issue 1 year 16 Are you in the group? Gorgeous...

how old?who caresbe inspired by Craig Bean’s story

Gorgeous homeshire a designer or DIY

Are you in the group?

#calgarianlifemagazine issue 1 | year 16

m a g a z i n e

409 – 3rd Street SW • 403.266.1669 • jvairanderson.com

ROLEX OMEGA TAG HEUER PARMAGIANI STEPHEN WEBSTER MIKIMOTO POMELLATO HENRICH & DENZEL WELLENDORFF

editor:Robert Jansons [email protected]

graphic design:Cream Coco [email protected]

photography:Zoon Photography, Dreamstime, various

contributers:Rick Doman, Amy Kohen, Mark Sawyer, Angie Steinburg, Whitney Titheridge, Sharon Aitken

address: Coldwell Banker Mountain Central4620 Macleod Trail SW. Calgary AB T2G 5E8

[email protected]

editor’s note

Welcome to the inaugural issue of the rjgroup magazine. Many of you know me as your realtor and now I invite you into my

amazing world, which will be showcased in this magazine. Real estate is a dynamic, fluid business filled with loads of adventure, excitement and incredible people that come into your life. I’m fortunate to have gained some of the greatest friends in my life through my dealings in real estate.

This business is fun. Over the years, I have formed an exclusive group of clients, service providers and friends. We all love and embrace the Calgarian lifestyle and I am going to share it with you. In this magazine, we will meet locals, visit businesses, get advice and explore local eateries. We will mix in shopping and design trends, along with a social page featuring events we have attended around the city.

The art of real estate is a serious business, but at no means does that exclude creativity and entertainment. We all need to let loose, sit back and enjoy the life around us at times. Our priority remains in buying and selling homes. This magazine helps as a marketing platform to sell your home faster. If you would like your home in the featured listings section contact me and I will add you to the rjgroup. Or if you are interested in buying an associate or myself will help you find your perfect home.

I hope you enjoy reading our magazine and it makes you want to become part of the rjgroup! I want to encourage all comments, feedback and suggestions. I look forward to hearing from you.

All the best,

Robert JansonsEditor

5 | Economy: opinion

8 | Inspire: Craig Bean

10 | Eats: 500 Cucina

11 | Recipe: sambuca prawns

14 | Palm Desert Homes for sale

16 | Front Page Feature

20 | Calgary Homes for sale

25 | Fashion Tips

30 | Home Buying Advice

32 | Legal Advice

RJGroup Magazine showcases Calgarian’s lifestyle while incorporating beautiful homes for sale. It is not intended to solicit buyers or sellers under contract.

disclaimer

The RJGroup is affliated with

Coldwell Banker Mountain Central

issue 1 | year 16m a g a z i n e

Angie Steinburg403 852 6443

Switch your mortgageto Scotiabank®

Get up to $1,200 to cover switch costs

It’s a great time to switch to Scotiabank and get a mortgage that’s right for you.You deserve a mortgage that gives you flexible options to help manage your totalfinancial health.

Special Offer: When you choose a Scotiabank mortgage we’ll cover up to $1,200 of yourswitch fees*. All you need to do is provide your mortgage information—the Switch to Scotiabankprogram takes care of the rest for you.

Ask us how the following can benefit you:

• Being mortgage-free fasterYou’ll be surprised how even a few simple payment changes can takeyears off your mortgage and save you thousands of dollars in interest.

• The Scotia Total Equity® PlanLeveraging the equity in your home can really help put you incontrol of your finances today and tomorrow.

As a Scotiabank Home Financing Advisor I would be please to connect with you whereor when it's convenient to discuss the advantages of a Scotiabank mortgage.

* Some conditions may apply. All mortgage applications are subject to meeting Scotiabank’s standard credit criteria, residential mortgage standards and maximum permitted loan amounts. Offer only availableon transfers of existing mortgages from another lender or financial institution to The Bank of Nova Scotia. Prepayment charges with your existing lender may be applicable if the mortgage has not reached itsmaturity date. This program may be changed or withdrawn at any time without notice and may not be combined with any other discounts, offers, or promotions. The minimum mortgage amount is $100,000and the new mortgage must be set up as a closed fixed rate mortgage with a 3 year term or greater or, a closed variable rate mortgage with a 5 year term. Scotiabank will pay a maximum of $800 to theappropriate service provider to cover mortgage closing costs for services ordered directly or approved by Scotiabank. This amount will be treated as cashback and will be repayable to Scotiabank if the mortgageis assumed, paid out, transferred, or renewed prior to the expiry of the mortgage term. The cashback amount may appear as an additional charge payable in any discharge or renewal statement, and will becalculated on an even prorated basis using a standard formula. Scotiabank will also cover up to a maximum of $400 towards any discharge or assignment fee (other than any prepayment charges) charged bythe other financial institution in connection with the mortgage transfer (not applicable in Quebec). The mortgage application must be received by June 30, 2016 and the mortgage must be funded within 120days of the application date. ® Registered trademark of The Bank of Nova Scotia

