Friday, August 28, 2015

Insurance...Mortgage vs. Individual

I had the pleasure of meeting and talking with Mike a few weeks ago at one of my open houses. We discussed the difference between Mortgage Insurance and an Individual Policy (Life Insurance). 

Many people know that they need insurance of some sort...but most are not aware of the different types available and their pros or cons. Mike provided me with this great chart explaining the difference between Mortgage Insurance and an Individual Policy with Desjardins. 

Take a look over this chart and give him a call if you have any questions!





Friday, June 19, 2015

Presence & Exposure

Below is a list of places ISellStThomas (Jim and Ainslee) has a presences and where a home would have exposure if listed with us! We work hard to ensure our business and ultimately our clients gain maximum exposure for their homes to allow their homes to sell as quickly as possible at the best possible price.

Feel free to check us out, follow us, like us and let us know where you see us. If you have any questions, please do not hesitate to contact either one of us.

Our Presence

ISellStThomas (Personal)
Twitter - @ISellStThomas
YouTube - ISellStThomas
Email - monthly newsletters sent to clients
Print Media - Elgin County Market & St.Thomas Times Journal
Locally - Lawn signs, Office (808 Talbot St)

Royal LePage Triland (Brokerage)
Twitter - @RoyLePTriland
YouTube - Royal LePage Triland (rltriland)
Blogspot - rlptriland.blogspot.ca
Print Media - Elgin County Market, St.Thomas Times Journal, Weekly News, London Free Press, Real Estate Advertiser
Offices - London North, London South, St.Thomas, Woodstock, Ingersoll

Royal LePage (Brand)
Twitter - @Royal_LePage
Linked IN - Royal LePage
YouTube - RoyalLePageCanada
Brookfield - Global Relocation Services

Exposure for your Home

Locally - Lawn Sign, Coloured Feature Sheets, Elgin County Market, St.Thomas Times Journal, Our Office (808 Talbot St)

On Line - Facebook (across 3 pages, through side bar ads, paid ads and shares), Twitter (weekly), Linked IN (weekly across two accounts), www.ISellStThomas.com, www.RoyalLePageTriland.com, www.RoyalLePage.ca, www.Realtor.ca

Optional - London Free Press, Real Estate Advertiser


Open Houses - Office Caravan (first Tues listed), MLS Realtor Inspection (first Thur listed), Public (As preferred by Seller)

Wednesday, November 5, 2014

Make your home more Energy-Efficient

        10 Ways to make your home 

                                   more energy-efficient


1 Conduct an energy audit. If you're serious about improving your home's efficiency, start with an energy audit by an NRCan certified energy advisor - you can search for an advisor in your area at www.nrcan.gc.ca. You'll get a list of recommended upgrades to help you plan, and you may qualify to receive up to $2500 from the Home Reno Rebate by Union Gas. According to Natural Resources Canada, the average retrofit may yield a 30% reduction in energy use.


2 Seal up those drafts. Drafty windows and doors can be a major source of energy loss. If an upgrade isn't currently within your budget, you can still save energy and make your home more comfortable by using simple weather-stripping and caulking as an economical way to reduce air leaks.


3 Upgrade your heating system. In older homes, the savings over time from installing a new high-efficiency condensing gas furnace may be the best investment you can make. Talk to a certified heating contractor (Like COAD) to help research which heating system is best for your home and climate, and use the search tool at www.nrcan.gc.ca to find the handy "Home Heating System Cost Calculator".


4 Add insulation. An uninsulated basement in a home can increase annual heating costs by 10% to 30%, since base concrete conducts heat outward. Call Ritchie's Insulation & General Contracting 519-633-3461 for insulation information!


5 Curb your hot water use. In a typical Canadian home, water heating can account for up to 20% of total utility costs. Switch out an older water heater for a more energy efficient model, or consider a new tankless water heater that warms water on demand, only as needed.


6 Replace energysapping appliances. If you've got an old clunker or hand-me-down appliance in your basement or kitchen, it could cost you hundreds of dollars in extra operating costs over the years. Clothes dryers are about...

for the complete list of Energy Saving Tips 

email Ainslee@ISellStThomas.com

Subject Line "More Energy Tips"


Content Provided by Genworth Canada

Friday, July 11, 2014

25 Summer TO DOs in Elgin County!

While the temperature rises, the kids get bored and summer starts to pass us by…why not explore some of the great attractions we have…RIGHT HERE IN ELGIN COUNTY! Kids attraction, farms, shopping, arts and more!



We are very fortunate to live in an area that offers so many unique things to do, explore, enjoy and experience. I have compiled a list of 25 things to do this summer in Central Elgin & East Elgin…but remember, there are LOTS of others things to explore!

