JAC THEELEN REALTY

Jac Theelen Realty

Newsletter May 2015
Safety  word.
Some of us have heard about it -- little kids that were kept safe because they had learned a safety word.
It might sound a bit weird, but having a family safety word is something that can be used at any time and can save you from misfortunes.
As a family, you can pick a word that is easy for you to remember, but impossible for others to guess.   Even better is a phrase. 
When you get together in the coming weeks, make sure all family members can recall it effortlessly at any time. 
How could it protect you or your loved ones?  Children approached by strangers can ask them the safety word before agreeing to go with them. Adults receiving strange texts or phone calls purporting to be from loved ones can use it to verify their authenticity. 
Insurance for mortgages will be going up.
The insurance for a mortgage with a down payment of 15% or less will be going up.  Such mortgages have to be insured by CMHC.
The coming increase in premium this spring will bring it close to 4%.
It pays to have a twenty-percent down payment when getting a mortgage.
Ask your mortgage broker to run a calculation for 5% and 20% down on a 25 year mortgage.  The numbers are significant!
Being prepared: Pros and cons of a rental income.
When you buy a rental home for additional revenue, here is some information to make it easier to make a rational decision:
Benefits:
1. Monthly paycheck without a lot of work
When you have a quality property and good tenants, this is easy money.
     2.  Equity, not cash
Rental properties can provide a nice alternative to selling if the market is in a slump.
Consider keeping your home when the markets are sluggish and rent it out.
3. Additional tax benefits
As a landlord you can write off a huge number of expenses related to owning and managing your property. Landlords can write off mortgage interest, depreciation, repairs, travel, and insurance costs related to the property.  And like any self-employed individual, a landlord can also write off home office expenses, legal and accounting services, and other expenses related to running a business.
4. Independence
By owning and managing a property, you can be your own boss. Granted, you may not be able to make ends meet with the income generated from just one property, but there are many savvy investors who turn rental income into their livelihood. 
Potential Problems:
1. Tenants can be awful
Renters have few reasons to meticulously care for a property. Often, in a best-case scenario, a tenant will leave the place a little dirty when he or she moves out. You’ll probably need to repaint.
When they leave the place ransacked, a $1000.- deposit does not get you to return the property to an acceptable condition for future tenants.
2. The investment requires capital
Beyond the capital required for a down payment to purchase a property, you need to have liquid capital to manage your property. For instance, you may need thousands of dollars to repair a property that is demolished by an awful tenant. You may need hundreds of dollars to take a tenant to eviction court.  Screening your tenants effectively may reduce that risk, but it is hard to do. Also bear in mind that home repairs are often costly, and you’re legally required as a landlord to deal with property problems quickly and sufficiently.
3. Potential legal consequences
Speaking of legal problems, the law is on your tenant’s side if you fail to make necessary repairs.  Your tenant can withhold rent or even walk out on a lease without punishment if you don’t properly take care of business. Moreover, if the tenant’s lease isn’t airtight, then you may have little recourse if your tenant damages property or does not satisfactorily pay rent.
4. Time-consuming efforts
Obviously, unexpected repairs can take time to troubleshoot. However, even the mere process of rental property ownership and management takes time.
5. The bottom line can bite back
Like all investments, there is risk associated with owning and managing a rental property. Sometimes, the markets don’t behave the way you’d like, such as when a property depreciates rather than appreciates in value. At other times, problems befall a property, such as a string of bad tenants or expensive repairs (which is especially devastating if you haven’t set aside enough liquid capital to deal with the problems).
Before you decide to buy an investment property, look at it from all angles. Being prepared is the best policy.
Is a home security alarm the best option?
To keep people from entering your home, you can either call an alarm company or use preventive measures of your own.
Bear in mind that the persons breaking into your home are probably not  highly educated. 
They are looking for a quick way to acquire some money, preferably by stealing valuables that are easy to turn into cash.
Denying them the opportunity to do so is the best line of defence.
Scaring them away outside is better than dealing with them inside.
Stop the easy access. Don’t leave valuables like skidoo’s, quads, tools in plain sight outside your house.
Don’t hang a note on your door informing crooks that you will be back in half an hour.
Close your garage doors, always!
Don’t leave a ladder outside for easy access.
Place motion sensor lights at every entrance. These lights should be aimed at the door or window you want to protect.  The brighter, the better.  Place them high so there is no easy way to turn them off.
A yard light makes it easier to see everything, including for those who want to steal.  Motion lights are better.
Thieves will be deterred by motion lights being activated in various locations.  Avoid having high shrubs that thieves can hide behind close to the house. 
Use high- quality hardware on your doors, including the back door. A fifteen-dollar lock does not cut it.
Windows that open without a crank should have bars that prevent them from opening more than eight inches. (Make sure you can open them from the inside in case of fire, though.) 
When you put in an alarm system, think about what you can do to prevent a false alarm.  After three false alarms nobody will care that it goes off, and will ignore it.
It is best to put in an alarm that immediately goes off when the door opens.  It stops entering in its tracks.
The keypad for disarming should be OUTSIDE, no time delay!
With these steps you will probably succeed in keeping burglars from coming into your home.
But what if they succeed in spite of all your efforts?  What are you allowed to do if they get in anyway?
Canadian law prohibits homeowners from taking the law into their own hands.
Calling for help should be the first option.
Make a picture of your blue emergency sign and post it next to your phone, so that it is handy when you call 911. When an unwelcome guest enters, you are allowed to use reasonable force when you or your loved ones feel physically threatened. 
“Reasonable” is the word that makes it difficult.  You will be judged afterwards as to whether the degree of force was reasonable against the degree of threat that the burglar used.
The use of a lethal weapon is not recommended, as it will be hard to prove that this was necessary.
Prevention is always the best option.
Future home value:
The value of your home has gone up in the past, and it is likely to do so in the future as well.  But there are other important considerations.
Can you afford to keep the property for a long time?
Can you afford to hang in the market when there is a significant drop in the value for a short or longer time?
Can you afford your investment when interest goes up while markets go down temporarily?
Would you be able to keep your rental property in the event that you would have no renters for a longer period?
Long term, the worth of your investment will always go up.  As long as your cash flow is sufficient, it does not matter whether the value goes up, as long as you can afford your place.
Newsletter June, 2015
Building with the environment in mind
When you build your home, fence or deck, there are numerous options on the market.
When you choose wood, keep in mind that after the life of the deck or fence, the worn-out material will go into a landfill or be recycled.
PVC  and  plastic material will be stable after they have done their jobs, but they are made of oil-based products.  It is better is to use such products when they are made of 100% recycled material.
When you build a home, calculate what it took to make your building material and what it will take to recycle it.   When you use recycled materials to build your home, estimate what the energy usage and/or savings might be for the application you have in mind.
Quality and longevity are the first things you should look at.  The price is secondary, as it might be more economical in the long run to use a more expensive product.
How to do yard work with the greatest of ease
Use a leaf blower.  It is easy on your back, and makes moving material “a breeze”.
Install a gutter guard.  If your house is surrounded by trees, you’ll know how much of a pain it is to constantly have to get up on a ladder to clean out your gutters when they get clogged with leaves and other tree debris.  Gutter guards come in a variety of styles, materials and price ranges, but all do the same thing – they allow water to enter your gutters without letting leaves and other debris in.
Use tools like a log splitter or tile mover.  Why break your back swinging a heavy axe?  And why keep bending over to lift concrete tiles?  Let machines from your local rental company make your life easier.
When planting a garden, think about future work.  Install a weed barrier, or add wood mulch to stop weeds from coming up between your plants.
What to do with ashes from your fire pit:
You can use clean ashes as fertilizer in your garden. They will bring up the PH in the soil, making it less acidic and adding micro-nutrients. Sprinkling ashes around the bases of plants will kill snails as well, but wet ashes should be replaced. 
Condo tips
When buying a condo, make sure you read the condo rules and the financial report  BEFORE you buy. 
The first section will tell you what you may and may not do with your property, and whether  you may have a dog, do garden work, etc.  Not every condo property is the same, and rules can change at every meeting of the board!
The second section will give you an inside view on how the finances were managed in the past.
There should be a considerable amount of money in a reserve fund, especially if the property is older or shows deterioration.  If not, you will be on the hook for a cash call in the future.
That can run into thousands of dollars!  As a condo owner, you have to come up with cash for any necessary repairs or maintenance.  Sometimes this might be the reason for selling.   Buyer beware.  Do your homework before you buy.  If you are planning to buy, you can always give me a call.
Full moon energy and Feng Shui
For those who beieve in Karma.
The full moon is a time of positive opportunity if you use it correctly.  It can increase your positive energy or conversely, it can wreak havoc on your emotions. 
Since the full moon pours down a tremendous amount of energy, you must be in a calm state of mind to receive a positive effect. Remember that whatever is going on in your body, mind and spirit will be amplified. 
If you are angry, you will feel angrier or if you are happy, you will feel happier. During the full moon, the ocean swells and emergency rooms have more patients. The energy is very powerful so it’s important to direct it with positive intention. 
Crazy energy as well as loving energy will be intensified. Knowing this is a huge opportunity for your emotional and spiritual growth.
The next full moon is ....today June 2
Just my thought:
When the economy makes a turn, look for opportunities.  Looking the opposite way might bring great things for the future.
Newsletter June, 2015
Building with the environment in mind
When you build your home, fence or deck, there are numerous options on the market.
When you choose wood, keep in mind that after the life of the deck or fence, the worn-out material will go into a landfill or be recycled.
PVC  and  plastic material will be stable after they have done their jobs, but they are made of oil-based products.  It is better is to use such products when they are made of 100% recycled material.
When you build a home, calculate what it took to make your building material and what it will take to recycle it.   When you use recycled materials to build your home, estimate what the energy usage and/or savings might be for the application you have in mind.
Quality and longevity are the first things you should look at.  The price is secondary, as it might be more economical in the long run to use a more expensive product.
How to do yard work with the greatest of ease
Use a leaf blower.  It is easy on your back, and makes moving material “a breeze”.
Install a gutter guard.  If your house is surrounded by trees, you’ll know how much of a pain it is to constantly have to get up on a ladder to clean out your gutters when they get clogged with leaves and other tree debris.  Gutter guards come in a variety of styles, materials and price ranges, but all do the same thing – they allow water to enter your gutters without letting leaves and other debris in.
Use tools like a log splitter or tile mover.  Why break your back swinging a heavy axe?  And why keep bending over to lift concrete tiles?  Let machines from your local rental company make your life easier.
When planting a garden, think about future work.  Install a weed barrier, or add wood mulch to stop weeds from coming up between your plants.
What to do with ashes from your fire pit:
You can use clean ashes as fertilizer in your garden. They will bring up the PH in the soil, making it less acidic and adding micro-nutrients. Sprinkling ashes around the bases of plants will kill snails as well, but wet ashes should be replaced. 
Condo tips
When buying a condo, make sure you read the condo rules and the financial report  BEFORE you buy. 
The first section will tell you what you may and may not do with your property, and whether  you may have a dog, do garden work, etc.  Not every condo property is the same, and rules can change at every meeting of the board!
The second section will give you an inside view on how the finances were managed in the past.
There should be a considerable amount of money in a reserve fund, especially if the property is older or shows deterioration.  If not, you will be on the hook for a cash call in the future.
That can run into thousands of dollars!  As a condo owner, you have to come up with cash for any necessary repairs or maintenance.  Sometimes this might be the reason for selling.   Buyer beware.  Do your homework before you buy.  If you are planning to buy, you can always give me a call.
Full moon energy and Feng Shui
For those who beieve in Karma.
The full moon is a time of positive opportunity if you use it correctly.  It can increase your positive energy or conversely, it can wreak havoc on your emotions. 
Since the full moon pours down a tremendous amount of energy, you must be in a calm state of mind to receive a positive effect. Remember that whatever is going on in your body, mind and spirit will be amplified. 
If you are angry, you will feel angrier or if you are happy, you will feel happier. During the full moon, the ocean swells and emergency rooms have more patients. The energy is very powerful so it’s important to direct it with positive intention. 
Crazy energy as well as loving energy will be intensified. Knowing this is a huge opportunity for your emotional and spiritual growth.
The next full moon is ....today June 2
Just my thought:
When the economy makes a turn, look for opportunities.  Looking the opposite way might bring great things for the future.

