When you buy a home, you’re probably not thinking too much about where life will take you five, 10, or 20 years from now. At the time, you’re more preoccupied with getting moved in and settling into your new space. But as your personal, professional, and financial situations change over time, you might need to re-evaluate your mortgage, too. That’s why it’s smart to consult a mortgage expert every few years to find out how you can optimize your payments as your lifestyle evolves. Here’s what to keep in mind throughout the amortization period of your mortgage.

Why are regular mortgage check-ins important?

Reviewing your mortgage frequently, especially if your financial needs, personal circumstances, or homeownership goals change, is a good idea, says Craig Howie, Durham Region Mortgage Agent for Dominion Lending Centres in Whitby, Ontario.

During these check-ins, your mortgage specialist will review your finances, income, employment status, debts, and personal life events, such as divorce or illness. They’ll also want to discuss your short- and long-term homeownership goals. This can help you decide whether to change your mortgage strategy or structure, such as paying a lump sum, negotiating interest rates, or increasing your payment frequency.

What happens when your mortgage is nearing renewal?

You can renew with your current lender without the need for a credit check or income verification, but that’s not always the best financial move, says Howie.

“Lenders often don’t send out their best rates in a renewal letter because they know people are busy or their credit situation could have changed,” he explains. “Somebody who lost their job or has extra expenses will value the idea of paying a slightly higher rate without another credit or income check.”

You could switch to another lender to get a better rate, but if you’ve made big purchases (car, vacation, taking out loans, etc.) your debt-to-income ratio increases, and that can affect your ability to get another mortgage.

“Once you have a mortgage, you’re only qualified for that mortgage; if you take that mortgage to another lender, they view it as a completely new one,” says Howie.

Five years into your mortgage: kids and jobs can factor in

Five years in, homeowners may have started a family, which impacts your finances, says Howie.

“You can often end up in higher debt due to maternity or paternity leave and daycare expenses, so we can look at a potential refinance and consolidating credit card or line of credit debt and adding it to the mortgage at a much lower rate,” he explains.

Amortizing those costs over a longer period lowers your monthly expenses and increases your cash flow, he adds. Or, if you’ve changed jobs and boosted your income, you may decide to change the frequency and size of your payments.

“When rates were 1.5%, nobody was really itching to pay their mortgage off quickly, but if interest rates stay where they are now—in the 5% range—it does make sense to pay it off faster by changing monthly payments to biweekly, taking advantage of lump sum payments, or doubling up your payments,” says Howie.

These are the things your mortgage expert can walk you through, identifying what makes the most sense for your personal situation. Mortgages shouldn’t be a “set it and forget it” situation. It’s important to keep on top of things to see where and how you can optimize your payments.

10 years into your mortgage: time for some TLC around the house

After 10 years of living in your home, you may be thinking about renovations or repairs. You may want to add the cost of a remodel or a new roof onto your mortgage, or switch the home equity you qualified for over to your mortgage. Reviewing your mortgage with an expert will help give you the bigger picture so you can see what your options are.

15 to 20 years into your mortgage: tapping into your equity

Fifteen to 20 years into your mortgage, you might have kids who are learning to drive, getting ready to go to university or may want to travel for a year—all things parents often help support financially. Or maybe you long to buy a vacation property or retirement.

“Although previous generations had a mentality of paying off debt as fast as possible, for the past 20 years, we’re seeing more people refinancing their mortgage to use funds as investments,” says Howie. He has many clients who leveraged their mortgages to buy rental properties or condos for university-aged children—who then charge rent to their roommates to help pay the mortgage.

“Some people are also thinking about retiring and wondering how to use the equity in their home to buy a cottage or help their children purchase a home.”

After spending the time to build equity in your home, you should be exploring all the options on how it can work best for you. You can also take this time to look at your long-term goals and consider what your priorities are as you near retirement.

Into the home stretch

A mortgage specialist will guide you through your final payment and advise you of any paperwork to be done along the way. Right up to the end, it’s important to maintain good credit so you can have an option to requalify if you need to, advises Howie. He adds that many mortgage brokers reach out to their clients annually to make sure things are going smoothly and any questions are answered.

“We make sure to address any questions or concerns ahead of time, so when the mortgage comes up for renewal, they don’t just sign the renewal; we always see what else is out there.”

