Jennifer Berthelette REALTOR®

Mobile: 204.990.9418 |


Mom's Rhubarb Slush


This is a recipe my mom put together by combining a bunch of recipes she found online and making her own version.  It's a really good recipe for a hot day by the pool, and it has a lot of different fruity flavours all happening at the same time so it's sure to become a summer favourite.



Ingredients:


16 Cups of cubed rhubarb

10 cups of water

1 large strawberry Jello packet

1 can of frozen pink lemonade concentrate

1 can of frozen berry juice concentrate

1 Bottle of Club Soda

1-2 cups of sugar

*Optional - Peach Schnapps)


Directions:


1. Cook rhubarb in the water until it is soft and mushy.


2. Use stick blender to blend rhubarb until it is fully pureed.


3. Add strawberry jello powder, sugar, pink lemonade juice concentrate, and berry juice concentrate.


4. *Optional - Add booze, 6 cups is recommended*


5. Put container in the freezer.


6. Stir up frozen mixture, and when ready to serve, scoop into glasses and top up with club soda and stir.

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Aaron's Easy Horchata


Horchata is a creamy vanilla and cinammon flavoured rice based drink with middle eastern origins, that was adopted by the Spanish and then brought to Central and South America where it evolved into the delicious drink we have today.  Here's an easy recipe for horchata that I came up with after some experimenting and some help from Google.  It's very simple to make and it's also very easy to customize to be dairy free.  It can also be turned into a boozy drink fairly easily, but it really doesn't need it (spicy rye or spiced rum works best). 



Ingredients:


3 cups of water

1 cup of white rice

2 cups of milk

1 tablespoon of cinnamon

1 tablespoon of vanilla extract

2/3 cup of sugar



Steps:


1. Boil water


2. Add boiling water to rice in a bowl


3. Let rice soak at room temperature overnight


4. Put rice and water in the blender and blend until fully blended (it'll look like milk)  *If you don't have a blender, you can instead strain out the rice, but the horchata will ended up thinner and more watery, so you may want to add cream or condensed milk.


5. *Optional* Strain through a coffee filter (it'll be chalky if you don't strain it)


5. Add milk, sugar, cinnamon, and vanilla and stir.


6. Chill.  Serve.  Enjoy.


***Variation:


Blend with ice to make a horchata slushie.

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Tax Reporting of Your Principal Residence


If you have sold your principal residence you must report this sale on your income tax return. Contrary to the advice you may receive from family and friends otherwise, you must comply with the CRA’s requirements for reporting the sale of your primary residence. This was not always the case and as such you may be informed by a relative or friend that they did not have to report the sale of their primary residence when they sold. This can be entirely true if they sold their primary residence prior to January 1, 2016.


The CRA however does allow the principal residence exemption if you report the sale and designate the principal residence on your income tax return. The consequences of a failure to do so could be that you may not be allowed to claim the exemption. There may be allowance to go back and amend your income tax return if this was missed, however penalties may apply.


All questions regarding the reporting requirements should be directed to your tax adviser. You may also obtain additional information from the Canada Revenue Agency by telephone at 1-800-959-8281 (from Canada and the United States) or through their website https://www.canada.ca/en.html.  

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When purchasing a home, the majority of buyers will be obtaining a mortgage to finance their purchase. Together with a number of other documents which will be sent to the buyer’s lawyer will be a lengthy set of Standard Charge Mortgage Terms to be provided and explained by the lawyer to the buyer.


While focus for the buyer will be on the exciting moments like obtaining their key and moving day, it is important for anyone obtaining a mortgage to understand what they are signing and receiving. For the moment, let’s talk about Standard Charge Mortgage Terms (SCMT). While this 25-30-page document seems daunting, and the likelihood of anyone other than lawyers or mortgage professionals reading them seems intensely optimistic, it is important for this document to be explained.


Standard Charge Mortgage Terms is a legal document from the lender of the mortgage, which outlines all of the terms and conditions regarding a mortgage loan in relation to real estate. Simply put, it covers what the borrower is agreeing to in obtaining their mortgage financing as well as the lender’s agreement to follow these terms.