Angie Steinburg403 852 6443

Alberta has an opportunity to diversify as oil and gas prices plus demand recover. Oil and gas along

with farming and forestry are key sectors of the Alberta economy. Commodity markets generally go in trends, in 2008 we saw a global deflation trend started followed by a significant global economic downturn. The U.S and China shortly after the downturn implemented large stimulus measures, which created a weaker USD and stronger commodity markets. The recovery lost some momentum starting in 2014. The USD started to strengthen, followed by a decline in many commodities. Deflation trends and slower global growth emerged once again. We may be through the worst of this with the recent gains in most commodities, hopefully we see the global economy slowly regain stability. The weaker CAD is helping Canadian commodity and manufacturing companies to lessen the negative impact of lower commodity prices. Many other commodity-producing countries also have weaker currencies against the USD, which allows those countries to be competitive in global markets.

Alberta has tremendous opportunities to diversify its economy. Examples are: Calgary has an oversupply of office space. Calgary along with other parts of Alberta has reasonable housing costs when compared to major centers

like Toronto and Vancouver. Alberta has tremendous skilled labor. Calgary has people in engineering, accounting, technology, and trades to name a few. Calgary could become the Silicon Valley of Canada. Provincial and Municipal governments should focus on concrete policies to attract investment. The recent increase in corporate taxes if reversed may attract more head offices and jobs.

Having been in the Global Commodity business for over 30 years and dealing with many countries around the world, I believe Alberta should have more “open for business” policies. We could then see the economic future turn around. With seven billion people on earth, the opportunity to attract investment and export products is tremendous. The key is having positive policies to do so. Without a detailed understanding of the global economy, Alberta like other Provinces could continue to lose out on investment and jobs to other countries, where wages are lower, and environmental policies are not always on a level playing field.

An example of a potential opportunity for Alberta was the recent decision to phase out coal, without a detailed analysis of potential alternatives. In Europe and the UK rather than closing all coal plants, an idea was developed

Alberta:land of opportunites

continued on page 7

our economy

opinion piece

#calgarianlifemagazine 5

coldwellbankerpreviews.comGlobal Is The Difference

*As of Dec 2015

© 2016 Coldwell Banker Real estate llC. all Rights Reserved. Coldwell Banker Real estate LLC fully supports the principles of the Fair Housing act and the equal opportunity act. Each office is independently owned and operated. Coldwell Banker, the Coldwell Banker logo, Coldwell Banker Previews International and the Coldwell Banker Previews international logo are registered service marks owned by Coldwell Banker Real estate LLC in the United States and by Coldwell Banker LLC in Canada. Each sales representative and broker is responsible for complying with any consumer disclosure laws or regulations. In Canada, any use of the term “sales associate” or “agent” herein shall be replaced with the term “sales representative”.

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to help reduce carbon emissions. Governments in that region offered incentives to coal plants, to mix coal with wood pellets to reduce carbon emissions. Many of the largest European and UK energy producers are now mixing coal with wood pellets while reducing carbon emissions. No study to my knowledge was conducted to see if this would have worked prior to the announcement to close down coal plants. This could be costly to Alberta taxpayers and increasing further the debt of Alberta.

Another example is the negative impact of the Mountain Pine Beetle (MPB), which started in the B.C interior about two decades ago. The MPB has expanded into Alberta and also into several U.S states. The dead or dying forests emit carbon, where healthy sustainable forests absorb carbon, thus the importance for a healthy sustainable forest industry. An idea for Alberta forestry industry would be to build more wood pellet plants using up forest residuals, hopefully these wood pellets can be considered to mix in coal energy plants to reduce carbon emissions, rather then close them down. This may save the Alberta taxpayers a lot of money, and help with the negative impacts of the Mountain Pine Beetle. The MPB epidemic is a significant environmental issue crossing into Alberta and into the U.S. The environment can become a passionate debate, but it is very important to ensure proper science and math is used when determining environmental policies.

