I have listed a new property at 9 WOODLAND Crescent in Tillsonburg.
Welcome home to 9 Woodland Crescent in Tillsonburg! This is the first time this private, peaceful property backing onto a field at the town's edge has been offered for sale. This beautifully maintained 3 bedroom boasts a beautiful kidney shaped pool with waterfall, a pizza oven, large shed (with hydro), mature landscaping complete with sprinklers, two tiered deck with pergola & an oversized double car garage. The living room features a gas fireplace and is open concept to the dining room and the eat in kitchen. The sizable primary bedroom is located on the main floor, offers a grand ensuite with a stand alone tub and a large walk in shower area. Continue through to the walk in closet and you will be blown away by the amount of space that is available. The second story features two large bedrooms with a shared washroom between them and a large loft style bonus room above the garage. Stepping out onto the large deck you get to experience how truly spectacular this property is. This outdoor oasis is an ideal spot for entertaining or for your own private sanctuary and the sunsets are absolutely spectacular! (id:2493)
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This episode was filmed with Lewis Kent, a financial advisor with SPM Financial.

Lewis Kent is a leader within the community and actually won the award ' Top 20 in their 20's' a designation given to young professionals that show a lot of promise in the community.

In this interview Lewis Kent & Dion Edwards discuss investing, that it is never too late to get started, and how you don't need large amounts of money to work with a professional financial advisor.

Describe your business

I'm a financial advisor, financial planner at SPM Financial. So we work with individuals on their personal financial planning. So their investments, making sure all their financial questions are answered and that their financial matters are in order.

So beyond in stocks and investments that you'll help them create a plan that suite them; whether it be to purchase real estate, etc?

Yeah, so overall, it's really kind of understanding where clients are at today, and where they want to get to and giving them the steps to get there.

So it is, you know, investment management, it may be you know, you buy a house and you need some life insurance to cover off the mortgage, kind of any financial questions. It can be anything from "Hey, you haven't started investing yet? And how does that work" all the way to; "You know, we're starting to think about retirement. How do we do that?" You know, it can be someone who's 55, that's a bit nervous about starting to think about retirement a bit late, or it could be someone in their mid-20s, who's like, I don't even know what an RSP is.

What made you decide to open this business?

So I started a business while I was at Western University. And then when I was graduating, I looked at a whole bunch of different options. This was one of the options on the plate. And this allowed me to work for myself similar like yourself, you know, being self-employed, you get to set your own schedule, there's a lot of perks there. And when I ran my own business, I kind of spoiled myself with that. And I just figured I could never really work for someone else again. So SPM, financials, great we're a workgroup of 12 advisors under the same roof. So you know, you don't really have a boss. So it's great to work for yourself. And I like the idea for my athletic background that the more effort I put in, the more rewards I can read from that.

What is something most people don't know about the business?

I think the big thing is that the number one thing people think, is that they need a lot of money to get started. And that's not the case, with most firms.

For example, with myself, a client can be just getting started, they could have just finished in school, or maybe they're a few years out of school, and they haven't really got started, I think too many people hesitate on, you know, I need $10,000 or $50,000, you can really just be getting started and get advice from a great advisor. If you never take that first step. It's incredible.

The number of clients I've worked with for four years now who started with nothing. And they started with $100 a month. And now we're dealing with 10s of 1000s of dollars. Because if you just you know, over time, you start with 100 bucks a month, and you like the idea of seeing that grow. And then you go well, I can do 200 now 300 it really the first step is.

What are your favorite restaurants in the neighborhood?

I'm going to be a bit biased here and go with the bungalow, just across the street from my house and Old North there pretty frequently so it's Yeah, it's right at Cheapside and Waterloo, in Old North there and we frequent there pretty often. So it's got great beers and great food. And you know, I could list a laundry list of other restaurants that I enjoy. But yeah, good beer and good food and you got my heart

What is something most people don't know about you?

I'd say in the general business community, something people don't know me for, but my family and friends know me for very well, something called the beer model. So when I was at Western Iran on the track team there, I also like to enjoy my Saturday nights. So I had a bit of balance of the two wasn't kind of the idea of the athlete who you know, would never enjoy themselves in an adult beverage. So the season, you know, you got to have some fun while you work hard. So beer miles, four laps of the track and you rent a drink of beer before every lap. Used to be kind of this fun joke thing that you would do in the offseason. But I had a pretty cool run with it where I ended up winning the World Championships twice and having the world record for a couple of years in there.