Inside SCMT are definitions, coverage of the mortgage and the mortgage amount and applicable interest, what kind of interest is being applied and how it is to be paid, rules for repayment of the mortgage including prepayment terms such as penalties and fees, provisions on the default of the borrower (if they stop paying the mortgage or breach the terms of the mortgage), and promises and agreements between the borrower and lender. SCMT terms will include all of these matters and more, including also but not limited to, a registration number for the SCMT registered at the Manitoba Land Titles Office.


SCMT are provided in nearly all mortgage matters in relation to real estate and are typically required to be provided to the borrower. Before financing can be completed and mortgage funds release to complete a purchase, the lender will typically require confirmation in writing that the SCMT have been provided and explained to a borrower by a lawyer.


While complex and admittedly, likely boring to a home buyer it is important that a buyer understand their SCMT and basically… all the reasons and ways that it is very sound legal advice to: pay your mortgage payments, pay on time, and do not violate any of the terms of the SCMT and mortgage agreements.



DISCLAIMER:

This article is presented for informational purposes only. The content does not constitute legal advice or solicitation and does not create a solicitor client relationship. The views expressed are solely the authors’ and should not be attributed to any other party. The authors make no guarantees regarding the accuracy or adequacy of the information contained herein or linked to via this article. The authors are not able to provide free legal advice. If you are seeking advice on specific matters, please contact Brendan Mahatoo. Please be aware that any unsolicited information sent to the author(s) cannot be considered to be solicitor-client privileged.


While care is taken to ensure the accuracy for the purposes stated, before relying upon these articles, you should seek and be guided by legal advice based on your specific circumstances. We would be pleased to provide you with our assistance on any of the issues raised in these articles.

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Q: When should you cancel your homeowner’s insurance policy after your property has sold?


A: When you have all of your funds in your bank account.


Maintaining your insurance on your property until you have your full balance of funds protects you in the event of something happening to the property before your funds are in.


As your lawyer I am to protect your legal rights, I advise strongly to maintain your insurance. You have an insurable interest in the property until your funds are in your account. The hope would be that if something happened to the property before you receive your funds that the buyer would make a claim to their insurance and you would receive your funds thereafter. However, if for whatever reason the buyer is unable to do this, imagine if their mortgage lender pulled their funding and left the buyer without funds to provide to the seller. In this instance as your interest in the property is maintained and your insurance as well, you can make a claim to your insurer and be compensated.


Relying solely on the buyer’s insurance is not a risk worth taking when the stakes are so high. It is my strong recommendation to be overly cautious when protecting one of your most valuable assets And so, to put it simply, do not take the risk of relying on others for your protection, rely on your own insurance and know that you can sleep easy with your funds protected. One month of a premium to your insurer is worth protecting the potential losses and legal issues should something happen before you have your sale proceeds in your account.



DISCLAIMER:

This article is presented for informational purposes only. The content does not constitute legal advice or solicitation and does not create a solicitor client relationship. The views expressed are solely the authors’ and should not be attributed to any other party. The authors make no guarantees regarding the accuracy or adequacy of the information contained herein or linked to via this article. The authors are not able to provide free legal advice. If you are seeking advice on specific matters, please contact Brendan Mahatoo. Please be aware that any unsolicited information sent to the author(s) cannot be considered to be solicitor-client privileged.


While care is taken to ensure the accuracy for the purposes stated, before relying upon these articles, you should seek and be guided by legal advice based on your specific circumstances. We would be pleased to provide you with our assistance on any of the issues raised in these articles.

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Buying a property with another person, whether they are a friend or spouse: How should we “take title?”


Shared Ownership of a property can happen in two ways, the distinction is incredibly important to reflecting each party’s interest and wishes for ownership of the property. The two ways are: Joint Tenancy and Tenancy in Common.


What is the difference? Well, it is great that you have asked. For example, while it may be awkward for your lawyer to ask, if you are buying the property together with your romantic partner, lawyers must ask – so… is this thing going anywhere? In a situation where you and your romantic partner take possession and title without defining your part of ownership each of you could be entitled to full ownership in the event of the death of the other. Joint tenancy with survivorship results in an automatic transmission of the title holder’s interest passing to the surviving person on title. Tenancy in common can allow for a divided interest to properly reflect ownership of the property.