Newsletter September 2015
    Sales in Alberta
Alberta’s economy continues to moderate. The labour market has cooled and consumers are scaling back on spending. After a robust first quarter, new housing activity also seems to be slowing.  Lower energy prices have curbed manufacturing and conventional oil and gas activity and pulled down the value of exports. In April, Alberta added 12,500 jobs, posting year over year (y/y) employment growth of 2.4%.  Since December, employment has increased by 13,700; however, almost all the job gains have been in part-time service-sector positions, and cost pressures are diminishing in the construction sector.
Full-time jobs have declined by 22,800, while the higher-paying goods sector has shed almost 15,000 jobs.  A lot of those are oil field-related.  
Consumers pulled back on their spending in the first quarter of 2015. Retail sales declined 2.0% y/y, mainly on lower sales at gasoline stations. The decline in gasoline prices continued to outpace sales in March. In addition, growth in motor vehicle sales has been slowing over the past six months.  Sales were down 3.6% y/y in the first quarter. 
If the oil industry does not pick up steam this fall, we might see more layoffs.  This can trigger more sales in the housing market where owners are forced to cut their monthly cost. If you are in the market to buy, this might be an opportunity, as prices will come down under a top-heavy inventory.
If you plan to sell property, however, it might be a good idea to sell in today’s market.
(Part of the information above is from the Government of Alberta)
Farm land prices
Land prices have softened recently in some areas.  With farmers wondering what to do and what to offer, here’s a compilation of what others think:
With the commodity market in a softening trend, it might be a good idea to sit back and wait.
Most farmland is bought with a 50-year long-term-buy-and-hold strategy. 
Land purchased for the right price is a very good investment, but, like anything else, you can pay too much for it. Land historically generates a four to six per cent earnings return, and if you paid for land which generates only a three per cent earnings return, you probably paid too much. 
If farmland is only generating about a three per cent return, investors just aren’t able to stay in the game when farmers with long-term horizons start bidding prices up.
That pace picked up starting in 2006, with investors taking over properties, improving them, and renting them out to local farmers. Billions of dollars worth of farmland was sold in Canada in this category.
This has fuelled exuberance in land values that probably pushed land values at least 25 to 30 per cent above where they should have gone. 
As a result, even just a normalization of interest rates could cause a lot of money to be pulled out of this market.
On the other hand, however, consider the influence of China that hit this market in 2006, combined with the ethanol market that hit in 2006 -- events that created the perfect storm.  The Chinese market will need to hold at six or seven per cent growth in order to support current land prices. 
The local market, however, will have the greatest impact on where prices will go in the near future.  Farmers that generate enough income, that they have a tax problem, will invest in land to resolve that problem. 1 or 2 sales in an area can spur others, to pay more, and this can get easily out of hand.
As long as you can make a return on investment, buying land is never a bad idea. If you can pay for what you borrow through revenue, it is ok. Buying it on speculation might prove otherwise.
The future of farming has different options.
Expansion, diversifying, or value adding are all options to raise farming income.
When you think of value adding, there are numerous ways to do this.
Cheese
Cider and other apple products
Confections and candles
Corn snack foods
Crafts
Dried flowers, e.g., cultivated, arid, wild
Dried Fruits
Fresh or stone ground grains
Furniture, e.g. outdoor chairs, picnic tables
Honey and beeswax products
Meat processing, e.g., jerky
Sawmill
Soap making
Tanning hides
Toys from wood
Wheat weaving
Winemaking
Wool processing and spinning
Instead of the raw product, a processed product that has a higher value is brought to market.
If you’re thinking about farming, and you want to take a different direction, this might be the option for you.  However, before you jump into the value-added market, do sufficient research.  As many others are doing this, the market must be ready to absorb your products.
       Plant bugs
While predatory insects are bent on destroying aphids, ants in the garden are the aphid’s sworn protectors. Ants feed on the honeydew produced by aphids, so it is in their best interest to defend this precious resource. Getting rid of ants, so that introduced predatory insects can eliminate aphids, is an important part of a good aphid control program.
Control ants by trimming the lower parts of the plant so that they don’t touch the ground and give ants easy access. Coat the lower part of the stem with a sticky substance, such as “Tangle foot”, to prevent the ants from climbing. You can apply the sticky substance directly to the trunk of thick-barked trees and shrubs. Wrap the stems of other plants in tape and apply the product to the tape rather than the stem. Most of the time, however, simply using an organic aphid-control pesticide will take care of the ants as well.
Garlic oil spray: mince or finely chop three to four cloves of garlic, and add them to two teaspoons of mineral oil. Let this mixture sit for 24 hours. Strain out the garlic pieces, and add the remaining liquid to one pint of water. Then add one teaspoon of liquid dish soap. This mixture can be stored and diluted as needed. When you need to spray, use two tablespoons of the mixture added to one pint of water in a spray bottle.
To use your garlic oil spray: first test by spraying an inconspicuous part of the plant to see if your mixture harms it at all. If there are no signs of yellowing or other leaf damage after a day or two, it is safe to use. If there is leaf damage, dilute the mixture with more water and try the test again. Once you have determined that it won't harm your plant, spray the entire plant, paying special attention to the undersides of leaves.
Warning: Garlic oil is a non-selective insecticide, which means that it will kill beneficial insects (such as ladybugs, who are natural predators of aphids) just as easily as the bad ones. It's best to keep as many beneficial insects around as possible. This spray should be used only if you haven't seen any beneficial bugs in your garden. The tomato leaf recipe above won't harm helpful insects, so you should use that if you're lucky enough to have some good bugs in your garden.
Killing weeds
Vinegar: Plain old-fashioned distilled white vinegar will do the trick.  The acid in the vinegar kills the leaves but not the roots.  You will have to apply it more than once but eventually it will kill the plant.
Don’t put the vinegar anywhere you want to actually grow plants – it doesn’t know               the difference between a good plant and a bad one and will kill both.
Pour into a spray bottle to make it easier to selectively target the weeds you want to kill.
Vinegar, table salt & dish soap:
Salt added to the vinegar makes it that much more potent and the salt and dish soap helps the mix stick to the leaves.  
A mixture of two cups of vinegar, half a cup of table salt and about one teaspoon of dish soap is a good recipe.  Pour the mixture into a spray bottle and apply to the weeds you want to kill.
       Painting before winter
Painting might not be your favorite job, but It helps preserve what you’ve got.
When inspecting your house, take a good hard look at doors -- in particular, the lower end.
When paint starts to crack or flake, moisture can get in and will speed up the flaking process and deteriorate the wood in no time.
Take a steel brush and remove all the paint. If necessary, use a torch to speed up the process.
Let the wood dry out. Now put on a good primer, sand it down and apply a second coat.
Finish with a paint to seal the area.
If your wood has gone soft, you have to replace it either completely or partially. Don’t make the mistake of sealing it with paint, as its life will be extended for only a very short time. It is a waste of time and money.
Newsletter September 2015
    Sales in Alberta
Alberta’s economy continues to moderate. The labour market has cooled and consumers are scaling back on spending. After a robust first quarter, new housing activity also seems to be slowing.  Lower energy prices have curbed manufacturing and conventional oil and gas activity and pulled down the value of exports. In April, Alberta added 12,500 jobs, posting year over year (y/y) employment growth of 2.4%.  Since December, employment has increased by 13,700; however, almost all the job gains have been in part-time service-sector positions, and cost pressures are diminishing in the construction sector.
Full-time jobs have declined by 22,800, while the higher-paying goods sector has shed almost 15,000 jobs.  A lot of those are oil field-related.  
Consumers pulled back on their spending in the first quarter of 2015. Retail sales declined 2.0% y/y, mainly on lower sales at gasoline stations. The decline in gasoline prices continued to outpace sales in March. In addition, growth in motor vehicle sales has been slowing over the past six months.  Sales were down 3.6% y/y in the first quarter. 
If the oil industry does not pick up steam this fall, we might see more layoffs.  This can trigger more sales in the housing market where owners are forced to cut their monthly cost. If you are in the market to buy, this might be an opportunity, as prices will come down under a top-heavy inventory.
If you plan to sell property, however, it might be a good idea to sell in today’s market.
(Part of the information above is from the Government of Alberta)
Farm land prices
Land prices have softened recently in some areas.  With farmers wondering what to do and what to offer, here’s a compilation of what others think:
With the commodity market in a softening trend, it might be a good idea to sit back and wait.
Most farmland is bought with a 50-year long-term-buy-and-hold strategy. 
Land purchased for the right price is a very good investment, but, like anything else, you can pay too much for it. Land historically generates a four to six per cent earnings return, and if you paid for land which generates only a three per cent earnings return, you probably paid too much. 
