a-fine-time-such-a-happy-time/</link>
		<comments>http://teamfisher.com/a-very-good-time-such-a-fine-time-such-a-happy-time/#comments</comments>
		<pubDate>Sat, 19 Dec 2009 02:36:15 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=5592</guid>
		<description><![CDATA[I came across a Times Online post titled “The Top Ten Songs About Houses” by way of @SaskREALTORS twitter stream. It was fun to revisit some of these old tunes and reflect on what I was up to when they were released. Our House, by Madness came up as a top favorite for me. Released [...]]]></description>
			<content:encoded><![CDATA[<p>I came across a Times Online post titled “<a href="http://property.timesonline.co.uk/tol/life_and_style/property/article6960624.ece#cid=OTC-RSS&amp;attr=796985" target="_blank">The Top Ten Songs About Houses</a>” by way of <a href="http://twitter.com/saskrealtors" target="_blank">@SaskREALTORS</a> twitter stream. It was fun to revisit some of these old tunes and reflect on what I was up to when they were released. Our House, by Madness came up as a top favorite for me. Released in 1982, I was just nineteen years old at the time. Trish and I didn’t have a house back then but we did have a home.</p>
<p>I remember way back then, when everything was true and when<br />
We would have such a very good time, such a fine time<br />
Such a happy time<br />
And I remember how we’d play, simply waste the day away<br />
Then we’d say, nothing would come between us, two dreamers</p>
<p><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="480" height="385" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube.com/v/KwIe_sjKeAY&amp;hl=en_US&amp;fs=1&amp;color1=0x5d1719&amp;color2=0xcd311b" /><param name="allowfullscreen" value="true" /><embed type="application/x-shockwave-flash" width="480" height="385" src="http://www.youtube.com/v/KwIe_sjKeAY&amp;hl=en_US&amp;fs=1&amp;color1=0x5d1719&amp;color2=0xcd311b" allowscriptaccess="always" allowfullscreen="true"></embed></object></p>
<p>It’s hard to believe that nearly thirty years have passed since that time. Twenty-five years married…two wonderful children, all grown up…several homes.</p>
<p>I don’t get up late for work. Trish never irons my shirts. Still, it has been a very good time, such a fine time, such a happy time.</p>
<p>Trish, I’m glad that my house is “our house.” Thank you for sharing a home with me.</p>
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		<title>Vermiculite: How it can affect health and resale of your home</title>
		<link>http://teamfisher.com/vermiculite-how-it-can-affect-health-and-resale-of-your-home/</link>
		<comments>http://teamfisher.com/vermiculite-how-it-can-affect-health-and-resale-of-your-home/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 21:04:41 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[defects]]></category>
		<category><![CDATA[disclosure]]></category>
		<category><![CDATA[inspection]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=5365</guid>
		<description><![CDATA[Vermiculite is a mica-like mineral mined around the world and used in a variety of products including insulation. Vermiculite mined from the Libby Mine in Montana between 1920 and 1990 is known to contain asbestos, which can cause asbestosis, lung cancer and mesothelioma in people who are exposed to airborne particles. Vermiculite was one of [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://en.wikipedia.org/wiki/Vermiculite">Vermiculite</a> is a mica-like mineral mined around the world and used in a variety of products including insulation. Vermiculite mined from the <a href="http://en.wikipedia.org/wiki/Libby,_Montana">Libby</a> Mine in Montana between 1920 and 1990 is known to contain asbestos, which can cause <a href="http://en.wikipedia.org/wiki/Asbestosis">asbestosis</a>, lung cancer and <a href="http://en.wikipedia.org/wiki/Mesothelioma">mesothelioma</a> in people who are exposed to airborne particles.</p>
<p>Vermiculite was one of a number of loose fill insulation products approved for installation under the Canadian Home Insulation Program (CHIP) that provided grants to home owners who improved energy efficiency in their property between 1977 and 1984. <a href="http://www.hc-sc.gc.ca/index-eng.php">Health Canada</a> believes that vermiculite was installed in approximately 250,000 Canadian homes during that time. There is no information available as to where vermiculite use was most common but I can tell you that I have run across Saskatoon homes containing vermiculite insulation a number of times during my sixteen-year real estate career.</p>
<p><a href="http://www.hc-sc.gc.ca/hl-vs/iyh-vsv/prod/insulation-isolant-eng.php">Health Canada’s position</a> is this; “If vermiculite-based insulation is contained and not exposed to the home or interior environment, it poses very little risk.” Perhaps this provides some comfort to homeowners who have vermiculite insulation in their home, but in my own experience, the presence of asbestos is a growing concern for home buyers. Asbestos which is contained and undisturbed may never cause you or others in your home health problems but there is some significant likelihood that it could cause problems in completing a home sale when you’re ready to move. Some home buyers may be totally disinterested in purchasing a home that contains such a potentially toxic substance insisting that it be remediated as a condition of the sale, or they may walk away from the deal all together once they know.</p>
