Business
Heather Hadden Shares Her Tips for Home Buyers and Sellers to Get Ready for the Coming Fall & Winter

Heather Hadden of Hadden Homes helps buyers and sellers in Toronto get what they’re looking for year-round. Different seasons call for different approaches on both fronts, and Hadden has some valuable insights to share with anyone buying or selling this fall and winter.
How Buyers Can Get Ahead in the Upcoming Seller’s Market
Traditionally, home buyers find the greatest selection of available homes around May or June. From that point on, the number of homes on the market gradually declines, creating more competition and putting home buyers at more of a disadvantage.
This happens every year, and it’s being compounded by current market trends. List prices are up compared to this time last year, and the numbers of both new and active listings are down. This year, fall and winter may present a challenge for anyone looking to buy a new home. However, Hadden has some key tips to help those in the market find what they’re looking for and get the best deal they can.
1. Expect Multiple Offers on Freehold Homes
With so little inventory available, there’s going to be fierce competition. Homes are going to have multiple offers coming in, often pushing the price above asking.
2. Be Prepared Before Viewing Any Homes
Sellers will be able to pick and choose buyers, so you need to have everything in order. Hadden recommends having both a preapproval ready and having 5% of the purchase price available as soon as you make an offer to secure the sale.
3. The Early Bird Gets the Worm
If you’re interested in a listing, you should reach out as soon as possible. Hadden says that many sellers could be interested in pre-emptive offers, hopefully letting you avoid any potential bidding wars.
4. Get All the Information You Need
You should always ensure that you get all the information from your agent ahead of time, including what the current market trends say about price expectations.
5. What Sellers Can Do to Maximize Their Offers Ahead of the Holiday Season
Sellers, on the other hand, are going to have no problem finding buyers this season. Hadden says that a very strong seller’s market can be expected leading up to the holiday season and that there are a few key things sellers can do to maximize their offers.
6. Clean Up Your Home’s Exterior Now
If you’re going to be showing your home throughout the winter, it’s best to get everything squared away outside before the snow comes. Your home’s exterior is going to make a lasting first impression on buyers, so make sure your yard and gardens are in order.
7. Be Ready for a Longer Closing
While the winter market puts sellers at an advantage, it is slower overall. You might have to wait a bit longer than expected to get the best offer you can. Hadden says sellers should plan for a longer closing to avoid rushing into taking less than they can eventually get.
The Hadden Homes Method
Hadden Homes provides a full suite of real estate agent services to help both buyers and sellers get what they’re looking for this fall and winter season. With an extensive network, Hadden Homes can help buyers find the best upcoming listings and get their offers in earlier.
For sellers, Hadden Homes takes a comprehensive approach to presenting and marketing every listing they handle. Professional staging and photography, the latest online marketing methods, and more go into getting the best offers for their clients.
Business
Remote Professionals Getting More Value for Their Work Thanks to Borderless Banking

Not too long ago, the idea of working remotely from an island in Thailand or a co-working space in Berlin sounded like the kind of fantasy only tech moguls or backpacking freelancers could afford.
Fast forward to today, and it’s as good as a global reality. Millions of professionals have cut the cord from traditional office life in exchange for flexibility, freedom, and a work-life balance that fits their personal rhythm and not their employer’s timezone.
However, as remote work has reshaped how people earn a living, it’s also pointed out the existing limits to most of the world’s financial systems. Traditional banking simply wasn’t built for a workforce that’s always on the move, operating in multiple currencies, and getting paid across borders.
Thankfully, that’s where borderless banking like Black Banx have proven vital, and has quietly transformed the way money is managed for people vacationing and working overseas alike.
The Rise of the Remote Work Economy
Remote work isn’t just a pandemic-era trend that faded with Zoom fatigue—it’s become a defining feature of the modern workforce. A recent survey revealed that over 39% of Gen Z and Millennials planned to live and work abroad for extended periods this year, many staying six months or more in a single location. That’s beyond a short trip, and can be considered as good as a sabbatical with a substantial lifestyle shift.
According to recent estimates, the digital nomad economy now also contributes as much as US$787 billion annually to the global economy. And this isn’t just entry-level gig work. A third of digital nomads earn between US$100,000 and US$250,000, while another third take in US$50,000 to US$100,000 annually.
It is indeed evident that the manner in which many make a living has changed. Unfortunately, most financial systems haven’t kept up.
Where Traditional Banks Are Still Falling Short
For those who have ever tried to open a bank account abroad or receive payment from a foreign client, they already know the drill: the paperwork is endless, delays are frustrating, and the fees? So much to do, even for the smallest amounts of money.
