Agrarian life within the conveniences of the city may seem like a dream. However, if you plan on moving to an urban farm in Metro Vancouver or elsewhere in B.C., there are some things to keep in mind before you make the plunge and leave your apartment life. This especially goes for moving into a home with a yard, or intending to lease city-zoned land for your new farming adventure. There may be other options available to you, which you’ll also want to consider. If you’re new to farming, and the idea of urban farming has tweaked your interest and motivated you to move, read up on some of what we’ve found.
Note: Moving to start an urban farm in the Vancouver area is not quite like moving to a hobby farm. We’ve written about that subject here, and encourage you to take a look there as well.
Urban farming on city properties is on the rise, but might not be totally legal yet
Last year in Vancouver, a move was made to begin the legalization of urban farms in the city. It wasn’t that there weren’t urban farms in Vancouver at the time. But more that that zoning and licensing wasn’t quite clear. Urban farms in Vancouver are already established, which you can see on the list here, by the Vancouver Urban Farming Society. Vancouver’s current urban agriculture policies can be read on its site here and here (they are, essentially, now allowed).
And in 2012, MacLean’s magazine was already writing about the popularity of urban agriculture, and the way of going about it for some.
But we often don’t associate city life with farming. In fact, it would be a sight to see if your neighbour’s front lawn and backyard were covered in crops. A garden, yes, maybe. But an entire lawn?
The idea seems wonderful to some, but we have to expect that neighbours can complain. There are designated agricultural areas set up by city governments. But now, those without big investment dollars are wanting to get into farming life. And running a huge, generational farm may be prohibitive to some. Are we turning back to middle-ages-style agrarian life?
While the City of Vancouver may have opened up the opportunity for its residents to start residential farms, surrounding areas in Metro Vancouver or the Fraser Valley may not be as clear. For example, below is a page from the City of Surrey’s website, which talks about agriculture and zoning, but doesn’t quite define laws for ‘urban farms’ or ‘residential farms’ (at the time of writing):
Surely, there may be more deeply buried rules that were overlooked in our search. But apparently, someone who wants to move to start an urban farm would need to do some hunting to find out if their operation would be legal, or even just, in the ‘gray zone.’
Googling these subjects also doesn’t often bring many results.
The next place to turn is to learn the experiences of existing urban farmers. One urban farmer in Kelowna is Curtis Stone. His business, Green City Acres, leases residential yards for a sustainable farming operation. His argument for urban farming, stated on his website below, is that there are millions of acres of lawn in North America, which are unproductive by growing mere grass. They can be otherwise turned into economic opportunities.
He was once visited by a bylaw enforcer, and explains his experience in this video:
By that video above, it seems that neighbours can complain, but the enforcement of ‘gray zone’ laws around agriculture is iffy. And that’s just one person’s experience in one city. So it goes without saying that it can be a toss, when it comes time for your local officers to decide if what you’re doing is ok.
In short, urban agriculture is starting a new booming industry, but the governments may not yet be up to speed on the laws that may be needed to regulate it. For example, would you want goats raised in your neighbour’s backyard? Vancouver allows chicken pens in backyards, but not roosters, which can disturb residents. So things like this will likely come up in your quest to start an urban farm. Before you move, remember that you may need to be adaptable. You might also need to be available to lobby for your rights with governments, if need be.
Consider other options before moving to start an urban farm
If you want to start an urban farm, and are willing to move to do it, there may be other options, or even interim solutions for you.
Move to land in the agricultural land reserve that is close to the city
There are some pre-zoned spots near cities, and not necessarily in cities, where you could buy or lease a farm. If you read about this Burnaby farmer’s story, you’ll see that space was available in Burnaby under the agricultural land reserve.
Farms are also available for leasing if a current farm owner can’t upkeep the land, or for other reasons. These can be found at the following site:
Lease your lot to an urban farmer and enjoy the vegetation
Some urban farmers, like Curtis Stone, look for yards they can farm. If you moved to start an urban farm, and feel the task is too daunting, or if you just want exposure to urban farming, you can consider leasing your front and back yard to a local farmer.
Now, we should mention that you might be exposed to the same legal vulnerabilities mentioned above!
See if you’re eligible for government help or subsidies to move to a farm
The Government of Canada, and perhaps other governing bodies, may have incentives to get farmers (especially young ones) involved in the industry. Whether or not this turns out to be for urban farming, you should learn more about what is available, in case it becomes an option for your farming dreams:
Urban farms are now seen not just as residential farms, but as vertical farms in building structures too. For example, one vertical farm tried to operate in a Downtown Vancouver parking lot (but failed).
