CANDIS NOBLE

NOBLE & HOME | Introducing Prestige - Spring 2024 - Sizzle! Out now: the Spring 2024 issue of Berkshire Hathaway HomeServices Prestige magazine. This issue spotlights remarkable properties from across the network, while exploring the draw of luxury homes with million-dollar views, the rich culture of New Orleans, the evolution of garages into luxury havens, and the vibrant transformation of Washington D.C.!

Whether Selling your home or Buying real estate in Downtown Montréal, the Greater Montréal areas, West Island, or surrounding Off-Island areas... You'll want to be represented by a real estate broker who will guide you, protect you, and and have your best interests top of mind. Noble & Home | Accepted Offers; Sales and Upcoming Listings Galore! With (2) two Record Sale Transactions, an Accepted Conditional Offer in process and (6) six Upcoming New Listings in this last month alone...it's a terrific start to the year as we anticipate compelling interest rate news along with increased market activity. So let's dive into the latest happenings at NOBLE & HOME! I'm thrilled to have represented my most recent buyers in this new year; who had very specific areas of interest, lifestyle needs, time-frames, constraints, and financial goals to be considered... Not just any home would do... We targeted our objectives and made an efficient plan of action. The result? Within a week we found my clients, their perfect dream home!... and now have an accepted conditional offer! Stay-tuned for updates~! The market ramped up in January; resulting in a firm Sale as we head into the increasingly-paced Spring real estate market! I sold my fabulous listing in this first week of February! This outstanding Verdun Executive Condominium Sold at a *RECORD SALE PRICE; having brought in the highest selling price sold for any condo unit in its building! Yes. Staging, Marketing, and Paying Attention to Detail... Makes all the difference! Have questions about how I will stage your home entirely for free; market it and strategize the launch of your listing? Reach out and let's discuss it today! The market is moving faster than you realize; so don't wait ... and risk missing out. Rentals? Certainly, I do rentals! With a keen focus on obtaining the highest rental income possible for my clients' needs; in a time-frame which suits their desired rental-cycle, my approach to rental properties is strategic and client-oriented. I am pleased to have rented this outstanding two-bedroom luxury condo at the right price and with the right conditions for all parties. And, once again closing with a *RECORD RENTAL PRICE for this building!... Which I have succeeding in doing twice in this building for my investing clients. Helping Landlords and Tenants build lasting relationships is not only a responsibility, but my sincere pleasure...with happy new beginnings for all! Thinking of renting your property? We need to talk. Reach out and let's make a plan today! Noble & Home | Coming Soon! Noble & Home | Accepted Offers; Sales and Upcoming Listings Galore! I have (6) six exciting New Property Listings coming soon! The market has opened up quickly this year and is waiting for no one... Let's discuss your real estate goals and jump into this exciting Spring market today... TOGETHER! • Luxury CollectionTownHome • Two-Story Waterfront Home • Two-Story Home w/ Direct River Views • Two-Story Family Home • Fully-furnished Two-Story Home Rental • Two-Bedroom Condominium So be sure to Subscribe To NOBLE & HOME and stay updated. Will I Be Listing Your Property Next? Let's talk

"Let's take it up a notch. Are you ready? Disrupting the real estate game and leveling up is what I do." I elevate and simplify your real estate experience. As a realtor, interior designer, and luxury marketer, my expertise is in researching, pricing, home staging, marketing, strategizing, collaborating, and negotiating. And paired with the esteemed international Berkshire Hathaway brand your real estate experience is set for inestimable success. My background in interior design sets a unique foundation upon which my real estate career was built. Decidedly about the details, my number one goal is to protect my clients. It's tough out there in real estate... with many pitfalls and landmines just lying in wait, for the "uninitiated". As a career Interior Designer before my life as a Top Real Estate Broker in Montreal, I could have easily taught courses in home staging. Instead, I chose to change career paths and follow my own personal dream of being a Luxury Real Estate Broker...and, bringing my design expertise with me, for my clients' benefit! FREE Designer Home Staging for All My Listings! My providing complimentary designer home staging for my listing clients is merely the starting point for my sellers; I "talk the talk" of design when showing your property as well... and when we visit your soon-to-be new home, next! "Just imagine this space if it were opened up like this... (grabs a pen & paper to sketch a quick perspective drawing)" I love marketing properties. And marketing is about more than simply staging and using top-notch photography, it is also about telling the compelling story of your property. And, it is important. Centris MLS property listings can and should be more than lists of features. Isn't there more to the story of your home than merely its four walls? My focus in marketing real estate is results-driven and ensures that your listing gets the attention it deserves in this competitive real estate market. Negotiation Skills that Get Results Real estate is not simply buying or selling property; it is about people. And, people are emotional; particularly when it comes to their homes. When making offers or discussing sensitive issues after a home inspection, It is important for your real estate broker to have a firm set of negotiation strategies in place... This is when it's game on. Negotiating is at its finest, when the deal leaves everyone feeling heard, valued, and respected. It really is not about the buyer or the seller winning, so much as it is about each party feeling the negotiated outcome was reasonable and fair... and when that happens, both parties feel, that they have won. Having a background in psychology; paired with having taken several master classes in negotiation; I am a highly skilled negotiator (and a chess player). I read the room well and come to the table with a collaborative mindset; whereby, each party will come away having benefitted, by making the deal happen. Partnering with Berkshire Hathaway HomeServices "Backed by the prestigious brand Berkshire Hathaway HomeServices, sets up the game board for excellence. Berkshire Hathaway HomeServices is a global real estate brand known for its integrity, professionalism, and exceptional service and as a part of this renowned network, I have access to a wealth of resources, cutting-edge technology, and my team of experienced professionals who are committed to providing the highest level of service and solutions to any real estate need. Your winning team for success; our combined expertise, market knowledge, and commitment to excellence is My Foreveragent Promise to You that you will have a real estate experience that is second to none." Real Estate Elevated Are you ready to elevate your real estate expectations? Let's change the game, together... you, me, and Berkshire Hathaway HomeServices. After all, you exceed expectations, and Candis Noble will exceed yours as well, every step of the way... turning your real estate goals into reality. Let's change the game, together! Experience the Difference with Candis Noble As a Top-Tier Real Estate Broker, and one of Montréal's Best Realtors, Candis Noble brings her remarkable real estate expertise and marketing finesse to the table. Present and available day through evening, Candis opens her clients' doors and provides property feedback regularly. Candis Noble is unparalleled in protecting her clients through her diligence and care; her experience in the industry, her understanding of market fluctuation, and her presentation of her properties. Elevating The Real Estate Game: Candis Noble & Berkshire Hathaway HomeServices Elevating The Real Estate Game: Candis Noble & Berkshire Hathaway HomeServices; With her background in interior design, psychology, and her keen attention to detail, Candis has a thorough understanding of a home's target buyer, and how to make your home truly stand out; making it irresistible to potential buyers. Backed by esteemed Berkshire Hathaway HomeServices, one of the most prestigious and respected real estate agencies in the world, Candis Noble brings the ultimate in International exposure, Luxury Branding, and Real Estate Expertise; And that... is a Game-Changer. #realtorlife #realestateexpert #interiordesigner #luxuryhomes #homeselling #homestaging #realtormarketing #realestatestrategy #negotiationexpert #berkshirehathawayhomeservices #realestatebranding #realestateexcellence #realestateknowledge #realestateprofessional #realestateindustry #marketingproperties #realestatestorytelling #resultsdriven #negotiationskills #collaborativemindset #chess #realestatepartnership #realestateelevated #experiencethedifference #toprealtor #marketknowledge #homepresentation #internationalbranding #gamechanger #realtorsuccess #realestategoals #interiordesign #toptier #leading #realestatebroker #homestaging #stratey #negotiation #elevate #montreal #westmount #nunsisland #hudson #saintlazare #westisland #pointeclaire #beaconsfield #baiedurfe #senneville #saintlaurent #tmr #outremont #lachine #kirkland #ilebizard #oka #chertsey #sainteannedebellevue #iopenthedoor #workingwitharealtor #realestate #luxuryrealestate #buyer #seller #buyingahome #sellingahome #realestatemarket #winning #details informverifyadvise #disruptingrealestate #takingitupanotch #sellingrealestate #buyingrealestate #centris #mls #listings #candisnoble #luxuryrealtor #nobleandhome

