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Canadian Armed Forces
on the move
a guide to relocating
2017
Forces armées canadiennes
en déplacement
un guide pour la relocalisation
Posted to Winnipeg
and surrounding areas in 2017?
KELLY CLEMENTS
PROUDLY SERVING OUR MILITARY
FAMILIES WITH:
• Complimentary Relocation Package
couriered to you within 24 hours
• 23 years of experience
• Personal prospecting web site – get
up to the minute listings emailed to
you daily
• Assisted more than 2,000 buyers
and sellers
Kelly Clements
Toll free: 1-877-778-3388 S.R.E.S., C.E.R.C
Business: (204) 987-9808 The Clements Group
Registered Relocation Specialist
www.theclementsgroup.ca
Seniors’ Real Estate Specialist
kelly@theclementsgroup.ca Canadian Employee
Relocation Council
Re/Max Executives Realty
3505 Roblin Blvd, Winnipeg, MB
R3R 0C6
BUYING OR SELLING...
WE MAKE IT A STRESS FREE MOVE WITH THE CLEMENTS GROUP
on the move On The Move: A Guide to Relocating is
created especially for military families
preparing to move to a new base or wing.
a guide to relocating
Within the guide, you will find helpful tips to make
your moving and buying experience a positive one.
Educating yourself every step of the way will ease your
stress, and make posting in and out trouble-free.
Dozens of businesses in this guide are set to help you
with your move. Discover what they can do for you,
and support these businesses that support you, the
military family.
index
About Your New Base
british columbia Quebec On the Road with Pets . . ......................... 25
CFB/BFC Esquimalt . . ................................. 6 CFB/BFC Valcartier ................................. 72 Home Insurance Tips . . ............................ 27
CFB/BFC Comox ..................................... 19 CFB/BFC Bagotville ................................ 76 Post Living Differential .......................... 31
CFB/BFC Montreal . . ................................ 79 Why Use a Realtor® ................................. 34
alberta
Hot Kitchen Trends . . ............................... 38
CFB/BFC Edmonton .............................. 29 New Brunswick
Winter Home Inspections . . ................... 45
CFB/BFC Cold Lake ................................ 35 5 CDSB/BS 5 Div CA Gagetown ............. 80
Letting Go . . ................................................ 48
CFB/BFC Wainwright ............................. 37 Nova Scotia When Disaster Strikes .. .......................... 57
Manitoba CFB/BFC Greenwood . . ........................... 84 Tax Relief for First Time Buyers ........... 60
CFB/BFC Shilo .. ........................................ 39 CFB/BFC Halifax . . .................................... 87 Tips on Buying or Selling a Home ....... 64
CFB/BFC Winnipeg ................................. 40
Editorial Disaster Proof your Home .................... 81
ontario Kitchen Flooring Ideas ........................... 82
CF Newspapers ........................................... 5
CFB/BFC Borden ..................................... 42 Benefits of an Experienced Agent ..... 83
Helpful Tips for Relocating ...................... 9
CFB/BFC Meaford ................................... 46 MFRC Listings .. ......................................... 90
About the Home Buyers Plan ............... 10
CFB/BFC North Bay .. .............................. 47
Is Home Ownership Right for You? . . ... 12
CFB/BFC Trenton .................................... 50
Military Lifestyle 101 .. ............................. 14
GARRISON Petawawa .............................. 52
Increase the Value of Your Home ........ 17
CFB/BFC Kingston . . ................................ 63
Inspect Your Roof . . ................................... 21
CFSU/USFU Ottawa ............................... 65
DIY Fix-Ups ............................................... 23
GARRISON Toronto . . ................................. 70
brought to you by the
canadian forces
newspaper
association
explore
your base
legend
navy
air force
army
hq
yukon
northwest nunavut
territories
british labrador
columbia
alberta newfoundland
saskatch- manitoba
3 4 ewan
quebec
1 17
6 ontario 12 16
2 14
5
21 13 15
9 11
10
19
20 18
7
8
1 19 wing comoX 2 CFB ESQUIMALT 3 CFB EDMONTON 4 4 WING COLD LAKE
5 CFB SHILO 6 17 WING WINNIPEG 7 CFB BORDEN 8 8 WING TRENTON
9 Garrison 10 22 WING NORTH BAY 11 GARRISONS ST-JEAN 12 3 WING BAGOTVILLE
PETAWAWA AND MONTREAL
13 CFB VALCARTIER 14 CFB GAGETOWN 15 CFB HALIFAX 16 14 WING GREENWOOD
17 CFB wainwright 18 CFB kingston 19 CFB meaford 20 Garrison toronto
21 CFSU Ottawa
defence HQ
4 On The Move: A Guide to Relocating
canadian forces Get connected to your
Newspapers new community.
Le Journal Adsum Servir
Valcartier Garrison, QC St-Jean and Montreal Garrisons, QC
www.journaladsum.com www.journalservir.com
The Aurora The Shilo Stag
14 Wing Greenwood, NS CFB Shilo, MB
www.auroranewspaper.com www.cafconnection.ca/Shilo/In-My-Com-
munity/Shilo-Stag-Newspaper
Borden Citizen
CFB Borden, ON Totem Times
www.cafconnection.ca/Borden/ 19 Wing, Comox BC
In-My-Community/Newspaper.aspx www.cafconnection.ca/Comox/In-My-
Community/Newspaper-Totem-Times.aspx
The Contact
8 Wing Trenton, ON Trident
thecontactnewspaper.cfbtrenton.com CFB Halifax, NS
The Courier Le Vortex de Bagotville
4 Wing Cold Lake, AB 3 Wing Bagotville, QC
www.thecouriernewspaper.ca www.vortexbagotville.com
Lookout The Voxair
CFB Esquimalt, Victoria, BC 17 Wing Winnipeg, MB
www.lookoutnewspaper.com www.thevoxair.ca
North Bay Shield Western Sentinel
22 Wing North Bay, ON CFB Edmonton, AB
www.cafconnection.ca/North-Bay/
The Guard of Honour
In-My-Community/Newspaper.aspx
CFSU, Ottawa, ON
Petawawa Post guardofhonour.newspaperdirect.com/
Garrison Petawawa, ON epaper/viewer.aspx
www.petawawapostlive.ca
The Post Gazette
CFB Gagetown, Oromocto, NB
On The Move: A Guide to Relocating 5
british columbia
CFB/BFC
esquimalt
About Victoria sur Victoria
Victoria is located on the southern tip of Victoria est située à l’extrémité sud de l’île de
Vancouver Island, and is the largest of British Vancouver, la plus grande des 6 500 îles que
Columbia’s 6,500 islands. It is known for its compte la ColombieBritannique. Elle est connue
temperate climate, natural beauty, recreational pour son climat tempéré, la beauté de sa nature,
sites, and university and colleges. ses lieux de loisirs et ses universités et collèges.
