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***Only continue reading if you are completed stumped!***




Hint #1


I have leaves, bark, roots, and a trunk!


Hint #2


This a type of transportation. 


Hint #3


Hard as a ______. 


Hint #4


Famous fast food chain. 


Hint #5


Canada Post comes to empty me Monday to Friday usually near the end of the day. 


Hint #6


These bins are often green and can be found behind apartment buildings. 


Hint #7


This long lean and often green thing snakes through the garden bringing a drink to the flowers. 


Hint #8


My grill marks leave a great impression on what I encounter. 


Hint #9


The rain is not a strain because our streets have a _________.


Hint #10


No need to make a fuss, this is where you catch the bus!


Hint #11 


Eveyryone hollar because everything costs a dollar!


Hint #12


I often have grief because dogs use me for relief! I always shine brighter for a fire fighter!

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Get ready, set, hunt!! Crack the riddle and snap a picture! Complete at least 8 of the 12 clues and we will deliver a special BBQ BONANZA BUNDLE right to your door! Clues - COMING SOON!


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SUMMARY OF FINANCIAL SUPPORTS

HOUSING

Support

Description

How to Access

⚡ BC Hydro

Bill deferral, payment plans, as well as crisis funding is available.

Call 1-800-BC-HYDRO or apply online.

 Freeze on rental rates

No rent increases are allowed in BC, effective April 1.

No action needed. Contact RTB with questions.

 Rental supplement

Provides up to $500/month towards rent, paid directly to landlords.

Check back for application instructions.

️ Mortgages (CMHC-insured)

Mortgage payment deferrals available for CMHC-insured loans.

Check with your lender.

️ Mortgages (non-CMHC)

Check with your lender about payment deferral options.

Check with your lender.

️ Emergency Housing

Existing shelters still active and additional emergency options may be available.

Call 2-1-1  or search online.

⚠️ See more re: Housing.

 


PERSONAL INCOME – WORKFORCE

Support

Description

How to Access

 Employment Insurance (EI)

Existing EI benefit continues to be available. Provides up to $573/week to people who have lost income.

Apply online.

 EI Sickness Benefit

One-week waiting period has been waived.

Call 1-833-381-2725 or apply online.

 Canada Emergency Response Benefit (CERB)

Provides $2000/month to workers who lose income due to COVID-19, including contractors and self-employed people.
(Note: Previous description implied only those who do not qualify for EI are eligible for CERB. However, CERB may actually take the place of EI for new applicants when available. In the meantime, those who qualify for EI should continue to submit for EI, as it is a benefit that lasts up to 45 weeks and can continue after the CERB benefit ends on Oct 3.)

Check back early April for application instructions. More info here.

 BC Emergency Benefit

One-time additional tax-free payment of $1000 to those on EI or CERB.

Check back for application instructions.



INCOME SUPPLEMENTS FOR PEOPLE

Support

Description

How to Access

 GST-credit

One-time boost of up to $600 per eligible couple, $400 for eligible individuals in May.

Benefit is paid out according to your income tax return. More info here.

 Climate Action Tax Credit

One-time boost of up to $564 for eligible families of 4 and $218 for eligible individuals in an enhanced payment in July.

Children under 18 years old must be registered for the CCB to qualify. No other action is needed; benefit is paid out according to your income tax return. More info here.

 Canada Child Benefit (CCB)

One-time boost of $300 per child in May.

No action if you are already registered for CCB. Otherwise, apply online.

 Youth in Care

Youth in care will not age out of services during the pandemic. Agreements with Young Adults (AYA) program payments will continue despite school closures and training interruptions.

 

 Young Adults Program (AYA)

Agreements with Young Adults (AYA) program payments will continue to former youth-in-care despite school closures and training interruptions.

 

 Income Assistance

Existing Income Assistance program continues to be available for those in need with no other resources.

Apply online, by phone at 1-866-866-0800, or visit your local office.

♿ People with Disabilities

Existing Disability Assistance program continues to be available. See also full list of additional supports here.

Apply online, by phone at 1-866-866-0800, or visit your local office.

 Seniors

Existing programs continue to be available, including:
—–Old Age Security (OAS): $614/mo (max)
—–Guaranteed Income Supplement (GIS): $916/mo (max)
—–Allowance/Allowance for Survivor: $1389/mo (max)

 



OTHER SUPPORTS FOR PEOPLE

Support

Description

How to Access

 Hospital parking

Parking is free of charge at all health authority owned/operated health care sites.

