Category Archives: Caring For Our Community

Know Your Options


Life has a habit of throwing unexpected twists at us when we least expect them. While none of us should live our lives in a constant state of worry, it’s important to know that, should financial troubles from the loss of a job or other unexpected situations strike, you can count on the advice of your mortgage broker to see you through it.

Life changes involving illness, change of work status or change of marital status can affect your ability to make your mortgage payments, so if you anticipate a change in any of these things please call to discuss your payment options as soon as possible.

If you have to default on a payment, lenders can sometimes grant you temporary payment relief and give you options for a repayment plan, depending on the situation. Mortgagors with a good payment record can often work out a temporary agreement that will allow them to make reduced payments for a specified period of time.

Remember, lenders do not want you to default on your mortgage any more than you do. It is in everyone’s best interest for you to demonstrate good financial discipline when times are good, so you have the best chance of full cooperation from your lender if you ever run into difficulty.

Please call me if you anticipate needing a “Plan B” for your loan obligations!

242 Malaga Road. Oshawa

Looking for a Investment Property?

The opportunity is today. Invest in this Custom-built 2 family Dwelling. The Main floor features Large Windows and Open Concept Living areas, Separate Dining Room, Large Bathroom with Sit Down Shower, and Oak Cabinets in the Kitchen. Home has two separate laundry areas and Built in Fire Detectors in the Duct work. Parking for 6 Cars. Priced for action at $500,000.

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Open House Saturday (March 11) and Sunday (March 12) 2-4pm

Welcome Home

11 Hammond Street. Bowmanville, ON

Listing Price $500,000

Look no further. The good life is certain in this 3 bedroom, 2.5 bath home with a great look, warmth, and quiet elegance. Home features Large Master with Ensuite and walk-in closets. 2nd floor family room, Spacious Open Concept Living and Dining Room, Gourmet Kitchen with Granite, Hardwood Floors, Finished Basement… Lots of recent upgrades include: Singles (15), Furnace (14), Deck (15), Kitchen and Granite Counter tops (15), Master Bath (16), Main bath with New Flooring and Vanity (15), Feature wall with Electric Fireplace (15), Landscaping (16), Finished Basement with Laminate floors (17), Powder room remodel with Travertine Floors. Won’t Last Long for this price $500,000.

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Is Your Home Affecting Your Health?

Your home is a safe haven. But, there are ways your home can damage your health.

A healthy home is a happy home. What do we mean? Well, did you know about these seven home hazards that could be affecting your health? Not to worry, our friends at Home Advisor tackle how to identify them as well as how to fix them.

#1 Mold, fungus and mildew

Aside from their smell and unsightly nature, mold, fungus and mildew can pose a serious threat to your health. If you notice any signs of these hazards (especially mold and mildew), have them removed immediately.

#2 Water-borne pollutants

Public water supplies are generally kept to a very high standard. But, it’s impossible to eliminate all water contaminants. If there is a failure in any part of your purification system, your water supply could contain dangerous pollutants. Replace your purification system to ensure your water is clean.

#3 Carbon monoxide

In sufficient quantities, carbon monoxide can kill. Carbon monoxide is difficult to detect because of its odorless and colorless nature. Address any carbon monoxide problems by ventilating your impacted space. For a long-term solution, consider installing a carbon monoxide detector.

#4 Lead

Lead causes memory loss, muscular issues and dementia. Make sure to check your paint and plumbing for lead if your home was built before 1975. If you find lead in your home, have it removed immediately.

#5 Home chemicals

Most of us have potentially harmful chemicals in our homes. These include:

  • Detergents
  • Cleaning agents
  • Bleach
  • Nail polish
  • Pesticides

Most of these substances can be replaced by safer, organic products. If not, keep your toxic chemicals out of reach of children and pets.

#6 Dust

Dust can irritate your respiratory tract. Clean any obvious dust using a damp cloth or an electrostatic wipe. Regularly vacuum curtains, upholstery and carpets. Make sure you use a HEPA filter in your vacuum cleaner. Less efficient filters allow too much dust to escape back into a room.

#7 Dampness and leaks

Moisture encourages the growth of molds and other harmful microorganisms. Eliminate any leaks in your plumbing or roofing to avoid mildew and mold problems.


If you feel unwell in your home, you may be suffering from a home hazard. Tackle any health problems in your home to stay healthy.

The Sweetest Way to Kick Off Valentine’s Day at Home

We found the best recipes for breakfast on Valentine’s Day

In case you haven’t noticed yet, Valentine’s Day falls on a Tuesday this year. Yuck, a Tuesday. If you are anything like me then going out for a nice dinner (or worse cooking one) after a long day at work sounds anything but romantic. That’s why this year I am flipping the script and focusing on kicking the day off with something sweet and what better way to do than with breakfast at my favorite place in the world…my home.