The city was first settled by Europeans in the Des Européens s’y sont d’abord établis dans les
1840s, and incorporated in 1862. As the capital city of années 1840, et la municipalité a été constituée en
B.C., it is home to the provincial legislature and many 1862. En tant que capitale de la Colombie-Britannique,
government offices. Victoria abrite les édifices de l’Assemblée législative
provinciale et de nombreux bureaux de l’administration.
From 1843 to present, Victoria has been a naval city
and today it is the home of the Royal Canadian Navy’s Depuis 1843, Victoria est une ville navale. Elle est
Pacific Fleet. CFB Esquimalt employs approximately maintenant le port d’attache de la Flotte du Pacifique
4,000 military members and 2,000 civilians and is home de la Marine royale canadienne. La BFC Esquimalt
to Maritime Forces Pacific and Joint Task Force Pacific. emploie quelque 4 000 militaires et 2 000 civils, et est
CFB Esquimalt contributes over $500 million to the le siège des Forces maritimes du Pacifique et de la Force
economy through their payroll, supplies, services and opérationnelle interarmées (Pacifique). Elle injecte plus
construction. It is also the third largest employer in the de 500 millions de dollars dans l’économie locale en
area. salaires, en fournitures, en services et en construction.
La base est également le troisième employeur de la
CFB Esquimalt is close to numerous golf courses that région.
are open year-round, and is also only a few hours from
world-class skiing and snowboarding (Mt. Washington La BFC Esquimalt se trouve à proximité de nombreux
and Whistler), as well as great surfing (Tofino) and is only terrains de golf ouverts toute l’année. Elle est à quelques
minutes from rock-climbing (Fleming Beach). heures de route de stations de ski et de planche à neige
de calibre mondial (mont Washington et Whistler). On
The current population of the Greater Victoria Area peut pratiquer le surf à Tofino, et la base se trouve à
is about 350,000. The core municipalities are the quelques minutes d’un site d’escalade (Fleming Beach).
City of Victoria, Saanich and Oak Bay, followed by the
Western Communities (Colwood, Langford, View Royal, L’agglomération de Victoria compte aujourd’hui plus de
Highlands, Metchosin, and Sooke), and the Saanich 350 000 habitants. Ses principales municipalités sont la
Peninsula (Central and North Saanich and Sidney.) Ville de Victoria, Saanich et Oak Bay; les communautés
de l’Ouest (Colwood, Langford, Vew Royal, Highlands,
Greater Victoria is the southernmost urban area in Metchosin et Sooke); la péninsule de Saanich (Saanich
Western Canada; it is located south of the 49th parallel. Centre et nord, et Sidney).
Le Grand Victoria est la région urbaine de l’Ouest
du Canada située la plus au sud, soit en dessous du
49e parallèle.
6 On The Move: A Guide to Relocating
POSTED IN
to CFB Esquimalt?
Contact me today to book your HHT !
I’m your Esquimalt & Greater Victoria specialist.
I have helped many military families buy and sell homes in Victoria, BC.
When military and their families relocate, the services of a real estate
professional who understands their unique needs and timetables
makes the transfer easier, faster, and less stressful.
POSTED OUT Leaving CFB Esquimalt for a new posting?
I will help you sell your home quickly and can
OF CFB ESQUIMALT? provide referrals to real estate professionals in
your new community. Contact me for a free, no-
obligation market evaluation of your property.
Please contact me today
Jeff Meyer
Personal
Real Estate
Corporation
250.885.2047
www.VictoriaRelocations.ca Jeff@MeyerProperties.ca
POSTED IN OR OUT?
Get pre-approved!
Get Started and Apply Online
Please call today for a FREE personalized mortgage book and 24 hour mortgage approvals
Laurel Loxam www.Laurelloxam.com
250-886-8990
Email: lloxam@mortgagegroup.com
Fax: 1-866-822-6497
On The Move: A Guide to Relocating 7
I have the EDUCATION &
EXPERIENCE to make your
transition seamless.
* A portion of the proceeds from
every transaction from: Military,
Govt., and RCMP personnel will
be donated to the Canadian
Wounded Warriors Society
and The Royal Lepage Shelter
Foundation on closing.
NATIONAL
* Current CIPS Designee
ASSOCIATION
* Relocation Expertise:
OF REALTORS® Local, National, Global
* Posting In or Out,
I've Got You Covered
Devin Bhandar
MILITARY & GOVT. RELOCATION
O: 250.477.5353 | C: 250.508.8948
Coast Capital Realty
Devinbhandar@royallepage.ca
www.devinbhandar.realtor • www.royallepage.ca
1 1 0 - 4 4 6 0 C H A T T E R T O N W A Y , V ictoria , british columbia V8X 5J2
8 On The Move: A Guide to Relocating
Helpful Tips Brought to you by Devin Bhandar,
Royal Lepage Coast Capital Realty
For Relocating
To Your New Base
Relocating to a new base and new city through the Brookfield IRP can be
both exciting and daunting when the prospect of purchasing a new property and
moving all of your belongings and family to a new city are involved.
Go to the Brookfield website to seek information about
the Canadian Federal Government Integrated Relocation
Program. Brookfield is the current service provider for
this program.
Locate the Annual Posting Season (APS) Directives from
the Canadian Armed Forces.
It is here that you will discover how to register and
proceed through the program, as well as some general
information on exactly what benefits you are entitled to.
Once you have received your posting message make an
appointment with Brookfield. Now you will get more
specific information on your entitlements and how to
proceed.
After your appointment, Brookfield will send a moving
company representative to measure the amount of
goods you will be transporting in your move.
Schedule a house hunting trip to locate a property that
you wish to purchase. The realtors in this guide are a great
place to start as they are already BIG military supporters!
BACHELOR,
BACHELOR,
BACHELOR,
1, 2 &
1,32 BEDROOMS
&1,32BEDROOMS
& 3 BEDROOMS
• Clean
• New Family
Family
• Clean
Family
owned
owned
owned
and
and• comfortable
• New
Clean
and
operated,
and
and comfortable
Front•Front
Loading operated,
operated,
and comfortable
New Loading
Front
Machines
Loading
Machines our
ourour
Machines
• Fullybuildings
buildings
- Laundry
buildings
- Laundry
• Fully
Reno, are
open
are
maintained
are
maintained
- Laundry
• Reno,
open
Fully maintained
24 hrs24
open
Dishwashers
Reno, with
with
with
pride!
hrs 24 hrs
Dishwashers
Dishwasherspride!
pride!
Family owned and operated, our buildings are maintained with pride!