 

 ICBC

Monthly payment deferral for up to 90 days with no penalty.

Call 1-800-665-6442 or apply online.

 Emergency Child Care Funding

Child care providers receiving emergency government funding cannot charge parent fees for any periods of closure or for vacant spaces and must reserve spaces for families, starting April.

Check with your provider to see if they are in this program.

 BC Student Loans

Six-month interest-free moratorium on repaymentstarting April.

Repayment will be paused automatically.

 Canada Student Loans

Six-month interest-free moratorium on repaymentstarting April.

Repayment will be paused automatically.

 BC Transit & TransLink

Fare-free boarding on all buses. Enter through rear of the bus, unless accessible loading is required.

 

 Registered Retirement Income Funds (RRIFs)

Minimum withdrawals from Registered Retirement Income Funds (RRIFs) has been reduced by 25% for 2020.

Learn more here.

️ Emergency Travel Loan

Emergency loan of $5000 available to Canadians travelling abroad.

Dial +1 613-996-8885 or send an email.

 Income tax return

Filing due date is deferred to June 1. Payments owed are deferred until after August 31.

 







BUSINESSES (GENERAL)

   

Support

Description

How to Access

   

⚡ BC Hydro

Bill deferral and payment plans.

Call 1-800-BC-HYDRO.

   

 Canada Emergency Wage Subsidy

Covers up to 75% of wages for businesses, charities, and non-profits that have lost more than 30% of their revenue. Max subsidy of $847 per week per employee, backdated to March 15.

Check back for application instructions.

   

 Business Credit Availability Program (BCAP)

Financing support for small and medium-sized businesses. Available mid-April.
—–Canada Emergency Business Account: Loans of up to $40,000 for small businesses and not-for-profits, interest-free for one year. A portion may be forgivable. Available mid-April.
—– Loan Guarantee: Operating credit and cash flow term loans of up to $6.25 million to SMEs. Available mid-April.
—–Co-Lending Program: Co-lend term loans to SMEs for their operational cash flow requirements. Eligible businesses may obtain incremental credit amounts of up to $6.25 million through the program. Available mid-April.

Speak with your financial institution. Learn more.

   

 Federal income tax

Payments owed are deferred until after August 31.

     

 BC business taxes

Payments for Employer health tax (EHT), provincial sales tax (PST), municipal and regional district tax, tobacco tax, motor fuel tax, and carbon tax are deferred until after Sept 30. Scheduled April 1 increases to provincial carbon tax and PST are deferred.

     

 School Tax

Cut of 50% for business and industry property classes, to be passed onto tenants on triple-net leases.

     

 GST/HST

Payments owed deferred to June 30.

     

 Customs duties & taxes

Payments owed deferred to June 30.

     

⚠️ See more re: Businesses.
⚠️ Click here: BC Government Small Business Support List

   
           


BUSINESSES (BY SECTOR)

Support

Description

How to Access

 Child care sector

Emergency funding is available for child care providers that stay open and that close.

Learn more.

 Arts & Culture sector

$3-million Arts and Culture Resilience Supplement to give operating and eligible project clients a supplement of up to $15,000. Clients will receive a 50% advance on 2020-21 funding.

Via BC Arts Council.

 Publishing and news sectors

Simplified process for Canada Book Fund and Canada Periodical Fund. Journalism Tax Measures.

 

 Broadcasting sector

CRTC Part I licence fees waived.

 

️ Tourism businesses in national parks and historic sites

Tourism operators in national parks, historic sites, and marine conservation areas will have payments on commercial leases and licences of occupation deferred without interest until September 1.

Wait to be contacted by Parks Canada.

 Seafood sector

Seafood growers, shellfish farmers, and processors, will have access to the $5 billion Farm Credit Canada loan program.

Via FCC.

 Farmers and Agri-Food sector

Access to the $5 billion Farm Credit Canada loan program.

Via FCC.

Airports

Rents paid on ground leases waived.

 

⚠️ See more re: Businesses.


FUNDING BOOSTS TO CHARITIES FOR PROGRAM DELIVERY

Support

Description

 

 Food Banks BC

Funding boost to Food Banks British Columbia, who will distribute the money among food banks province wide.