You did a lot with it too, Right? Like it was a big deal for a while there.

Yeah, it was. It was huge. Like for a couple years. That was great. When I was running my business because I was able to travel around the world. I got flown out to Melbourne, Australia. I could be in Las Vegas competed in Germany, London, England, it was pretty big for a year or two.

Why do you think it's important for people to shop local?

I think it's super important for you to shop local regularly, but also now especially during COVID. Just because of you know, businesses are struggling right now. Right? All these lockdowns coming in and out. And I think it's super important to why would you spend money on something that's been sourced internationally or from across the country when you could put it back in here local economy? Definitely, I think all you need is one friend who runs a small business to understand how much every single sale every single, like $1 that comes in means to them. And I think that's what it is, is if you just think about your one friend. And then think about every small business out there. They're just like your friend who's running their business and they're trying to put food on the table. Locally Sourced stuff is quite often the best stuff for you as well. So that's kind of the two reasons why.

What are some of the highest highs you've had in life so far?

I think on a business front, I've just been able to work with super high-quality individuals and people I enjoy are working with who's done very well for themselves like yourself Dion, continuing to build the business has been awesome.

See the highest highs so far, say of my life, though, was definitely part of the beer mile. I actually was on The Ellen DeGeneres Show. Yeah, as part of that. So that was I kind of have to answer that answer. Because it was just I think it got like 15 million people tune in around the world got flown to LA for it. It was just quite the experience. Yeah, that that takes the cake for sure.

Yeah, it makes sense. You also were sponsored, I think by Brooks, weren't you? and then there's the book your wrote?

I was, well am sponsored by Brooks running, for six years now. Sponsored by Beau's brewery, if you've heard of Lug tread, that is their beer. So I still work with Beau's on that front as well.

And then actually wrote a book that came out in 2019. About the whole experience of the kind of, you know, a university student who tries this Beer Mile thing to being on ESPN, Ellen, the whole shebang and a bit of tip and tricks. So the books on Amazon, if anyone wants a copy, it's out there. Just look up loose camp, your model and you'll find it.

What’s the most memorable experience you’ve had working with a customer?

The most memorable experience I've had with SPM so far, probably would be with a family who, you know, hadn't had a lot of conversation with their parents. So it's a middle-aged family, their parents died a bit young. And the big thing with that was that you know, they really didn't know what to do, all of a sudden, they inherited this money. And they would be what we would call kind of financially illiterate, where they're like, Well, my parents always took care of this and being able to walk through a brother and sister, you know, they were in their mid-40s. They have parents that kind of always handled everything and being able to walk them through and say, Hey, this isn't as complicated as you think, you know, here's where you're at, here's what your goals are here steps 123 to take just a really rewarding career where the Canadian government, the Ontario government doesn't do a great job at teaching people, you know, what is the TFSA? What is an RSP?

Most people think you need to be high net worth to take advantage of these things, but everybody could be using them. So it's, that was probably the most rewarding thing where took people from being you know, in a time in their life when it was, you know, they were dealing with this grief and kind of having to, you know, go through that process. And taking them from super confused and overwhelmed to within a few meetings feeling very good about their financial future.

Where are your favorite places to go in the neighborhood?

Are you like London, London? Yeah, I really like London, just for the culture. So I grew up in Mississauga moved to London in 2012 to go to Western, and I had a lot of friends graduate and stick around. And I think it's just got like a great young professional vibe. Obviously, before COVID there was fun places to go, like Joe cools and Barney's and heading downtown there, which, which I also enjoyed. But I think London overall is like a booming city where you know, a lot of people are used to be graduated from Western and you go to Toronto or Vancouver. And yeah, a lot of people are sticking around. And there's just a lot of great growing small businesses we're going to talk about today, but a lot of industries that, you know, you don't need to go to these Metropolis cities to get these good opportunities.

Note: This article is about SPM Financial. Please visit their profile page to find more information and review the business.