• Monitored
• Heat
• Monitored
• Heat
• Security
Monitored
and •hot
and
Heat
Security
water
hot
and
Cameras
Security
water
Cameras
included
hot water
Cameras
included
included
Bachelor, 1, 2 & 3 Bdrms
• Clean and comfortable
• New Front Loading Machines
- Laundry open 24 hrs
• Fully Reno, Dishwashers
• Monitored Security Cameras
• Heat and hot water included
Seniors & Military Rates Offered 948 948 948
ESQUIMALT
ESQUIMALT
948 ESQUIMALT
RD.RD.RD.
ESQUIMALT RD. 980WORDSLEY
980 980 WORDSLEY
980
WORDSLEY ST.ST.
WORDSLEY ST. ST. BURNSIDE/TILLICUM
BURNSIDE/TILLICUM
BURNSIDE/TILLICUM
BURNSIDE/TILLICUM
Sauna,
Sauna,
Sauna, fitness
fitness
Sauna, room.,
fitness
room.
fitness
room.5 min. drive/ Backs
room. Backs onto
Backs aonto
quiet
Backs
onto a residential
onto
a quiet a quiet
quiet Ideal Location
Ideal
Ideal Ideal
Location
Location Location
5 min. 10
5 min. min.
drive/10
5 min. walk
drive/10 to CFB
drive/10
min.min.
walk Esquimalt
min.
walk neighborhood
walk residential in Esquimalt
residential
residential neighborhood
neighborhood
neighborhood Non-Smoking
Non-Smoking Bldg
Non-Smoking
Non-Smoking BldgBldgBldg
to CFB
to CFB
Esquimalt
to CFB
Esquimalt
Esquimalt in EsquimaltCheck out our website for other
in Esquimalt
in Esquimalt
250•361•3690 vacancies in the Greater Victoria area:
100 - 3185 Tillicum Road, Victoria, B.C. V9A 0C7 Toll Free 1•866•217•3612 www.eyproperties.com
On The Move: A Guide to Relocating 9
about the
Home Buyers Plan
The Home Buyers Plan (HBP) is a Canadian federal government program that helps Canadian residents buy a home
for the first time. With the Home Buyers Plan you can take up to $25,000 out of your Registered Retirement Savings
Plans (RRSPs) without having to pay taxes on the funds if you are buying your first home. If you buy a home with
your spouse or another person you could both withdraw $25,000 under the plan. The plan can also be used to buy a
home for a relative who is disabled, although the conditions are slightly different.
Starting two years after your withdrawal, RRSPs Eligible for the Home Buyers Plan Repaying Your RRSP Withdrawals for
you get 15 years to repay the money to the Home Buyers Plan
your RRSPs without incurring taxes. If Locked-in RRSPs and group plans do not
you don’t pay back the required amount allow withdrawals. The best thing to do is You have 15 years to repay the amount
in any year, then it is considered taxable to check with the issuer(s) of your RRSPs you withdrew from your RRSPs. Repay-
income for that year. You can pay back at to find out which of your RRSPs you will ment starts the second year after your
a faster rate if you wish. The repayments be able to use for the Home Buyers Plan. withdrawals. Each year you have to repay
do not affect your RRSP contribution 1/15 of the total amount you withdrew.
Homes Eligible for the Home Buyers Plan You can repay more each year if you like.
limit for a given year.
Just about all homes in Canada qualify In that case you would be required to pay
There are quite a few conditions for for the Home Buyers Plan. The home the balance owing divided by the number
the Home Buyers’ Plan, but they are you buy can be either a resale or a newly of years left in your plan. If you don’t re-
reasonable and some are even lenient. built home. Townhouses, mobile homes, pay the amount required, then you must
condos, and apartments in duplexes are declare the unpaid amount as RRSP in-
Who is Eligible for the Home Buyers Plan come and pay applicable taxes.
all fine. With cooperative housing, a share
To be eligible to withdraw money from that gives you an equity interest qualifies, You must file an income tax return each
your RRSPs under the Home Buyers Plan: but one that only gives you a right to year, and complete Schedule 7, even if
tenancy does not. you have no taxes to pay and no income
• you must be a Canadian resident
How to Withdraw RRSP Funds for the to report.
• you must be the plan owner of the
RRSP(s) Home Buyers Plan Each year, your income tax Notice of
The process of withdrawing RRSP funds Assessment or Notice of Reassessment
• you must have a written agreement
is quite simple: will include the amount you have repaid
to buy or build a home
to your RRSPs for the Home Buyers Plan,
• you can’t own the home for more • Fill in Area 1 of the Canada Revenue the balance left, and the amount you
than 30 days before you withdraw the Agency Form T1036. have to repay the next year.
money • Take the form to a representative of More on the Home Buyers Plan
• you must intend to occupy the home your RRSP issuer and have him/her fill
as your principal place of residence in Area 2. The RRSP issuer will release For detailed information on the Home
less than a year after you make your the withdrawal funds to you without Buyers Plan see the Canada Revenue
withdrawal withholding tax. Agency Guide Home Buyers’ Plan (HBP)
www.cra-arc.gc.ca/hbp/. The guide in-
• you must not have a balance left from • At income tax time, you will receive a
cludes information on the Home Buyers
previous participation in the Home T4RSP tax slip which will show your
Plan for people with disabilities, and for
Buyers Plan withdrawal.
those who are buying or helping to buy a
• you must be a first-time home buyer. • You must file your income tax return. home for a relative with a disability.
You are considered a first-time home Attach the T4RSP slip and also
buyer as long as you or your spouse or complete Schedule 7 - RRSP Unused
common-law partner has not owned Contributions, Transfers, and HBP
a house as your principal place of resi- or LLP Activities. Do not report your
dence for four years beginning Janu- withdrawals on any other part of your
ary 1 of the fourth year before the income tax return.
year you withdraw the funds.
10 On The Move: A Guide to RelocatingFOR A FREE CONSULTATION CALL
250-386-8181
800.255.3411
For Your Real Estate Dreams Victoria's Real Estate Experts
More than 4,000 dreams fulfilled! Go with those who know!
Ron Karie Steve April BJ Scott Duncan Jamie Randy Nathan
IRP Experienced, Approved, Recommended
Serving Greater Victoria and CFB Esquimalt
as well as Southern Vancouver Island Including Victoria West, Saanich (East, West, Central and
North), Sidney, Oak Bay, Westshore (Langford, View Royal, Colwood, Highlands, Metchosin,
Sooke), Shawnigan Lake, Mill Bay and Cobble Hill.
When posted to/from Vancouver Island our
Relocation Experts are on side for you!
Brookfield Approved RE / MAX Alliance Victoria
Find your dream home with us today.
Victoria – CFB Esquimalt
Serving Greater Victoria since 1991 www.RonNeal.com
On The Move: A Guide to Relocating 11Is home
ownership
right for you ?