The world is now a global economy. Alberta needs to consider having a global level playing field in many areas, including environmental policies. If not we may continue to lose jobs and investments to other parts of the world, where labor costs also can be significantly lower then those in many developed countries.

Rick Doman, former CEO & director of Western Forest Products. Also, founder of EACOM Timber Corporation, where he was CEO & then Chairman.

Contributing writer


My purpose is… facilitating self-worth and assisting people in living their lives with dignity.

“

8 rj magazine issue 1

Q: What got you into being an athlete? A: Sport has been part of my entire life. Growing up in South Africa, it was mandatory to play sport in elementary school and high school. These sports included, soccer, rugby, water polo, track and field, cross-country running and swimming. By the age of 12, I entered my first 8 km road race and continued recreational road running until I discovered triathlon when I was 18. It was a natural fit for me.

Q: Tell us about the Maccabiah games and what it was like to win? A: The World Maccabiah Games is held every 4 years in Israel. It is basically an Olympic games style event for Jewish athletes complete with opening and closing ceremonies. Triathlon was a debut sport in 1993, which was the year I competed. Winning the gold medal was such an amazing and powerful experience. Even after 23 years, I still reflect on the experience and draw on some of the euphoric moments that I felt during the race.

Q: We need to understand fully, why you plan on competing in the Maccabiah games again? 25 years later! A: After I returned to Canada from racing in Israel and England (World Championships) in 1993, it was imperative that I found employment as I had just immigrated to Canada in May of that year. Earlier this year, one of my teammates was elected as the captain of the Australian Triathlon team for the 2017 games. I am as almost as fit now (maybe not as fast) as I was before so it would be a great opportunity for a reunion and compete in an amazing event 25 years later except this time I will represent Canada instead of South Africa.

Q: Tell us what a day in your life entails? A: I own a very busy medical supply company and I am a single dad, so my days are very busy managing my work and home life. From a training perspective, I try workout at least 5-6 days per week, which is normally done in the early mornings before work.

Q: Name some things you currently do in your training that you contribute to your success? A: Over the years, I have naturally tried many different training programs and have worked with several coaches. Each program

and coach has added in some part to my success. As I get older, I have discovered that I just don’t recover as fast as before. I believe that my current and future successes will depend on the way I train that is age appropriate. The plan is to exercise effortlessly under the guidance of my coach Grant Molyneux. In addition to that, proper diet and lots of sleep are critical. Finally, I recently incorporated yoga into my training plan, which has been extremely beneficial in creating balance between mind and body.

Q: What is your ultimate triumph? A: Being the best me that I can be… always!

Q: You are in great shape! What is your diet like? Any tips? A: Effortless exercise is designed in such a way that you re-tool your body to learn how to use fat as your primary energy source rather that glycogen. My diet is a high protein, high fat, (good fats), low carb/sugar and includes lots of vegetables. I also do my best to limit all grains due to the high carb component and grains have an inflammatory response to the body.

Q: Do you have any recommended reads online or in print? A: Effortless Exercise by Grant Molyneux. Primal Endurance by Brad Kearns. Age is just a number by Dara Torres. All books or papers by Dr. Phil Maffetone

Q: Do you have a saying or motto that you live your life by? A: My purpose is… Facilitating self-worth and assisting people in living their lives with dignity

Q: Where do you draw your inspiration? A: My two amazing children and my desire to succeed in all areas of my life.

In every magazine we will do a Q&A with someone who inspires us. In this issue we met with Craig

Bean. 25 years after winning his first Maccabiah games triathlon he plans on returning! We are going to follow him on his journey. Stay tuned...

people who inspire

& Craig BeanQ A with


500 Cucina is a casual Italian dining establishment located in the heart of Inglewood, Calgary. Founded in 2005, Chefs Gennaro Silvestri and Rocco Bartolotti revolutionized their restaurant from one of Calgary’s first food trucks to the beloved eatery it’s known as today.

Living their dream after turning their concept into a reality, the passionate team at 500 Cucina serves authentic Italian fare with a contemporary twist. Bringing only hormone-free meats to the table and believing in organic greens and fresh ingredients, their food is not only delicious, but honest. Produce is shopped for daily, all doughs and sauces are made fresh in-house, and an extensive and carefully-curated wine list compliments the menu.

