The real estate and financial news on the national level have been predicting doom and gloom and prices dropping in major markets by as much as 30% due to rising interest rates and inflation.

But here's why you shouldn't worry too much about those headlines here in Fort St John. The Northern BC real estate market is unique, and driven by different factors than in Southern markets.

For starters, we didn't see the same astronomical year-over-year growth that they experienced in larger markets. Prices here only marginally increased at a steady pace, which is ideal. With our neighbors to the South starting to feel the pinch, they often look for where the work is. Fort St. John has one of the strongest average household income to affordable housing ratios!

The Peace region is seeing an influx of new projects and businesses, meaning more opportunities for employment. This may lead to a change in the housing market, with more people competing for available homes. Despite this, interest rates are expected to rise in the future, so buyers should be aware of this when making their decisions.

Wondering what this means for you? Call or text me at 778-784-7845

Check out the snapshot of the September stats below

September Statistics

➡️ All Property Types ⬅️

Average Price: $392K

Days on market: 64

New listings: 73

Sold: 44

➡️ Detached ⬅️

Average Price: $396K

Days on market: 53

New listings: 44

Sold: 26

➡️ Attached ⬅️

Average Price: $262K

Days on market: 81

New listings:13

Sold: 8

➡️ House w/ Acreage ⬅️

Average Price: $585K

Days on market: 66

New listings: 8

Sold: 7

➡️ Mobile Homes ⬅️

Average Price: $252K

Days on market: 113

New listings: 8

Sold: 3

New Listings:

September 2022: 73

September 2021: 69

✅ Active Listings

September 2022: 318

September 2021: 335


September 2022: 44

September 2021: 64

#marketminute #interestrates #fsj #fortstjohn #charlielake #taylorbc #peaceregion #c21energyrealty #marketupdate #fortstjohnrealestate #fortstjohn

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Want to schedule a chat about the market? We can see what your home is worth, what the market’s doing, or anything you want really! Click:

After a very bustling Spring, we commonly see a bit of a slow down in June as the school year ends and summer plans have people away on vacation. We have also recently seen the end of historically low-interest rates, which has stalled some buyers, however, we do not anticipate the rates dropping anytime soon, in fact, they may go up further. The cost to build new homes has increased due to the inflation we are currently dealing with. These factors have led to a shift to a more balanced market here in Fort St John. We may see a small price correction but I do not anticipate it will be anywhere near the correction that will occur in the larger markets, as we did not see anywhere near the same level of average price increases.

With fewer buyers out there I tell my sellers they need to make sure their home is picture perfect for every single showing. Buyers have more to choose from these days so it is important that your home stands out. The number of days on market has slowly been increasing, and we have seen some price reductions across the region.

Now more than ever it will be imperative to work with an agent with a stellar track record and an established marketing machine.

Want to schedule a chat about the market? We can see what your home is worth, what the market’s doing, or anything you want really! Click:

I would love to tell you how my experience can go to work for you!

See below for a comprehensive breakdown of the stats in our region for July!


➡️ All Property Types ⬅️

Average Price: $325K
Days on the market: 47
New listings: 74
Sold: 56

➡️ Detached ⬅️

Average Price: $ 392K
Days on the market: 54
New listings: 33
Sold: 27

➡️ Attached ⬅️

Average Price: $ 271K
Days on the market: 84
New listings: 24
Sold: 14

➡️ House w/ Acreage ⬅️

Average Price: $ 395K
Days on the market: 63
New listings: 14
Sold: 4

➡️ Mobile Homes ⬅️

Average Price: $ 205K
Days on the market: 83
New listings: 13
Sold: 11

Year Over Year

New Listings:
July 2021: 95
July 2022: 74

✅ Active Listings
July 2021: 373
July 2022: 321

July 2021: 71
July 2022: 56

#Marketupdate #elichi #fortstjohnrealestate #fsjrealestate #c21agent #elizabethchirealtor #elichirealtor #OMchi

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Tips for the seller on how to Negotiate a leaseback

Worried about finding a home if yours sells too fast?

One option would be to negotiate a lease back with the buyer of your home.  In some instances, they may not need to move in immediately, which may benefit both parties.  Essentially renting your home back on a short-term basis allows you more time to find the right home. 

What would be negotiated in a lease back?

​Length of the rental period

Amount of rent paid per month, including late charges

​Terms of the security deposit (amount and how it's held)

​Who pays utility bills?