With skyrocketing prices in many major Are you prepared for the unexpected? Just because
cities, owning a home has become more of an option interest rates are low now doesn’t mean they’ll stay that
than a given. For some, homeownership is the best way forever. If you buy, make sure you’re in a position
investment they’ll ever make, while it’s not the way to to afford higher interest rates down the road. Always
go for others. Here are some questions to ask yourself use rate comparison sites such as LowestRates.ca
before taking the plunge. to keep your eye on rates and stay informed about
the mortgage climate. And speaking of unexpected
Do you really want to own? It sounds great, but costs, don’t forget to factor in the hidden closing
are you sure you want to be a homeowner? It’s not costs including legal fees, the land transfer tax, and
only a huge expense, it’s a lifetime of maintenance, Canadian Mortgage and Housing Corporation (CMHC)
renovations, paperwork, and dealing with neighbours. insurance.
Remember that ownership isn’t the only way to build
equity. Regular retirement contributions can also serve Are you where you want to stay? Although playing
you well down the road without the headaches that the buy-and-flip game can be tempting, it’s a very
come with that white picket fence. risky move. There are no guarantees in real estate.
Sage advice says that if you’re in a position to afford,
Can you service the debt? The hardest part of buy in an area where you’re planning to stay. Hopefully
affording a home isn’t saving for the down payment you won’t have to take a loss if you ever do need to
— though that’s not exactly a cinch. It’s affording sell, but buying with the intention of staying tends to
the over 25 years of mortgage payments, property be the safer bet.
taxes, utilities, and home repairs that’ll really test your
finances. Meanwhile, owning a home doesn’t mean Learn more about mortgages at LowestRates.ca.
you can ignore life’s other costs such as retirement, an
emergency fund, travel, education, daycare, vehicles, Courtesy: News Canada
food, and more. So take a good hard look at your income,
deduct regular expenses and contributions, and ask
yourself if you can make the monthly payments.
12 On The Move: A Guide to RelocatingCheck out our blog at
VICTORIA’S RELOCATION EXPERTS CheckCheck livinginvictoriabc.com
out our out
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at website
VICTORIA’S RELOCATION EXPERTS Check out
livinginvictoriabc.com our blog at
VICTORIA’S RELOCATION EXPERTS www.mcleanrealestategroup.ca
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Victoria GiveGive
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to Victoria Give Us a Call
Jodi Geoff Darren
Victoria's Real Estate Experts
Phone: 250.744.5551
Toll free: 1.800.663.2121
WWW . GEOFFMCLEAN . COM 4440 Chatterton Way,
Phone: 250.744.5551Victoria BC V8X 5J2
4440 Chatterton Way Victoria, BC V8XToll
5J2
Phone: 250.744.5551 free: 1.800.663.2121
Toll free: 1.800.663.2121
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4440 Chatterton Way Victoria, BC V8X 5J2
www.mcleanrealestategroup.ca
4440 Chatterton Way Victoria, BC V8X 5J2
On The Move: A Guide to Relocating 13Military Lifestyle 101
connects newcomers
to the community
Kaitlyn Kokoska In addition to the valuable learning
tools the facilitator provides,
Esquimalt MFRC Volunteer the workshop also holds a Q&A
It can be difficult to dive into session, which gives participants
a community with such a long a chance to share their worries
standing history like the military. coming into the lifestyle. What is it
As a newcomer, you might be like to be away from your spouse?
thinking “Where do I even start?” What is it like to raise children
To ease the transition into the as a temporary single parent?
lifestyle, the MFRC hosts a Military Long-standing military families
Lifestyle 101 workshop that offers share their own experiences that
techniques and advice about the provide comfort and reassurance
many successes and learning to the newcomers. Most families
opportunities that happen in used to the lifestyle know that it’s
military families and within the all about perception, especially
community. come deployment time.
The workshop is a great first “You can spend [the deployment]
step if you’re wanting to become being miserable, or you can
involved in the community, and spend it being positive, so build
want to learn about what to a support around yourself,” said
expect as a newcomer. Facilitators one participant in the Fall 2016
go over the basics by explaining workshop.
things like common values of the The overall theme of the work-
military, and the usual dialogue shop was to always be proactive
you might encounter. The long list about your situation.
of acronyms used in the military
can feel a bit like learning a new “It’s okay to ask for help, like don’t
language, but the MFRC support ever think you need to go it alone,”
staff are here to help you through said a military family member in a
all of that and more. Throughout video showcased at the workshop,
the workshop, the facilitators “There are people that are there
familiarize participants with the for you whether it’s your family,
culture and provide information on your friends, the MFRC.”
online resources or informational The MFRC offers many resources
guides. from deployment checklists to
Holly Flower, a facilitator of the childcare support, to counseling
most recent Military Lifestyle 101 services—If you need help, the
workshop in the Fall of 2016 and MFRC, and the community will be
social worker at the MFRC, is al- there.
ways ready to support the families Keep an eye out for the next
in the military community. Military Lifestyle 101 workshop
“We all need to make connections,” this spring for your first step
said Flower, “I like to create a place into an exciting lifestyle full of
of safety, where people can ask opportunities. Even families who
questions and make connections are already familiar to the lifestyle
that people can take even out of can learn something and make
the room.” new connections.
14 On The Move: A Guide to RelocatingWESTHILLS PROUDLY PRESENTS FOUR OF
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On The Move: A Guide to Relocating 15Discover Vancouver Island's
Vibrant Oceanfront Community
Pacific Landing is a multiuse residential
village located on the stunning shores of Esquimalt
Lagoon. Spread across a gently sloping 12acre
estate, Pacific Landing has 650 ft of shoreline, is
surrounded by 500 acres of old growth forest and has
uninterrupted views of Mount Baker, the Olympic
Mountains and Fisgard Lighthouse.
Phase 1:
2 bedroom, 2 bath luxury condos
Yoga studio & fitness room
Cooking theatre & BBQ Pavilion
Makers workshop
Rooftop terrace with ocean views
Complete summer 2017
Register online at www.pacificlanding.ca to learn
about our ownership and rental opportunities!
16 On The Move: A Guide to Relocating4 tips
for increasing the value of
your home
You know your home is an investment and with the recent
rise in property values you may be considering selling in the
foreseeable future. Professional stagers are experts at making
changes that will appeal to the most general home buyer. But
you don’t need a pro to achieve this effect in your own home.
The power of paint. Cut the clutter.
1 No other home improvement project 3 Your goal should be to make your home
delivers a higher return on investment as clean and airy as possible. Remove
than a fresh coat of paint in the perfect personal elements and tidy desks and
colour. Clean and brighter colours inside shelves to exude an easy, elegant feel. To
will give your home a spacious, airy feel truly pull in the highest bids you’ll want to
while a neutral exterior increases curb make visitors feel as if they can live there
appeal. Consider Para Paint’s Princess and move in right away.