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I have listed a new property at 49 BURSLEM Street in London.
This lovely 2+1 bedroom, 2 bath bungalow in desired East London is perfect for a starting family or people looking to downsize. The main floor offers a well-sized living room, dining area and a bright kitchen with lots of cupboard space. Also two good-sized bedrooms w build-in closets, a 4pc bath and a large bonus room at the back. The lower level features 3pc bath, 3rd bedroom, workshop, laundry, office area and more storage space. (potential for inlaw suite). Updated electrical; breaker panel 2021. Enjoy the fenced mature backyard with gardens from your gazebo. 2 Storage sheds. Large concrete driveway. This great home is conveniently located close to parks, schools, shopping and bus routes. (id:2493)
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I have listed a new property at 369 TALBOT Street East in Aylmer.
Beautiful family home on a large waterfront piece of property. This quaint home is tucked back nicely from the road and boasts a large fenced-in yard, conveniently backing onto catfish creek, which adds substantial privacy. The home features high ceilings, newer windows, an updated kitchen, a spacious dining area, a new steel roof, main floor laundry (washer and dryer included) and SO much more. On the second floor you will find 3 generous bedrooms and a 4 piece bath/ There are multiple outdoor spaces including a covered back deck from the kitchen overlooking the yard, a large steel gazebo, a pergola and a fire-pit area. Don't forget about the above-ground pool! You won't want to miss this one! Also, there is an entrance to the basement with the potential for a granny suite! (id:2493)
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I have listed a new property at 16 CEDAR Street in Aylmer.
Check out this beautifully renovated four bedrooms, 2 baths home in the heart of Aylmer, Ontario. Nothing has been left untouched including the new roof and siding! This diamond in the rough features an Airy kitchen and dining area that is fantastic for your family! The smaller windows don't take any of the natural light an character from this beauty. Take note of the newer appliances and custom cabinetry! An absolute must-see. Please note that there are a few finishing touches that are bring wrapped up and will be completed this week. (id:2493)
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I have listed a new property at 188 VICTORIA Street in Glencoe.
Perfect home for the family, retired couple or investor. Situated on a large lot 188 Victoria is much larger than it looks. Tons of work has been put into this one and it shows. Tastefully decorated, the new kitchen with stylish granite counter tops, new bathrooms leave very little work left to do. Relax on the nice sized patio deck overlooking fully fenced yard. Updates include luxury vinyl flooring, updated roof (3years), 2 exterior doors, furnace, most vinyl windows. This home is spacious and still affordable. Don't miss out. These gems don't last long. (id:2493)
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I have listed a new property at 1825 WHITNEY Street in London.
Fantastic investment or live in the property! The unit features beautifully updated flooring, brand new kitchen cabinets, new countertops, and a full bathroom renovation! This spacious one bedroom, one bathroom apartment condo boasts a spacious living/dining area, a fair-sized bedroom, and a beautifully updated four-piece bathroom. Not to mention the fantastic balcony! Secured entry to the building. Easy access to Argyle Mall, shopping, bus routes, restaurants, etc. Heat, Water, Hydro & Parking are included in the condo fees. (id:2493)
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I have listed a new property at 33 PITT Street in Bayham (Munic).
Year-Round Living for less than rent! Find yourself in an ideal rural lifestyle with tons of outdoor activities at your disposal. Beautiful beach town living on this cozy cottage or full time residence with a large sundeck! Loads of recent updates! Nothing untouched! This location has you at the beach and the town shops within 10 minutes. An absolute must-see!! Lot fees are $500/month for this park and include the water, sewage and maintenance fees to the park. Taxes are separate from the park fees. Park approval is a must! (id:2493)
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The London and St. Thomas Association of REALTORS® (LSTAR) announced 854 homes exchanged hands in November, achieving another monthly record for residential sales. Sales were up more than 33% compared to the same time a year ago, marking the best results ever for November, since the Association began tracking data in 1978.

"This is the third consecutive month of record sales, demonstrating how robust the housing marketplace is right now," said LSTAR 2020 President Blair Campbell. "We continue to see increases in average sales price across the region in a market with historically low supply."

Inventory is an important measure of the balance between sales and the supply of listings, illustrating how long it would take to liquidate existing inventories at the current rate of sales activity.