Last year, 11 Sweet Breakfast in Bed Ideas was one of our most popular posts in February so I decided to write a version 2.0. This year’s theme is all about Red Velvet and these recipes are sure to make breakfast on Valentine’s Day, or any other day for that matter, extra sweet. Enjoy!

Red Velvet Waffles | Go Eat & Repeat | Recipe Here

3 Words… Cream Cheese Glaze (mmmm)

Red Velvet French Toast | Cafe Delites | Recipe Here

What I love most about this picture is the fact that Karina added a few raspberries to the plate. In humble my opinion the fruit on this dish basically cancels out the rest of the calories.

red velvet pancakes valentines day breakfast

Red Velvet Cinnamon Rolls | No. 2 Pencil | Recipe Here

Dessert for breakfast…yes please!
red velvet breakfast cinnamon rolls

Red Velvet Crepes | Six Sister’s Stuff | Recipe Here

Close your eyes, take a bite and imagine yourself vacationing in Paris.

Red velvet crepe

Red Velvet Pancakes | DAN 330 | Recipe Here

Short stack or full…whichever you choose will  be a delight!

red velvet pancakes

Red Velvet Donuts | Homemade Hooplah | Recipe Here

While most donuts are fried these are actually baked, so don’t feel bad when you reach for seconds.

red velvet donuts

Red Velvet Nutella Hearts | I Love to Cook | Recipe Here

N U T E L L A!!! Need I say more?!

Red Velvet “Skinny” Shake | Mom on Time Out | Recipe Here

You and your honey can satisfy your sweet tooth with this recipe for 2!

A Quiet Start to the New Year


People tend to hibernate at home more at this time of year, often to recharge after a hectic end to the previous year. Aim for true peace, quiet and indoor tranquility with these noise-busting tips.

Close the door on squeaky door and cupboard hinges. Most squeaks can be quashed by spraying WD-40 onto the hinges and moving the door or cupboard door back and forth to work in the lubricant.

Silence your steps. Broke curfew? Planning a midnight fridge raid? Make like a ninja on de-squeaked wooden floors, courtesy of a good sprinkling of talcum powder or cornstarch. Force the powder into the floorboards to reduce the friction where the pieces of wood rub together.

Mute the mayhem. While today’s fans, dishwashers and other appliances are much quieter than they used to be, full at-home relaxation requires the muting of as many other sounds as possible. To this end, choose padded carpeting over bare floors, sound-blocking curtains and solid — not hollow core — doors. If replacing doors isn’t an option, at least apply weatherstripping or soundproofing tape around each indoor door to provide a sound barrier/seal. For a more major soundproofing effort, consider sound-blocking ceiling materials that help to block noise traveling from one floor to the next.

Have a silent night. A squeaky bed can keep you, your partner and — if you have someone living downstairs — other people awake with your every turn. If you have a metal bed frame, sometimes simply removing the mattress and tightening the frame’s screws and bolts will remedy the problem.

You can also take apart the bed frame and rub some candle wax or paraffin over the contact surfaces of the joints, or grease with WD-40 to get rid of the friction and help silence the squeaks. If screws are no longer a tight fit, take them out and wrap plumber’s tape around each one, and consider adding new washers too before screwing them back in.

If the squeaks are the result of the metal corners of your box spring interacting with the metal bed frame, you can try cushioning the spaces with old socks, t-shirts or towels.

After all that, if your bed continues to squeak you may want to try placing a sheet of plywood under your mattress to act as a buffer between the mattress and box spring. Plywood isn’t expensive, and most big box stores will cut the wood to the size of your box spring if you give them the dimensions, so it’s worth a try before taking on the expense of a new bed.

What’s that Noise in the Attic?

PhotoIf the weather outside is frightful, you may currently find yourself in hibernation mode. And if you’re not used to spending a lot of time indoors you may start to notice sounds you’ve never noticed before, including scurrying and scratching noises from inside your roof or walls.

The pitter-patter of little feet above your head could suggest that rodents have taken shelter inside your attic. Taking a peek inside your attic, evidence of an infestation can include chewed wiring, gnawed insulation, compromised wood, and droppings. Don’t wait another minute to call in a professional pest control expert to confirm what kind of invader you’re dealing with, keeping in mind that mice, squirrels and raccoons can make noises much greater than their size would suggest, especially when any noise is amplified by an unfinished attic space.