Cut PF 57 or Jo Jo Whitewash PF 17 for
indoors; and Humberstone PF 74 for
exteriors, a modern option for your trim, 4 Light and bright.
Proper lighting is key so replace all
garage door or front door. missing pot lights and burned out light
bulbs. Layer lighting so that there is no
2 Focus on the kitchen.
More than any other item in your kitchen,
single point of light. Before visitors come
in, open the shades and turn on the table
cabinets take up the most real estate as lamps and chandelier. Mirrors are a great
they are the largest visual feature. But way to reflect your multiple light sources
you don’t always need to replace them and make your space look larger. After
—simply paint or re-stain the door and that, keep your furniture and accessories
drawer fronts. And don’t forget about minimal and bright. If you have the
hardware as this simple switch can change opportunity to paint older wood furniture,
your look and pull together the room’s white or light grey will do the trick.
style. Change, add, or update lighting, as
it will make all the difference in the overall Courtesy: News Canada
viewing of the space, especially after a
fresh coat of paint. Buyers always favour
a clean, fresh looking kitchen.
On The Move: A Guide to Relocating 17IT STARTS FROM HOME
THE FACTS ABOUT RELOCATION FOR THE MILITARY
Through my strong ties to the Alberta to Victoria in 1994, I No matter where you move, every
military community, I offer clients truly understand the emotional city and every community has
extensive experience with the whirlwind that comes with military unique things to offer. Let’s take
physical and emotional aspects relocation. Victoria for example. Victoria
of relocating. Building on twenty has diverse and welcoming
years of experience, and a true When you relocate, you and your communities no matter where
passion for what I do, I am here to family are moving more than just you might be coming from.
help families moving to or from homes.
Victoria, and get them settled in If you are unsure on what area
their new community. My goal The financial investment is in to move to, allow me to be your
is to make your entire experience your home but other tangible reliable insider, providing you
less stressful and more enjoyable. life investments come into play with local information to help you
as well; leaving friends behind, make the right choice. Distance to
From my experience of relocating changing doctors and schools, work, good schools, shops, quality
from Pakistan to Germany to and reestablishing neighbourhood of life and return on investment
start a family, then to Calgary haunts. Daily routines change and are all points to be considered and
and eventually moving from require time and adaptation. discussed.
YOUR M I L I TA RY R E L O C AT I O N S P E C I A L I S T
AWARD WINNING | TOP PRODUCING
Through my strong ties to the military community, I offer clients
expertise in real estate relocation.
Buying or selling a home? Put my 20+ years
of real estate experience to work for you.
POSTED TO ESQUIMALT?
As your realtor in Victoria, BC, I will:
• Arrange airport pickup service for
your home hunting trip.
• Provide you with a Victoria city
guide and relocation real estate
package, so you can make the most
of your home hunting trip.
• Give your family a $500 gift card
upon home closing.
RASHIDA MALIK
Call or email me today! 2 5 0 . 812 . 4 2 0 9 BUILD YO
Two Half
• Conservatio
rashidamalik@royallepage.ca • All Undergr
• Zoning Perm
• Call for Det
www.rashidam alik.com facebook.com/rlpvictoria @rlpvic
• MLS® 3561
• Lot D $699,
OUS E
O PEN H
BILL VICKY
CHUDYK TURNER
477-5353 592-4422
GORGEOUS OPEN PLAN TASTEFULLY
18 On The Move: A Guide to Relocating
1480 Walnut St. • Open Sat. 2-4pm
Located on a quiet street in the heart of Fernwood.
Rarely found newer, modern home with super open
plan complete with vaulted ceilings. 3BR + Den, 3BA
Wishing a peaceful,
happy holiday season
RARE OPPOR
Almost 2000sqft o
2BA townhouse in
on an easy care 3900sqft lot. Beautiful h/w floors,
to everyone & best 29 unit townho
Langford Lake. Lar
surround speaker system, spacious, bright Kitchen w/
island. French doors lead to a great backyard space.
wishes for 2016 w/wood-burning i
windows & Hardi-
MBR w/walk-in closet, ensuite and shower w/2
shower heads. Within walking distance to parks,
~ Vicky and a fully fenced
pets. A great centrbritish columbia
CFB/BFC
COMOX
About COMOX sur COMOX
Located mid-way up Vancouver Island’s east Située sur la côte est de l’île de Vancouver, à
coast, the Comox Valley offers spectacular mi-chemin entre l’extrémité sud et l’extrémité
natural surroundings. Bordered to the west by nord de l’île, la vallée de Comox offre un paysage
the Beaufort Mountain range and to the east by grandiose. Dans cette région bordée à l’ouest
the Strait of Georgia, 19 Wing Comox members par les monts Beaufort et à l’est par le détroit de
can enjoy mountain and ocean activities year- Georgia, les membres de la 19e Escadre Comox
round. The valley boasts short, mild winters and peuvent pratiquer des loisirs de montagne et de mer
warm, dry summers. There is great skiing in the winter toute l’année. Les hivers y sont doux et courts et les
months and summer brings mountain biking and étés, secs et chauds. En hiver, le ski est fantastique, et
hiking opportunities. Every manner of outdoor activity, en été, il y a plein d’endroits où l’on peut faire du vélo
including golfing, kayaking, sailing and world-class de montagne et de la randonnée. Il est très facile d’y
diving is easily accessible. mener toutes les activités de plein air, y compris le golf,
le kayak, la voile et de la plongée sous-marine de calibre
Made up of three distinct townships, including the international.
town of Comox, the city of Courtenay and the village
of Cumberland, the Comox Valley is a vibrant, growing Formée de trois municipalités distinctes, soit la ville de
community. All levels of schooling from kindergarten Comox, la ville de Courtenay et le village de Cumberland,
through to post-secondary education are available, la vallée de Comox est une collectivité dynamique en
including French Immersion and Francophone programs. pleine croissance. On y trouve des écoles pour tous les
There is shopping, local transit, a new acute care hospital niveaux, de la maternelle au niveau postsecondaire, ainsi
under construction, museums and art galleries in the que des écoles d’immersion française et des programmes
area. francophones. La région offre des magasins, des
transports publics, un nouvel hôpital de soins actifs en
The Comox Valley is serviced by a civilian air terminal, construction, des musées et des galeries d’art.
with regular service to and from Vancouver, Calgary and
Edmonton. BC Ferries has terminals in Nanaimo and La vallée de Comox a une aérogare civile d’où partent
Victoria offering sea links between Vancouver Island and des vols réguliers la reliant à Vancouver, à Calgary et à
mainland BC. Edmonton. La compagnie BC Ferries possède des gares
maritimes à Nanaimo et à Victoria, qui offrent des
19 Wing Comox has enjoyed an outstanding relationship liaisons maritimes entre l’île de Vancouver et la partie
with the Comox Valley since it opened as a Royal Air Force continentale de la Colombie-Britannique.