<p>It’s important to note that not all vermiculite insulation contains asbestos. If you suspect that you may have vermiculite insulation in your home you should avoid disturbing it. Contact a qualified expert for assistance in obtaining a sample for testing. In Saskatoon, <a href="http://pillartopost.com/">Pillar to Post Home Inspections</a> is qualified to gather samples and they can submit them to a lab on your behalf for testing. Testing costs can vary from one day to the next, but generally, a range of $150-$200 is what you should expect to pay for the service.</p>
<p>If vermiculite is present in your home and it does not contain asbestos, a lab report will be helpful in eliminating the concern that potential buyers for your home may have when you’re ready to sell. If it does contain asbestos, you can decide to remediate now, begin saving for an eventual remediation, or you can choose to leave it and deal with it at the time of sale. Remember though, leaving it until that late stage almost certainly raises significant concerns for your prospective buyer and could derail your sale.</p>
<p>One should probably consider that knowing your home contains asbestos might require you to disclose its presence when you offer the home for sale. The <a href="http://www.teamfisher.com/property-condition-disclosure/">Property Condition Disclosure</a> Statement (PCDS), which is not mandatory for home sellers, but is commonly used in Saskatchewan, has the following question. “To the best of your knowledge does the dwelling contain asbestos or urea formaldehyde insulation?” If you know asbestos exists, you are legally required to answer this question in the affirmative, if you choose to utilize the form. Home buyers are often suspicious of sellers who refuse to complete a PCDS. Even if you choose not to use the form a buyer could argue that disclosure is required based on the potential health implications of asbestos. In any case, professional home inspections are so common that it’s doubtful that vermiculite in your home could escape scrutiny when selling.</p>
<p>Health Canada has some good information online about vermiculite and asbestos including precautionary steps you can take to avoid contaminating your living space if vermiculite containing asbestos is present in your home. Check it out <a href="http://www.hc-sc.gc.ca/hl-vs/iyh-vsv/prod/insulation-isolant-eng.php">here</a>.</p>
<p>Related posts: <a href="http://www.teamfisher.com/asbestos-in-the-home/">Asbestos in the home</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here.</a> Please feel free to call or email.</p>
<p>Real estate geeks can follow our daily updates on Twitter <a href="http://www.twitter.com/norm_fisher">@norm_fisher</a>.</p>
<p>Our Saskatoon home search tool offers MLS listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. Check it out <a href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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		<title>Reduce energy costs and emissions while increasing the resale value of your home</title>
		<link>http://teamfisher.com/reduce-energy-costs-and-emissions-while-increasing-the-resale-value-of-your-home/</link>
		<comments>http://teamfisher.com/reduce-energy-costs-and-emissions-while-increasing-the-resale-value-of-your-home/#comments</comments>
		<pubDate>Sat, 17 Oct 2009 05:56:31 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[programs and grants]]></category>
		<category><![CDATA[going green]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[renovation]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=5050</guid>
		<description><![CDATA[Installing a high-efficiency furnace in your home is certainly good for the environment, and it’s also good for the household budget, in some cases reducing energy costs by more than thirty percent. In fact, according to SaskEnergy, “upgrading your heating equipment is the best improvement you can make to save energy and money.” The chart [...]]]></description>
			<content:encoded><![CDATA[<p>Installing a <a href="http://www.hometips.com/buying-guides/high-efficiency-furnaces.html">high-efficiency furnace</a> in your home is certainly good for the environment, and it’s also good for the household budget, in some cases reducing energy costs by more than thirty percent. In fact, according to <a href="http://saskenergy.com/">SaskEnergy</a>, “upgrading your heating equipment is the best improvement you can make to save energy and money.”</p>
<p>The chart below demonstrates potential savings derived from the installation of a high-efficiency furnace, based on average home owner&#8217;s use of natural gas and electricity in Saskatchewan. Electrical costs are based on continuous operation of the furnace motor during the winter months and utility rates that were effective on June 1, 2009. Actual savings may vary based on a number of variables.</p>