​Seller's maintenance responsibilities and subletting rights

​Buyer's right to enter the property 

Ready to move and wondering if this might work for you?  Let's have a chat! Click the link  to book an appointment and let's get started!

#OMchi #soldbyeli #realtorelichi #fortstjohn #fsjrealtor #fortstjohnrealestate #century21 #toprealtor #womeninbusiness #fsjnewlisting #realtorsofinstagram #newhome #realliferealestate #realtestate #realestateeducation #realestatetrends #realestatelife #realtorlife #realestatenews #realestateadvice

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Today I am going to discuss the use of a home equity line of credit or a "HELOC" as a means of helping you buy a new home while having to sell your current home.

This is another option that allows buyers to utilize equity in their own home for the down payment on a new home. This is similar to a bridge loan in that you need to be able to qualify for the new mortgage without selling your existing home first, but this is an option that buyers will often use if they already have a HELOC in place. This is another option where some buyers will list their home while under contract and others will wait until they close on the new home. This is a matter of preference. Talking to your mortgage professional will help you decide if either of these is a viable option for you.

For more helpful tips please click here:

#OMchi #elichirealtor #soldbyeli #fortsaintjohn #fsj #northpeace #energeticcity #c21 #century21agent #realtorlife #toprealtor #justlisted #homebuyer #homeseller #realestatelife #realtorlife #realestatenews #realestateadvice #realestateeducation #realestatetrends #realestatetips #realestatelifestyle #realestatestyle

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The Home Seller's Timeline:  How to Prepare Your Home For Sale

Preparing your home before putting it on the market is very essential if you are looking into maximizing your sale price. 

The first step to ensure this is to immediately connect with a real estate agent. A real estate’s expertise is a great help in catching the buyer’s attention. In addition to this, an early start in the preparation process will give you time to boost your home’s appeal by tackling upgrades and repairs needed before putting your home on the market. 

We have compiled a checklist below to guide you on what you should do leading up to the listing of your home. Although there is no one size fits all process, this checklist will be helpful to make sure your home is ready for sale, come listing time. If you still need further assistance after going through this list we’d be more than happy to walk you through a customized plan that fits you. 



Whether you are someone who wants to plan your future move or is ready to pack up on short notice, these initial steps will keep you ahead of the listing game. 

Get In Touch With Your Real Estate Agent

We make sure to provide service beyond expectation when it comes to our client's needs. We have a series of complimentary, pre-listing consultations to advise you on how to best prepare your home for the market.

Delaying this step and waiting for your home to be ready for listing can be a big mistake. In our years of experience, we have observed that the earlier we are brought into the process, the faster the sale. This also benefits you financially as it will mean more money for you after closing.

As real estate agents, we have the connection and expertise to devise a plan to boost your property’s appeal. We not only provide VIP treatment but moreover, we can help alleviate stress in the preparation leading up to the listing.

Address Necessary Repairs and Upgrades

With our experience, we can give you insights into your home’s condition. There are instances where we may suggest a pre-listing inspection. A pre-listing inspection may not be that common in a seller’s market but it can help you avoid any surprises along the process of listing your home. 

During our discussion of the pros and cons of selling your home, we can list structural, systems or cosmetics issues that could hurt the sale of your home in the future. We can identify problems that can make the home unsafe which can be flagged on an inspection report. In some cases, the home’s design feature is also a factor for the sales potential.

Repairs and renovations will take time, so it’s best to start them right away. With this, our knowledge will help you identify which updates are worth your time and investment.



After addressing major repair issues, it’s now time to check on what needs minor updating which can still influence a buyer’s perspective in purchasing your home.

Make Minor Repairs

Look for any unaddressed maintenance or repair issues, such as water spots, pest activity, and rotten siding. This is the time to take care of those small annoyances like squeaky hinges, sticking doors, and leaky faucets, too.

Most of these minor repairs can be addressed going the DIY route, using a few simple tools. Whatever you can’t handle on your own, be sure to call a professional and we can recommend some reliable local service providers to assist you. 

These minor issues are often not noticed by homeowners since you’ve been living with them but when you work with us we can give you a fresh perspective so you don’t miss any important repairs that need to be done. 


Paint and landscaping are two upgrades that are worth your investment. They spruce up your home and increase the value of your home.

Another easy redesigning thing to do is to reposition your furniture, you can DIY the staging or we can refer a local stager to you.