500 Cucina is family friendly, caters to gluten-free lifestyles, and dedicated to supporting the Calgary community. Every Saturday night, local live musical guests are featured, adding to the atmosphere and celebrating art and expression here in our city.

With an open kitchen and design layout, seating for over 100 people plus an additional patio, this local watering hole welcomes friendly gatherings, date nights, family get-togethers, and is a favourite for celebrations and occasions.

Visit 500cucina.com to view the full menu, make a reservation, and check out upcoming live music nights.

Local eateries

It’s deliciousIt’s happeningIt’s well worth a visitIt’s 500 Cucina

The rjgroup gives 500 Cucina 5 stars for it’s ambience, pricing, food quality & friendly staff.


MethodPreheat a large frying pan with enough olive oil to cover entire base.

Mix prawns, garlic, chili flakes, Italian parsley, fennel seeds and 3 tablespoons of olive oil into a bowl.

Once oil is heated, place entire contents of the bowl into the pan.

Continue to stir prawns consistently once they are in the pan to avoid sticking and create even cooking.

Once prawns start to become pink in colour on both sides, add the white wine.

Allow the wine to reduce on high heat.

Once wine starts to become thicker in consistency add your Sambuca to the pan. *Be cautious, as the Sambuca will ignite, creating large flames.

Continue to stir prawns for approximately 1 minute, until the flames disappear.

Prawns are now ready to be plated in serving dish of your choice.

Garnish with fresh chopped parsley.

Serve and enjoy while hot.

Buon appetito!

Ingredients24 prawns

1 tablespoon minced garlic

2 tablespoons chili flakes

2 tablespoons fresh Italian parsley

2 tablespoons of fennel seed

2 oz white wine

2 oz Sambuca

olive oil

SAMBUCA PRAWNS found at 500 Cucina


Recent Scotiabank Poll Reveals Canadians’ Strong Propensity to Secure Mortgage Pre-Approval - A recent

Scotiabank poll revealed that 61% of Canadians selling a house agree they would only consider offers from potential buyers who had been pre-approved for a mortgage. The poll was conducted by Leger Marketing during the busy fall home buying/selling time.

The poll also revealed:• More than two-thirds of Canadians (69%) say they are

likely to get pre-approved for a mortgage before they start shopping for a new home.

• An overwhelming majority of Canadians (83%) agree that being pre-approved for a mortgage makes an offer more enticing to sellers and adds to the buyers’ negotiating power.

“Building a financial plan, and getting pre-approved for a mortgage can help to ensure you are prepared for the important decisions that go along with making an offer -- or even just shopping -- for a new home,” says David Stafford, Managing Director, Real Estate Secured Lending at Scotiabank. “It’s not all about the rate, the lowest monthly payment, or the highest range of budget you can secure. A knowledgeable financial advisor will help you see beyond your immediate needs to ensure you select the right mortgage option and set you up for success.”

Additional national poll results include:• The majority of Canadians (62%) agree that the best

advantage of a mortgage pre-approval is helping to determine their maximum budget.

• 45% of Canadians say that the biggest advantage to getting pre-approved for a mortgage is understanding down payment requirements/monthly mortgage amounts.

The poll also revealed regional consumer insights by province, shedding light on the unique attitudes towards pre-approvals from Canadians across the country.

Regional poll result highlights include:• Albertans are the most likely (81.9%) of all Canadians

to say they are likely to get pre-approved for a mortgage before starting to shop for a new home (and 12.8% more likely than Ontario residents to do so)

• Just over half (59.4%) of Quebec residents say they are likely to get pre-approved for a mortgage before starting to shop for a new home

• When compared to those in Quebec, those in Manitoba and Saskatchewan are more likely to agree (69.4%) that if they were selling their home, they would only consider offers from potential buyers pre-approved for a mortgage

Canadians are encouraged to visit the Scotiabank Mortgage Centre for more information about the home-buying process, mortgage options and how to contact a Scotiabank advisor. www.scotiabank.com/mortgages.

Angie SteinburgHome Financing Advisor F.I.C.B.Scotiabank 403-852-6443

mortgage advice

About the Survey:The Scotiabank Poll was conducted by Leger Marketing. The online survey of 1540 Canadians was conducted between Monday, September 28, 2015 and Thursday, October 1, 2015, using LegerWeb. A probability sample of the same size would yield a margin of error of +/- 2.5%, 19 times out of 20.