<p><img class="aligncenter" title="Chart demonstrating potential energy saving through the use of a high-efficient furnace" src="http://www.teamfisher.com/images/teamblog/high_efficient_furnace.jpg" alt="" width="600" height="300" /></p>
<p>In addition to the energy savings that you’ll see through the use of a more efficient heating appliance there are several other opportunities for savings when you upgrade.</p>
<p>•    There is no provincial sales tax payable on “<a href="http://www.energystar.gov/">ENERGY STAR</a>” <a href="http://downloads.energystar.gov/bi/qplist/gas_furnaces_prod_list.pdf">qualified furnaces</a> and boilers.<br />
•    You could qualify for an upgrade grant of up to $1,420 through the <a href="http://energuide.sunridgegroup.ca/">Saskatchewan EnerGuide for Houses Retrofit Grant Program</a>.<br />
•    According to ENERGY STAR, <a href="http://www.energystar.gov/index.cfm?c=thermostats.pr_thermostats">a programmable thermostat can further reduce energy consumption costs</a> by as much as $180 a year, plus you can qualify for an additional $15 rebate with the <a href="http://saskenergy.com/saving_energy/ProgrammableThermostatAug2009.pdf">Programmable Thermostat Rebate</a> from SaskEnergy.<br />
•    The <a href="http://saskenergy.com/residential/appliancefinancing.asp">ENERGY STAR Loan Program</a> provides financing at prime plus 2% on approved credit. *<br />
•    The cost of your new high-efficiency furnace qualifies for the <a href="http://www.teamfisher.com/how-to-take-advantage-of-the-home-renovation-tax-credit/">Federal Home Renovation Tax Credit</a> and could increase your saving by hundreds of dollars.</p>
<p>If all of that isn’t enough to convince you, here’s an added bonus; a high-efficiency heating system will increase the resale value of your home and make it more attractive to a growing number of energy conscious home buyers.</p>
<p>* Visit <a href="http://saskenergy.com/default.asp">the SaskEnergy website</a> for full details including terms and conditions.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>If you live in Saskatoon we’d sure appreciate hearing your comments about your neighbourhood. Please visit our “<a href="http://www.teamfisher.com/saskatoon-neighbourhoods/">Saskatoon Neighbourhoods</a>” page and let us know what you love about your community.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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		<title>How to take advantage of the Home Renovation Tax Credit</title>
		<link>http://teamfisher.com/how-to-take-advantage-of-the-home-renovation-tax-credit/</link>
		<comments>http://teamfisher.com/how-to-take-advantage-of-the-home-renovation-tax-credit/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 13:18:53 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[programs and grants]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[renovation]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=4903</guid>
		<description><![CDATA[Part of “Canada’s Economic Action Plan” includes a Home Renovation Tax Credit that could help you save up to $1,350 on eligible home improvements when goods are purchased or professional services are performed after January 27, 2009 and before February 1, 2010. The Home Renovation Tax Credit is a federal non-refundable tax credit based on [...]]]></description>
			<content:encoded><![CDATA[<p>Part of “<a href="http://actionplan.gc.ca/eng/index.asp">Canada’s Economic Action Plan</a>” includes a <a title="Information on Canad's Home Renovation Tax Credit" href="http://actionplan.gc.ca/eng/media.asp?id=1531">Home Renovation Tax Credit</a> that could help you save up to $1,350 on <a title="Eligible expenses for Canada's Home Renovation Tax Credit" href="http://www.cra-arc.gc.ca/tx/ndvdls/sgmnts/hmwnr/hrtc/lgbl-xpns-eng.html">eligible home improvements</a> when goods are purchased or professional services are performed after January 27, 2009 and before February 1, 2010.</p>
<p>The Home Renovation Tax Credit is a federal non-refundable tax credit based on eligible expenses for improvements to <a title="Eligible dwellings for Canada's Home Renovation Tax Credit" href="http://www.cra-arc.gc.ca/tx/ndvdls/sgmnts/hmwnr/hrtc/lgbl-dwllng-eng.html">your house, condominium, or cottage</a>. The 15% tax credit applies to eligible expenses that exceed $1,000, but not more than $10,000. For instance, if you installed new windows at a cost of $5,000 and new shingles at a cost of $5,000 <a title="Calculating your Home Renovation Tax Credit" href="http://www.cra-arc.gc.ca/tx/ndvdls/sgmnts/hmwnr/hrtc/clcltng-eng.html">your tax credit is calculated as follows</a>. ($10,000 &#8211; $1,000) x 15% = $1,350 tax credit.</p>
<p>You must get your contracts in writing, keep your receipts and claim the credit on your 2009 tax return.</p>
<p>Eligible expenses must be of an enduring nature and integral to your property.</p>
<h3>Examples of eligible expenses</h3>
<p>Renovation of a bathroom, basement, or kitchen<br />
New windows, doors, or flooring<br />
