Monday, 4 November 2013

Backyard Entertaining on a Budget

Nothing says bring on summer quite like a backyard BBQ. It's the perfect mix of friends, the fresh outdoors, and fantastic food! But just because you want to throw a social, doesn't mean you have to break the bank. Here are a few ideas of how to entertain outdoors on a budget:

Food
Send an electronic invitation to your friends to let them know you're throwing a pot-luck BBQ. Create a food list and give guests an idea of what to bring, usually a side dish or dessert. Remember to prepare as much as possible in advance so that you can spend most of your time outside with your guests and not in the kitchen.

Seating & Decor
Arrange several seating areas if space allows. If you're short of chairs, ask friends and family to bring their fold-ups that transport easily. Swing by local garage sales or thrift stores if you need extra tables. Pick up colourful vinyl tablecloths, napkins and decorations at your local dollar store.

Kids & Fun Stuff
Kids love the beach, so buy an inexpensive wading pool and fill it with clean sand. Add plastic buckets, spades, blow-up beach balls, and a croquet set from the local dollar store and they'll be all set. Lay bright beach towels on the grass, or under a tree and the little ones will have their own picnic area too.

Lights & Pesky Bugs
String some white or blue lights around the backyard for nighttime. Place a few tea lights in glass containers and display them around the garden on things like bird baths and paving stones for a magical effect. To stop bugs from crashing your party, stake some tiki torches in the ground or put citronella candles on tables to keep them away.

Favour Ideas
Want to send your friends off with a little gift at the end of the party? If your homemade BBQ sauce is a party favourite, make a big batch, put in sterilized bottles and give to guests. If there is plenty of leftover food, be generous and let everyone take something home for dinner the next day. Don't forget to save some for yourself!

Shop Your Renewal

Lenders make a lot more money when they renew your mortgage than on your initial term. That’s partly because they don’t have to compensate anyone for referring you (or compensate them as much). But it’s also because many renewers don’t comparison shop as much or negotiate as hard. According to a recent Maritz/CAAMP survey, only 56% of borrowers negotiated their mortgage rate at renewal. A remarkable 4 in 10 took the first rate their bank offered. How good do you think that rate was? It sure as buttercups wasn’t the best the bank could do.

A while back the Bank of Canada found that borrowers who don’t comparison shop pay rate markups that are more than double those paid by comparison shoppers. And lenders’ client retention teams are wise to this. So they employ strategies like graduated rate discounts, which means they offer you an okay rate to start, and if you complain or show them better competing offers, they get progressively more competitive. That’s why trusting your lender to offer a fabulous rate up front is the single worst thing you can do at renewal.

Get Second Opinions

One of the easiest ways to protect yourself is to compare rates with a broker. Unfortunately, only 28% of mortgage holders “definitely” plan to consult a mortgage broker at renewal, according to Maritz research. But whether you consult a broker or call up multiple banks and credit unions, shopping around your renewal is mandatory. That challenge is convincing bank customers of that. They tend to be a loyal sort. In fact, bank clients are more than 50% more likely to use the same lender when renegotiating or renewing their mortgage than broker clients. That’s largely because brokers open people’s eyes to better alternatives. At any given time, one of dozens of broker lenders may have rate promotions or mortgage features that save a borrower hundreds, or even thousands, in interest.

Unfortunately, broker clients also switch lenders more often because a minority of less ethical brokers churn their books—i.e., convince borrowers to switch lenders primarily to generate another commission. (Naturally, your success with any advice provider depends on their integrity.)

It Takes Effort

When your mortgage maturity comes around, don’t be satisfied with your lender’s first offer. If you’re well qualified and really want the best deal, do this instead:
Check the major rate comparison websites.
Call the non-broker banks. (RBC, BMO, etc.)
Call a broker, check their broker lender offerings, share your own findings and ask them to compare the pros/cons of the best deals you’ve found.
Compare the above to your existing lender’s offer (including all switch costs, if any).
Pick the best overall deal (which isn’t necessarily the lowest rate).

These steps should easily shave one-or two-tenths of a percentage point off your rate…or more. A 10 basis point rate savings on a $200,000 mortgage puts $950 back in your jeans over 60 months. You’ll also improve your odds of finding a mortgage with the optimal term and fewer restrictions. And those two points always save you more than any small rate difference.

Making your home look it's best!


Across Canada, housing prices are rising steadily this year. In July in the GTA, sales rose by a shocking 16.4% compared to July 2012. Not only were there substantially more homes sold over the past year, but the average house price climbed by 7.9%. All home stagers would agree that if you want to join this trend and make a profit off your home, you have to make it look the part. If you want your house to look like it's worth every penny of what you hope to get for it, sprucing up your home and home staging is a must. Here are some tips to get you started on making your home look its very finest.