If farmland is only generating about a three per cent return, investors just aren’t able to stay in the game when farmers with long-term horizons start bidding prices up.
That pace picked up starting in 2006, with investors taking over properties, improving them, and renting them out to local farmers. Billions of dollars worth of farmland was sold in Canada in this category.
This has fuelled exuberance in land values that probably pushed land values at least 25 to 30 per cent above where they should have gone. 
As a result, even just a normalization of interest rates could cause a lot of money to be pulled out of this market.
On the other hand, however, consider the influence of China that hit this market in 2006, combined with the ethanol market that hit in 2006 -- events that created the perfect storm.  The Chinese market will need to hold at six or seven per cent growth in order to support current land prices. 
The local market, however, will have the greatest impact on where prices will go in the near future.  Farmers that generate enough income, that they have a tax problem, will invest in land to resolve that problem. 1 or 2 sales in an area can spur others, to pay more, and this can get easily out of hand.
As long as you can make a return on investment, buying land is never a bad idea. If you can pay for what you borrow through revenue, it is ok. Buying it on speculation might prove otherwise.
The future of farming has different options.
Expansion, diversifying, or value adding are all options to raise farming income.
When you think of value adding, there are numerous ways to do this.
Cheese
Cider and other apple products
Confections and candles
Corn snack foods
Crafts
Dried flowers, e.g., cultivated, arid, wild
Dried Fruits
Fresh or stone ground grains
Furniture, e.g. outdoor chairs, picnic tables
Honey and beeswax products
Meat processing, e.g., jerky
Sawmill
Soap making
Tanning hides
Toys from wood
Wheat weaving
Winemaking
Wool processing and spinning
Instead of the raw product, a processed product that has a higher value is brought to market.
If you’re thinking about farming, and you want to take a different direction, this might be the option for you.  However, before you jump into the value-added market, do sufficient research.  As many others are doing this, the market must be ready to absorb your products.
       Plant bugs
While predatory insects are bent on destroying aphids, ants in the garden are the aphid’s sworn protectors. Ants feed on the honeydew produced by aphids, so it is in their best interest to defend this precious resource. Getting rid of ants, so that introduced predatory insects can eliminate aphids, is an important part of a good aphid control program.
Control ants by trimming the lower parts of the plant so that they don’t touch the ground and give ants easy access. Coat the lower part of the stem with a sticky substance, such as “Tangle foot”, to prevent the ants from climbing. You can apply the sticky substance directly to the trunk of thick-barked trees and shrubs. Wrap the stems of other plants in tape and apply the product to the tape rather than the stem. Most of the time, however, simply using an organic aphid-control pesticide will take care of the ants as well.
Garlic oil spray: mince or finely chop three to four cloves of garlic, and add them to two teaspoons of mineral oil. Let this mixture sit for 24 hours. Strain out the garlic pieces, and add the remaining liquid to one pint of water. Then add one teaspoon of liquid dish soap. This mixture can be stored and diluted as needed. When you need to spray, use two tablespoons of the mixture added to one pint of water in a spray bottle.
To use your garlic oil spray: first test by spraying an inconspicuous part of the plant to see if your mixture harms it at all. If there are no signs of yellowing or other leaf damage after a day or two, it is safe to use. If there is leaf damage, dilute the mixture with more water and try the test again. Once you have determined that it won't harm your plant, spray the entire plant, paying special attention to the undersides of leaves.
Warning: Garlic oil is a non-selective insecticide, which means that it will kill beneficial insects (such as ladybugs, who are natural predators of aphids) just as easily as the bad ones. It's best to keep as many beneficial insects around as possible. This spray should be used only if you haven't seen any beneficial bugs in your garden. The tomato leaf recipe above won't harm helpful insects, so you should use that if you're lucky enough to have some good bugs in your garden.
Killing weeds
Vinegar: Plain old-fashioned distilled white vinegar will do the trick.  The acid in the vinegar kills the leaves but not the roots.  You will have to apply it more than once but eventually it will kill the plant.
Don’t put the vinegar anywhere you want to actually grow plants – it doesn’t know               the difference between a good plant and a bad one and will kill both.
Pour into a spray bottle to make it easier to selectively target the weeds you want to kill.
Vinegar, table salt & dish soap:
Salt added to the vinegar makes it that much more potent and the salt and dish soap helps the mix stick to the leaves.  
A mixture of two cups of vinegar, half a cup of table salt and about one teaspoon of dish soap is a good recipe.  Pour the mixture into a spray bottle and apply to the weeds you want to kill.
       Painting before winter
Painting might not be your favorite job, but It helps preserve what you’ve got.
When inspecting your house, take a good hard look at doors -- in particular, the lower end.
When paint starts to crack or flake, moisture can get in and will speed up the flaking process and deteriorate the wood in no time.
Take a steel brush and remove all the paint. If necessary, use a torch to speed up the process.
Let the wood dry out. Now put on a good primer, sand it down and apply a second coat.
Finish with a paint to seal the area.
If your wood has gone soft, you have to replace it either completely or partially. Don’t make the mistake of sealing it with paint, as its life will be extended for only a very short time. It is a waste of time and money.
Mushrooms in your lawn?
It's that time of the year again.  Mushrooms show up in your lawn, and you try to figure out how you ever can get rid of them.
First, remember that the spores are coming to your lawn by air movements, so you can solve the problem for now, but they will come back.
A mushroom needs organic matter to grow. If you mulch your grass clippings, there will be food on hand for them.
Here are some tips:
Bring air into the ground with a pin roller or rake.
Rake out dead grass and clippings.
Sweep your lawn after you cut it.
Cut branches hanging over your lawn. Mushrooms like moist dark places, so bring sunlight to the shady areas where they thrive.
Use nitrogen fertilizer, (no slow release, and no water soluble) to quickly compost spots of dead matter or mushroom rings.
Use of fungicides is not a great solution as you only kill what is above ground,. whereas most of the mushroom is part of a mycelium that grows underground.
Or just enjoy Mother Nature, mushrooms and all, now that fall is here!
Tasks before frost hits
Here are a few reminders: 
Check the anti-freeze in your car. It should be frost-protected to -45C. You can buy a meter at any automotive / hardware store for a few dollars. If the antifreeze is not up to par, drain some fluid by loosening the lower hose clamp.  Then tighten it up again and top up with concentrated anti-freeze.
Blow out all underground sprinkler hoses.
Drain 3-point hitch sprayers, and other devices that you used in the garden, including bottom filters that hold water. 
Drain your hot tub if you generally turn it off while not in use. You must also drain the pump or winterize it.
Get rid of leaves in the eaves troughs on a regular basis, or add a screen to your gutter to keep the pipes open. Even if using a screen, remove leaves by end of Fall.
Let your garden do its own thing.  DO NOT remove all the leaves as they act as an insulator.  A good ground cover will give you taller tulips in spring!
Wrap a collar around your tree trunks so mice cannot chew the bark off under the snow (cheap and easy to make from old weeping tile cut into one-foot pieces, cut open lengthwise and put around the trunk).
In a corner of your garage, keep some dry sand to spread when it's slippery this winter. (Don’t add  salt, since it will destroy your concrete!
DO NOT prune trees that will flower on this year’s growth, such as lilacs.
Winterize your camper.
Repaint doors and window bottoms to keep them from absorbing moisture from the snow.
Sales trends
The regional real estate boards note the following trends:
Overall there are fewer sales this year than last year.
In May 2015, sales prices matched asking prices.  At this time they are below asking prices (on average).
In January of 2015 we had about one year’s worth of inventory. That means if no new listings appeared, and buyers were showing up at the same rate as before, it would take a year to clear the inventory.
As of August this was only about eight months -- a little higher than last year. 
The very low interest rates ensure that this market is still good.
What the future of sales is, is anybody’s guess.
If you can afford the payments, even should they increase, you don't have to worry.
If your affordability is borderline, be PROACTIVE, and get advice.
Refinancing
You often hear commercials and even government ads that talk about our debt and what we should do about it.
Here is an example of what they are talking about:
Mortgage payment:   Now 4%
Credit card debt:    Now 19.75%
Car loan:    Now 6.5%
Other loans:              Now 20+%
Line of credit:    Now 8%
If there is  equity in a home, it might be possible to refinance and drop the overall rate to about 3%. This will reduce payments significantly.   Bi-monthly payments will also help to reduce the debt load faster.
No time to cook?
If you have no time to cook this fall, get your slow cooker out of the closet.
Here are 3 recipes:
1 1/2 lbs boneless skinless chicken breasts
10 1/2 ounces of chicken soup
8 ounces low-fat cream cheese or 8 ounces fat-free cream cheese
1 (2/3 ounce) package Italian salad dressing mix
6 ounces mushrooms (optional)
Cook slowly all day.
*******************************************
1 (3-4 lb) trimmed boneless pork shoulder
1 cup brown sugar
1/3 cup unsweetened apple juice or pineapple juice
1/3 cup soy sauce
1 teaspoon freshly-ground ginger
1 teaspoon minced garlic