Once you’ve paid your last mortgage payment, you still have a few things to do. This process, called discharging a mortgage, also involves your lender and provincial land title registry office. First, you’ll request confirmation from your lender that your mortgage has been paid in full. Then, your notary or lawyer sends these documents to the land registry office so changes can be made to your property’s title. There are fees involved, which vary depending on where you live. Find out what’s required in your province to be sure you’ve followed all the steps.

Your situation in year one of your mortgage is almost guaranteed to be different from your situation in year five, 10, or 20. Regularly looking at your mortgage options—with the help of a mortgage expert—can help save you money in the long run and even achieve some of your goals sooner. If you’re not sure where to start, your REALTOR® will be able to point you in the direction of other trusted professionals.

Source: https://www.realtor.ca/blog/checkpoints-you-should-consider-over-the-course-of-your-mortgage/31638/1361

Having a fall cleaning checklist seems a little bit like getting tricked into some kind of second spring cleaning. Didn’t you just wash the curtains and wipe down those ceiling fan blades?

But hear me out: Giving your home some extra attention before cozying up inside it for fall and winter means you’ll enjoy that special time at home more than ever. Whether it’s movie night on the couch snuggled in warm blankets or turning on the fireplace and cranking up the music as you sip cold-weather drinks, home is such a big part of the season, and working your way through a fall cleaning checklist is the most straightforward way to get your home ready for it. 

So before you transition to spending more time indoors — especially if you’re hosting guests during the holidays — get your home ready for increased habitation with this ultimate fall cleaning checklist.

Kitchen and Bathroom

• Clean your kitchen grout.
• Clean your bathroom grout.
• Clean your refrigerator coils, if applicable.
• Clean under your refrigerator.
• Clean the inside of your dishwasher.
• Clean and condition the wood of your bathroom and kitchen cabinets.
• Clean your oven.
• Wash and disinfect all the garbage cans.
• Seal and/or polish granite countertops.
• Wipe down kitchen mats.
• Wash bath mats.
• Wash the shower curtain.
• Deep clean microwave.

Bedroom (and Closet)

• Refresh bedding that isn’t regularly washed (comforters, pillows, etc.).
• Vacuum and flip mattresses.
• Put cold-weather linens on the beds.
• Switch out seasonal clothes.
• Dust your bed frame. Vacuum or lint roll if it’s upholstered.
• Clear off and clean your nightstands.
• Vacuum under the bed.
• Lint roll lampshades and dust light bulbs and lamp bases.
• Polish wooden furniture.
• Dust blinds.
• Wash curtains.

Living Areas

• Vacuum upholstered furniture.
• Vacuum under your upholstered furniture cushions.
• Polish your wood furniture.
• Wash artificial plants.
• Dust living plants’ leaves.
• Wipe down your screens (TV, computer, etc.).
• Clean all keyboards and remote controls.

All Around the House

• Wash your walls.
• Wash your windows, window sills, and all the window groves.
• Clean your washer and dryer.
• Clean your doorknobs, doors, and lightswitch plates.
• Vacuum under all beds, couches, and other furniture.
• Dust the tops of doors and door frames.
• Spot clean carpets and rugs.
• Clean floors underneath area rugs.
• Wash curtains or have them cleaned.
• Remove and rinse your window screens.
• Wash your washable vacuum cleaner filters.
• Clean your baseboards.

Tackle Some Seasonal Maintenance

• Change your HVAC air filter.
• Replace your fire alarm batteries.
• Condition your leather furniture.
• Dust your ceiling fans and set them to turn so air circulates upward.
• Sweep the chimney and/or have it checked.
• Clean out rain gutters.
• Check weather stripping and replace as necessary.

Source: https://www.apartmenttherapy.com/39-ways-to-your-deepest-clean-yet-the-ultimate-fall-cleaning-checklist-235949

Buying a new home is exciting, but depending on where you are on the property ladder, you may not be getting a move-in ready property. Although it can be tempting to jump right in to transform your space, it’s not always a good idea to rip down walls as soon as you close the sale. Here’s why you should put down that sledgehammer and take your time instead.

