Homes With Lacey

2012-02-21T09:54:00.000-08:00

Buying or selling? You made a decision that this is the time for you to move. I can provide a number of options to speed up the process and save you time and money. Please take a moment to read over some of the options that have assisted many of my previous clients.

Are You Tired Of Waiting?!?!?...

I Do More Than Just Put a Sign On Your Lawn:

Over the years I have developed many options tailored to my client’s needs. Let me help you end the wait. I offer more than just a sign on your lawn!

My clients have found the “We Trade Homes” option of great value in purchasing or selling their properties. I also encourage my clients not to overlook these other great solutions. Often a little help is all that is needed to turn your dream into reality and in the process save you money!

What if My Trade Option Is Not For You? You may wish to consider my interim financing option. I can tailor a plan to your needs and budget. This will aid in completing your sale or purchase and avoid any disappointment caused by buying with a “subject clause”. I offer more options than with traditional banks and without the expense and red tape.

Save CMHC Fees: In many cases my clients find that with only a small supplement to their cash equity they can arrange for conventional financing rather than with CMHC. This option can save you many thousands of dollars in mortgage fees that may not be possible through other realtors or lenders.

Purchase With A Partner: I do not offer this option to everyone, but this is an option that I offer to a few select clients each year. I invest the down payment, and rather than a loan, I may partner in sharing the equity for your first purchase. If you feel that home prices are getting away from you faster than you can save the required down payment, then this amazing option may be just what you are looking for.

Financial Challenges: From time to time clients find themselves in some tight financial spots through unforeseen and unfortunate circumstances. Give me a call. I have provided a number of solutions to help in keeping the wolf from the door. This can range from cashing you out on your property or providing easy financing to satisfy creditors until your property is sold. When challenges strike give me a call.

Tailor Made Options: I am in the habit of creating solutions. Bring your real estate needs to Westridge Realty Co. and see what I can do to assist you. In most cases I should be able to provide a solution to whatever challenge you may have. I have been specializing in creative forms of financing and have many satisfied clients to prove it. My motto has always been “All your real estate solutions under one roof” and for good reason.

If you would like more information on any of these solutions, or have any questions, please call me direct at (604) 910-LACE (5223) or email me at lacey@homeswithlacey.com. I look FORWARD to speaking with you soon!

How to Get Top Dollar - Part 2

2012-02-07T09:42:00.000-08:00

In my continuing series on “How to Get Top Dollar” I would like to talk about de-personalizing and editing your space.

As I mentioned in my last post in this series, making your home as appealing as possible to a wide array of people is the ultimate goal. One of the first things to understand is once you put your home on the market you must shift your thinking; now it’s time to approach your home as an object for sale– not as your home.

Start by de-personalizing your space. Remove the majority of personal photos and precious personal mementos. While these items are special and important to you, they don’t matter to those coming to view your home. People want to see your home – and the architectural elements that make your home special – not your family pictures.

Second, edit your space. Make your house clean, simple and easy to view by maximizing the space in each room. This means taking some time to sort through your belongings. You may end up donating things you no longer need or packing up items that are not needed until after you move.

You want your rooms to feel spacious, your closets to be organized and your home to feel welcoming. Making your home feel move in ready will help you get top dollar, as potential buyers won’t feel as though they will have additional expenses upon move-in.

If you’d like more information on getting top dollar I’m happy to chat or come by your home to give you some pointers. I look forward to speaking with you soon.

Introducing LOVE MONTH

2012-02-02T09:16:00.000-08:00

I'm excited to share my current promotion with you.

For February, the month of LOVE I am offering:

20% off your listing fees

$200 refer a friend bonus - gift card to Home Depot - Costco - or The Keg
(*Referral gift will be delivered when friends move into their new home*)

Looking to buy? Call about our special buyers home credit.

PLUS We're doubling our giving: 20% of all profits from new business between
February 6 - 20 will be donated to the charity of your choice

There's something for everyone!

2Gether WE CAN BRING CHANGE!

If you would like to talk with me directly about this promotion or anything real estate please feel free to call me at: (604) 910-LACE (5223).

*Listing discount received upon purchasing and selling with Lacey Forward*

Your Personal Fundraiser

2012-01-31T10:59:00.000-08:00

Did you know that your volunteer group or charitable organizations can be fundraising with me? Through our Dusty Shoes Foundation you can receive a sizeable cheque.

Here’s a brief run down of how it works:
• Contact Dusty Shoes Foundation to gain authorization to feature its brand on your emails, and any web sites that feature your particular group and your facebook account.

• Forward a brief outline of the details of your organization, and the purpose for the needed funding. Forward to Lacey@homeswithlacey.com

• Keep an eye out for those in your circle of contacts that may be thinking of Buying or Selling real estate. Tell them of your clubs fund raising goals and direct them to the Dusty Shoes opportunity.

• 10% of any business from buying or selling real estate that is generated from your contacts will be donated to your particular volunteer group, charity or foundation.

If you would like more information on starting your own personal fundraiser click here and call me directly at(604)910.LACE (5223).

How To Get Top Dollar - Part 1

2012-01-26T10:45:00.000-08:00

One of my favourite things is helping people get the MOST for their home.

Often a few simple changes before listing a home can help you stand out from the competition and bring in those top dollar offers. So, with that in mind, I am going to start a “Top Dollar” series where every month I share a tip on easy things homeowners can do to get the offers they really want.

This month I am focusing on paint, also known as the “liquid renovator.” Paint can honestly do wonders, and being fairly inexpensive the results vs. costs are awesome. When selling your home ensure it appeals to a wide array of people, this means that neon green wall in your son’s bedroom may need to go, or the chipped baseboards may need a facelift. A fresh coat of paint in a neutral color keeps things pleasing to the eye and makes things look move-in ready.

Here are a few popular and neutral paint colors that are current and work with a wide array of homes decor styles:

BM Grant Beige

BM Hazy Skies

BM Revere Pewter

If by chance you have a larger project that you need completed in your home I’m sure I can help with that too. When you visit my website click on the “Home Owner’s Toolbox” to find a list of trades people, companies and contractors that I recommend to help you with any of your home needs.

If you have any questions about your home I would love to chat with you, please feel free to call me directly at (604)910.5223.

2011 Year In Review

2012-01-24T10:08:00.000-08:00

If I were to sum up the Fraser Valley real estate market this year in one word it would be “modest.”

This is quite the change from what many of have known from previous years such as 2005 to 2008 where there was rapid growth in the real estate market.

Although this year was slightly lower than the average, it presented an opportunity for those looking to move up in dollar value, or, for the first time home buyer. Another great opportunity are the low interest rates that remained available throughout the year and are still available today.

History has shown that on average the real estate market in the Fraser Valley increases between 4% to 6% per year so anything over and above this amount is considered a bonus for real estate owners. A couple years ago we saw a correction in the market, a recovery then followed which now brings us to today’s date; more of a balanced market.

Even though 2011 was slightly lower than the norm this wasn’t the case for all; communities such as South Surrey took the prize for the highest increase in property values this year. This is a great example of why it’s important to acquire regular updates on property values specific to your current community or the community you’re looking to move to.

Just because the news says that there was an increase or a decrease that doesn’t necessarily mean this has affected your area. Do your due diligence and investigate the facts before you take that 10 second clip from the news to heart. REMEMBER real estate is a long term investment.

If you’re looking to move into a new home this coming year, plan on living there for a minimum of 3-5 years when considering your options. I welcome your calls with any questions or to receive a current market evaluation specific to your area.

Have a great year and I look forward to hearing from you soon!

Know The Market

2012-01-19T10:00:00.000-08:00

One of the most KEY pieces of information anyone needs to know before considering selling or buying a home is “know the market.”

The market is continually changing as supply and demand dramatically affects each community differently. Also, the type of housing you are considering can vary significantly from city to city. Just because the news says that the market went up or down does not necessarily mean this is the case for your community or the community you’re considering moving to.

Here's a great example: South Surrey took the prize for highest gain in property value for 2011, while the general year end reviews would label the Fraser Valley as having a less than average property value gains. Such broad statements don't prove correct in the case of South Surrey - this information is pertinent to making informed decisions.

Take the time to talk to a real estate professional to get the correct market information so that you can make the best decision possible.

Want to stay up to date? A great way to stay in the loop is to “like” my Facebook page. I am always posting market updates, real estate tips and relevant information. Go to my web page at www.homeswithlacey.com and click on the Facebook logo to be directed to my "like" page.

Have a question about the current market,or want to know what your home is worth right now? I would love to speak with you, you can reach me directly at 604.910.LACE(5223).

UPDATE!

2012-01-17T14:14:00.000-08:00

Since my last post at um.... THIS MORNING....
I just received notice from one of our lenders that they are offering 2.89% on a 4 year term.
This is worth looking into if you are currently in a mortgage already or if your considering a new one as there are MAJOR SAVINGS to be had.
Call me today at 604-910-LACE (5223) if you would like me to look into this for you.

Lacey

Saving YOU Money...That's What I Do!

2012-01-17T09:38:00.000-08:00

As some of you may have heard, some major lending institutions have lowered their fixed term rates.

Someone mentioned to me the other day that they were concerned that if the rates were so low people will increase their debt loads, possibly beyond their means. Be assured, individuals who apply for mortgages MUST qualify at the posted rates which are often always higher (over 5%).

However, the benefit to you is that you don't have to pay 5%. How does 2.99% sound??? Yes, it sounds great, its a HUGE savings! Take advantage of the low interest rates. I've had a few people ask me recently what I would recommend when choosing the type of mortgage whether that be variable or a fixed term. My answer is that the fixed term rates are pretty much the same as the variable rates so why wouldn't you lock in? It doesn't really make any sense at the moment to go for the variable rate if you can have security for 4 years at the same price. If you’re considering purchasing a new home its important that you get a pre-approval completed so that you can secure this low rate. Call me today and I'll connect you with the people you need to speak with in order to get this rate.