1/2 teaspoon salt
1/4 teaspoon pepper
2 tablespoons cornstarch
3 tablespoons cold water
Slowly cook all day.
******************************************
1 (10-ounce) can cream of mushroom soup, undiluted
1 (10-ounce) can beef broth
1 (1-ounce) package dry onion soup mix 
1-2 tablespoons fresh minced garlic
1 tablespoon Worcestershire sauce
 1 (3-4) lb. eye-of-round roast.  Brown roast in skillet before adding to the slow cooker.
1/4 cup flour
1 teaspoon black pepper
1/2-1 teaspoon garlic powder (optional)
3 -4 tablespoons oil
Cook slowly all day.
Just a thought: It is easier to get something when you don't need it.
Mushrooms in your lawn?
It's that time of the year again.  Mushrooms show up in your lawn, and you try to figure out how you ever can get rid of them.
First, remember that the spores are coming to your lawn by air movements, so you can solve the problem for now, but they will come back.
A mushroom needs organic matter to grow. If you mulch your grass clippings, there will be food on hand for them.
Here are some tips:
Bring air into the ground with a pin roller or rake.
Rake out dead grass and clippings.
Sweep your lawn after you cut it.
Cut branches hanging over your lawn. Mushrooms like moist dark places, so bring sunlight to the shady areas where they thrive.
Use nitrogen fertilizer, (no slow release, and no water soluble) to quickly compost spots of dead matter or mushroom rings.
Use of fungicides is not a great solution as you only kill what is above ground,. whereas most of the mushroom is part of a mycelium that grows underground.
Or just enjoy Mother Nature, mushrooms and all, now that fall is here!
Tasks before frost hits
Here are a few reminders: 
Check the anti-freeze in your car. It should be frost-protected to -45C. You can buy a meter at any automotive / hardware store for a few dollars. If the antifreeze is not up to par, drain some fluid by loosening the lower hose clamp.  Then tighten it up again and top up with concentrated anti-freeze.
Blow out all underground sprinkler hoses.
Drain 3-point hitch sprayers, and other devices that you used in the garden, including bottom filters that hold water. 
Drain your hot tub if you generally turn it off while not in use. You must also drain the pump or winterize it.
Get rid of leaves in the eaves troughs on a regular basis, or add a screen to your gutter to keep the pipes open. Even if using a screen, remove leaves by end of Fall.
Let your garden do its own thing.  DO NOT remove all the leaves as they act as an insulator.  A good ground cover will give you taller tulips in spring!
Wrap a collar around your tree trunks so mice cannot chew the bark off under the snow (cheap and easy to make from old weeping tile cut into one-foot pieces, cut open lengthwise and put around the trunk).
In a corner of your garage, keep some dry sand to spread when it's slippery this winter. (Don’t add  salt, since it will destroy your concrete!
DO NOT prune trees that will flower on this year’s growth, such as lilacs.
Winterize your camper.
Repaint doors and window bottoms to keep them from absorbing moisture from the snow.
Sales trends
The regional real estate boards note the following trends:
Overall there are fewer sales this year than last year.
In May 2015, sales prices matched asking prices.  At this time they are below asking prices (on average).
In January of 2015 we had about one year’s worth of inventory. That means if no new listings appeared, and buyers were showing up at the same rate as before, it would take a year to clear the inventory.
As of August this was only about eight months -- a little higher than last year. 
The very low interest rates ensure that this market is still good.
What the future of sales is, is anybody’s guess.
If you can afford the payments, even should they increase, you don't have to worry.
If your affordability is borderline, be PROACTIVE, and get advice.
Refinancing
You often hear commercials and even government ads that talk about our debt and what we should do about it.
Here is an example of what they are talking about:
Mortgage payment:   Now 4%
Credit card debt:    Now 19.75%
Car loan:    Now 6.5%
Other loans:              Now 20+%
Line of credit:    Now 8%
If there is  equity in a home, it might be possible to refinance and drop the overall rate to about 3%. This will reduce payments significantly.   Bi-monthly payments will also help to reduce the debt load faster.
No time to cook?
If you have no time to cook this fall, get your slow cooker out of the closet.
Here are 3 recipes:
1 1/2 lbs boneless skinless chicken breasts
10 1/2 ounces of chicken soup
8 ounces low-fat cream cheese or 8 ounces fat-free cream cheese
1 (2/3 ounce) package Italian salad dressing mix
6 ounces mushrooms (optional)
Cook slowly all day.
*******************************************
1 (3-4 lb) trimmed boneless pork shoulder
1 cup brown sugar
1/3 cup unsweetened apple juice or pineapple juice
1/3 cup soy sauce
1 teaspoon freshly-ground ginger
1 teaspoon minced garlic
1/2 teaspoon salt
1/4 teaspoon pepper
2 tablespoons cornstarch
3 tablespoons cold water
Slowly cook all day.
******************************************
1 (10-ounce) can cream of mushroom soup, undiluted
1 (10-ounce) can beef broth
1 (1-ounce) package dry onion soup mix 
1-2 tablespoons fresh minced garlic
1 tablespoon Worcestershire sauce
 1 (3-4) lb. eye-of-round roast.  Brown roast in skillet before adding to the slow cooker.
1/4 cup flour
1 teaspoon black pepper
1/2-1 teaspoon garlic powder (optional)
3 -4 tablespoons oil
Cook slowly all day.
Just a thought: It is easier to get something when you don't need it.
Mushrooms in your lawn?
It's that time of the year again.  Mushrooms show up in your lawn, and you try to figure out how you ever can get rid of them.
First, remember that the spores are coming to your lawn by air movements, so you can solve the problem for now, but they will come back.
A mushroom needs organic matter to grow. If you mulch your grass clippings, there will be food on hand for them.
Here are some tips:
Bring air into the ground with a pin roller or rake.
Rake out dead grass and clippings.
Sweep your lawn after you cut it.
Cut branches hanging over your lawn. Mushrooms like moist dark places, so bring sunlight to the shady areas where they thrive.
Use nitrogen fertilizer, (no slow release, and no water soluble) to quickly compost spots of dead matter or mushroom rings.
Use of fungicides is not a great solution as you only kill what is above ground,. whereas most of the mushroom is part of a mycelium that grows underground.
Or just enjoy Mother Nature, mushrooms and all, now that fall is here!
Tasks before frost hits
Here are a few reminders: 
Check the anti-freeze in your car. It should be frost-protected to -45C. You can buy a meter at any automotive / hardware store for a few dollars. If the antifreeze is not up to par, drain some fluid by loosening the lower hose clamp.  Then tighten it up again and top up with concentrated anti-freeze.
Blow out all underground sprinkler hoses.
Drain 3-point hitch sprayers, and other devices that you used in the garden, including bottom filters that hold water. 
Drain your hot tub if you generally turn it off while not in use. You must also drain the pump or winterize it.
Get rid of leaves in the eaves troughs on a regular basis, or add a screen to your gutter to keep the pipes open. Even if using a screen, remove leaves by end of Fall.
Let your garden do its own thing.  DO NOT remove all the leaves as they act as an insulator.  A good ground cover will give you taller tulips in spring!
Wrap a collar around your tree trunks so mice cannot chew the bark off under the snow (cheap and easy to make from old weeping tile cut into one-foot pieces, cut open lengthwise and put around the trunk).
In a corner of your garage, keep some dry sand to spread when it's slippery this winter. (Don’t add  salt, since it will destroy your concrete!
DO NOT prune trees that will flower on this year’s growth, such as lilacs.
Winterize your camper.
Repaint doors and window bottoms to keep them from absorbing moisture from the snow.
Sales trends
The regional real estate boards note the following trends:
Overall there are fewer sales this year than last year.
In May 2015, sales prices matched asking prices.  At this time they are below asking prices (on average).
In January of 2015 we had about one year’s worth of inventory. That means if no new listings appeared, and buyers were showing up at the same rate as before, it would take a year to clear the inventory.
As of August this was only about eight months -- a little higher than last year. 
The very low interest rates ensure that this market is still good.
What the future of sales is, is anybody’s guess.
If you can afford the payments, even should they increase, you don't have to worry.
If your affordability is borderline, be PROACTIVE, and get advice.
Refinancing
You often hear commercials and even government ads that talk about our debt and what we should do about it.
Here is an example of what they are talking about:
Mortgage payment:   Now 4%
Credit card debt:    Now 19.75%
Car loan:    Now 6.5%
Other loans:              Now 20+%
Line of credit:    Now 8%
If there is  equity in a home, it might be possible to refinance and drop the overall rate to about 3%. This will reduce payments significantly.   Bi-monthly payments will also help to reduce the debt load faster.
No time to cook?
If you have no time to cook this fall, get your slow cooker out of the closet.
Here are 3 recipes:
1 1/2 lbs boneless skinless chicken breasts
10 1/2 ounces of chicken soup
8 ounces low-fat cream cheese or 8 ounces fat-free cream cheese
1 (2/3 ounce) package Italian salad dressing mix
6 ounces mushrooms (optional)
Cook slowly all day.
*******************************************
1 (3-4 lb) trimmed boneless pork shoulder
1 cup brown sugar
1/3 cup unsweetened apple juice or pineapple juice
1/3 cup soy sauce
1 teaspoon freshly-ground ginger
1 teaspoon minced garlic
1/2 teaspoon salt
1/4 teaspoon pepper
2 tablespoons cornstarch
3 tablespoons cold water
Slowly cook all day.
******************************************
1 (10-ounce) can cream of mushroom soup, undiluted
1 (10-ounce) can beef broth
1 (1-ounce) package dry onion soup mix 
1-2 tablespoons fresh minced garlic
1 tablespoon Worcestershire sauce
 1 (3-4) lb. eye-of-round roast.  Brown roast in skillet before adding to the slow cooker.
1/4 cup flour
1 teaspoon black pepper
1/2-1 teaspoon garlic powder (optional)
3 -4 tablespoons oil
Cook slowly all day.
Just a thought: It is easier to get something when you don't 