Declutter and Depersonalize

The key to decluttering is doing it daily rather than doing it all at once nearing listing. The best route to take is to do it one room at a time. Aside from this, you can start discarding or donating some items that you no longer need. This way it will also make moving easier for you.


This last week before your home is available for sale is crucial. Focus on the small details and key areas.

Check-In With Your Agent

We’ll finalize the listing price, marketing plan, and the remaining preparations that are for discussion. We will help you each step of the way to make sure you maximize the sale of your home.

Tidy Your Exterior

It’s time to focus on your home’s exterior! Mow the lawn, trim the hedges and make sure flower beds are weeded. Additionally, power wash your siding, wash all windows and screens and empty the gutters.

Deep Clean Your Interior

Your interior should match the tidiness of your exterior. Make sure to deodorize and steam clean all carpets. For this the DIY route might not be the best idea, consider hiring a professional cleaning company to make sure every space smells and looks fresh.

We also recommend tidying up your closets, pantries, and cabinets. Some buyers check on this to see if they’re all neat and organized. 


It’s an open house at last! But before showing your house here are some finishing touches that will surely impress potential buyers.

Pre-Showing Prep

Make the buyers feel at home by ensuring the thermostat is set to a comfortable temperature. Lighting also plays a part so open all curtains and blinds and turn on all lights so potential buyers can see the beauty of your home.

Tidy up the floor, empty or hide trash cans and wipe clean all countertops. Make the bathroom presentable by closing toilet lids and hanging clean hand towels.

You also need to secure jewelry, sensitive documents, prescription medications, and any other items of value in a safe or store them off-site.

Lastly, it’s best to have pets out of the house during showings. If possible, you should also remove evidence of pets (litter boxes, dog beds, etc.), some buyers are turned off by this.

Remember, when potential buyers are happy and comfortable they will likely submit offers right away. 



Preparation is the key to selling your home. Keeping it in top condition will attract potential buyers.

Give us a call if you think of selling your home, even if you are still unsure when. Nothing beats being prepared and no one can help you more than us! 


The Spring Market is in full swing!

With the interest rates set to increase over the coming months, we still have lots of buyers looking to make a move.

In the last couple of weeks, we have seen a lot of new listings come to market giving a little bit of balance to the lack of inventory we have been experiencing.

Prices have crept up a little in family homes, and we have even seen a few homes get multiple offers and go OVER asking.

I've consistently seen homes getting pretty close to asking as long as they are priced right in the first place, and I've been telling my buyers that this is not the time to submit low ball offers, as in some cases the sellers will not even bother to counter.

One property type I have noticed a great lack of inventory is homes with suites, so buyers are definitely looking for a home with mortgage-helping income earning potential.

Like and follow me on Facebook or Instagram for more tips on buying or selling in this market!


➡️ All Property Types ⬅️

Average Price: $356,000
Days on market: 47
New listings: 78
Sold: 48

➡️ Detached ⬅️

Average Price: $375,000
Days on market:47
New listings:37

➡️ Attached ⬅️

Average Price: $284,000
Days on market: 51
New listings: 21
Sold: 4

➡️ House w/ Acreage ⬅️

Average Price: $511,000
Days on market: 40
New listings: 11
Sold: 5

➡️ Mobile Homes ⬅️

Average Price: $163,000
Days on market: 83
New listings: 9
Sold: 6

New Listings:
March 2021: 106
March 2022: 78

✅ Active Listings
March 2021: 322
March 2022: 249

March 2021: 58
March 2022: 48

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4 Ways To Find The Right Contractor For You


Contractors are in high demand these days, but finding the right one can be difficult. With so many contractors out there, it is important to set up an interview process beforehand to find the best contractor for you.

There are four steps that you should take:

1) Narrow down your search by what type of work needs to get done

2) Get referrals from friends and family

3) Read reviews online

4) Set up interviews with three contractors for each service

This process will help ensure that you end up with a contractor who is skilled in your area of need and one that you are comfortable working with.

Narrow down your search by what type of work needs to get done

When narrowing down your search for a contractor, it is important to first figure out what type of work needs to be done. This can be anything from home renovations to building a new deck. Once you have a good idea of the scope of the project, you can start looking for contractors who have experience in that area. You can also ask your friends, family, and neighbors for referrals. 

Get referrals from friends and family

The internet is full of different contractors and not all contractors are created equal. It is important to make sure you are getting a contractor that has the knowledge, expertise, and skills to get the job done right.