1. You’ll learn about your home and its pain points

Whether you buy a total fixer-upper, an older home that needs minor updates, or a newly built place you want to personalize, it’s smart to play the waiting game before embarking on major renovations, says David Stevens, a REALTOR® with Royal LePage Coast Capital Realty in Victoria, British Columbia.

“I tell my purchasers I’d like to see them in the house for 12 months before they start renovations, so they get to know the house and the property inside-out. It’s like buying a car: you always test drive a car to see if you like it,” says Stevens.

After living in your home and seeing how it functions during all four seasons, you’ll figure out your priorities. Maybe you’ll notice you need more lighting or realize you have plenty of storage and don’t need custom-made built-ins.

2. You’ll have more time to plan your project

The key to making smart home improvements is in the planning. Allow yourself the chance to meet with several architects, designers, and contractors without the rush to complete a project before you move in.

More planning also helps you stick to a budget, because you can ask questions, compare quotes, speak to references, and figure out what you really need. Working too quickly can lead to poor decision-making and doing things over.

3. You’ll have a better grasp on your finances

Living in your house before ripping it apart also lets you see what you can afford—and what you can’t—because you’ve been paying your mortgage and expenses for a while, says Stevens. After forking out cash for your down payment, closing costs and moving expenses, it’s wise to get back on your feet financially before committing to anything else.

Getting all the work done before you move in comes with huge costs: you could end up having to rent somewhere if there are delays in your renos. Doing things slowly gives you—and your savings account—some breathing room.

4. You’ll probably change your mind (a few times)

You may have thought gutting the kitchen was your top priority when you first bought the house, but once you’ve lived in it, you might end up liking the older wood cabinets and decide to paint them instead of demolishing them. Or, you might see that having a finished basement with a family room and guest suite has become more important to you than redoing the bathroom.

Your perspective will shift once you move into your home, because it’s hard to know how your family will use each space until you actually live there. While test-driving your house, take note of which rooms you spend the most time in and whether there’s something you want to do but can’t—such as entertaining outside or working out in a home gym.

5. You’ll need a break

Buying a home can take its toll: from qualifying for a mortgage to house-hunting to negotiating with the sellers and handling closing costs, the homeowner journey can be a stressful, exhausting one. Maybe after all this—plus packing and moving—you don’t also need the headaches that can accompany a major remodeling project.

Taking time to revive yourselves after purchasing your property can help you think more clearly when you’re ready to make the next set of big decisions: picking what to renovate.

Your REALTOR® can help guide you through these decisions and more, as you enjoy your new home.

Source: https://www.realtor.ca/blog/heres-why-you-should-live-in-your-home-before-renovating-it/28881/1367

From creating a warm, inviting space in your home, to clearing your driveway for potential viewers, to making sure any essential home renovation and repair is complete, we’ve compiled some ways to prepare your home in the winter and help maximize your selling potential.

If you think selling your home in the winter is the same as selling your home in the summer, well, that’s a cold take. Each season has its distinct benefits when it comes to listing a home, so how can you take advantage of the snow and frigid temperatures?

“There’s less competition on the market during these slower months,” she says. “As a seller, you have the focused attention of all the buyers hunting for a home in your area, or even outside your location. When supply is low, demand for your property can be high simply by being the only option.”

If you’re thinking about selling your home in the winter, here are some tips on how to prepare for a successful sale.

Make the most of the outdoors

Landscaping

Despite not being able to appreciate the lusciousness of your garden or lawn in the winter, landscaping shouldn’t be neglected.

“Landscaping is your ultimate first impression,” said van den Broek. “A buyer makes their initial decision of like versus don’t like in approximately 60 seconds, so the walk up or drive by shouldn’t be underestimated. A buyer will feel confident that seasonal maintenance has likely been completed, and that you’ve taken care of your home inside and out.”

As a rule of the proverbial green thumb, remove anything that’s unlikely to survive the winter so there aren’t dead plants in the garden. If you’d like to add plants and shrubs, be sure they’re the evergreen kind such as Blue Holly or Winter Heath. If you have pets, ensure you’ve removed any droppings and yellow snow before potential buyers show up. Even if your area doesn’t get much snow, make sure your front yard is well-kept, with any dead leaves raked up and thrown away.

