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Tips for the First-Time Home Buyer

Wed, 25 Apr by Pauline Relkey

When venturing into the world of home ownership, first-time buyers often find themselves having to make important, fast decisions in what feels like a surreal situation — after all, it might have only been a few weeks since owning a home seemed more like a far-off daydream than an immediate reality. A few common sense tips will help you navigate these unfamiliar landscapes as you move towards one of the biggest financial decisions of your life.

1. Get pre-approved
Though a pre-approval isn’t a guarantee that you’ll get a mortgage when you’re find a property, having one can give you a firm grasp on what you can afford before you start looking. A pre-approval from your bank or lender will save you time by narrowing your search to a more precise selection of homes, and this, in turn, can protect you from the all-too-common disappointment that follows setting your heart on a house you can’t afford.

2. Don’t expect your standards of living to change
It’s bound to happen: you see a house that maxes out your budget, but you imagine you can make it work by cutting out things like morning coffees, cellular data and cable TV. Remember, ‘roughing it’ for the sake of your house quickly loses its charm, and you’ll soon regret the lack of wiggle room for things like new furniture, redecorating, or unexpected repairs. Don’t regret your first home — avoid becoming ‘house poor’ by staying below the upper limit of what your bank is willing to lend you.

3. Make a list and check it as many times as it takes
Each property you consider will have its own unique combination of pros and cons, and going through them can feel a little like comparing apples to oranges. Don’t expect to stay clear-headed when the house with the poor walking score has the kitchen of your dreams; instead, stay on track by building a list of “must haves” and “nice to haves.” Though your list might evolve over time (especially if the “must haves” are rare for your price range), having a set of self-imposed guidelines can keep your search on course when you’re feeling overwhelmed by options.

4. Don’t confuse “first home” with “forever home”
Most first-time buyers start out a little starry-eyed, imagining that new home will be stylish, spacious, efficient … basically, everything they’ve been dreaming of. In reality, being able to afford a house that has everything you want is pretty rare in the first go-round, which can make you feel so discouraged you start closing yourself off to the available options. Remember, your ‘starter home’ doesn’t have to meet all the criteria of your ‘dream home,’ and the equity you’ll build for the next few years will get you closer to your goal.

With so much new information to absorb, steps to take, and decisions to make, buying a first home can feel like a rollercoaster ride. It’s important not to lose your head throughout all of it. Taking a few steps to keep your expectations rooted firmly in reality can help you glide through the process and feel confident in your final decision.

Saving $ while Shopping

Mon, 05 Feb by Pauline Relkey

I just learned something new this past weekend. If you go to buy something and the scanned price is higher than the shelf price, you are entitled to get a discount, either free or $10 off.

On behalf of Canadian retailers, RCC manages the Scanner Price Accuracy Code.
To file a complaint under the Scanner Price Accuracy Code, please contact: 1-866-499-4599.

The Scanner Price Accuracy Voluntary Code (“the Code”) evolved from the collaborative efforts of Retail Council of Canada (RCC), the Neighbourhood Pharmacy Association of Canada and the Canadian Federation of Independent Grocers (CFIG). These associations are composed of national, regional and local retailers selling a wide assortment of general merchandise, as well as pharmaceutical and food products.
This diversity in the Canadian retail environment underscores the advisability of a voluntary code that can be widely used.
The Scanner Price Accuracy Voluntary Code has been endorsed by the Competition Bureau.

PURPOSE
The purpose of the Code is to:
1. Visibly demonstrate retailer commitment to scanner price accuracy;
2. Provide retailers with a consistent national framework for dealing with scanner price accuracy issues; and
3. Provide the retail industry with a mechanism for consumer redress in scanner price accuracy cases, to be managed by the industry through an industry committee.

SCOPE
The Code applies to all scanned Universal Product Code (UPC), bar coded, and/or Price Look Up (PLU) merchandise sold in stores, with the exception of goods not easily accessible to the public (e.g. prescription drugs and behind-the-counter cosmetics), and individually price-ticketed items.
The Code does not apply in provinces or territories where existing legislation or regulation covers these concerns.
A retailer adopting the Code must abide by the policies outlined below.