Once you confirm critters are inside your attic as opposed to on the outside of your house — perhaps using your roof as a super highway — you’ll want the pest control people to trap and remove them before they have a chance to do real damage. What you definitely don’t want to do is put poison out, as if an animal dies up in your attic you’ll find yourself dealing with a situation that literally stinks.

Moving On Down

PhotoMoving to a smaller home, especially from the larger one you’ve lived in for a number of years, can be stressful. But in many ways, eliminating clutter and starting fresh can be extremely therapeutic too. Here are some tips to ease some of the stress of downsizing:

1. Determine your essentials. You might feel overwhelmed by the sheer magnitude of the move, but making a list of the bare-bones essentials for your new place will give you a tangible guideline of what you should keep versus what to bid farewell to.

2. Give yourself time. Months before you know you’ll be moving, tackle one room at a time and start purging — throwing out or donating the things you know won’t fit or be used in your new place.

3. Get some help. Whether it’s trusted friends and relatives or a professional organizer, bouncing “should I keep this or let it go” decisions off someone else can be reassuring.

4. Consider storage. Ideally you’ll either pack up or get rid of everything you don’t need before your move, but if moving day is almost here and you still have some possessions with a big question mark on them — perhaps items with sentimental value — you may want to secure an affordable, short-term storage unit to house them in until after your move, when you have time to think it through.

Remember that your real estate sales representative has been through this process many times, and is therefore an excellent resource for all your packing and moving questions.


661 Olive Avenue Oshawa ON

Price: $ 450,000 Taxes: $ 3,200.00

How soon can you move? Enjoy a timeless design in this 3+1 bedroom, 2 bath home in a great neighborhood, close to schools, transit and 401. Large Eat-in Kitchen, Spacious Living Room and Hardwood Floors thru-out main floor. Basement is fully finished and has tons of potential for in-law suite. Lots of parking. To see it is to want it.

Check out our Virtual Tour by clicking the link:




Lonely Planet names Canada top travel destination for 2017

1. Canada

Bolstered by the wave of positivity unleashed by its energetic new leader Justin Trudeau, and with dynamic cities that dominate global livability indices and a reputation for inclusiveness and impeccable politeness, the world’s second-largest country will usher in its sesquicentennial in 2017 in rollicking good health. Marking 150 years since confederation, the elongated birthday party promises to be heavy on bonhomie and highly welcoming to international gatecrashers. And, with a weak Canadian dollar pushing down prices, the overseas visitor should have plenty of pocket money to spend on Canada’s exciting fusion food and mysteriously underrated wine.

Seaplane in harbour, Vancouver BC, Canada © Mike Johansen / Captured on Samsung Galaxy S7 / S7 edgeSeaplane in harbour, Vancouver BC, Canada © Mike Johansen / Captured on Samsung Galaxy S7 / S7 edge

2. Colombia

Decades of civil war and violent crime meant Colombian passport stamps were once for hardcore travellers only. Fast forward to the present day, and the lost years seem but a dust speck in Colombia’s rear-view mirror. There are no world wonders, but the country’s mix of vibrant culture, nature and hospitality is a rich tapestry woven by welcoming arms. Over a decade into its dramatic about-face, this South American jewel is even expecting a visit from the world’s number-one Catholic. When Pope Francis kisses Colombian soil in 2017, it will mark the Andean nation’s first papal visit in 30 years.

Cartagena, a city on Colombia’s Caribbean coast, is a treasure trove of colonial architecture © DC_Colombia / Getty ImagesCartagena, a city on Colombia’s Caribbean coast, is a treasure trove of colonial architecture © DC_Colombia / Getty Images

3. Finland

Fought over by Russia and Sweden for 800 years, Finland finally gained independence in 1917. The Finns will celebrate their centenary with gusto, with events planned in every region. Expect everything from al fresco concerts and communal culinary experiences to sauna evenings and vintage-travel-poster exhibitions. There’s even a new national park, an 11,000-hectare chunk of land in Hossa, studded with pine forests and crisscrossed with rivers. With the country also playing host to the World Figure Skating Championships and the Nordic World Ski Championships this year, there’s never been a better time to discover Finland’s proudly unique culture and landscapes.