Mastering the Sale: Expert Insights info West Island Real Estate from Your West Island Real Estate Agent, Candis Noble Considering selling your property in Montreal's West Island? Terrific! First things first; there is a lot to consider indeed. It is about more than listing your property quickly and waiting for buyers to come... It is about attracting qualified targeted buyers and securing the best deal with the right conditions for you; all while protecting your interests, needs, and financial goals. Ensuring a seamless process is paramount; particularly when needing to sell a property prior to buying another. Timelines, mortgages, and closings can be intricate things. As an established West Island Real Estate Broker; who represents properties across all price points and sizes, I understand this and help my clients navigate the intricacies of the local West Island real estate market; and equally importantly.... How they compare from borough to borough, to know best how to target our ideal buyer. So let's delve in and provide you with some invaluable insights and tips to help you obtain maximal value for your home. Tip: Seek advice from Candis Noble; Local West Island Real Estate Expert for a Current & Accurate Assessment of your Property's Value! Set. The. Stage. Home Staging and Curb Appeal First impressions matter, especially in real estate. Potential buyers form rapid opinions about your home from the mere second they walk over the threshold. It's the little details that are easy to overlook. This is where home preparation plays a crucial role. Home Preparation and Curated Designer Home Staging Elevate your home's exterior by maintaining the lawn, planting flowers, and ensuring a welcoming entryway. A well-kept exterior creates immediate curb appeal and attracts more potential buyers. Tip: Ask me, your West Island Real Estate Agent for Home Staging tips specific to your property. *Did you know I am an interior designer who offers FREE Home Staging for All My Property Listings? Reach out; Let's talk! We've all heard it, and it's true... Consider selective decluttering and rearranging your furniture to create an inviting atmosphere with easy flowing circulation spaces. And, open up those blinds, and let the sun stream in. A fresh coat of paint and minor repairs can make a significant difference. Tip: Download Candis Noble’s Free “Before you Sell” Home Preparation Guide HERE Strategic Pricing Determining the right price for your home is a delicate balancing act; a true strategic art. Buyers are smart. And, more interestingly... These days? Buyers seem prepared to wait. The takeaway? Setting your home's price too high, risks deterring potential buyers, while setting it too low, risks leaving money on the table. This is where having a clear strategy is absolutely imperative. Decoding the West Island Market | Statistics & Comparable Sales There are important considerations and impactful preparations prior to staking that "For Sale" sign on your lawn; understanding the local real estate market is your most imperative first step. In the West Island of Montréal, market dynamics differ between neighbourhoods like Pointe-Claire, Dorval, Beaconsfield, Baie d'Urfe, Dollard-des-Ormeaux, Kirkland, Pierrefonds, Sainte-Anne-de-Bellevue, Pierrefonds, and Senneville; all with varying attractions, lifestyles, amenities, demographics and price-points. It is essential to be aware of the current market conditions within each borough; each municipality as well as the local statistics; on your very own street corner. After which, the most recent sales of the most similar properties to yours, in the closest proximity to yours need to be reviewed in depth using the appropriate attributive values to gauge the actual market value of your property. Now, don't go comparing your next door neighbour's bungalow to your two-story property... that doesn't work. Tip: Trust in Candis Noble, your local West Island real estate expert to guide you through the process! Read Candis' Client's Reviews here: What is the Current Market Condition in Your Area? Consider the current state of the real estate market in the West Island and your municipality in particular. As NOBLE & HOME discussed in our most recent blog post; QPAREB Unveils 2024 Quebec Real Estate Forecast | The time is now... discussing the just dropped QPAREB 2024 Report (Quebec Professional Association of Real Estate Brokers), we are approaching a more balanced market in this coming year. And, as interest rates find their footing, the market will shift accordingly. No one can "time" a market, but we can do our best with the tools we have (and we have many) to navigate it and act swiftly and accordingly as new information arises; whether it be a buyer's market; a seller's market, or something varying in between. Tip: Rely on the expertise of Candis Noble, your West Island real estate broker to assist you in setting the right price. Reach out today to Receive Your Free Home Valuation Report... With no pressure nor obligation; merely good professional information you can use immediately to set your goals for down the road! Mastering the Art of Negotiation The delicate and deliberate art of negotiation is where the expertise of Candis Noble; a top West Island real estate agent, truly shines. It's not just about securing the optimal price; it's about obtaining the most favourable terms, conditions, and timeframes for my clients whether I represent the Buyer or the Seller. Real discussions in buying and selling properties require clear knowledge, understanding, and interpretation of the details because details matter a lot. It's where deals can easily be made... or fall apart. Fortunately for her clients, Candis Noble's strong education and background in business, interior design, industrial relations, psychology, and the art of negotiation serves her clients well. Tip: Trust in Candis Noble's Sharp Negotiation Skills to Navigate Complexities and Avoid Pitfalls; Securing the Best Deal for You. Around-The-Clock Availability and My Commitment To You In the fast-paced world of real estate, accessibility is key and I am here for you around the clock, ready to make those late-night calls or early-morning viewings. Your schedule is my priority, and you can be assured I will always personally "open your door" for all viewings. No lock boxes. Candis Noble as Your Trusted Realtor When choosing any West Island real estate broker as your listing agent, consider their attributes carefully: professionalism, experience, proven results, marketing, home staging, use of professional photography, a broad network of professionals, agency's global exposure with respected international reach, and a realtor whose vision aligns with your financial goals, timelines, and specific needs. Candis Noble is your seasoned real estate professional committed to achieving your real estate goals; providing outstanding results. Tip: With Candis Noble as your Trusted Realtor; Benefit from her Experience as a Top West Island Realtor, Interior Designer, and Luxury Property Specialist who provides... Designer Home Staging, Targeted Marketing, Negotiating Expertise and Concierge-Level Service Working together with Candis Noble | We've got this... Mastering the Sale in West Island Real Estate... Selling your home in the West Island can be a smooth, seamless and enriching experience with the right guidance. By embracing the realities of your local market, enhancing your property's appeal, pricing your property strategically, mastering the art of the launch... Collaborating with Candis Noble a West Island real estate professional with Berkshire Hathaway HomeServices Québec, you're on track for an exceptional professional experience and a successful transaction. Feel free to Reach out for more information and uncover the genuine potential of your West Island property with Candis Noble's expert guidance. Click here to embark on your real estate journey today!

