Saturday, April 30, 2011

Gardeners boot camp: What to do and when to do it


Ready? Get set and get out there into the garden. Ah, but wait a moment. We lose more plants at this time of year than any other because we’re so winter-weary we’ll head out on the first warm, sunny day. Don’t.
Safe planting times differ across the country, so here’s a rough guide as to when and what you can do over the next few weeks. And when you plan your budget (yes, you must), be sure to leave something for bulb purchases in the autumn.
Timing
Ancient farmers said you could plant when you could sit on the ground with your bare bum, but nowadays you need to know frost dates. The accepted past-freezing date ranges from April 19 in Victoria to June 2 in St. John’s.
This is especially important for vegetables. When you choose your veg seeds, check out how many frost-free days they require and make sure you have that. And note: Frost means 0 C but damage can also occur when it’s slightly above.
Prepping
Let fallen leaves lie. Worms will use them up within a few weeks. Start your garden prep gently: Tidy edges and paths but avoid raking so you don’t damage new shoots. Very carefully remove mulch around plants on the south-facing areas you want to warm up quickly. Anything you remove can be tossed into the composter for later use.
Rinse out the rain barrel and get it ready for spring rain. If you don’t have one, get one.
Turn over the vegetable patch and add a layer of compost or manure (or a combination) and let it settle. Remove any weeds you can identify.
Vegetables
New gardeners should start with about 10 per cent of the budget devoted to vegetables. By now you’ve started your indoor seedlings; turn them daily, giving all sides equal exposure to the light source, to ensure they grow evenly. They also need daily watering and misting, and thinning out.
If you have no seedlings, you can sew directly into the soil as follows: carrots, two weeks before the last frost is predicted; tomatoes, a week after the last frost; basil, two weeks after last frost. Frost-hardy plants include arugula, kale, lettuce and peas. Frost tender: tomatoes, basil, cucumber, squash.
Plant vegetables among perennials and annuals, especially chard and kale: Sow seed outside right after last frost. Keep harvesting outer leaves. They look ornamental and taste delicious.
Woody plants
New gardeners should plant 50 per cent of their budget in trees and shrubs. These are the skeleton of the garden, will establish a look and provide year-round form.
Established gardeners should consider investing 30 per cent of the budget in trees and shrubs once the garden has started to mature.
Mulch with compost (or a combination of compost and manure) around major plants and newly planted areas once you’ve finished mucking about in the garden. Do this any time, especially in places where there is likely to be a drought. Make sure the soil is loaded with moisture before you do this and protect with mulch (but never dyed mulch).
Trees and shrubs, a.k.a. woody plants, can be planted fairly early in the season: Plant deciduous trees before buds break in spring; plant evergreens up to four weeks after leaves on deciduous trees unfurl.
For a stylish look, plant dwarf evergreens. They are exceptional plants for small city spaces and can spruce up an old garden. Make sure they have lively companions such as ornamental grasses, which are in scale (not a teeny evergreen and a giant grass).
Prune all the dead wood out of your shrubs now; wisteria can be whacked back to the structure (main branches) but leave enough so that you see buds popping out.
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Thursday, April 28, 2011

10 kid-safe home tips to help mom worry less


By Scot Meyer of SwitchYard Media
The typical house can be a dangerous place for small children. Child-advocacy group Safe Kids USA says that every year, an average of 2,096 children in the United States die from injuries suffered at home.
The good news: That average has declined for the past 20 years, the organization says, and that trend can continue if parents take some simple precautions.
Here are 10 trouble spots to be aware of and tips for making sure home sweet home is also a home safe home.
1. Install a window guard
Each year, falls from windows kill 12 children younger than 10 years old and injure an additional 4,000, Safe Kids USA says. These falls are most common in big-city apartment buildings, but the American Academy of Pediatrics' Healthy Children websiterecommends that parents install guards on all windows above the first floor in suburban houses, as well.
"You also need to think about which window in each room you would use as an emergency exit in case of fire, and make sure whatever device you use on that window has a quick-release mechanism," says Meri-K Appy, president of Safe Kids USA.
Safe Kids USA says that fatal window falls declined by 35% in New York after the city passed a law requiring guards in windows of all apartments with children 10 or younger.

2. Add a gate to your stairwell

The American Academy of Pediatrics recommends that parents install stairway gates  to prevent falls. Appy says parents should place them at the top and bottom of the stairs.
Each year, about 103 U.S. children die from falls, and more than 2.3 million fall-related injuries are reported, Safe Kids USA says.
In addition to falling down stairs, infants are at risk from falls from furniture and from baby walkers, which the pediatrics academy recommends that parents not use.

