Waterfront Mansion (SOLD)

Waterfront Mansion (SOLD) DJI 0002

A dream home by the sea! This seaside mansion has just been significantly reduced for an estate sale and won’t be on the market long at this price!

A rare opportunity exists to acquire a waterfront home of this size and style for a price this low! A coastal retreat far removed from the hectic pace of city life, and just minutes from the resort town of St. Andrews by-the-Sea. Situated in an exclusive neighborhood at the former Stoneridge Estates with extensive vistas overlooking Chamcook Harbour. This 3.63 acre dream location has 285 ft of ocean front! Combining formal casual living, this 5007 sq ft 5 bedroom, 4.5 bath luxury home offers 10ft ceilings a 20ft high main entrance leading to a large library, great room, formal dining room, open gourmet kitchen and large wine cellar. The main floor master has an ensuite with grand walk-in shower, raised whirlpool tub, and his hers vanities. The 2nd floor has 9 ft ceilings features 4 large bedrooms, walk-in closets, 3 full baths, balconies and a coffee bar. Perfect as a prestigious family home or enviable holiday retreat – the sooner you act, the sooner your new life begins! HST is applicable but may be negotiated in the purchase price.

MLS® Number NB052705

Buying a Business in New Brunswick

business for sale

Buying a Business

Buying a business can be quite an adventure, but it is a process that requires careful attention. There are some questions you need to ask yourself. Do you want to invest in a business or actually run a business? Do you want the owner to help with operations after the purchase? If you plan to run the business what skills can you provide and what skills do you need to develop?

The following topics and discussions are examples of questions we regularly receive:

Where do I find a business opportunity?

Internet sites, such as realtor.ca, may contain listings and can be a good start. Realtors may have information, and community organizations like the Regional Development Authorities might have lists of local businesses for sale. This CBDC website also contains a list of businesses for sale.

You may prefer to contact a broker. As a buyer, you usually don’t pay the broker, the seller pays this commission. However, there could be costs when you ask a broker to search for business opportunities. Just be CLEAR about the commissions and who pays them.

View the current list of businesses for sale in NB by Fundy Bay Real Estate here.

Are Lawyers and Accountants necessary?

You will likely need assistance from an accountant (CA, CGA or CMA). Accountants help analyse the business, determine a recommended range, and understand the tax implications of the decisions you face. Are you going to purchase assets of a business or will you buy shares of a business? Should you use a holding company or a family trust? An accountant can help with these considerations.

You will need a lawyer. The purchase of a business will require the creation and signing of legal documents. You may also require assistance with estate planning and partnership agreements. It is important that this work is done properly!

What are the steps when buying?

Get the Numbers

The business’ financial performance will be an important piece of information. How much has the business made? How much has the owner made? This information can be found in the financial statements. You and/or your advisers can use this information to determine how much the business is worth. As an owner, you will want to know how much money the business makes. More information about methods to value a business can be found here. When analysed properly, financial statements can tell a great deal of information about a business, and help you identify questions for the seller.

Expressing Interest

When you know how much you are willing to pay, you will develop a Letter of Intent. This letter is signed by you (if you are buying the business personally) or the corporation (if you are buying using a holding or any other company). Typically, the price is mentioned in the Letter of Intent. You can make the purchase “subject to financing.” This means you will not be committed to purchasing the business if you are unable to get financing. You may also make the letter of intent subject to the results of “due diligence” that will be performed by your advisers.

The Letter of Intent may be rejected by the seller, who may then send a counter-offer by revising your Letter of Intent. You may reject this offer and counter – and this dance can go back and forth.

Making an Offer

If you and the seller cannot agree on a price or other terms of the sale, the business may not be right for you… it’s time to look for another opportunity. If you do agree on a price you will need to prepare your financing. Once you have the money to purchase the business you can contact your lawyer to prepare the purchase and sale agreement.

Closing

Once your financing is in place and the purchase and sale papers have been signed, the purchasing process is complete… and now it is time to operate the business!


Original text from: https://www.businessatlantic.ca/en/buying-a-business Business Atlantic, CBDC

The Salty Spell of St. Andrews

The Salty Spell of St. Andrews 0 1

IAN SCLANDERS AUGUST 15 1952 MACLEAN’S MAGAZINE

Macleans 1952 St. Andrews
Maclean’s Article on St. Andrews from 1952

ST. ANDREWS, N.B., has only fourteen hundred year-round residents. But its liquor store is reputed to sell more imported champagne than any other liquor store east of Montreal, and it has a grocer who stocks caviar and pâté de foie gras, a druggist who sells perfume at seventy five dollars an ounce, and two china dealers who offer dinner sets priced as high as two thousand dollars. The reason is that St. Andrews is the most fashionable resort on Canada’s Atlantic coast.

In this unusual little town, on a peninsula that juts into blue Passamaquoddy Bay, one of the major industries is barbering the tall cedar hedges which surround the estates of the rich with evergreen elegance. There are miles and miles of these hedges. They block the view at every tum, so when E. P. Taylor, the financier, was selecting a piece of property for a seaside retreat he studied the landscape from an airplane. As he circled over St. Andrews, on a sunny morning, typical “summer folks” were doing typical things.

Rt. Hon. C. D. Howe, in grey flannels and white shirt, was out on his broad lawn directing a team of gardeners. Senator Cairine Wilson, in a mud streaked cotton dress, was pruning rose bushes. At the Old Timers’ Club, H. D. Burns, chairman of the board of the Bank of Nova Scotia, and Lieutenant-Governor D. L. MacLaren of New Brunswick were playing a spirited game of cribbage.