Clear your driveway and pathway

Shovelling snow is twofold in terms of safety and removing the thoughts buyers conjure up of having to do it themselves. Consider installing solar-powered lights to help illuminate the path and be sure to salt/sand any walking paths to lower the risk of a fall for potential buyers.

Lessen the chances of icicle formation

Icicles are very pretty to look at, but they can wreak havoc on your home. Melted snow from your roof contributes to ice dams being formed in gutters, which in turn can cause water to back up into your home. The formation of icicles can also indicate issues with your roof or ventilation, which could be a red flag to potential buyers. While you can remove small icicles yourself—make sure to take all safety precautions if you need to venture onto the roof–it’s best to leave the removal of larger ones or hard-to-reach icicles to the experts.

Winter-resistant furniture in the front and backyard

Create a welcoming first impression by staging your front porch with durable furniture and winter-resistant blankets and rugs. Warm lighting provided by lanterns that can withstand the cold will also add to the charm. The backyard is just as important, so be sure to shovel patios and decks, and set it up in a way that highlights how the space can be used year-round.

Cleaning the front entrance

This is technically an inside task, but it does involve elements from the outdoors. Salt, dirt, and snow all get tracked into your front entrance in the winter months, which isn’t visually appealing to potential buyers. You only get one chance at a first impression! Clean up any salt and dirt from your front entrance, and keep coats, mittens, boots, etc. in a closet so there’s no clutter when people come in.

Highlight the cozy indoor appeal

Create a warm and inviting space

“Selling in the winter months gives home sellers an opportunity to create a very welcoming, cozy vibe to their space,” van den Broek explains. “Staging works, and winter is certainly a time to get creative. Ensure the home is at a comfortable temperature, and if there’s a fireplace, make sure it’s turned on, or lit if it’s wood. We always use candles at our open houses in the winter time, nicely scented like gingerbread, baking, apples, or pine.”

“Having a tray of treats always makes buyers feel at home, and if it’s closer to the holidays some decorated cookies or candy canes for kids. The more your house feels like a home, the more a buyer will start to feel AT home!”

Did you know the World Health Organization recommends a range of 20 C to 22 C as the ideal temperature in your home to maintain overall good health and wellbeing? Aim for this temperature during an open house to keep things comfortable. No need to go too warm—people will likely be wearing jackets!

Round off any essential renovations

Be proactive with ensuring cosmetic renovations such as chipped paint and drafty windows are complete prior to listing your home. For van den Broek there are some common red flags buyers look for when purchasing a home in the winter. These include:

• leaking window seals;
• condensation inside the window panes, which can indicate humidity is too high in the house;
• drafty windows and doors;
• temperature differences in basement rooms;
• no snow on the roof, which could indicate insulation issues in the attic;
• back drafts of a smoky ash smell from a wood-burning fireplace; and
• cracked corners of the foundation which can indicate a structural issue.

Sealing windows to reduce air leaks, adding further insulation where required to prevent drafts, ensuring the weather stripping around your front door has no leaks, checking the insulation levels in your attic, and updating old furnaces can be beneficial upgrades for homeowners and enticing for potential buyers. If possible, consider having your furnace serviced by an HVAC professional to be certain everything is in tip-top shape.

Certain provinces are currently offering rebates to improve your home’s energy efficiency, which could help with the costs of some of these repairs or updates. For example, Enbridge is offering Ontarians “up to $5,000 in rebates for insulation, air sealing, new windows/doors, water heaters, boilers, furnaces, and home energy assessments.” British Columbia has a similar program through BetterHomesBC for up to $6,000. Check with your provincial energy provider to see what’s available to you!

Embrace neutral seasonal décor

If you’re planning festive celebrations, it’s best to avoid flashing lights and large decorations that could shrink the size of your space, as well as overtly religious ornaments.

“For outside it’s nice to have some winter décor welcoming buyers to the property—a simple wreath, flower pots with birch branches and twinkle lights, solar powered walkway lights, and pay attention to overall lighting outside.”

Showcase your home’s versatility

Even when you’ve succeeded in transforming the exterior and interior of your home to be both charming and inviting, if possible, show photos from other seasons in your listing because, the more guesswork you take out of the equation, the more a buyer can make an informed decision they feel comfortable with.