3. Lock ovens and kitchen drawers

Parents can install special locks and knob covers that are designed to keep toddlers from opening the oven, turning it on or activating burners on the stove.
Most kitchen drawers and cabinets also should be secured, says Frederick Ilarraza, co-founder and president of New York baby-proofing firm Baby Bodyguards. It's OK for parents leave one drawer — far from the stove — unlatched for a child to explore, however, he says. This drawer can contain kid-friendly items, including plastic containers and plastic and wooden utensils.
"But you shouldn't allow (children) to play with pots and pans, because they won't differentiate between the pot they are allowed to play with and the one on the stove with steam coming out of it," Ilarraza says.

4. Turn down the heat

The most common burn injuries for children younger than 4 come from hot liquid or steam, Safe Kids USA says. Although most scald burns are from hot foods and liquids spilled in the kitchen, hot tap water accounts for about 25% of scald burns and causes more hospitalizations and deaths than other liquid burns.
To prevent scalding in the kitchen and bathroom, parents can set the thermostat on their water heater to 120 degrees. Those who want an extra level of safety, or who don't have access to their building's water heater, can install special faucets and shower heads that shut down the flow when the water gets too hot.
"Young children's skin is thinner than adult skin," Appy says. "What might just feel uncomfortably hot to us can badly burn a child."

5. Ensure your smoke alarm works

Every bedroom should have a smoke alarm, as should any common area within 10 feet of the kitchen. Each floor of your home also should have a carbon-monoxide detector.
The National Fire Protection Association says that about 3,000 people die in the U.S. each year because of fires, and children younger than 5 are 1.5 times more likely to die in a home fire.
The association's research shows that nearly two-thirds of home-fire deaths were in residences with no working smoke alarms. Data from 2009 show when a smoke alarm was present during a home fire but did not go off, the failure was because of a dead or discharged battery 22% of the time, and the battery was missing or disconnected 53% of the time.

6. Tie down bookcases

Small children like to grab and climb, and those instincts make large pieces of furniture and other heavy objects dangerous.
"File cabinets have a mechanism that prevents more than one drawer from being opened at a time, but dressers and changing tables do not," Ilarraza says. "Bookcases can seem secure and are, so long as they are bottom-heavy. But once a toddler removes the bottom two shelves of (its) books, the piece becomes top-heavy and easily toppled."
To prevent toppling, parents can buy straps to hook bookcases, television stands and dressers to the wall. These are available where other child-proofing products are sold.
It's also wise for parents to put heavier items on lower shelves or place safe items in which children are interested on the bottom, so kids won't be tempted to climb.

7. Install bumpers on sharp edges

The American Academy of Pediatrics recommends removing sharp-edged or hard furniture from rooms where children play and installing bumpers on coffee tables and other hard edges throughout the house.
Ilarraza says that corners are especially dangerous because they can create puncture injuries. "Toddlers seem to have strong magnets in their foreheads that attract coffee-table corners," he says.
Soft foam corner protectors cost a few dollars.

8. Keep kids away from water

Unintentional drowning was the leading cause of injury-related death for children ages 1 to 4 in 2007 and the No. 3 cause for children ages 5 to 9, the National Center for Health Statistics says. The Centers for Disease Control and Prevention also says that more than 20% of the 3,443 drowning victims that year were 14 or younger.
Children can drown in less than 2 inches of water, the American Academy of Pediatrics says. Thus, bathrooms should be off-limits to unattended young children, who can drown in bathtubs, toilets and even in pails of water.
Parents also should surround their swimming pool with a fence that is at least 4 feet high on all sides and that has self-latching gates.

9. Place cords out of reach

Young children are at risk for strangulation and suffocation around the house, says the American Academy of Pediatrics, which urges parents to place baby cribs away from windows.
Cordless window treatments are a good idea, the academy says. If that is not possible, shade cords should be tied high and out of reach and not knotted together.
Electrical cords can be hazardous, too. Baby Bodyguards says that while many people realize the dangers of cords that dangle near a crib, they think nothing of putting plug-in baby monitors near or inside the crib. "They work just as well and often better from the other side of the room, where your child can't reach the cord from the crib," Ilarraza says.

10. Cover electrical outlets

Young children love to poke and prod, so it's a good idea to cover all electrical outlets to reduce the risk of shock.
"Most parents know to place caps in electrical sockets," Ilarraza says. "Unfortunately, many of the socket caps on the market today are the size of a quarter (and are) a choking hazard.
Ilarraza says he recommends a product called SafetyCaps, which are larger, so children cannot get them lodged in their throat. The caps also have holes to allow air to pass.
Surge-protector covers also are available.