If your city allows, you may be able to find a way to grow food indoors through aquaponics, or other methods. Some companies are going full force on this idea, which you can read about in this article by Vox news. Of course, this would require more investment, since you wouldn’t just be moving to a residence to start an urban farm, but you’d be looking at leasing commercial space.
Join a community farm
There are many community-based farms where neighbours can volunteer to start a bed and care for it.
There are also community supported agriculture (CSA) programs you could support to get local fresh vegetables. It’s not the same as owning your own farm, but it can be a gateway into the healthy lifestyle of farm table eating.
Start small with a personal garden and grow your operation from there
If you live on a lot currently, you could still start a small-scale garden. As you learn more about farming, you may start acquiring equipment to make your gardening or future farming life easier. This can be a slow way to get into the business, where you learn most of your mistakes and perform your trials in advance of going ‘all in.’
For example, you’ll learn about rainwater harvesting and composting, which you could start at your current home.
Learn about farming before moving an urban farm
If you are really a green thumb at farming, it would also be wise to take the time to get to know more about the industry. It can be a lot more than planting seeds in the ground.
For example, Kwantlen has a farm school. Or, you could take courses by someone like Curtis Stone (mentioned above).
Keep up to date with urban farming news
As you wait on your decision to start an urban farm, keep up to date with the developments in urban farming.
This search on City Farmer will tell you about the legalities of urban agriculture throughout North America, or even the world:
Hey, who knows, you might use those cases to present to your local authorities, for policy change, if need be.
To conclude: moving to an urban farm in B.C. cities is not an impossibility (we think)
The trend for farming near cities seems to be growing. People are more aware of the environmental impact of farming in large scale fields. Plus, there is a market for local food. So it makes sense that farms can grow in cities (pun intended). It may be a matter of time before more local governments change bylaws to allow for urban farms – or at least to make those bylaws clearer.
For now, if you’re willing to try it, you might set an example for the cities to consider. But we strongly urge you to learn more about the matter, and consider it a business: get as much professional help as you can before beginning.
Not only that, wherever you move, your lot should be suitable for farming. Don’t run into a situation where you haven’t inspected the yard for crop viability!
Advice from a cross–countryCanadianmovingcompany on business promotion during Quebec’s movingday
If you haven’t heard, thousands of Quebecois residents had to move on July 1, while the rest of the country was celebrating Canada Day. As a cross–countryCanadianmoving company, we couldn’t help but notice, and get excited, about the efforts of 3M to help people out on a mass-movingday like that in Quebec.
Here are a couple links to read more about the story:
While we applaud 3M for their efforts to pay-it-forward for Quebec movers, we thought it would also be valuable to give some tips to other companies who want to do some promotional work on moving days.
If you are outside Quebec, keep in mind that in other provinces, people will most likely move at the beginning and end of months, so you can apply these principles to your own location too.
Keep safety in mind: don’t try to help Canadian movers if you’re not trained to do so
You will notice in the articles linked to above, when 3M jumped in to help Canadian movers, it wasn’t by heavy lifting (that we know of). It was more on the side of offering refreshments, and being a friendly face on that day.
Moving can be dangerous business: not just for humans, but also for the artifacts being moved.
The last thing you want as a company is to have an employee injured on the job, or injuring others while moving.
And also, you don’t want your company ruining people’s furniture or houses while moving.
Our advice is to keep a safe distance from doing the moving yourself, and make sure you have insurance to cover yourself and your employees on movingday.
Idea: partner with a local movingcompany for your promotion
A great idea would be to partner up with a local movingcompany that can help you carry out a cross-promotional effort. Not only can the professional movers handle the work that takes training to do safely, they can also co-share the effort of promotion with you.
Any company can help on movingday for exposure and promotion
You’ll also notice that 3M isn’t a movingcompany, and may not have a vested interest in attracting the likes of regular ol’ movers. Or that’s what you’d think. But think again – they were reaching out to local Canadians. 3M sells a myriad of products, and sure, some of that may be tape (including the Scotch brand), which you could probably relate to moving (forpacking boxes). But that’s not the point. The point is, they got out in their community and offered a lending hand. That’s a surer way of staying on people’s minds than by just offering tape (which we didn’t see reported as something they did, by the way).
