“Whether you’re

buying or selling

your home, Emily

will give you a fresh

take on the Niagara

real estate market.”

Happy New Year!

Greetings everyone!

I hope that your holidays went absolutely great and you're ready for another amazing year!

Whether you've been living in your house now for a number of years and are ready for a new

place or you know someone who is, let me remind you of a couple reasons why most people find

that it's a good idea to use a licensed realtor to sell their home rather than to take the DIY

approach.

Selling your home is a very important financial transaction. You can try to do it alone to save

some money, but hiring an agent has many advantages. Agents can get broader exposure for your

property, help you negotiate a better deal, dedicate more time to your sale and help keep your

emotions from sabotaging the sale. An agent brings expertise, which few home sellers have, to a

complex transaction with many financial and legal pitfalls.

My team and I are all seasoned professionals with thousands upon thousands of contacts and

can get your home sold quickly. And at the price you want. And when it comes to finding your

next home we have the expertise and tools to sift through all of the listings to find your perfect fit

quickly.

The bottom line is that I'd love to sit down with you and discuss your needs and desires and

show you what we can do to buy or sell the property of your dreams! Give me a call today!

Best wishes,

Emily

8685 Lundys Lane, Unit 1 Niagara Falls ON, L2H 1H5 905-380-4372

thebarryteam.ca Emily@RevelRealty.ca

January 2019 Volume 8, Issue 1

Revel Realty Inc.,

Brokerage

The Barry Team

The “For sale by owner” (FSBO) method seems a great way to save thousands of dollars when you sell your home. After all,

the standard real-estate agent's commission is 6% – that's $15,000 on a $250,000 home. Given the size of this fee, you may

think that acting as your own seller's agent will surely be worth the savings. Here are eight reasons you should think again.

1) Buyers' agents may not want to show your property to their clients

In a for-sale-by-owner deal, the buyer’s agent knows there won't be a professional colleague on the other end of

the transaction. Even if a client insists on seeing your home, the agent might discourage making an offer, citing the

hassles and risks of trying to close the deal without a professional representing the seller – and without a

guaranteed commission.

2) It's harder to keep your emotions out of the sale

Having an agent keeps you one step removed and makes you less likely to make stupid mistakes such as

overpricing your home, refusing to counter a low offer because you're offended or giving in too easily when you

have a deadline for selling.

3) It's not your full-time job

The realtor will put a lock box on your home so that other agents can bring prospective buyers during the day

when you're at work. Most people don't have time to leave work every time someone wants to see their home.

4) Agents have a larger network than you do

A smaller pool of potential buyers means less demand for your property, which can translate to waiting longer to

sell your home and possibly not getting as much money as your house is worth.

5) You subject yourself to needless showings

An agent can find out whether someone who wants to view your house is really a qualified buyer or just a dreamer

or curious neighbor. It's a lot of work and a major interruption every time you have to put your life on hold, make

your house look perfect and show your home. You want to limit those hassles to the showings most likely to result

in a sale.

6) Negotiating the sale is tricky and awkward

An agent will know what terms are worth negotiating for and which are worth letting the other party win.

7) You can't see what's wrong with your home.

Agents are experts in what makes homes sell. They can walk through your home with you and point out changes

you need to make to attract buyers and get the best offers.

8) You put yourself at risk of being sued.

A lot of legal paperwork is involved in a home sale, and it needs to be completed correctly by an expert.

Click HERE for instructions on how to play Sudoku!

Put more money in your pocket: use a realtor!

National Institute of Health: “Staying cognitively active throughout life—via social engagement or intellectual stimulation—is associated with a lower risk of Alzheimer’s disease.”

One of the most important items is the seller's

disclosures. A seller of real estate has an

affirmative duty to disclose any fact that

materially affects the value or desirability of

the property.

The bottom line, you will end up with more

money in your pocket with the help of a

realtor!

Call me today for a no obligation analysis of

your situation. Many of these same principles

above still apply for the buyer as well so call

me whether you are buying or selling.

There's nothing glamorous about cancer!

Cryptocurrency: Good Investment or Scam?

