Here’s To 2023!

Happy New Year!!! I can’t believe it is already 2023. The past year sure has flown by!
My key thoughts on the market going into the new year here:
- The purchase of income generating properties, such as rental and commercial investments with a 4 to 6% cap rate for the investor that would like to have a lower risk/ hands on approach to their investment
- Purchasing rural or agricultural land for the long term investor to keep a steady growth/ lower risk/ income generating investment for their portfolio
- Selling farmland and rural properties for the seller ready to downsize and take advantage of strong farm prices, and decreasing purchase prices on more manageable properties to suit their lifestyle
Contact me anytime to discuss your properties value or to get updated with the latest listings of interest suited to your needs!
Have you made a resolution for the new year? If not, here are some ideas to inspire you and your family.
- Try a new recipe or food each week
Experimenting in the kitchen can be a lot of fun and I encourage you to switch up your family’s usual rotation of reliable meals. I like to check out minimalistbaker.com or acozykitchen.com for inspiration and great recipes.
2. Read more
Whether it be reading the newspaper or a good old fashioned novel, most of us want to carve out more time to be immersed in a great story. If you are looking for a good recommendation, your local library is always a great resource for books (and more)!
- Grey Highlands Public Library
- West Grey Library
- Southgate Public Library
- Owen Sound & North Grey Union Public Library
- Meaford Public Library
- Hanover Public Library
- L.E. Shore Memorial Library, The Blue Mountains Public Library
- Bruce County Public Library
3. Learn or refine a new skill
Learning a new skill keeps your mind sharp. You could combine two resolutions and hone your cooking skills by making a complicated recipe you’ve been eyeing online. Your family could learn a new skill together – such as playing instruments to start a family band!
4. Plan an adventure
There is beauty in all corners of Grey Bruce. This is truly an amazing place to live and I am so grateful my job takes me around the area so I can experience it all. My Pinterest is a great resource for finding guides and lists of things to do in the area.

Cyprus Lake, Bruce Peninsula. Photo by Matt Green
5. Take an active role in your community
This resolution might look like performing one random act of kindness a week to brighten your neighbour’s day. Or volunteer or donate to a cause that is important to you. If you want to be more politically involved, you can go to council meetings. Join a local club or attend community events like Grey Bruce Farmers Week January 4, 2023 to January 10, 2023. I will be there with Wayne Shier, Broker of Royal LePage RCR Realty. If you are interested but can’t make it in person, you can attend virtually. Be sure to stop by and chat if you are attending!

Graphic from gbfw.ca
If you’re entertaining the idea of selling and finding your next dream home in 2023, I’m here to help. I can provide you with the market data and insights you need to make an informed decision. If you do decide to move, I can make that happen for you — smoothly and successfully.
Best Rivers & Lakes to Paddle in Grey & Bruce

We like to think Grey and Bruce counties have some of the best outdoor activities in all of Ontario! We’re especially proud of our paddling routes. Whether you canoe, kayak, or stand-up paddleboard, we’ve got a great route for you!
Rivers in Grey & Bruce Counties
The popular Saugeen River starts in Hanover, winds through Paisley, and stretches to Southampton and Denny’s Dam. One of the best canoe routes in Southern Ontario, this 102-kilometre trip passes by wooded shorelines, through small towns and villages, and between breathtaking bluffs. Visit Explore The Bruce’s paddling tours page for maps and more information on six segments of this river.
The gently flowing Beaver River is perfect for novice paddlers. Running from north of Kimberley to the village of Heathcote, this route features some of the most spectacular scenery in Southern Ontario, with panoramic views of the Niagara Escarpment and the surrounding countryside. Enjoy open areas and wooded stretches, wildlife viewing, and fishing. FYI: You may need to make short portages to bypass log jams.
If you are near Owen Sound, check out Sydenham River and Harrison Park. Canoe rentals are available at the park, and you can paddle south to the mill dam or north towards the bottom of beautiful Inglis Falls.
Lake Huron
On calm days, a paddle along the Lake Huron shoreline is a destination experience.
For intermediate paddlers, a popular destination is Chantry Island, about 2 kilometres off the shore of Southampton. The island is home to a federal bird sanctuary, a lighthouse, and a restored lightkeeper’s home (book a tour to visit the island). Foot traffic is permitted on the island if you are with a tour group.
Near Oliphant, a great paddling route is among the Fishing Islands, a chain of islands stretching 20 kilometres north from Chief’s Point to Pike Bay.
Georgian Bay
For the very experienced and adventurous paddler, a sea kayak is your best choice for exploring the clear waters and stunning views of Georgian Bay, “the sixth Great Lake.” All the way from Tobermory to Owen Sound, Meaford, Thornbury, and further east, the shoreline has numerous bays and inlets to explore.
In Tobermory, glide over shipwrecks in Little Tub and Big Tub harbours.
Near Thornbury, paddle to the wreck of the Mary Ward, four kilometres from Northwinds Beach (parking fees apply).
Much of the Georgian Bay route is shared with larger, motorized boats, so exercise caution.
Bell’s Lake
Bell’s Lake is a remote and beautiful property owned by Saugeen Conservation. There are no facilities or amenities on this property, but it is well known locally for its canoeing, calm waters, and peaceful surroundings.
Where can I find more information about paddling in Grey and Bruce counties?
Visit Grey County’s paddling page, Explore The Bruce’s paddling tours page, or Bruce Grey Simcoe’s Where to Paddle page.
Explore the Trails in Grey & Bruce!