Building an addition, garage, deck, shed or fence<br />
A new furnace, fireplace, water softener, or water heater<br />
A new driveway, or a new surface on an existing driveway<br />
Re-shingling a roof, or painting a house<br />
Landscaping projects like new sod, perennial shrubs and flowers, trees, etc.<br />
Swimming pools (permanent – in-ground and above ground)<br />
Fixtures – blinds, shades, shutters, awnings, lights, fans, etc.<br />
Associated renovation costs such as permits, professional services, equipment rentals, etc.</p>
<h3>Examples of non-eligible expenses</h3>
<p>Improvements made to rental units even if located with your primary residence<br />
Furniture, appliances, tools<br />
Audio and visual electronics<br />
Routine repairs, maintenance and cleaning costs<br />
Financing costs</p>
<p>For more information on the Home Renovation Tax Credit <a title="Information on Canada's Home Renovation Tax Credit" href="http://actionplan.gc.ca/eng/media.asp?id=1531">click here</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Real estate geeks can follow our daily updates on Twitter <a href="http://twitter.com/norm_fisher">@Norm_Fisher</a>.</p>
<p>Our Saskatoon home search tool offers MLS listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. <a title="Search Saskatoon homes for sale" href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">Check it out here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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		<title>Sutherland residents push council for area traffic solutions</title>
		<link>http://teamfisher.com/sutherland-residents-push-council-for-area-traffic-solutions/</link>
		<comments>http://teamfisher.com/sutherland-residents-push-council-for-area-traffic-solutions/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 14:52:27 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[neighbourhood news]]></category>
		<category><![CDATA[saskatoon]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[neighbourhoods]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=4918</guid>
		<description><![CDATA[Some Rutherford Crescent residents are pushing city council for a solution to what they call “a recipe for tragedy,” claiming that the high density development on this Sutherland street is creating a dangerous situation for children playing in the area. They contend that a number of illegal suites are contributing to a problem caused by [...]]]></description>
			<content:encoded><![CDATA[<p>Some Rutherford Crescent residents are pushing city council for a solution to what they call “a recipe for tragedy,” claiming that the high density development on this <a href="http://www.teamfisher.com/saskatoon-neighbourhoods/sutherland/">Sutherland</a> street is creating a dangerous situation for children playing in the area.</p>
<p>They contend that a number of <a href="http://www.saskatoon.ca/DEPARTMENTS/Community%20Services/PlanningDevelopment/DevelopmentReview/DevelopmentStandards/Pages/LegalizingExistingSuites.aspx">illegal suites</a> are contributing to a problem caused by the large number of single-family homes that were built in the area just a few years ago. Often, cars line both sides of the street creating dangerous conditions in an area with a high population of children and a park that attracts them in droves.</p>
<p>Residents are calling for speed bumps, crosswalks, a reduction in the speed limit, an elimination of parking in front of the playground, and a clamp down on illegal suites.</p>
<p>Ward 1 councillor <a href="http://www.saskatoon.ca/CITY%20COUNCIL/Your%20Ward%20Councillors/Pages/ward1.aspx">Darren Hill</a> will present his ideas on solving the problem to council this evening.</p>
<p>See the Star Phoenix story <a href="http://www.thestarphoenix.com/recipe+tragedy/2042097/story.html">here</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Follow our daily updates on Twitter <a href="http://twitter.com/norm_fisher">@Norm_Fisher</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
<p>Update: At the September 28 council meeting Ms. Elizabeth Cooney was heard and &#8220;expressed concerns regarding the speed of traffic and parking issue in the Rutherfor infill area and provided suggestions on how to help alleviate traffic congestion.&#8221; It was moved by councillor Hill, and seconded by Councillor Paulsen that the matter &#8220;be referred to Administration,&#8221; and that motion was carried.</p>
<p>Meeting minutes can be found <a href="http://www.saskatoon.ca/CITY%20COUNCIL/Documents/agendas/um_council_280909.pdf">here</a>.</p>
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		<title>Tell us what you love about your Saskatoon neighbourhood</title>
		<link>http://teamfisher.com/tell-us-what-you-love-about-your-saskatoon-neighbourhood/</link>
		<comments>http://teamfisher.com/tell-us-what-you-love-about-your-saskatoon-neighbourhood/#comments</comments>
		<pubDate>Sat, 26 Sep 2009 01:39:20 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[neighbourhood news]]></category>
		<category><![CDATA[saskatoon]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[neighbourhoods]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=4895</guid>