As for the current home owners who are likely feeling a little blue, YOU NEED NOT! Just because you may be locked into a 5 year term, or less, you could still potentially be able to change your mortgage to a lower rate and acquire some savings.

If you're interested in saving some money be sure to give me a call and we can look into it together. Part of what I do is I'm always looking for ways I can save my clients money. So what are you waiting for? It's worth at least a phone call: 604-910-LACE(5223).

RATE SALE! A note from Deborah Dickson @ RBC:
RBC Royal Bank Announces Special 2.99 per cent and 3.99 per cent Fixed Rate Mortgage Offers

TORONTO, January 13, 2012 - RBC Royal Bank announces a four-year special 2.99 per cent fixed rate mortgage offer and a seven-year special 3.99 per cent fixed rate mortgage offer. Both offers are effective January 14, 2012.

"We are pleased to offer all Canadians flexible mortgage options at outstanding value. Canadians can choose between our great low four-year rate at 2.99 per cent or affordable protection at 3.99 per cent for seven years. They can even combine the two within our flexible RBC Homeline Plan," said Marcia Moffat, Head, Home Equity Financing, RBC. "All RBC mortgages come with amortizations of up to 30 years and full prepayment privileges. Also, Canadians can take advantage of our "double up" feature to become debt free faster."

This rate is a discount off of posted rate and is only available on new mortgage applications made until February 29, 2012. Mortgage must be funded by April 30, 2012.
Other terms and conditions may apply.

I look forward to hearing from you soon!
Lacey

Hello 2012!

2012-01-12T09:08:00.000-08:00

What an amazing year 2011 was!
Not only was it a solid year for the real estate market but it was also a great year with much to be thankful for. Because of the many amazing clients I had the privilege of working with we were able to fund:

4 wells that will provide fresh water for an entire village in south East Asia

200 chickens that will provide food and an income for families in need

The life of 1 girl being restored from sexual human trafficking (in Canada - Our country).

6 Living Hope sponsorships for women in Africa through Watoto

There are countless times I've spoken with people who have expressed a desire to help bring change to the things that are NOT OKAY in our world however they don't seem to know where to start. "The problem is so large" they say, "how could I possibly help?"

I find people often overlook what's currently in our hand. It may be our gifts and talents, our time, or simply just putting up your hand and saying "I'll do it. " Sometimes it's even so obvious and we still seem to miss it! What's in my hand? My business. Real Estate. I made a choice 3 years ago to start the MORE TO LIFE program and that's how I'm able to play my part. What could you do? I encourage you to look at what's in your hand and see how you can BRING CHANGE and then make a choice to do something and then..... DO IT.

From the bottom of my heart thank you for your support and continued confidence in me. Without you this wouldn’t have been possible. So thank you. Would you join with me again this year in making a difference?

A portion of EVERY sale goes towards giving the marginalized in our city and in our world a hand “UP”. Should you, a family member, or a friend be looking to move in the near future please don't keep me a secret! The referral of your friends and family is greatly appreciated. I look forward to hearing from you soon! Together we can BRING CHANGE.

PS: If you would like to know more about these amazing charities click HERE

AND, don't forget about my current promotion. Any referrals received in January will receive a $350 gift card to HOME DEPOT - COSTCO - Or HARRISON HOT SPRINGS when your friends or family move into their new home! Don't miss out! There's no limit to how many people you can refer.

WINTER GETAWAY

2011-12-28T22:07:00.000-08:00

Every year (meaning this year and last year) *smile* my husband Tim and I have a tradition...we go away before Christmas. To choose where we go the conversation usually goes a little like this “where is it most likely snowing right now?”

Last year the location of choice was a cute little town Leavenworth, Washington where we were greeted with SNOW and lots of it! It was beautiful. The streets were all lit up and Christmas music was playing in the streets. We went for breakfasts at a cute little crepe café and for a sleigh ride at a local farm.

(Obviously. We always have to throw in a little “farm” wherever we go)

We did some exploring and found some BEAUTIFUL spots.

Tim visited the candy store. (He’s a 5 year old in a 26 year old body)

And we visited some of the gift shops. We found some hilarious ornaments and just HAD to show you *grin*. You can’t tell me this isn’t the best ornament you’ve ever seen right?

This year we booked a last minute trip up to beautiful Whistler BC. The thought of a long journey was not appealing as we just moved a couple days before plus a couple of my clients were up there the previous week and said there was lots of snow.

As you know this is the pre-requisite. So we booked it! We picked up a good ol’ ginger bread latte and enjoyed the beautiful scenery. When we arrived in whistler however we were greeted with the view of the pavement. That’s right….. NO SNOW. We had a little pitty party for about 1 min but we didn’t let this ruin the mood. We cranked Mariah Carey Christmas and a little Michael Buble and sat in front of the fire for the last 3 days.

Ahhhh…. So good.

Do you have any favourite places to visit during the holiday season?

My Christmas Tradition

2011-12-24T01:41:00.000-08:00

It's that time again!

Every year I have a tone of fun putting together my "christmas card" to you. It seems to have become one of my christmas traditions and I received a few emails through out the last month wondering if it was going to arrive. With my husband Tim and I moving a week ago things came together a little later this year. But it's here! I just got out of the studio.

My inspiration? Well.... it doesn't seem to look like we're going to get a white christmas this year BUT that doesn't mean we still can't DREAM for one so......... sit back, relax, and be sure to get your whistle ready! Wishing you and your family a very Merry Christmas and an incredible 2012! I look forward to serving you, your friends, and family in the coming year.

For your singing "christmas card" go to: www.purevolume.com/Lacey and click on "White Christmas"

Lacey Forward

604-910-LACE (5223)

www.homeswithlacey.com

Santa's Coming Early This Year!

2011-12-20T20:24:00.002-08:00

It's that time of year again and who doesn't like presents?

With that in mind I have created just the opportunity for you! Through the months of December and January, if you refer someone to me who's interested in buying or selling anytime in the New Year (2012) than you will receive a... $350 gift card for the store of your choice when they move into their new home.(Home Depot - Costco - Future Shop - or Harrison Hot springs Resort)

Now you may be wondering, “So what exactly do I have to do?”

While you’re out and about over the next few months with co workers, friends and family, be sure to keep your eyes and ears open for anyone who is considering moving in the near future.

All you need to do is have your friends or family call me and mention your name. Or the best way is to call or send me their name and number and I'm happy to contact them. You can reach me at lacey@homeswithlacey.com or 604-910-LACE(5223).

EVERY successful referral receives this gift from me and there is NO limit on how many referrals you can give. You can even refer yourself if you like! Perhaps this gift could pay for that power tool you’ve had your eye on, or you can take you're loved one to Harrison? The choice is yours!

This promotion only runs until January 31, 2012.

Also! Be sure to check out and LIKE the new facebook page at http://www.facebook.com/pages/Homes-with-Lacey/243464939023796.
You'll find mortgage rate updates, current and time sensitive information on the market and a little bit about me personally may sneak onto the page every once in a while.

All the best this Christmas Season. I look forward to hearing from you soon!

Lacey

PS: My current business has been built up to approx 80% referral based. This is because of the many people who have entrusted me with the care of their friends and family over the years. I look forward to meeting your friends and family and offering the same high level of service to them. Thank you for your support.

Happy Monday!

2011-09-19T12:28:00.000-07:00

So.... The realtor association that I'm associated with has made this great commercial and I can't not share it with all of you. NOW... this is an extreem example of how a realtor helps however you never know who your next client may be and what they will need.
Take a peek :)

http://www.howrealtorshelp.ca/#video-old-woman-documentary - Click here

Enjoy your week.
Make it a GREAT one.

Lacey
604-910-LACE (5223)

Townhouse Anyone?

2011-07-05T18:47:00.000-07:00

Hello everyone! As promised I am continuing my TRIBUTE TO THE RENTER. Last week we discussed and outlined the cost to purchase a Condo and this week I will be highlighting the purchase details of a Townhouse. Read below!

TOWNHOUSE PURCHASE

Purchase Price - $325,000 (3 bedroom Townhouse)
Min 5% Down Payment - $16,250
Mortgage with Insurance Premium - $317,858

Mortgage Rate- 3.79% (there are lower rates out there but I'm being conservative)
Amortization - (length to pay off the loan) 30 Years
PAYMENT: $1474 Month

So once again I ask the question..... WHY ARE YOU RENTING?
Consider purchasing a condo or townhome and Own for a similar price if not less than renting!
If your single considering renting out one of the rooms to a room mate for $500 month. This is what I did for 4 years before I got married and it worked great.

The average property goes up 6-8% a year and sometimes more. So why not consider paying yourself the rent instead of the landlord!?

But Lacey, I don't have enough for a down payment. That's okay! Ask me about our Partnership program that we offer a few select clients per year.

Call 604-910-LACE (5223) with your questions.
It's worth at least a phone call :)

LACEY

2011-06-28T16:33:00.000-07:00

This email is dedicated to all you renters out there!

I'm currently in the process of working with a few first time home buyers educating them about the market, how to prepare and what is required to purchase a new home.

In the process I thought that you renters out there may be interested to see that it's the same price IF NOT LESS to own your own home instead than it is to pay rent!
Take a look at the two scenarios that I have put together for a purchase of a condo that is under five years old. I've also included a picture of a live example. Over the next couple weeks I will also include scenarios for a town home purchase as well a a house so stay tuned!

This could be your home!

SCENERIO #1 - Condo

$150,000 Purchase
5% down payment $7500
(you would need this amount or consider a partnership with Westridge Realty) see http://homeswithlacey.com/we-finance.html
CMHC insurance fee - $4204
Total Mortgage - $146,704
Mortgage payment: $560
property taxes: $65
Condo fees: $132
Utilities: $30

TOTAL MONTHLY PAYMENT : $787
INCOME REQUIRED: $27,000
That's approx $14 an hour!!!

SCENERIO #2 - Condo

$200,000 Purchase
5% downpayment - $10,000
CMHC insurance - $5605

Mortgage Payment- $747
Property Taxes - $65
Condo Fees - $132
Utilities - $30

Total Monthly Payment - $974
Total Income Required - $34,000

THAT'S approx $18 an hour!!!