A more STRATEGIC way of thinking before buying a house!Buying or Selling a Home? Don’t Underestimate the Value of a Mortgage Pre-Approval


[email protected]

Palm Desert

explore with us

introducing our US partners listings

Coldwell Banker Residential Brokerage72605 Hwy 111Palm Desert, CA 92260

“For more detailed information on these and other amazing Desert area properties, please contact [email protected]”


4 Silver Circle, Rancho Mirage - Sterling Cover

$1,100,000

MLS: #216004234 Rare find in the heart of Rancho Mirage! One of 12 homes on Silver Circle, custom built with superior contemporary quality construction by John Turnock, respected builder of quality custom homes within the finest communities! Popular great room floor plan flows seamlessly to the entertaining backyard complete with mountain views, over sized covered patio with lounging area, powered awning, outdoor shower, large custom swimming pool & spa, perfect for the swimmer, pool party, or volley ball PLUS a putting green & sand trap to improve your game! Full time playground or winter retreat this custom home is stunning with 12’ ceilings & limestone floors. Ideal location in central Rancho Mirage, this home has it all! Minutes from fantastic shopping, dining & golf.

12 University, Rancho Mirage - Ivy League Estates

$825,000

MLS #215033712 - Wow, major price cut great value & turnkey furnished! Contemporary 5BR/5.5BA w/detached Casita, 3 car garage is the perfect full time playground or winter retreat. walls of glass frame your views of the backyard with pool & spa! Located in Ivy League Estates in the heart of Rancho Mirage, walking distance to popular river gathering place for fine dining, theater & shopping & Eisenhower Medical Center is nearby. Set on over 1/3 Acre with west mountain views & Built in BBQ! This home is ready to move into and enjoy! 14 ft. ceilings grace your entry into this highly sought after open great room floor plan. This home boasts a newly designed gourmet kitchen with stainless steel appliances, walk in pantry, breakfast nook & bar height seating opening to great room.

72116 Clancy Ln, Rancho Mirage

$1,699,999

MLS: #215010722 - 5 bedrooms are located within 3 separate structures making it the perfect home for entertaining friends or family or big party! Central to the estate is a large salt water pool, spa & BBQ island, complete with refrigerator & smoker. One casita (featuring three walls of glass) is currently being used as a gym but large enough to be a yoga classroom or 2 bedroom suite. The 2nd casita contains 2 bedrooms, living room, fully equipped kitchen, fire place & 2 car garage bringing the total to 5 for the car enthusiast, in addition to RV parking. The 100+ solar panels keep the utilities low.Welcome to Clancy Lane, the Beverly Hills of the Palm Springs valley. This 5062 sq ft contemporary show piece with 12’ ceilings, marble flooring & granite throughout is located on a .64 acre lot.

77200 Avenida Arteaga, La Quinta - The Enclave

$1,395,000

MLS: #215031486 Located in a private celebrity retreat on the grounds of the Waldorf Astoria’s historic La Quinta Spa Resort & Club! This striking, secluded custom home is located at The Enclave, a small gated community of 32 luxury homes on the 12th fairway of the La Quinta Resort Mountain Course. Privacy, security & serenity make this mountain view home a rare beauty. The open floor plan embraces the spectacular mountain view with a spa that waterfalls into the swimming pool. Outdoor living area & lush landscaping make this 3 bedroom, 3.5 bath home the perfect place for entertaining or relaxing. The designer-decorated and FURNISHED home also includes a media room, formal dining room and eat-in kitchen. Enjoy world-class amenities at the exclusive retreat!

Note: Very exclusive private community. Clint Eastwood owns a home on this street.


The simple truthDesigner Amy Koehn gives us an insight into the interior design of her beautiful home

I think a space should really be a balance of beauty and playfulness. There needs to be a refined element that

catches your breath...paired with a sense of wonder. I typically pull from a clean, transitional feel that is soft and feminine...but bold and industrial at the same time. The pieces feel strong, and the proportions are always slightly larger then one would initially consider for a space.

I think a home, should have a heartbeat. Like you can feel the emotion of the people that occupy it. Their love of books, travel, architectural detail...it should all

Feature listing

Amy Koehn

Amy is design principle at Koehn Design consulting

Contributing writer


be present and tell a story. The element of whimsy...like glass jars lined with candies, or framed art from the children themselves. Design should never overpower or intimidate real life...a beautiful space should look just as complete perfectly on point as it does with soiled fingerprints lining the white walls.