Stable Market Conditions As we step into the promising landscape of 2024, Quebec's real estate market is set to undergo a welcome transformation. The Quebec Professional Association of Real Estate Brokers (QPAREB) recently released its comprehensive year-in-review and 2024 outlook, shedding light on key trends and projections. In the first of this year's NOBLE & HOME Real estate, Lifestyle and Design Blog post, we dissect the valuable insights provided by QPAREB, giving you a glimpse into what the year holds for both homebuyers and homesellers. QPAREB Unveils 2024 Quebec Real Estate Forecast | The Time is Now... A Return To A More Normal Market According to Stéphanie Lapierre, QPAREB's chief economist, 2024 is poised to usher in a return to a more normal market. The forecast predicts stable prices and sales close to historical norms, offering a breather for realtors, buyers, and sellers alike. While a slight drop of 2% in province-wide transactions is anticipated, this aligns closely with the historical average of 78,000 transactions over the last two decades, making it a robust year ahead for the Quebec real estate market. Factors Influencing Market Dynamics The anticipated transaction drop is attributed to factors such as high-interest rates at the beginning of 2024, a modest increase in the unemployment rate, and a slowdown in the economy. However, Lapierre suggests that the market is expected to pick up as the year progresses, driven by a combination of low inventory and subsequent interest rate cuts by the Bank of Canada. Buyer Negotiating Power – A Short-Lived Advantage Buyers are expected to wield more negotiating power at the start of the year, thanks to an increase in new listings. This window of opportunity, however, is projected to be short-lived. The announcement of interest rate cuts later in the year, coupled with increased immigration, is predicted to shift the market dynamics, empowering sellers once again. Regional Variances in Price Trends While the overall median prices for single-family homes in the province are expected to remain relatively stable in 2024, Montreal and Quebec City tell slightly different tales. In Montreal, median prices for single-family homes are projected to rise by 2%, reaching $549,400, while condos are expected to see a 1% increase, reaching $395,600. In contrast, Quebec City is set to outperform the province, with a 5% increase in single-family home prices (to $368,000) and a 1% growth in condo prices (to $244,900). Overbidding Trends and Negotiation Processes Overbidding, which was in decline throughout most of the province, remains a common practice in the capital, particularly in Quebec City. Demand for single-family homes is strong, yet availability is limited, leading to one out of every four transactions experiencing overbidding. Montreal, despite a decline in overbidding, still sees competitive scenarios for well-priced, high-quality homes in desirable locations. More Balanced Conditions QPAREB Unveils 2024 Quebec Real Estate Forecast and the time to prepare is now. As we venture into the new year, Quebec's real estate market appears to be navigating towards more balanced conditions. The insights provided by QPAREB offer valuable guidance for both buyers and sellers, highlighting the importance of timing and market dynamics. Whether you're looking to negotiate favorable terms or capitalize on strategic pricing, staying informed about the ever-evolving real estate landscape will be key to success in the year ahead. Considering Selling or Buying? The 2024 real estate market holds exciting promise, especially for those captivated by: The prime downtown Montreal Properties, the many West Island Suburban Properties as well as the unique and Varied Lifestyle Property Opportunities in Hudson, Saint-Lazare and Vaudreuil! I am Candis Noble, your dedicated trusted Real Estate Broker, Advisor, Interior Designer and a *Top-Rated Montreal, West Island and Hudson & Saint-Lazare Realtor... Offering bespoke service, and my exclusive Free Designer Home Staging with each and every listing! Let's explore the opportunities for selling and buying real estate together! Luxury Properties The West Island as well as the off-island of Montréal offers a collection of coveted waterfront and non-waterfront homes, from stately lakeside Signature Boomtown homes in Pointe-Claire Village to the many resplendent properties throughout Dorval, Beaconsfield, Baie-d'Urfe, Sainte-Anne-de-Bellevue and Senneville; each with their many unique and impressive views and lifestyles. Specializing in selling and buying luxury properties throughout these as well as Île-Bizard, Notre-Dame-de-l'Ile-Perrot, Vaudreuil, Hudson, Saint-Lazare, Rigaud and Oka areas, I am especially equipped to guide you through these unique real estate markets as a local expert in these areas. Top-Rated Real Estate Services Partner with me, Candis Noble, a top-rated Real Estate Agent representing Berkshire Hathaway HomeServices, acknowledged as the one of the most trusted and recognized real estate agencies worldwide; whether you are seeking a single-family home or a multi-family property, land, lots or Properties in Westmount, The Plateau, Verdun or Lachine...even Montéregie, Lanaudière and the Laurentians. I am committed to ensuring your journey is not only smooth but also a resounding success. Whether you are considering Buying or Selling Real Estate... I am ready to turn your dream home aspirations into reality. Contact me, Candis Noble today! Let's make your real estate dreams come true in 2024!