If you know anyone who has recently used a contractor, they can provide you with lots of information. Ask them about their experience; what company did they use? Did the company meet time commitments and communicate well throughout the project? Was there follow-up after completion? What was their overall impression of the work performed? These questions will help you determine which contractors to look at first.

One of the best ways to find a great contractor is to get recommendations from people you trust. This could be your family and friends, or even people you know through work or social circles. If someone has had a good experience with a contractor, they will likely be happy to refer them to you.

Read reviews online

One way to avoid wasting time interviewing contractors is by reading reviews online. If you spend ten minutes researching one company, those ten minutes will save hours in the long run as you will interview fewer contractors than you would have otherwise. You can search using keywords such as Fort St John home renovation contractors or Fort St John deck building, depending on what the project actually entails.

Set up interviews with three contractors for each service

When looking for a contractor, it is important to set up interviews with three different contractors. This will give you a sense of what each contractor is like and what they can offer you. It is also important to ask the same questions to all three contractors in order to get a fair comparison.


In Fort St John, finding the right contractor can be a challenge. However, if you follow these four steps and take your time to find the perfect one for you then it will become much easier: 

1) Narrow down what type of work needs to get done 

2) Get referrals from friends and family 

3) Read reviews 

4) Set up interviews with three contractors for each service. These four steps will help ensure that you end up with a skilled contractor who is knowledgeable in your area of need and someone whom you are comfortable working with.


Thinking about buying or selling a house this year? Your next step is easy. Watch this video and educate yourself!
✔︎ The state of the Fort St John market and the personal impacts on you as a buyer or seller.
✔︎ How to buy (or sell) a home in this unique market as we’ve never seen in years
✔︎ How to do it ALL without giving away your firstborn 
...And so much more!
Act NOW as these kinds of market opportunities won’t be around forever. 
Book your FREE consultation now by texting the word HOME to 778.719.6111