Base in 1942. Today 19 Wing employs approximately
1,500 military and civilian personnel. 19e Escadre Comox a bénéficié d’une relation
exceptionnelle avec la vallée de Comox depuis son
We look forward to welcoming you to our beautiful ouverture en tant que base de la Royal Air Force en
Comox Valley! 1942. Aujourd’hui, la 19e Escadre emploie environ 1.500
personnels militaires et civils.
Nous nous réjouissons de vous accueillir dans la
magnifique vallée de Comox!
On The Move: A Guide to Relocating 19Comox Valley. Redefining island life.
International Airport • Platinum Golf Course • Pristine Beaches • World Class Ski Resort
Fine Dining • Arts & Culture • Spas • Wineries
Posted to the Comox Valley?
...See Jane
• Enthusiastic & Professional
• Skilled Negotiator
• Trusted Relocation Services
• Brookfield Approved
20 On The Move: A Guide to Relocatinginspect roof
your to put a lid on Scott McGillivray
News Canada
costly repairs
While it’s fun to plan things like new flooring, lighting, or paint, one of
the most important elements of having a roof over your head is, quite
literally, having a functional roof over your head! Your attic and roof
protect your family, your home and everything in it, so make an annual
inspection part of your routine maintenance. Overlooking this important
task can be a very costly mistake that can impact your safety, comfort
and expenses. You don’t have to be an expert to identify a problem.
Insulation: Check the level of insulation within your Ventilation: Proper soffit air intake and roof
attic. Proper levels of insulation can keep temperatures ventilation can extend shingle life and prevent mould,
in check, preventing moisture issues, condensation, and roof rot, and ice dams in winter. Roof and soffit vents,
premature wear of roofing materials. Over time, some baffles and fans are easy to install in just a few hours, but
types of insulation tend to settle and compact, which consider hiring a professional to ensure the best results.
can impact performance. Older homes often have too
little insulation, but that’s simple to remedy. Topping Roof integrity: Inspect the roof for missing, lifted, or
up attic insulation is a straightforward DIY task. Look curled shingles. Look for signs of aging. As shingles age,
for a stone wool batt insulation that can be cut easily you might notice they’ve become more brittle and worn.
with a serrated knife. A popular choice of contractors Curled shingles may be a sign that it’s time to re-roof.
and homeowners alike is Roxul Comfortbatt, because Check for rotted plywood or soft spots on the roof.
it also protects against fire, moisture, and mould. Aim
for a depth of 16 inches (41 cm) or an R-value of 50. Water penetration: Look for dark spots or trails
Insulating properly will improve comfort, while reducing inside the attic and for signs of outside light. These can
energy consumption and heating costs. be indicators that moisture is present, which will require
immediate remediation.
Critters: Look for signs of rodents or raccoons. Points
of entry can cause your roof to leak, while chewing can Scott McGillivray is host of the hit TV series Income Property on
give rise to electrical fires. These uninvited houseguests HGTV Canada, a full-time real estate investor, contractor, author,
can also soil spaces throughout your attic, potentially and educator. Follow him on Twitter: @smcgillivray
impacting air quality. What’s more, they often trample
and compact insulation, reducing its thermal resistance.
On The Move: A Guide to Relocating 2122 On The Move: A Guide to Relocating
to help sell your home
When preparing your home for the market, it’s great to know there
are some relatively inexpensive improvements that can make a big
impact with buyers. Once the fundamentals of a well-maintained
home are taken care of, these easy initiatives can seal the deal.
Clear the decks.
1 Counter space is extremely important 4 Tear up dingy broadloom.
You may be pleasantly surprised by what’s
for buyers. Be sure to store kitchen underneath. Even if you don’t like what
and bathroom items off the counters. you see, replacing broadloom is one of the
Purchase storage baskets in several most economical improvements you can
different sizes to help you clear the decks make when you consider overall return on
in a hurry and minimize clutter. your dollar.
2 Brighten up storage spaces.
Closets and cupboard space are important 5 Paint.
Even high-end interior paints are a bargain
selling features. You can make the most when you look at what can be achieved
of what you have by purging unused with a fresh new finish. Opt for neutral
items and painting a light colour inside colours in matte or eggshell finishes to
cupboards and closets. Adding battery- camouflage flaws in walls. Trim is best
operated lighting is also an inexpensive handled with a white shade of satin, semi-
way to brighten a dark closet. gloss or high-gloss finish.
Courtesy: News Canada
Replace interior room doors.
3 Quickly and inexpensively brighten
hallways and rooms by replacing interior
doors and hardware. New white panelled
doors and hardware can quickly freshen
the home. Look for sales at your local
building centre.
On The Move: A Guide to Relocating 23Let us take the stress out of your move
to beautiful Comox Valley.
We give you our
undivided attention.
250.218.389
mikefisherhomes.com
and associates Personal Real Estate Corporation
Brookfield Approved Agent
Military References Available
MIKE FISHER ANDREA DAVIS
Sales Representative Been there… done that. Sales Representative
Dry
• As ex military and a military wife, weErase Area = both
understand W 20.0” x H 6.5”
Call or Text sides of a relocation to help relieve your stress.
Call or Text
250.218.3895 • We give you the attention you need from our first 250.792.0778
mike@mikefisherhomes.com contact to your sale/purchase and onward. andreadavis@royallepage.ca
Just Friendly, Professional Service
In The Comox Valle
Sign Size: W 24” x H 1
Toll Free: 1-800-638-4226 Proof 3
mikefisherhomes.com NOTE
In The Comox Valley #121-750 Comox Road, Courtenay, BC V9N 3P6 Canada will not
The dotted rectangle
shows the “Dry Erase” area for
• Award of Excellence • Diamond Award • Directors Platinum AWARD • Presidents Gold AWARD • Master Sales AWARD
Also, the larger Grey rectangle
print -it shows the “imprint ar
24 On The Move: A Guide to Relocating space beyond the big grey rec
hidden by the Sign’s FraOn The Road How can I find pet-friendly
hotels for the road?
With Pets
You’ll find a very handy resource in
www.hotels.petswelcome.com/canada
or www.petswelcome.com for the U.S.,
where you can search by city for hotels
that are pet friendly. Plan your route so
that reservations are made in advance
traveling by car? for you... and your pet!
Already packed and ready to move? Here’s how you can keep your pet comfortable and
safe on the road. These travel tips come courtesy of the pet researchers at Purina.