Miss Olive Hosmer, whose father, the late Charles R. Hosmer, amassed one of this country’s fat fortunes, was out driving in her elderly Rolls Royce. Mrs. R. E. D. Redmond, a daughter of the late Lord Shaughnessy of the CPR, and Lady Davis, widow of Sir Mortimer Davis, were watching the bathers at the beach.

Noah Timmins, the mining magnate, and Sir James Dunn, the peppery old baronet who controls Algoma Steel and Canada Steamship Lines, were striding through elm-shaded lanes, while G. Blair Gordon (Dominion Textile) and Dr. Gavin Miller, noted Montreal surgeon, were shooting a round of golf. Howard W. Pillow (British American Banknote) and Harry W. Thorp (Murphy Paint) were swapping yams in the back room of Bobby Cockburn’s corner drugstore.

Scores of other upper-rung socialites were distorting themselves at St. Andrews. For St. Andrews, in the summer, is crowded with the kind of people who dress for dinner and describe their mansions as cottages. Year after year they turn up with their butlers, cooks, chauffeurs, limousines, rakish sport cars and yachts. They golf, swim, fish, sail and garden, and go to parties.

A musketball discarded by Champlain clinched Canada’s claim to St. Andrews. Since then this New Brunswick haven has lured a Bonaparte, two Fathers of Confederation, a parcel of peers and more millionaires per mile than any town in the land

There are parties morning, afternoon and evening, but these are polite and decorous, for most members of the St. Andrews set have reached or passed middle age and were either born with money or have had money long enough to avoid nouveau riche high jinks. They don’t swill champagne. They sip it. Nobody at St. Andrews has ever plunged fully clad into a swimming pool in a gay mad moment, and there hasn’t been a first-rate scandal since a prominent matron, out joy riding with a waiter, was killed in an accident. That was years ago.

Some vacationists find the place dull. A disappointed New Yorker complained to a desk clerk at the Algonquin—the posh but sedate CPR inn —that St. Andrews is “too damned refined.” But the majority of the summer folks prefer it like that. They frown on tourist traps that might draw a noisy element. When a dude ranch was opened by a promoter from Montreal—with beauteous Broadway cowgirls, Hollywood-style cowboys, and c floor show—they cold-shouldered it out of business in one season.

They’re so fond of St. Andrews, just the way it is, that they’re trying to keep it as changeless as possible in a changing world, a haven with the gracious manners and standards of yesteryear. They carefully preserve its scenery and traditions, shun modern architecture and fill their big houses with antiques.

In deference to their wishes the Algonquin, the pivot around which the social life revolves, hasn’t revised its menus noticeably for half a century. It still serves the elaborate kind of meals that have to be digested in an atmosphere of leisure. This hotel, which has two hundred and thirty rooms and two golf courses, didn’t discard the last of its Victorian brass bedsteads until 1951 because veteran guests had grown attached to them.

The Salty Spell of St. Andrews 0 1

Under the New Brunswick Liquor Control Act, no drinks—not even beer—may be served in public places. Bars, cocktail lounges and beer parlors are illegal. The stately Algonquin has ignored this law and provincial authorities have ignored the Algonquin’s well-stocked mahogany bar—an old fashioned affair with a trapdoor leading to a wine cellar. There’s a rumor, which can’t be confirmed, that the Algonquin management told the N.B. Liquor Control Board once that if the hotel wasn’t allowed to serve drinks it would be closed down, with a loss to New Brunswick of a large and profitable slice of tourist business. Since then, according to the story, the Liquor Control Board has made no complaints. St. Andrews’ second hotel, the Commodore, decided that if the Algonquin could operate a bar the Commodore should be able to do the same thing. This worked for a while but, last year, the Commodore’s proprietor was arrested and fined five hundred dollars for being responsible for the illegal sale of liquor on premises. Residents of St. Andrews have an idea that the Commodore’s bar would have fared better had it been operated on the same lines as the Algonquin’s bar, which is so inconspicuous and quiet that you could hang around the hotel for a week with out knowing it was there. (Open to guests only. the bar is located below the lobby and reached by a stairway on the left-hand side of the lobby. Both the stairway and an outside entrance to the bar have no signs indicating where they lead.) St. Andrews, with its tide fiats, wooden jetties, sardine boats, lobster traps, golden sand, red cliffs and green slopes, casts a spell over many people. Field Marshal Lord Alexander, when he was governor-general, liked it so much that he stretched a scheduled stay of a fortnight into a month. David Walker, Scottish soldier and author, had a holiday at St. Andrews when he was in Canada before World War II as an side to Governor-General Lord Tweedsmuir. Captured at Dunkirk, he dreamed of St. Andrews when he was in a German prison camp and bought a house there when he was freed. His last two novels, Geordie, and The Pillar, were written at St. Andrews. The Rev. Henry Phipps Ross, a United States clergyman with inherited wealth, and Mrs. Ross, were so in love with St. Andrews that they insisted on being buried there. They left three hundred thousand dollars for the establishment of a library and museum at St. Andrews and a like amount for the district hospital. The Waycott trust, which maintains a public-health nurse, and the Harring. ton trust, which pays for Christmas parcels for the poor, were also set up by bequests from summer folks. Even crusty tycoons regard the town with misty-eyed sentiment. Men like Sir James Dunn provided the funds with which the Old Timers’ Club was built at the head of the public wharf. They wanted aged natives to have a cozy spot to meet and talk and play cards. Now they’ve formed a habit of dropping in themselves to enjoy the companionship of retired mariners and shermen, with whom they are on first name terms. The summer folks have i genuine affection for the natives and often show it with surprising gestures. When John Cadman Norris, St. Andrews’ only Negro, was old and infirm an anonymous Montreal industrialist worried about the fact that “Cady’s” home lacked indoor plumbing. He hired a contractor to add an up-to-date bath room to the bungalow. Cady. drove a team of truck horses on weekdays and pumped the organ in the Anglican church on Sundays. When he died in August 1948 the flags on the Algonquin and on the fancy estates were flown at half mast and the Hon. Marguerite Shaughnessy wrote a touching tribute which was published in the St. Croix Courier, the district weekly newspaper. A dozen millionaires were among those at the funeral. So strong is the charm of St. Andrews that a lot of summer folks put roots down there and think of it as their adopted home town rather than as a resort. Some of them, like Mrs. Redmond, Miss Shaughnessy, Sir .James and Lady Dunn, and David Walker now remain there all year. They take as much delight as the’ natives in the local legends and in the colorful characters of the past characters like Dr. John Calef, Robert Pagan, La Coote. the Rev. Samuel Andrews and Christopher Scott. Calef and Pagan. like the other founders of St. Andrews. were United Empire Loyalists. Exiled from the U. S. after the American Revolution they settled at Penobscot, expecting that Penobscot would remain under the British flag. When Penobscot turned out to be Maine they sawed their houses into sections, moved them to St. Andrews by schooner, and nailed them together again. The year was 1783. Calef, a medical pioneer, inoculated five hundred of his fellow citizens against smallpox soon afterward, and was pleased that only three of them died. St. Andrews was just getting on its feet when Maine raised an outcry about the boundary line. The Treaty of Paris stipulated that the border at this point should be the river where Champlain wintered on an island in 1604. It was generally supposed that this river had been the St. Croix, but Maine con tended that it was actually the Magaguadavic, thirty miles to the east. This would have placed St. Andrews within the U. S. Rut La Coote, a renegade French nobleman who had married an Indian, knew that Champlain had been on Dochets Island, in the St. Croix. He led Robert Pagan-a member of the New Brunswick .Assembly there and the two of them dug up a musket-ball, a metal spoon and a clay pitcher left by Champlain. This evidence kept St. Andrews in Canada.