Consider getting a room mate and charge them $400 to $500 per month with this scenario and then it only costs you approx $500 to own!

On average the Real Estate Market increases about 6 - 8 % a year and sometimes more! Interest rates are at all time lows plus it's a great market currently for you first time buyers with ample product to choose from.

If you are finding it hard to save up for a downpayment call me today and allow me tell you about our partnerships that we offer a few select clients per year.

So what are you waiting for?

Call me today and let's set up a plan tailored to your needs. Whether you're looking to buy now or down the road, It's never too early or late to start the process!
I look forward to hearing from you.

LACEY
604-910- LACE (5223)

2011-06-21T22:17:00.000-07:00

Shortly residents of B.C. will have the opportunity to vote on this question regarding the HST tax.

Are you in favour of extinguishing the HST (Harmonized Sales Tax) and reinstating the PST (Provincial Sales Tax) in conjunction with the GST (Goods and Services Tax)? Yes or No?

* The first point to note is the format of the question.
* If you vote YES – then you do not want the tax.
* If you vote NO – then you agree with the tax and its proposed changes.

Now that the question you will be voting on is clear, I would like to bring forward some of my views on the impact this tax has on the real estate market and the economy of B.C.

Prior to the tax coming into effect on July 1, 2010 most transactions relating to real estate were not taxable at the provincial sales tax level. Many believe that is still the case until you take a closer look. Even if you are not buying or selling a property, you are still affected by this tax if you own property.

IF YOU OWN YOUR HOME:
Only three examples from a long list:
When you own your home, you want to keep it in good condition. Prior to HST many trades people that may work on your home did not charge PST on the labour portion of their work. With HST you are now charged this tax. This has added 7% to your maintenance costs.

You wish to do a refinancing to buy another property, reduce your interest cost or debt consolidation. Your legal fees, the land appraisal, and other associated services are now charged an additional 7% tax. This amounts to a few hundred dollars in many cases.

Many building supplies that were excluded from PST such as energy efficient products or agricultural products are now charged an additional 7% tax. You wish to upgrade the insulation in your home for example; you are now charged an additional 7% tax to be energy efficient. That seems pretty smart?

YOU WISH TO PURCHASE A PROPERTY OR SELL YOUR EXISTING PROPERTY:
Prior to July 1, 2010 most services related to this were not subject to the PST. The GST is another topic, but we do not have the opportunity to vote on this tax. How are you affected?

Most transactions require the services of a lawyer or notary. You are charged HST on their services.

Most transactions require a land appraisal. You are charged HST on this.

Most transactions engage the services of a Real Estate Agent; you are charged HST on this.

You use the services of a mover or rent a truck to move. You pay HST

Another point to consider is that most moves involve two transactions – You sell so you can buy. The HST then has double the impact.

YOU WISH TO PURCHASE A NEW HOME – or a building lot to build your dream home:
This particular real estate transaction has the greatest cloud of confusion hanging over it! Most buyers and most realtors do not fully understand this particular unique transaction.

One of the largest contributors to the B.C. economy is the new housing business. Everything from trades people, the lumber yards, the furniture stores to the garden shop are dependent on the new home market. Add to this the fact, that if the supply of new homes is reduced then the supply of used homes is also reduced. This has the net effect of supply and demand driving housing prices up.

Further to this, the market has a supply of new homes available for sale by good builders that, in many cases, are being offered at prices equal to or below the prices of similar used houses. Why are purchasers not buying new houses? Why are some buyers paying more for a used house than a new house? They are confused in many cases about the impact of the HST. If confused stay with what you know, buy used even if you pay more!

If you didn’t know that new is less than used – call me and I will show you proof. Prior to July 1, 2010 land was not subject to the PST tax. This is no longer the case.

Before I add to the confusion however, you do get some tax breaks. A system of tax credits or refunds up to a maximum of $26,250 to be applied to your tax bill is available. This helps soften the tax blow to some degree. You do not pay the full tax at the full rate on a New Home to be clear, but you do pay some tax depending on the value of the new home. [subject to some conditions] See what I mean about confusion!

Now for a simple overview of the impact that the HST has on the New Housing Industry:
* Prior to HST the land component {about 50% of a new home cost} was exempt from taxes. Not now.
* Prior to HST about 50% of the cost of the home construction was exempt from taxes.

* About 50% of a homes cost is labour or materials such as insulation and energy efficient items that are totally tax exempt. This is not the case with HST.

* Include the services that a purchaser of a home will need, as with any home purchase

New or Used Are Also Taxable:
With new housing starts down, mainly due to the “confusion” and the production of building lots down, do you suppose this is affecting our economy? One reason we are seeing such high housing inflation in some pockets of the Fraser Valley is due to the reduced supply of New Homes. Further to this a huge employer is the new home industry. Watch the unemployment rates fall, as the housing/construction sector becomes more robust.

Does the HST affect new homes? You bet! Check out the government's own web site for an example of the increased taxes on a new home as compared to pre-HST times. In most cases the builders are absorbing this tax increase reducing the supply of new homes to the consumer. SOME GREAT BUYS HOWEVER!

See the link http://www.hstinbc.ca/buying_goods/buying_a_home/

In case you are having some doubts about what my opinion is, let me make another comment. The B.C. Government is making the claim that by 2014 [about two years from now] I will be saving about $120 per year on my HST.

After reading my comments, do you think I should wait two years for the $120, or should I vote YES – which really means NO!

If you have any further questions please feel free to contact me – call 604-910- LACE(5223).

2011-06-14T21:41:00.000-07:00

The Dusty Shoes Foundation is focused on volunteer groups that provide an important role in the fabric of our communities. These groups are many, and can range from Kids Sports Teams to your church, non profit organizations, charities and foundations, to your neighbourhood food bank. They all need funding to operate, and this simple opportunity can be part of your funding plans.

An EXAMPLE of What You Can Achieve:

A referral to Lacey Forward of Westridge Realty Co.is received from your circle of contacts. Your friend receives great service and completes their real estate transaction.

(ie. A common transaction could be to sell a townhouse and buy another property. Based on this simple referral, your group could receive as much as $2,400. Perhaps even more. This sure beats a car wash, and your effort is minimal.)

HOW TO START YOUR OWN PERSONALIZED PLAN:

1. Contact Dusty Shoes Foundation to gain authorization to feature it's brand on your emails, and any web sites that feature your particular group and your facebook account.

2. Forward a brief outline of the details of your organization, and the purpose for the needed funding. Forward to Lacey@homeswithlacey.com

3. Keep an eye out for those in your circle of contacts that may be thinking of Buying or Selling real estate. Tell them of your clubs fund raising goals and direct them to the Dusty Shoes opportunity.

4. Personalized cards featuring your organizations fund raising plan will be produced so that the members of your organization can hand these out to interested parties.

5. 10% of any business from buying or selling real estate that is generated from your contacts will be donated to your particular volunteer group. Everybody at some time or another will deal in real estate. Why not participate and aid your particular group?

Everybody wins! Your friend receives great service, and your volunteer group receives a sizeable cheque. We can only do so much on our own – So let’s see what we can do together !

Contact Lacey Forward of Westridge Realty to set up your program:

(604) 910-LACE (5223) or email: Lacey@homeswithlacey.com

Some exclusions may apply. All real estate transactions will be with Lacey Forward and Westridge Realty Co. as broker.

2011-06-07T16:17:00.000-07:00

Are You Tired Of Waiting?!?!?...

I Do More Than Just Put a Sign On Your Lawn:

2011-05-31T09:55:00.000-07:00

I LOVE my job and I LOVE real estate, but, above all I LOVE seeing a life touched by the love and kindness of others and being able to be a part of it. I truly believe THERE’S MORE TO LIFE than what’s going on in “My World” and I have been challenged to look outside those walls and ask myself how can I help?

So, when you buy or sell a home with me, Lacey Forward, I will automatically set aside a portion of my commission to be dispersed to various aid organizations throughout Canada and the world. At the end of a successful sale you and your family will be able to decide which cause the funds will be dispersed to from the choices below and the funds will be distributed through our foundation “the Dusty Shoes Foundation.”

So join me in striving towards something greater than ourselves. Together we can make a difference!

I Am Currently Supporting Three Causes:

Canadian - Sexual Human Trafficking: Deborah's Gate

International - Sustainable Living

International - Watoto: Living Hope

For more information on my giving through the Dusty Shoes Foundation or for detailed information any of these organizations please click here to visit my web-site.

As always, if you have any questions, feel free to give me a call at any time:

(604) 910.LACE (5223)

2011-05-25T22:44:00.001-07:00

*FINANCING OPTIONS EXCLUSIVELY FOR CLIENTS OF LACEY’S & WESTRIDGE REALTY*

My clients have found the We Trade Homes option of great value in purchasing or selling their properties. I always encourage my clients not to overlook the other great financing options we also offer. Often a little help is all that is needed to turn your dream into reality and in the process save you lots of cash!

What if My Trade Option is Not For You?
You may wish to consider my interim financing option. I can tailor a plan to your needs and budget. This will aid in completing your sale or purchase and avoid any disappointment caused by buying with a “subject clause.” I offer more options than with traditional banks and without the expense and red tape.

Save CMHC Fees
In many cases my clients find that with only a small supplement to their cash equity they can arrange for conventional financing rather than with CMHC. This option can save you many thousands of dollars in mortgage fees that may not be possible through other realtors or lenders.

Purchase With a Partner
I do not offer this option to everyone, but this is an option that I offer to a few select clients each year. I invest the down payment, and rather than a loan, I may partner in sharing the equity for your first purchase. If you feel that home prices are getting away from you faster than you can save the required down payment, then this amazing option may be just what you are looking for.

Financial Challenges
From time to time clients find themselves in some tight financial spots through unforeseen and unfortunate circumstances. Give me a call. I have provided a number of solutions to help in keeping the wolf from the door. This can range from cashing you out on your property or providing easy financing to satisfy creditors until your property is sold. When challenges strike give me a call.