		<description><![CDATA[I’m feeling pretty good about completing the first phase of a project that I’ve wanted to get at for the past three years. It wasn’t a lack of enthusiasm for the project that kept me from completing the work before now, but rather, the scale of the work involved. At every given moment over the [...]]]></description>
			<content:encoded><![CDATA[<p>I’m feeling pretty good about completing the first phase of a project that I’ve wanted to get at for the past three years. It wasn’t a lack of enthusiasm for the project that kept me from completing the work before now, but rather, the scale of the work involved. At every given moment over the past few years the job just felt so overwhelming that I was often tempted to just forget about it. I’m glad I didn’t.</p>
<p>Over the past sixty days I have visited every school in Saskatoon, and I’ve walked every single park in every neighbourhood of our great community. It has been an excellent way to re-connect with the city that I grew up in, and that I love, but that was really a side benefit unrelated to my original reason for going. I went to take pictures. I went to capture these areas in images, hoping that they might be helpful to someone trying to choose a neighbourhood from afar in a city that they’re largely unfamiliar with.</p>
<p>Phase two of this project is a pretty major overhaul of <a title="Saskatoon neighbourhoods - Profiles and real estate price trends " href="http://www.teamfisher.com/saskatoon-neighbourhoods/">our “Saskatoon neighbourhoods” pages</a> to include some of the best information available on every area of the city as well as a decent photo tour that gives the visitor a bit of a feel for the area. We’ve put a good dent in the work on most of the area pages, and a number of them are already complete. Over the next sixty days we will finish them all.</p>
<p><a title="City Park, Profile and real estate price trends" href="http://www.teamfisher.com/saskatoon-neighbourhoods/city-park/">Our City Park page</a> provides a pretty good idea of what we’re ultimately after for each Saskatoon neighbourhood if you’re interested in having a look.</p>
<p>Generally, I’m pretty happy with the way these are turning out but I can’t help think about how much better they could be with a little help from you. I can write about my impressions of an area, and even share some photos that provide a limited view of the neighbourhood, but nothing could be as helpful to a newcomer as the comments of someone who has lived in and experienced an area firsthand.</p>
<p>May I call on those of you who live in Saskatoon to share some of your thoughts on the neighbourhood that you live in? You can do that in the comments section of the page for your area. You’ll find your area on a list <a href="http://www.teamfisher.com/saskatoon-neighbourhoods/">here</a>. Feel free to tell us what you love about your neighbourhood, and don’t be shy about sharing something that you wish was different. No neighbourhood is perfect and all of your impressions have the potential to be helpful to someone.</p>
<p>Thank you for helping me with this project.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Real estate geeks can follow our daily updates on Twitter <a href="http://twitter.com/norm_fisher">@Norm_Fisher</a>.</p>
<p>Our Saskatoon home search tool offers MLS listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. <a title="Search Saskatoon homes for sale" href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">Check it out here.</a></p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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		<title>Tips for staying safe in your community and in your home</title>
		<link>http://teamfisher.com/tips-for-staying-safe-in-your-community-and-in-your-home/</link>
		<comments>http://teamfisher.com/tips-for-staying-safe-in-your-community-and-in-your-home/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 20:29:27 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[home life]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[events]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[neighbourhoods]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=4852</guid>
		<description><![CDATA[Perhaps you’ve already heard that it’s Realtor® Community Safety Week in Saskatoon. If you haven’t, let it be known that His Worship Mayor Donald Atchison has declared it so, and so it is. You’ll be reminded that it’s Realtor® Community Safety Week by a series of safety tips airing on C95FM and Rock102. I’ve also [...]]]></description>
			<content:encoded><![CDATA[<p>Perhaps you’ve already heard that it’s Realtor® Community Safety Week in Saskatoon. If you haven’t, let it be known that His Worship <a title="Saskatoon Mayor Donald Atchison" href="http://saskatoon.ca/org/mayors_message/bio.asp" target="_blank">Mayor Donald Atchison</a> has declared it so, and so it is.</p>