Your home is more than just four walls; not only is it is a significant investment, but it is also a place filled with memories. When it comes to selling your property in the West-Island, Saint-Lazare, or Hudson areas, having the right listing agent by your side can make all the difference. I'm Candis Noble, and I'm here to guide you through the process with professionalism, expertise, with a bit of fun along the way. Why Candis Noble? Local Expertise... It's a thing! In the world of real estate, local expertise is like having a secret weapon. As someone who has not only resided in the West Island, Hudson, and Saint-Lazare communities, but also actively sells and buys real estate there as well, I bring invaluable insights into market conditions, local regulations, and the specific needs of potential buyers as a local real estate expert. I specialize in high-end residential properties; yet represent properties in all price-points and sizes... ensuring that your home gets the attention it deserves. Why not consider making the right move within the West Island Hudson or Saint-Lazare? Keeping it real Let's talk numbers without the confusing jargon or obfuscation. Clear and consistent communication is my commitment to you. From property preparation, my complimentary designer home staging, professional photography, to honest numbers and marketing strategies tailored for your property, I believe in transparency. Nothing hidden, nor elusive; just straightforward conversation as we put-our-thoughts together (your intimate knowlege of your property along with my real estate and design expertise) in our unified approach to selling your home. Afterall... we are a team effort! The Importance of Having A Strong Top-Notch Network of Professionals Behind every successful real estate transaction is a network of professionals. In addition to my selling clients benefitting from my own designer home staging expertise, I provide my rolodex of established connections; including skilled contractors and experts, home inspectors, photographers and videographers, land-surveyors/arpenteurs, mortgage lenders, notaries and my pool of potential buyers! My network provides for efficiency in obtaining information and services which results in expediting the selling process. Candis Noble's Reviews and Client Testimonials: Your trust means everything to me, and the words of past clients speak volumes. Check out my 5-Star ⭐️⭐️⭐️⭐️⭐️ Google reviews, but don't stop there. Ask for references and connect with previous clients to get a firsthand account of their experience. "Outstanding!" "With Candis by your side, you can expect thoughtfulness and impeccable execution every step of the way! Protecting her clients’ interests is her top priority; this put me at ease throughout the process. Thorough research, gorgeous staging, efficient marketing, warm and professional guidance, strategic thinking, never losing sight of my goals while staying on top of all the essential details... Candis sets the bar very high and working with her these past few months has been an amazing and rewarding experience. I feel very fortunate. Thank you for turning my real estate dreams into reality!" ​ Nathalie T  |  Le Sud Ouest, Montréal & Pointe-Claire, West Island The Delicate and Deliberate Art of Negotiation | Where Candis Noble Shines! Negotiation is an art, and I have mastered it. When it comes to buying or selling your property, I'm not just about getting the optimal price; I am also sharply-focused on obtaining the most favorable terms, conditions, and timeframes for my clients. When buying and selling properties there is more-often-than-not, a need for real discussion... and those discussions require a clear knowledge, understanding and interpretation of the details... Because; details matter a lot. Around-The-Clock Availability and My Commitment To You In the fast-paced world of real estate, accessibility is key. I am here for you around the clock, ready to make those late-night calls or early-morning viewings. Your schedule is my priority and you can be assured, I will always personally "open your door" for all viewings. No lock boxes. Candis Noble as Your Trusted Realtor When choosing a listing agent; consider their professionalism, experience, proven results, marketing, home staging, use of professional photography, network of professionals, agency's global exposure with respected international reach and a realtor whose vision aligns with your financial goals, timelines and specific needs. I understand the significance of this financial transaction, and I am here to represent you every step of the way. Making the Right Move | West Island Hudson Saint-Lazare In the dynamic West Island, Hudson, and Saint-Lazare real estate market, you can feel confident in trusting Candis Noble to be your preferred local real estate broker. Let's make your real estate selling and buying experiences not just successful... but smooth, seamless and a bit of fun too! I truly hope you will contact me today... Let's embark on this exciting journey together!

NOBLE & NOTEWORTHY: Charlie Munger, the Vice Chairman of Berkshire Hathaway and longtime business partner of Warren Buffett, has left an indelible mark on the business world. His influence extends far beyond his role in the conglomerate, impacting various industries, including real estate through Berkshire Hathaway HomeServices. Charlie Munger has left a lasting impact on the business world and his contributions to Berkshire Hathaway's real estate arm are significant. Charlie Munger's Enduring Impact on Berkshire Hathaway HomeServices... The Munger Philosophy: Munger is renowned for his multidisciplinary approach to decision-making, advocating for a wide range of mental models to solve complex problems. His emphasis on understanding various disciplines, including psychology, economics, and business, has shaped his unique perspective on investing and leadership. Munger's famous quote, "I never allow myself to hold an opinion on anything that I don't know the other side's argument better than they do," reflects his commitment to thorough and well-rounded analysis. Influence on Berkshire Hathaway: Munger's partnership with Warren Buffett at Berkshire Hathaway is a legendary collaboration that has stood the test of time. Their complementary skills and shared values have been instrumental in transforming Berkshire Hathaway into a global conglomerate. Munger's strategic insights and ability to cut through complexity have played a pivotal role in the conglomerate's success, contributing to its remarkable growth over the years. Berkshire Hathaway HomeServices: Within Berkshire Hathaway, the real estate arm, Berkshire Hathaway HomeServices, has also benefited from Munger's wisdom. His focus on long-term value creation aligns with the company's commitment to providing exceptional service and building lasting relationships with clients. Berkshire Hathaway HomeServices continues to thrive in the competitive real estate market, drawing on the principles of integrity, trust, and expertise that Munger values. Famous Charlie Munger Quotes: "The first rule is not to fool yourself, and you are the easiest person to fool." "A great business at a fair price is superior to a fair business at a great price." "I never allow myself to hold an opinion on anything that I don't know the other side's argument better than they do." "Spend each day trying to be a little wiser than you were when you woke up." "The best thing a human being can do is to help another human being know more." "The big money is not in the buying and selling, but in the waiting." "You don’t have to be brilliant, only a little bit wiser than the other guys, on average, for a long, long time." Munger's Enduring Legacy: Charlie Munger's Enduring Impact on Berkshire Hathaway HomeServices is woven into every fiber and is part of its enduring legacy. As we reflect on Charlie Munger's impact, it's clear that his impact extends beyond the balance sheets of Berkshire Hathaway. Munger's influence on investors, business leaders, and the real estate industry is immeasurable. His timeless principles, encapsulated in speeches, writings, and interviews, serve as a guiding light for those navigating the complexities of the business world. Conclusion: Charlie Munger's contributions to the business world, including his influence on Berkshire Hathaway and Berkshire Hathaway HomeServices, continue to inspire and guide professionals. His wisdom reminds us that success is often rooted in a deep understanding of the world and a commitment to lifelong learning. Thank you, Charlie Munger, for your enduring impact on business and leadership.