The Salty Spell of St. Andrews 0 001

Samuel Andrews, an Anglican clergyman who had been persecuted in New England as a Tory, stole the royal coat of arms of Wallingford, Conn., because he didn’t want it in the hands of rebels. He had it with him when he arrived at St. Andrews in 1786 and it hangs there today, in All Saints’ Church. Andrews lived on an island which has ever since been called Minister’s Island, and which is joined to St. Andrews by a sandbar that is exposed only at low tide. Every Sunday, with his wife behind him on a pillion, he crossed the bar on horseback to hold services.

The Presbyterians had no church of their own and Andrews let them use his. Then, at a public dinner, a member of his flock who had imbibed too much Jamaica rum declared that the Presbyterians, being Scottish, were “too mean to build a church of their own.’’ Up sprang a furious Scot, Christopher Scott, from Greenock, sea captain and trader. He announced that the Presbyterians would have a church that would put that of the Anglicans to shame, a church just like that in Greenock—and he would pay for it himself. Greenock Presbyterian Church at St. Andrews, with the green oak of Greenock carved on its white façade, is now as quaint and attractive as any church in Canada.

St. Andrews flourished in the first half of last century. At one stage its population reached six thousand, which made it one of the important centres in British North America. It had sawmills, shipyards and Canada’s first paper mill. Its fine natural harbor was busy with sailing vessels and it exported fish and lumber to the West Indies and Britain. John Wilson, who owned ships and mills, had a manor house surrounded by a deer park, and several other dwellings were almost as impressive.

Like neighboring towns in both Maine and New Brunswick, St. Andrews refused to take part in the War of 1812, but the British constructed a series of wooden blockhouses there. Guns that shot twenty-pound balls were mounted on the walls, but none was ever fired and all the balls, much later, were lugged off as souvenirs by I tourists. The main effect of the war of 1812 on St. Andrew-s was that the community for the next fifty years had a British garrison whose dashing young officers were much admired by the local girls.

Henry Goldsmith, a nephew of poet Oliver, and a poet of sorts himself, drifted into the town in its early days with his wife and six children. He had decided to abandon literature and start a sawmill. He rented ^ shack for his family and went off to raise money for his enterprise. This took so long that Mrs. Goldsmith and the kids had nothing to eat but wild berries and clams they dug on the sand flats. Then Mrs. Mehetible Calef, the doctor’s wife, took them in. She must have been pretty tired of Goldsmiths by the time Henry reappeared. He had been gone six months. Henry never did get his mill going and he finally packed up his brood and sailed for England.

Another oddity, whose real identity is still a mystery w-as Charles Joseph Briscoe. That, at least, was the name he used. He had no visible means of support but was seldom without funds. He rode through the streets of St. Andrews on a white horse, sitting in the saddle with royal dignity, and let it be known that royal blood flowed in his veins. When he died he left instructions that his private papers, which were in sealed envelopes, should be buried with him; then he wanted his grave opened in fifty years and the papers read by officials so that his identity would be revealed. There was great excitement the day the grave was opened, but the papers were so mildewed and faded nobody could decipher them. The only clue was an ivory miniature of King George IV. This prompted the theory that he was a son of George and Mrs. Fitzherbert, who were secretly married.

St. Andrews hoped to be the chief Atlantic port of British North America and by 1835 John Wilson was proposing a railway to Quebec. He even imported laborers from Ireland to build it but his scheme failed. Saint John and Halifax, picked as the eastern terminals of the transcontinental railway lines, became the ports. Although a branch line was later run into St. Andrews, the town by then had begun to wither and its population was declining.