Do not feed your pet for at least three Feed your pet shortly after you arrive
hours before leaving on a trip. at your destination or when you have
stopped for the day.
Take your dog for a walk just before your
start the drive. You will still have to stop Here’s what to put in your pet travel
along the way, but your dog will be more kit: food, water, dishes, can opener (if
comfortable as the trip gets underway. needed), leash, a few treats, favourite toy
and some type of bedding.
During stops, provide fresh drinking water
for your dog. Don’t forget a scooper and plastic bags
for cleanup!
You may also reward it with a dog snack
Reprinted from moving.com
for being a good traveler.
If the drive is eight hours or longer, give
your cat the opportunity to use a litter
pan and offer it fresh drinking water.
On The Move: A Guide to Relocating 25ᰠ吀椀渀愀 愀渀猀眀攀爀攀搀 漀甀爀 挀愀氀氀 昀漀爀 愀 爀攀愀氀琀漀爀 眀椀琀栀 瀀爀漀昀攀猀猀椀漀渀愀氀椀猀洀Ⰰ
欀渀漀眀氀攀搀最攀 愀渀搀 栀攀爀 瀀攀爀猀漀渀愀氀 琀漀甀挀栀⸀ 圀攀 愀爀攀 瘀攀爀礀 栀愀瀀瀀礀 眀椀琀栀 琀栀攀
猀攀爀瘀椀挀攀 猀栀攀 瀀爀漀瘀椀搀攀搀 愀渀搀 眀椀猀栀 眀攀 栀愀搀 挀愀氀氀攀搀 栀攀爀 猀漀漀渀攀爀℀ᴠ
ⴀ 䐀椀愀渀愀 圀漀漀搀
吀愀欀攀 琀栀攀 猀琀爀攀猀猀 漀甀琀 漀昀
戀甀礀椀渀最 礀漀甀爀 渀攀砀琀 栀漀洀攀℀
䰀攀琀 洀攀 琀愀欀攀 挀愀爀攀 漀昀 琀栀攀 搀攀琀愀椀氀猀Ⰰ
愀渀搀 昀椀渀搀 礀漀甀爀 瀀攀爀昀攀挀琀 栀漀洀攀℀
倀䔀刀匀伀一䄀䰀 刀䔀䄀䰀 䔀匀吀䄀吀䔀 䌀伀刀倀伀刀䄀吀䤀伀一
䴀漀戀椀氀攀㨀 ㈀㔀 ⸀㜀㤀㈀⸀㈀㜀㜀㘀
吀漀氀氀昀爀攀攀㨀 ⸀㠀 ⸀㘀㌀㠀⸀㐀㈀㈀㘀
琀瘀椀渀挀攀渀琀爀攀愀氀琀礀䀀最洀愀椀氀⸀挀漀洀
眀眀眀⸀琀椀渀愀瘀椀渀挀攀渀琀⸀挀愀
䤀一 吀䠀䔀 䌀伀䴀伀堀 嘀䄀䰀䰀䔀夀
26 On The Move: A Guide to RelocatingHome insurance TIPS
for first time buyers
Buying a home for the first time is a big decision. One of
the first and most important things to do after deciding
to purchase a home is to secure insurance. Here, Eric
Simtob, president of Restoration 1, gives three simple
tips new homeowners should know when deciding on
home insurance.
Shop around.
No two policies are identical, so do some research to find which
insurance policy works best for you. Ask questions such as: What
is my deductible? Are there claim limits, and if so, what are they?
Know what’s covered in your insurance policy.
Not all disasters that can happen are covered. For example, basic
home insurance policies often don’t cover damage caused by
sewage back-up, or only cover up to a specific amount. Sewage
damage can be extensive and can often result in the homeowner
having to pay for a portion of the repairs out-of-pocket. Take
the time to understand what’s covered.
Know your rights.
Homeowners always have the right to choose who works in
their home. Often after a flood or fire, insurance companies will
insist on sending their preferred contractors. This results in a
contractor who works for the insurance company and not you.
Research the people you want working on your home before
disaster strikes. Online resources such as homestars.ca are
available for you to find the best solution for your situation.
Courtesy: News Canada
On The Move: A Guide to Relocating 27Personal Real Estate Corporation
• Registered Supplier with IRP Relocation
Program /Brookfield GRS
• Extensive experience with military transfers
• Award Winning Real Estate Agent
• Proven custom marketing strategy for
selling your home
TESTIMONIALS
I can’t say enough about Bryce’s Bryce was extremely knowledgeable
professionalism, true caring nature, and we would recommend him as a
and extensive knowledge/connections. realtor. He knew exactly what we
He brings all these qualities to the wanted and gave us great advice as a
table for his clients, not just in the real military family. Bryce was very helpful
estate transaction, but in the transition with sorting out all the arrangements
to your new home /community. Bryce that comes along with buying a house.
answered all of our questions plus The use of his trailer was a huge help,
more. What’s really so exceptional he went out of his way to drop it off
about Bryce Hansen is that he doesn’t and pick it up for us too.
forget you when the deal is done. From
the first day we met him, he was always
there for us when we needed him.
Lorne & Megan Hicks Matt Sukstorf & Grainne Mckenna
Don’t think twice, call Bryce!
28 On The Move: A Guide to Relocatingalberta
CFB/BFC
edmonton
About EDMONTON sur EDMONTON
3rd Canadian Division Support Base Edmonton La base de soutien de la 3e Division du Canada
(commonly referred to as Edmonton Garrison) Edmonton (communément appelée garnison
plans and manages the delivery of a range of d’Edmonton) planifie et gère la prestation du
support and services that are needed by other soutien et des services dont d’autres unités et
Canadian Armed Forces units and their members. membres des Forces armées canadiennes ont
To enable success of the units/members that besoin. Pour que les unités et les militaires qui
are supported, the base provides personnel and reçoivent ce soutien puissent réussir, la base fournit
administrative support, range and training areas, un soutien au personnel, un soutien administratif,
infrastructure and building maintenance for over 317 des champs de tir et des zones d’entraînement, de
buildings in Edmonton, Whitehorse and Yellowknife. l’infrastructure et de l’entretien de bâtiments dans
plus de 317 immeubles à Edmonton, Whitehorse et
The base is located in Sturgeon County on the Northeast Yellowknife.
border of the City of Edmonton and covers 2,550
hectares of land. The main site is named Steele Barracks La base se trouve dans le comté de Sturgeon, à la
after Sir Samuel Steele, an original founding member of périphérie nord-est d’Edmonton, et elle occupe un
the Northwest Mounted Police. terrain de 2 550 hectares. Le site principal est le
casernement Steele, nommé en l’honneur de Sir Samuel
The City of Edmonton Steele, un des fondateurs de la Police à cheval du Nord-
Ouest.
