When preparing to buy a home, most people can not make the purchase outright in cash. It is totally normally and acceptable to see a mortgage. As you go through the process of getting pre-approved for a mortgage so that you know what your home budget is, the bank is going to do something very important: a credit check. If you're thinking about buying a home but know your credit score won't be good enough, here are some ways you can improve it:
Monitor your monthly payments closely! Make sure you are always paying your bills on time, that you are meeting your minimum payments and that you don't skip paying a bill even if it's in dispute. There are helpful apps out there, such as Mint, that can help you keep track of payment deadlines, goals,
Tomorrow is the official first day of Fall! Things have been particularly autumnal around Calgary lately, most notably in the crisp weather we've been having. So as summer dresses and bathing suits are stored away and mittens and heavy jackets come back out, many Calgarian's are hurrying to get their homes and lives winterized.
One area of the home that needs to be winterized is the garden! Rather than simply closing up shop, take a moment to do one final harvest! You may be worried that the food your harvest will go bad before it is consumed. If so, we highly recommend canning whatever is leftover so that you can have fresh, home-grown food even in the middle of winter. Not everything is good canned, but many things seem to get even better once
The Merriam Webster Dictionary defines downsizing as "undergoing a reduction in size." Downsizing is sometimes used as a negative--a company may let go employees when forced to downsize due to a bad bottom line--but sometimes used as a positive--like when we clear out the clutter in our life. There are also positives and negatives when it comes to downsizing our home.
Buying a smaller home can be as liberating as it is hard work. However, if it is what is best for you and your family, it is worth it. If you are contemplating downsizing to a smaller home, make sure you think through the following carefully.
Positives to Downsizing:
Home maintenance ease (both indoors and outdoors).
Gardening season is upon us, and the secret to a great garden is great soil. What makes soil great? Compost!
Thanks to the City of Calgary, every home has a Green Compost Bin. You can regularly put compost waste in it for collection, or you can keep it inside your yard and do your own thing. If you choose to make your own compost, here is what you need to do:
Add Base: Food scraps are the base for your compost. You can basically compost any kind of food, except for meat & dairy products. This is because meat and dairy will attract rodents and maggots, but also compromises the nutrient balance of the compost. Have a mini compost container in your kitchen for easy access, then regularly dump it into your compost bin outside and clean it to reduce the
Daylight savings was last weekend, and some of us are still feeling the effects. While an extra hour of sunlight in the evening has been a welcome change from the dark winter months, losing an hour of sleep was the last thing we wanted or needed on the weekend. The good news is that are bodies will adjust, and the next time change come fall will give us an extra hour of sleep. We are counting down the days!
Sleep is incredibly important; this has never been up for debate. Since the dawn of time, sleep has been considered an absolute necessity in order for people to function at their highest possible level. Our human bodies require sleep to rest and recharge. It comes only second to eating and drinking. Most treatment plans for any bodily ailment
For many Canadians, seeing America's panic over the bomb cyclone sweeping over the southern states and up the coast has been somewhat comical. As they experience high winds, snow and plunging temperatures, some regions are calling states of emergency. For those of us in Canada, high winds, snow and plunging temperatures are an average winter day. It's called a blizzard, and we have survived many.
However, we need to be somewhat empathetic. Cities such as Calgary who experience bomb cyclone-like conditions regularly are well equipped to handle the intense weather; places in the southern states are not. In many of the areas that the bomb cyclone is passing over, cities don't have a fleet of snow plows ready to go when needed, vehicles don't have winter
As summer begins to wrap up, golfers everywhere are flocking to the green to get as many holes-in-one as possible before the cold comes and the courses shut down for the winter. While some may believe that golfing is a frivolous way to spend time and money, it has its benefits. Not only does it provide people with a community of fellow sportspeople, but golfing helps people live longer.
You heard us right: golfing is good for your health, and that is all the excuse you should ever need to pull out the clubs.
Jaclyn Law writes, "golf is an aerobic exercise that's good for both heart and lungs. It can also help prevent chronic diseases such as type-2 diabetes, strokes, colon cancer and breast cancer... Playing golf improves balance, muscle tone and
Calgary is a great city for many reasons, one of the main ones being location. Nestled right between the prairies and the mountains, Calgary is ideal if you like beautiful views and all four seasons. Another great aspect of Calgary’s location is that it is safe from most natural disasters.
Calgary is too close to the mountains to get tornadoes and too far from the sea to get hurricanes. Calgary is not affected by earthquakes and is not in a hot bed for forest fires. Albeit a little too much snow some winters, Calgary really is quite safe from natural disasters. However, as we learned back in 2013, it is not completely safe.
In 2013 Calgary was flooded after heavy rainfall all June. As soon as the Bow and Elbow rivers broke, most of the downtown core
School is officially in session which means there are a whirlwind of things to keep track of: assignments, extra curriculars, due dates, etc.. Trying to squeeze things in, prevent over-booking and make sure you remember a date before it’s too late can cause a lot of anxiety. Whether you are a student or a parent, keeping track off all these important dates and times can be extremely overwhelming.
The best way you can combat this anxiety is by being prepared and organized. This can seem like a large, daunting task, but we promise you it will be worth it. Here are some clever ways you can organize based on your needs:
1). For The Single Busy Body: Start a bullet journal. Bullet Journals are the latest fad in personal organization for one great reason:
Fraud is no longer as simple and easy as putting on a costume and making a fake ID. Fraud is complex and affects more people than we realize. Fraud is carried out by highly skilled individuals who know exactly what to do to steal identity, money, property, etc. very quickly, seamlessly and quietly. Most individuals don’t know they are about to become a victim of fraud until it is too late.
There are ways to protect yourself from fraud. The biggest way to do this is by refraining from releasing your personal information into the world. This means not posting your address on social media, never giving out your social security number unless required for a job and making sure that no personal documents get stolen.
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