Packing Tips for Moving

Proper packing is critical to a successful move. Your possessions represent both an emotional and a monetary investment which deserves the best care available.

Consider using a professional packing company to ensure your possessions arrive at your new home safely. Even if you are on a tight budget, it is recommended that you use the services of professional packers for your most delicate items like china and breakables.

If you decide to do some or all of your own packing, arrange for plenty of packing cartons, paper and tape. You can buy packing supplies from most local storage companies.

The key to good packing is organization:

• Use the right size boxes. Put heavy items, like books, in small boxes; light items, like linens and pillows, in bigger ones.
• Don’t leave empty spaces in the boxes. Fill in gaps with clothing, towels, or packing paper. Movers often won’t move boxes that feel loosely packed or unbalanced.
• Pack as much as you can in one room before going to the next room
• Pack the out-of-season items first
• Pack the seldom-used items next
• Leave the must-have items to last, such as soap, towels, toiletries, coffee, paper cups and plates, paper towels, Kleenex, medications, etc.
• Do not pack valuables such as jewellery, precious stones, coin and stamp collections, or money. It is best to take these items with you.
• Label each box with the room it’s destined for and a description of its contents. This will help you and your movers know where every box belongs in your new home.
• Make sure all boxes can close properly and are sealed so the tops are flat. If you overpack a box, you risk damage to the contents.
• Put curtain rods, dresser, shelving, bed, and table hardware, such as bolts and screws, in plastic bags and tape each bag to the item or label each bag and place in a carton labeled set up box
• Do not exceed 50 pounds in weight per box, and make sure the lids close flat
• Do not pack dangerous or flammable items such as lighter fluid, paint, oily rags, matches, charcoal, pool chemicals, bleach, oven cleaner or ammunition, as they can explode and cause damage to your shipment. Movers are not licensed to carry dangerous goods on the moving van.
• Keep an inventory list of each box and its contents. This will be necessary if a box goes missing and you need to make a claim.
• Get everyone involved by making a task list, then dividing out the jobs that each person can do. Organizing your household will not only save you time and energy, but will make your whole family feel like part of the adventure.

 

How to Add Style to Your Small Apartment

Decorating a small space can be challenging, especially if you are moving from a home to a small apartment. Fortunately, there are many easy and affordable ways to convert your small apartment into a stylish sanctuary that is cool, comfortable, and never feels cramped.

1. Select small furniture. 
A small apartment living room can easily be overwhelmed by excessively large furniture. Many home decor stores like IKEA understand this and offer a large selection of apartment-friendly furniture. If you have a large piece of furniture, make sure it does not dominate the room by adding colorful smaller accent pieces.

2. Create an attractive focal point with your piece of furniture.
Creating a focal point in each room helps the room feel more cohesive and less cluttered. Whether it is your sofa, a window, or a favourite piece of art, a focal point helps draw attention to one area of the room, providing a distraction from any less attractive areas.

3. Use tall items to draw the eye upwards.
Use stacks and tall items to draw the eye upwards to create the illusion of higher ceilings. If your windows are small, try purchasing long curtains and hang them as close to the ceiling as possible. Not only will this create a beautiful focal point, but it also gives the appearance of a larger window.

4. Choose a cohesive color scheme.  
Use paint colours and fabric swatches to create an attractive colour scheme and use it throughout the apartment. Having a unified colour scheme creates a designer feel and makes your space feel pulled together.

5. Keep clutter to a minimum. 
Create areas for your art collections where they can be displayed together. If you have a problem finding storage in your apartment, be creative and make your own. Many stores like Lowes carry affordable storage systems that you can install yourself.

6. Use mirrors to your advantage. 
Placing mirrors and other reflective surfaces opposite of windows and other light sources creates the illusion of more light and makes space appear larger than it really is.

7. Add your own artwork. 
Creating your own art is a fantastic way to personalize your space. Choose what interests and appeals to you and run with it. Let your imagination go wild and create a painting or project tailored to your home.

8. Accessorize
Once you have established and arranged your furniture, it’s time to accessorize. Use items that you already own; small coffee tables, books, and other accessories can complement your furniture and make your space look more stylish. Small or unusual games like Japanese puzzle boxes also make interactive and attractive accessories. Remember, your living room is for living in, not staring at—make it fun, functional, and fabulously decorated.