Tailor Made Options
I am in the habit of creating solutions. Bring your real estate needs to me. and see what I can do to assist you. In most cases I should be able to provide a solution to whatever challenge you may have. I have been specializing in creative forms of financing, and have many satisfied clients to prove it.

When you are thinking of moving you owe it to yourself to at least find out the details of this amazing offer.

All of the above features offer my clients superior real estate service, a faster sale and more money in your pocket.

You never know until you ask, it's at least worth a phone call.
Call (604) 910.LACE (5223).

MORTGAGE UPDATE and DEBT CONSOLODATION

2011-05-17T08:00:00.000-07:00

Hello my Faithful Blog Readers!

I came across this write up from one of the amazing mortgage advisors I work with and thought I would let you in on it. It covers where things are currently at with interest rates and lets you know about some of the FREE services that we provide to help you save money.

A NOTE FROM BJ BLOCK - http://bjblock.mortgagebrokerteam.ca/

Rate News – One of the most asked questions we’ve received lately is regarding interest rates, and where they’re headed. While its impossible to predict the future, one of the key indicators we pay close attention to is policy set by the US Federal Government. Ben Bernake, U.S. Federal Chairman confirmed recently that the exceptionally low interest rates in the US will last for an ‘extended period of time’. Though the Canadian economy is in considerably better shape, most analysts predict that we won’t see any movement in our Prime rate until the announcement on July 19th. Even if rates begin to rise, we don’t expect them to rise too quickly or too aggressively. For this reason we are still recommending variable rate mortgages to our clients who qualify, while maintaining options to ‘fix’ at any time for long term planning.

Debt Consolidation - The debt load the average house hold carries has garnered significant press recently. I’m often surprised by how many clients continue to carry high balances on credit cards and student loans when there is equity in their home they can access. Whether it be a Line of Credit, or a small second mortgage, there are a variety of products available for people who have equity in their home to consolidate debt. I recently went through this process with my mortgage and took out a small home equity line of credit to consolidate some of our debt. By doing so I’ve saved nearly 15% in interest, and have been able to manage and pay down debt much easier.

Call me today and allow us to see if we can help you save some money and put a plan together specifically for you.

What are you waiting for? It’s worth a phone call at least......

604-910-LACE (5223)
www.homeswithlacey.com

IMPORTANT HST NEWS

2011-05-13T11:37:00.000-07:00

An important vote is coming shortly. Speak up with your views. Note [this survey is not my survey, and it is submitted directly to those in the Government that need to hear your input]

PASS THIS EMAIL ALONG TO ANY INTERESTED PARTIES – THIS IS IMPORTANT!

Should the HST be reduced on home purchases?
Should the overall rate be reduced?
If you have strong feelings on the HST... now is your chance to express them.

This weekend is the final weekend prior to the referendum in June to participate in the BC government's survey seeking input on improving the HST.
Please take a few minutes to complete this brief survey,
It closes on Monday, May 16.
Thank you to BCREA for forwarding!

PS/ Contact me if you have any questions regarding the HST, and how it impacts you and your real estate. This may aid you when you are completing the survey.

CALL 604-910-LACE (5223)

{ Mortgage Update and Debt Consolidation }

2011-05-11T17:50:00.000-07:00

Hello Faithful Blog Readers!

I came across this write up from one on my amazing mortgage advisors BJ Block and thought I would let you in on it. It covers where things are at currently with interest rates and lets you know about one of the FREE services we provide to help you save money. I encourage you to call me @ 604-910-LACE (5223) should you have any questions or if you would like some more information.

A NOTE FROM BJ - http://bjblock.mortgagebrokerteam.ca/

Rate News – One of the most asked questions we’ve received lately is regarding interest rates, and where they’re headed. While its impossible to predict the future, one of the key indicators we pay close attention to is policy set by the US Federal Government. Ben Bernake, U.S. Federal Chairman confirmed recently that the exceptionally low interest rates in the US will last for an ‘extended period of time’. Though the Canadian economy is in considerably better shape, most analysts predict that we won’t see any movement in our Prime rate until the announcement on July 19th. Even if rates begin to rise, we don’t expect them to rise too quickly or too aggressively. For this reason we are still recommending variable rate mortgages to our clients who qualify, while maintaining options to ‘fix’ at any time for long term planning.

Debt Consolidation - The debt load the average house hold carries has garnered significant press recently. I’m often surprised by how many clients continue to carry high balances on credit cards and student loans when there is equity in their home they can access. Whether it be a Line of Credit, or a small second mortgage, there are a variety of products available for people who have equity in their home to consolidate debt. I recently went through this process with my mortgage and took out a small home equity line of credit to consolidate some of our debt. By doing so I’ve saved nearly 15% in interest, and have been able to manage and pay down debt much easier.

I encourage you to take us up on this offer. Should you have any debt allow us to see if we can help save you some money. REMEMBER It’s not always about how much money you have but it’s how you manage it and what you do with it!

What are you waiting for? It’s worth a call......

604-910-LACE (5223)

www.homeswithlacey.com

2011-05-10T21:20:00.000-07:00

Ok, you're going to love this one...I promise. It combines two of my favourite things: burlap (or in your case, maybe a fabric you L O V E) and creativity. And just in case you're wondering I have lots of both!

In my never-ending search to find you some awesome and creative home decor ideas I came across a a bulletin board makeover done two ways...and I thought I would share them both with you. The reason I liked them is because they do TRIPLE duty, three in one, yep, that's my kind'a deal!

1. They are pretty - we all need some pretty in our house
2. They are practical - they are functional and will help keep you organized
3. They take up wall space and can easily be "art" - and lets face it, artwork is expensive, so this is great!

The first one is from "Hodge Podge" - a local Vancouver blog....Barbara does some awesome DIY projects, including recovering a bulletin board with burlap. Check it out:

To see how she did it step by step follow this link:

http://hodgepodge-babselou.blogspot.com/2010/04/burlap-bulletin-board.html

The next one is from Canadian designer Sarah Richardson, and was recently featured on an episode of her show "Sarah 101":

An inexpensive mirror (let's think Sally Anne, Value Village or Craigslist!) was removed from it's frame and then fabric was glued to foam core and re-inserted into the frame. Beautiful, practical and fills up the wall space perfectly.

Both versions of the DIY bulletin board are simple, practical and easy to do. They also add a bit of character and interest to your home that you can easily take with you if you ever decide to move. And if moving is in your near future, don't hesitate to give me a call!

*Lacey

2011-05-03T11:00:00.000-07:00

Over the next little while I would like to share about some of the amazing programs that I offer to my clients. Let’s just say I don’t just put a sign on the lawn. We Trade Homes, We Finance, and We Partner. What do I mean by this? Continue to read and I will tell you....

“WE TRADE HOMES”

This common question is always asked: "How does it work?"

To be fair, this is not a service that most realtors commonly offer their clients. The main reason is, realtors usually are not willing to take the risk.

At Westridge Realty, I, Lacey Forward, offer this service to my valued clients to make your real estate needs simpler and thereby removing risk to my clients! Hopefully the following will give you a brief overview of how this amazing service works.

1. Have Lacey Forward represent you as your Buyer’s Agent.

2. Place an offer to purchase on a Westridge Realty Co. listing.

Lacey will prepare an accurate market evaluation for your existing property.

3. List your existing property with Westridge Realty Co. on the MLS service.

4. If your property fails to receive an accepted offer to purchase within 30 days from the listing date, then you will receive a pre-determined “Guaranteed” price for your property. The worry and inconvenience of waiting for an offer on your property is now removed.

My clients have found the trade program to be a valuable asset and service for the following reasons.

· Take the uncertainty out of moving. Most buyers make an offer on their dream home “ Subject to the sale of their existing property.” What generally happens is another party without property to sell, makes a competing offer and then your offer to purchase falls apart. You are now back to square one. Avoid this disappointment by trading.

· Some buyers chose to buy non subject, and then obtain interim financing. This is costly and you run the risk of owning Two Properties. Trading removes this expense.

· Sellers when entertaining offers want to know that their property is sold. Many wont’ accept a buyers “Subject Offer”. I am usually able to negotiate a better purchase price for my client, based on the fact that the sellers are certain of a sale.

· Your existing property gains better exposure to the buying public because they have the option of also “Trading” and they know that a trade property is priced right on the market by a motivated seller.

· When I receive an offer on your existing property, I can once again offer this amazing service, so that you may receive an offer without the subject to sale clause!

· Perhaps you wish to build a NEW HOME and you don’t want to move twice. Trading may offer you the advantage of remaining in your existing property until your new home is complete. This can avoid the cost and inconvenience of calling the movers twice and renting interim accommodation.

When you are thinking of moving, you owe it to yourself to at least find out the details of this amazing offer!

All of the above features offer my clients superior real estate service, a faster sale, and more money in your pockets.

Some flexibility and certain restrictions may apply. You never know until you ask. It is worth at least a phone call.

604-910-LACE (5223)

2011-04-26T11:11:00.000-07:00

Every now and then you’ll find me sharing a few of my favorite things…everything from people, to places and just some random things too!

This time around I wanted to share with you one of my favorite places to visit: Porter’s Coffee and Tea House in one my favorite neighborhoods in Langley…… MURRAYVILLE.

A 110 year old heritage building, once of the home to the Porter family, Porter’s sits next to the round-a-bout at 216^th and 48^th in the heart of Murrayville. Not only do they have home made fresh baking, sandwiches and soups, they have a great selection of old style candy (reminiscent of a good ol’ candy store), live music and YUMMY breakfasts!!!

I love breakfast food and it’s one of my favorite places in Langley to visit and enjoy a great breakfast with my sweetheart or good friends. You will often find Lisa and me having our meetings over a great breakfast and a cup of coffee.

If you haven’t visited Porter’s I would encourage you to go check it out. They have live music various Friday and Saturday nights…what a great place for a special night out or date night. Quaint, unique, comfortable and certain to have something for everyone’s taste buds.