I tend to work with neutral tones, and allow the organic textures to layer and create warmth.I do work overlapping patterns, and geometric shapes...to balance out the starkness of neutral walls, and clean lines.

I love tufted pieces, and layering of toss cushions and throws...creating the feeling that the home itself if reaching out and pulling you in. A beautiful space should make you want to curl up, and stay.

20 October Gold Gate was such a large, vast space that I really tried to draw the space inward, and make it feel warm despite the large scale rooms. The finishing in the home was so striking, that I really wanted to enhance it and not overpower it. Solid walnut doors, stunning tile and millwork...the textures on the ceilings and walls were very strong. To balance it, I tried to bring in

continued on page 19



a feminine warmth through wallpaper, neutral furniture pieces, and raw woods.

8 Golden Aspen Crest, was a renovation...a facelift so to speak. Being older, I wanted to enhance all the natural light, and smaller spaces...by creating an industrial simplicity. I wanted the walls to be white, so that the home had a bright and airy feel. The art, and wooden elements, really stood out this way...and the contrast between that stark, bright feeling and the strong industrial lights, décor, and architectural detail allowed for a masculine balance.

Both spaces feel very similar though...and that is the goal. The goal is always to create an emotion. To stir feeling, and draw people into the heartbeat of the home. It is much like a canvas may be to an artist...however this canvas is one that you can curl up in.

“Design should simply enhance, the lifestyle you already live.”


92 Beny-Sur-Mer rd SW, CFB Currie, Calgary A magnificent residence straight from the pages of Architectural Digest. Over 3500 sqft of luxury with rich hardwood flooring, custom shutters, chef’s kitchen & a plethora of high-end finishings. The master retreat is phenomenal with an ensuite plus a huge master closet. There is a massive third floor loft & a finished basement. The outdoors is paradise with composite decking, extensive built-in lighting & hot tub. Complete with triple car garage.

201 51 Waterfront Mews SW, Eau Claire, Calgary Brand New Condo. Gorgeous 2 bedroom, 2 Bath, corner unit. The builders legally registered size is 924 sqft. Offering views of the Bow River and Prince’s Island. High ceilings, luxurious floors, high-end finishings and chef’s kitchen. The master suite offers an ensuite with a huge walk through closet. The unit has a large balcony with gas hook up for a BBQ. This unit has two parking stalls and a storage unit. Live in the most desirable location in Calgary.

250 23 ave NE, Tuxedo, Calgary Inner city character and charm. This stunning turn-of-the Century home has two beds two baths & sits on a very wide lot. It is a great location that you will absolutely love on gorgeous street. Stunning character features, gorgeous woodwork, spectacular flooring, & beautiful woodwork. The yard is perfect for entertaining as it is wide, deep & has a fantastic deck. Top this all off with a garage & you now have the recipe for an amazing home.

contact us today to book a viewingColdwell Banker Mountain Central4620 Macleod Trail SW. [email protected]

Close to everything yet still a private oasis. This gorgeous three level plus finsihed basement home has nearly 3000sqtft of high-end luxury living finishings. A stunning gourmet kitchen. Rick luxurious hardwood flooring and a spectaular rooftop patio that you will absolutely fall in love with. Top this off with a two car garage, fenced yard. The fact It is a corner unit it has tonnes of windows for natural sunlight. This neighbourhood, just west of Downtown offers great access to everything you need. Duplex

1001 77 Spruce pl SW, Spruce Cliff, Calgary Spectacular city views. This 2 bed, 2 bath home has gorgeous flooring, granite counters, stainless appliances and beautiful city views from every bedroom! An open plan condo with gorgeous kitchen and spacious living area. It offers in suite laundry, functional master closet, a cozy fireplace and a nice balcony! It has brand new carpets and is freshly painted. Comes with two parking stalls. Great location! It is close to downtown, shopping and transit.

123 Midvalley Rise, Midnapore, CalgaryA family friendly home! This newly renovated home has 4 bedrooms and 2 bathrooms. It boasts beautiful flooring throughout, granite countertops, stainless appliances and a newish roof. The front yard is spectacular, having the feeling of being a park. The house has been beautifully painted and decorated. This house is priced right, it is in a great neighbourhood being steps away from the lake and schools. This perfect home won’t last long!