<p>You’ll be reminded that it’s Realtor® Community Safety Week by a series of safety tips airing on <a title="C95FM" href="http://www.c95.com/" target="_blank">C95FM</a> and <a title="Rock102" href="http://www.rock102rocks.com/" target="_blank">Rock102</a>. I’ve also noticed some service announcements in the <a title="The Star Phoenix" href="http://www.thestarphoenix.com/business/City+council+grants+Lake+Placid+extension+million+payment/1909393/story.html" target="_blank">Star Phoenix</a>. The highlight event for the week is a <a title="Neighbourhood Safety Fair in Saskatoon" href="http://saskatoon.ca/org/city_planning/neighbourhood_safety/index.asp" target="_blank">Neighbourhood Safety Fair</a> that happens on Saturday, September 12 from 10:00 am until 2:00 pm. It will be held at <a href="http://maps.google.com/maps/ms?ie=UTF8&amp;hl=en&amp;msa=0&amp;msid=112531990339490322804.0004732abffdf203a253d&amp;ll=52.125677,-106.673684&amp;spn=0.006837,0.018797&amp;z=16" target="_blank">Sonnenschein Way</a>, just south of the <a title="Saskatoon Farmer's Market" href="http://www.saskatoonfarmersmarket.com/" target="_blank">Farmer’s Market</a>. If you can find the time, it’s probably worth attending. Apparently, there will be children’s activities and prizes, self-defense demonstrations, home safety products and lots of good safety related information.</p>
<p>Whether or not you can attend you should check out a <a title="Safe at Home from the City of Saskatoon" href="http://saskatoon.ca/org/city_planning/neighbourhood_safety/documents/safeathomebooklet.pdf" target="_blank">free publication</a> that’s being offered by the City of Saskatoon. It’s called “<a title="Safe at Home from the City of Saskatoon" href="http://saskatoon.ca/org/city_planning/neighbourhood_safety/documents/safeathomebooklet.pdf" target="_blank">Safe at Home</a>” and it contains about a dozen pages of great tips for staying safe in your community and in your home. Please read it and be safe, this week and every other.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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		<title>Men, women, and how gender impacts the home buying process</title>
		<link>http://teamfisher.com/men-women-and-how-gender-impacts-the-home-buying-process/</link>
		<comments>http://teamfisher.com/men-women-and-how-gender-impacts-the-home-buying-process/#comments</comments>
		<pubDate>Mon, 17 Aug 2009 17:59:53 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[surveys and studies]]></category>

		<guid isPermaLink="false">http://www.teamfisher.com/?p=4075</guid>
		<description><![CDATA[From Coldwell Banker&#8217;s media release &#8211; August 17 2009 &#8211; It often seems as though men and women are from different planets, but every day millions of couples navigate through day-to-day and even life-altering decisions. Because a home is the biggest purchase most people will make in their lifetime, Coldwell Banker Real Estate LLC surveyed [...]]]></description>
			<content:encoded><![CDATA[<p><em><strong>From Coldwell Banker&#8217;s media release &#8211; August 17 2009 &#8211; It often seems as though men and women are from different planets, but every day millions of couples navigate through day-to-day and even life-altering decisions. Because a home is the biggest purchase most people will make in their lifetime, <a href="http://www.coldwellbanker.com/">Coldwell Banker Real Estate LLC</a> surveyed 1,000 individuals to discover how much men and women differ in the home-buying process.</strong></em></p>
<p><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="560" height="340" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube.com/v/k-NBzn3rNxA&amp;hl=en&amp;fs=1&amp;" /><param name="allowfullscreen" value="true" /><embed type="application/x-shockwave-flash" width="560" height="340" src="http://www.youtube.com/v/k-NBzn3rNxA&amp;hl=en&amp;fs=1&amp;" allowscriptaccess="always" allowfullscreen="true"></embed></object></p>
<p>View the study findings and media release <a href="http://coldwellbanker.com/servlet/News?action=viewNewsItem&amp;contentId=14521585">here</a>.</p>
<p>Thanks to Jason for the heads up.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a href="http://www.teamfisher.com/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Real estate geeks can follow our daily updates on Twitter <a href="http://twitter.com/norm_fisher">@Norm_Fisher</a>.</p>
<p>Our Saskatoon home search tool offers MLS listings represented by all real estate brands, presented with more detail than you’ll find anywhere else. Check it out <a title="Search Saskatoon homes for sale" href="http://www.teamfisher.com/search-saskatoon-homes-for-sale/">here</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
]]></content:encoded>
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		<title>Potential resale returns on various home improvements</title>
		<link>http://teamfisher.com/potential-resale-returns-on-various-home-improvements/</link>
		<comments>http://teamfisher.com/potential-resale-returns-on-various-home-improvements/#comments</comments>
		<pubDate>Sun, 24 May 2009 18:20:50 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[seller tips]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[prices]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[renovation]]></category>