Grey and Bruce counties offer an abundance of outdoor recreation opportunities. Our region offers many trails for any kind of outdoor activity you can think of: everything from hiking and cross-country skiing to horseback riding and snowmobiling.
Here are just a few of our favourites!
Horseback riding
Glendale Farms Riding Ranch is located just outside Owen Sound in Benallen. This small, unique riding ranch offers a riding program, more than 35 well-schooled horses and ponies, 2000 acres of groomed trails, two outdoor grass riding rings, and a newly built bright indoor Coverall riding ring. Glendale Farms caters to all levels of rider.
Hollow Hills Equestrian Centre, located north of Hepworth, offers riding lessons, horse camps, equipment rental, a heated tack room, a laundry room, and a viewing room.
Windsong Ranch, located southeast of Owen Sound on Grey Road 29, welcomes horse enthusiasts of all ages. Riders can enjoy rolling hills and winding forest trails on your own horse or their experienced horses. They take groups of up to 10 people, and beginners are always welcome. They offer trail riding, horse leasing, basic and beginner’s lessons for trail riding, driving lessons, English & Western coaching/lessons, boarding, transportation, and more.
The Bridal Path Equestrian Centre, just south of Wiarton, offers riding lessons and camps, equine exposure, schooling shows, indoor boarding, and horse training.
Want to learn more about horseback riding? Read my blog posts, 10 Tips for Horse Trail Riding and 10 Tips for Horse Care. Visit Grey County’s horseback riding page for more trail information.
Hiking the Bruce Trail
The Bruce Trail is Canada’s longest marked footpath, running 900 km along the Niagara Escarpment from Niagara Falls to Tobermory at the top of the Bruce Peninsula.
The trail passes through some of the larger towns in our region (Owen Sound, Wiarton, Lion’s Head, and Tobermory) and takes hikers past many impressive waterfalls.
Just south of Owen Sound, Inglis Falls rises high above the Sydenham River and is a popular destination to start hiking on the many trails accessible from the parking lot right next to the falls.
Near Wiarton, Skinner’s Bluff and the caves and trails at the Bruce’s Caves Conservation Area are local gems.
Want more information? The Bruce Trail Conservancy offers both a print and digital version of Bruce Trail Reference Maps & Trail Guide.
Mountain biking
Bruce County is proud to be home to some of the best mountain biking trails in Ontario. Get ready for great riding at their four locations:
The mountain bike adventure park (Albermarle Tract) in Wiarton has approximately 20 km of trail with rock and technical riding. One special feature is the pump track, a continuous loop of packed dirt that can be ridden without pedalling using a series of rollers and berms, allowing riders to gain momentum and reach high speeds.
The Brant Tract in Paisley contains some spectacular single-track trails built using only hand tools. There is approximately 20 km of trail ranging from easy to difficult, and all trail intersections are marked.
The Carrick Tract in Mildmay is the best single-track in Bruce County. The soil and gravel-based trails provide great riding conditions that are dry almost all season long.
The Lindsay Tract at Miller Lake is the largest of the County forests with more than 8,000 acres. This diverse property contains sensitive habitat for the black bear and Eastern Massasauga rattlesnake. Construction on the mountain bike trails began in May of 2008, and new trails continue to be built.
Where can I find more information about trails in Grey & Bruce?
TrailForks lists trails for mountain biking, e-biking, hiking, trail running, horseback riding, observed time trials, ATV/ORV/OHVing, snowmobiling, snowshoeing, and skiing (downhill, backcountry, and nordic).
Grey County lists cycling routes and businesses and hiking routes and businesses.
Bruce County lists trails and routes for mountain biking, ATVing, hiking, canoeing/kayaking, horseback riding, winter, cycling, and community trails.
Grey Highlands lists hiking trails on their website.
Explore the Bruce lists hiking, mountain biking, and caving trails in Bruce County.
What is Permaculture?