NOBLE & NEWSWORTHY | As we step into the latter part of 2023, the real estate landscape in the Montreal Census Metropolitan Area (CMA) is experiencing a noticeable shift. The Quebec Professional Association of Real Estate Brokers (QPAREB) has recently unveiled market statistics for October 2023, revealing a 2% decrease in residential sales compared to the same period last year. This dip is the second-lowest recorded in transactional activity for this time of the year since 2000. Let's delve into the key insights and trends that are shaping the current real estate market and what it means for both buyers and sellers. Factors Influencing the Slowdown: Charles Brant, QPAREB Market Analysis Director, sheds light on the various negative factors contributing to the market slowdown. The rapid economic deceleration, coupled with challenges in accumulating and maintaining sufficient savings, has instilled caution among potential buyers. The rise in borrowing costs, with fixed interest rates exceeding 6% for the shortest-term mortgages since September, further limits buyers' ability to qualify with conventional lenders. For sellers, strategic pricing and effective marketing will be crucial, while buyers may find more choices and potentially more negotiating power. Market Highlights: Regional Disparities: Transactional activity in the Montreal CMA is not uniform across regions. While the Island of Montreal and South Shore experienced increases of 7% and 8%, the North Shore of Montreal, Laval, Vaudreuil-Soulanges, and Saint-Jean-sur-Richelieu saw declines of 12%, 17%, 19%, and 30%, respectively. This divergence suggests a nuanced market that demands a region-specific approach. Property Category Dynamics: The sales performance varied among different property categories. Single-family homes saw a 6% decrease in sales, condominium sales remained stable, and small income properties recorded a notable 10% increase. This divergence underscores the importance of understanding the unique dynamics of each property type in the current market. Increasing Inventory: Active listings surged by 12% from the previous year, reaching 17,518 in the Montreal CMA. This influx of properties to the market, not witnessed since the summer of 2019, provides more options for buyers and indicates a potential shift towards a more balanced market. Extended Selling Time: The average selling time for various property categories increased compared to the same period last year. Small income properties took 60 days to sell, seven days longer than the previous year. Condominiums and single-family homes followed at 53 and 43 days, respectively. This elongation suggests a more contemplative buyer base and underscores the need for strategic pricing and marketing. Price Trends: Despite the slowdown, median prices across property categories continued to show growth compared to October 2022. Single-family homes, plexes, and condominiums saw median price increases of 7%, 5%, and 3%, respectively. On a consecutive monthly basis, median prices remained stable, with slight variations observed. Montréal Real Estate Update: Market Trend and Finding Opportunities: In navigating the current real estate landscape in Montreal, both buyers and sellers must be attuned to the nuanced trends revealed in the October 2023 market report. The increasing inventory, elongated selling times, and regional disparities present both challenges and opportunities. For sellers, strategic pricing and effective marketing will be crucial, while buyers may find more choices and potentially more negotiating power. It's not merely a slowdown; It's a call for agility, informed decision-making, and a nuanced approach to meet the evolving demands of the Montreal real estate market. As a seasoned Montréal and West Island Real Estate Broker, understanding these market dynamics and being proactive in adapting strategies will be paramount. It's not merely a slowdown; it's a call for agility, informed decision-making, and a nuanced approach to meet the evolving demands of the Montreal real estate market. Staying attentive to Montréal Real Estate Updates and Market Trend will lead to Finding Opportunities! So, if you have been sitting on the fence, now is the time to considering discovering the hidden gems in this current real estate market. Whether you're considering Selling, Investing or Buying Real Estate in the greater Montréal and West Island areas... I am here for you. Let's talk numbers, strategy and opportunity.

NOBLE & NEWSWORTHY | Greetings, fellow Hudsonites and nature enthusiasts! Today, I am thrilled to share some feathered news that's sure to make your hearts flutter with pride. The picturesque town of Hudson has officially been certified as a Bird-Friendly Town, thanks to the incredible efforts of the Hudson Environment Committee and the tireless work of Le Nichoir Wild Bird Conservation. Mark Gray, Hudson Town Councillor and Chairman of the Environment Committee, expressed the town's innate bird-friendliness: "Hudson is by its nature bird-friendly — with our canopied village and surrounding forests, our grasslands and wetlands, and the Ottawa River as a haven for aquatic birds." But what does it mean to be certified as a Bird-Friendly Town? Nature Canada, in collaboration with its partners, has initiated the Bird Friendly City and Town Certification Program. This program encourages municipalities across Canada to become safer havens for our feathered friends, ultimately working to reverse the alarming decline in bird populations. The town's certification is not just a feather in its cap; it's a commitment to creating a haven for biodiversity to flourish. Birds, as we know, are vital for maintaining healthy ecosystems. However, their populations are facing threats from various human activities such as climate change, pesticide use, and habitat loss. In the face of urban expansion, Hudson has taken a bold step to ensure that North America's bird populations are not just protected but nurtured for generations to come. Nature Canada's Bird Friendly City and Town Certification Program encourages community leaders and municipal decision-makers to take proactive measures. These include reducing threats like free-roaming cats, implementing bird-friendly building design legislation, promoting stewardship, and engaging citizens in nature-based climate solutions. One exciting aspect of the certification process is the creation of volunteer Bird Teams in each municipality. Hudson residents are now actively involved in protecting, monitoring, and celebrating their local bird populations. It's a true community effort to ensure that Hudson remains a haven for our winged neighbors. As we celebrate this achievement, let's also recognize the vital role played by Le Nichoir Wild Bird Conservation. Born and raised in Hudson, Le Nichoir has been working for wild bird conservation through public education and rehabilitation for the past 27 years. Their dedication has undoubtedly contributed to the town's rich avian diversity. So, what's next for Hudson? Expect to see initiatives to reduce human-related threats to birds, increased awareness through community events, participatory science, and celebrations like World Migratory Bird Day. The town is spreading its wings and taking flight toward a future where birds and humans coexist harmoniously. Hudson; A Green Community With a focus on nature-based climate solutions, Hudson is positioning itself as a green community. This aligns perfectly with the growing trend of environmentally conscious living. Real estate in Hudson isn't just about homes; it's about embracing a sustainable lifestyle. This Hudson community engagement fosters a sense of belonging, making Hudson not just a town but a community where everyone plays a role in preserving the town's unique charm. Hudson; A Forward-Thinking Community In a world where sustainability is key, Hudson's Bird-Friendly Town certification positions it as a forward-thinking community. This not only enhances the current desirability of properties but also future-proofs real estate investments as the demand for environmentally conscious living continues to grow. Hudson is not just a town; it's a lifestyle. The Bird-Friendly Town certification isn't just a badge; it's a promise of a harmonious coexistence with nature. As a Top Local Hudson Real Estate Broker, I am excited to witness how this certification will shape the real estate landscape in Hudson. Find Your Perfect Nest in Hudson... If you've ever dreamt of Buying a home where nature is your neighbor, Hudson is calling. I hope you will reach out to me, Candis Noble; your Local Hudson Real Estate Expert; having bought and sold myriad properties throughout Hudson as well as being a local resident and active member of the community. Let's explore the possibilities together Find your perfect nest in Hudson! Congratulations to the Hudson Environment Committee, Le Nichoir, and every resident who contributed to this remarkable achievement. Hudson is not just a beautiful town; it's now officially a sanctuary for our feathered friends. Let's continue as a community to spread our wings, soar to new heights, and ensure a future where birds and humans thrive together in harmony!