Source: https://www.realtor.ca/blog/selling-your-home-in-the-winter-how-you-can-make-the-most-of-it/29038/1363

First impressions are always important! From handsome new house numbers to charming patio lights, here's how to boost your home's curb appeal—without breaking the bank.

1. Add some lights

Outdoor lighting can make a world of difference when it comes to boosting your home’s curb appeal. Add some solar lights along the front walkway or some low-voltage lights near your front flower bed.

2. Paint the front door

A fresh coat of paint on your front door can give your home a whole new look, and better curbside appeal. Try red for a classic look or a bright orange for something a bit unexpected.

3. Add flower pots

A couple of well-placed flower pots on your doorstep will make for a cheery front entrance. Potted plants offer a much more welcoming environment.

4. Update house numbers

Give your house number a makeover. People look for your address more than you may think as they drive by. Replace your old numbers with an updated metal or wood design to update the curb appeal.

5. Plant shrubs or a tree

A couple of shrubs or a new tree will instantly enhance your curb appeal. Much like potted plants, trees and shrubs will add a welcoming quality to your home.

6. Keep your lawn tidy

One of the easiest ways to maintain curb appeal is to keep your lawn tidy, and that includes the edging around your walkways and flower beds.

7. Attract Some Birds

Humans aren’t the only things you want to find your home attractive. Appeal to a variety of birds to your yard with a birdhouse or bird feeder.

8. Update your mailbox

Give your mailbox an update with a colourful paint job, or replace it entirely with these DIY instructions for building your own mailbox.

9. Add window boxes

Window boxes will bring a splash of colour to the front of your home and add quick curbside appeal. Plant perky pansies or cascading flowers such as petunias. You can even use the boxes to grow herbs.

10. Paint shutters and trim

When was the last time you painted your window shutters? What about your exterior trim? A simple update will add plenty of curb appeal.

11. Hang a wreath

Welcome guests to your home with a wreath. Whether you purchase a wreath or make it yourself, wreaths allow you to change the look of your front entryway as often as you like.

12. Put down new mulch

Mulch is an inexpensive way to tidy up flower beds and shrubs while also reducing evaporation and slowing weed growth. Get a couple bags of mulch to freshen up the area around the front of your home.

13. Install a porch light

Look for a pretty light fixture to hang at the front door. You could also mount a couple light sconces near the entryway.

14. Tidy up hoses

A tangled garden hose is not only frustrating, but it looks messy, too. Nobody wants to see your gardening equipment thrown all over the yard.

15. Update door hardware

Does your door hardware need a makeover? Add curbside appeal by replacing old door knobs and knockers or give it an update with stain or paint.

16. Add some seating

Create a welcoming spot to relax by adding a couple chairs to your front porch or yard.

Source: https://www.readersdigest.ca/home-garden/home-improvement/budget-friendly-curb-appeal/
Photo: pexels.com

If your family home lacks space but you don’t want to move, you’ll be joining thousands of other Canadians who have chosen to renovate their properties. Whether you’re adding an extension, overhauling your kitchen, or knocking down walls to create better flow, you can likely count on one thing: you’re about to embark on an expensive project. Don’t fret if your dreams are bigger than your budget—there are a lot of ways to finance home renovations. While it may be tempting to borrow money, just remember you’ll have to pay that loan back, so be sure to make a plan that factors in the potential of further interest rate increases. Here’s how you can pay for upgrades to your property.

1. Take out a personal loan or borrow from family and friends

Generally, a personal loan carries a lower interest rate than a credit card. You can borrow a lump sum, repaying it over a set period. Typically, you’d pay monthly installments over one to five years, but it all depends on your lender and the terms you agree to. After you’ve repaid the loan, you’ll have to reapply if you want to borrow more money.

Borrowing from family and friends might seem easy, but it can cause stress if you don’t have a detailed and firm repayment plan. It can make it easier to get the money right away with few strings attached, but be aware of the strain it could end up putting on your relationship if both parties have differing opinions on what the repayment plan should look like. Oftentimes, people will put together a sort of “contract” that lays out the repayment terms and takes a lot of the emotion out of borrowing from family.