In the lS60s a number of its large houses were for sale for a song. Two were bought by Sir Charles Tupper and Sir Leonard Tilley, both Fathers of Confederation, as summer places. Tupper and Tilley were the forerunners of the summer folks.

In 1888, when the future of St. Andrews looked bleak, Boston promoter named Cram organized the St. Andrews Land Company and a forgotten rhymester wrote:

Capitalists from Boston

Hava said. “We’ll buy the town.”

And millionaires from Calais

Have planked their money down.

The St. Andrews Land Company, backed, as the verse suggests, by investors in Calais, Me., built The Inn, as the Algonquin was originally called. Then in 1890 two extraordinary met visited St. Andrews. One was Willian Cornelius Van Home (later Sir William.), the other Thomas George Shaughnessy (later Lord Shaughnessy) —the second and third presidents of the CPR. They relaxed in the cool salt breezes of St. Andrews, were enchanted by the scenery, and resolved to make the place their personal playground.

Van Home purchased Minister’s Island: Shaughnessy bought Fort Tipperary, the quarters of the British garrison. The CPR purchased The Inn, christened it the Algonquin Hotel and tacked two wings onto the building.

A Moon By Breakfast

On his island Van Home spent a fortune creating the most flamboyant and luxurious seaside haven in Canada. The mansion there is so big-you could easily get lost in it. The Indian mg in the living room is so heavy that eight strong men are needed to lift it. The granite fireplaces in the main rooms are fifteen or twenty feet wide and at either side of these are ornately carved Italian pillars, covered with gold leaf. In the living room there’s a grand piano fitted with a player attachment—Van Home liked to sit and pump the pedals while he gazed through the windows at his gardens.

On all the walls there are huge pictures with gilt frames, at least half of them painted by Van Home, one of the most enthusiastic and prolific amateur artists this country ever had. His studio is still there, just as it was when he was alive, with his paints and brushes in a massive oak chest—an Italian antique which bears the date 1642.

Van Home had boundless energy and seldom slept more than two or three hours. One night when entertaining friends he announced he intended to stay up and paint the moon shining on Passamaquoddy Bay. Next morning when they came down for breakfast the picture, finished and framed, was hanging in the dining room. It’s still there, four feet by five.

Scooped out of solid rock on the island shore below a cliff is a swimming pool. A stone tower with a circular stairway rises to the top of the cliff.

When Van Home died in 1915 his daughter Adeline, a huge jolly woman, summered at St. Andrews until her own death after World War II. Minister’s Island will be inherited by a great granddaughter of Sir William when she comes of age. Meanwhile it is rented each year to Thomas Mathis, a former New Jersey senator, and his brother in-law Maja Berry, a former judge, both of Toms River, N.J. They ban the sight-seers whom Adeline had always welcomed.

The Shaughnessy estate, far more modest than the Van Home, is now the home of the Hon. Marguerite Shaughnessy. Shaughnessy retained part of Fort Tipperary, but tore down the officers’ quarters and barracks and built an impressive residence.

As for the Algonquin, the hotel which was the pride and joy of Van Home and Shaughnessy, it operates only from June to September and has rarely shown a profit. The original structure was burned forty years ago and was replaced by a much more elaborate and fireproof building, to which there have since been additions.

The rates at the Algonquin are steep, up to twenty dollars a day. But, at the height of the season, it has to turn business away and, according to the manager, Pat Fitt, the guests stay longer than at any other hotel in Canada. The regulars who come year after year generally remain for six weeks or two months.

The hotel’s Sunday evening buffet suppers are a St. Andrews institution and draw most of the social set. The wives of the rich appear sparkling with diamonds and decked out in the more expensive creations of Dior, Fath and Schiaparelli.

Algonquin guests swim in Katy’s Cove, an arm of Passamaquoddy locked in by a dam. There, the notoriously cold water of Passamaquoddy is heated by the sun, and a string orchestra serenades the bathers.

Besides the Algonquin and the Commodore, St. Andrews has smaller places like Forest Lodge, a spacious homestead converted into an inn.

The vacation trade is the town’s economic mainstay. The rich employ more than a hundred hedge trimmers, gardener» and handymen, keep the Algonquin humming, and spend so freely that the sales volume of the merchants doubles in July and August. And thousands of tourists who aren’t rich flock to St. Andrew’s to have a look at the celebrities and peep through the cedar hedges at the mansions. Most of the notables discourage them with icy stares and no-trespassing signs, but Senator Cairine Wilson likes to see the visitors have fun. She leaves the gates of Clibrig open. Her estate has two miles of drives which wind through rows of tall trees past gardens, orchards and duck ponds.

The shops of St. Andrews aren’t striking from the outside but, in a way, they are a tourist attraction too. O’Neill’s grocery store, which dates from 1823 and is called the Modem Food Market, is a case in point. It displays delicacies from all parts of the world—Dutch meats, French truffles, j Russian caviar, green turtle soup from the West Indies flavored with Spanish wine, orange-blossom honey from Florida, ravioli from Italy, cheeses from half a dozen countries, and everything imaginable to mix or eat with drinks.

A few doors away at Cockbum’s drugstore there are shelves of costly and exotic perfumes—not the kind usually stocked for a community of fourteen hundred.

Fraser Keay, the mayor of St. Andrews, and Jack Stickney both have china stores with plates priced up to fifty-five dollars apiece and dinner sets priced up to two thousand dollars. Stickney’s shop was started by a relative who wore, on special occasions, a silver suit. For extra-special occasions, he had a gold suit. Among the summer folks of his day was Charles Bonaparte, great-grandnephew of Napoleon, and they vied with each other in sartorial splendor. Charles had a white umbrella.