Exciting News from Ville de Saint-Lazare! 🌸🌳 In a recent announcement that has the entire Saint-Lazare community buzzing with excitement, Saint-Lazare has been awarded an impressive 4 fleurons out of a possible 5 in its debut participation in the prestigious Fleurons du Québec horticultural classification program. This recognition is a testament to the unwavering dedication and hard work of the entire municipal team. *In the news Mayor Geneviève Lachance expressed her immense pride, emphasizing the devoted efforts of the Public Works and Horticulture teams, emphasizing the accolade is not just a badge of honor; it's a public acknowledgment of the city's commitment to environmental enhancement and sustainable development. Saint-Lazare; Green and sustainable receives 4 Fleurons from Les Fleurons du Québec Les Fleurons du Québec is a renowned horticultural classification program designed for Quebec municipalities. Beyond the aesthetic appeal, it brings a myriad of benefits to the community - socially, economically, and environmentally. The program evaluates health, well-being, pride, economic development, and urban greening efforts. The recognition lasts for three years and comes with a comprehensive professional evaluation report, suggesting avenues for further improvement. The program involves rigorous assessment by classifiers covering 60% of the municipality's territory, evaluating all publicly visible sites, including public, institutional, commercial, and private spaces. Sustainable development initiatives, such as community gardening, composting, and tree conservation, are integral factors in the evaluation process. Sébastien Lalonde, Chief of Public Works, expressed his pride in playing a crucial role in enhancing Saint-Lazare's green spaces; saying, "Aux Travaux publics, nous sommes fiers de jouer un rôle important dans l’amélioration des espaces verts de la Ville de Saint-Lazare. Nous pouvons compter sur une équipe passionnée d’horticulture. Je les remercie de leur implication dans ce projet, sans quoi le résultat serait bien différent." Saint-Lazare is a Green Haven! But that's not all! The recognition doesn't stop at Les Fleurons. Saint-Lazare is also being lauded for its commitment to greenery and sustainable development. This year, the city secured an impressive 4 fleurons out of 5, underscoring its dedication to creating a thriving, eco-friendly environment. Mayor Geneviève Lachance could not have expressed it better; "C'est avec une grande fierté que nous accueillons ces distinctions, saluant les efforts dévoués de nos équipes des Travaux publics et de l’horticulture. Cette réalisation témoigne de leur engagement inébranlable pour embellir notre ville. Les Fleurons du Québec constituent une reconnaissance publique des efforts que nous consacrons dans la valorisation de notre environnement. Nous sommes déterminés à continuer d'inspirer la création d'autres splendides réalisations, renforçant ainsi notre conviction qu’une ville verte et florissante apporte des bienfaits indéniables où il fait bon vivre. " Buying a home in Saint-Lazare 🏡 Considering buying a home in Saint-Lazare? As a top local real estate broker in Saint-Lazare; having built a home and lived in Saint-Lazare for over 20 years, I know Saint-Lazare well and can easily guide buyers in finding their ideal Saint-Lazare real estate as an accredited Berkshire Hathaway HomeServices Luxury Collection Specialist. Saint-Lazare's commitment to environmental sustainability and the recognition it has received will undoubtedly make it an even more attractive place to live. The city's blossoming green spaces add a unique charm to its real estate, making it an ideal destination for those seeking a harmonious blend of nature and modern living. Investing in Saint-Lazare real estate is not just about securing a property; it's about becoming part of a lifestyle within a community that values and actively contributes to the well-being of its residents and the planet. Saint-Lazare; Green and sustainable receives 4 Fleurons from Les Fleurons du Québec; this recognition is a testament to Saint-Lazare's commitment to creating a vibrant, sustainable, and beautiful city for everyone to enjoy. Candis Noble; Saint-Lazare Real Estate Broker & Luxury Collection Specialist So, if you're considering buying a home in Saint-Lazare, just 45 min from Montréal, that not only cares about its residents but also the environment, reach out to me, Candis Noble; your local luxury Saint-Lazare real estate agent who has not only lived in Saint-Lazare for over 20 years and who also understands the Saint-Lazare real estate market in crisp detail. Representing properties of all price-points and sizes, providing the same luxury service; Candis Noble; Real Estate Broker with Berkshire Hathaway HomeServices Qc. Embrace the beauty, embrace the green, and make Saint-Lazare your home sweet home! 🌳🏡

NOBLE & HOME | Selling your home can be an exciting but also daunting experience. To ensure a successful and lucrative sale, it's crucial to present your property in the best possible light. With careful planning and execution to achieve the best outcome, a key element in this process is home staging. Correctly staged properties has a profound impact on how quickly your property sells, the number offers it garners, and the ultimate selling price it obtains. Staged to Sell In this article, we'll delve into the pivotal role that home staging plays in the Montréal real estate market, the advantages of having both a seasoned interior designer and realtor like Candis Noble handle the staging of your property, and the exceptional benefits of her expertise in design, presentation, marketing and real estate savvy as a Montréal, West Island and Hudson and Saint-Lazare top-tier real estate agent. *Reach out to see more of Candis Noble's "before and afters"of her staged real estate property listings. The Power of Home Staging Staged homes sell faster and at higher prices – that's not just a catchy marketing phrase; it's a proven fact. When prospective buyers walk into a home that has been professionally staged, they can envision themselves living there. The property's potential becomes more apparent, and that emotional connection can be the tipping point that leads to a quick and competitive offer. Berkshire Hathaway HomeServices Québec real estate broker Candis Noble is an expert in presentation, marketing, and interior design who has harnessed the power of home staging to benefit her clients. Her background in these fields gives her a unique edge in the real estate industry. She combines her trained eye, interior design expertise, and home staging savvy to provide an exceptional service for her clients. But what truly sets Candis apart is that she offers this service for free to every seller who lists their property with her. Candis Noble: Your Interior Designer and Real Estate Broker Imagine having an interior designer and a real estate broker