News letter November 2015

Economy Down, opportunities Up

When the economy has a downturn, you can focus on the opportunities than will come out of it.
Was it hard to find a good trades person?  Now you can get someone to do work on your house much more easily. Maybe you can get a better price too.
Are you working less overtime?  You can do things yourself instead of having to hire others to do it. It won’t add to the GDP, but you’ll neither pay taxes on the work you do, nor on the former income you once spent on someone else’s services. 
When you’re shopping for goods or property, you can get better prices, so your dollar will have more value. Your savings can go a long way.
Think ahead, and look for the things that you don’t need now, but will need in the future. 
And if you are entrepreneurial, looking for that niche in the market --  if it’s not there, you’ll have to make it!




Theft and break-ins: how to avoid them!
When you go away, here are some tips to keep your home secure.
Lock away your handyman and gardening tools, which may be used to force open doors or windows, and any item that may be used to gain access to the property or cause damage.
Record descriptions, models and serial numbers of your valuables and then put them somewhere safe.
Before you leave, close all internal doors to help contain any fire that might occur.
Then, check that your doors, windows and garage are locked securely, and remove spare keys from hiding places.  As you leave, check everything again.
Show some caution when you talk about your trip. Your blog/ face book isn't the best place to announce that you'll be away from home for a month. Being aware of who's around when you discuss your trip in restaurants and even at work isn't a bad idea either.
Make sure that your children are discreet, too. No one is saying that you should be suspicious of everyone you meet, but even a chance remark has the potential to lead to unintended and unfortunate consequences. The less information you put out there, the less likely it is to reach the wrong ears and eyes.

Being happy is easier than being sad

When you are smiling, you are using fewer muscles than when you are frowning. (Try it, it feels great!)
Surround yourself with positive people.
When you work with people who are constructive and positive, you tend to adopt their positive posture. The opposite will happen when colleagues or friends give you only negative comments.
Change the way you think about a challenge.  If you think that something is impossible, you won’t try as hard and will give up more easily. So be a possibility thinker.
Help someone.  The positive energy you use to help others will spill over to yourself.
No one is perfect. Don’t dwell on the past. Remember that you cannot change what has happened, but you can try to change what will happen.
If you want to know what is positive, write down three good things that happened every day. Look at your list again at the end of the week.  It will make you smile.

Upsize or downsize?

Whether  you want to move to a smaller house or a larger one, each move has a cost.
These include  taxes, fees for lawyers, real estate commissions, and utility hookup costs.
Often forgotten are the cost of moving your goods, and the fact that the size of your home can affect what you will need in terms of furniture. A small dining room table may be perfect for a small home, but in a large room it might not be a good fit.  The same goes for all the furnishings in your new place.
The total cost of a move can be much higher than the gains from moving to a different home, so be sure to do the math.
When you want to get rid of furniture, houseware, and other reusable items, think about charities and Kijiji before throwing them away. Many people would love to take them off your hands, thus saving you a trip.

Selling your home? Get it ready!

When you plan to sell your house, or farm, you can do a lot to make things easier on yourself, and even make some extra money along the way.
Pack away everything that you won’t need in the near future. Clean out your closets, box up the stuff that clutters your living room, and clean out your basement and spare rooms.
All boxes can be put away in a container or in storage. It will give your house a more spacious feeling, and that is what you need to highlight when you show it to potential buyers.
If you have a farm, look around outside. Get rid of old farm machinery that has been stored for years. Sell your old batteries and get a recycler to pick up all scrap metal (usually a free service).  Organize and clean up the shop as if you had just moved in yesterday.
When the house is decluttered, check for small or major repairs that can be done without breaking the bank account.
Your potential buyers will look closely at the house. If you as an owner can fix it for $1000, they will count on $5000  to do it themselves, and will reduce their offer by that amount, or perhaps not even make one.
If it appears that you cared for the place, and it shows pride of ownership,  the sale has a better chance of happening.
Should you want to move your personal belongings yourself, think about a (reefer) trailer. 
On moving day a truck can hook on and move it to your new place.  Please park something under the trailer, so thieves cannot steal it when it is full of goods. Make sure all goods are insured in the trailer during your moving time.

A sea container is also an option.  However, when it is picked up on moving day, it has to be hoisted onto the truck. This procedure might be hard on your furniture and breakable items. Another option (but expensive) is to rent a crane to move the container onto and off the truck.
You can also store all your goods in a shop or garage, right up to moving date, as long as buyers can see the space. 

Try to get your friends together on moving day so that everything can be loaded and unloaded in one day. 
Get a storage locker. Its drawback is the time required for delivering and retrieving your goods, but its advantage is the space and tidiness it provides.

Whatever strategies you choose, having your place ready for sale will:

Make the sale easier,
Make you money,
Make your move go faster.

Just my thought:
When the grass is greener on the other side,
think about investing in your own side.
News letter November 2015

Economy Down, opportunities Up

News letter November 2015

Economy Down, opportunities Up

When the economy has a downturn, you can focus on the opportunities than will come out of it.
Was it hard to find a good trades person?  Now you can get someone to do work on your house much more easily. Maybe you can get a better price too.
Are you working less overtime?  You can do things yourself instead of having to hire others to do it. It won’t add to the GDP, but you’ll neither pay taxes on the work you do, nor on the former income you once spent on someone else’s services. 
When you’re shopping for goods or property, you can get better prices, so your dollar will have more value. Your savings can go a long way.
Think ahead, and look for the things that you don’t need now, but will need in the future. 
And if you are entrepreneurial, looking for that niche in the market --  if it’s not there, you’ll have to make it!




Theft and break-ins: how to avoid them!
When you go away, here are some tips to keep your home secure.
Lock away your handyman and gardening tools, which may be used to force open doors or windows, and any item that may be used to gain access to the property or cause damage.
Record descriptions, models and serial numbers of your valuables and then put them somewhere safe.
Before you leave, close all internal doors to help contain any fire that might occur.
Then, check that your doors, windows and garage are locked securely, and remove spare keys from hiding places.  As you leave, check everything again.
Show some caution when you talk about your trip. Your blog/ face book isn't the best place to announce that you'll be away from home for a month. Being aware of who's around when you discuss your trip in restaurants and even at work isn't a bad idea either.
Make sure that your children are discreet, too. No one is saying that you should be suspicious of everyone you me
News Letter October 2015

Mushrooms in your lawn?

 

It's that time of the year again.  Mushrooms show up in your lawn, and you try to figure out how you ever can get rid of them.

First, remember that the spores are coming to your lawn by air movements, so you can solve the problem for now, but they will come back.

A mushroom needs organic matter to grow. If you mulch your grass clippings, there will be food on hand for them.


Here are some tips:

Bring air into the ground with a pin roller or rake.

Rake out dead grass and clippings.

Sweep your lawn after you cut it.

Cut branches hanging over your lawn. Mushrooms like moist dark places, so bring sunlight to the shady areas where they thrive.


Use nitrogen fertilizer, (no slow release, and no water soluble) to quickly compost spots of dead matter or mushroom rings.

Use of fungicides is not a great solution as you only kill what is above ground,. whereas most of the mushroom is part of a mycelium that grows underground.


Or just enjoy Mother Nature, mushrooms and all, now that Fall is here!

 

 

 

Tasks before frost hits

 

Here are a few reminders:

Check the anti-freeze in your car. It should be frost-protected to -45C.

You can buy a meter at any automotive / hardware store for a few dollars.

If the antifreeze is not up to par, drain some fluid by loosening the lower hose clamp.  Then tighten it up again and top up with concentrated anti-freeze.


Blow out all underground sprinkler hoses.


Drain 3-point hitch sprayers, and other devices that you used in the garden, including bottom filters that hold water.


Drain your hot tub if you generally turn it off while not in use. You must also drain the pump or winterize it.


Get rid of leaves in the eavestroughs on a regular basis, or add a screen to your gutter to keep the pipes open. Even if using a screen, remove leaves by end of Fall.


Let your garden do its own thing.  DO NOT remove all the leaves as they act as an insulator.  A good ground cover will give you taller tulips in Spring!