Cryptocurrencies are a digital currency in which encryption techniques are used to regulate the generation of units of

currency and verify the transfer of funds, operating independently of a central bank. Cryptocurrencies (such as Bitcoin) are

in the news daily. FINRA is issuing this Alert to warn investors to be cautious when considering the purchase of shares of

companies that tout the potential of high returns associated with cryptocurrency-related activities without the business

fundamentals and transparent financial reporting to back up such claims. Do your research before purchasing shares of any

company offering investment opportunities in cryptocurrency. And don’t be fooled by unrealistic predictions of returns and

claims made through press releases, spam email, telemarketing calls or posted online or in social media threads.

These actions may be signs of a classic "pump and dump" fraud. The SEC suspended trading in a number of

securities due to questions regarding the accuracy of cryptocurrency-related activities.

Especially in today’s “hot” cryptocurrency environment, it’s easy for companies or their

promoters to make glorified claims about new products, services and other cryptocurrency-

related connections. And, even when legitimate companies flock to a hot, new sector,

fraudsters almost always follow suit, exploiting the news to launch their latest frauds du jour.

Follow these tips to avoid costly mistakes.

Do not say "yes" to cryptocurrency stock purchases from an aggressive cold caller, even

if the claims sound plausible, particularly if the recommended stocks are very low-priced.

Don't feel guilty about hanging up. Not answering at all, or putting down the phone, are

generally the best and safest responses to a cold caller or anyone aggressively pitching

low-priced stocks or other investment opportunities.

Be suspect of anyone who makes guarantees that an investment will perform a certain

way, or makes pushy sales pitches that encourage you to “act now.”

Use FINRA BrokerCheck® to the check registration status of, and additional information about,

the people and firms who tout these opportunities.

Verify claims made by the company in the SEC's EDGAR database online. But remember, the fact that

a company that has registered its securities with the SEC doesn't mean that the company will be a good investment.

Be wary of stocks with huge spikes in price: this could signal potential manipulation or fraud.

Know where the stock trades and pay attention to any cautions associated with the stock. Most stock pump-and-dump

schemes tend to be quoted on an over-the-counter (OTC) quotation platform like the OTC Markets, which provides

icons to warn investors of concerns associated with a given company. A lack of warnings doesn't necessarily mean the

company will be a good investment.

Contact the US Securities and Exchange Commission

with questions or concerns about these investments www.SEC.gov

If you love a woman or girl who wears makeup please share this article with them today. These few short paragraphs just might save her life! According to safecosmetics.org the laws governing cosmetics and personal care products are so limited that known cancer-causing chemicals, or carcinogens, are legally allowed in personal care products. Some carcinogens, such as formaldehyde and formaldehyde releasing preservatives, are common in personal care products, while others are less common, but still occasionally present. Chemicals linked to cancer have no place in anyone’s beauty routine, yet cancer-causing chemicals are present in many different types and brands of cosmetics and personal care products found on store shelves across the United States. Due to an outdated and weak law governing cosmetics, carcinogens have not been banned – or are even restricted – for use in cosmetics in the U.S. The Campaign for Safe Cosmetics, launched its “Cosmetics Without Cancer” Campaign to secure agreements from major cosmetics makers to take immediate action to eliminate cancer-causing chemicals from products. Companies targeted by the Campaign include: Unilever, L’Oreal and Procter & Gamble. A partial list of carcinogenic ingredients used in personal care products includes:

Formaldehyde

Phenacetin

Coal Tar

Benzene

Mineral oils (untreated and mildly treated)

Ethylene oxide

Heavy Metals

Cadmium and its compounds

Arsenic

Chromium

Silica Formaldehyde is prohibited in Japan, and restricted in the EU; coal tar is prohibited in the EU; benzene is prohibited in the EU; ethylene oxide is prohibited in the EU; chromium is prohibited in the EU; cadmium compounds are prohibited in Japan and the EU; arsenic is prohibited in the EU. Despite the lack of regulation, many companies are choosing to make safer cosmetics and personal care products. More and more, consumers have a choice of non-toxic, effective products. For a list of companies providing safer alternative products go to

www.MadeSafe.org

There's nothing glamorous about cancer!