"At the end of November, there were 0.7 months of inventory across the entire LSTAR jurisdiction, which is the lowest level in the past 10 years," Campbell said. "Out of the five main areas, St. Thomas had the lowest level at 0.5 months of inventory while London was at 0.6."

Another important measure is the sales-to-new listings ratio. It was 108.4% for LSTAR, which the Canadian Real Estate Association (CREA) says represents conditions in the marketplace that favour sellers (a ratio between 40% and 60% is generally consistent with a balanced market). LSTAR's five areas all recorded sales-to-new listings ratios over 100%, with the highest seen in Elgin County at 121.4% and St. Thomas at 113.8%.

The following table shows last month's average home prices by area and how they compare to the values recorded at the end of November 2019.

AreaNovember 2020 Average Sale PriceChange over November 2019
Elgin County $491,987 ↑ 13.6%
London $541,377 ↑ 29.9%
Middlesex County $604,212 ↑ 24.8%
St. Thomas $426,906 ↑ 28.4%
Strathroy $591,473 ↑ 29.2%
LSTAR $536,178 ↑ 28.8%

Taking a closer look at the London region, London South (which contains data for the west side of the city) saw the biggest year-over-year increase in the average price, coming in at $555,682, up 33.9%.

At the end of November, the average home price in London North was $619,908, up 26.8% compared to November 2019, while London East was $427,639, up 27.4% over a year ago. In St. Thomas, the average sales price was $426,906, up 28.4% over November 2019.

The median number of days that a home was on the market in London was 8 days, that's down from 11 days in November 2019. Meanwhile, in Strathroy, it was 13, down from 26; in Elgin, it was 18, down from 19; in St, Thomas, it was 12, up from 9; and in Middlesex, it was 9, down from 19.5.

Click here for the full November 2020 report!

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From time to time, a buyer-customer (No agency) will ask questions about a property I have listed and I think it is important to explain what is fair game to ask in these situations and why you may get a vague or unhelpful answer. 

When you ask the listing agent things like “What is the lowest offer your seller will take?" or "What is their bottom line?" 

Below is a list of things to note!

1. As the listing agent, I am working in the best interest of my client (the Sellers in this scenario) and am contractually bound to confidentiality about terms of offers from other individual offers, the motivation of the seller, and whether the seller will accept less than the listed price. 

2.  Even if the amount were to be disclosed to me, I am unable to tell you unless I have expressed, written permission directly from the seller. 

3. In most cases, I don’t know that information. Asking what the lowest price a client will accept is typically not part of the conversation as my goal is to always maximize returns, not limit them. 

4.  In many cases, the sellers themselves are unaware of their bottom line until they are reviewing an an actual offer that is on paper. They may have thought it one one amount but find that the terms of a lower offer are more attractive and aligned with their goals. 

5.  High level negotiations are irrevelant mean anything in real estate if they aren’t on paper. If you are interested in seeing how someone will respond to an offer, submit an offer. 

6. If you haven’t been inside a property it is very difficult, if not impossible to assess the value. You simply don't have enough information to judge the finished, craftsmanship, quality, etc.

7. See the property if it’s within your budget. Building a foudation of knowledge and understanding exactly what you like and don't like is a key to succesfully buying a house.  Come take a look at the property! (Critical detail) 

8. If you the property, you can begin a conversation with the seller on paper in the form of an offer. Circle back to number five for more information on this. 

9. When negociating and putting the offer together, there are a few things to consider! Price is important but so are conditions, inclusions, possession date, etc.

10. There are ways to strengthen the appeal of an offer. Things like explaining your story,  

11. use a professional Realtor®️ to assist you in navigating the negotiations and the construction of your offer. It will significantly increase your chances of success!

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I have listed a new property at 6 33 PITT ST in Bayham (Munic).
Year-Round Living for less than rent! Find yourself in an ideal rural lifestyle, with tons of outdoor activities available at your disposal. Beautiful beach town living on this cozy cottage or full time residence with a large sundeck! Loads of recent updates! Nothing was untouched! This location has you at the beach and the town shops are within a 10 minutes walk. Closeness to the famous submarine tour and quiet lakeside village. An absolute must-see!! Lot fees are $500/month for this park and include the water, sewage and maintenance fees to the park. Taxes are separate from the park fees*.
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The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are member’s of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.