By way of example, if you purchase a property and your relative or friend helps co-sign your loan to purchase the property but you have come up with the full down payment and will be making all mortgage payments, you may want your share of ownership to reflect this. As such, in this situation perhaps it would be wise for you to hold 98/100 interest in the property and your co-borrower to hold 2/100. It is important for lawyers to go over the ways to take title with clients and important for clients to note their specific arrangements.


While buying a property with a romantic partner or friend is an exciting time, it is also an important moment to ask who is contributing to what and how should this be reflected in terms of ownership interests in the property.  


When your lawyer asks, “how would you like to take title” please be sure to ask any and all questions to ensure that ownership of your property reflect your wishes and arrangements.



Author:

Brendan Mahatoo is an associate at Levene Tadman Golub Law Corporation. He completed his Juris Doctor (J.D.), Law at the University of Manitoba's Faculty of Law. He practices primarily in the areas of Real Estate (Residential and Commercial), Wills & Estates, and Business Law. He is most passionate about real estate, having dreamed of being a real estate lawyer since the age of five. Brendan’s client-focused approach has led to a growing and exciting law practice where his clients are served by the highest and most cost-effective services available. Originally from Kenora, Ontario, Brendan has always maintained a small-town community approach.

Brendan frequently presents on various topics relating to real estate law and is an avid volunteer in his neighborhood.

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What if I am unavailable to sign the documents in relation to the sale or purchase of a property?

A Power of Attorney may be what you need.


Author: Brendan Mahatoo


“I have just listed my property for sale and I need to relocate right away, how will I be able to sign documents when the sale is complete?”


“I have just purchased a property in Manitoba and I need to go back to my former Province/State right away, how can I sign the legal documents to complete the purchase?”


A great way to address your absence can be to create a Power of Attorney with your lawyer, appointing someone you trust to sign on your behalf. Moving is stressful as it is, finding a lawyer in another Province/State to witness your signatures, corresponding with your Manitoba lawyer, and sending documents back and forth can cause delays. To preempt issues such as delays, stress, missed possession dates, why not appoint a confidant of choice to sign on your behalf?  


Typically, in my practice if a client reaches out to me prior to their home being sold or their purchase being ready to sign, advising they will be out of the Province within the immediate future, I have suggested the Power of Attorney option. In my office on an expedient basis I can have a Power of Attorney completed for your signing prior to your departure. Once a Power of Attorney is completed it can be held on your instruction for use only in relation to signing documents pertaining to the sale or purchase of your property. It will be up to you as to whether the Power of Attorney will be destroyed or forwarded to you once the transaction is complete.


Author:

Brendan Mahatoo is an associate at Levene Tadman Golub Law Corporation. He completed his Juris Doctor (J.D.), Law at the University of Manitoba's Faculty of Law. He practices primarily in the areas of Real Estate (Residential and Commercial), Wills & Estates, and Business Law. He is most passionate about real estate, having dreamed of being a real estate lawyer since the age of five. Brendan’s client-focused approach has led to a growing and exciting law practice where his clients are served by the highest and most cost-effective services available. Originally from Kenora, Ontario, Brendan has always maintained a small-town community approach.

Brendan frequently presents on various topics relating to real estate law and is an avid volunteer in his neighborhood.

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I hunted down some recipes for Valentine’s Day. Apologies if the versions I suggested don’t work for any unique dietary restrictions you might have.  I found 3 recipes for breakfast, lunch, supper, and dessert, and I made sure that the varied in difficulty, so that no matter your skill level, you should be able to make something you are proud of.


Breakfast:


Easy:  Oatmeal - I recommend adding finely cubed apple, almond slivers, dried cranberries, a little vanilla extract, and a dash of maple syrup or brown sugar.

https://www.cookinglight.com/recipes/basic-oatmeal-recipe


Medium:  Pancakes - I recommend adding a spoon of cinnamon and a pinch or two of nutmeg and swapping out the sugar with real maple syrup.  Adding some finely cubed green apple or thin banana slices and chocolate chips is another great option.