5 Kids Days
        - Clovermead Adventure Farms
        - Train Rides (St.Thomas or Port Stanley)
        - Visit and explore HMCS Ojibwa in Port Burwell
        - Great Lakes Farms
        - Splash Pads (Pinafore or Waterworks)

5 Farms to visit
        - Berry Hill Fruit Farms
        - Wild Flowers Farms
        - Heritage Line Herbs
        - Howe Family Farm Market
        - Steed & Co Lavender

5 Arts Attractions
        - St.Thomas-Elgin Public Art Centre
        - Art Emporium Gallery
        - Clay Works Studio
        - Portside Gallery
        - Ruby Eyes Kraftwerks

5 Shopping Attractions
        - Concreations
        - Anything Used / Sparta Country Candles
        - Pinecroft (and grab a bite to eat!)
        - Port Stanley Shops (don't forget Stan Portleys!)
        - Minerva Art Gallery

5 Adult Attractions/Activities
        - Port Stanley Festival Theatre
        - Aylmer Performing arts
        - Quai Du Vin Estate Winery
        - Kettle Creek Inn
        - Windjammer Inn 



Thursday, May 1, 2014

Why Use a Mortgage Broker?

There are many things to think about when you decide it's time to purchase a home. Getting your finances in order is the most important part of the process -- without financing, you cannot get the home that steals your heart.

There are many different options for financing, but with all these options come many rules, regulations and sub-options…not to mention all the clauses and fine print. To help you navigate through the financing of homeownership, why not consult an expert. Here are some of the many reasons and advantages to using a Mortgage Broker/Agent.

They work for YOU…Mortgage brokers/agents are not tied to a certain bank or company. The options they have available to them include EVERYTHING that is available (Banks, Credit Unions, Trust Companies, Lending Companies, and more). They are able to find the BEST financing for YOU!

Get your credit checked ONCE -- it actually hurts your credit to have it checked multiple times. When shopping around, you are having your credit checked at every stop -- by the time you find the mortgage you like, you might not have the required credit score.

TIME is precious -- save YOUR time for house hunting and not researching and looking for the perfect mortgage. This is exactly what a mortgage broker does…they search all the options for you.

Leave the NEGOTIATIONS to the experts -- they have the knowledge and know how to negotiate competitive rates as well as terms and conditions that suit you…things that your bank may not be able to offer you. There are also add-ons or special deals that may be attractive to you or possibly only available to brokers.

UNDERSTAND your mortgage -- A mortgage broker will be able to help you understand all the financing jargon and be able to explain it to you in plain language. Your home is a huge investment - you want to ensure that you fully understand all the terms and conditions as well as the fine print on your mortgage.

QUICK & EFFICIENT -- Once you have made an offer on a home, things can move very quickly. A mortgage broker works quickly and efficiently to ensure that your financing is right for you and secured in time to meet conditions. They also ensure that the mortgage transaction happens on-time and without flaw on closing day.

So…yeah there are lots of advantages to using a mortgage broker…but at what CO$T??!? NOTHING out of your pocket!! They are paid by financial institutions a commission like your real estate agent. They only get paid once you are happily in your new home!

Saturday, December 14, 2013

Merry Christmas Friends and Family!

Santa came and visited us at Royal LePage Triland St.Thomas this week. Check out our visit with Santa....WATCH NOW!

Did you notice someone new? That's right! My granddaughter, Ainslee, will be joining me in the new year. She can be contacted at 519-636-5717 or Ainslee@ISellStThomas.com or facebook.com/ISellStThomasAinslee

If you are interested in the home on Ainslee's wish list, check it out! 15 Aspen

We wish you a very Merry Christmas and A Happy New Year!

-Jim Harris (Broker, MVA) & Ainslee Dempsey (Sales Representative)

Tuesday, November 19, 2013

Winter Ready Your Home


As the winter is fast approaching we always ensure that our vehicles are winter ready – snow tires, the snow brush packed, fluids good, winter boots by the door to clean off the snow covered vehicles or shovel the drive....but what about our home??!?


Just as your vehicle needs a few things to be checked off the list to be winter ready, your house has a list of things to do as well:


  •  Check for and seal leaks – around windows/doors, ducts, damper on your fire place and vents
  •  Clean out the gutters – clear all debris and ensure no moss
  •  Check or Add insulation if needed – in the attic, around windows/doors, outlets or vents
  •  Maintain your furnace – change the filter, check-up, re-set your thermostat for the time change
  •  Reverse Ceiling Fans – should be reversed (clockwise or pulling the air up and out)
  • Turn off outdoor water spigots –drained to prevent freezing & bursting, also drain & store hoses
  • Test Smoke Alarms and CO2 detectors