Another St. Andrews store keeps scores of farm women in funds. It’s the Charlotte County Cottage Craft, an organization run by Kent and Bill Ross. They took it over in 1945 from Miss Grace Helen Mowat, who launched it thirty-five years ago with capital of ten dollars. She revived weaving and other handicrafts among farm wives, supplying them with designs and raw materials and paying them for their finished work. Today it is a thriving enterprise.

Grace Mowat, who has had two books published, is one of St. Andrews’ three authors, the others being David Walker and Guy Murchie. St. Andrews also has more than its share of scientists for it’s the site of the chief fisheries biological station on the Canadian Atlantic coast, with a permanent staff of twenty-five biologists.

Another of the little town’s claims to fame is that it is the biggest lobster shipping centre in North America. Conley’s Lobsters Ltd., founded more than a half a century ago by Edward Conley, who is now in his eighties, buys about six million pounds of live lobsters a year and expresses them as far away as the Pacific coast. Most of the hotels, restaurants and night clubs in Canada and the U.S. serve Conley lobsters.

In the summer in St. Andrews the natives are too busy catering to vacationists to enjoy the weather or the scenery, but in winter, when the Algonquin and all but a handful of the mansions are shuttered and empty, they relax, and groups like the St. Andrews Music, Art and Drama Club come to life. This club won the award for the best costumes in the 1952 National Drama Festival.

The natives prefer the winter. “Summer folks,” one of them explains, “are wonderful people. They’re “u” bread and butter. But the kind we get here can pay for service and want a lot of it —and giving service can tire you out.”

The late Jack Ross, a barber, used to close the season a bit early—unofficially, of course. By mid-August he’d start sitting outside on the steps of his shop, trying to look as though he didn’t know the difference between clippers and a mowing machine. If a stranger asked him when the barber would be in he’d shrug unhappily.

“I couldn’t say.” he’d reply. “That fellow’s so darned unreliable you can’t depend on him at all.” ★

Etiquette for Buying Real Estate

Etiquette for Buying Real Estate choosing a realtor

Most of the time Real Estate Clients don’t mean to break these “rules”, hopefully after reading this you won’t make these mistakes while searching for your first home. Inevitably you will begin your search for a home online, this is normal.  You will notice that Realtors publish a number of homes that are their “Listings”. When you search homes online there will be a “Listing Agent” on that page with a phone number and an email address.  There is nothing wrong with calling or emailing that Realtor who has the listing directly. However, listing agents also act as “buyer’s agents”. A Buyer’s Agent, is a Realtor that assists a prospective buyer in locating homes to go out and view in person. They may show you some of their own personal listings and they may show you other agent’s listings. If you were to call that Listing Agent directly (before calling a buyer’s agent) and they go out and show you a property, technically, you are their client. Any other listings you go out and see, should be with that same agent, regardless of who’s listings they may be. You can waste a lot of time by bouncing around from Listing Agent to Listing Agent.

Buyers sometimes think that they may get a better price going directly to the listing agent, they think that they may get a better deal because that agent won’t have to split their commission. Listing agents are used to splitting commissions with buyer’s agents. Remember this, the owner of the home, who makes the final decision on the sale price, doesn’t really care who is splitting the commission, they only care about the total price they sell their home for. Bouncing around from agent to agent just because they have the listing, will not yield you a better price. What it will do is annoy the local Real Estate Community. It doesn’t matter how big the local market may be, most of these agents know each other, word will get around! Most reputable agents will ask a potential buyer if they have been working with any other agents, this helps them avoid stepping on each other’s toes and helps them maintain their respect within the local community.

Use A Buyer’s Agent To Represent You – From the Start

Your best bet would be to go online and view homes in the area you’re looking in, just to get a feel for home prices and do some basic investigation. Then, prior to calling any agents at all, get a referral from a trustworthy source on a Buyer’s Agent that you can work with through the entire process. Having one agent that assists you through the entire process will certainly help you find the right home, in the right amount of time, for the right price. Following these very simple rules will help you avoid any potential alienation of the local Real Estate Agent Community. Another reason to use a buyer’s agent, you don’t have to pay them a dime for their work! The seller of the home always pays the commission to the listing and buyer’s agent.

Full Article from Poli Mortgage

Moving to Tropical Canada

Waterfront Lots for Sale

You read it right … “Tropical Canada”.

We learned about this bizarre phenomenon in the early ‘90s while on vacation in Montreal. It happened innocently enough while my husband Ken and I were riding a public bus back to our downtown hotel after a frenzied shopping spree. During this 20-minute interlude, upon learning that we were visiting “Yanks” from West Virginia, a cordially loquacious elderly gent shared his fondness for all things Atlantic Maritime.  

His enthusiasm centered upon the mild weather and shellfish wonders of this undiscovered region to the East. During his eloquent oratory, he “imprinted” upon us the absolute necessity of visiting “the tropical part of Canada,” where amidst swaying palms the lobsters virtually jump ashore and the seafood delicacies exceed a gastronome’s wildest dreams. On and on with contagious gusto, he extolled the virtues of little-known Maritime Canada comprised of the provinces of New Brunswick, Prince Edward Island and Nova Scotia, a landscape of windswept rocky strewn shores and remote Celtic villages. The encounter with him was unforgettable.