CREA LAUNCHES APP FOR BLACKBERRY DEVICES


Potential homebuyers can now use a Blackberry app from the Canadian Real Estate Association (CREA) to search for homes.


Potential homebuyers can now use a Blackberry app from the Canadian Real Estate Association (CREA) to search for homes.


CREA launched the app today and now has apps for three of the most popular smart phones. The Blackberry app allows users to search for homes near them using GPS technology, directly contact a real estate agent, use BING mapping to focus on specific neighbourhoods, and schedule open houses using the device’s calendar.


“When considering one of life’s biggest financial transactions, easily accessible, detailed information about homes and neighbourhoods, as well as access to realtors, helps people make well-informed decisions,” said CREA President Gary Morse.


CREA’s latest app is provided as a free download. Apps are already available for the Apple iPhone and the Windows Phone 7, and an Android app is planned for release this summer.



How to 'break' a mortgage and not pay a penalty...

http://www.moneyville.ca/article/980303--how-to-break-a-mortgage-and-not-pay-a-penalty?bn=1

Tuesday, April 26, 2011

BEING A REALTOR ONE OF THE MOST STRESSFUL JOBS: SURVEY


Real estate agents have one of the most stressful jobs, according to a new survey by a job-listing website.
Real estate agents have one of the most stressful jobs, according to a new survey by a job-listing website.

CareerCast, which maintains a database of job postings from the U.S. and Canada, ranked real estate agents 10th, just slightly better than emergency medical technicians and stock brokers.

“Agents work long, erratic hours including working most weekends, spending much of their time showing properties to clients,” said CareerCast description. “The field is highly competitive, which can cause high levels of stress.”

The description gave Realtors a good mark on hiring outlook, at 31 out of 200, but hours per day was one of the highest, at 9.5 hours.

The most stressful job on the list was a commercial pilot, followed by public relations officer and corporate executive.

The least stressful jobs included an audiologist, dietician and software engineer.
to read the rest of this article click here

Thursday, April 21, 2011

GTA April 2011 Mid Month Resale Housing Figures

TORONTO,APRIL18,2011‐‐ GreaterTorontoREALTORS®reported4,444salesduringthefirsttwoweeksofApril2011athreepercentdecreasecomparedtothefirsttwoweeksofApril2010.

Thenumberofnewlistingswasdownby21percentcomparedtothesameperiodlastyear.
“SalesactivitywasquitestrongduringthefirsttwoweeksofApril.

Ifthislevelofactivityissustainedfortheremainderofthemonth,wecouldseeApriltransactionsclosetolastyear’srecordresult.

Positiveeconomicnewshaskepthouseholdsconfidentintheirabilitytopurchaseandpayforahomeoverthelongterm,”saidTREBPresidentBillJohnston.
TheaveragesellingpriceforfirmdealsreportedthroughthefirsttwoweeksofAprilwas$483,165,representinga12percentincreaseovertheaveragepriceof$430,271reportedduringthesameperiodlastyear.
“Thenumberofhomeslistedforsalesofarin2011hasbeenbelowexpectations.

Marketconditionshavetightened,resultinginincreasedcompetitionbetweenhomebuyersandacceleratingratesofaveragepricegrowth,”saidJasonMercer,TREB’sSeniorManagerofMarketAnalysis.
“ThestrongrateofpricegrowthreportedforthefirsttwoweeksofAprilshouldenticemorehouseholdstolisttheirhomesforsale.

Thiswouldresultinmorebalancedmarketconditionsandmoremoderate ratesofpricegrowth,”continuedMercer.

Tuesday, April 19, 2011

Ontario Energy Board released Regulated Price Plan

Today the Ontario Energy Board (OEB) released Regulated Price Plan (RPP) 
electricity commodity prices that take effect May 1, 2011. 

Also starting May 1, time-of-use (TOU) off-peak hours on weekday evenings will begin two hours earlier at 7 p.m. (from 9 p.m.), enabling consumers to take advantage of lower cost electricity earlier. 


Time-of-use prices are changing as follows: 
On-peak = 10.7 cents/kWh (up 0.8 cents) 
Mid-peak = 8.9 cents/kWh (up 0.8 cents) 
Off-peak = 5.9 cents/kWh (up 0.8 cents)


Now instead of doing Landry at 9pm I can start at 7pm ;-)

This Cover will stop the flapping for only $26

This is for the Hundreds of people out there where, on windy days their kitchen and powder room exhaust vents flap like crazy and make all kinds of noise in the house.  This is your solution.  Only $26 at Home Depot.