rolled into one – that's the ultimate advantage Candis Noble brings to the table. Here's why it matters: 1. Candis Noble's Bespoke and Complimentary Service Candis Noble is meticulous in her marketing approach, and home staging is a vital component of her strategy. When selling your home with Candis, you get the benefit of professional home staging as part of the services she provides. This is a complimentary bespoke service, tailored to your property, ensuring that it shines and stands out in the market. And the best part? It comes at no additional cost to you. 2. Staging To Sell Candis knows how to stage a home to sell. Her expertise as an interior designer enables her to transform your property into a visually appealing and inviting space which appeals to the broadest audience and highlights your home's finest features. She understands how to highlight a property's best features and make it look its absolute best. When potential buyers see a home that's been expertly staged, it is more likely to leave a lasting impression and compel them to make an offer. Candis Noble's properties are noticed by local film producers receiving repeated inquiries for possible movies shoots and television commercials. Unwittingly, she has even had some of her properties written up in premier Montréal publications drawing immense traffic to her listings and pleasing her sellers. One in particular was for a quaint chalet property in Lanaudière! Take a look: Le Journal de Québec Les Maisons QUB 3. Maximizing Buyer Visits Staging is not just about making your home look beautiful; it's also about maximizing the number of buyer visits. The more people who come to see your property, the higher the chances of receiving competitive offers. Candis Noble's staging expertise can help attract more potential buyers, leading to increased interest and foot traffic. 4. Obtaining The Highest Price The ultimate goal of selling a property is to secure the highest price possible. When you have an interior designer like Candis staging your home, you're setting the stage for success. A well-staged home is more likely to fetch a higher price because it appeals to buyers on both an emotional and practical level. It stands out in their minds and makes them willing to invest more in it. The Benefits of Expertise | Candis Noble West Island Realtor; Expert Home Staging Candis Noble's expert designer touch goes beyond aesthetics. It's about creating a holistic experience for potential buyers, making your property irresistible. Here are some of the key benefits: 1. Attracting More Buyers Well-staged homes bring more buyers to the table. When you work with Candis, you're leveraging her skills to appeal to a broader range of potential buyers. Her designs are not only pleasing and current, but also versatile, appealing to various tastes and preferences. 2. Selling Faster One of the most significant advantages of home staging is that it accelerates the selling process. Candis's professional staging can help your property spend less time on the market. The longer a property lingers, the more likely it is to raise doubts in the minds of potential buyers. With Candis, you're not just selling a house; she is selling a lifestyle, and that's an attractive proposition. 3. Higher Offers Ultimately, a well-staged property can command higher offers. When buyers see a home that's been lovingly designed and thoughtfully staged, they are more willing to invest in it. This translates into a better return on your investment. From Staged to Sold Selling a home is a significant decision, and it's essential to do it right. Home staging is a powerful tool that can make a world of difference in your selling experience. Candis Noble, with her background in marketing and interior design, offers a unique advantage... Candis Noble provides free professional home staging services to her clients when selling their homes. When you choose Candis Noble as your real estate broker, you're not just getting a skilled professional to navigate the complexities of the real estate market; you're getting an interior designer who can elevate your property's appeal. Just see what her clients are saying... With Candis, you can confidently stage and list your home for a faster sale, more buyer visits, and the highest possible price. In the competitive world of real estate, having Candis Noble on your side can be the difference between a good sale and a great one! Reach out to book an appointment with Candis Noble today... No pressure ever. - Candis Noble West Island Realtor; Expert Home Staging

Warren Buffett, often referred to as the "Oracle of Omaha," is a name that resonates in both the world of finance and everyday life. His reputation as one of the most successful investors in history, coupled with the sprawling conglomerate he leads, Berkshire Hathaway Inc., has left an indelible mark on the global business landscape. In this article, we'll delve into the extraordinary journey of Warren Buffett and his company, Berkshire Hathaway Inc., exploring their brand's influence and impact on the world. Warren Buffett: The Man Behind the Legend Warren Edward Buffett was born on August 30, 1930, in Omaha, Nebraska. From a young age, Buffett displayed an uncanny aptitude for business and investing. His early entrepreneurial ventures, such as selling Coca-Cola bottles and delivering newspapers, were just a glimpse of the financial acumen that would later make him a household name. Buffett's investment journey truly began at the age of eleven when he purchased his first stock, three shares of Cities Service Preferred, for $38 per share. This early experience ignited his passion for the stock market and set him on the path to becoming one of the most celebrated investors of all time. Over the decades, Warren Buffett has honed his investing philosophy, often referred to as "value investing." He prioritizes fundamental analysis, seeking to identify companies with strong economic moats, excellent management, and long-term potential. This approach has led to impressive returns for Berkshire Hathaway Inc. shareholders, with the company consistently outperforming broader market indices. Snapshot from StockCharts.com Berkshire Hathaway: A Multifaceted Conglomerate Berkshire Hathaway Inc., under the stewardship of Warren Buffett, has grown from a failing textile company into a multinational conglomerate with diverse holdings. The company's core strategy revolves around acquiring businesses with long-term growth potential, aligning with Buffett's value investing philosophy. Berkshire Hathaway Inc.'s diverse portfolio includes investments in industries as varied as insurance, energy, consumer products, transportation, and, significantly, real estate. The company's influence extends to the real estate market through its subsidiary, Berkshire Hathaway HomeServices. Influence in the Real Estate Market One of the most notable facets of Berkshire Hathaway's influence is its