2011-04-19T17:41:00.000-07:00

In today’s world it seems as though the art of entertaining and hospitality has been lost. Life is busy, full to overflowing with things to do. We’re meeting, tweeting, Facebooking, on our phones, our computers and not really welcoming people into our homes, unless it’s on our computer!

A couple weeks ago the Bakers talked about the ability to turn any house into a home…I want to run with this idea and explore it a bit more.

One VERY simple way to transform your living space into a welcoming home is let people in. Open the doors, invite people in, enjoy spending time with others. Now I don’t want you to get overwhelmed with the thought of having to entertain and host people for a whole meal, start with something simple like appetizers or dessert.

As newlyweds, Tim and I love having people in our home, and sometimes it happens to be very last minute, or even surprise guests. I have two tips I thought I’d share to encourage you to relax your entertaining style and just go with it:

1. Easy Appetizer – my all time favourite appetizer is super simple to prepare and only requires three ingredients. I make sure I keep these things on hand at all times: cream cheese, sweet chili sauce & crackers. Place your cream cheese on a large plate, pour sweet chili sauce on top and serve with crackers. Delish…..and always a crowd pleaser.

2. Bake & Serve cookies – who doesn’t really love a good cookie?? When you bake cookies double your batch and instead of baking all of them at the same time, roll half the dough into logs, wrap in plastic wrap and freeze. When unexpected guests pop in, put on a pot of coffee and pull out some frozen cookie dough. Cut into pucks, place on the baking sheet and in 12 minutes (or so) you have fresh baking!

2011-04-12T20:12:00.000-07:00

Hello!

Continuing our look at getting a garden going I thought I would share a couple posts from the "Reluctant Entertainer."

Her blog is full of great ideas for home, entertaining and gardening. She talks a lot about growing what you love, eating from the garden and making the most of what you have without blowing the budget.

Here are links to her first two posts in her gardening series this year:

http://reluctantentertainer.com/2011/03/gardening-and-building-raised-beds-in-the-city/

http://reluctantentertainer.com/2011/04/gardening-amending-the-soil-for-raised-beds-in-the-city/

Tim and I have been working out in the garden the last couple days enjoying the sunny weather. My raised garden bed is almost built now and I will be posting some photo’s to share with you soon. It’s turning out REALLY well and I think some of you may enjoy this style of gardening as an alternative.

Stay tuned!

2011-04-05T12:00:00.000-07:00

I LOVE this photo…it’s my inspiration shot to get me moving and working in the garden!

Spring has SPRUNG! It is time to get out in the yard, do some clean-up, some trimming and plant your garden. Maybe you’re scared of gardening, maybe you think your thumb is more black than green, well be encouraged my friends, you can do it!

Even I, yes I, went to the garden shop the other day to buy some seeds! I was leafing through a gardening issue that Martha Stewart put out the other month and I have anxiously been waiting for this cold weather to go away. Now that the cherry blossoms are blooming it’s a pretty good sign that spring has arrived! So Tim and I are going to work out in the garden over the next couple weeks to start to get things “Spring Ready.”

My plan is to do a little vegetable patch in my backyard and to add a few more herbs to my garden this year. Because I have limited space and I like things to grow fast (are you surprised? I admit I am not always the most patient lady. That’s why I have a large amount of miracle grow for my flowers in my garage!) I have asked Tim to help me make some homemade boxes to grow some veggies in. Hint: Boxes that are elevated off the ground will help the soil heat up and will help your plants grow faster.

Over the next few weeks, stay tuned for some great gardening inspiration, I have found a number of blogs with excellent tips on how to get going in your own garden.

Martha Stewart has some great information on starting your own vegetable garden, everything from seed starting, planting and garden prep to a vegetable garden glossary. Check it out:

http://www.marthastewart.com/photogallery/planning-your-vegetable-garden

Don’t have a big backyard? No problem! Container gardening, indoor vegetable gardens and “square foot gardening” is simple and easy to do.

Have you had gardening success? If so, I’d love to hear your tips and ideas, please feel free to leave a comment.

Happy Planting!

Lacey

2011-03-29T16:37:00.000-07:00

The Grand Finale….Drum Roll Please…

With cash in hand and a quick closing date the search was on to find our new house. (***We say “house” specifically instead of “home” because it’s a good lesson to learn that you can make any place into your HOME***) Don’t get bogged down by nasty paint colors, overbearing carpet or retro flooring….a house will be transformed into your home when you add your own unique touch and character.

Unfortunately, finding our new house wasn’t as glamorous or as easy as expected. You would think that cruising the streets with cash in your pocket would make the search a breeze – this was not so for us. We had very specific needs, this, combined with the market slowing down for Christmas, limited our choices. We had a “short list” of things we required – not wanted – but NEEDED (*** Be sure to break down your wants from needs before you head out looking for homes. This can help you really determine what house is best for you***) we searched, and searched AND SEARCHED. We literally knew EVERY house in the entire Langley area and spent copious amounts of time driving, viewing and praying about what house was right for us.

We were down to the wire in our search, the last week we really had before we needed to start sourcing out a rental for the interim (Lacey learnt not to say the “R” word to Lisa unless she wanted to see spontaneous tears!!! She really didn’t want to have to move twice, anyone with children will understand this).

There was one house we had seen online, we were skeptical it would have the space and “potential” we needed, but the yard was AWESOME. We didn’t get our hopes up because there was already an accepted offer. So, we waited. We stopped looking and kept packing, not really knowing where our little family would land.

Then one Friday morning Lacey called. She had just got off the phone with the listing agent and the offer had fallen through! We had nothing to loose so off we went!

And......... drum roll please...........WE FOUND IT! A house we could make our home! A yard our kids could romp in from morning till night, a dead end street that would make a great track for some serious bike riding. There was some updating to do, but there was potential. It met our needs, proved to help us reach our short and long term goals and would be a great investment for the future of our family.

From the beginning, and right through to the very end, and with every up and down, Lacey was positive, upbeat, encouraging and support of the decisions we were making for our family. She listened to our concerns and respected our decisions. She worked hard on our behalf, negotiating the best deal on the home we sold and searching out any and every option for a new home. Her extensive experience, and family history of builders and developers, gave her the knowledge to answer all our questions and helped us think of potential costs/options to renovations we may have never considered. If you are thinking of buying or selling we would highly recommend Lacey. Her passion for people and her integrity are her driving forces; she is courteous, honest and dependable. We have not only gained a realtor we have gained a great friend.

Here are a few pictures of our new house:

Front Of House & Front Yard

Back of House

Backyard from Far Corner

Stay tuned in coming weeks for before and after pictures....as the Bakers turn this house into their home.

2011-03-24T09:46:00.000-07:00

Decaf? Not A Chance!!!

It’s a funny thing when you sell your home; you get to know your Realtor REALLY WELL. And in our case, we already knew Lacey socially, so, it quickly became like spending time with family…relaxed, easy and comfortable. Our comfortable repertoire would prove vital…as we embarked on viewing a number of properties and entertaining offers late in the wee hours of the night. (***make sure you feel comfortable with whomever is going to help you buy and sell homes…you need to be able to voice your feelings, thoughts and ideas***)

The first large property we found didn’t end up being the right one for us, we did have an accepted offer on it; however, it was subject to the sale of our home, and that didn’t happen before our offer was bumped by a second offer. In the midst of writing offers it’s crucial to STAY FOCUSED. (***stay true to your “must have list” and don’t get emotionally attached to any property…those emotions can make you do crazy things***) Although large property #1 wasn’t for us, we did learn a few things that would help us down the road, and most importantly, we learned we loved the idea of a large property…it seemed like the best short and long term plan all in one.

Even though we had lots of interest in our home we had no offers. We rode out the market as long as possible before considering, and reconsidering, the idea of a price drop (GASP!!). ( ***It is very important to know and agree on what your “bottom line” is for your home, it is equally important to know and understand the real estate market and what your home is worth to other people***) At times we struggled with this idea, and to be honest, just wanted to call the whole thing off. At times we wondered what in the world we were doing.

Eventually we did decide to do a price drop and it proved to be very successful. Suddenly we were entertaining and negotiating multiple offers on our home. It was fun, exhilarating, exhausting and required copious amount of caffeine to function. After MUCH hard work we had negotiated a solid and secure offer on our home.

Now it was time to find our new home! Now we had cash in hand and were ready to write an offer!

The Bakers - Part 3

2011-03-08T11:30:00.000-08:00

“Turn on the GPS – We’ve Had a Change in Plans”

During our real estate adventure one of the largest struggles we had was looking down the road. What will life look like for our family in three, five or even ten years? With hopes of Matt making a job shift and having Lisa’s dad living with us permanently there were MANY dynamics to consider and, at times, thinking five or ten years down the road was a little overwhelming and exhausting. (***make the most of your move and your money, don’t just think about life next year, but down the road, you want to be in a house long enough to recoup the costs of moving, as well as enough time to make money off your property***)

A potential job change could easily drop Matt’s wage significantly, this was a major factor in selecting the price range we wanted to stay within.

While waiting for action on our place the dynamics changed!

Matt received an opportunity to apply for a management position with the company he works for. The job change we had been factoring in for “down the road” just popped up on the road map and changed our real estate direction.

We are happy to say the job opportunity came to fruition and amidst our road to finding our new home we were happy to wipe one factor off the map. He made a great job shift and we were blessed that there was very little adjustment in pay.

With one factor out of the question we needed to reconsider our game plan. A change in salary was no longer a factor, and somehow a Brookswood home didn’t seem like a “long term” decision. Would it do the job – yes, would it be the best for us – probably not.

So we took a turn in the road and found ourselves looking at a large piece of property with an older home…the thought of more yard for the kids to enjoy, neighbors not so close by and a home that we could live in for years and then rebuild on the same land suddenly became VERY appealing!!!

A MESSAGE TO ALL YOU FIRST TIME HOME BUYERS!