So think of it this way:
If you have a restaurant or catering company, you could get into your community by offering snacks on movingday.
If you have a sports equipment or work wear company, you can remind people that you offer gear for strenuous activity by bringing along some gloves, bungee cords or knee pads, or whatever can help a mover.
If you have a specialty soap company, you can offer small care packages for the first night in a new home. What a great way to get people to smell your delicious products and get hooked on them.
If you have a recycling company, come by with a large canister to take away people’s recyclables, and remind them that you care about the environment, and they should too!
If you are a charity that sells or gives away used items, movingday is a great day to stop by people’s homes to pick up their donations. You’ll do them, and yourself a favour.
If you have a local daycare, show up in your neighbourhood with kid-friendly entertainment, like clowns, balloons, etc. so parents know you are right around the corner should they need your services. Be sure not to take the kids away though, which will add more stress to parents on movingday. Instead, bring the fun to them.
And the list goes on.
When you have altruistic motives, and are there to help tired and frustrated people first and foremost, you will leave an impression on them. They can remember you by the kindness of your brand. As a business, you want people to think fondly of your brand. Helping on movingday is a great way to do that.
Now, of course you are a business, and if promotion is your goal, don’t forget to send our press releases in advance of movingday so the media knows to come out and cover your efforts. Tweet it, and post it on Facebook (making sure to get permission from people for taking photographs or videos).
That brings us to our next point..
Branding, branding, branding on movingday!
Keep in mind that if this effort is going to help you promote your business while you help Canadian movers, you need to make sure you’re taking good advantage of your opportunity to brand your company.
Try to make sure that your employees are wearing your company uniform, or at least wearing your company’s brand colours. This will be a visual reminder for people that X companycame to help, and not just random people who work at a mysterious office somewhere.
If possible, slap your logo on the items you’re giving away too. Even if it’s just the bag or container holding the things you’re giving.
Try to arrive in branded vehicles. Post signs if doable (though we realize this is the type of promotion that will keep you on the move, and not stationed in one place).
To conclude: movingday is a great day for company promotion, and company morale
While you will need to consider safety and logistics for your movingday promotional activity, it can be worth the effort. You’ll not only be branding and promoting your business. You’ll be allowing your employees to feel a sense of community spirit, so they know they’re working for a great company. You’ll also have fun along the way. Moving is only stressful if you let it be!
Buying and moving to an island in Canada: Part 2, the cons
Last week we talked about why you’d want to buy a Canadian island and move there, even if it’s only for part of the year. Surprisingly, island ownership is not out of reach for typical middle-class earners. Especially not so when considering the possibility of combined ownership.
But after you buy the island, as Bloomberg so classically puts it, you’ll need to “figure out how you’re going to stay alive on the island.” And we dare say, it gets more difficult than just that!
Let’s explore some cons of moving to an island, or owning one.
Moving to an island usually means living without basic amenities, or building them yourself
When you move to an island, a huge costly setback to your idealistic goal will likely be about building – and we’re not just talking about shelter. There is also water supply, electricity and even a toilet to think about. This is explained in more detail in the Bloomberg article mentioned above, and others. Here are some general things to know:
Islands are isolated, so transporting building material to the site will be much more expensive than transporting to larger inhabited areas. Now imagine what a moving company would charge to ferry or fly in your furniture! (This isn’t the kind of place you’d want to helicopter in a grand piano, get where we’re going with this?)
Even if you have the money, there can be environmental restrictions and regulations surrounding what you can and can not build on the site.
Then, even without government laws or money being a setback, it could take years before you can get a truly modern living situation on your island, with fresh water, sewage, electricity and so on. Oh, and then the living structure. Let’s not forget that!
Although, if you don’t mind backup generators, solar panels, water purification systems and composting toilets (as mentioned in this WikiHow article), you may be able to get away with a camping or RV-lifestyle on the island. And that ain’t bad for some who like their quiet space and nature time!
And yes, there are islands out there that are ‘hooked up’ to pipelines and wires and such. But they will likely be on the more expensive end of the island buyer’s profile. Because of this, realtor Ed Hanja says (in the Yahoo article linked to above), you might be better off buying a cabin near a shoreline, and save yourself the headache.
Moving to an island can be lonely, cold and dangerous
The other thing to sort out is, when your shelter and modern amenities are all taken care of, how you’ll live your daily life on the island after you move there. We won’t sugar coat this: it won’t be easy. If you thought waiting in traffic on weekdays was a pain, imagine the hassle of needing to take a boat or plane to buy groceries!
