Posted by & filed under Calgary Lifestyle.

FOOD-4ThSpot0001-2012-11-11T16-38-48-179574rnI don’t like to tout very many products or services but certain businesses are so exceptional that they deserve the extra attention. 4th Spot restaurant is my go-to restaurant/pub when I want to eat good food at a reasonable price. It’s a relaxed place with cozy and comfortable decor. They have an eclectic array of live music in the lounge, on Tuesdays and nightly features that are easy on the wallet. The restaurant is an open concept and caters to families, while the relaxed lounge is great for groups looking to socialize in a laid-back atmosphere. While away hot summer days on their patio and sip local brews from the Wildrose Brewery (Calgary, AB). The food is excellent value, with an emphasis on local ingredients.rnrn4th spot is located in the heart of the Mount Pleasant neighbourhood and it is the beating pulse of this vibrant and mature Calgary community.rnrn rnrn[google-map-v3 width="600" height="400" zoom="14" maptype="roadmap" mapalign="center" directionhint="false" language="default" poweredby="false" maptypecontrol="true" pancontrol="true" zoomcontrol="true" scalecontrol="true" streetviewcontrol="true" scrollwheelcontrol="false" draggable="true" tiltfourtyfive="false" addmarkermashupbubble="false" addmarkermashupbubble="false" addmarkerlist="rnrn2620 4 St NW  Calgary, ABrnrn{}bar.png" bubbleautopan="true" showbike="false" showtraffic="false" showpanoramio="false"]rnrn rnrn rnrn 

Posted by & filed under Calgary Real Estate News.

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In July, the market saw a 17% increase in residential sales and the sales for apartment condos and townhouses in the city of Calgary were particularly strong with 28% and 23% increases, respectively. Some of the increase was due to increased demand as people affected by the flood looked for new housing. In spite of the skewed statistics, the Calgary real estate market remains strong and ranks third in the country (after Hamilton, ON and Quebec City) for average home price growth.

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You can read the full CREB report for July 2013 by clicking here. Also, if you have any questions about the Calgary real estate market please don’t hesitate to contact me.

Posted by & filed under Calgary Real Estate News.

Bow River HDR_FloodrnOver a month has passed since the 2013 Calgary (Alberta) floods and as Calgary cleans up and rebuilds there are some important considerations to make for both flood victims and people wanting to buy in a floodplain. For those affected by the flood, they will know that they live in a flood plain and by now, realize the risk. For those moving to Calgary and within Calgary, The City of Calgary has a comprehensive flood plain/fringe map (Calgary Flood Plain/Fringe Maps) that prospective owners can use to see if their preferred community lays on the floodplain or flood fringe. This resource was adopted in 2010 and may need to be updated after the most recent flood, but it still should be consulted for those that are concerned about floods. For those living outside of a municipal area, the Province of Alberta has a Flood Hazard Mapping tool which the public can use to get a picture of flood-prone areas throughout the province (Provincial Flood Hazard Map)rnrnFlood_maprnrnGovernment and municipal flood management policies are sure to change as Calgarians grapple with living on two flood-prone rivers (The Elbow and Bow Rivers). Currently, a provincial flood insurance program is being batted around as a way of dealing with the aftermath of flooding. Berms will be built and scraping will be done on rivers to help mitigate flooding in areas that were severely affected in last months flood. Homeowners that are rebuilding are also required to relocate electrical, install back-flow prevention measures and seal basements against seepage, if they are to receive Provincial funding. Many of these initiatives will be rolled out over years and prospective homeowners, looking to live near rivers and creeks will want to take all of these factors into account when purchasing in a flood-prone area. It can be a rewarding lifestyle to live in and around urban flowing rivers and creeks but homeowners must be aware of all of the risks involved, take preventative measures and have a plan when the worst happens.rnrnFor those already affected by the flood I’ve listed a few flood resource websites that flood victims may want to take a look at to make sure that they’re taking advantage of all of the insurance, government, volunteer and health initiatives that are being offered right now.rnrnFlood Victims Resources:rn

Posted by & filed under Calgary Real Estate News.