As sustainable agriculture and green lifestyles become part of the mainstream conversation, the ideals and concepts of a largely underground social movement have been highly influential: permaculture.
What is permaculture?
Bill Mollison, a professor of biogeography and environmental psychology at the University of Tasmania, first coined the term in 1978 and defined it as follows:
“The conscious design and maintenance of agriculturally productive systems which have the diversity, stability, and resilience of natural ecosystems. It is the harmonious integration of the landscape with people providing their food, energy, shelter and other material and non-material needs in a sustainable way.”
In other words, permaculture is a holistic and sustainable worldview, as well as a technical approach.
The word “permaculture” was intended as a contraction of the words “permanent” and “agriculture.” The root word “permanent” is used to refer to sustainability. Today, permaculture has been expanded to include the meaning of “culture.” Practitioners are known as permaculturists or permies.
What are the principles of permaculture?
Bill Mollison and his graduate student, David Holmgren, developed the principles and practices that are now taught around the world in the Permaculture Design Course, typically a two-week immersive experience held on a permaculture farm or property.
Five of the more well-known principles are closed-loop systems, perennial crops, multiple functions, eco-earthworks, and letting nature do the work for you.
Closed-Loop Systems
Any system that provides for its own needs is inherently sustainable. This concept can include things like biofuels and solar power to what permaculturists call “inputs,” like food and fertilizer.
For example, rather than bringing in fertilizer to a farm or garden from elsewhere, a system could serve its fertility needs from livestock manure or cover crops. Livestock could be fed from grain and forage crops on the land, as well as vegetable and food scraps usually disposed of during meal prep.
Permaculturists like to talk about how a successful closed-loop system “turns waste into resources” and “problems into solutions.” Bill Mollison was fond of saying, “You don’t have a snail problem. You have a duck deficiency.”
Perennial Crops
Tilling the ground once or twice a year isn’t particularly good for the soil. Perennial crops that are planted just once are a better choice than annual crops that require constant tillage.
Agroforestry (the cultivation of edible tree crops and understory plants) is emphasized in permaculture. An example of this is shade-grown coffee or cacao plantations in South America. One challenge to this method is that most of us eat only a few perennial crops. However, if we could replace all the monoculture crops in the world (corn, soy, and wheat) with agroforestry systems, agriculture would be much more sustainable.
Multiple Functions
One of the more unique ideas of permaculture is that every component of a structure or landscape should perform more than one function. An integrated, self-sufficient system can be achieved through strategic design and placement of components. Permies call this “stacking functions.”
For example, if you need a fence to contain animals, you could make it work as a windbreak, a trellis, and a reflective surface to direct extra heat and light to nearby plants.
Another example: a rain barrel could be used to collect water, as well as raise aquatic food plants and edible fish.
Eco-Earthworks
Water conservation is a major focus on permaculture farms and gardens. The earth is often carefully sculpted to use every last drop of rain for a useful purpose. This may take several forms:
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terraces on steep land
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swales on moderately sloped land (broad, shallow ditches that capture runoff and allow it to soak into the ground around plantings)
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systems of canals and planting berms on low swampy ground
This last method is modelled on the chinampas of the ancient Aztecs, a way of growing food, fish, and other crops in an integrated system. Permaculturists often talk about this approach as the most productive and sustainable form of agriculture ever created.
Let Nature Do the Work for You
Permaculture is maybe best captured in the Mollisonian ideas of “working with, rather than against, nature” and engaging in “protracted and thoughtful observation, rather than protracted and thoughtless labour.”
In practice, this means employing methods like chicken tractors that harness the natural scratching and bug-hunting behaviour of hens to clear an area of pests and weeds in preparation for planting.
Another technique is planting mashua under locust trees. Locust trees are known for adding nitrogen to the soil. Mashua, a vining, shade-tolerant root crop from the Andes, needs a support structure to grow on. Planted together, the locust tree and the mashua benefit from each other. The locust trees also provide shade, serve as a nectar source for bees, and are aesthetically pleasing.
Is HST Charged on Farm Sales?

As a general rule, farmland is taxable unless there is an exemption. If no exemptions apply, the buyer and seller may choose to decline the Harmonized Sales Tax (HST) if certain conditions are met.
What is the CRA definition of farmland?
The Canada Revenue Agency (CRA) generally considers farmland to mean land that is regularly used to earn or produce income from a farming business. It can also include vacant land like bush or forest and any buildings that are not used directly for a farming business.
What are the HST exemptions for farmland?
The following three situations qualify for an HST exemption:
Selling or transferring a farm to a related person (or former spouse or common-law partner) for their individual use and enjoyment. The farmland must have been used for farming at some time prior to the transfer and not used for any other commercial activity immediately before the transfer.
A partnership, trust or corporation selling a farm to a partner, beneficiary, shareholder or relative for their personal use and enjoyment. Immediately before the transfer, 90% or more of the property should be used for farming. The partner, beneficiary, shareholder, spouse, or child of that individual should be actively engaged in the business of the partnership, trust, or corporation.
An individual or a trust selling or transferring personal use property. The exemption applies to farmland that has not been used primarily for farming but not for land held by corporations or partnerships. It also does not apply if the property has been previously subdivided or severed into more than two parts, unless these portions were sold to a related person or former spouse/common-law partner for their personal use and enjoyment.
When can sellers and buyers choose not to charge/pay HST on farmland?
There are two situations when HST payment can be declined:
Selling an ongoing farming business. The farmer and the purchaser may jointly choose to decline the HST payable by completing form GST44. The buyer must buy 90% or more of the property required to carry on the business. This choice is not available when the seller is registered for the HST, but the buyer is not.
Estates – the estate of a deceased individual and the beneficiary may decide together to have no HST payable if one of these conditions is met:
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the deceased used the farmland in a business right before death
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the estate is transferring the business assets according to the will or applicable laws to a beneficiary and an HST/GST registrant
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the farmland is used in a business by the beneficiary