A year later when the grind of our professional lives required time off to reboot by exploring new territory, I suggested a jaunt up the Maine Coast, an area of the States I hadn’t visited, and also a visit to that “tropical part of Canada.” Now Dr. Ken, a rural sociologist who grew up in Washington State showing animals at Canadian fairs and mixing with Canadian in-laws, said emphatically, “There’s no such thing as Tropical Canada! Still, he promised to search the net to see what he could learn about the Maritimes and said he’d “report back.”

A few days later he shared his due diligence: “The only thing I can come up with is that the Bay of Fundy in New Brunswick has waters as warm as Virginia Beach … so perhaps the water tempers the coastal climate…”  He also reported that this region has the highest tides in the world and the richest marine life, including lobster, mussels, scallops, oysters, all sorts of whales and sea vegetation. Moreover, he noted that New Brunswick is the sunniest Canadian province in winter and the only official dual language province. So much for facts; seeing is believing.

So mid-July came and we set off in the car waving goodbye to our five Jack Russells and their babysitter to explore this coastal territory. We were armed with a loose itinerary and warnings from owners of Maine cottages about avoiding that State’s summer gridlock along tourist trap towns. We were directed to visit New Harbor, a lovely remote destination with an authentic sea captain’s inn, rustic cottages, and popular outdoor fresh lobster and seafood restaurant perched on a picturesque pier.

Departing our home the afternoon of July 4th we were regaled with a fireworks display in Pennsylvania and the next day were captivated by Maine’s rocky seascapes and New England architecture not to mention the quaint antique shops on every gentleman’s farm.

So far … so good: our coastal expectations were meeting anticipation. However, an sudden onslaught of ragweed rhinitis attacked the second day, rendering me an oozing, sneezing zombie.  Always when the ragweed pollen hit West Virginia in late August, we left for Europe to save me from this pestilence. But here in mid-July on Maine’s breezy coast, ragweed pollen was ruining my vacation fun.

We continued to plod north to the ”tropics” with me nodding out in the passenger seat on OTC allergy meds knee-deep in wet tissues and my husband doped-up on internet info on tourist sites. We thought we’d head up to St. Andrews by-the-Sea, described as a artsy resort favorite, and then drive through the St. John Valley, along the Fundy Coast, and if time allowed, we’d venture up to Shediac for some French ambiance and lobster.

When we hit Calais, Maine, the international border town that crosses into St. Stephen New Brunswick 2-1/2 hours from Bangor, we missed the border crossing turn and ended up entering Canada further north at McAdam. Driving for miles and miles in heavy forest; it was hot and humid with the only diversion black flies pelting our windshield. I almost forgot the occasional trailer enclave replete with a rust bucket on blocks, a few clear-cut areas, and the ominous Georgia Pacific signs. This eerie almost Appalachian scene reminded us of the “West By-God-Virginia hollers” we’d left behind.

By this time we realized we were way off track and that this dumb detour had cost us valuable time, so at the first intersection we headed south on Rt. 127 toward St. Andrews. We raced the sunset south. Our frustration was palpable in the silence. (I always feel anxious when we arrive at a new destination at night without a place to stay.)  As dusk closed in we found ourselves driving along the St. Croix River where the cool evening sea breeze and ephemeral glimpses of the St. Croix River signaled a very different terrain, buoying our anticipation. In the middle of the river, we spied the tiny St. Croix Island, where 400 years ago Explorer Pierre Dugua Sieur de Mons and Cartographer Samuel Champlain arrived with a ship full of French settlers and supplies to establish the first European settlement in Canada, only to be decimated by scurvy; ironically the few survivors were saved by the very Indians they feared.

Entering St. Andrews was like entering a fairyland; a pristine 18th-century New England fishing village moored in time with sea glass colored buildings on quaint Water Street with its nautical street lights and colorful hanging baskets and window boxes. King Street’s imagination-perfect church steeples and perfectly preserved clapboard homes continued down to the bay where bright fishing boats and sloops bobbed expectantly.. After our Twilight Zone afternoon, we felt our optimism lift and even my allergy symptoms disappeared into the enchanting evening.  With our luck running we secured the last room at the renownedFairmont Algonquin Hotel, a huge castle-like Tudor resort property on a hill overlooking the town with immense Victorian gardens that in itself was worth the trip.

After checking in we were “some hungry” in the Canadian idiom. Being tried and true “Euro-philes” we searched out a small gourmet restaurant. We trotted briskly through town noting the historic architecture to the L’Europa, reputedly one of the best Continental restaurants around. It was an unusually slow night,  so in addition to superb continental cuisine (Las Moras organic Argentinian wine, silky lobster bisque, duck a’ L’orange, venison in red currant sauce, and checkered chocolate mouse cake for desert), we enjoyed the gracious hospitality of Simone and Markus Ritter, the young German proprietors. The vivaciously attractive Simone, an artist,  and the astute Chef Markus told us how much they loved living in St. Andrews and how they had been lured here by a German guide advising that the Maritimes offered the most opportunity in Canada for restaurant start-ups. After thoroughly researching the region, they told us they had decided on St. Andrews for its tourism potential and quality of life.  

Talking to them fondly reminded us of a former German partner in my marketing firm, so toward the end of our conversation and quite out of the blue, I said, “We should look at property tomorrow”. My adventuresome accomplice for 30+ years agreed spontaneously, his compliance lubricated by the good wine and conversation and knowing it wouldn’t matter what he said. I still don’t know where the idea came from … and now in retrospect I can only characterize it as “a true calling” of Biblical proportions.

Immediately Simone produced the business card of a highly recommended Realtor, an oddball Maritime character whose quirky charm defies description. And as they say, the rest is history.