With school closing due to COVID19, here are some links to sites offering educational, fun, crafty, active and interesting things for the kids to keep them occupied and interested in things other than the T.V.  Which ones are your favourites?  Did I miss one?  Let me know so we can share it with everyone!  Enjoy!
~Eli Chi
✅All encompassing educational information
✅The San Diego Zoo has a website just for kids with amazing videos, activities, and games. Enjoy the tour!
✅Explore the surface of Mars on the Curiosity Rover.
✅This Canadian site FarmFood 360 offers 11 Virtual Tours of farms from minks, pigs, and cows, to apples and eggs.
✅Indoor Activities for busy toddlers…
✅Play games and learn all about animals
✅Play with fave show characters and learn too
✅Travel to Paris, France to see amazing works of art at The Louvre with this virtual field trip.
✅This Virtual Tour of the Great Wall of China is beautiful and makes history come to life.…/great-wall-of-china
✅Math and Reading games
✅Phonics skills
✅This iconic museum located in the heart of London allows virtual visitors to tour the Great Court and discover the ancient Rosetta Stone and Egyptian mummies.
✅Read, play games, and hang out with Dr. Seuss
✅300,000+ FREE printable worksheets from toddlers to teens…/
✅Geography and animals
✅Math practice from counting to algebra and geometry
✅Favourite kids books read by famous people
✅Crafts, activities, mazes, dot to dot, etc,
✅Math and reading games
✅Math and language games
✅Hands on Elementary science videos
✅Voice based learning... learn through Alexa
✅Fun games, recipes, crafts, activities
✅ClickSchooling brings you daily recommendations by email for entertaining websites that help your kids learn.
✅Math as a fun part of your daily family routine
✅Games to get "into the book"
✅Online history classes for all ages preteen through adults
✅Elementary Math through 6th grade
✅Educational games K-12
✅Digital archive of history
✅Resources for Spanish practice
✅Chinese learning activities
✅Science, Math, Social Studies
✅Grammar practice for middle grades
✅Daily free science or cooking experiment to do at home.
✅Reading passages for grades 3-12, with reading comprehension and discussion questions.
✅Vocabulary, grammar, listening activities and games in Spanish, French, Italian, German, Portuguese, Korean, and Latin.
✅35,000 pages of online content on the cultures and countries of the world.
✅K-5th Science lessons
✅Tons of free classes from leading universities and companies
✅Free printable K-8 Reading and Math activity packs (available in English and Spanish)…
✅Digital learning content for preschool through high school
✅A wide range of math content from middle school through AP Calculus.
✅Day-by-day projects to keep kids reading, thinking, and growing.…/learnathome.html
✅3 Free Weeks of Maker Stations to keep your children creating at home! Each challenge includes simple instructions using materials around the house, QR code video resources, and a student recording sheet.
✅Classes for older teens or adults…
✅Online homeschool platform & curriculum for Pre-K to 12th grade. All main subjects are covered, plus extra curriculum courses.
✅Printable board games, activities and more for phonics and reading all using evidence-based methods. Can be customized to any student's needs including creating flashcards for other subjects.
✅K-8 online math program that looks at how a student is solving problems to adjust accordingly and build a unique learning path for them.
✅Engaging reading game for grades 2-8 that combines strategy, engagement, and imaginative reading passages to create a fun, curriculum-aligned literacy game.
✅Higher level math series... online video series with detailed solutions to more than a thousand publicly-released College Board SAT Math, Subject Test Math Level 1, and Subject Test Math Level 2 problems.…
✅Foreign languages
✅Interactive video earth science based curriculum supplement.
✅A safe research site for elementary-level readers. They are offering -- free 24/7 access
USERNAME: read (case sensitive)
PASSWORD: read (case sensitive)
✅Resources for AP students including live reviews, live trivia, and study guides!
✅Educational brain breaks to help students review essential literacy and math skills, while getting in some exercise. Find over 900 videos to help your child keep learning at home and burn off some extra energy. Our site is best used for ages 4-8.
✅Movement and mindfulness videos created by child development experts.
✅7,000 free videos in 13 subject areas
✅Carmen Sandiego videos, stories, and lessons for all subject areas
✅Math Videos with lessons, real life uses of math, famous actors
✅Entertaining & educational videos for all levels and subjects
✅Online education program for toddler through high school...
✅Free printables library with activities for children 0-6
✅Free at-home kids yoga lesson plans
✅Magic Spell is a carefully crafted spelling adventure.
✅Resources for AP students
✅Enter your math problem or search term, press the button, and they show you the step-by-step work and answer instantly. 2nd grade through college.
✅Elem Math games, logic puzzles and educational resources
✅3D printing projects and Coding projects, involving math and other K-12 subjects…/EdgertonCent…/instructables/
✅Introductory and intermediate music theory lessons, exercises, ear trainers, and calculators.
✅Scads of free resources, games, learning resources, and lesson plans for teaching personal finance
✅Improve your typing skills while competing in fast-paced races with up to 5 typers from around the world.
✅Illustrated recipes designed to help kids age 2-12 cook with their grown-ups. Recipes encourage culinary skills, literacy, math, and science.
✅Online curriculum that builds better writers.
✅Daily lessons and educational activities that kids can do on their own
✅Adaptive curriculum in Math and ELA for Grades K-8
✅Novel Effect makes storytime a little more fun for kids (and grown-ups too!) As you read out loud from print books (or ebooks!) music, sound effects, and character voices play at just the right moment, adjusting and responding to your voice.
✅Quick & easy at home projects curated for kids 2 and up
✅Teaches students how to write a paragraph through interactive online tutorial
✅PreK-12 digital media service with more than 30,000 learning materials
✅Curricular content hub specifically designed for K-3 students.…
✅Science and math labs and simulations
✅An online physics problem and video bank designed for conceptual, standard, honors or AP1 physics.
✅Prodigies is a colorful music curriculum for kids 1-12 that will teach your kids how to play their first instrument, how to sing in tune & how to understand the language of music! 21 for free
✅Free videos from around the world from grade 3-12
✅QuaverMusic is offering free access to general music activities to all impacted schools, including free student access at-home
✅For students to practice and master whatever they are learning.
✅ReadWorks is an online resource of reading passages and lesson plans for students of all levels K-12.
✅Critical Thinking resources for K-6 students
✅Music Based Spanish Learning
✅Science simulations, scientist profiles, and other digital resources for middle school science and high school biology