2. Refinance your mortgage

With a better interest rate than a credit card or personal loan, some homeowners seek to finance their renovations by refinancing the terms of their existing mortgage. This way, you can borrow more money and pay lower monthly installments over a longer term. Refinancing your mortgage means adding more money to the total you have already borrowed from your bank or lender. It has a lower interest rate because your mortgage is secured by the equity in your home.

While it’s fairly easy to qualify for mortgage refinancing, it’s best to do it when your mortgage is up for renewal. Otherwise, you may be charged fees.

3. Open a line of credit

For a long-term renovation project, you can open a personal line of credit through banks or credit unions, which lets you access money as you need it. You only pay interest on the funds you withdraw, and interest rates are lower than on a credit card. You may borrow funds multiple times up to the line of credit’s limit, as long as you keep making regular payments. If you have good credit, you can qualify for a line of credit with your lender.

4. Get a home equity loan

A home equity line of credit (HELOC) offers a flexible, low-interest loan option. Here’s how it works: You can borrow a sum that totals up to 80% of the assessed value of your home when it’s added to what you have left on your mortgage principal. This means if you still owe $250,000 on your $500,000 home, you can qualify for a HELOC of up to $150,000. You’re tapping into your home equity to access funds.

You can use these funds for anything—including renovations—and, as you pay off the HELOC, that credit is replenished. Just be careful not to keep withdrawing money as if it’s a bank account. You can also ask your lender to limit the available funds—just because you can access $150,000, doesn’t mean you should if your renovation project will cost less than the amount available. To get the most competitive interest rate, you may want to work with a mortgage broker. Since HELOCs are tied to your home’s equity, you’ll pay set-up costs and legal fees.

Other ideas

Municipal, provincial and federal governments also offer a range of home renovation tax credits, grants and incentives, allowing you to deduct part of your remodeling expenses from your taxes. There are also rebates available for energy-saving renovations.

Talk to your lender to figure out which financing option is right for you. They can explain how much you can borrow and go over the process to pre-approve your renovation financing. Your REALTOR® may also have recommendations and contacts who can provide insight into your situation. Remember, while remodeling can cost a lot of money, it can boost your property value while also allowing you to better enjoy your home.

Source: https://www.realtor.ca/blog/4-options-for-financing-your-home-renovations/26166/1363
Photo: pexels.com

If you grew up with a brother or sister—or 10—you know how rewarding, comforting, and sometimes frustrating sibling relationships can be. This may be especially true when siblings have to share a bedroom. There are many reasons why a shared room is necessary, be it a limited number of rooms in the home, a child who needs a roommate for comfort, or a family member has moved in with you.

Plato famously stated, “necessity is the mother of invention,” and this situation is no different, as it presents the opportunity to create a delightful space with your kids at minimal cost, and without needing to renovate. Let’s look at some ways to approach setting up a shared bedroom.

Get the kids involved

The best way to ensure your youngins are fully onboard with this transition is to involve them with every step, provided they’re old enough to help. Even if they are unhappy about the change, including them can help overcome any misgivings and get them excited about how their space is going to look.

Set them up for success

The biggest challenge will be dealing with small rooms. For clutter prevention, plan for ample storage options for each child’s toys, books, and craft supplies. Setting the kids up to maintain a tidy room easily will make a big difference. If space is looking really tight, don’t be shy about resorting to under-the-bed storage, or get creative with how you utilize wall space. Tall shelving units (secured to the wall), floating shelves, and strategically placed hooks can all help keep their space tidy.

Sibling rivalry

If siblings with differing interests share a bedroom, give them a sense of their own territory by dividing the room in half. This is one case where choosing sides is OK! They’ll likely have widely differing décor preferences, so get their input on arrangement and accessories.

Have the kids choose their favourite colours or patterns and then team up to divide the room—they’ll love helping measure, paint, or apply wallpaper. Use different furniture styles and colours for each child to accentuate their uniqueness.

Placing dressers or a bookshelf where the room is divided helps delineate each zone. If you use a bookshelf for this, make sure to separate their books accordingly. Get the children to choose cushiony throw rugs to go next to their beds for a soft landing on chilly mornings.

Privacy can be a concern, so a bed tent or canopy can accomplish this for sleep, while a simple room divider in a corner can provide ample privacy for getting dressed.