presence in the real estate market. The company's foray into the real estate industry marked a strategic diversification in its portfolio. Berkshire Hathaway HomeServices, a subsidiary of the conglomerate, is a prominent player in the real estate brokerage sector. Berkshire Hathaway HomeServices Quebéc operates with the same principles of integrity, trust, and customer focus that have become synonymous with the Berkshire Hathaway brand. This alignment with Buffett's core values has allowed the real estate arm to rapidly gain recognition and trust within the industry. Their network of real estate agents spans the Canada, the United States and several other countries around the globe, offering a wide range of services, including buying, selling, and financing residential and commercial properties. bhhs.com The creation of Berkshire Hathaway HomeServices is a testament to the adaptability and forward-thinking nature of the Berkshire Hathaway brand. It reflects a well-calculated move to expand their influence and provide a holistic suite of services to consumers. Berkshire Hathaway HomeServices: A Brand You Can Trust The Berkshire Hathaway HomeServices brand is built upon the solid foundation of Warren Buffett's principles. The real estate subsidiary is committed to maintaining the same level of trust, integrity, and transparency that Warren Buffett has exemplified throughout his career. This dedication to excellence has earned them a reputation as a trustworthy and reliable brand in the real estate market. The global reach of Berkshire Hathaway HomeServices means they have a profound influence on real estate transactions worldwide. Homebuyers and sellers alike are drawn to the Berkshire Hathaway name, knowing that they can expect the same level of expertise, ethics, and customer-centric focus that Berkshire Hathaway is known for. Berkshire Hathaway HomeServices' presence in the market has not only improved customer experience but has also set new standards for excellence in the real estate industry. This influence has spurred competitors to reevaluate their strategies, striving to meet the high bar set by the Berkshire Hathaway brand. The Berkshire Hathaway Legacy: Enduring Influence Beyond the real estate sector, the Berkshire Hathaway conglomerate continues to leave an enduring influence on the global business landscape. Here are some key factors contributing to this influence: Long-Term Investment Approach: Warren Buffett's emphasis on long-term investments and commitment to his holdings has set an example for both individual and institutional investors. Berkshire Hathaway's ability to accumulate and hold shares in companies for extended periods has helped shape the investment landscape. Stewardship and Leadership: Warren Buffett's unique leadership style and emphasis on ethical and responsible business practices have made Berkshire Hathaway a model for corporate governance. The company's commitment to transparency and long-term value creation is a benchmark for companies worldwide. Innovation and Diversification: Berkshire Hathaway has demonstrated an uncanny ability to adapt and diversify. The company's willingness to venture into new industries and acquire businesses with solid fundamentals reflects the importance of innovation and calculated risk-taking in today's business environment. Economic Impact: As one of the largest conglomerates in the world, Berkshire Hathaway's operations have a considerable economic impact. The company employs a vast number of people across its subsidiaries, contributes to various local economies, and is a significant taxpayer. Its influence extends far beyond its balance sheet. Philanthropic Initiatives: Warren Buffett and Berkshire Hathaway have made substantial philanthropic contributions, including the "Giving Pledge," which encourages billionaires to donate a significant portion of their wealth to charity. This influence extends to the broader philanthropic landscape. Berkshire Hathaway HomeServices has embraced the Sunshine Kids™ Foundation as its national charitable benefactor. Sunshine Kids is committed to providing positive group activities and emotional support for children with cancer. Educational Influence: Warren Buffett's annual letters to Berkshire Hathaway shareholders serve as a valuable source of financial education for investors worldwide. His wisdom and insights have educated countless individuals and shaped their investment strategies. A Lasting Legacy Warren Buffet; Berkshire Hathaway - The Oracle of Omaha has left an indelible mark on the business world, with their influence reaching well beyond the stock market. The creation of Berkshire Hathaway HomeServices, their foray into the real estate market, exemplifies the company's adaptability and commitment to extending their legacy. Through their steadfast dedication to integrity, customer-centric focus, and enduring values, Berkshire Hathaway HomeServices has set a high standard in the real estate industry. Their influence on the market is a testament to the lasting impact of Warren Buffett's principles. As Berkshire Hathaway Inc. continues to adapt and expand its portfolio, one thing remains certain: the company's legacy of excellence and influence will persist, continuing to shape the business world for years to come. Warren Buffett's philosophy of value investing and Berkshire Hathaway's commitment to trust and integrity will remain as guiding stars for future generations of investors and business leaders. We're In Good Company! Global reach; world-wide respect. Explore the many Berkshire Hathaway subsidiaries below! Acme Brick Company IMC International Metalworking Companies Alleghany Corporation IPS Ben Bridge Jeweler Jazwares Benjamin Moore & Co. Johns Manville Berkshire Hathaway Automotive Jordan's Furniture Berkshire Hathaway Direct Insurance Company (THREE) Justin Brands Berkshire Hathaway Energy Company Kraft Heinz Berkshire Hathaway GUARD Insurance Companies Larson-Juhl Berkshire Hathaway Homestate Companies LiquidPower Specialty Products Inc. (LSPI) Berkshire Hathaway Specialty Insurance Louis - Motorcycle & Leisure biBERK Business Insurance Lubrizol Corporation BoatU.S. Marmon Holdings, Inc. Borsheims Fine Jewelry McLane Company Brooks MedPro Group BNSF MiTek Inc. Business Wire MLMIC Insurance Company Central States Indemnity Company National Indemnity Company Charter Brokerage Nebraska Furniture Mart Clayton Homes NetJets® CORT Business Services Oriental Trading Company CTB Inc. Pampered Chef® Duracell Pilot Travel Centers Fechheimer Brothers Company Precision Castparts Corp. FlightSafety RC Willey Home Furnishings Forest River Richline Group Fruit of the Loom Companies Scott Fetzer Companies Garan Incorporated See's Candies Gateway Underwriters Agency Shaw Industries GEICO Auto Insurance Star Furniture General Re TTI, Inc. Helzberg Diamonds United States Liability Insurance Group H.H. 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