Penny Kander's lesson on her first listing in Red Deer

My mom was at her parents The other day and they had saved this page in the red your advocate. This was one of her very first listings in real estate. When my mom talked with the lady and she asked her how much money she had left owing on her mortgage which is a question that we ask. The lady said that she didn’t owe anything and she was thinking that was a good thing until she told my mom that her husband had passed away but that the mortgage insurance that they had taken out paid off the mortgage therefore putting them in a better financial position. Ever since that day I always ask people do you have life insurance at least enough to cover the mortgage on your house. It doesn’t have to be life insurance that the bank gives you because often times you can get cheaper term insurance from a insurance broker and it does the same thing. We all think we live forever. But the truth is you never know what life will bring so it’s good to have some insurance in place to protect those that you love.

#nomortgage

#lifeinsurancehelps

#firstlisting

#lifelesson

#protectyourassests

Free real estate investment education at

https://www.facebook.com/teamkander/

Bryce/Penny Kander

Realty Executives Alberta Elite

403-896-9592

Think outside of the box red deer

George Carlin does a very humourous shtick on “stuff”.
He talks about how we have a box that we put our stuff in. It’s our house! We get more stuff and then we need a bigger box to put our stuff in.
So are we living and working to make a life we love or are we going to work just to pay for the box to put our stuff in?
Food for thought... do we need all that stuff? How about we buy a house thats just big enough and not acquire any excess. Then we will have more money in the bank, less stress, more time on your hands, and more life energy to create the life we really want.
#TeamKander
#ItsJustStuff
#WhatMattersMost
#ThinkOutsideOfTheBox

Free real estate investment education at
https://www.facebook.com/teamkander/
Bryce/Penny Kander
Realty Executives Alberta Elite

403-896-9592

Tims vs red deer real estate

Do we really need our fast food to be faster?
When I saw that at Tim Hortons you can order online so you don’t have to wait it made me laugh and also a little sad.
It’s a bit the same when people want to get rich quick!
It seems a bit ridiculous that we want life to move faster and faster and faster but Real Estate generally doesn’t work that way.
Let us help you make a plan, take the time that’s needed to understand the process, and look at your options so that you can make the best decision possible for your financial future. We are here to help!
#TeamKander
#TheHelpYouNeed
#FasterIsNotAlwaysBetter
#GoalsAndVision

Free real estate investment education at
https://www.facebook.com/teamkander/
Bryce/Penny Kander
Realty Executives Alberta Elite
403-896-9592

HOW LOW CAN ALBERTA HOUSE PRICES GO? Everybody LIMBO!!

HOW LOW CAN ALBERTA HOUSE PRICES GO? Everybody LIMBO!!

My plan was to be able to pull out equity from my houses to purchase another legally suited property for 5% down but 5 out of 7 of my houses now have a loan-to-value ratio of 100%, meaning my mortgage balance is the same as the value of my house!
So NOW what?

I feel like we're doing the limbo. The last time I did the limbo, I tore my ACL! Central Alberta house prices have dropped over 20% in the last 4 years; about a 6% drop per year! 

Over the last 5 years of home ownership, I've just chased the mortgage down with the value of the house. The good news is that now I only have 20 years left on the mortgage that started at 25 years.
Even though I am not “making any money”, I am whittling down the term on the mortgage and in 20 years it will be paid off!
Even if it takes another 5 years, our “torn ACL" will recover and I will be 5 years closer to having my mortgage paid off!

For more real estate investment education, follow us at
https://www.facebook.com/teamkander/
Bryce/Penny Kander
Realty Executives Alberta Elite
403-896-9592

Why didn't my Red Deer house sell?

In the last 12 months there have been more property listings cancelled or expired than at any time in my history in real estate.
If you are wondering “why didn’t my house sell?”, just send us a message here or text 403-896-9592. We will send you a personalized report as to possible reasons why your home hasn’t sold yet and what you could do to generate a sale!
#TeamKander
#WhyHasn’tMyHouseSold
#InsideScoop
#GetItSold


Bryce/Penny Kander
Realty Executives Alberta Elite
https://www.facebook.com/teamkander/
403-896-9592

Not chicken to sell your house!

It’s interesting to read articles about homes that people feel have a “spirit” in them.
I know that sometimes when I walk into home it has a wonderful feeling. I have had the odd occasion though when I walk into a house and the hair stands up on the back of my neck.
There are homes that are called “stigma homes” where there has been an unfortunate event. This is something that isn’t necessarily disclosed unless you ask point blank. If there has been any traumatic or unusual issues, these type of issues can affect the sale price of a home. I purchased one such home where there had been an incident outside the home and it turned out to be a great place and we didn’t have any issues.
One thing to consider; when you purchase a home and your family lives in it, that can create a sense of welcoming, peace, and comfort. One of the great things about home ownership is you get to create a new atmosphere in a home and it becomes a special place for your family and friends!
#TeamKander
#HauntedHouses
#AskTheRightQuestions
#WeAreNotChickenToSellYourHouse
#CreateANewSenseOfHome

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