Winter Home Maintenance Checklist in Kitchener - Waterloo

With winter just around the corner, it’s time to get your house ready for the cooler months ahead. Although autumn can be one of the busiest seasons for homeowners preparing for winter, it’s also the best time to take advantage of the moderate weather to repair any damage before the first frost sets in. Here are some home maintenance tips to keep your home in peak condition all winter long.

Outdoor Preparation

• Check the roof for cracked or missing shingles, bald spots on shingles, missing or damaged flashing, and other conditions that might allow leaks. Replace any roof shingles that are missing or damaged. Seal minor cracks or tears with roofing cement.
• Check the gutters. If they are clogged with leaves and debris, clean them. Gutters prevent basement and foundation flooding and water damage to siding, windows, and doors.
• Check the siding for cracks or damage and seal any leaky spots with clear caulking compound.
• Windows and doors. Make sure they are properly sealed with weather stripping and replace any damaged parts. Weather stripping prevents drafts and winter heat loss.
• Trim trees and bushes away from the house.
• Cover air conditioner and barbecue to prevent winter damage.
• Store lawn and patio furniture in a shed or basement. If space is limited, use weather-resistant covers that can protect outdoor furniture.
• Close your pool before leaves start to fall and nighttime temperatures begin to drop; otherwise, you may risk an algae bloom.
• Drain and shut off outdoor water faucets and remove and store garden hoses.
• Store kids' toys indoors or in an outdoor shed to prevent rusting and fading.
• Check and repair exterior lighting before daylight fades.
• Scrape peeling paint and apply touch-up paint to your siding, trim, and fences, and apply waterproofing sealer to your deck if necessary.
• Examine driveways and walkways for cracks. Larger cracks should be sealed to keep out water.

Lawn and Garden

• Prepare planting beds when the soil is relatively dry. By adding soil and mulch to your beds, you'll be a step ahead for spring planting.
• Plant spring-blooming bulbs and perennials.
• Protect roses, saplings, and small trees by sheltering them with a burlap screen.
• Pull weeds to reduce the number of seedlings next spring.
• Mow grass short for the final cut of the year by reducing the cutting height gradually to 3.5 cm (from 7.4 cm) until the grass stops growing.
• Check ground grading around the house. All surfaces next to walls should be sloped to shed water away from the house. This is most important on warm winter days, as melting snow runs quickly across the surface of the frozen ground. If the grading is incorrect, water will potentially flow into the house, causing basement leakage. Now is the time to use a shovel to re-slope the grass, or call a paving contractor to correct a negatively sloped walkway or driveway.

Indoor Preparation

• Bring container plants inside and make sure they are free of pests. Doing so may enable plants to survive the season and bloom again in spring.
• Caulk around window and door casings to keep out air and water. If your house has wood siding with window frames that stand out from the siding, caulk the top and sides of the frame. Don't caulk under the sill as this space should be left open to allow moisture inside the wall to escape. If your house is brick or stone, with window frames that are set into the finish material, caulk all four edges of each frame where the brick mould meets the masonry.
• Clean or replace furnace filters as needed. Check and clean dryer vent, air conditioner, stove hood, and room fans. Keep heating and cooling vents clean and away from furniture and draperies.
• Ensure that all smoke detectors, carbon monoxide detectors, and fire extinguishers are in good working order. Replace batteries as needed, or at least twice each year.
• Have your heating system checked by a licensed heating/air-conditioning professional. Most furnace manufacturers recommend annual inspections.
• Have your chimney(s) inspected by a chimney service and, if necessary, cleaned. Cleaning is generally recommended at least once a year for an active fireplace.
• Store plenty of salt or rock salt, snow shovels, and any other items you will need during the winter.
• Examine the basement floor and walls for cracks or leaks; seal as needed.

If you plan to reside elsewhere during the winter months, you may want to partially shut down your home. In addition to the tips above, consider the following:

• Leave the temperature at its lowest setting, usually between 5 and 7 degrees Celsius, or install a low-heat thermostat to maintain the air temperature at approximately 5 degrees Celsius
• Turn off and drain the water heater; leave a reminder to refill before restarting.
• Keep the electricity on so lights will continue to function (put lights on timers).
• Unplug the microwave, clothes dryer, televisions, and other appliances not in use.
• To avoid large repair bills and the hassle associated with breakdowns, take the time now to develop an action plan for the coming months. You'll feel secure in your warm home or while you're away from home.

