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Marathon in Bordeaux, Sept 2017

All in the support of The Vintage Fund 2016 (Mental Health is This Years Charity), we are auctioning off a Marathon week in Bordeaux. On Saturday, Nov 5, 2016 at Willow Park Wines & Spirits 23rd annual Wine Charity, James Sichel (Chateau Angludet), Peggy Perry (Willow Park Wines & Spirits) and Bryon Howard (RE/MAX House of Real Estate)  are offering a Marathon Event of a Life Time!

Please considering purchasing a ticket for Willow Park Wines & Spirits Charity Wine Auction on Nov 5, 2016 – and bidding on this amazing auction item!

Marathon in Bordeaux, September 8th – 16th, 2017

Perhaps this should be described as two marathons.  You start with the Medoc Marathon on September 9th, 2017. Running on the Sichel Family Marathon Team, owners of Chateau Angludet and Chateau Palmer comprised of the Sichel family and your coach Bryon Howard, an Ironman competitor, extreme sport enthusiast and multi-marathon runner.

The Medoc Marathon is described as being the longest marathon in the world. You run through the vineyards of 42 Chateaus in the Medoc, by the estates in St. Julian, Paulliac, St Estephe and other appellations of this very famous region. This is a fun run with outrageous costumes and the opportunity to taste at 42 of Bordeaux’s most famous estates.  Bryon Howard will begin your tailored training program 18 weeks prior to Marathon Day on May 8, 2017 based on your existing fitness and goals. He will train and educate you for maximum race day performance & maximum fun!

Prior to the marathon, you will spend the night at Chateau Lagrange with Bryon Howard and that evening you will enjoy dinner with the Lagrange marathon team. After the marathon, a celebratory dinner will take place at Chateau Angludet. Then the
second marathon begins! A week of visiting more than 10 French Chateaus, tasting first growth wines, visiting top estates, taking meals with the winemakers all the while staying at Chateau Lagrange.
As you overindulge, you are safe in the knowledge that you burned a few extra calories at the beginning of the week!

Donated by Chateau Angludet’s James Sichel, Willow Park Wines & Spirits – Peggy Perry, & Bryon Howard

About Bryon Howard

Bryon Howard is a RE/MAX Realtor in Calgary, dad, husband & lover of self propelled sport. He and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

Real estate investors and homeowners share a common goal when it comes to the value of their home or portfolio. Everyone is looking to build equity. In real estate jargon, equity refers to the current market value of a property minus the balance of any mortgage loan owed to a lender. Equity is one of the main benefits of home ownership. In frenzied, seller’s markets, equity growth can sometimes appear to be exponential. Other times, it just creeps up in small increments through the years.

Many homeowners are content to take a passive approach and watch their property appreciate over time. Serious investors and homeowners looking to pull equity from one home to finance their next one are well advised to take an active approach to promote equity growth through renovations that will enhance the value of their property. Another way to increase equity is to reduce debt through early pay down of mortgage loan balances.

Here are a few proactive tips for building equity:

Maintenance and Upkeep

A house that is well-maintained will always retain more value than a property that is unkempt. More importantly, a home that is unloved and neglected can lose equity in the blink of an eye. Seemingly small items such as leaky faucets and roofs are equity killers when they lead to major damage. Maintenance can admittedly be boring. If you do not wish to perform the maintenance tasks yourself, consider hiring a handyman or property manager to protect your equity.

Renovation

Renovating is a great way to build equity in a property, but beware that not all home renovation projects offer the same return on investment (ROI). Before sinking hard-earned money into a makeover, talk with your Realtor to learn which projects are most likely to enhance the value of your home. This will vary considerably by property, neighbourhood and price point. On some highly-coveted building lots, a tear down of the existing structure will help build equity faster. In most situations, however, this is not the case. Kitchen and bathroom renovations traditionally bring the best ROI, but homeowners should shy away from over-the-top projects and high end materials that do not always deliver a good return.