Wrap a collar around your tree trunks so mice cannot chew the bark off under the snow (cheap and easy to make from old weeping tile cut into one-foot pieces, cut open lengthwise and put around the trunk).


In a corner of your garage, keep some dry sand to spread when it's slippery this winter. (Don’t add regular table salt, since it will destroy your concrete!


DO NOT prune trees that will flower on this year’s growth, such as lilacs.


Winterize your camper.


Repaint doors and window bottoms to keep them from absorbing moisture from the snow.

 

 

Sales trends

 


The regional real estate boards note the following trends:


Overall there are fewer sales this year than last year.

In May 2015, sales prices matched asking prices. 

 At this time they are below asking prices (on average).


In January of 2015 we had about one year’s worth of inventory. That means if no new listings appeared, and buyers were showing up at the same rate as before, it would take a year to clear the inventory.


As of August this was only about eight months --this is higher than last year.

The very low interest rates ensures that this market is still good.


What the future of sales is, is anybody’s guess.


If you can afford the payments, even should they increase, you don't have to worry.


If your affordability is borderline, be PROACTIVE, and get advice.

 

 

Refinancing

 

You often hear commercials and even government ads that talk about our debt and what we should do about it.

 

Here is an example of what they are talking about:


Mortgage payment:   Now 4%

Credit card debt:        Now 19.75%

Car loan:                   Now 6.5%

Other loans:               Now 20+%

Line of credit:            Now 8%

 

If there is equity in the home, it might be possible to refinance and drop the overall rate to about 3%. 

This will reduce the payments significantly.   Bi-monthly payments will also help to reduce debt load much faster.

 

No time to cook?

 

If you have no time to cook this fall, get your slow cooker out of the closet.

Here are a few recipes:


SERVINGS 4

1 1/2 lbs boneless skinless chicken breasts

10 1/2 ounces of chicken soup

8 ounces low-fat cream cheese or 8 ounces fat-free cream cheese

1 (2/3 ounce) package Italian salad dressing mix

6 ounces mushrooms (optional)

Cook slowly all day.

**********

 

1 (3-4 lb) trimmed boneless pork shoulder

1 cup brown sugar

1/3 cup unsweetened apple juice or pineapple juice

1/3 cup soy sauce

1 teaspoon freshly-ground ginger

1 teaspoon minced garlic

1/2 teaspoon salt

1/4 teaspoon pepper

2 tablespoons cornstarch

3 tablespoons cold water

Slowly cook all day.

 ************


1 (10-ounce) can cream of mushroom soup, undiluted

1 (10-ounce) can beef broth

1 (1-ounce) package dry onion soup mix

1-2 tablespoons fresh minced garlic

1 tablespoon Worcestershire sauce

 1 (3-4) lb. eye-of-round roast

1/4 cup flour

1 teaspoon black pepper

1/2-1 teaspoon garlic powder (optional)

3 -4 tablespoons oil

 

Brown roast in skillet before adding to the slow cooker.

Cook slowly all day.

 *****************



Just a thought:


It is easier to get something

when you don't need it


Look for the opportunity today, 

That you might need tomorrow!



The best compliment  you can give, is your referral.

When you refer us to a friend,

dinner is on us.

@



 

 

 

It's that time of the year again.  Mushrooms show up in your lawn, and you try to figure out how you ever can get rid of them.
First, remember that the spores are coming to your lawn by air movements, so you can solve the problem for now, but they will come back.
A mushroom needs organic matter to grow. If you mulch your grass clippings, there will be food on hand for them.
Here are some tips:
Bring air into the ground with a pin roller or rake.
Rake out dead grass and clippings.
Sweep your lawn after you cut it.
Cut branches hanging over your lawn. Mushrooms like moist dark places, so bring sunlight to the shady areas where they thrive.
Use nitrogen fertilizer, (no slow release, and no water soluble) to quickly compost spots of dead matter or mushroom rings.
Use of fungicides is not a great solution as you only kill what is above ground,. whereas most of the mushroom is part of a mycelium that grows underground.
Or just enjoy Mother Nature, mushrooms and all, now that fall is here!
Tasks before frost hits
Here are a few reminders: 
Check the anti-freeze in your car. It should be frost-protected to -45C. You can buy a meter at any automotive / hardware store for a few dollars. If the antifreeze is not up to par, drain some fluid by loosening the lower hose clamp.  Then tighten it up again and top up with concentrated anti-freeze.
Blow out all underground sprinkler hoses.
Drain 3-point hitch sprayers, and other devices that you used in the garden, including bottom filters that hold water. 
Drain your hot tub if you generally turn it off while not in use. You must also drain the pump or winterize it.
Get rid of leaves in the eaves troughs on a regular basis, or add a screen to your gutter to keep the pipes open. Even if using a screen, remove leaves by end of Fall.
Let your garden do its own thing.  DO NOT remove all the leaves as they act as an insulator.  A good ground cover will give you taller tulips in spring!
Wrap a collar around your tree trunks so mice cannot chew the bark off under the snow (cheap and easy to make from old weeping tile cut into one-foot pieces, cut open lengthwise and put around the trunk).
In a corner of your garage, keep some dry sand to spread when it's slippery this winter. (Don’t add  salt, since it will destroy your concrete!
DO NOT prune trees that will flower on this year’s growth, such as lilacs.
Winterize your camper.
Repaint doors and window bottoms to keep them from absorbing moisture from the snow.
Sales trends
The regional real estate boards note the following trends:
Overall there are fewer sales this year than last year.
In May 2015, sales prices matched asking prices.  At this time they are below asking prices (on average).
In January of 2015 we had about one year’s worth of inventory. That means if no new listings appeared, and buyers were showing up at the same rate as before, it would take a year to clear the inventory.
As of August this was only about eight months -- a little higher than last year. 
The very low interest rates ensure that this market is still good.
What the future of sales is, is anybody’s guess.
If you can afford the payments, even should they increase, you don't have to worry.
If your affordability is borderline, be PROACTIVE, and get advice.
Refinancing
You often hear commercials and even government ads that talk about our debt and what we should do about it.
Here is an example of what they are talking about:
Mortgage payment:   Now 4%
Credit card debt:    Now 19.75%
Car loan:    Now 6.5%
Other loans:              Now 20+%
Line of credit:    Now 8%
If there is  equity in a home, it might be possible to refinance and drop the overall rate to about 3%. This will reduce payments significantly.   Bi-monthly payments will also help to reduce the debt load faster.
No time to cook?
If you have no time to cook this fall, get your slow cooker out of the closet.
Here are 3 recipes:
1 1/2 lbs boneless skinless chicken breasts
10 1/2 ounces of chicken soup
8 ounces low-fat cream cheese or 8 ounces fat-free cream cheese
1 (2/3 ounce) package Italian salad dressing mix
6 ounces mushrooms (optional)
Cook slowly all day.
*******************************************
1 (3-4 lb) trimmed boneless pork shoulder
1 cup brown sugar
1/3 cup unsweetened apple juice or pineapple juice
1/3 cup soy sauce
1 teaspoon freshly-ground ginger
1 teaspoon minced garlic
1/2 teaspoon salt
1/4 teaspoon pepper
2 tablespoons cornstarch
3 tablespoons cold water
Slowly cook all day.
******************************************
1 (10-ounce) can cream of mushroom soup, undiluted
1 (10-ounce) can beef broth
1 (1-ounce) package dry onion soup mix 
1-2 tablespoons fresh minced garlic
1 tablespoon Worcestershire sauce
 1 (3-4) lb. eye-of-round roast.  Brown roast in skillet before adding to the slow cooker.
1/4 cup flour
1 teaspoon black pepper
1/2-1 teaspoon garlic powder (optional)
3 -4 tablespoons oil
Cook slowly all day.
Just a thought: It is easier to get something when you don't need it.
It's that time of the year again.  Mushrooms show up in your lawn, and you try to figure out how you ever can get rid of them.
First, remember that the spores are coming to your lawn by air movements, so you can solve the problem for now, but they will come back.
A mushroom needs organic matter to grow. If you mulch your grass clippings, there will be food on hand for them.
Here are some tips:
Bring air into the ground with a pin roller or rake.
Rake out dead grass and clippings.
Sweep your lawn after you cut it.
Cut branches hanging over your lawn. Mushrooms like moist dark places, so bring sunlight to the shady areas where they thrive.
Use nitrogen fertilizer, (no slow release, and no water soluble) to quickly compost spots of dead matter or mushroom rings.
Use of fungicides is not a great solution as you only kill what is above ground,. whereas most of the mushroom is part of a mycelium that grows underground.
Or just enjoy Mother Nature, mushrooms and all, now that fall is here!

Newsletter September 2015

 Sales in Alberta

 

Alberta’s economy continues to moderate. The labour market has cooled and consumers are scaling back on spending. After a robust first quarter, new housing activity also seems to be slowing.  


Lower energy prices have curbed manufacturing and conventional oil and gas activity and pulled down the value of exports. In April, Alberta added 12,500 jobs, posting year‑over‑year (y/y) employment growth of 2.4%.  Since December, employment has increased by 13,700; however, almost all the job gains have been in part-time service-sector positions, and cost pressures are diminishing in the construction sector.


Full-time jobs have declined by 22,800, while the higher-paying goods sector has shed almost 15,000 jobs.  A lot of those are oil field-related. 

Consumers pulled back on their spending in the first quarter of 2015. Retail sales declined 2.0% y/y, mainly on lower sales at gasoline stations. 


The decline in gasoline prices continued to outpace sales in March. In addition, growth in motor vehicle sales has been slowing over the past six months.  Sales were down 3.6% y/y in the first quarter.


