Thursday, July 8, 2021 / by Earl Gaddi
With summer in full swing, the days are longer and the weather is nicer, which means you and your little ones will want to spend as much time outside as possible. A great way to pass the time can be finding outdoor activities that double as exercise! Your kiddos will be wiped by the time they’re done, and you’ll get some well-deserved down time. While spending an afternoon at a local park serves as a great way for the kids to have some much-needed fun in the sun, why not consider setting up a backyard playset offering the kids a multitude of things to do like climb, swing, and slide from the comforts of home?
If you’re up for a good old-fashioned summer DIY project, read on to learn about some unique playsets you can use as inspiration to build your own dream setup!
How much do elaborate playsets cost?
While you could surely hire a professional to build a backyard playset, it can also be a fun DIY project a handy weekend warrior could tackle. Plus, when you ...
Wednesday, May 12, 2021 / by Earl Gaddi
Community gardens are a growing addition to many urban neighbourhoods. They provide a space for bartering, collaboration, education, and sometimes pizza! Across Canada, communities are extending their shared spaces to include pizza ovens, beehives, yoga classes, and gardening lectures.
Most gardens encourage family members of all ages to participate. The multi-generational approach allows for ideas and resources to be shared with greenhorns and green thumbs alike. And as more and more Canadians show interest in pursuing self-sufficiency and food security by growing their very own menus, it’s time to get involved!
Just keep in mind that COVID-19 may impact how some gardens operate. Your local municipality should have more information on their website.
History 101: The wartime victory gardens
During WWII, “victory gardens” (homegrown vegetable gardens) were promoted by the U.S. and Canadian governments to help alleviate food shortages. Any available greenspace was ...
Tuesday, May 4, 2021 / by Earl Gaddi
The Bank of Canada has kept its overnight lending rate target at its effective lower bound of 0.25 percent for more than a year to support the country's economic recovery during the COVID-19 pandemic.
Now, as the country enters its second year of the pandemic, the Bank appears unlikely to change its tune anytime soon.
The Bank announced on March 10 that it would keep the overnight rate at 0.25 percent, possibly until 2023, during a regularly scheduled announcement. Furthermore, since August 2020, the conventional five-year mortgage rate has remained unchanged at 4.79 percent.
James Laird, co-founder of Ratehub.ca and President of CanWise Financial, explains the latest news on the Canadian mortgage market and how it may affect consumers in 2021.
What the latest Bank of Canada rate announcement means
In the mortgage industry, the Bank's decision to keep the overnight rate at 0.25 percent was not unexpected, according to Laird. What's more important, he says, is the Fed's reaffirma ...
Tuesday, January 19, 2021 / by Earl Gaddi
Naturally most of us are inclined to buy a house based on a pure intestine and heart reaction. "It's feeling like home." But discovering the "feeling" can be just like a dating exercise in persistence and anger. Originally the speed dating was intended to condense the complete search into one session. The method of matchmaking is perfected by time and poignant questions, which filter the "one."
Here are 10 questions to help you find your dream match.
1. Are you low maintenance?
Take a general sweep of a house and its belongings. Are there perennials in the gardens? What is the height of the gorge? What is the assurance on the roof? The metal roof will last up to 50 years and every 10 or 20 years, in areas with heavy snowfall and rain, asphalt shingles must be replaced. Is the house built of a sturdy material such as Hardie Board? Insects, weather and strange woodpeckers can make a log or wood house work quickly and need constant maintenance.
2. Are you quiet?
Spend time on t ...
Wednesday, August 26, 2020 / by Earl Gaddi
If you work with a family lawyer or a financial planner, you probably already know the importance of a regular review of your estate plan. Usually, an annual inspection (or more often, if advised) is a good idea.
But even if you're not working with a legal or financial professional, you should know that there are three moments that should trigger a review of your estate plan.
If you or your loved one experiences one or more of these moments, it's time to get the paperwork out and review your plan.
At least six elements should be included in the estate plan. These elements do not need to be in separate documents, but all six of them need to be addressed in order to make clear what should happen to your estate, assets, and any dependent loved ones. These six elements shall include:
Will (a document outlining how assets should be distributed);
Power of Attorney (a document that states that you can make legal and financial decisions on your behalf if you become d ...