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Monday, October 30, 2017 - Living Architecture

Green roofs add a touch of nature to the concrete jungle Great thinkers have always known that nature is essential to the human spirit. Perhaps that is why more and more architects, designers and builders are choosing to create green retreats in their designs, including rooftops that allow the eye to drink in nature?s beauty. ?There are just so many benefits to green roofs,? said Kerry Ross, one of Canada?s leading green roof experts and the first accredited green roof professional in the ...
posted in home tips at Mon, 30 Oct 2017 17:18:07 +0000

Wednesday, October 25, 2017 - RRSP Home buyers plan

 I often receive inquiries about the eligibility requirements for the RRSP Home Buyer?s Plan (HBP). For regular RRSPs, the basic rule is simple: If you make a withdrawal from your RRSP, those funds are included in your income for the year that the withdrawal is made. The plan administrator will deduct the income tax from the funds being advanced and will remit the tax to Canada Revenue Agency on your behalf. However, the RRSP HBP is a key exception to the basic rule on how RRSPs are treated. ... Full Article...
posted in home tips at Wed, 25 Oct 2017 21:37:09 +0000

Sunday, October 22, 2017 - Solar 101

Harnessing the sun for all your energy needs St. Albert?s Ron and Carole Kube had never known anyone with a solar-powered home. Then, in 2014, Ron Kube read a story in the newspaper about a household that installed a solar array. He was surprised to learn they were his former neighbours. ?In fact, the guy was Craig Dickie ? he used to live across the street from us,? said Kube. ?And I was so excited that I called up Craig and I said, ?can I come over to the house and see the solar system?? And ... Full Article...
posted in home tips at Sun, 22 Oct 2017 21:35:26 +0000

Wednesday, October 18, 2017 - Can't get a mortgage?

There are many reasons why your favourite bank or lender may reject you when you apply for a mortgage. Here are some of them. Not enough credit history: If you are new to the country or you recently finished at college/university or you don?t own any credit cards, lenders likely will not give you a mortgage because of the lack of credit history. Lenders want to know your paying habits. Low or bad credit score: If your Equifax credit score is bad or too low, banks and lenders may not lend you ... Full Article...
posted in home tips at Wed, 18 Oct 2017 23:44:30 +0000

Monday, October 16, 2017 - Things to do this fall

CORN MAZE CRAZYThe theme of this year?s corn maze at Kraay Family Farm near Lacombe is Canada 150. Expect to get lost in a 15-acre maple leaf. There?s plenty of farmtastic fun with over 40 different attractions and amenities, including a pumpkin patch, a giant jumping pillow, a petting zoo, mini-golf and more. SEE EDMONTON?S BEST ON A SEGWAYThere?s no place better than Edmonton?s river valley to see the fall colours. Scoot around on North America?s largest urban parkland on a Seway. Never been ... Full Article...
posted in General at Mon, 16 Oct 2017 16:07:14 +0000

Tuesday, October 10, 2017 - Home insurance

What is home insurance?It protects policyholders and their families from exposure to the costs of unexpected incidents like fire, water damage and theft?not to mention identity theft, an evacuation, or if a person is injured on your property. But it?s not a maintenance plan; it doesn?t cover wear and tear or neglect. We?ll make every effort to cover the damage if a storm puts a hole in your roof and rain leaks in, but we don?t pay to fix damage caused by poor maintenance. How do deductibles ... Full Article...
posted in home tips at Tue, 10 Oct 2017 22:53:32 +0000

Monday, October 9, 2017 - Water heaters 101

A typical hot water heater accounts for about one fifth of the energy used in most Canadian homes. Choosing the right hot water heater can have a huge impact both financially and environmentally ? especially as energy prices and carbon levies continue to rise. Many of us still choose conventional, gas-fired hot water tanks, because they?re cheapest ? or are they? Over its lifespan, the initial price of your hot water heater can represent as little as 12 per cent of its overall cost. The other ... Full Article...
posted in home tips at Mon, 09 Oct 2017 17:11:56 +0000

Friday, October 6, 2017 - Selling a second property?

Owning an investment property can provide useful income, while having a recreational property can provide a great place to spend time with family and friends. But if you are thinking it?s time to sell, some careful research is in order. ?There?s a lot to consider when selling your investment property or a vacation home,? said Laura Parsons, the Calgary-area manager for mortgage specialists with BMO Financial Group. ?Do your homework.? A major factor when selling a property that is not your ...
posted in home tips at Fri, 06 Oct 2017 15:45:53 +0000

Wednesday, October 4, 2017 - To buy or not to buy

It?s an age-old question that still gets hotly debated, particularly by young adults who are determining where they are going to live: should I rent or should I buy? It?s not an easy question to answer, and there are no clear right or wrong answers. ?One of the big things to contemplate is your time focus, because when you do buy a home, it is a long-term commitment. It does involve a five-year mortgage that?s amortized over 25 years,? said Tim Gensey, a market analyst with Canada Mortgage and ... Full Article...
posted in home tips at Wed, 04 Oct 2017 21:25:55 +0000

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