Just to name few of the hurdles remote workers still face with conventional banking:
- Account setup restrictions: Need proof of residence, tax IDs, or a local job offer—things many digital nomads simply don’t have.
- Slow international transfers: Payments can take days to process, which is a nightmare when rent’s due.
- High foreign exchange fees: Currency conversions often come with steep, hidden costs.
- Limited multi-currency support: Most banks still force users to operate in a single currency, making financial planning chaotic at best.
And perhaps most tellingly, many banks have digitized their operations but haven’t personalized their services. According to Accenture’s 2025 Banking Trends Report, while digital transformation has improved efficiency, it often sacrifices the customer experience. That’s not great news for people who live outside the lines.
Borderless Banking for Professionals Across the Globe
The concept of borderless banking goes far beyond wiring money internationally. Fundamentally, it’s also about being able to eliminate the friction between people and their money, no matter where they are in the world, and maintaining an ecosystem where geography, bureaucracy, and currency don’t stand in the way of financial freedom.
A working example of this is Black Banx, a Toronto-based fintech founded by German billionaire Michael Gastauer. Since launching globally in 2015, it has grown to serve over 78 million clients in 180+ countries as of Q1 2025, proof that people take to digital banking solutions when it is accessible, affordable, and is useful in just about any locale.
In the first three months of this year, Black Banx had also earned US$4.3 billion in revenue and US$1.6 billion in pre-tax profit, more than double from the same quarter the previous year and showing it has consistently delivered tangible value to global customers—remote professionals included
How Borderless Banking Maximizes Value for Remote Workers
1. Instant Account Access—No Strings Attached
The times of hunting down local branches or collecting endless documents just to open an account are finished. With borderless banks, users can open an account in minutes using just a photo ID—no proof of address or income required. That’s a lifesaver for anyone living outside their passport country or hopping from one location to another.
2. Multi-Currency Mastery
Managing money in multiple currencies used to mean juggling several accounts—or worse, losing money on conversions. Borderless platforms like Black Banx support 28 FIAT currencies and allow real-time currency conversions at competitive rates. That means remote workers can:
- Invoice clients in one currency
- Spend or save in another
- Hedge against local currency fluctuations
- Avoid excessive conversion fees altogether
3. Seamless, Real-Time Global Payments
Getting paid late, or paying others late, isn’t just inconvenient; it can damage relationships and disrupt your cash flow. With real-time payment support, remote workers can receive funds instantly, no matter where their clients are. This is particularly valuable for freelancers and entrepreneurs juggling multiple contracts across time zones.
Plus, bulk payment features and API integration streamline processes for those running teams or businesses.
4. Built-In Crypto Options
It isn’t surprising that many digital nomads are already deep into crypto. Whether it’s for investment, faster transactions, or avoiding traditional finance red tape, crypto is becoming essential.
Since 2016, Black Banx has allowed users to send, receive, and convert crypto (like BTC and ETH) within their accounts. That integration saves users from having to manage separate crypto wallets, and adds another layer of flexibility to their financial toolkit.
5. Secure Transactions
Remote workers often log in to work from cafés, coworking spaces, and airports, to name a few. Of course, this flexibility of being able to work almost anywhere should never come at the cost of security. Borderless banks like Black Banx use end-to-end encryption, AI fraud detection, and two-factor authentication to keep accounts safe from risky elements.
Financial Freedom, Not Just Convenience
Perhaps the most overlooked benefit of borderless banking is the freedom it provides. Not just to access money, but to fully participate in the global economy. For millions of professionals in underbanked regions like Africa, Latin America, Southeast Asia, borderless banking has become a gateway to financial inclusion and a way to take on opportunities that typically wouldn’t be available to them if not remote.
By removing barriers to entry, platforms like Black Banx empower underserved individuals to both take control of their finances and increase their earning power by working with companies from higher paying markets. This democratization of finance isn’t just good for individuals, it’s good for the global economy as a whole.
As Black Banx CEO Michael Gastauer put it: “Our multi-currency solutions enable businesses to tap into global talent without worrying about payment complexities. We make cross-border transactions as seamless as local ones.”
The Road Ahead
By 2030, the number of digital nomads worldwide is expected to soar past 60 million, according to the Forbes Technology Council. That means tens of millions of workers will be navigating foreign currencies, time zones, and financial systems—all while expecting the same seamless experience they’d get at home.
Indeed, remote professionals aren’t just looking for places to work—they’re looking for systems that work for them. In a lifestyle built on flexibility, traditional banking is proving too rigid, too slow, and too expensive.
Borderless banking services like those offered by the likes of Black Banx, on the other hand, offer exactly what today’s global workforce needs: instant access, multi-currency support, real-time payments, crypto integration, and enterprise-level security—all in a streamlined experience.
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