https://www.allrecipes.com/recipe/21014/good-old-fashioned-pancakes/


Advanced:  Eggs Benedict - This one is really tricky to do properly.  I have found that the vinegar in the poaching water isn’t necessary, and don’t be worried if your water is boiling.  If you boil it, just make sure you take the pot off the element before you put the eggs in.  Before you put the eggs in, get the water spinning pretty fast.  If you use a chop stick to spin the water, you can keep spinning it softly after putting the egg in, and the eggs will better keep it's shape.  Be really careful not to pop the eggs.  A spaghetti scooper is the best tool for scooping the poached eggs out of the water, but make sure not to pop them.  This recipe technically uses cheater hollandaise sauce because the double boiler method of making the sauce is very tricky to do just right.  A trick for keeping the sauce at a good temperature longer is to put it into an insulated tumbler/thermos.

https://cooking.nytimes.com/recipes/1018626-eggs-benedict


Lunch:

Easy:  Mac & Cheese – I like to add paprika and white pepper to this one, along with a bit of mustard powder and some garlic powder.  The roasted red pepper and garlic blend from Costco is great for this.

https://www.allrecipes.com/recipe/11679/homemade-mac-and-cheese/


Medium: Creamy Potato Soup – Once again, I like to add paprika, white pepper, a little bit of mustard powder, and some garlic powder.  Bacon makes a huge difference, even just adding one piece to the whole pot completely tranfsforms the flavour.

https://www.cookingclassy.com/creamy-potato-soup/


Advanced: Vietnamese Vermicelli Bowl – They have a great BBQ pork at Youngs that can be added to this recipe.  Grilled chicken is another great option, and if you have the time, making some spring rolls takes it to the next level.  I love to add lots of peanuts to mine.  Oyster sauce is also a good addition.  Here’s the recipe for spring rolls https://www.allrecipes.com/recipe/245343/authentic-vietnamese-spring-rolls-nem-ran-hay-cha-gio/

Here’s the recipe for the vermicelli bowl. https://www.allrecipes.com/recipe/223529/vermicelli-noodle-bowl/


Supper:

Easy:  Chicken Parmesan with Alfredo - This one’s actually pretty simple, I don’t have any tweaks or suggestions.

Here’s the link for the chicken parm, https://www.allrecipes.com/recipe/223042/chicken-parmesan/

Here’s the link for the alfredo, https://www.allrecipes.com/recipe/22831/alfredo-sauce/


Medium: Home Made Pizza – This is a great one to make with someone. I like to add a little bit of liquid smoke to the sauce along with some Italian seasoning and some roasted red pepper and garlic.  Don’t worry too much about getting fancy with the cheese, pizza mozzarella is all that is really needed.  I like to bake the crust separately before putting the toppings on to make sure it cooks evenly and so I don’t get a soggy crust.  Cooking on a pizza stone or directly on the rack works the best in my experience, but be careful not to drop the pizza.  As a tip, Piazza De Nardi has some of the best tasting pepperoni for pizza inWinnipeg.

https://www.simplyrecipes.com/recipes/homemade_pizza/


Advanced:  New York Steak w/ Peppercorn Sauce & Snow Crab Legs and Twice Baked Potato –

Don’t worry too much if you aren’t able to find a New York Strip steak, but Tenderloin Meats, Miller Meats, and most other butcher shops should have them available.  The crab legs on the other hand can be a bit of trouble to track down at a reasonable price. Sometimes Sobeys has them in the freezer section that are pre-split which is very convenient.  The potatoes take the longest to cook, so you’ll want to start them first.  https://www.allrecipes.com/recipe/24332/ultimate-twice-baked-potatoes/


To cook the crab legs, steaming them for about 14 minutes seems to work very well.  Using the tines of a fork to lever the shell open is an easy way to get the meat out without having to get special tools.  Be careful not to stab yourself.


For cooking the steak, you’re on your own, people get way too fired up about different methods off cooking.  All I’m going to say is that I like to put some salt on my steak, rest it for a while, rinse it off, and then dry it very thoroughly with paper towel.  I like to brown it using butter in a pan, and then I let it finish in the oven.  For the peppercorn sauce, here’s a good, simple recipe.  I like to add garlic powder to this one.  https://www.recipetineats.com/peppercorn-sauce/


Dessert:

Easy: No Bake Cheesecake – My baba used to make cheese cake like this.  She used to add a little bit of pineapple to the cream cheese if she was using strawberry pie filling.  My favorite was always the blueberry pie filling though.  Make sure you do a really good job compressing the crust, if it’s not compressed enough it can fall apart.