If the oil industry does not pick up steam this fall, we might see more layoffs.  This can trigger more sales in the housing market where owners are forced to cut their monthly cost. 


If you are in the market to buy, this might be an opportunity, as prices will come down under a top-heavy inventory.


If you plan to sell property, however, it might be a good idea to sell in today’s market.


(Part of the information above is from the Government of Alberta)

 

Farm land prices
Land prices have softened recently in some areas.  With farmers wondering what to do and what to offer, here’s a compilation of what others think:
With the commodity market in a softening trend, it might be a good idea to sit back and wait.
Most farmland is bought with a 50-year long-term-buy-and-hold strategy. 
Land purchased for the right price is a very good investment, but, like anything else, you can pay too much for it. Land historically generates a four to six per cent earnings return, and if you paid for land which generates only a three per cent earnings return, you probably paid too much. 
If farmland is only generating about a three per cent return, investors just aren’t able to stay in the game when farmers with long-term horizons start bidding prices up.
That pace picked up starting in 2006, with investors taking over properties, improving them, and renting them out to local farmers. Billions of dollars worth of farmland was sold in Canada in this category.
This has fuelled exuberance in land values that probably pushed land values at least 25 to 30 per cent above where they should have gone. 
As a result, even just a normalization of interest rates could cause a lot of money to be pulled out of this market.
On the other hand, however, consider the influence of China that hit this market in 2006, combined with the ethanol market that hit in 2006 -- events that created the perfect storm.  The Chinese market will need to hold at six or seven per cent growth in order to support current land prices. 
The local market, however, will have the greatest impact on where prices will go in the near future.  Farmers that generate enough income, that they have a tax problem, will invest in land to resolve that problem. 1 or 2 sales in an area can spur others, to pay more, and this can get easily out of hand.
As long as you can make a return on investment, buying land is never a bad idea. If you can pay for what you borrow through revenue, it is ok. Buying it on speculation might prove otherwise.

The future of farming has different options.
Expansion, diversifying, or value adding are all options to raise farming income.
When you think of value adding, there are numerous ways to do this.

Cheese
Cider and other apple products
Confections and candles
Corn snack foods
Crafts
Dried flowers, e.g., cultivated, arid, wild
Dried Fruits
Fresh or stone ground grains
Furniture, e.g. outdoor chairs, picnic tables
Honey and beeswax products
Meat processing, e.g., jerky
Sawmill
Soap making
Tanning hides
Toys from wood
Wheat weaving
Winemaking
Wool processing and spinning

Instead of the raw product, a processed product that has a higher value is brought to market.
If you’re thinking about farming, and you want to take a different direction, this might be the option for you.  However, before you jump into the value-added market, do sufficient research.  As many others are doing this, the market must be ready to absorb your products.

       Plant bugs

While predatory insects are bent on destroying aphids, ants in the garden are the aphid’s sworn protectors. Ants feed on the honeydew produced by aphids, so it is in their best interest to defend this precious resource. Getting rid of ants, so that introduced predatory insects can eliminate aphids, is an important part of a good aphid control program.
Control ants by trimming the lower parts of the plant so that they don’t touch the ground and give ants easy access. Coat the lower part of the stem with a sticky substance, such as “Tangle foot”, to prevent the ants from climbing. You can apply the sticky substance directly to the trunk of thick-barked trees and shrubs. Wrap the stems of other plants in tape and apply the product to the tape rather than the stem. Most of the time, however, simply using an organic aphid-control pesticide will take care of the ants as well.

Garlic oil spray: mince or finely chop three to four cloves of garlic, and add them to two teaspoons of mineral oil. Let this mixture sit for 24 hours. Strain out the garlic pieces, and add the remaining liquid to one pint of water. Then add one teaspoon of liquid dish soap. This mixture can be stored and diluted as needed. When you need to spray, use two tablespoons of the mixture added to one pint of water in a spray bottle.

To use your garlic oil spray: first test by spraying an inconspicuous part of the plant to see if your mixture harms it at all. If there are no signs of yellowing or other leaf damage after a day or two, it is safe to use. If there is leaf damage, dilute the mixture with more water and try the test again. Once you have determined that it won't harm your plant, spray the entire plant, paying special attention to the undersides of leaves.

Warning: Garlic oil is a non-selective insecticide, which means that it will kill beneficial insects (such as ladybugs, who are natural predators of aphids) just as easily as the bad ones. It's best to keep as many beneficial insects around as possible. This spray should be used only if you haven't seen any beneficial bugs in your garden. The tomato leaf recipe above won't harm helpful insects, so you should use that if you're lucky enough to have some good bugs in your garden.

Killing weeds

Vinegar: Plain old-fashioned distilled white vinegar will do the trick.  The acid in the vinegar kills the leaves but not the roots.  You will have to apply it more than once but eventually it will kill the plant.

Don’t put the vinegar anywhere you want to actually grow plants – it doesn’t know               the difference between a good plant and a bad one and will kill both.

Pour into a spray bottle to make it easier to selectively target the weeds you want to kill.

Vinegar, table salt & dish soap:
Salt added to the vinegar makes it that much more potent and the salt and dish soap helps the mix stick to the leaves.  
A mixture of two cups of vinegar, half a cup of table salt and about one teaspoon of dish soap is a good recipe.  Pour the mixture into a spray bottle and apply to the weeds you want to kill.


       Painting before winter

Painting might not be your favorite job, but It helps preserve what you’ve got.
When inspecting your house, take a good hard look at doors -- in particular, the lower end.
When paint starts to crack or flake, moisture can get in and will speed up the flaking process and deteriorate the wood in no time.

Take a steel brush and remove all the paint. If necessary, use a torch to speed up the process.
Let the wood dry out. Now put on a good primer, sand it down and apply a second coat.
Finish with a paint to seal the area.
If your wood has gone soft, you have to replace it either completely or partially. Don’t make the mistake of sealing it with paint, as its life will be extended for only a very short time. It is a waste of time and money.

Newsletter September 2015

    Sales in Alberta

Alberta’s economy continues to moderate. The labour market has cooled and consumers are scaling back on spending. After a robust first quarter, new housing activity also seems to be slowing.  Lower energy prices have curbed manufacturing and conventional oil and gas activity and pulled down the value of exports. In April, Alberta added 12,500 jobs, posting year over year (y/y) employment growth of 2.4%.  Since December, employment has increased by 13,700; however, almost all the job gains have been in part-time service-sector positions, and cost pressures are diminishing in the construction sector.
Full-time jobs have declined by 22,800, while the higher-paying goods sector has shed almost 15,000 jobs.  A lot of those are oil field-related.  
Consumers pulled back on their spending in the first quarter of 2015. Retail sales declined 2.0% y/y, mainly on lower sales at gasoline stations. The decline in gasoline prices continued to outpace sales in March. In addition, growth in motor vehicle sales has been slowing over the past six months.  Sales were down 3.6% y/y in the first quarter. 
If the oil industry does not pick up steam this fall, we might see more layoffs.  This can trigger more sales in the housing market where owners are forced to cut their monthly cost. If you are in the market to buy, this might be an opportunity, as prices will come down under a top-heavy inventory.
If you plan to sell property, however, it might be a good idea to sell in today’s market.
(Part of the information above is from the Government of Alberta)

Farm land prices
Land prices have softened recently in some areas.  With farmers wondering what to do and what to offer, here’s a compilation of what others think:
With the commodity market in a softening trend, it might be a good idea to sit back and wait.
Most farmland is bought with a 50-year long-term-buy-and-hold strategy. 
Land purchased for the right price is a very good investment, but, like anything else, you can pay too much for it. Land historically generates a four to six per cent earnings return, and if you paid for land which generates only a three per cent earnings return, you probably paid too much. 
If farmland is only generating about a three per cent return, investors just aren’t able to stay in the game when farmers with long-term horizons start bidding prices up.
That pace picked up starting in 2006, with investors taking over properties, improving them, and renting them out to local farmers. Billions of dollars worth of farmland was sold in Canada in this category.
This has fuelled exuberance in land values that probably pushed land values at least 25 to 30 per cent above where they should have gone. 
As a result, even just a normalization of interest rates could cause a lot of money to be pulled out of this market.
On the other hand, however, consider the influence of China that hit this market in 2006, combined with the ethanol market that hit in 2006 -- events that created the perfect storm.  The Chinese market will need to hold at six or seven per cent growth in order to support current land prices. 
The local market, however, will have the greatest impact on where prices will go in the near future.  Farmers that generate enough income, that they have a tax problem, will invest in land to resolve that problem. 1 or 2 sales in an area can spur others, to pay more, and this can get easily out of hand.
As long as you can make a return on investment, buying land is never a bad idea. If you can pay for what you borrow through revenue, it is ok. Buying it on speculation might prove otherwise.

The future of farming has different options.
Expansion, diversifying, or value adding are all options to raise farming income.
When you think of value adding, there are numerous ways to do this.

Cheese
Cider and other apple products
Confections and candles
Corn snack foods
Crafts
Dried flowers, e.g., cultivated, arid, wild
Dried Fruits
Fresh or stone ground grains
Furniture, e.g. outdoor chairs, picnic tables
Honey and beeswax products
Meat processing, e.g., jerky
Sawmill
Soap making
Tanning hides
Toys from wood
Wheat weaving
Winemaking
Wool processing and spinning

Instead of the raw product, a processed product that has a higher value is brought to market.
If you’re thinking about farming, and you want to take a different direction, this might be the option for you.  However, before you jump into the value-added market, do sufficient research.  As many others are doing this, the market must be ready to absorb your products.