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Faxing, scanning and courier documents have always been the standard when conveying any real estate transaction but the digital age is slowly changing this. Today, .pdfs and electronic signatures are becoming more and more, the norm and Realtors and clients are welcoming the change with open arms. Wide-spread use of electronic documents and signatures, saves an immense amount of time for both the client and Realtor, it’s environmentally friendly and it speeds up the distribution and sharing of documents.

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My iPad has become another important tool and I use it regularly to write up offers on the go and delivery them electronically. I believe this gives my clients an edge and it saves everyone time. And, the Canadian Real Estate has recently given its endorsement of electronic real estate documents and signatures by signing an agreement with DocuSign to provide its service to Canada’s real estate industry.

Posted by & filed under Calgary Real Estate News.

rnrnThe Calgary real estate market continues to do well with the average price of a home in Calgary rising 6.7% in the month of May (year-over-year). While the residential real estate market in Calgary is healthy and continues to make steady gains, the commercial real estate market in Calgary has been on fire for some time. And, in a recent comparsion of markets throughout North America, Property Databank Ltd. listed Calgary as the top market for commercial real estate investment. Calgary beat out markets like Houston, New York and Los Angeles and international markets like Sydney and Cape Town, which saw returns of 9.9 percent and 11.2 percent, respectively. The returns for the Calgary market came in at 21.6% and these were partially fueled by the recovery in the Calgary economy and oil and gas sector.rnrnWith office space at a premium and head offices growth in Calgary at a rate of 11% (2011), commercial investment in Calgary continues to be a great investment.

Posted by & filed under Calgary Real Estate News.

Baron Building - Calgary Real EstaternrnThe Baron building, at 11 storeys, was Calgary’s first skyscraper and it housed a movie theatre for much of its life. The art Moderne design harkens back to the era of Elizabeth Taylor and James Dean but it has now made Hertitage Canada’s top 10 most endangered heritage sites.rnrnSome might say, because of its location, the land that it sits on is prime downtown Calgary real estate for developers and, in a city starved of commercial office space it probably seems like a good idea to pull it down and put up an office tower in its place. I’m not sure that I would agree though. Because, I for one am glad that the people of the Victorian age didn’t level all of their landmark, heritage sites to make way for the industrial age. If that were the case we probably wouldn’t be able to enjoy visiting places like St. Paul’s Cathedral or the Royal Botanic Gardens.rnrnOf course, all of these arguments are open to interpretation but we can be hopeful that city developers and nostalgics’ can find a balance to make room for everyone’s interests.

Posted by & filed under Calgary Real Estate News.

rnrnIf you are considering buying a home or refinancing/renewing your current mortgage, it may be wise to contact a mortgage specialist prior to July 9th. The Government of Canada has recently instituted new lending rules which include the following changes.rn

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  1. The maximum amortization period has been reduced to 25 years from 30 years (only effects high ratio mortgages that are CMHC or GE insured – conventional mortgages can still be amortized for up to 35 years).
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  3. The maximum amount of equity homeowners can take out of their homes when refinancing has been reduced to 80% from the current 85%.
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  5. The maximum purchase price for government-insured mortgages is now $1 million.
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  7. The maximum gross debt service ratio has been changed to 39% and the maximum total debt service ratio at 44%
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rnIt seems as though these rules have been instituted to help cool the hot real estate markets in Toronto and Vancouver where prices have risen but these rules may also have minor affects on other markets. With real estate price increases in the double-digits, in Toronto, the Federal Government was forced to tip its hand and try to prevent an over-heating in these markets. Analysts have predicted that as a result of these measures, Vancouver and Toronto will see average housing prices fall 10-15% over the next 2-3 years.rnrnIn Calgary, Edmonton and other markets which have not seen the type of speculation that Vancouver and Toronto have, prices will be much more moderately effected.rnrnIf you would like me to put you in touch with one of my trusted mortgage specialists to get more details about how these changes effect you, please contact me.