And ok, even if you had some great boy scouts training, and know how to survive in the wild with canned beans and a fire pit, what about supplies? Like, who knows, a garden rake to scare away the forest animals?
An article about friends who bought an island together testifies of their experience trying to get what they needed onto the island through a body of water. And this was just to make the island liveable with more than a handsaw and nature’s provision.
Islands need water depth for boats and seaplanes. Now you have to build a dock.
One thing you may not have thought of is, even if you don’t mind the boat ride or extreme measures to get to the island, how are the transport vehicles going to land or dock there? If there is a lot of shallow water, and no dock built, you may need serious muscle to get you and your stuff to home-sweet-home. If you’re a billionaire with a water plane, how close can it land to the shore? Or where will your helicopter pad be, exactly? To WikiHow’s point, you should check out the island on low and high tides before deciding whether to buy and move there.
You’re basically on your own in an emergency, survivor.
Now you need to consider, if you ever have health problems, or would ever need emergency care, you may find yourself in a bind. Logically speaking, it can take longer than usual for superhero paramedics to parachute their way in to help you. And that’s on a non-disaster day. If you were stranded during a state emergency, like a storm or earthquake, you may be last on the list of people they need to reach asap.
And, as the Bloomberg article above points out, your shelter may not be made for high-impact storms. In British Columbia, we can also guess that, unless it happens to be pre-built when you move in, earthquake-proof structures on islands are probably going to be rare.
Due to extreme weather conditions, it is unlikely you’ll want to inhabit your hypothetical island throughout the year, even if you do like the quiet and solitude. And this can be the case whether you’re in cold-winter Canada or down south in tropical places that also experience rainy seasons and storms.
Moving to islands can come with woes you can’t predict in advance
To conclude, we can see that with so much to consider before moving to an island, there will likely be more not yet thought of. For example, maintaining the island will also be an ongoing task and cost. Civilization is not easy to keep up, and having humans around can really benefit the long term quality of your island home, even if it’s just for security, let alone maintenance.
If you are considering moving to an island, you’ll want to do so after having spoken to a realtor, developer and lawyer specializing in island infrastructure and living. You should also do your research, and see if the island-owning community is willing to give you their two cents on the subject. Sometimes speaking to someone who has gone before you can bring light to a situation that even the experts may not have realized.
But don’t lose heart completely – even if it’s just a fun project for you, as we pointed out in our ‘pros’ article, moving to an island can be attainable. If you’re willing to bear the brunt of the hard parts, and are looking for a growth opportunity, this may be just the project for you! Or you know, you could plan an urban house flip or climb Mount Everest instead.
Need professional movers for your Canadian Island?
If you need movers for moving on or off of your private island, chances are Ferguson Moving Company in Vancouver BC can help yo — when you’ve been moving people throughout Canada for over 100 years, you learn a thing or two about just about everything moving related!
How to prevent fix roof leaks for Vancouver movers
Maybe you’ve moved into a Metro Vancouver house and discovered that there’s a leak. Or maybe you’re considering moving into an older house and want to make sure it’s in good condition. Now would be a good time to learn how to prevent and fix roof leaks before your next move.
Prevention is the best cure: get a roof inspection before buying a house
First, know your rights before buying and moving into a new house. CBC has reported that sellers in every province are required to disclose every major defect to prospective buyers, regardless of whether it is hidden or not. That means you should pay attention to the house’s disclosure statement, which should list any roof defects in the house.
If the disclosure statement is clean, you may want to hire a home inspector anyway. As we saw in the above CBC article, a disclosure statement may not be enough to protect you from a leaky roof (the article was about a basement leak, but the same disclosure problems could arise from leaking roofs.) If a leak is uncovered soon after you buy the house, sellers can still argue that either they didn’t know about the leak or that the damage occurred after you moved into your new home.
So to be extra safe, it’s probably best to enlist the help of a certified home inspector. There are no guarantees that they can uncover any or all roof leaks or defects, but it’s probably a good idea to get an impartial third party to assess your potential new Vancouver house.
If a leak gets uncovered quickly after you buy the house, you may be able to get the seller to pay for the damage if you can prove they sold you a defective home. Sfgate.com has some good tips for this situation that you may want to check out.