A snowy scene in Nuuksio National Park, one of Finland's many spine-tingling landscapes © Emma Sparks / Captured on Samsung Galaxy S7 / S7 edgeA snowy scene in Nuuksio National Park, one of Finland’s many spine-tingling landscapes © Emma Sparks / Captured on Samsung Galaxy S7 / S7 edge

4. Dominica

Locals joke that if Christopher Columbus rose from the grave and returned to the Caribbean, Dominica is the only island he would still recognise. One glimpse of its prehistoric ferns and deserted shores, and you’ll see what they mean. For decades, an absence of shiny white beaches has helped keep at bay the resort development that has swept through other parts of the Caribbean. Coconut palms are the only skyscrapers you’ll see here. Visit before Dominica gets its first large-scale chain resorts in 2018, which will pave the way for a new era of tourism.

Undeveloped Dominica is a haven for hummingbirds and other wildlife © gydyt0jas © Getty ImagesUndeveloped Dominica is a haven for hummingbirds and other wildlife © gydyt0jas © Getty Images

5. Nepal

Even natural disasters can’t keep Nepal down for long. The 2015 earthquakes caused devastation, but what is most striking from a traveller’s perspective is not how much was lost but how much remains. Landmark temples crumbled, but others came through with just the odd tile out of place, and whole swathes of the country escaped serious damage, including most of the popular trekking trails. Nepal has all the skills required to repair monuments and infrastructure, but what it does need is income. By visiting Nepal now and supporting local culture and people, you could help a nation rebuild and bounce back even stronger.

A view of Mt Everest, Lhotse and Nuptse in Sagarmatha National Park, Nepal © Daniel Prudek / ShutterstockA view of Mt Everest, Lhotse and Nuptse in Sagarmatha National Park, Nepal © Daniel Prudek / Shutterstock

6. Bermuda

The British territory of Bermuda is often mistaken for a Caribbean island, and those in the know might not correct the misunderstanding, in order to keep the place to themselves a little longer. Just 1050km off the coast of North Carolina, Bermuda is reachable from most major east-coast US cities in around two hours – a quick hop will get you a bit of Britain mixed with island flair. In June Bermuda will host the America’s Cup, where the US will defend its title. Temperate climates and favorable winds make Bermuda the perfect location for this historic sailing race – and for your next trip.

One of Bermuda’s many stunning pink sand beaches © PixieMe / ShutterstockOne of Bermuda’s many stunning pink sand beaches © PixieMe / Shutterstock

7. Mongolia

In 2017 Mongolia will raise the curtain on a brand-new capital-city airport, a state-of- the-art facility that symbolises the country’s rapid modernisation. Ulaanbaatar has been the biggest beneficiary of the economic boom, its transformed skyline bristling with glass and steel towers. At the centre of this development is a US$500-million Shangri-La complex, which will be completed by 2017, featuring a 290-room hotel, an IMAX cinema and a Hard Rock Café. Beyond the capital lies Mongolia’s stunning countryside, highlighted by Lake Khövsgöl, the Blue Pearl of Asia. In 2015 the lake was connected to Ulaanbaatar by paved road, cutting driving time by 10 hours.

Mongolia’s Gorkhi-Terelj National Park, which is just one highlight of a country packed with epic scenery © GML / Getty ImagesMongolia’s Gorkhi-Terelj National Park, which is just one highlight of a country packed with epic scenery © GML / Getty Images

8. Oman

Oman has been the ace in Arabia’s pack for a while, but with more flights than ever before and high-end hotels popping up all over the place, the sultanate looks ready to raise its game yet again. Luxury accommodation, including the award-winning duo of Six Senses on the Musandam Peninsula and Alila in the Hajar Mountains, has long had a foothold here, but glitzy properties from Anantara, Kempinski and other high-end names are also slated to open soon. The burst of construction doesn’t stop there, though – the US$120-million Majarat Oman, a futuristic theme park for families, is set to debut in 2017.

The vast Sultan Qaboos Grand Mosque in Oman's beguiling capital, Muscat © Daniel James / Captured on Samsung Galaxy S7 / S7 edgeThe vast Sultan Qaboos Grand Mosque in Oman’s beguiling capital, Muscat © Daniel James / Captured on Samsung Galaxy S7 / S7 edge

9. Myanmar

Change has been a long time coming in the nation also known as Burma, but the election of the first civilian government in half a century has all eyes on the future. No one is pretending that all Myanmar’s problems have gone away, but things are moving in the right direction, and Southeast Asia’s most secretive country is poised to receive an influx of travellers. Visiting comes with challenges, but the reward is a window onto a vanishing Asia, where the difficulties of travel are part of the appeal, and where life moves to the timeless rhythm of chanting monks and monastery bells.

Buddhist temples strewn across the plains of Bagan, Myanmar’s answer to Angkor Wat © lkunl / Getty ImagesBuddhist temples strewn across the plains of Bagan, Myanmar’s answer to Angkor Wat © lkunl / Getty Images