1. THE ITEM FREE SCANNER POLICY
Retailers will implement an Item Free Scanner Policy as follows:
1.1 On a claim being presented by the customer, where the scanned price of a product at checkout is higher than the price displayed in the store or than advertised by the store, the lower price will be honoured; and
(a) if the correct price of the product is $10 or less, the retailer will give the product to the customer free of charge; or
(b) if the correct price of the product is higher than $10, the retailer will give the customer a discount of $10 off the correct price.
1.2 Where the same error recurs in scanning multiple units of a given product during a given transaction, the retailer will correct the scanning error in respect of each unit of the given product purchased, but is obliged to apply the policy set out in 1.1 (a) and (b) in respect of only one of the units.
1.3 Paragraph 1.1 only applies after the final sale price of the purchased item has been displayed at the checkout, including relevant rebate, discount or promotional coupons.
1.4 To be eligible for the Item Free Scanner Policy, the product must match the product description on the corresponding shelf tag.
1.5 The Item Free Scanner Policy does not apply if the barcode or shelf label for a given product has been tampered with.
1.6 The Item Free Scanner Policy does not apply to a product where, in respect of that product, the law:
(a) establishes a minimum price (or specified price); or
(b) does not permit the retailer to offer a discount or a rebate.
1.7 The Item Free Scanner Policy does not apply to a product that government legislation or regulation does not permit to be provided free or below a minimum price.
2.0 CORRECTION OF ERRORS
2.1 Once a scanner pricing error is brought to the attention of the retailer, appropriate steps should be taken as quickly as possible to correct the source of the error.
2.2 When a retailer cannot immediately correct a scanning error in respect of a product, it will post a correction notice in a conspicuous place. Once such a notice has been posted, the Item Free Scanner Policy is no longer in effect in respect of the relevant product.
3.0 RETAILERS’ RESPONSIBILITIES
3.1 All retailers will apply the Code, consistent with the philosophy and intent. In situations where retailers believe that customers’ requests are beyond the Code’s intent, these situations will be discussed with sponsoring Associations to ensure consistent application and remedies.
3.2 Retailers will establish appropriate internal policies and procedures for maintaining a high level of scanner price accuracy.
3.3 Retailers will display the sign attached hereto as Attachment 1 at all store entrances or in a conspicuous location near the store entrances. Retailers will display the sign attached hereto as Attachment 2 at each checkout station within their stores.
3.4 Retailers will train staff on the Code generally and the Item Free Scanner Policy in particular.
3.5 Retailers will have copies of their current advertising material (e.g. flyers, etc.) available and readily accessible for customer reference.
4.0 SHELF LABELS
4.1 For those products that are not individually price-ticketed, a clear and legible label must be affixed to the shelf next to the product.
4.2 The shelf label (peg label, basket label) must contain an accurate description of the item and shall include the price of the item or, where the item is sold at a price based on a unit of measurement, the price per unit of measurement.
4.3 The price on the shelf label must be in at least 28-point bold type print, and product description in at least 10-point type print.
4.4 A sign for a given product within the retailer’s premises which is not displayed with that product (i.e., is displayed elsewhere within the retailer’s premises), shall comply with the minimum requirements described above and be at least 38.71 sq. cm in size.
5.0 CUSTOMER RECEIPTS
5.1 The cash register receipt provided to the customer for a transaction must contain, at a minimum, the following information:
the retailer’s name;
the date of the transaction;
the nature of each item purchased and/or any distinguishing mark (subject to the system’s limitations); and
the price and description of each purchased item.
6.0 CODE MAINTENANCE AND ADMINISTRATION
6.1 A Scanner Price Accuracy Committee (“the Committee”) will be created to review the Code on an annual basis and to recommend required amendments. The Committee should be composed of representatives of the Neighbourhood Pharmacy Association of Canada, CFIG, RCC and the Consumers’ Association of Canada (CAC).
6.2 The Committee should be responsible for keeping the Code up to date.
6.3 The Committee should meet at least twice a year in order to supervise national implementation of the Code and consider any recommended changes to it.
6.4 The Committee should create sector specific panels (i.e. Grocery, Drug or General Merchandise). Each panel should:
(a) be composed of representatives of the respective trade associations and the CAC;
(b) review any outstanding complaints arising from the Item Free Scanner Policy; and
(c) recommend ways of resolving the complaint and provide relevant direction to the appropriate contact person.
6.5 The Committee shall prepare an annual report for the Competition Bureau concerning the number of complaints received and their resolution.
7.0 CONSUMER COMPLAINT PROCESS
7.1 When a scanner price error occurs, the cashier will be authorized to implement the Item Free Scanner Policy.
7.2 A customer dissatisfied with the cashier’s decision will be directed to the store manager or supervisor.
7.3 If the store manager or supervisor cannot resolve the dispute, the customer should be directed to a designated company representative.
7.4 The time period for considering a particular complaint should be left to the discretion of the retailer. However, generally complaints should be resolved as expeditiously as possible and, in any event, no later than one month after the error is alleged to have occurred.
7.5 In the event that the dispute between the retailer and the consumer cannot be resolved:
(a) either party may refer the complaint to the Scanner Price Accuracy Committee; and
(b) if the dispute remains unresolved it may, at the request of either party, be referred to a designated arbitrator on a cost recovery basis.

Neighbourhood Pharmacy Association of Canada Supporting Companies:
Shoppers Drug Mart
The Groupe Jean Coutu (NB and ON only)
Lawton Drug Stores
London Drugs
Lovell Drugs
Pharmasave BC
RCC Supporting Companies:
Costco Wholesale Canada Ltd.
The Home Depot Canada
Canadian Tire Corporation Ltd.
Toys r Us
Rona
Wal*Mart Canada Corp.
Giant Tiger Stores Ltd.
The North West Company
Best Buy
2 Home Hardware franchisees
Canada Safeway Limited
The Great Atlantic and Pacific Tea Company of Canada Limited
Loblaw Companies Limited
Sobeys Inc.
Metro Inc.
Thrifty Foods
Co-op Atlantic

CFIG Supporting Companies:
Thrifty Foods
Overwaitea Food Group
The Harry Watson Group
Longos Brothers Fruit Markets
Federated Co-operatives Limited
+ 1374 independent locations

The data included on this website is deemed to be reliable, but is not guaranteed to be accurate by the Association of Regina REALTORS® Inc.. The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license.