The next day after seeing only three properties, one of which wasn’t even listed, we placed an offer on a stunning 2-1/2 acreparcel of land in an older subdivision just north of town, called The Glebe as it was formerly church-owned land. This verdant parcel formerly and apple orchard overlooking an azure bay was absolutely perfect with its perimeter birches, Tamarack, spruce and alders, ferns, rock outcrops and even a stream. Waterfront property with an island in view, but nothing manmade in sight. The idea of a shoreline property right on the Passamaquoddy Bay overlooking Minister’s Island — at about a quarter the price of anything we had seen in the real estate guides in Maine — thrilled us. Considering the favorable exchange rate, the property price was the equivalent of US$60,000 and the property taxes were negligible ($800/year).

Over the next few days, we explored every nook and cranny of St. Andrews, wandering through the spectacular 50-acre Kingsbrae Gardens, attending an exhibit at Sunbury Shores Arts and Nature Centre, shopping at the Thursday Farmers Market, and ogling the art galleries and clothing boutiques. We talked to helpful residents and were waited on by polite, articulate teenagers, an oxymoron we had thought.

We devoured  tourist books and local novels to understand the historical and cultural facets of this special place. We learned that during the Revolutionary War when trade between Britain and the Colonies was curtailed, St. Andrews port was littered with scores of transatlantic sailing ships making a well worn triangular circuit  that involved transporting New Brunswick hardwood to Britain, delivering tea, spices and fabrics to the Caribbean, and sailing home with a full hold full of rum. Wealthy sea captains and merchants built stately homes high on the hill above the more modest timber homes shipped intact to St. Andrews by the anti-Revolutionary Loyalists, escaping to Canada from Maine. When the War ended, St. Andrews trade with Britain had to compete once again with the American colonies, but the town retained its wealth and prominence into the 19th century as a popular seaside resort for affluent industrialists from Boston and Montreal who arrived by train.

The elite came to enjoy the cool summers and famous “lack of hay fever” along with the stylized social life centered around outdoor and indoor entertainment, including theatre performances, tea dances, art classes, casino play,  golf, tennis and boating. They came for the seafood and whale watching, the picnics overlooking the gorgeous seaside vistas, the garden tours, and I imagine a bit of social climbing centering around, where else, but the Algonquin Hotel.

We observed through leisurely walks and museum visits that whether through great city planning or a magical time warp,  this lovely village of 1,700 had maintained its historical aura and had thwarted overtures from corporate chain stores and high-rise condo developers. In a clamshell, St. Andrews still possessed the quaintness, charm and cultural leanings that had made it so popular with the upper crust in the past and now with tourists in the present. And yes, we discovered in those days of old,  they used lobsters in the fields as fertilizer, so our Montreal friend wasn’t fabricating a lot 

We spent our evenings at a dinner theatre performance (a hilarious modern take on a Shakespearian comedy written and performed by locals), took in a maritime musical group fiddling the night away at a downtown pub – and a free Town Square concert by the popular band “Hot Toddy.”  We ate at the now famous Rossmount Inn where Chris Aerni, a Swiss Chef, has won accolades for his inventive gourmet cuisine using local produce and ingredients like Dulse (seaweed), fiddle heads, oysters, balletto mushrooms and maple syrup. We ate crepes in town, bought prints and books by local artists and authors, and stuffed our suitcase with sea glass jewelry and metallic fish. We checked out the Sir James Dunn Academy, a high school with top honors in the Province, and the community college whose hospitality program draws students from Mexico, China and South America. While drinking lattes and eating scones al fresco at the Sweet Harvest natural foods bakery and restaurant on Water Street, we wrote colorful picture post cards featuring humpback whales, round-eyed puffins, meandering moose and  languishing lighthouses to friends and family. We exalted the town and eluded to our new property, which we really hadn’t a clue yet how we would use.

We explored the old fashioned grocery and hardware stores for lifestyle clues and met all sorts of well-traveled people from Switzerland, Australia, Toronto, Europe, Montreal and the States, some who return every summer and others who had moved here year-round. At the internet café by the Laundromat, Ken discovered that St. Andrews’s latitude is the same as Portland, Oregon … not quite tropical.

Residents regaled us with tales of the vibrant winter social scene and cold weather fun when the tourists evaporated and the town was reclaimed by the locals. Activities from curling teams and ice skating to community theatre and dine-arounds. They mentioned the 3 weeks holiday activities involving the entire town leading up to Christmas and Boxing Day. We were graciously invited to a new million dollar villa built by a Toronto business couple to see their builder’s craftsmanship and get advice on the building process over a nice bottle of Cab.

At our neighbor’s home we sampled their home made wine and beer on their massive deck, basking in the perfect summer sun – the light reminding us of Provence –and witnessed an incredible spectacle: an osprey and eagle overhead maneuvering like fighter jets over the Osprey’s freshly caught salmon still dripping from the sea. OMG!  We toured our new neighbors’ incredible organic vegetable garden popping vine-ripe hardy kiwi in our mouths like grapes (not quite tropical, but getting closer). It turned out that our well-read neighbors, a French NBer and Anglo-Ontario blended couple, were world-renowned lobster and haddock scientists with well spoken teens. And like us they loved to cook and party. On their kitchen counter we noticed the papaya and baguette – the latter a trapping of their exchange student from Montreal – and left with a generous portion of delectable homemade gravelox, made from locally farmed salmon. We also sampled a tin of the famous New Brunswick brand sardines from nearby St. George a delicacy that in former days was exported to France for a King’s ransom. Unfortunately we didn’t have time to join them on a fishing trip on their 40-ft boat. We discussed the DaVinci Code  that we all had recently read and talked of our children’s career aspirations. But where was the TV?  