2011-02-08T10:00:00.000-08:00

Just a reminder to all you first time or soon to be first time home buyer's out there! Be sure to get your RRSP contributions into the bank before the end of the month! This is the best savings plan out there as not only are you saving money towards a new home but you are also getting a credit on your taxes for 2010. If you would like more info on this program be sure to read my post on December 7, 2010 or give me a call and I am happy to help with your planning process.

Talk to you soon!

Lacey
604-910-LACE (5223)
http://www.homeswithlacey.com/

IMPORTANT - New Mortgage Rules Beginning March 18.

2011-02-03T10:00:00.000-08:00

Hey Everyone,

Just wanted to pass along some information about the new mortgage rules that are being implemented on March 18 of this year. Thank you to Adam Gauer (one of the fabulous mortage brokers that I deal with) for sending me this information. Be sure to give me a call if you have any questions and to review how this may affect or not affect you. 604-910-LACE (5223) http://www.homeswithlacey.com/

________________________________________________________________________________

On January 17, 2011, Minister of Finance, Jim Flaherty, announced prudent adjustments to the rules for government-backed insured mortgages to support the long-term stability of Canada’s housing market and support hard-working Canadian families saving through home ownership.

“Canada’s well-regulated housing sector has been an important strength that allowed us to avoid the mistakes of other countries and helped to protect us from the worst of the recent global recession,” said Minister Flaherty. “The prudent measures announced today build on that advantage by encouraging hard-working Canadian families to save by investing in their homes and future.”

The new measures:

• Reduce the maximum amortization period to 30 years from 35 years for new government-backed insured mortgages with loan-to-value ratios of more than 80 per cent. This will significantly reduce the total interest payments Canadian families make on their mortgages, allow Canadian families to build up equity in their homes more quickly, and help Canadians pay off their mortgages before they retire.

• Lower the maximum amount Canadians can borrow in refinancing their mortgages to 85 per cent from 90 per cent of the value of their homes. This will promote saving through home ownership and limit the re-packaging of consumer debt into mortgages guaranteed by taxpayers.

• Withdraw government insurance backing on lines of credit secured by homes, such as home equity lines of credit, or HELOCs. This will ensure that risks associated with consumer debt products used to borrow funds unrelated to house purchases are managed by the financial institutions and not borne by taxpayers.

The Canadian government’s ongoing monitoring and sound underlying supervisory regime, along with the traditionally cautious approach taken by Canadian financial institutions to mortgage lending, have allowed Canada to maintain strong and secure housing and mortgage markets.

The adjustments to the mortgage insurance guarantee framework will come into force on March 18, 2011. The withdrawal of government insurance backing on lines of credit secured by homes will come into force on April 18, 2011.

Be sure to give me a call should you have any questions!

Lacey

604-910-LACE (5223)

http://www.homeswithlacey.com/ (Source: JAC News)

THE MONTH OF LOVE

2011-02-01T12:48:00.000-08:00

Hello February!

Since February is the month of love I thought I would send a little love your way by saving you some money. The promotion for the month of February is as follows:

If you buy and sell your home through me I will credit back to you 20% of the listing commission!

THAT'S NOT ALL ...

Anyone who sends a referral of a friend or family member for the months of February, March, and April I will write you a cheque for $250 when they move into thier new home.
So be sure to call soon and mention the February promotion. Your call could save you thousands! I look forward to hearing from you soon!

Lacey

PS: Your sale makes a difference. A portion of every sale is donated to the Dusty Shoes Foundation which supports a greater cause. Check out the MORE TO LIFE section of my website to see what we've been able to do so far! http://homeswithlacey.com/more-too-life.html

New Year...New Routines

2011-01-25T10:00:00.000-08:00

I found this blog post a couple weeks ago and LOVED the ideas in it. I take no credit for it but wanted to share it with you. It was taken from "Simple Mom" (click to visit their blog!). I hope you enjoy :-)

Lacey

The new year is here, and with it comes the end of a nice break for most of us. As much as I enjoyed the lazy mornings and fly-by-the-seat-of-our-pants days of the holidays, I was really looking forward to getting back into the regular routine.

Something about a new year sparks in me a desire to establish more order and intention in all that I do, so when back-to-school and the new year came together, it was perfect timing for establishing some new, old routines to keep home life simple and days running smoothly.

I tend to dislike schedules but thrive on routine. A routine makes everyone in my household happier, everything runs more smoothly, it establishes reasonable expectations, and it makes for a saner home.

Here are some basic routines that help keep our house tidy and the people smiling around here.

Work It In

Photo by Remodeling This Life

Having tasks that flow together while living life is an essential part of a simpler home. Rather than saving up for an entire task that takes huge chunks of time, where nothing is ultimately done except cleaning messes or taking care of overwhelming piles of papers, dealing with it “as you go” and making it a part of the daily routine will ultimately free up more time to get to the heart of living. Having a simpler home makes it possible to enjoy the everyday ordinary moments more.

Start The Morning Right

Photo by Centsational Girl

A basic morning routine is key to starting any day off right. Here’s a great article about jump starting your day with a simple, five minute routine.

In the morning, I throw in a load of laundry in while coffee brews. You can empty the dishwasher so it’s available to load dishes as the day goes on so they don’t pile up. Make beds first thing after getting up — nothing makes a room look tidier than a made bed, and an unmade bed can make a tidy room look messy.

There’s nothing like having it all done, waiting for when you crawl under the covers at night after a long day. Remember the power of ten minutes. Small, simple, short routines that are built into the day make all the difference.

End The Day Right

Photo by Remodeling This Life

A routine establishes expectations. This is especially helpful for kids, and for mine, the evening is the most important time for a routine. My kids know that after dinner, it’s play time, then bath, put on jammies, brush teeth, and read books.

We don’t follow the clock as much as we follow the routine. They know what’s coming next and they expect it, so it all runs much more smoothly than if we had to chase them around screaming every night that they had to stop playing their game at a certain time and get in bed. The routine helps all of us relax and unwind.

I discovered a while ago that the key to starting each day right was ending each day right. By ending the day with cleaning the kitchen, putting away toys, planning or packing lunches, mornings became easier.

Evening is when it works best for me to fold laundry. I fold and put away at the same time, and I lay out clean clothes for school the next day. No searching for socks when we’re supposed to be out the door.

The key is finding what small things work at what times, and then adapting them to the everyday.

In each and every task and routine, think of making things good enough. Not perfect. Keep things manageable so that you can find what you need when you need it, have someone drop by unannounced without having a panic attack, and enjoy the truly important moments of each and every day along the way.

What simple routines are part of your day-to-day that help keep your home running more smoothly?

2011-01-18T12:19:00.000-08:00

“Where Shall We Hang Our Hat?”

With the house up for sale and a puuuurrrdy sign out front (have you seen Lacey’s signs- they are beautiful) it was time to decide “where” do we want to live?

With Matt’s job keeping him in Richmond/Vancouver and our kids attending a fabulous school in Langley we felt strongly that we really wanted to stay in Langley, and if possible stay on the south side to be close to Hwy 99 for commuting.

Keeping to our goals of simplifying life and reducing our mortgage debt we decided to start our search by focusing on the Brookswood area of Langley. It would meet our needs for keeping our kids in the same school, was a great location for commuting and would reduce our mortgage substantially so that if Matt changed jobs and took a pay cut it would not affect us.

We decided we would buy an older Brookswood home on a larger lot (***land continues to appreciate and there is only so much of it to go around***). This would drop our mortgage substantially, give us yard space for our growing three kids and allow us to do some renovations to make the home how we wanted it.

Our Brookswood search proved fruitful and we found a home we were ready to buy. Only one problem, we had no offer or substantial interest in our place.

So we waited, after looking at a number of homes we took Lacey’s advice and decided to “simmer down”! (***don’t get ahead of yourself, one step at a time***)

And while we waited we got an email that changed everything….

Nice cliffhanger hey?!?!? *grin*

2011-01-13T14:26:00.000-08:00

January has arrived and the gyms are likely loving it as the memberships are rolling in by the dozens. So many people make their New Year's resolution about slimming down their bodies, but how about slimming down your debt load and how you spend your money?

What better time to assess your goals and to put a plan together than at the beginning of the New Year.

This is the first year that I have had a co-pilot to plan my finances with as I just got married 6 months ago. It took us a few evenings to figure out and agree on everything and now we have a clear blue print for the year. Here are a few simple tips that I recommend.

#1- If you can't pay cash for it..... DON'T BUY IT. Don't buy into the "NOW" mentality, instead, save up for those extra things. If you buy it on the credit card it could likely end up costing you double by the time you pay it off!

#2- Assess your debts. Make a list of all your debts and the interest rates your paying on each of them. Talk to a financial adviser and look into the option of consolidating those loans if possible to see if you can save some money and zone in on the highest interest loan first.

#3- Set SMALL attainable financial goals. If your goals are too large and too hard to achieve you will not feel any sense of accomplishment. Instead, set small goals planned out in the order to which you would like to accomplish them in. This will help you get to the finish line while feeling encouraged and inspired along the way.

#4 - Work towards building a nest egg. If you can, save up a minimum of three to six months of living expenses for those un-expected seasons in life.

#5- If you are saving up for a house, take all of the savings that you have, or will have, and put them into an RRSP. Don't worry about what to invest the money in at this point but rather just start getting in the habit of putting some money away every month. Not only will you be saving money for your future home but you will also get a tax write off. The deadline for RRSP contributions is March 1, 2011 so be sure to put the money that you've been
saving into an RRSP account today.

If you have any questions I would be happy to chat with you. Please don't ever hesitate to call 604.910.LACE (5223).

Lacey

2011-01-12T16:14:00.000-08:00

Happy Tuesday everyone!