Winter can be hard on a house; following these steps will help preserve your investment and prevent any unnecessary chores or repairs that might be difficult to do during winter.

 

7 Ways to Pay Off Your Mortgage Faster in Waterloo Region

Paying down your mortgage as early as possible is one of the best suggestions that financial advisers make to their clients.  After all, throwing extra money at the biggest debt you may have can result in big interest savings and being mortgage-free years sooner.

Since mortgage payments are made with after-tax dollars, putting extra money down on a debt with an interest rate of 3.49% is equivalent to getting a guaranteed, risk-free return of over 5.0% for most taxpayers. If your mortgage rate is higher, your return would be higher too.

1. Shop around for the best mortgage possible with your credit score. 
When a mortgage company has a small overhead cost to stay in business, it typically means that they will not charge you unreasonable ongoing service fees. Make sure you know the fees charged by your mortgage company before you sign the loan.

2. Select weekly or bi-weekly mortgage payments. 
A bi-weekly mortgage payment means you make 26 half-monthly payments instead of 12 monthly payments. But keep in mind that unless your initial mortgage is set up as bi-weekly, some lenders charge an upfront fee of $300-$400 to make bi-weekly payments, and even though you're making a payment every two weeks, the lender only applies it once a month.

If you make bi-weekly payments of $415 instead of monthly payments of $830, you could save almost $27,000 in interest over the entire amortization period of your mortgage, and you could own your home about 4-1/2 years sooner.

3. Prepay a little extra every month, or any time during the term of your mortgage. Increasing your payment by even a few dollars each month will pay down your principal amount faster. It is a good idea to pay 10-15% more each month. This amount shouldn’t put too much extra burden on you, and it will help to pay off your mortgage much faster. For example, if you increased your mortgage payments by just $170 from $830 to $1,000, you could save almost $48,000 in interest over the entire amortization period of your mortgage, and you could own your home about 8 years sooner. 

4. Make an annual lump sum payment. Use your tax refund, work bonus, or any extra money you can save and apply it directly to your principal amount. Check your mortgage documents to find out how often you can prepay and in what amount. Many loans don't prohibit you from doing this; however, the lender may have parameters on how many extra payments you can make. Ask this question when shopping for a mortgage loan. 
 
5. Pay as much as you can at renewal time. 
Most mortgages become open at renewal. This means you can pay as much as you want on your mortgage. If you chose a 5-year, fixed-rate term and made a $10,000 lump-sum payment every time your mortgage came up for renewal, you would save about $37,481 in interest over the entire amortization period of your mortgage.

6. Red flag your extra payments. Always check your mortgage statement to make sure that any extra payments you made are being counted against the principal and that your bank has accurately documented your payments. Make the extra principal payments on a separate cheque and make a note on the memo line stating that the payment should be applied to principal reduction only. At tax time, tally up those payments and make sure they've been applied correctly. 

7. Stay informed. Once you have a mortgage, aside from making the payments, it's easy to forget about it altogether. Keeping up to date on interest rates and new products could save you money. You may want to shop for another product that better suits your needs. For example, to qualify for a mortgage, you may have started out with a lower-rate adjustable-rate mortgage, but you want to switch to a more long-term, affordable fixed-rate mortgage later. 
Fortunately, it's easy to virtually play around with various payment scenarios. Most financial institutions, banks, and mortgage brokers have online mortgage calculators that can easily calculate the savings for you. Combining two or more of the above tips would result in even bigger savings.

Tips for Waterloo Region First-Time Home Buyers

The pride of home ownership is the number one reason why Canadians desire their own home. There is no landlord looking over your shoulder. You are able to make home improvements knowing that any appreciation that results will be to your benefit. Home ownership gives you and your family a sense of stability and security. It's making an investment in your future.

Home ownership is the cornerstone of financial independence and security. It may seem a daunting prospect to younger people or first-time buyers, but it is achievable.

Like many would-be homeowners, you may be wondering how you can possibly afford to buy your first home. Even if you think you can’t afford a home, these saving tips and financing strategies can take you there sooner than you think and turn you from a renter into an owner.

Develop a culture of saving
The first priority for you should be to develop a culture of saving. This not only helps you in budgeting and planning for the future, but also satisfies banks and other lending institutions that you have a clear commitment to save.