✅The Shurley English program for grades K-8 provides a clear, logical, and concrete approach to language arts.
✅Sight reading and sight singing practice exercises.
✅Music practice transformed
✅Spellingcity is free right now with code VSCFree90
✅Kid-friendly workouts — choose from Strength for Kids, Agility for Kids, Flexibility and Balance for Kids, Warm-Up for Kids, Cooldown for Kids, Stand Up and Move for Kids, OR create your own custom kid workout.
✅A collection of hundreds of free K-12 STEM resources, from standalone models and simulations to short activities and week long sequences of curriculum materials.
✅Course sets (Levels 1–5) that combine and thoroughly cover phonics, reading, writing, spelling, literature, grammar, punctuation, art, and geography—all in one easy-to-use, beautiful course.
✅At home OT, PT, and ST resources designed to build skills in children through movement and play.
✅Science projects that can be completed with or without Internet access
✅Next Generation Science video game focused on middle school where students directly engage in science phenomena as they solve problems.
✅Short videos and readings that answer various burning questions for students. There are vocabulary challenges and comprehension questions.
✅K-5 curriculum that builds deep understanding and a love of learning math for all students
✅A quick start resource to help families pull together a plan for surviving the next 1-2 months at home with their kids, but it can also be a time of slowing down and enjoying kids as they learn.
✅450 Ivy League courses that you can take…/ivy-league-free-online-cou…/…
✅Spelling 1-4 grade
✅2,500+ online courses from top institutions
✅22 languages to learn
✅Miscellaneous games for all subjects k-8
✅Phonics and learning to read
✅PreK - 5 games for all subjects
✅Online digital coloring pages
✅Every course you could possibly want to homeschool preschool - 8
✅Every course you could possibly want to homeschool for high school
✅Phonics worksheets for kids
✅Free stories online ages 3-12
✅National Geographic Young Explorers is a magazine designed specifically for kindergarten and first grade students. Children can listen to the magazine being read to them as they follow along with the highlighted text.
✅Learn all about earthquakes
✅Learn all about the periodic table
✅Farmer's almanac for kids... Date, weather, moon phase, etc.
✅Website allows students to play basic games to reinforce math skills and compete against the computer or others
✅Space science for kiddos
✅Math Games, Logic Puzzles and Brain Builders
✅Games, quizzes and fact sheets take kids on a journey through time.
✅NGAkids interactives offer an entertaining and informative introduction to art and art history.
✅News and more for kids
✅Randomly generates 356,300,262,144 story starters
✅Immerse yourself in cryptography
✅Math games galore
✅Tons of science experiments that you can do at home
✅An interactive way to learn history
✅Just explore, have fun, and learn some science along the way.
✅Interactive games based on the book series
✅Work on the 8 parts of speech
✅Learn all about cells
✅All sorts of learning here if you dig in
✅Scratch draws students of all types into coding and lays a foundation for future learning.
✅A wonderful, endlessly detailed way to get kids engaged in the world of art.
✅Tests kids’ geography skills. Using images from Google’s Street View, it plops players down in the middle of the street and asks them to figure out where they are.
✅Allows students to type in any city, state, or country to view an archive of historical photographs and other documents. It’s a unique way to help them learn about history.
✅Short videos about numbers that help kids explore complex math topics and make math more fun.
✅A human visualization platform that allows students to explore the human body in really cool ways.
✅Helps kids learn to appreciate the arts by providing them with the opportunity to play games, conduct investigations, and explore different forms of art.
✅Lets kids play instruments online. Instruments include the guitar, piano, pan flute, drums, and bongos.
✅Crafts, activities, bulletin board designs, and finger plays for early education teachers and parents to use with kids.
✅A large selection of fun songs to help teach preschool and kindergarten students
✅Resource section includes free flashcards, coloring pages, worksheets, and other resources for children, teachers, and parents.
✅Life skills curriculum for students in grades K-12. Their resources include strategies for teaching social and emotional skills.
✅Coding for ages 4-10
✅No need to travel to one of the Smithsonian’s zoos or museums — this website brings your child everything from live video of the National Zoo to the Smithsonian Learning Lab right to their screen
✅Cool Kid Facts gives your child access to educational videos, pictures, quizzes, downloadable worksheets, and infographics. They can use these to learn about geography, history, science, animals, and even the human body.
✅This interactive website, hosted by the U.S. Government Publishing Office, allows your child to see the ins and outs of the U.S. government by taking a series of learning adventures with none other than Benjamin Franklin.
✅This NASA initiative covers a wide range of topics including weather, climate, atmosphere, water, energy, plants, and animals.
✅Ask Dr. Universe is a science-education project from Washington State University. Kids can send Dr. Universe any question they may have about history, geography, plants, animals, technology, engineering, math, culture, and more.
✅Your child can play games, learn fun facts, and find out how to turn coin collecting into a hobby.
✅From rainbows to tornadoes and winter storms to tsunamis, meteorologist Crystal Wicker breaks down the fascinating world of weather.
✅Kids Think Design explores careers in fashion design, graphic design, interior design, book design, product design, film and theatre, architecture, animation, and environmental design.
✅This educational website hosted by the Smithsonian Museum takes a deep dive into ocean life.
✅Brainscape offers over a million flashcard decks for every subject, entrance exam, and certification imaginable.
✅The Theta Music Trainer offers a series of online courses and games for ear training and music theory.
✅Banzai exposes students to real-world financial dilemmas to teach them the importance of smart money management.
✅Innerbody explores the 11 bodily systems in depth. With interactive models and detailed explanations, this website will help them learn more about the internal mechanics of the amazing human body.
✅Alcumus is specifically designed to provide high-performing students with a challenging curriculum appropriate to their abilities
✅Find and fix learning gaps
✅Algebra games for kids
✅Education for kids all topics
✅Math and logic problems for ages 5 and up to adult
✅Science podcasts to listen to with your kids…/19-great-science-podcasts-you-can-list…
✅Coding with Star Wars
✅Tons and tons and tons of games some learning some just fun
✅Crafts, projects, science, recipes for young children
✅Engineering challenges with things you have at home…/
✅Online photograph jigsaw puzzles You can set the pieces from 6-1000+
✅Toddler and preschool age ideas