How to fix roof leaks
Let’s say you’ve settled any possible disputes over who is responsible for the leak. Now it’s time to start the repairs on your new house in the Lower Mainland. If the roof leak is minor, you may be able to fix it yourself. WikiHow has a great guide that gives pointers on making minor roof repairs, if that is the case.
If you choose to use professional help, perhaps one of the most important things to keep in mind is to make sure the roofing contractor that you choose has liability insurance. This is extremely important, because it will protect you from any liability if a roofer gets hurt while on the job. Ask for a copy of the insurance certificate before hiring a roofing company and make sure they have proper coverage.
Choose your roof!
These repairs can be an opportunity to give your house a new roof! There are a variety of roofing materials, each with their own advantages and disadvantages. In brief, here are a few examples.
Asphalt composition shingles: are relatively inexpensive with good wind and fire resistance, but not very durable, according to todayshomeowner.com. These tiles are made from organic paper fiber or fiberglass mixed with asphalt. Generally speaking, it is not very eco-friendly but it can be taken to landfills later. This type of roofing material comprises 80 per cent of the residential housing market’s roofs.
Metal roofing: you have many choices when considering metal roofing. Tin, zinc, aluminum, copper and steel are all examples of the options available. This means metal roofing can be quite customizable in terms of look and function, Homefixcos.com says. According to the site, metal roofing is often one of the most durable materials, with many lasting between 40 to 70 years. The main downside is that this material can be very expensive.
Clay tile roofing: is extremely durable once installed. It reflects heat and light, meaning it can help with insulation. According to selfhelpandmore.com, clay has been known to withstand hurricane-force winds and does not shrink and expand with temperature like wood. It also comes in different shapes and sizes, which means you can customize the look of your house more easily. However, two major drawbacks are the cost and the weight of the material, the above article says. It is very expensive and some houses may not be strong enough to support clay. Support beams sometimes need to be added before installation.
This is just scratching the surface of what makes a good roof. We encourage you to explore more options, and try mixing and matching styles and materials.
Call Ferguson Moving Company in Vancouver
At Ferguson Moving and Storage, we have a lot of experience assisting people who are moving into or designing their new dream homes. Call us, and we can at the very least provide some good referrals to roofers. We may even be able to assist with moving and transporting roofing material.
Why you should hire a professional interior designer or decorator before you move in Metro Vancouver
Stunning hotel lobbies, beautiful lounges and cheerful-looking bars don’t happen by accident. Chances are, if you like the way a place looks, professional interior decorators and designers had a hand in making it happen. But most people think this is a luxury only afforded to corporate buildings or the homes of the very wealthy. There may be some truth to that idea, but the reality is almost everyone can benefit from hiring an interior designer to scope out your new home and give tips on how to optimize the layout both before and after you move in. If you are relocating all of your belongings, an interior designer may save time, storage, and money!
Learn the differences between a professional interior designer and an interior decorator
Interior designers and decorators aren’t the same thing! Before you move into your new home, you should determine whose services you will need the most. It’s common to confuse both professions, but in reality they have different specialties. Interior decorators are more concerned with aesthetics, such as choosing the perfect wallpaper colour scheme. On the other hand, interior designers are more focused on functionality, like how to optimize space or direct foot traffic in your home. This could be really useful when determining how you’d like to lay out furniture in your new home before your move in. But an important note is that an interior designer’s training often overlaps with decoration, while the same cannot be said about interior decorators. Another thing to keep in mind is that in B.C. professional interior designers must be licensed. Decorators do not need any formal training or licence.
Hiring an interior designer can save you money by saving you set-up time once you’ve moved into your new home
Having a professional interior designer look at the layout of your home can save you time, which for many, can translate into cash, especially if you are an entrepreneur. Moving into a new home can be exciting, but we’re often overwhelmed with ideas on how to fill the vacant space. Think of the time spent shuffling furniture around aimlessly in your home. That could cost a day or more of income! Outsourcing jobs can allow you to spend more time generating cash instead of agonizing over time-consuming chores. It’s an approach that has been widely lauded by business books such as the best-selling Four Hour Work Week.
Interior designers can make your place look better when you’re moving in
So your friend has just finished moving into a beautiful new house. You’re now attending the housewarming party. The home looks gorgeous on the outside but once you step in, you can’t help but silently cringe. Chances are it’s because the owner made some bad design and decorating decisions. Wallpaper schemes, colour co-ordination and lighting arrangements are just a few examples of often overlooked things that can become unsightly when a layout is badly planned. An interior designer or interior decorator could probably tell you that colours appear different once they’re painted on a wall. Lighting, windows and/or a lack thereof can make a huge difference on colour or pattern schemes. Even things such as where the direction in which light falls (north, south, east, west) can affect what colours work and what don’t. Interior design can be a science. So you may want to hire someone who knows it inside and out.