 

 Kids Help Phone

Funding boost to Kids Help Phone, which provides young people with mental health support. 

 

 United Way Canada

Funding boost to United Way Canada for local organizations to support practical services to Canadian seniors, such as: Delivery of groceries, medications, or other needed items, or personal outreach to assess individuals’ needs and connect them to community supports. 

 
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#StayHome Coloring Contest

Break out your crayons, pencil crayons, felts, markers and lipstick. This contest is open to all kids & adults; no purchase necessary.


To enter, print off and colour in the page included in this package, colour however you see fit! Email us a scanned copy OR snap a picture of your final product! Don't worry if you do not have access to a printer. Use a blank piece of paper and draw your own version of our colouring page!


Email entries to frontdesk1037@kw.com.


Every entry will receive a surprise participation prize!
1st Place $500 donation to a charity of your choosing
2nd Place $300 donation to a charity of your choosing
3rd Place $200 donation to a charity of your choosing


Multiple Entries from same household welcome; limit of 1 entry per contestant.


Submissions must be received by: 5:00 PM PT on April 27th, 2020.

Entries will be judged on accuracy and creativity.

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There is Money Hidden in the Basement…..

When previous generations bought homes, basements were mostly used for storage or having parties (or sometimes both). It’s always worth a look, but it’s most likely there is no actual money hidden in the basement walls. But there are other opportunities down there.


Today, basements can be a beautiful long-term money source. Whether you live in the home and rent out the basement to help cover your mortgage or you rent them out as two separate units, they both make sense and dollars.


Purchasing homes with unfinished basements can provide a dual opportunity. Firstly, you can force appreciation by adding square footage to your investment by renovating the basement and converting it into a suite. Secondly, you can capitalize on rental income after the initial renovation cost. 


Let's run the numbers on a home on Vancouver Island. For argument's sake, this comparison is already finished and move-in ready.


Home Number 1:


$500,000 home price

1700 square feet

3 Bedroom/2 Bathroom Rancher


Rent estimate according to Craigslist and Rentometer.com:
$2000/per month

Estimated Gross Income: $24,000

Estimated Cap Rate: 3.9%


Home Number 2:



$550,000 home price

2500 square feet

3 Bedroom/1.5 Bathroom up top

2 Bedroom/1 Bathroom down 


Rent estimate according to Craigslist and Rentometer.com:
Upper floor: 
$1772/per month

Basement: $1305/per month

Total: $3077/per month


Estimated Gross Income: $36,924

Estimated Cap Rate: 6.7%

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Do you see the potential in the regular income stream of a rental property, but are frustrated with Vancouver's low cap rates that make positive cash flow seemingly impossible? 


Investing outside of Vancouver may be your answer...


1) "But Justin, I don't want don't want to hire an expensive property manager."

You don't have to and to be honest, I don't recommend it.

Instead, create a positive relationship and establish good communication with tenants from the start. Not only will this help keep tenants long term, but it will also keep you informed about what is going on in and around your rental property.


2) "What if there is a plumbing emergency?"

Call a plumber. Most neighbourhoods have a Facebook group. Join it. These will be great spots to find recommended tradespeople. And when you do find a good contractor, keep a good relationship with them. Pay them right away. Once you have a list of tradespeople that are approved, give that list to your tenants for emergencies (this is especially true for plumbers.) Give them the go-ahead to call the plumber in the event of a midnight plumbing emergency. 


3) “Who is going to meet the tradesperson to let them in?”

Keyless Entry Keypad Deadbolts are the answer. Put a master code in for yourself, one for the tenants and then a few other ones for tradespeople. They aren’t even that expensive (around $160 for a decent one.) 


4) “What about collecting rent?”

There are sites that you can use that will provide your tenants with auto withdrawal. Also, e-transfers work just fine. 


5) “How will I find tenants?”

Advertise on Craigslist, Kijiji or the neighbourhood Facebook group (sometimes there is one exclusively for renters.) Hold an Open House (yes, you are going to need to travel for this part.) The great thing about connecting with tenants on Facebook is that it is easy to do an initial background check on them.


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The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Real Estate Board of Greater Vancouver (REBGV), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the REBGV, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the REBGV, the FVREB or the CADREB.