Start an automatic savings plan
Saving for a down payment can be a financial challenge, but it’s a step forward to owning your dream home. Make saving automatic by setting up an automatic savings plan at your bank to regularly move a specific amount of money directly from your chequing account to a savings account. You’ll be surprised at how much you can save and how quickly the “pay yourself first” approach adds up.

Borrow from yourself
The federal government’s Home Buyer’s Plan (HBP) lets you borrow from your Registered Retirement Savings Plan (RRSP) to help purchase your first home. You and your partner can each withdraw up to $20,000, provided it’s not locked-in and the money has been in the RRSP for at least 90 days.  You have to repay the loan in installments over the next 15 years to avoid a tax hit. 
 
Take a holiday from tax
If you open a new Tax-Free Savings Account (TFSA), you won’t pay any tax on earnings, which will help you compound your savings. You can contribute up to $5,000 a year to a TFSA, and save for anything you like, tax-free.
 
Review your mortgage options
Once you make the decision to purchase a property, the next choice is the type of loan to suit your budget. The two most common types of loans are the variable interest rate loan and the fixed interest rate loan.  

You can now choose to pay back your mortgage over 25 or 30 years, instead of the traditional 20-year amortization period. This means you will pay more interest over the long term, but you can reduce monthly payments to get into your starter home. You can always change this later, once your income rises and you can pay your mortgage down faster.
 
Get into a starter house
Try to be as flexible as possible when choosing your first home. Unless you are status conscious, your first home doesn’t necessarily have to be your dream home. You could settle for a starter home, which you can afford with a small down payment and easy mortgage instalments. There are plenty of lower-priced houses out there in need of repair, with some "Do-It-Yourself" projects where you can add more value to the house. Just be careful not to buy a property where the cost of repairs will eat up any profits you might make when you sell.

In just a few years, you will build enough equity in your starter home to make it easier for you to sell and move into to your dream home. Buying your first home is an exciting process. After all, your home could be the largest asset you’ll ever own. Being able to finance most of its cost will take a load off your back in the future.

Remember to look at the big picture. While buying a house is a great way to build wealth, maintaining your investment can be labour-intensive and expensive. When unexpected costs for new appliances, roof repairs and plumbing problems crop up, there's no landlord to turn to, and these costs can drain your bank account. So consider whether you're ready for the expense and effort of homeownership before committing.

Top 10 Tips for Staging Your Home For Sale in Kitchener -Waterloo

Home Staging is a proven system for preparing properties for sale. You aim to present your home in the best possible light to win the hearts of prospective buyers. With Staging, the focus is shifted from the furnishings to the home itself, the views, the space, and the unique features of the property.

In preparing your house for sale, you need to take a step back and have the mindset that this is no longer your home but your investment. You want your home to stand out from the crowd and have a broad buyer appeal. Following these 10 tips will help you sell your house sooner and possibly for more money.

1. Curb Appeal – stand back and view your home as if you were seeing it for the first time. This is the ‘first impression’ stage. Depending on the season, you may want to have pots of colourful and attractive flowers to greet buyers; a clean and inviting doormat; new and shiny door handles and/or knockers with a freshly painted door.

2. Declutter – start your pre-pack as soon as possible. You need to decide what you are going to keep, give away, sell or throw away. You may rent storage lockers so you can start to clear out what is not going to make the house look good.

3. Clean – you would think this one is common sense, but let me assure you, I wish it was so! A clean home translates into “They must have really cared for their home.” Use environmentally friendly cleaners where you can, and for hard-cleaning areas, TSP is a good product. Bathrooms and kitchens must be sparkling clean at the very least.

4. Depersonalize – we know you love your family photos and your personal treasures, and for living, they are perfect. However, when it comes to selling your home, you want buyers to focus on the best features of the house and not your personal collection. Pack personal items and photos carefully and store them away so you can showcase them in your new home.

5. A neutral colour scheme is the way to go for selling. Choose only three colours or less to paint your house for selling. If you have an open floor plan, then paint the main floor all the same colour. Bedrooms look good in light sage greens or warm blues like the new aqua.

6. Highlight your home’s best architectural features – place your furniture in each room so that you have very obvious focal points that show off the home’s best selling features. For example, if you have a beautiful fireplace, then place the furniture in a parallel grouping so that the eye is drawn to the fireplace.

7. Decide on the function in each room – if you were using your guest bedroom as your den for living, for selling, turn it back into a bedroom with bedroom furniture in it. If you do not have the right furniture for each room, consider renting it. There are more and more rental furnishing companies opening up every day. If you don’t want to rent, then borrow.