In our short but revealing visit to St. Andrews, it was impossible to ignore the many lifestyle clues that that this place was pretty sophisticated under its casual trappings of Birkenstocks, toques, and fleece. We smugly concluded after extending our St. Andrews time to almost a week (so we could go whale watching on a catamaran  try kayaking, and try fly fishing on the Chamcook Lake)  that this must be the most charming and unspoiled coastal community in North America …a safe haven full of interesting, international people with a vibrant arts and culture bent, where people were eco-activists and education and families were top priorities.  A place where even the teenagers were polite!

Returning home via the Quoddy Loop Route  we took the Deer Island Ferry and then landing later in Campobello Island where Roosevelt had his picturesque summer home – truly a page out of a L.L. Bean catalog—and now an international park.

Back in West Virginia, when we told our friends of our property purchase (and impending move to Canada), they were shocked. Our friends and family knew that we were thinking of relocating abroad when we retired in a decade probably to Provence or Tuscany since we returned there every year on vacation. But moving north, becoming “expats” in Canada — especially in “tropical” Maritime Canada — was off all of our radar screens until the infamous exploratory trip north.  And like us most of our friends had no clue where this tropical area in Canada was located. So we started carrying a map of the Northeast to point out that St. Andrews was just 20 minutes from Calais, Maine.

In the next year, the fates moved rapidly in our favor — our house and 20 acres in the WV hollar sold in record time and within the next year we found plans and started building a lovely one-storey home on our New Brunswick property. After living in a cramped townhouse with the five Jack Russells for a year in WV, we purchased a 5th wheel so we could be present on our property during the last month of the construction. In spite of references, contracts and trips up to review programs, plans went awry with the builder declaring bankruptcy and for the next six months we finished the house ourselves. This stressful period tested our marriage and our commitment to St. Andrews, but both survived and flourished as a result.

With the help of the NB Provincial Nominee Program, we were granted “landed immigrant” status (in record time—less than six months), affording us most of the rights and privileges of Canadian Citizenship.  I started a Canadian marketing company; working from home, similar to my U.S. firm and within a year had developed challenging New Brunswick and Maine clientele. Because of our financial hit on the house, Ken went back to work and continues to enjoy his position as  Dean of Academics for a newly established graduate school of business, based in nearby Fredericton, the provincial capitol, commuting only one day a week.

Fast-forward 5 years later and we are dual citizens developing an eco-friendly 25-acre  subdivision called Estate St. Croix (www.estatestcroix.ca in St. Andrews, and loving every minute of our life in Tropical Canada. We both still work, but also find time to golf, kayak and tend an acre garden full of perennials, roses and organic produce and socialize regularly with six terrific couples. We organize a Chamcook community picnic in the summer.

Active in the community, we enjoy many cultural offerings like the tango lessons  offered by the St. Andrews Arts Council (one of 25 summer courses from opera singing to fiddle playing) and attending painting classes and learning stone masonry at Sunbury Shores. We frequent community theatre, chorale performances, art films and Maritime music, often with the scores and plays penned by local people. The town is truly a magnet for artistic expats. The business community embraced me and I’ve enjoyed serving on the boards of the Rotary, the Chamber, and a youth organization. I also participate in a 35-member Garden Club whose July Gardens by the Sea Tour featured my from-scratch garden last year.

Now totally absorbed in our new life, with more close friends, civic involvements, and business opportunities than we ever could have imagined, we are seasoned (not seasonal) residents of Tropical Canada and true-North residents. Indeed, we have a month more of winter than we did in the mid-Atlantic (garden zone 5 as opposed to 6), but we’re so busy with our enriched lifestyle that we hardly notice.

Ken has learned to carve birds and make fabulous Chianti and Sauvignon Blanc, which our many visitors find quite palatable. Most of our retired friends (and those who work with a laptop) up here take a breather from the winter cold to somewhere balmy (like Florida, South Carolina, Cuba, the Dominican or Argentina)  for anywhere from a couple of weeks to a couple of months. The weather at our coastal home on the water is tempered by the bay so it isn’t as bad as inland parts of NB, and in the summer our temperatures rarely rise above 80 degrees with a lovely breeze every afternoon – a pleasant alternative to the heat and humidity of the D.C. region.

Like Garrison Keller says, “Here all the men are rich; the women are good looking, and the children above average.”  Every year we feel more at home and frankly in love with our Tropical home. We’d swear that the weather is getting warmer although we had a record level of snow last winter like the rest of North America. However, with global warming gathering steam, we may well have moved to Tropical Canada!

What we reply to the locals who ask us why we moved here is “Yes, Charlotte, there is a Tropical Canada, a warm, inviting place visitors feel compelled to come to and once here never want to leave. It’s called St. Andrews by-the-Sea (and by coincidence our County is called Charlotte).

Since we arrived, we’ve seen an increasing number of “expats” move to St. Andrews each year from the lower 48, including a Harvard professor, a best selling author, a horticultural educator, a former World Bank executive, and a distinguished international leader on African development from D.C. Of the 100,000 people from the U.S. who move to Canada annually, we are getting our share. In fact, for the first time in two decades, New Brunswick is experiencing a population increase from the influx of immigrants from many points on the international compass like the U.S., China and Britain, and India.

Frankly, we’re getting a little worried that our friend in Montreal has been spending too much time on the bus chatting to gullible strangers about Tropical Canada.

By Mary Colburn-Green. Expat  mary@marketingsolutions-us.com  (Mary Colburn-Green is President of Marketing Solutions/ATLANTICA, Inc.)