8 Golden Aspen Crest, Rockyview2475sqft, 3 bedrooms, 3 bathrooms, .31ac, 3 car garage, vaulted ceilings, patio + deck, air conditioning, fireplaces, gas hook up. A magnificent home in Elbow Valley Estates! This house affords you great access to the mountains and is mere moments from great shopping, restaurants and schools. Do not miss this opportunity to live in a meticulously designed and cared for home. Priced to sell!

This magnificent residence has over 6000 square feet of luxuriously developed space with a triple car garage, unbelievably beautifully finished walkout basement and is in one of Calgary’s most upscale and desireable neighbourhoods. Easy access to shopping, schools, transit and a short drive (or lrt) to the heart of downtown. Five bedroom beautifully manicured front and back yard with delightful landscaping. Makes this house a pleasure to live on the inside and the outside!

like these listings? join theThese listings are not intended to solicit buyers or sellers currently under a contract with a real estate brokerage.

129 Strathlea Court SW, Southwest CalgaryAn amazing family home in a super family friendly ,great neighbourhood, strathcona park. This is a large family friendly home with beautiful hardwood, soaring ceilings and even has a fully finished basement! Close to parks, pathways, shopping , transit and schools, this is a dream for anyone! This home is complete with a great fenced yard and a 2 car garage.

91 sunset way, Cochrane AB, Calgary This amazing family home has it all. 4 bedrooms, walkout basement with separate entrance, 2 car attached garage and views of the Rocky Mountains to die for! Spectacular!Step out your backyard, walk on to a beautiful pathway that will take you throughout this beautiful neighbourhood to lots of green spaces for the kids to play on. This home will not dissapoint as it is finished beautifully from top to bottom. Fenced backyard with gate.

236 Simcoe pl SW, Calgary 2 bedrooms, nearly 2500 sq ft of developed space, 2 car garage, landscaped yard. Live the dream in this duplex! This meticulously kept bungalow on a stunning lot is now available to you! Step into this warm, sunny home & soak in the amazing details and finishings! From high-end window coverings to Air Conditioning to custom built in’s and even a fireplace on each level. Boasting vaulted ceilings & huge windows to let in the Calgary sunshine.

6, 75 Templemont Way NE, Temple, CalgaryThis is a fantatsic opportunity for someone to get into a beautifully renovated fully finished bungalow. For yourself or as part of your property portfolio. This great home is close to transit and tonnes of ammenities You will love this home to live in or you may love the income by renting it out! This is an outstanding deal to be had as all of the renovations have been done for you! Location is outstanding as it is close to public transit.

contact us today to list your houseColdwell Banker Mountain Central4620 Macleod Trail SW. [email protected]

TOP 5 STYLE TIPSTailor your clothes. Since we are not all fit model proportions, the investment in simple alterations can make all the di�erence in your garments.(men do it all of the time)

Mix and match your neutrals.Don’t be afraid to pair black and navy together, or grey and brown.It all works!

Wear your clothes.Don’t let clothes sit in your closet waiting for the perfect day.Tuesday is a day, why not get the most out of your asset?Have a cocktail dress you bought for a wedding? Throw on a leather jacket and sneakers and hit the streets!

Buy the pieces you love.Closet staples are a critical part of building a wardrobe, but it is the items you have an emotional attachment to that you will wear.

Forget dressing age appropriately.Style is an expression of yourself, and if you feel good, you’ll look good.

“There’s no how-to road map to style. It’s about self-expression and, above all, attitude.” ~Iris Apfel

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Contributing writer:

Whitney TitheridgeOwner + Buyer + Trader

Available at: Crabapple Clothing3526 Garrison Gate SW403.686.3661

CRABAPPLEFASHION SHOWApril 14, 2016Held at the Commons Calgary, Inglewood

photos by Svetlana Yanova

buyers tips

Think logically not emotionally about the property

Pay attention to unusual smells and signs of moisture

View at different times of the day

Spend quality time (+ thirty minutes) going through the listing

Drive around neighbourhood, talk to neighbours.

Move furniture for potential cover-ups

Switch, open, play with lights, taps and windows

Get confirmation of property lines

Bring someone along as a second opinion

Inspect the exterior of the building

Work out the true costs of buying

Hire the right real estate agent to help you with this!