		<category><![CDATA[surveys and studies]]></category>

		<guid isPermaLink="false">http://normfisher.ca/?p=3239</guid>
		<description><![CDATA[People are often curious about how certain home improvements will affect the value of their homes. The chart of percentages displayed here presents some findings compiled by the Appraisal Institute of Canada from their 2008 membership survey. It is intended to give the homeowner a very general idea of the potential that certain improvements have [...]]]></description>
			<content:encoded><![CDATA[<p>People are often curious about how certain home improvements will affect the value of their homes. The chart of percentages displayed here presents some findings compiled by the <a href="http://www.aicanada.ca/">Appraisal Institute of Canada</a> from their 2008 membership survey. It is intended to give the homeowner a very general idea of the potential that certain improvements have in adding value to your home.</p>
<table style="width: 100%; text-align: left;" border="1" cellspacing="1" cellpadding="1">
<tbody>
<tr>
<td style="text-align: left;">Sky lights</td>
<td style="text-align: right;">0-25%</td>
</tr>
<tr>
<td>Swimming pool</td>
<td style="text-align: right;">0-25%</td>
</tr>
<tr>
<td>Landscaping</td>
<td style="text-align: right;">25-50%</td>
</tr>
<tr>
<td>Fencing</td>
<td style="text-align: right;">25-50%</td>
</tr>
<tr>
<td>Brick walkways</td>
<td style="text-align: right;">25-50%</td>
</tr>
<tr>
<td>Home theatre</td>
<td style="text-align: right;">25-50%</td>
</tr>
<tr>
<td>Block paving</td>
<td style="text-align: right;">25-50%</td>
</tr>
<tr>
<td>Concrete paving</td>
<td style="text-align: right;">25-75%</td>
</tr>
<tr>
<td>Central air conditioning</td>
<td style="text-align: right;">25-75%</td>
</tr>
<tr>
<td>Deck</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>New windows and doors</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>New exterior siding</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>Flooring</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>Basement renovation</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>Addition to dwelling</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>Fireplace</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>Garage</td>
<td style="text-align: right;">50-75%</td>
</tr>
<tr>
<td>Roof replacement</td>
<td style="text-align: right;">50-80%</td>
</tr>
<tr>
<td>Heating system/furnace</td>
<td style="text-align: right;">50-80%</td>
</tr>
<tr>
<td>Interior paint</td>
<td style="text-align: right;">50-100%</td>
</tr>
<tr>
<td>Kitchen renovation</td>
<td style="text-align: right;">75-100%</td>
</tr>
<tr>
<td>Bathroom renovation</td>
<td style="text-align: right;">75-100%</td>
</tr>
<tr>
<td>Energy efficient features</td>
<td style="text-align: right;">Avg. 61%</td>
</tr>
</tbody>
</table>
<h3>Other considerations</h3>
<ul>
<li>Improvements that are commonly found in the area the home is located in will almost always deliver the highest returns.</li>
<li>Renovations in homes that have a lower market value when compared to other homes in the area generally see a higher return from home improvements.</li>
<li>Poorly done renovations have a smaller upward impact on the home&#8217;s value, and can actually have a negative affect on property value.</li>
<li>Renovations done on a home that is generally in poor repair overall have a minimal impact on its market value.</li>
<li>It&#8217;s rare that renovations recover their full cost in added value. Home owners should understand that there is some value associated with enjoyment of the improvement.</li>
<li>Not all improvements are created equal, even those that might fit in the same category. For instance, in a bathroom renovation a &#8220;spa type shower will add roughly 36% of it&#8217;s cost, while a Jacuzzi or whirlpool type tub recovers approximately 65% of its cost.</li>
</ul>
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		<title>Asbestos in the home</title>
		<link>http://teamfisher.com/asbestos-in-the-home/</link>
		<comments>http://teamfisher.com/asbestos-in-the-home/#comments</comments>
		<pubDate>Fri, 13 Feb 2009 21:41:16 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[home life]]></category>
		<category><![CDATA[maintenance, repair and renovation]]></category>
		<category><![CDATA[defects]]></category>
		<category><![CDATA[inspection]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[renovation]]></category>

		<guid isPermaLink="false">http://normfisher.ca/?p=1459</guid>
		<description><![CDATA[Citizens of Canada’s are no strangers to asbestos problems. Used throughout the 20th century as a prominent building material and insulator, health hazards related to asbestos has affected millions worldwide. Highly regarded for its qualities as heat and fire resistant, homes, buildings, and other products built before 1980 could still contain asbestos materials. If you [...]]]></description>