8. Lighting your home to its best advantage – spend money on new light fixtures in brushed nickel or stainless steel. Brass is out, so don’t fight it. There are many low-cost lighting stores to select from, so no excuses for having dated light fixtures.

9. Use window treatments that sell your home – the most popular on the market are the 2” faux woods in a white tone to go with your trim. Decorative side panels will do the trick if you need to add warmth and colour.

10. Flooring needs special attention and is a good investment for updating the look of your home – tile or linoleum is great for entranceways, bathrooms, kitchens, laundry rooms; a good quality laminate or hardwood is perfect for living rooms and family rooms; bedrooms are attractive in a neutral carpet.

By planning and budgeting, you can get yourself to the “OPEN HOUSE READY” stage. Remember that over 79% of prospective buyers have already checked you out through the MLS listings. Will they like what they see?

Happy Selling!

Basement Waterproofing Technologies in Kitchener, Waterloo and Cambridge

Basement leakage is the most common problem found in houses, and over 90% of all basements will leak and suffer damage at one time or another. Some evidence of moisture penetration can be found in almost every house. A house with water problems does not necessarily mean it was poorly constructed. Water can appear in even the best-built home.

Moisture problems can be intermittent. In some houses, water penetration will occur after virtually every rainfall. In other houses, it will occur only after periods of prolonged rain. In most cases, however, the resultant damage does not indicate frequency.

Not all basement leakage problems are solvable, but the majority of leakage problems can be solved by directing surface water away from the building around the foundation or/and using downspout extensions to force rainwater to flow away from the house.

Warning signs of water leakage:

• Mold and mildew: Fungus that grows in damp and dark areas and causes discoloration or musty odors.
• Musty odors: This could be the result of the decay process from mold and dry rot.
• Peeling paint
• Damp spots on walls: Water has absorbed through your walls.
• White substance on basement walls: This is a chemical breakdown of the bonding agent that holds your walls together. The white substance is a sign of possible structural deterioration.
• Cracked walls: Should be inspected to determine the exact cause.
• Rust on appliances, furniture or furnaces.
• Dry rot: Black fungus grows mostly on walls or wooden surfaces, causing wood to decay.

Why is waterproofing important?
A wet basement can dramatically reduce the value of your home. Studies show that most people won't even consider buying a home with water leakage. Selling a home with water leaks can easily result in as much as a 25% reduction in the sale price.

Even if you rarely have problems with dampness or flooding, it's best to solve the problem completely before doing any remodeling work. Permanent solutions can take time to implement. A good place to start is to talk to an independent home inspector who specializes in waterproofing problems.

Damp proofing or waterproofing on walls?
There is a big difference between damp proofing and waterproofing. By definition, damp proofing can retard moisture but, unlike waterproofing, it does not stop hydrostatic water pressure.

To damp-proof, you apply a coat of tar-based material to the outside walls. Tar damp proofing is inexpensive and meets the lowest minimum standard.

Damp-proofing may be acceptable if there is sandy soil and great drainage. But often, there is a high water table or poor soil. Clay holds rainwater, which builds up hydrostatic pressure against the foundation. Moreover, water cannot drain through the undisturbed soil under the footings and the groundwater level rises.

Complete waterproofing is ideal
Good waterproofing is a wise investment. It is not just a coating but a whole system that includes:

1- Redirects water away from the foundation
Different exterior waterproofing barriers vary in effectiveness at protecting exterior walls. But wall anti-leaking barriers do not affect water penetration due to water accumulation at the footer or floor level. The ideal solution is to direct accumulated water away from the foundation and into drainage or pumping systems.

2- Install an interior drainage system
To control leakage in the basement, you may want to install a drainage system on the inner side of the foundation. The floor is broken up along the perimeter of the basement wall, and drain tile is placed in a trench that carries the water to a discharge point or sump pump, which takes the water away from the house.

3- Apply waterproofing compounds to the walls
With mild or occasional capillary seepage, capillary waterproofing materials can be applied to either exterior or interior wall and floor surfaces. If properly applied, they will penetrate several inches into concrete and close off minor cracks by forming crystals in the presence of water. You should carefully read the product label to determine if the product's waterproofing limitations are sufficient to fix the problem. Waterproofing paint is most effective if applied directly over cement and not to existing painted walls.