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.