			<content:encoded><![CDATA[<p>Citizens of Canada’s are no strangers to asbestos problems. Used throughout the 20th century as a prominent building material and insulator, health hazards related to asbestos has affected millions worldwide. Highly regarded for its qualities as heat and fire resistant, homes, buildings, and other products built before 1980 could still contain asbestos materials.</p>
<p>If you are a potential homeowner or are seeking to remodel an older home, exposure can cause many health concerns for you and your family. If you are interested in living in a safe, healthy environment, free of health damaging materials, here is some information to get you on that track.</p>
<p>Asbestos exposure can cause a debilitating lung ailment known as <a href="http://www.asbestos.com/">mesothelioma</a>. This asbestos-related illness is one of the hardest for physicians to diagnose for a variety of reasons. The disease typically has a latency period lasting anywhere from 20 to 50 years when it has already reached its later stage of development. Its symptoms also resemble many of other less serious conditions. <a href="http://www.asbestos.com/treatment/">Mesothelioma treatment</a> is usually limited to a handful of procedures and results vary from patient to patient. If your home or jobsite has had asbestos removed, exposure may have occurred previously and receiving a medical checkup is of the upmost importance.</p>
<p><a href="http://www.hc-sc.gc.ca/hl-vs/iyh-vsv/environ/asbestos-amiante-eng.php">Health Canada</a> offers assistance and information in the prevention, disposal and removal of asbestos. They are federally responsible for helping citizens maintain and improve health at home and the work place. Homeowners should not disturb any suspected asbestos themselves as this makes its fibers airborne. The inspection and removal of toxic substances must be performed by licensed abatement contractors who are trained in handling dangerous materials. They work under provincial and federal regulations to ensure no health concerns arise from improper removal.</p>
<p>Once the area is asbestos free, environmentally sustainable materials should be considered including cotton fiber, cellulose and lcynene, water based spray polyurethane foam that can reduce energy costs annually. With the constant growth in technology, there is absolutely no need for health damaging materials such as asbestos.</p>
<p>Click for a larger image displaying potential problem areas for asbestos in the home.</p>
<p><a href="http://www.asbestos.com/images/asbestos_house_diagram.gif" rel="shadowbox[sbpost-1459];player=img;"><img src="/images/teamblog/asbestos.jpg" border="0" alt="" width="500" height="434" align="middle" /></a></p>
<p>A qualified home inspector can often detect the presence of asbestos and other potentially dangerous products that may have been used in home construction over the years. Put &#8220;healthy living environment&#8221; for your family at the top of your &#8220;wants and needs&#8221; list when shopping for a new home.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a title="Contact TeamFisher" href="/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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		<title>Saskatoon ranks high on Canadian Business best places to live list</title>
		<link>http://teamfisher.com/saskatoon-ranks-high-on-canadian-business-best-places-to-live-list/</link>
		<comments>http://teamfisher.com/saskatoon-ranks-high-on-canadian-business-best-places-to-live-list/#comments</comments>
		<pubDate>Tue, 29 Apr 2008 13:07:30 +0000</pubDate>
		<dc:creator>Norm Fisher</dc:creator>
				<category><![CDATA[home life]]></category>
		<category><![CDATA[saskatoon]]></category>
		<category><![CDATA[community]]></category>

		<guid isPermaLink="false">http://normfisher.ca/?p=1282</guid>
		<description><![CDATA[Saskatoon ranks 17th out of 154 Canadian communities that are rated in the third annual Canadian Business, “Canada’s Best Places to Live” list. This particular report weighs a number of factors including house prices, incomes, crime rates, employment, weather and lifestyle. View the results here. I’m always happy to answer your Saskatoon real estate questions.  [...]]]></description>
			<content:encoded><![CDATA[<p>Saskatoon ranks 17th out of 154 Canadian communities that are rated in the third annual <a href="http://www.canadianbusiness.com/">Canadian Business</a>, “Canada’s Best Places to Live” list.</p>
<p>This particular report weighs a number of factors including house prices, incomes, crime rates, employment, weather and lifestyle.</p>
<p><a href="http://list.canadianbusiness.com/rankings/bestplacestolive/2008/prosperity/Default.aspx?sp2=1&amp;d1=a&amp;sc1=6&amp;sub=n1&amp;df=bestcities">View the results here</a>.</p>
<p>I’m always happy to answer your Saskatoon real estate questions.  All of <a title="Contact TeamFisher" href="/contact-teamfisher/">my contact info is here</a>. Please feel free to call or email.</p>
<p>Follow our daily updates on Twitter <a href="http://twitter.com/saskatoonhomes">@SaskatoonHomes</a>.</p>
<p>Norm Fisher<br />
Royal LePage Saskatoon Real Estate</p>
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