Understanding the property before you make an offer, will not only make sure the home is right for you, it will also get you the best price possible. With the “buyers market” current conditions and the hot tips below, you will be ensured to get great value on your next property purchase.

Sharon AitkenSharon is an experienced licensed realtor with CB Mountain Central works with the rjgroup, contact her at [email protected]


HOT TIPSAdvice for the savvy buyer


rjgroup’s furry friends

Tyler with Bear and Nina

Kim and Ruger Rayley and Sasha Julia’s pups Mylo and Aleia

Montee and Dozer

Whitney and Bourbon

understanding estate planning

One of the most important things a person can do for his or her family is to ensure that

a basic level of estate planning is completed. A brief description of estate planning, and its importance, is set out below.

What is Estate PlanningThe creation of an estate plan allows an individual to determine how financial and personal care decisions will be made if he or she becomes disabled, while also providing for an organized and seamless transmission of assets to the next generation upon death. The execution of one or more of the documents described below allows the person who signed the documents (the “Maker”), to control what happens upon death or disability and ensure matters proceed on his or her terms.

Estate Planning DocumentsThere are many documents which can be utilized to bring a well thought-out estate plan into effect and the most common are described below.

WillA Last Will and Testament (“Will”) sets out clear instructions as to what is to occur upon the death of the Maker. Some of the items that can be addressed in a properly drafted Will are:

1 | The orderly passing of assets to future generations; 2 | Trust provisions for young or disabled beneficiaries; 3 | The disposition of specific gifts, family heirlooms, forgiveness of debts etc.;4 | Rights to use and final disposition of real estate such as current residence, rental properties and vacation homes;5 | Charitable giving;6 | Coordinating beneficiary designations for life insurance, investments, etc.; 7 | Guardianship of minor children; and 8 | Funeral directions, donation or organs and disposition of remains.

Enduring Power of AttorneyAn Enduring Power of Attorney (“EPA”) allows the Maker to appoint a person or persons to make decisions in the event he or she loses the mental capacity required to make

such decisions. An EPA deals only with financial matters and provision can be made for items the Maker might have wished, if competent, such as:

1 | Use of funds to benefit the Maker’s spouse/partner or dependent children; 2 | Assistance for adult children enrolled in a post-secondary institution; 3 | The making of reasonable gifts to family members; 4 | The payment of compensation to the persons appointed to make decisions; and5 | Continuing charitable donations customarily made while the Maker was competent.

Personal DirectiveA Personal Directive (“PD”), allows the Maker to decide who will make personal care decisions in the event he or she loses the mental capacity required to make such decisions. A properly drafted PD allows the Maker to make his or her wishes and values clear while setting out the criteria and governing principals to be followed in making these decisions. A PD covers matters of a non-financial nature including, without limitation:Health care;

1 | Where the Maker is to live and with whom the Maker may live and associate;2 | The Maker’s participation in social, educational and employment activities;3 | Legal matters that do not relate to the Maker’s estate;4 | Medical treatment and personal care decisions; 5 | Donation of organs; and6 | End of life decisions.

Benefits of an Estate planThe benefits of a well-crafted estate plan are many and a few examples are as follows:

1 | The Maker is the person deciding who will make

legal advice


all decisions in the event of death or disability and can ensure that only persons who understand his or her wishes and values have this authority; 2 | The likelihood of disputes is greatly diminished as the wishes of the Maker can be made clear and unequivocal; 3 | Non-legal but important matters such as family dynamics, religious and cultural values and other guiding principles can be expressly adopted into the documents; 4 | Family members can be specifically excluded from any decision making if desired and appropriate;5 | Income tax and other financial implications can be identified, addressed and minimized to the extent possible. It is not uncommon for families to be saddled with a significant tax liability that could have been minimized or deferred with a little advance planning; and

There can be significant negative consequences in the event of death or disability without a properly implemented estate plan. For example: A | If a person dies without a valid Will, legislation

will determine how that person’s assets are divided. This restricts the ability of the Maker to decide make important decisions such as what ages children are to receive significant sums and address other items specific to his or her circumstances; andB | In the event a person loses mental capacity due to an unexpected accident or illness without an EPA and PD being in place, his or her family will be unable to make important decisions without obtaining a court order to be appointed as a guardian and/or trustee. The obtaining of such court orders is often very time-consuming, intrusive and cost-prohibitive.

Mark Sawyer

Mark is a practising lawyer and partner at Dunphy Best Blocksom. You can reach him at [email protected]



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