Posted by & filed under Calgary Real Estate News.

I have just uploaded my first Youtube video!rnrnThis video showcases some of the great mountain biking that is found right in Calgary, Alberta! Nose Hill is one of the largest urban parks in Calgary and offers some great views of the Rockie Mountains and of the Cities Skyscrapers.rnrnrnIf you are interested in seeing what Nose Hill has to offer for single track riding then please check out my video… Miranda Moser Realtor and Mountain Bike Enthusiast

Posted by & filed under Calgary Real Estate News.

JUST LISTED!rnrnI just listed a Middle Eastern/Mediterranean style full service restaurant located in a high traffic area of the Northeast of Calgary. This listing price is $325,000 and that includes all of the equipments and chattels.rnrnrnrnThis is a very established restaurant with a good clientele.rnrnPlease contact Miranda to receive additional information about this confidential sale.

Posted by & filed under Calgary Real Estate News.

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To many Calgarian’s, such as myself, the Calgary Stampede is an honoured tradition in our City. I love the way the City comes out to celebrate our Cowboy/Cowgirl western heritage. And, that for these 10 days out of the year, it is completely acceptable to show up to business meetings in jeans, a plaid t-shirt and cowboy boots. Maybe in Texas would that be acceptable attire on a regular basis. Even the Calgary police get into the spirit with their police regulation cowboy hats.

rnHere are my top 5 suggestions for what a family should see when visiting the Calgary Stampede.rnrn rnrn1. The Calgary Stampede Parade – The parade is always a great way to introduce your kid’s to the sites and sounds of Stampede. But, make sure that you arrive early in the morning to stake out the best place to view the parade because in past years there have been 10′s of thousands of spectators all vying for prime viewing spots along the route.rnrn2. Make sure to take in at least one concert. Even if you aren’t a country music fan you should still see at least one of the country western singers that will light up the Coca Cola stage during the ten days. This year Kenny Chesney will be closing off the Stampede on July 17th and you know that the audience is going to be crazy! Or, if you are a female and you are a  Generation X’er or Y’er, like myself, then you will have to make a date with your girlfriends to see NKOTBSB. Yes, ladies New Kids on The Block and BackStreet Boys will be preforming together July 15th (mark it in your calendar and make sure the husbands know that they will be babysitting that evening) :) rnrn3. Rides and Games at the Midway. Bring cash but also bring a sense of adventure! With 40 major rides to choose from one can have a very enjoyable afternoon of thrill seeking. And, the Kid’s Midway offers everything for little thrill-seekers-in-training including rides called the Construction Zone, Undersea Adventure, Hillbilly Village, Giant Lollipop Swings and the Wacky Worm Roller-coaster.rnrn4. If you are ‘watching your weight’ you may want to take a break from the dieting during Stampede, or else you are just a glutton for punishment. Firstly, one must definitely take in at least one of the free Stampede breakfasts that are throughout the City during Stampede. These breakfasts are usually hardy, tasty and most importantly free! But, do remember that Calgary has a population of over 1 Million foodies so make sure that you scout out the freebie breakfast location the day before and plan to arrive at opening. It doesn’t matter whether you prefer savory or sweet there are plenty of goodies to dig into from Samosas to deep fried poptarts and everything in between!rnrn5. Stampede Agricultural and Animals check out some fun events such as GMC Rangeland Derby and Super Dogs those are two events that are fun and relatively safe for the animals participating in the events (as with a large population of Calgarians, I do not condone activities that potentially endanger the health and well being of horses, steers and other animals that are forced to participate in some activities). Also, make sure to take the kids to a Grandstand show and take in the evening fireworks.rnI hope that ya’ll have a wonderful time taking in some of the fun events that are offered during Stampede!