Finish the exterior – Every home has something to fix on the exterior. This can be anything from filling in some missing mulch in the garden to repainting that dated front door or putting on that final piece of trim. Make sure the exterior of the home is welcoming and nicely painted. First impressions are extremely important when it comes to buying a home, and the exterior will give your potential homebuyer exactly that: their first impression.

Lighting – Few things make bolder statements than the lighting in your home. An elegant chandelier in the foyer can create a high-end feeling throughout the entire home. Decorative table lamps in bedrooms and family areas also create warmth; while pot lights give a bit of a luxurious, glamorous feel to rooms.

Depersonalize - Potential homebuyers need to picture themselves in your rooms, and quirky decor and crazy flares may not do the trick. A few personal touches make for a fun showing of your home, but having too many starts to make things feel cluttered. Try and limit the vibrant colours and unconventional furniture to keep the house feeling familiar.

Ensure everything in the home is working and well-maintained - No torn screens, cracked plaster or burnt out lights. You may have gotten used to them, but homebuyers are looking for something they want to live in; not something they can live in. So be sure to tour your home and carefully look over every area, ensuring that all lights, windows, sinks, etc. are all functional and look well-kept. Scents are also important in the home. Some air freshener helps the home feel clean and crisp.

Be size-conscious of fixtures and furniture – Your favorite couch or table may look really good, but if it’s difficult to fit it inside of the room, it is time to say goodbye. Try to include small groupings of furniture to give the room some depth and make it look bigger than it is.

Kitchen, Kitchen, Kitchen – Clear your counters and create a clutter-free environment. A simple vase or bowl adds a personal touch and makes it feel homely; all while maintaining a clean atmosphere. However, I would recommend storing small appliances in the cupboard as this makes the kitchen feel much bigger. You will want to make sure that your appliances are being stored in new-looking cupboards. A simple paint of coat and some new handles makes a huge difference in giving your kitchen a more modern feel. Lastly, if your kitchen doesn’t have a backsplash, all you need is a weekend to do it. Because the backsplash area is so small, you can invest in some gorgeous tiles or glass mosaics to add additional quality to the room.

Fresh linen – All bed linen, towels, curtains, etc. need to be replaced if they do not look new. This is an inexpensive way to introduce some character and style into your home while making it feel fresh and new.

Update the bathroom – Something as simple as a new mirror and shower curtain can make a big difference to potential homebuyers. Some new lights and fixtures can go a long way as well. Try replacing bathroom towel bars with well-designed ones from a designer bath boutique. You can get matched ensembles that include a toilet paper holder, wastebasket, trays, etc. You will be able to update your bathroom for only a couple hundred dollars; which will be worth much more when selling.

Maintain the Master bedroom – A beautiful master bedroom is key to finding a homebuyer. The master bedroom is where a home owner is most connected with: it is the last thing they will see every night, and the first thing they will see every morning. Continue the hotel feel into this room with multiple new pillows, fresh linens, and a throw at the end of the bed. Matching lamps or vases is a great way to bring symmetry into the room and will give the room that designer flare.

Overall, keep your house clean and clutter free, make sure everything is in working condition, and update what you can: whether it be a big project or a small fixture. All the little updates add up and can take a home from livable to lovable.

Tuesday, 1 October 2013

How to Expertly Host Thanksgiving Dinner

Thanksgiving can be stressful whether it's your first time hosting or your fifteenth. To keep your stress levels low, try this simple, yet elegant menu from Food Network Kitchens' cookbook "How to Boil Water". Stick with our suggestions or add in some family favorites to make it your own.

Recipes:
Roast Turkey with Gravy
Apple-Cranberry Dressing
Pear and Blue Cheese Salad
Green Beans with Shallots
Mashed Potatoes
Apple Crisp

First, make it easy on yourself. Follow a plan. The more you can prepare ahead of time (that includes any trips to the supermarket), the better.

Settle on a menu (or use ours) but don't feel like you have to do it all. This is a great holiday to enlist helpers to prep in the kitchen, tend bar, set the table or help clean up. And, it's ok to say "yes" when someone offers to bring something — ask them to bring wine, another dessert, a side dish, and if your oven is small, they can even bring the turkey!

Once you've reviewed your recipes, figure out how many pots, pans and serving dishes you'll need. If you come up short, borrow the rest from a friend or family member. Two highly important items are a roaster pan with a solid bottom (those foil ones at the grocery store aren't quite sturdy enough, but you can place one on top of a sheet pan) and an instant-read thermometer to test the turkey for doneness.