Hey friends, it's Eli with Century 21!
We all know that interest rates are super low at the moment, but your mortgage doesn't renew for another six months or so, and you're thinking "dagnabbit! I hope the interest rates stay this low for when I have to renew my mortgage!"
Well, the interest rates are on the rise folks.
You will have to renew your mortgage by the time your mortgage term ends and your lender will send you a mortgage renewal notice at least 21 days or so before the term is up.
However, whether you decide to stay with the same current lender or you switch to a different lender for a better rate, you should be on the ball and do some homework.
Did you know that lenders may allow you to renew your mortgage early within 121 days to 180 days prior to your renewal date without a penalty? 
But don't be alarmed if a lender does not offer you an early renewal date not all lenders offer early renewals.
The only time an early renewal is beneficial for Borrowers is when you are in an increasing rate environment, that's because the existing lender is essentially saying "I'll renew your mortgage right now at a current rate before the rates go up"
Whereas, if you want to get a current rate with any other lender right now, you will have to pay a penalty to break the contract with the existing lender.
Now, if you're concerned that interest rates will increase locking in a low interest rate early will help reduce the risk of having a higher interest rate your mortgage term is up, but the benefit of early renewal depends greatly on the rate being offered. 
If the renewal rate is lower than your current rate, or the anticipated future rate, renewing early can potentially help you save money.
So I mentioned this to someone that I know and she was at 3.5% or so, her lender allowed her to renew within three months prior to the end of her term and she was able to take advantage of the new lower rate and received 1.49% and she locked that baby in for another five years! 
At those interest rates, you can probably pay close to around $100,000 down on your mortgage instead of only about $50,000 at the higher interest rate.
So, of course, there are lots of variables with these numbers but you get the idea, right? 
You'll save lots of money on your interest.
Locking in a mortgage rate early may come at a cost such as you know, an extra 10 or 20 or 30 basis points on your new locked-in interest rate, and if interest rates end up dropping before your mortgage term is up, then locking in a rate early on could mean missing out on better rates. 
So it is a little bit of a gamble that you have to choose and decide. 
Since you don't have to stick with the same lender for your mortgage renewal it is worth shopping around and exploring your options starting around maybe 120 days or so, or four months, before the end of your mortgage term. 
When shopping around and weighing your options you can find the best mortgage rate, or mortgage product, to help you save money and complete the paperwork in time to switch to lenders on your mortgage renewal date.
I'm by no means a mortgage broker or specialist so please contact your trusted mortgage professional for more information and the best advice that fits your needs.
The bottom line is that when deciding on an early mortgage renewal, it's important to weigh the options, the cost, and benefits to see if it's worth it and a mortgage professional can help you make that easier. 
So, find the best mortgage product for your financial situation, your lifestyle, and your future goals. 
Hope this was helpful guys.
Thanks so much for watching!
Take care!
PS:  If you’d like to learn more about how I can help you navigate through this unique market, text me at 778-256-2888.
PPS:  If you thought this information was helpful, please share the love with your friends!
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