City of Winnipeg, Mayor Bowman, implemented an Impact Fee a few years ago to help pay for the loss the city was taking on new residential developments. This was an issue because the city approved many new projects and developments quickly in a short time span and because of natural slowness of developing, property taxes were very slow to come in. Builders, developers, and owners, fought and won their case to have the city refund all $30 million on paid fees back to their rightful owners. Fee was 5% of purchase price at time of possession.

YouTube:

https://youtu.be/ClgtnDS8BWI

My health is now on point, I talk about prospecting expired listings, using door hangers, and odd jobs.

YouTube:

https://youtu.be/7ehepdIl0UU

I hit my milestone of 10 year in real estate sales. I share with you my experience hiring a photographer and videographer for the first time. I also have decided to actively pursue and farm big listings.

YouTube:

https://youtu.be/V9v3CE5QZLM

In this video and podcast I share with you my thoughts on lockboxes on condo buildings and solution. About David: I'm a real estate businessman. I'm a sailor, snowboarder, weightlifter, and outdoorsman. Part time philosopher. I hold a real estate license to trade real estate in Manitoba. I'm a licensed REALTOR® / Broker / Owner of my own brokerage DCF Real Estate Inc. I help people buy and sell real estate (houses and condo units). My main area of practice is in Greater Winnipeg.

YouTube:

https://youtu.be/LF-za9i7dDo

In this video and podcast I share with you my thoughts on COVID 19 in relation to family relationships, real estate, and health.

YouTube:

https://youtu.be/MM3N01XQffU

About David: I’m a real estate businessman. I’m a sailor, snowboarder, weightlifter, and outdoorsman. Part time philosopher. I hold a real estate license to trade real estate in Manitoba. I’m a licensed REALTOR® / Broker / Owner of my own brokerage DCF Real Estate Inc. I help people buy and sell real estate (houses and condo units). My main area of practice is in Greater Winnipeg.

In this video I talk about the importance and simplicity of recording your property work that you complete using your phone by taking photos and videos. Storage is cheap and easy to use and you will never go wrong saving information on the process of your work not just the before and after.

YouTube: https://youtu.be/-HVGuO7Wcm0

https://youtu.be/-HVGuO7Wcm0

(Recorded in April) In this video I talk about a key thing I learned from my interview with my favourite real estate lawyer Ken Davie. Do what you do the very best and only do that in your business.

You can reach Ken at: [email protected] 204-478-1677

Music: "Off The Grid" Brock Berrigan

YouTube:

https://youtu.be/I1rV3E_JGNs

About David:

I'm a real estate businessman. I'm a sailor, snowboarder, weightlifter, and outdoorsman. Part time philosopher. I hold a real estate license to trade real estate in Manitoba. I'm a licensed REALTOR® / Broker / Owner of my own brokerage DCF Real Estate Inc. I help people buy and sell real estate (houses and condo units). My main area of practice is in Greater Winnipeg.

In this video I talk about a two reasons why sellers and listing realtors tend to like offer dates. They can be controversial and here’s why, watch the video. About David: I'm a real estate businessman. I'm a sailor, snowboarder, weightlifter, and outdoorsman. Part time philosopher. I hold a real estate license to trade real estate in Manitoba. I'm a licensed REALTOR® / Broker / Owner of my own brokerage DCF Real Estate Inc. I help people buy and sell real estate (houses and condo units). My main area of practice is in Greater Winnipeg.

YouTube:

https://youtu.be/hn2y7VphdME

About David:

I’m a real estate businessman. I’m a sailor, snowboarder, weightlifter, and outdoorsman. Part time philosopher. I hold a real estate license to trade real estate in Manitoba. I’m a licensed REALTOR® / Broker / Owner of my own brokerage DCF Real Estate Inc. I help people buy and sell real estate (houses and condo units). My main area of practice is in Greater Winnipeg.

A home loan is a loan advanced to you by a lender so you can buy a property. It can also be used to finance the purchase of a business, a home or a motor vehicle. It is important to find out the costs involved in home loans. The following table shows some of the things that may be included in your mortgage costs.

Example Your deposit is 2,000

2,000 monthly mortgage payment (including National Insurance) 200

Interest Rate on the mortgage (min 1% or max 4.5%) 0.75%

Fees (includes other mortgage charges such as Property Tax) 3.3%

Utilities

These are the direct costs of maintaining a home. A number of utilities are required such as electricity, gas and water. You will have to use these things too, if you need to, or you may find it is cheaper to buy a better quality appliance or have a local mechanic supply a service instead.

The cost of water and electricity will be included in your Electricity and Water bills in the household budget.

The average monthly housing costs for England and Wales, as of 31 March 2013. There are different costs for different people depending on your situation. The figures below are based on average mortgage payment plus national insurance.

Cost of Rent

If you rent a room or flat, your rent will be deducted from your mortgage in the month you pay it.

A mortgage can be fixed or variable. A fixed mortgage has a fixed rate of interest. Most people pay it at a fixed rate for 30 years, unless they're over 55. They pay a little more for lower interest rates in retirement. A variable mortgage gives you an interest rate that increases over time. The interest rate depends on how much your income changes. For example, if you earn more money, you pay less interest. Fixed mortgage rate 115,240 The interest rate on a 115,240 fixed-rate mortgage at 3% is 118,720.

Fixed mortgage rate 4,200 The interest rate on a 4,200 fixed-rate mortgage is 449,440. Variable mortgage rate 6,400 The interest rate on a 6,400 variable-rate mortgage is 4,000. The interest rate for a 30-year fixed mortgage is 3%. The interest rate for a 30-year variable mortgage is 3%. Home Equity Line of Credit Interest rates on home equity lines of credit vary by type and interest rate. If you apply for an open-end, conventional fixed-rate home equity line of credit, you'll probably pay a fixed rate that is based on the prime rate, also known as the current interest rate.

If you apply for a reverse mortgage, the bank may set a variable interest rate that changes daily and may be set at a level that varies by time period of the loan.

In this video and podcast I talk with Ken Davie of Olschewski and Davie. Ken is a real estate lawyer whom I refer many of my clients to for closing their real estate purchases and sales. Ken and I talk about the real estate business and key things that buyers and sellers need to know and have ready to close a real estate transaction. I recorded this video with my iPhone X and DJI Osmo Mobile 2.

You can reach Ken at: [email protected] 204-478-1677

YouTube:

https://youtu.be/zJ5yPoBkQ8A

Music:

“Off The Grid” Brock Berrigan

About David:

I’m a real estate businessman. I’m a sailor, snowboarder, weightlifter, and outdoorsman. Part time philosopher. I hold a real estate license to trade real estate in Manitoba. I’m a licensed REALTOR® / Broker / Owner of my own brokerage DCF Real Estate Inc. I help people buy and sell real estate (houses and condo units). My main area of practice is in Greater Winnipeg.