I’m excited to have you join me as we journey with the Bakers through their real estate adventure. Not one individual or family is exactly the same although there are always things we can find in common and we can always learn from one another. So this leads me to introducing you to the Bakers; a young family who decided to simplify their lives and was willing to do what it took to make that happen while always keeping their families needs in mind. When thinking about profiling one of my client’s stories I didn’t have to think twice about whom I wanted it to be on. The Baker’s journey is an inspiring one and when I asked Lisa if she would be willing to diarize the up’s and down’s and all that we learned together she agreed! Thanks Lisa! Not only was I able to work alongside them by helping and guiding them through the tough decisions they had to make I also learned a thing or two from this family. The simplified life is a rare find in today’s world and is like an untapped resource; you don’t truly know its beauty until you find it. I hope you enjoy…

“Why, Why, Why?”

Before we begin, we wanted to thank Lacey for her hard work, guidance and patience. Ours was a true journey and our search went from one extreme to the other.

We aren’t authorities on real estate, or much for that matter, but we have learned some lessons along the way. If you don’t really want to read our ramblings and just want the "Cole’s Notes" version just scan down and look for the ***. These are the lessons learned.

Our real estate journey began about six years ago when we purchased our second home in the Murrayville community of Langley. At that time the market had yet to skyrocket and even though the home was new and we had to pay GST we paid much less than we would now. We chose real estate as our “investment” of choice and decided to put the bulk of our financial investment into our home. We believe that real estate can give you one of the best returns on your money and we have multiple friends and family members whose real estate track record supports this idea (***learn from others who have been successful***).

At the time we had one child and the thought of ever wanting to sell our new home was far from our minds. We finished the basement ourselves (***make/save money by doing as much as you can yourself***) and rented it out as a mortgage helper (***find a way to generate extra income if possible***).

Fast forward five and half years later and what do you know….we ARE thinking of selling our house. And in a flash it happened – we were up for sale! To be honest, everyone we knew probably thought we were a bit crazy and slightly irrational. However, we were in complete unity on our decision (***if you’re a couple BE UNIFIED in all BIG decisions***) and felt God calling us to simplify life, free up equity we had gained in the last five years and most importantly lower our mortgage to allow Matt to potentially make a job shift.

So with those as our “goals” we embarked on the joys of keeping a house spit spot for showings, searching out new potential homes and keeping the coffee pot hot to keep us caffeinated and ready for the late night negotiations…and boy, did we need it!

2011-01-04T10:21:00.000-08:00

The Baker's Real Estate Adventure:

Movin’ On…The Journey of Buying, Selling & Staying Caffeinated

I work with some fabulous people…it truly is one of the best parts of my job. And whether I know my clients before we start working together or not, by the time I have helped them sell their home and buy a new home, more often than not we become pretty close. I know more about them then I probably need to *grin* and chances are I have spent almost as much time with them as with my own family over the period of time that we work together.

Real estate is more than numbers; it’s more than square footage, lot size and the number of bedrooms. It is a potentially emotional, overwhelming and a stressful journey at times that can be hard, but is oh so rewarding when we reach the finish line. That’s where I come in. I am the outside party that has the privilege of working with and alongside a client. Whether that’s a young professional purchasing their first condo or a family that is on their 3^rd home. Each purchase or sale is as important as the next. I am the one who is there from the beginning to the end, providing advice and guidance, bringing up options that may not have been thought of previously. At the end, the final goal: Finding the best place to call HOME while getting the best bang for their buck.

Over the last number of months I have been working with The Baker Family, Matt & Lisa and their three kids, Madelyne, Emma & Zachary.

Their real estate journey has been such an inspiring one – I’m even thinking of moving now – that I wanted to use them as my first “Client Profile.”

Over the next few weeks we are going to journey with Matt and Lisa and recount from their perspective the buying and selling process. I hope you’ll stay along and enjoy the ride as we travel with the Bakers and their real estate adventure: I have to say this family is one of my favorites.

Lacey

2010-12-23T21:19:00.000-08:00

MERRY CHRISTMAS!
It's that time again! The cider, the smell of the Christmas tree, the mistletoe and you can't forget the music! I love this time of year! In sticking with my Christmas tradition of singing my Christmas card click on the following link https://www.purevolume.com/Lacey and then on "Have Yourself a Merry Little Christmas" for this year’s greeting. Sit back, relax and I hope you enjoy.

Merry Christmas to you and your family and I look forward to serving you, your friends, and family in 2011!

Lacey

PS: Still have some Christmas shopping to do? Why don’t you visit the “More To Life” section of the website and give a gift that will outlast any other gift? Visit http://homeswithlacey.com/more-too-life.html for some idea’s.

2010-12-21T10:00:00.000-08:00

Nothing Screams Christmas more than a good Ol’ TV movie. You know the ones with the cheesy love story and the melodramatic acting?! Now we all know that most of these movies are really terrible but there’s something about them that keeps us coming back for more.

This is ONE of the things I love about Christmas time. A season that allows you sit around with your feet up, staying in your pajamas all day if you want and NO schedule. What a luxury. Add a little snow to that then ah.........PERFECT.

In my business I know that Christmas has ARRIVED when the phone only rings about twice a day. This is NOT the norm. When this happens I know that people are thinking more about the Christmas tree and making preparations for gatherings with family and friends and NOT about real estate. And so they shouldn’t. The season is about focussing on the more important things in life and “THINGS” doesn’t really fall under that category. There is more to life than our work, than what’s going on in our world and even about the gifts. Although getting gifts is great, it’s honestly just more stuff that we can’t take with us when we die. Don’t get me wrong, I love getting gifts just like everyone else, but I find myself challenged to look around and focus on what truly matters - things that aren't under the tree.

So what am I getting at? Well maybe that means inviting someone to spend Christmas with your family that doesn’t have a family to spend the holidays with, or pooling some money together with some friends and giving it away to help someone out who could use a leg up. There are people all around us that we know directly or indirectly. Maybe it’s the teller at the bank that serves you every time you’re there, the bus driver who drives you to work, the young man who lives on your street, or the girl who works in the next cubicle.

Christmas may be your favourite time of year but for many it’s the WORST. Go ahead, be brave. Find out their story and see how you can bring a little bit of joy to their day. A wise man once said, it’s better to give than to receive and I think that just maybe He’s onto something.

Merry Christmas

Lacey

2010-12-19T11:47:00.000-08:00

Christmas has somehow snuck up on us again this year – seems like just yesterday I was walking down the aisle back in July! Nevertheless, December = Christmas and Christmas = gift giving.

We’ve all got at least one person that stumps us year after year. They have everything, they don’t need another tie or wallet, no more perfume or purses; so WHAT DO we get those hard to buy for people in our lives????

This year I am excited to give a gift, or two, or three. Gifts that will serve a greater good…even more than the loveliest bottle of perfume that keeps you smelling oh so sweet!

On my website I feature a page called “More Too Life” where I share my heart and dreams for making an impact on the lives of others. One of the organizations I feature is Gospel for Asia and their “From the Stable” gift program.

Why not try adding a pair of chickens or rabbits to every gift you give? Or, use them as stocking stuffers. Buy that hard to shop for friend or family member a goat! Ha, I am POSITIVE they’ve never received a goat for Christmas before. It’s not only a memorable gift, but one that serves a great purpose by providing families throughout Asia with valuable livestock resources that offer them income and a food source.

How about hosting a holiday party and everyone contribute $5 or $10? Pool all your money together and put it towards purchasing a well to provided fresh and safe water.

Remember the meaning behind the Christmas season, sit back, relax and celebrate! Enjoy all gifts, big and small, and surprise someone this holiday by making their gift one that will last long after the Christmas decorations have been packed away.

For more information on Gospel for Asia, and the other organizations I am passionately supporting visit my website at www.homeswithlacey.com and click on the More Too Life tab on my homepage.

To start you holiday shopping with “From the Stable” visit: www.gfa.org/donation/items/from-the-stable

Wishing you a very Merry Christmas,

Lacey Forward

2010-12-14T22:09:00.000-08:00

Would You Like Some Extra Spending Money?

Then I have just the opportunity for you!

Through the months of December and January, if you refer someone to me who is interested in buying or selling anytime in the New Year (2011) than you will receive...

$250 CASH when they move into their new home.

How’s that for some incentive?! That sounds like a pretty good deal to me!

Now I know you are wondering, “So what exactly do I have to do?”

While you’re at Christmas parties for work, or with friends, or sitting around the Christmas tree sipping that yummy homemade cider, be sure to keep your eyes and ears open for anyone that is looking to move in the near future.

All you need to do is have your friends or family call me, or you can send their contact info to lacey@homeswithlacey.com, and I will be happy to connect with them in the New Year.

EVERY successful referral receives this gift from me and there is NO limit on how many referrals you can give. You can even refer yourself if you like.

Perhaps this referral money can pay for that TV you’ve had your eye on or go towards a little shopping spree for the ladies!

This promotion only runs until January 31, 2011. So only 48 days to go!

All the best this Christmas and I look forward to hearing from you soon!

Lacey

PS: My business has built up to Approx 80% referral based over the past 5 years. These are from people who have honoured me with the care of their friends and family. I look forward to meeting your friends and family and offering the same high level of service to them.

2010-12-10T10:00:00.000-08:00

Simple Decorating Tips for the Holidays

Decorating for the holidays may seem to be a bit time consuming if you have your home for sale or are in the process of moving. People often ask me if it’s okay to decorate for the holidays if their home is for sale and I quickly respond ABSOLUTELY. Just because your home is for sale that doesn’t mean that you can’t enjoy the holiday season and a little Christmas in your home.

If there is one thing that I would encourage it would be that your holiday decorating, especially when selling your home or moving, needs to be simple and effective. Keeping clutter to a minimum while enjoying the season and precious items/mementos is key.

Get creative by using containers and items (vases, trays, plates) that are not specifically holiday related, so they can be reused or repurposed after the holidays are over. Group like items together, keep colors and themes simple, staying focused on a few key elements to bring the holidays into to your home. And finally, edit, edit, edit. Maybe only put out certain Christmas items if your home is for sale, or, limit your decorations on your mantels, banisters or railing to keep the architectural elements of the home visible for future buyers.

Most importantly, remember, it’s not forever. Once life settles down and Christmas rolls around again next year you can put out your 110 Christmas Nutcrackers and enjoy!