Debt Reduction

Imagine owning a debt-free home, unencumbered by the constraints of mortgage loan financing. You can make this dream a reality with an aggressive approach toward pay down of your existing mortgage loan through shorter loan terms and extra payments. Even one extra mortgage payment a year can significantly reduce the duration and total cost of your loan. Each dollar spent to reduce the debt gets added to the equity column on your home’s balance sheet and, by making the extra payments on a voluntary basis, you maintain flexibility and the right to direct those funds elsewhere when the need arises.

Meticulous Tenant Screening

A bad tenant who goes months without paying rent and forces you into court to seek an eviction is a definite equity killer. It can get even worse if you find out they trashed your valuable asset. The best way to guard against bad tenants is to adhere to strict qualifying standards with in-depth screening. In addition to reviewing each tenant’s credit history and financial situation, insist on checking references with former landlords. Make an appointment to check in on the home periodically to ensure that the tenants are respecting your property. This will also afford you the opportunity to attend to any repairs that are needed.

One of the best things about being a homeowner is that it gives you freedom – the freedom to decorate and renovate your home as you see fit without requesting approvals. Once you have built up equity in a property, you will also realize the benefits of financial freedom and the security that comes with the ability to borrow money against the equity in your home. Over time, investing in Calgary real estate has proven to be a lucrative investment. Start building that equity now!

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-589-0004 or at TheHowardTeam.net.

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

First-time homebuyers face a myriad of choices when it comes to narrowing the search for their first home.  How much money to spend?  Which neighbourhood?  Downtown or suburbs?  These are all tough choices, and for some first-time buyers, another difficult decision is whether to put money down on a condominium or single-family home.  Some buyers know exactly what they want, while others need to do some serious soul searching and weighing of pros and cons to determine the best choice for their first home.

The Howard Team has worked with hundreds of first-time buyers over the years and we know how to ask the right questions to guide undecided buyers toward the choice that suits their budget and complements their long and short-term goals. We can educate them on the advantages and disadvantages of each choice and the intricacies of condo associations, maintenance fees and home maintenance.  Most importantly, we help them make the choice that is the best fit for their preferred lifestyle.  Here are a few of the questions we start with.

How long do you plan to stay in the home?

If you do not plan on owning your first property for more than 5 years, long-term goals are of less importance and can take a back seat to short-term considerations.  In this case, the best choice may well be the property that offers the best chance for rapid appreciation in the local market.  Based on statistical analysis and current trends, we can advise clients which neighbourhoods and type of housing are most likely to hold their value or appreciate.

What is your total budget for home ownership?

In many instances, condos are the more economical alternative and an excellent choice for first-time buyers looking to get the most house they can within the confines of their budget. Especially in Calgary, condos are a logical choice for many young, first-time buyers.   Nevertheless, it is critical that as a buyer you understand how to estimate the total cost of home ownership for condos vs. single-family homes so there are no surprises post-closing.

Do you have children or do you plan on starting a family?

Nowadays, when it comes to growing a family, it is not so much a question of how many kids you plan to have, but rather, how you plan to raise them.  The migration back to cities and downtown living is populated with many families choosing urban over suburban lifestyle.  Others still yearn for the extra square footage and freedom afforded by a single-family home with a backyard.  Fortunately, the Calgary market offers a wide range of options to suit almost everyone.

 What are your favourite leisure time activities?

This is probably the most important question and the tipping point for many buyers on the fence as to condo vs. single-family home.  Is your idea of a perfect Saturday afternoon tending to your large garden or visiting a museum? Would you rather be renovating your kitchen or snowboarding in your spare time?  How far are you willing to commute to work? Do weekend visits to a big box home improvement store leave you giddy with anticipation or bored silly?  These are lifestyle questions to help you determine if you are a condo or house person?   If you find yourself uncertain and leaning in both directions, it might be prudent to start your real estate venture with a condo, see how that feels and then move on to a single-family home down the road if it feels right.

Buying a first home is a life-changing event that merits careful thought and consideration.  Before launching your search for your starter home, sit down with an experienced Realtor to make sure you are heading in the right direction for you and your family.

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-589-0004 or at TheHowardTeam.net.

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.