Tag Archives: #LindaMash

Can You See What Your REALTOR Sees in this Neighbourhood?

REALTORS® have their fingers on the pulse of the market. They know the questions to ask, the areas to probe and what to look for so that you get a complete picture of the property and community you’re considering. They can also identify the complex financial and legal issues involved in a real estate transaction.

Can you see what your REALTOR sees in the rural property?

REALTORS® have their fingers on the pulse of the market. They know the questions to ask, the areas to probe and what to look for so that you get a complete picture of the property. They can also identify the complex financial and legal issues involved in a real estate transaction.

Can You See What Your REALTOR sees in this Condo?

REALTORS® have their fingers on the pulse of the market. They know the questions to ask, the areas to probe and what to look for so that you get a complete picture of the property and community you’re considering. They can also identify the complex financial and legal issues involved in a real estate transaction.

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.

Conclusion

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.

Stressed About the Mortgage Changes?

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As you may have heard, Canada’s Finance Minister Bill Morneau unveiled a series of changes to the rules used to underwrite insured mortgages. Included in those changes, effective October 2016, was one termed a mortgage “stress test.”

The stress test is applicable to insured mortgage applications. It’s designed to ensure that borrowers are capable of paying their loans in the event interest rates rise, or their personal financial situation worsens. So now, no matter how low their actual mortgage rate, Canadian borrowers must show that they qualify for the Bank of Canada’s Mortgage Qualifying Rate, which, for example, was 4.64 percent when the new rule came into effect — about twice what a borrower might actually be paying.

Prior to the new changes, the historically low mortgage rates allowed even first-time home buyers with a modest income to qualify for a large loan. Now, buyers who previously qualified for a higher-priced home may experience a reduction in affordability.

If you’re considering a move, you’ll want to clarify if or how the new mortgage restrictions might apply to you, and if they do, what your best course of action is in today’s ever changing real estate environment.

Please call today for questions on this, and all your other real estate queries.

The Smartest Home Improvements for 2017

Why not add home improvements to your 2017 resolutions?

Here are a few tasks to kick off in 2017.

Replace Your Garage Door
Your garage door is one of the first things visitors and potential buyers will notice about your home. That’s why it’s important to ensure that yours is in great shape. Consider installing a new garage door if yours is damaged or showing its age.

Insulated garage doors will boost the energy savings of your home. Your garage is an open pocket of air attached to your home. As it gets colder outside, an uninsulated garage will trap cold air against your home, forcing you to spend more on energy bills. Insulated models will keep cold air out and help you eliminate extra spending on utilities.

Install Smart Locks
Smart locks allow you to control and monitor the security of your home through your smart phone. The price of smart locks will vary depending on the features. Most models come with Bluetooth connectivity and remote access.

Get a Nest Thermostat
Learning thermostats will improve the environment in your home and save you money. Smart thermostats learn your heating and cooling habits and automatically adjust your HVAC to meet your needs. You can install a smart thermostat yourself or with the help of a pro.

Complete a Minor Kitchen Remodel
Your kitchen is a busy place. Everyone loves to gather around food and enjoy good conversation while keeping the host or hostess company. If you’re dealing with a cramped kitchen, consider a minor kitchen remodel to help open up your space.

Worried about the cost of a remodel? A kitchen remodel will return 83 percent of its cost at the time of resale, making it one of the better ways to spend your money in 2017.

Update Your Bathroom
Your bathrooms are another great location for home improvements. You don’t have to overhaul the entire room to recoup the cost of your upgrades. Head to your local home improvement store and pick up any of the following items to boost the appearance of your bathrooms:

● New faucet and handles
● Modern mirrors
● New towel racks
● Floating shelves

Channel Your Inner Handyman
You can also tackle some home improvements yourself. It’s as simple as focusing on what’s already in your home rather than what it lacks. Go through your home and check for the following:

● Leaks in the shower
● Leaks in the sink
● Knicks in the drywall

Andrea Davis is the editor at HomeAdvisor, which connects homeowners with home improvement professionals in their area for free. Connect with Andrea on Google+

Clean Credit

PhotoPlanning on moving this year, or applying for a loan? You’ll want to check your credit report before contacting your lender. But what happens if, upon review of the document, you discover it contains information that will negatively impact your credit worthiness; what can you do to improve your standing in the eyes of creditors?

First, check your credit report for omissions and errors. If you notice any errors, write to your reporting agency, outlining the reasons for your disputes and requesting that they investigate your claims. Be sure to enclose copies of any supporting documentation. The credit bureau will investigate your claims by contacting your creditors to verify the information you’ve supplied.

As for negative entries in your report that are accurate, know that bankruptcies and other entries such as late payments will remain on your report for a number of years. For accounts that have previously been past due, but which you’ve since paid off and maintained — they might comply if they see you’ve been handling the account positively.

Be persistent with both the creditors and your credit bureau in finding the source of any incorrect information and getting it rectified. If a correction can’t be made, you can request that the credit bureau include a brief explanation of your version of events next to the entry in question. Make sure the reporting agency sends you an updated report to confirm all the changes.

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!

Can you see what REALTOR see inside this home?

REALTORS® have their fingers on the pulse of the market. They know the questions to ask, the areas to probe and what to look for so that you get a complete picture of the property and community you’re considering. They can also identify the complex financial and legal issues involved in a real estate transaction.