Here are a few simple ideas I have come across that seem possible even for those of us without that so called "crafty" bone in our body….and by “us” I mean me. *smile*

If I can do these you can too! I happen to be making the pin wreath located below.

Even if you’re not moving right now, I know you’ll enjoy these ideas too.

The Martha Stewart Clothes Pin Wreath – Simple & Easy Way to Display Holiday Cards

A crochet ring with clothes pegs glued on in both directions holds all your beautiful holiday cards and keeps them off the counters, mantels and tables. This one is my favorite. I’m a sucker for gingham.

Coffee Filter Tree – By "The Nester"

(www.thenester.com)

A simple project using everyday items – like this coffee filter tree – can add whimsical holiday charm without overpowering the rest of your home décor and keeping the cost down *grin*

A Simple Holiday Tree

Keeping your tree simple with lots of lights and a décor pallet of two colors allows the tree to shine without taking over the living room.

2010-12-07T13:18:00.000-08:00

If you know me at all you know I LOVE a deal.

Sometimes people shake their head at me and wonder, “what in the world are YOU doing….you have already gotten a deal!” Maybe this is the case, but, if there are more ways than one to save money than I am ALL ABOUT THEM. Here’s how I look at it…both in negotiating for a client, and for myself day to day. If I can save a bit more – or negotiate the price down just a bit further - it is the FASTEST money I could ever make – for you or for me!

So, for all you first time home buyers out there….whether you are currently looking for your first place or you’re in the process of saving and planning for a home one day…this is one of those deals I’m talking about and some information you NEED TO KNOW.

As a first time home buyer you can withdrawal up to $25,000 TAX FREE from your RRSP to use towards the down payment of your first home. So that means if you are a couple you can withdrawal up to $50,000 – still at a maximum of $25,000 per person.

WHAT DOES THIS MEAN? It means that you should be putting the money that you’ve been saving for your down payment into an RRSP. This is an excellent way to save for a down payment as well as have the contributions that you put into your RRSP account be a deduction off the current year’s taxes. Take advantage of accessing your money tax free and getting into the real estate market by using this first time home buyer’s program that is available to you. Let’s not pay the government anymore than we need to. So start putting your savings into an RRSP account today!

As always, I’d love to hear from you. If you would like more information about this RRSP program, or for help with any of your real estate needs, be sure to give me a shout at 604.910.LACE (5223)

Lacey

PS: Did you know that this RRSP program was created and developed by the Fraser Valley Real Estate Board members?? It was brought as an “ASK” to the government by REALTORS a number of years ago and the government liked the idea so much they implemented it. How’s that for local realtors working on your behalf!

2010-12-02T16:52:00.000-08:00

Oh dear.... too much coffee...

So, I’m pretty JAZZED right now. I just got back from lunch with Sheldon David, one of the fabulous lawyers that I work with from McQuarrie Hunter, and my Dad, and I’m afraid I had TOO much coffee.

We were having such a great time visiting and as time went on my coffee would get cold. No one likes cold coffee and the waitress knew that of course. So she would come over and fill'r up. Before long, my legs began to twitch. Why am I so antsy all of the sudden? I paused, thought for a moment.....Oh no, I had three cups of coffee and I need to get out of this booth! You see, high strung/energetic people and coffee don’t mix too well. If you know me or have met me then you will know EXACTLY what I am talking about. Let’s just say there is a reason for me ordering decaf when we have our next meeting. I’m a pretty peppy gal as it is but on coffee..... oh dear. What shall I do with this energy I have right now? What better way to spend the next hour and half of a caffeine high then to come up some new ideas?!

So.... I picked up the phone and called Lisa to share some new ideas for our next marketing campaign for us to get started on. I am an “ideas” girl and a visionary. So on average I typically have about 2 to 3 new ideas a day. But when caffeine and I collide the usual day of about 2 to 3 new ideas becomes more like 3-6. Poor Lisa. She has to deal with my shenanigans on a DAILY basis.

My husband has to deal with mee too but I look at it as I’m adding some excitement to his world and keeping life interesting. *smile* To be honest, sometimes this is a struggle for me because I would love to do almost every idea I come up with, but, I have to continually keep focused on a few key things so that I can actually accomplish something. As a kid I would dream all day long. There still is that side to me but I’m not dreaming about being on the Fred Penner show or flying like Mary Poppins with her umbrella. Although that would be cool I think I have grown out of that stage. I dream about life or travel, family or justice work, what we could do with the “Dusty shoes Foundation” and of course.... business. That's one thing about business...the opportunities are endless! It allows me to express some many areas of my heart and who I am. In a nutshell, I really just want to make a difference while I’m here on this place called earth.

Well... the coffee is starting to wear off a bit. The twitch has become a bit more controlled now so I’m going to work on processing some recent sales and put up some sold stickers.

Lacey Forward

2010-11-29T15:58:00.000-08:00

I have a friend who crafts, in fact, the other night she whipped up a beauty of a wreath for her front door as a way of relaxing after a stressful day! Now that’s not my kind of relaxing, but, I do love this project and wanted to share it with you.

I find myself being a little jealous at times of people like her when they can just whip up something so beautiful so quickly and appearing like they could have done it while they were in a coma. But, I have been assured that this is easy, fun, and you can personalize it to make it totally your own.

It can be adjusted with embellishments seasonally, and, it would also be a great gift for someone who isn’t so crafty.

I think I may have one coming for Christmas then!

Here’s what you’ll need for this project:

1. Burlap

2. Foam wreath form, or, wrapped straw wreath will work as well

3. Straight pins

4. Glue Gun

5. Needle and thread

6. Extra embellishments as so desired

(Flowers, feathers, buttons, ribbon, birds, butterflies, you get the idea!)

For a detailed photo tutorial of how to make this beauty visit one of my FAVORITE blogs…Jones Design Company @

http://jonesdesigncompany.com/decorate/ruffle-wreath-a-tutorial/

Happy Crafting!

Lacey

2010-11-24T16:17:00.000-08:00

Welcome to Homes With Lacey – THE BLOG!

I am excited to add another element to my business and a more personal way for me to share my world with you and also bring you interesting and fun ideas, thoughts, current real estate info and even some of my favorite things and places.

So on that note I thought I would start it off with “a little about me” post….

What am I really like? Well, to be honest, friends usually poke fun at me about having two personalities. They like to put me into two categories. There’s business Lace, and then there’s friendship Lace. When good friends call they often preface the conversation with “Hi, is friendship Lace available?” Just so they can help me with the transition. How thoughtful! I prefer to put it a bit differently. I’m business up front but a party at the back. So basically, I’m like a good ol’ mullet.

So although I’m a business girl, I am in no way a city girl. My heart longs for the country, pure and simple. My husband and I would LOVE – like really LOVE – to live on acreage one day. That’s where I grew up, so, that most likely has something to do with the itch I get to get out of the city and into a field where I can sit in silence and listen to the bird’s chirp. Ah… what a beautiful thought.

The city has a lot to offer, I will give it that, but I still prefer the country. I dream of a place where I can build a little barn and have some chickens and a couple sheep one day. Maybe even a cow. I think I would name it T-Bone or maybe even Meatloaf. It’s a tough call.

I have always been entrepreneurial. I started an egg business when I was 13 and had a regular egg route similar to a paper route. Of course I didn’t deliver them by way of throwing them at top speed at the nice man on the front porch in his housecoat, like in the movies; instead, I hand delivered them (about 35 dozen) door to door. I collected my $2.50 and went on my merry way.

I will admit my never ending search for business possibilities has gotten my busted once or twice. Growing up we lived on acreage and our water source was a well. My family would bring their jugs to come and fill them up with water (instead of buying water at the store) and my natural instinct was to start charging people for water. I knew I already had a market…even if it was my own relatives!!! I guess dad thought I was going a bit too far and before I could set up business at the end of the drive he busted me and pulled the hose out of my hands. I guess charging my grandma $1/jug was going a bit too far. *shrug*

So, that’s me in a nutshell. Well there’s a lot more. I’m a woman,.of COURSE there’s more! But that’s all for now.

Lacey Forward

Homes With Lacey

How to Get Top Dollar - Part 2

Introducing LOVE MONTH

Your Personal Fundraiser

How To Get Top Dollar - Part 1

2011 Year In Review

Know The Market

UPDATE!

Saving YOU Money...That's What I Do!

Hello 2012!

WINTER GETAWAY

My Christmas Tradition

Santa's Coming Early This Year!

Happy Monday!

Townhouse Anyone?

{{A Tribute to the Renter}}

{{The HST and your Real Estate: Are You Affected?}}

{{The Dusty Shoes Opportunity}}

{{Not Just A Sign On Your Lawn}}

{{WE GIVE}}

{{WE FINANCE}}

MORTGAGE UPDATE and DEBT CONSOLODATION

IMPORTANT *HST* NEWS

{ Mortgage Update and Debt Consolidation }

{{The Three In One DIY Project}}

{{Trade Program}}

{{Lacey's Favourites}}

{{Easy Entertaining}}

{{Get Your Garden ON!}}

{{Get Out the Garden Tools}}

{{ The Bakers - Part 5...The Grand Finale }}

{{ The Bakers - Part 4}}

The Bakers - Part 3

A MESSAGE TO ALL YOU FIRST TIME HOME BUYERS!

IMPORTANT - New Mortgage Rules Beginning March 18.

THE MONTH OF LOVE

New Year...New Routines

Work It In

Start The Morning Right

End The Day Right

{{ The Bakers - Part 2 }}

{{ January - Financial Weight Loss Plan! }}

{{ The Bakers - Part 1}}

{{ Client Profile - The Bakers }}

{{ Merry Christmas }}

{{ Good Ol' TV Movie }}

{{ Christmas Gifts }}

{{ Christmas Promo }}

{{ Christmas Time is Here! }}

{{ MUST READ: For All First Time Home Buyers }}

{{ Too Much Coffee }}

{{ Burlap Wreath }}

{{ Welcome }}

IMPORTANT HST NEWS