If you've bought a frozen turkey, make sure to defrost it properly: one day in the fridge for every 5 pounds. And don't forget to remove the giblet package inside the cavity before you roast it!

Read all the recipes before you start cooking. Figure out which take longest (like the turkey) and prepare a prep schedule.

Here's a plan for our "How to Boil Water" menu:

Thanksgiving morning or preferably the day before:
• Make the giblet stock and a cranberry sauce (choose one from our site). Store them in the fridge.
• Wash and trim salad greens and green beans. Wrap them loosely in paper towels and store them in the crisper.
• Bake the Apple Crisp. Let it cool and then wrap it in foil. Reheat just before serving.
Thanksgiving Day:

Three to four hours ahead of time, depending on the size of your turkey:
• Make the Apple Cranberry Dressing. Cover the baking dish with foil and pop it in the fridge until about half an hour before dinner. If your oven is too small to hold both turkey and dressing, bake the dressing while the roasted turkey rests.
• When your oven is preheating, toast the nuts for the salad and set them aside.
• Prep the turkey according to the recipe and put it into the preheated oven.
• Take a break!

One hour before dinner:
• Make the vinaigrette for the Pear and Blue Cheese Salad.
• Put the potatoes on to cook.
• Take the bird out of the oven after its required cooking time, tent it in foil and let it rest.
• Cook and assemble the Green Beans with Shallots and hold in a warm place.
• Assemble the salad (don't add salad dressing until ready to serve).
• Make the gravy.
• Mash the cooked potatoes.
• Carve the turkey.
• Put the crisp into a low oven.


The final step:
• Pat yourself on the back!

Monday, 30 September 2013

13 Tips for Selling in the Winter

What makes selling a home more stressful? Selling it in the middle of winter. The lawn is brown, the weather is usually bad and, unlike the longer days of summer, you have less time to show it off during daylight hours.

But not everyone has the luxury of waiting until the traditional spring or summer home-buying season to plant that "for sale" sign. And while it's true that in most areas you'll probably have fewer buyers during the winter, you will have less competition from other sellers.

The season makes staging — the concept of showing your house at its best — even more important. Be prepared to put a little effort into it. "It's more difficult to make something look really appealing this time of year," says Ron Phipps, broker with Phipps Realty in Warwick, R.I. If you do it right, you can really make your house stand out.

1. Keep snow and ice at bay.
The top tip from agents: If the buyer can't get in easily, the house won't sell. That means keeping walkways and driveways free of the frozen stuff. Just like trimming the lawn in the summer, you want to make the home look like it's been maintained. If you're away frequently or live in an area that's subject to bad weather, it can pay to hire a service to regularly salt or shovel the driveway and sidewalks.

2. Warm it up.
If you're showing during the winter, think "warm, cozy and homey," says Ken Libby, owner of Stowe Realty in Stowe, Vt., and a regional vice president of the National Association of Realtors. Before a buyer comes through, adjust the thermostat to a warmer temperature to make it welcoming. "Sellers like to turn the temperature down because of heat costs," says David Ledebuhr, president and owner of Musselman Realty in East Lansing, Mich., and a regional vice president of the National Association of Realtors. "But buyers who come in and aren't comfortable won't stay long."

If you have a gas fireplace, turning it on right before the tour can give the house a little ambience, Libby says. With a wood-burning fireplace, you've got to be a little more careful. If the house is vacant, don't chance it. But if you're still living there and will be there during the tour, it can be a nice touch.

Many times, sellers leave right before the agent and prospective buyers arrive. In that case, adjust the heat to a comfortable temperature and have the hearth set for a fire. Buyers feel the warmth and see the potential, and you don't have to worry about safety concerns.

3. Take advantage of natural light.
"Encourage showing during the high-daylight hours," Ledebuhr says. At this time of year, "if you show after work, you're totally in the dark." Make the most of the light you do have. Have the curtains and blinds cleaned and open them as wide as possible during daytime showings. Clean all the lamps and built-in fixtures, and replace the bulbs with the highest wattage that they will safely accommodate. Before you show the house, turn on all the lights.

4. Get the windows washed.
"Buyers act on the first impression," Ledebuhr says. Windows are one thing that many sellers don't even consider. In winter, that strong southern light can reveal grime and make it look like the home hasn't been well-maintained.

5. Play music softly in the background.
To create a little atmosphere, tune the radio to the local classical station. Turn it down so that you barely hear it in the background. "It's soothing," says Libby, who finds that soft classical music tends to have the most appeal to buyers. "I think people tend to stay around a little longer and look a little longer."

6. Make it comfortable and cozy.
Set the scene and help the buyers see themselves living happily in this house. Consider things such as putting a warm throw on the sofa or folding back the thick comforter on the bed. Tap into "the simple things this time of year that make you feel like you're home," Phipps says.