Monday, April 18, 2011

Basement Style: 13 Designs

Basement Style: 13 Designs

TORONTO CONDOS, BUNGALOWS UP IN PRICE: ROYAL LEPAGE


Home prices made steady gains in Toronto over the past year, mostly mirroring the national averages, according to new data from Royal LePage.

Home prices made steady gains in Toronto over the past year, mostly mirroring the national averages, according to new data from Royal LePage.

In the first quarter of this year, condominiums in Toronto sold for an average of $339,025, which was up 3.7% from the first quarter of 2010. Standard two-storey homes were up 2.5% to $589,929 over the same period, and detached bungalows were up 4.5% to $499,050.

Nationwide, the national average price rose 4% for a condo, 3.5% for a two-storey home, and 4.3% for a bungalow, according to the Royal LePage survey.

Detached bungalows have been an attractive option for those looking for affordability in Toronto, said Gino Romanese, senior vice president for Royal LePage Real Estate Services Ltd.

“We are still seeing a lot of first-time buyers in the market that are motivated by the concern of rising interest rates,” he said. Detached bungalows have also been popular with builders who either renovate or rebuild them into larger units, said Romanese.

Condos, already another preferred choice in Toronto for affordability, have become increasingly popular.

“While this property type has always been attractive to first-time buyers because of their affordability, increasingly more buyers are choosing to live in condos as a lifestyle choice,” said Romanese. “In addition, the Toronto condo market is attractive to foreign buyers who are looking to add a low maintenance residence in the heart of Toronto to their portfolio.”

While sellers used to receive multiple offers anywhere in Toronto, Romanese said only those that are priced appropriate and in desirable neighbourhoods are getting such attention now.

Within Toronto, The Annex saw the biggest gains in condo prices, up 11% in the first quarter in 2011 from the same period in 2010, to an average of $460,000.

Condos in Etobicoke-Islington/Kingsway and South Etobicoke were also up about 10% to $363,000 and $364,000 respectively. The South Etobicoke region additionally had double-digit gains in bungalows, up 12% to an average of $700,000. It also had the biggest gains for two-storey houses, up 9.1% year-over-year to an average of $478,000.

Thursday, April 14, 2011

Investing in US Real Estate - Do Canadian's Know the In's and Out's?




As many Canadian REALTORS® find ways to partner with U.S. REALTORS® in these challenging times, a Canadian investor may find they own less than they first were aware if they purchase a U.S. property out of foreclosure.
For many foreign investors, access to accurate and timely legal and accounting information is difficult. This is particularly so in the U.S. where the independent states will have quite different laws. For an investor purchasing in Canada from another country there are many intricate taxation and land ownership issues that need to be researched.
Many people, drawn to a U.S. investment because of the low value or foreclosure opportunity, may be buying a lot less than they bargained for. In a typical transaction in the U.S., a buyer must be aware that the withholding laws are very similar to Canada in that any income you derive from that property will attract a withholding tax of 30%. If you owe less than that, the burden of proof is on you. Likewise a sale of a U.S. property can trigger taxation that is not anticipated. Returning funds to Canada is not a clean process either. Consequently, you will be very well advised to have Canadian and U.S. legal and accounting advice so make sure you budget for the additional costs of the transaction in the process.
The exchange rate can also present a problem, so much so, that a few years ago many U.S. investors in "pre-sale" projects in Canada were willing to walk away from their deposits and risk being sued because the exchange rate had varied between executing a contract and closing on it... if you think that could not happen to you, think again. How long do you intend to hold the property? Are you looking for cash flow revenue or asset appreciation?
The larger issue was reported to the media a few weeks ago and presents a disconcerting problem to Canadian investors in the present US market. The issue is that after closing you may find that you do not legitimately have title to your property. The issue stems from various packaging of financial instruments in the run up to the economic challenges we face today, and the title essentially getting confused in the process in such a way that the bank that foreclosed on the property before you purchased it, may not have had the actual right to foreclose on that property at all.
In searching around the internet I found a blog site that explains this quite well although it initially sounds confusing... here is an excerpt:
"Some readers may take this all to be unduly alarmist. But confirmation that this problem is real and potentially serious comes via a new "gotcha" practice by Wells Fargo on foreclosure sales. Wells is sufficiently concerned about the risks of selling properties out of foreclosure that it is springing an addendum on buyers, shortly before closing, which effectively shifts all risk for any title deficiency on to the buyer.
Now why is this a big deal? Go reread the boldfaced sentence above. If a bank like Wells does not have the right to foreclose, it cannot have clean title to the property. So the bank could conceivably be selling something it does not own."
In the mean time, the credo BUYER BEWARE is particularly true with what may appear to be a phenomenal deal in the U.S.


article By Mark Jennings-Bates