       Plant bugs

While predatory insects are bent on destroying aphids, ants in the garden are the aphid’s sworn protectors. Ants feed on the honeydew produced by aphids, so it is in their best interest to defend this precious resource. Getting rid of ants, so that introduced predatory insects can eliminate aphids, is an important part of a good aphid control program.
Control ants by trimming the lower parts of the plant so that they don’t touch the ground and give ants easy access. Coat the lower part of the stem with a sticky substance, such as “Tangle foot”, to prevent the ants from climbing. You can apply the sticky substance directly to the trunk of thick-barked trees and shrubs. Wrap the stems of other plants in tape and apply the product to the tape rather than the stem. Most of the time, however, simply using an organic aphid-control pesticide will take care of the ants as well.

Garlic oil spray: mince or finely chop three to four cloves of garlic, and add them to two teaspoons of mineral oil. Let this mixture sit for 24 hours. Strain out the garlic pieces, and add the remaining liquid to one pint of water. Then add one teaspoon of liquid dish soap. This mixture can be stored and diluted as needed. When you need to spray, use two tablespoons of the mixture added to one pint of water in a spray bottle.

To use your garlic oil spray: first test by spraying an inconspicuous part of the plant to see if your mixture harms it at all. If there are no signs of yellowing or other leaf damage after a day or two, it is safe to use. If there is leaf damage, dilute the mixture with more water and try the test again. Once you have determined that it won't harm your plant, spray the entire plant, paying special attention to the undersides of leaves.

Warning: Garlic oil is a non-selective insecticide, which means that it will kill beneficial insects (such as ladybugs, who are natural predators of aphids) just as easily as the bad ones. It's best to keep as many beneficial insects around as possible. This spray should be used only if you haven't seen any beneficial bugs in your garden. The tomato leaf recipe above won't harm helpful insects, so you should use that if you're lucky enough to have some good bugs in your garden.

Killing weeds

Vinegar: Plain old-fashioned distilled white vinegar will do the trick.  The acid in the vinegar kills the leaves but not the roots.  You will have to apply it more than once but eventually it will kill the plant.

Don’t put the vinegar anywhere you want to actually grow plants – it doesn’t know               the difference between a good plant and a bad one and will kill both.

Pour into a spray bottle to make it easier to selectively target the weeds you want to kill.

Vinegar, table salt & dish soap:
Salt added to the vinegar makes it that much more potent and the salt and dish soap helps the mix stick to the leaves.  
A mixture of two cups of vinegar, half a cup of table salt and about one teaspoon of dish soap is a good recipe.  Pour the mixture into a spray bottle and apply to the weeds you want to kill.


       Painting before winter

Painting might not be your favorite job, but It helps preserve what you’ve got.
When inspecting your house, take a good hard look at doors -- in particular, the lower end.
When paint starts to crack or flake, moisture can get in and will speed up the flaking process and deteriorate the wood in no time.

Take a steel brush and remove all the paint. If necessary, use a torch to speed up the process.
Let the wood dry out. Now put on a good primer, sand it down and apply a second coat.
Finish with a paint to seal the area.
If your wood has gone soft, you have to replace it either completely or partially. Don’t make the mistake of sealing it with paint, as its life will be extended for only a very short time. It is a waste of time and money.

Farm land prices


Land prices have softened recently in some areas.  With farmers wondering what to do and what to offer, here’s a compilation of what others think:


With the commodity market in a softening trend, it might be a good idea to sit back and wait.

Most farmland is bought with a 50-year long-term-buy-and-hold strategy.

Land purchased for the right price is a very good investment, but, like anything else, you can pay too much for it. Land historically generates a four to six per cent earnings return, and if you paid for land which generates only a three per cent earnings return, you probably paid too much.


If farmland is only generating about a three per cent return, investors just aren’t able to stay in the game when farmers with long-term horizons start bidding prices up.


That pace picked up starting in 2006, with investors taking over properties, improving them, and renting them out to local farmers. Billions of dollars worth of farmland was sold in Canada in this category.

This has fuelled exuberance in land values that probably pushed land values at least 25 to 30 per cent above where they should have gone.


As a result, even just a normalization of interest rates could cause a lot of money to be pulled out of this market.

On the other hand, however, consider the influence of China that hit this market in 2006, combined with the ethanol market that hit in 2006 -- events that created the perfect storm.  The Chinese market will need to hold at six or seven per cent growth in order to support current land prices.


The local market, however, will have the greatest impact on where prices will go in the near future.  

Farmers that generate a higher income, which triggers taxes, can invest in land to resolve that problem. 1 or 2 sales in an area can spur others, to pay more, and this can get easily out of hand.


As long as you can make a return on investment, buying land is never a bad idea. If you can pay for what you borrow through revenue, it is ok. When you can hold for 30 to 50 years, your investment will always increase in value. 


Buying it on speculation might prove otherwise. 


 

The future of farming has different options.


Expansion, diversifying, or value adding are all options to raise farming income.

When you think of value adding, there are numerous ways to do this.

 

Production of cheese

Corn snack food

Meat processing

fabrication of wood products

Winery

Soap or crafts

etc.

 

Instead of the raw product, a processed product that has a higher value is brought to market.


If you’re thinking about farming, and you want to take a different direction, this might be the option for you.  

However, before you jump into the value-added market, do sufficient research.  

As many others are doing this, the market must be ready to absorb your products.


To increase the bottom line, you can also think about direct marketing.

This can be trough internet sales, or farmers markets.

The main goal is to find a product that will sell for a good return.

Becoming member of a regional organization can pay off in a big way.

 

       Plant bugs

 

While predatory insects are bent on destroying aphids, ants in the garden are the aphid’s sworn protectors. 

Ants feed on the honeydew produced by aphids, so it is in their best interest to defend this precious resource. 

Getting rid of ants, so that introduced predatory insects can eliminate aphids, is an important part of a good aphid control program.


Control ants by trimming the lower parts of the plant so that they don’t touch the ground and give ants easy access. Coat the lower part of the stem with a sticky substance, such as “Tangle foot”, to prevent the ants from climbing. You can apply the sticky substance directly to the trunk of thick-barked trees and shrubs. 

Wrap the stems of other plants in tape and apply the product to the tape rather than the stem. 

Most of the time, however, simply using an organic aphid-control pesticide will take care of the ants as well.

 

Garlic oil spray: mince or finely chop three to four cloves of garlic, and add them to two teaspoons of mineral oil. Let this mixture sit for 24 hours. Strain out the garlic pieces, and add the remaining liquid to one pint of water. Then add one teaspoon of liquid dish soap. This mixture can be stored and diluted as needed. When you need to spray, use two tablespoons of the mixture added to one pint of water in a spray bottle.

 

To use your garlic oil spray: first test by spraying an inconspicuous part of the plant to see if your mixture harms it at all. If there are no signs of yellowing or other leaf damage after a day or two, it is safe to use. 

If there is leaf damage, dilute the mixture with more water and try the test again. Once you have determined that it won't harm your plant, spray the entire plant, paying special attention to the undersides of leaves.

 

Warning: Garlic oil is a non-selective insecticide, which means that it will kill beneficial insects (such as ladybugs, who are natural predators of aphids) just as easily as the bad ones.


It's best to keep as many beneficial insects around as possible. This spray should be used only if you haven't seen any beneficial bugs in your garden. 

 

Killing weeds

 

Vinegar: Plain old-fashioned distilled white vinegar will do the trick.  The acid in the vinegar kills the leaves but not the roots.  You will have to apply it more than once but eventually it will kill the plant.

 

Don’t put the vinegar anywhere you want to actually grow plants – it doesn’t know the difference between a good plant and a bad one and will kill both.

 

Pour into a spray bottle to make it easier to selectively target the weeds you want to kill.

 

Vinegar, table salt & dish soap:

Salt added to the vinegar makes it that much more potent and the salt and dish soap helps the mix stick to the leaves. 

A mixture of two cups of vinegar, half a cup of table salt and about one teaspoon of dish soap is a good recipe.  Pour the mixture into a spray bottle and apply to the weeds you want to kill.

 

 

       Painting before winter

 

Painting might not be your favorite job, but It helps preserve what you’ve got.

When inspecting your house, take a good hard look at doors -- in particular, the lower end.


When paint starts to crack or flake, moisture can get in and will speed up the flaking process and deteriorate the wood in no time.

 

Take a steel brush and remove all the paint. If necessary, use a torch to speed up the process.


Let the wood dry out. 

Now put on a good primer, sand it down and apply a second coat.


Finish with a paint to seal the area.


If your wood has gone soft, you have to replace it either completely or partially.


Don’t make the mistake of sealing it with paint, as its life will be extended for only a short time.



Just a thought


If you want to have control in your life

be prepared for change





The best compliment  you can give, is your referral.

When you refer us to a friend,

dinner is on us.

@









The best compliment is your referral

When you referrer us to a friend

Dinner is on us
@

The Ranch House

The best compliment is your referral

When you referrer us to a friend

Dinner is on us
@

The Ranch House

The best compliment is your referral.

When you refer us to a friend,

dinner is on us.

@

the Ranch House

The best compliment is your referral.

When you refer us to a friend,

dinner is on us.

@

the Ranch House

The best compliment is your referral.

When you refer us to a friend,

dinner is on us.

@

the Ranch House


The best compliment is your referral.

When you refer us to a friend,

dinner is on us.

@

the Ranch House

The best compliment is your referral.

When you refer us to a friend,

dinner is on us.

@

the Ranch House


The best compliment is your referral.

When you refer us to a friend,

dinner is on us.

@

the Ranch House