In 1904, Edmonton was declared a city. The following
year Edmonton was named the provincial capital of La Ville d’Edmonton
Alberta. Today, Edmonton is Canada’s 6th largest city,
offering all the amenities of a major urban centre plus a Edmonton est devenue officiellement une ville en 1904.
family-friendly environment that is safe, stimulating and L’année suivante, elle est devenue la capitale de l’Alberta.
rich with opportunity. Aujourd’hui, Edmonton est la sixième ville du Canada par
la taille. On y trouve tout ce qu’un grand centre urbain
Edmonton is one of Canada’s most ethnically diverse peut offrir dans un environnement propice aux familles
cities with more than 60 ethnic and cultural groups. qui est sûr, stimulant et riche en possibilités.
Well known for its vibrant cultural life, diverse business
community and outstanding river valley park system, Edmonton est l’une des villes canadiennes les plus
Edmonton is a great place to call home. Check out the diverses sur le plan ethnique; on y trouve plus de 60
links below for more on why over one million people call groupes ethniques et culturels. Réputée pour sa vie
Edmonton “home”. culturelle dynamique, son milieu des affaires diversifié
et son réseau de parcs exceptionnel dans la vallée de
la rivière, Edmonton est un endroit où il fait bon vivre.
Suivez les liens donnés ci-après pour découvrir pourquoi
plus d’un million de personnes ont choisi de vivre à
Edmonton.
On The Move: A Guide to Relocating 291, 2,
1,1, 2, &
2, &
3 BEDROOM
& 33 BEDROOM
APARTMENTS
APARTMENTS
BEDROOM APARTMENTS
FOR
FOR RENT
FOR RENT IN EDMONTON!
RENT IN EDMONTON!
EDMONTON!
Pet Friendly | In-suite Laundry | Dishwasher | 24hr Client Care
PetFriendly
Pet Friendly || In-suite
In-suite Laundry | Dishwasher
Dishwasher ||24hr
24hrClient
ClientCare
Care
On-Site Management & Maintenance | Close to Transit, Schools and Recreation
On-SiteManagement
On-Site Management && Maintenance
Maintenance | Close
Close to
to Transit,
Transit,Schools
Schoolsand
andRecreation
Recreation
GREENVIEW
GREENVIEW
GREENVIEW
|
1103 McConachie Blvd NW, Edmonton, AB 587-520-0644
VISTA
VISTA POINTE
VISTA POINTE
POINTE
404 McConachie Way NW, Edmonton, AB | 780-457-7740
||
1103 McConachie Blvd NW, Edmonton, AB
1103 McConachie Blvd NW, Edmonton, AB
587-520-0644
587-520-0644 404 McConachie Way NW, Edmonton, AB | 780-457-7740
404 McConachie Way NW, Edmonton, AB | 780-457-7740
1-3
1-3BEDROOMS
BEDROOMS| |11BATH
BATH||675-971
675-971 SQ
SQ FT
FT 1-3 BEDROOMS
1-3 BEDROOMS| |1 1BATH
BATH| 604-971
| 604-971
SQSQ
FTFT
1-3 BEDROOMS | 1 BATH | 675-971 SQ FT 1-3 BEDROOMS | 1 BATH | 604-971 SQ FT
STEENBUCK
STEENBUCK POINTE
POINTE
STEENBUCK POINTE
130 Albany
130 || 780-705-7072
AlbanyDrive
DriveNW,
NW,Edmonton,
Edmonton,AB
AB 780-705-7072
130 Albany Drive NW, Edmonton, AB | 780-705-7072
15 min Drive from CFB Edmonton
15 min Drive from CFB Edmonton
15 minDeposit
No Security Drive from CFB Edmonton
for Military Personnel*
1-3 BEDROOMS | 1 BATH | 676-971 SQ FT No Security Deposit for Military Personnel*
1-3 BEDROOMS | 1 BATH | 676-971 SQ FT No Security Deposit for Military Personnel*
*Offer valid at Greenview and Vista Pointe Properties Only.
1-3 BEDROOMS | 1 BATH | 676-971 SQ FT *Offer valid at Greenview and Vista Pointe Properties Only.
*Offer valid at Greenview and Vista Pointe Properties Only.
30 On The Move: A Guide to RelocatingPLD Post
Living
Differential
What is the Post Living How is Post Living Differential
Differential? calculated?
The Post Living Differential (PLD) is an Each year during the February to March
allowance designed to stabilize the cost of timeframe, the PLD rate at each CAF
living of Canadian Armed Forces members location is reviewed based on the following
and their families to ensure that they enjoy information:
a relative and predictable cost of living no
• The latest Statistics Canada information
matter where they serve in Canada.
on family spending patterns;
Background • Canada Mortgage and Housing Corpora-
Efforts to obtain a cost of living benefit tion (CMHC) data on typical hosing types;
for military personnel go back at least to • National Defence data on the military
the mid-1980s when the Canadian Armed population at each place of duty. A
Forces surveyed selected military locations location with a higher number of military
to determine variations in the cost of living. personnel will have a larger impact on
In 1998, the Parliamentary Standing the local economy than a location with
a lower Canadian Forces population. For
Committee on National Defence and
example, Ottawa compared to Moncton;
Veterans Affairs (SCONDVA) drew public
and
attention to the cost of living difficulties
facing many Canadian Armed Forces • Actual cost of living data in a wide vari-
members and their families. To counter ety of categories at all places of duty in
these difficulties, SCONDVA recommended Canada.
the creation of a cost of living allowance.
PLD is a taxable benefit. As a result, an
On June 8, 2000, Treasury Board approved increment is added when calculating the
the implementation of PLD, making this rates to offset the income tax paid on the
allowance the first of its kind for both the allowance. This means that the allowance is
CAF and the Federal Government of Canada. increased by the amount of marginal tax to
allow for loss through taxation.
How does the Post Living
Differential work? Once the data has been compiled, changes
to the PLD amount for each location are
The intent of PLD is to stabilize the overall calculated by May. By June/July the new
cost of living for CAF members and their figures are entered into the CAF pay system
families residing in Canada. PLD is paid and the changes are announced to the
to help offset the impact of cost of living military members and their families. By July/
changes resulting from relocation, and is August, CAF members will see the changes
paid at locations within Canada where the to PLD on their monthly pay statements.
local cost of living is assessed to be higher
than the CAF standard average cost of living. For the current PLD rates go to Chapter
205 - Allowances for Officers and Non-
Commissioned Members 205.45 - Post
Living Differential (PLD):
www.forces.gc.ca/en/about-policies-
standards-benefits/toc-ch-205-officer-
ncm-allowance-rates.page
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