April 19, 2018

Garden Year Round in your Home

It’s hard for an avid gardener to put down their spade come winter. That’s why so many choose to garden year-round. Whether it is wintering expensive outdoor annuals inside your home, investing in a small greenhouse or growing miniature indoor gardens on window ledges and in special containers, there are many ways to keep gardening all year. Growing plants and flowers, both indoors and outdoors adds an element of beauty to your yard and home that can be very satisfying. It’s also profitable. Well-placed trees, shrubs, flowering plants and an […]
April 19, 2018

How to Save for a Down Payment

Owning your own home has a lot of payoffs, especially these days when mortgage rates are still among the lowest in 30 years. There are also many housing options available in a wide range of prices. Simply put, you can carry a home of your own for no more than what you would pay in rent. And, unlike renting, your payments go toward increasing the equity in your home. So, what’s stopping you? For most people who have never owned a home before, it’s the initial down payment and the […]
April 19, 2018

Cut Years off your Mortgage

With today’s low interest rates, deciding to buy a home is one of the best decisions anyone can make. Financing such a big purchase, however, often means combining savings with money borrowed through a financial arrangement, commonly referred to as a mortgage. Mortgages allow you to pay back the principal, or amount borrowed, plus interest, in regular installments. The taxes on your home can also be added to the mortgage payments. Most mortgages are amortized over 25 years – that’s the length of time it takes for you to pay […]
April 19, 2018

Selecting and Working with a REALTOR®

Buying or selling a home in today’s market requires a lot of work and a lot of knowledge about sales and real estate.  It’s one of the largest purchases or biggest business transactions many of us will ever make.  It doesn’t pay to depend on blind luck. Whether you are a buyer or a seller, there are distinct advantages to using a REALTOR®.  A REALTOR®, is a licensed real estate professional who is a member of a local real estate board, as well as the Canadian Real Estate Association (CREA) […]
April 19, 2018

Real Estate Terminology

The one thing about participating in the real estate market that confounds most consumers is the terminology and jargon that must be learned. But, as with any business, in order to be successful as a buyer or seller, it is necessary to become familiar with certain concepts and words. The real estate business is somewhat unique in that it is not confined to one particular set of dealings. Instead, it encompasses a number of professions: financial, legal, governmental, building trades, and of course, real estate itself. So, from A for […]
April 19, 2018

How to Host a Successful Yard Sale

If your annual spring cleaning ritual has produced a mountain of unused and unwanted items, you may want to think twice before you simply toss them out. How about a yard sale to turn some of that “junk” into someone else’s “treasure?” Each weekend in spring and summer you’ll find yard sales popping up in neighbourhoods everywhere. And, where there are yard sales, there are yard sale “junkies.” For many people, scouring yard sales for a bargain on a Saturday morning is an art. Why not take advantage of that […]
April 19, 2018

Arranging your Mortgage

Arranging your mortgage doesn’t have to be a baffling experience Buying a home today is an extremely attractive proposition. Interest rates are at their lowest in decades and the housing market is full of homes to suit just about any budget or family requirement. Still, you’ll inevitably have to deal with financing and this will mean taking on a mortgage. Sorting through the numerous mortgage options available to today’s home buyers can be intimidating for everyone from first-time purchasers to long-time owners. The rules seem to change constantly and there’s […]
April 19, 2018

Tips to Noise-Proof Your Home

Whether it is aircraft overhead, traffic on the street, a neighbour practicing the saxophone, or your own kids at play, often our homes are not as quiet and peaceful as we would like them to be. That’s why taking some measures to soundproof your home has lots of pay-offs. Not only will you reduce noise and add value to your property, but you will be helping to reduce the stress that excessive noise can cause. If you’re tired of excessive noise, start by determining which areas of your home are […]
April 19, 2018

Your Heating System

A heating system converts fuel into heat which then flows through a house. The efficiency of a heating system depends on the amount of fuel consumed to meet heating needs. Using less fuel means your system has increased its energy efficiency. Check your heating system first One way to maximize output using the least amount of fuel is to reduce air leakage. Before deciding to replace or upgrade your present heating system you will have to consider how much of your present system can be saved. Can the boiler or […]