Interior designers can optimize space
While you may need to rent a storage container in any event. If you’re stuck in a rut for how to cram stuff into a smaller apartment while still making it look tasteful, an interior designer can be your saving grace. A good designer can make even a tight spot breathe. And a professional can also arrange items to help direct the flow of foot traffic in your home. Some interior designers may even be able to create spaces that allow for more positive social interactions, which has become a field in of itself. These are all factors that are worth considering when you’re moving into your new home.
What to look for when moving as a retiree in MetroVancouver
Some retirees believe that moving to have a fresh start is a good idea. It’s nice to have a change of scenery, possibly downsize to save on expenses, and have a chance to move closer to people and places you love. If you or your loved ones are looking to move or relocate after leaving the workforce, there are some important factors to consider. In this article, we would like to address some of these factors and give you some insight on where to move for your retirement.
Moving to the Vancouver area to retire with money in mind
Affordable housing is a challenge in the real estate market in the MetroVancouver area. If you are going to move into a rented dwelling, it is in your best interest to find the houses with the best value. The best valued renting homes are the ones where their selling prices do not mirror the renting prices. For example, in East Vancouver, it seems that even though rent is among the lowest in the MetroVancouver area, housing prices are usually in the mid-range. BC Housing is also a great resource to look into. They offer two different programs that you may be eligible for as a retiree: the Seniors’ Rental Housing program and the Subsidized Housing program. You may apply to these programs if you are someone older than 55 years of age with a gross household income below a designated income threshold. This Senior Rental Housing threshold is currently at $58,000 for those who are living in the Lower Mainland area. Subsidized Housing low-income thresholds are more specific to the area and the type of dwelling you will be requiring. A full list is available here.
More retirees and seniors move to West Vancouver and White Rock
Even with the surprising steep housing and renting prices, a report from the United Way of the Lower Mainland shows that West Vancouver comes second in having the largest composition (25.5%) of seniors and retirees in their city population. White Rock has the highest number of retirees and seniors, with as much as 29.4% of the city’s total population. As a senior citizen or a retiree, you are no longer involved with the workforce. Whether or not you enjoyed your work, the people you worked with eight hours a day maybe have been part of your social network. Now that you are out of the work force, it takes more effort to have your own social group, to have a sense of belonging, and a sense of community. Having social support is very important because it can give you a sense of self-worth and increase your sense of belonging. From the same report, it seems that seniors and retirees of those cities have the strongest sense of community and belonging in West Vancouver and White Rock. A number of factors may enable seniors to have strong sense of belonging. One factor may be the senior programs offered by White Rock and West Vancouver. If these programs are run well, seniors and retirees may be more likely to make friends and have a good social group in their community.
Moving into a strong network of friends, support, and services in MetroVancouver
One strong factor in a move after retirement is who you will be living near. Movingcloser to family and friends is a big attraction when it comes to moving after retirement. It is likely that throughout your adult life, you have made many lifelong friends and you have all moved around within the MetroVancouver area. Your children may also be in another city nearby. Moving closer to a well-established network of people will allow you to enjoy your retirement much more. Services and amenities vary from city to city. Before you establish yourself and move into a neighbourhood in the MetroVancouver area, think about the proximity, accessibility, and availability of services you will require. If you are currently in a routine of going swimming at the local pool every morning, you should look into the accessibility of a nearby pool. Also look into various healthcare services in your area, like doctor’s offices, hospitals, and physical therapy clinics. In your early retirement years, you may be active and healthy, but do not assume that you will be this way forever as you age. Though it is not good to worry excessively about aging, it is wise to consider what your life will be like in the years ahead. Moving into a town with access to senior services, community centers, and even good restaurants may be important to you. The type of dwelling you decide to move into can also affect your lifestyle. Whether it is a condominium, a single family house, or a townhouse, each brings a different set of challenges and convenience. For example, a condo can bring noisy neighbours or strict strata bylaws with it, whereas a single family house will have less of these issues, but will require more yard and structure maintenance. Considering all possibilities will help with making the best choice for your move into retirement.