https://www.allrecipes.com/recipe/49066/the-best-unbaked-cherry-cheesecake-ever/


Medium: Red Velvet Cupcakes – These ones are pretty straightforward to make.  I use a Ziplock freezer bag with the corner cut off to pipe the frosting on, although it’s not necessarily the prettiest way of doing it.  https://www.allrecipes.com/recipe/212429/red-velvet-cupcakes/


Advanced: White Chocolate Raspberry Trifle – This is a recipe that one of my Aunt’s makes from time to time that is absolutely delicious, but it’s also a bit of work and can end up turning out poorly if the raspberries are too wet. https://www.epicurious.com/recipes/food/views/raspberry-white-chocolate-and-almond-trifle-233432

 If you are going to use premade ladyfinger cookies, this recipe isn’t too tough to pull off.  Here’s a recipe for the cookies though if you want to make them yourself. https://www.allrecipes.com/recipe/10434/ladyfingers/

If you are going to roast the almonds yourself, be careful not to overcook them, it can happen very easily.  350 degrees Fahrenheit for 3-4 minutes spread on a cookie sheet.


I hope these recipes helped you.  I tried to pick ones that would be appropriate for all different levels of cook so that even if you aren’t the most experienced chef, you’ll still be able to make your loved one smile.  And don’t worry if you don’t have someone to share them with… after all, that means you don’t have to share with anyone! :D

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Advice from a Buyer(s) to Seller(s)


It’s been a minute since I blogged about anything, but since Dec 2018, I have sold 2 homes (1 primary residence and 1 rental I co-owned w my ex-partner) and bought one that I currently reside in.
Being on this side of the glass recently has reminded me of the expectations buyers have when they look at a home.  Here are my top 10 pieces of advice to you, my seller(s):
  1.  Please mow your lawn or shovel your path and maintain your yard overall…there is nothing less inviting than a foot long climb through the green stuff or passed mounds of pet droppings to get to the front door (and now I expect the inside to look the same).
  2.   Don’t smoke in your home or porch and if you did, paint your walls and replace the carpets.  It can be so bad that I have literally walked in the front door and walked right back out (w clients and as a recent buyer).
  3.   You can definitely live in your home, but having the dishes done and the clothes off the floor and in the hamper as it goes a long way in making me (and my clients) feel like I could live here.
  4.   Fresh paint (inside and out…see #2) makes everything feel new again…true story!
  5.   Finish all the little projects you have left until now (ie: patch the hole in the wall where lil’ Becky hit it with her hockey stick, add the last piece of baseboard on the LR wall, organize the basement and leave room for a buyer to dream of a rec room and or gym).
  6.   Clean the litter box EVERY SINGLE DAY…you know what I am talking about.
  7.   Unfortunately, yes, remove all the family photos and overly personalized wall art and de-clutter your space so it looks, well….wait for it…SPACIOUS to the new potential owner!
  8.   Set up each room (if possible) with its intended use items (bed in bedroom, desk and chair in office)…remember, less is more.
  9.   Leave receipts, disclosures, lists of repairs for the buyer to read and feel at ease with your home.
  10.   Scents are everything (see #2 and #6) so if you have a diffuser or dehumidifier (for the moist basements), use them prior to showings.
There are more, but these were my top of mind suggestions at the time of writing.  You can certainly contact me to consult on other questions or concerns you have before we list your home.

- Jennifer Berthelette
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  “People rarely succeed unless they have fun in what they are doing.” —Dale Carnegie

The idea of living a simplified, uncluttered life with less stuff sounds attractive to many. They have considered the benefits of owning fewer possessions: less to clean, less debt, less to organize, less stress, more money and energy for their greatest passions. They are ready to declutter but some get quickly tripped up by the very next question… where in the world do I begin?

 

Many begin to feel overwhelmed, anxious and defeated around the idea of decluttering their homes. That’s too bad. The decluttering journey doesn’t need to be as painful as some make it out to be. In fact, there are a variety of people who have come up with some pretty fun, creative ways to get started.


Consider this list of 10 creative ways to declutter your home:



1. Give yourself 5 solid minutes. Leo Babauta at Zen Habits recommends 18 different 5-minute decluttering tips. Pick one today that sounds appealing. Or better yet, pick a random number 1-18, read the specific tip, and commit 5 minutes to completing it.