7. Emphasize winter positives.
Is your home on a bus route or some other vital service that means it's plowed or de-iced regularly in bad weather? Be sure to mention that to the buyers.

8. Set up timers.
You want your home to look warm and welcoming whenever prospective buyers drive past. But you're not home all the time, so put indoor and outdoor lights on timers, Phipps says.
Look at the outside lighting around the door. Is there enough illumination to make it inviting? If not, either get the fixtures changed or have new ones added.

9. Make it festive.
Even if you're not actually going to be present, greet your buyers as if they were going to be guests at a party, Phipps says. Set up the dinner table with the good china and silver. Have a plate of cookies for your guests, some warm cider or even chilled bottles of water. "First impressions are so powerful," Phipps says. "If it looks like you're expecting me and greeting me as company, that's a powerful impact."

10. Give the home a nice aroma.
The No. 1 favorite? "Chocolate-chip cookies," Libby says. "Just about everybody likes that smell." Other popular scents: cinnamon rolls, freshly baked bread, apple pie, apple cider or anything with vanilla, cinnamon or yeast. "But don't overdo it, either," Ledebuhr says. Scented candles in every room or those plug-in air fresheners can leave buyers wondering what you're trying to mask.

Watch the bad smells, too. Pet smells, smoke and musty odors can cling to curtains and carpets. Ask your real-estate agent or a friend to give it a sniff test. Then clean the house, air it out and replace drapes, carpets or rugs before you show it.

11. Protect your investment.
Some sellers (or their agents) will ask buyers to either remove shoes or slip on paper "booties" over their footwear before touring the house. Many buyers like that, Phipps says. It indicates a "pride of ownership and meticulousness that resonates with buyers," he says.

12. Use the season to your advantage.
While the holidays are over (and the Christmas and Hanukkah stuff should come down), you can still use winter wreaths and dried arrangements around the door to spark interest. "Anything seasonally appropriate is fun," Phipps says.

In the winter, with the leaves off the trees, you might also have a nice view that isn't as apparent in the spring and summer months. It's a great time to sell waterfront properties, Phipps says. "You can see the views better this time of year."

13. Consider the area.
In some parts of the country, such as ski areas or warmer regions where the snowbirds flock, winter weather can actually be a selling point. "We're right in the middle of our selling season," says Libby, who is located in Vermont. "It's not always spring and summer."

Tuesday, 12 February 2013

Valentine's Day in the Comfort of your Home

Any plans for this Valentine's Day?  Why not romance your loved one by serving a delicious home cooked meal in the comfort of your own home?

Here's what you need to set the mood for Romance...



Setting the Mood

Candles are a must!
IKEA has an excellent selection of tall / wide ivory candles as a centrepiece.


Fresh cut flowers arrangement - recommend getting a fresh cut bouquet the night before from your local grocery store and arranging the flowers at home in a pretty vase.


If you have a fireplace - get it going!  It would be ultimate romantic setting to place a small bistro table in front of the fireplace as shown on this image.


Dim the lights and turn up the music!



Music Playlist

Our friends @ Impact DJ Entertainment shared with us a modern list of upbeat Love Tunes to sit back and enjoy each other's company.  No time to make put a list together?  Jazz is always a winner!

Bruno Mars - Just the Way You Are
Chris Brown - With You
Secondhand Serenade - Fall For You
Adele - Someone Like You
Ryan Huston - This Life
Beyonce - Halo
Rihanna - You Da One
Bruno Mars - Grenade
Charlie Wilson - You Are
Nelly - Just a Dream
Lady Antebellum - Need You Now
Taylor Swift - Ours



Wine and Dine

The Little Grape That Could

Super smooth and a great conversation starter!

The Little Grape That Could is a non-profit wine company founded in Toronto by a wonderfully generous team of skilled volunteers. 100% of profits from the sale of each bottle of wine go to the charity of your choice. 


Cabernet Sauvignon
Beautifully balanced. The tannins are very soft and mellow, but it also has a good spine of acidity. Red currant and black currant flavours. Notes of cedar and plum on the nose. Medium body with a dry finish. 

Torrontés
Fresh, enticing and perfumed nose of honeysuckle, rose and citrus fruit. Palate is light to medium-bodied, youthful, fleshy with notes of candied lime peel, grapefruit, further delicate floral notes and crisp acidity. Good length with a refreshing finish.






Menu

Create a scrumptious healthy dinner menu with the help of our Healthy Salmon Recipe Booklet 












Dessert

No-fail Chocolate Velvet Brownies featured on the Steven & Chris Show






Enjoy your lovely evening in the comfort of your home!


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