2. Give away one item each day. Colleen Madsen at 365 Less Things gives away one item each day. Over the past several years, she has experienced quite a transformation simply reducing her stuff one day at a time.


3. Fill one trash bag. Early in our journey towards simplicity, one of my favorite decluttering techniques was to grab a simple large trash bag and see how quickly I could fill it. While much of what I collected was trash, this could also be used to fill a bag for Goodwill.


4. Try the Oprah Winfrey Closet Hanger Experiment. While this idea didn’t originate with Oprah, she was the one to help give it notoriety. To identify wardrobe pieces to clear out, hang all your clothes with the hangers in the reverse direction. After you wear an item, return it to the closet with the hanger facing the correct direction. After six months, you’ll have a clear picture of which clothes you can easily discard. This experiment could also be applied to a number of clutter areas in your home (cleaners, toys, linens, tools, hobbies and craft items).


5. Make a list. Dana Byers recommends creating a list of places/areas in your home to declutter beginning with the easiest… which doesn’t sound all that creative until she adds this note, “When you’re done with one area, STOP.” This list could be made as easy or difficult as you desire based upon what areas of your home make up the list (drawers/closets/rooms). And could easily fit into any schedule.


6. Take the 12-12-12 Challenge. A simple task of locating 12 items to throw away, 12 items to donate, and 12 items to be returned to their proper home can be a really fun and exciting way to quickly organize 36 things in your house. On more than one occasion, this challenge actually became a quick competition between my wife and me… and your kids don’t have to be too old to participate as well.


7. Change your perspective. Unclutterer offers a powerful approach to decluttering when they offer a number of strategies to help you change your perspective and begin to notice some clutter you may have missed. Among their ideas: take photos of your house, invite over a toddler, or ask the boss to meet in your office. With all of the examples, the hope is to cause you to see your home in a new light.


8. Experiment with numbers. For example, Courtney Carver invented Project 333 to challenge people to wear only 33 articles of clothing for 3 months. If 33 articles of clothing seems too little, adjust the rules as you need by picking a new number. The important thing is to challenge yourself to live with less and see what you learn from the experiment.


9. Use your imagination. Psychology Today recommends using your imagination to help declutter objects that may seem difficult to remove. Try asking yourself unique questions like, “If I was just buying this now, how much would I pay?” These creative techniques may prove to be very helpful for some with difficulties removing unneeded clutter.


10.The Four-Box Method. As we first set out on our journey to minimalism, this was the technique most often used in our home. As I set out to declutter an area, I brought four boxes: trash, give away, keep, or relocate. Each item in every room was placed into one of the four categories. No item was passed over. Each was considered individually. Some projects took an hour… others took days or weeks. But the technique and principles remained the same.

No matter what you choose to help you get started – whether it be one of these ten or one of countless others – the goal is to take your first step with excitement behind it. There is a beautiful world of freedom and fresh breath hiding behind that clutter. How you remove it is up to you.

 

Written by: JOSHUA BECKER (Jan 2016)

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Deposits

-accompanies most, if not all, offers to purchase

-can be as little as $1000 and as big as $20,000+ (IMO usually $3000-5000 works) and are written by cheque (made payable to listing brokerage) and included with offer to purchase 

-is deducted from the total purchase price/downpayment

-shows sincere interest in completing the purchase
-cashed only on the accepted offer and usually the next business day and held in trust
-completely refundable without deduction as long as the condition benefiting the buyer (ie:obtaining mortgage financing by a specific date and time) has not been satisfied

PDS (property disclosure statement)

 

-list of 19 questions pertaining to the property condition answered by the seller to the best of their knowledge
-can be requested as a condition benefiting the buyer, although usually waived if provided by seller already, if an inspection has already been done or if in competition with other offers


Mortgage Financing

-the most important condition benefiting a buyer

-protects the buyer from losing the deposit if a mortgage cannot be obtained on a given property due to overpriced offering
-without this clause to protect you, if you offered a price for the property and the bank did an appraisal and found that the property was not saleable at that price, they would reject that mortgage application and you would have to pay the difference between their appraisal price and the offer price

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