Alternatively, put their beds close together in the middle of the room so they each have a dedicated space on opposite sides. Placing a night stand with their choice of lamp next to each bed allows quick access to a light when needed.

Siblings of the same or similar age

With twins, or children born only a few years apart, separating the space may not be as difficult, as their interests will very likely overlap in areas. This provides an opportunity to blend their shared and individual interests together for a bedroom bursting with personality.

Bunk beds are an excellent space-saver, especially for small rooms. Make sure your children are over the age of six, for safety purposes, though you can keep some bunks separated on the floor until the kids are old enough to stack them.

Decals related to their favourite movies, shows, and games are a perfect way to make the walls pop. Since they can be removed easily, you can update them as their interests change, keeping the décor fresh.

The wall across from a bunk makes a prime spot for artwork, while shelves above the dressers provide ideal display potential for books, models, or various forest walk discoveries.

Older and younger siblings

This can be the trickiest scenario, especially when your older child is a tween or teen. The younger brother or sister will most likely be thrilled at the prospect, given how much they look up to their senior counterpart, but the excitement may not be shared.

You’ll want to approach this one in a similar fashion as the siblings with differing interests scenario. Take this one step further by getting your older child to help develop and execute a plan to create a space they love—a wonderful DIY opportunity.

Consider a loft bed, or building a mini-loft so your tween or teen can have both a comfy space to sleep, and a private nook for homework or gaming.

It’s also advisable to place the younger sibling’s bed closest to the door as they usually wake earlier in the morning and can vacate the room without disturbing their older sister or brother too much.

Note: Double-up on the loft bed and desk option if you have two pre-teen or teenage children of similar age!

The baby of the house

If you wait a few years between children, there’s a good chance you’ll find yourself with a school-age child needing to share with a baby sibling. This is a huge adjustment for them, and they’ll feel most included if they get to help with selecting décor for both their younger protégé’s portion of the room and their own, while also getting to assist with putting it all together.

No matter the age difference between your children, a shared kids room means opportunities to play and create together, building strong bonds—after all, they’ll be siblings for life.

While this kind of change can be difficult to accept for some children, it’s a great opportunity for the whole family to get involved with a fun project. Just be patient, don’t sweat the small stuff, and most of all, enjoy the journey.

Source: https://www.creacafe.ca/making-the-most-of-your-kids-shared-bedroom/
Photo: pexels.com

Nothing embodies summertime in Canada more than hanging out on your deck, grilling, sipping cold drinks, and making memories with family and friends.

Like other areas of your home, your deck does need to be cared for regularly to ensure it lasts long enough to keep the good times rolling season after season. Keeping your deck in tip-top condition is another way to maintain curb appeal—just ask a REALTOR®!

In addition to keeping your deck free from dirt and debris, you should consider painting or staining it. The added layer of product protects your deck from moisture, mould, bugs, sun, and other harsh elements. Changing the colour of the wood is also an easy way to revitalize your deck without a total overhaul.

Let’s look at how you can paint or stain on your own (or with some friends!) and end up with a new look you’ll love for the entire summer.

Painting versus staining

Not all decks are made equal. You’ll need to brush up on your knowledge of wood boards, paints, and stains to make sure your deck refurbishing or rebuilding project is a success.

“Making a choice between paint and stain isn’t just a matter of preference. Many factors, including wood type, weather, foot traffic, budget, and style come into play,” says Emmett Wallace, owner of Dub’s Construction, which specializes in indoor and outdoor home renovations.

Below are four key steps to guide your summer deck revival project.

Step 1: Confirm the material

Before you decide between paint or stain, you should determine what material your deck is made from as not all materials can be painted or stained.

Wood types

Cedar, redwood pine, and treated lumber are the most common materials for decks. These woods take paint and stain well, and they are resistant to rot. Cedar and redwood are pricier than their counterparts, so consider using stain on them if you want to maintain the visual integrity of the wood. Painting treated lumber is a more affordable option with more colour choices.

Non-wood types

Vinyl, IPE, composite, and recycled plastic decks are gaining in popularity. These non-wood materials are easy to maintain and come in several colours—though they can often carry a heftier price tag than wood. The con? They don’t accept stain or paint. If you’re unsure about your deck’s material, call in a professional to help.

Step 2: Make a choice

Once you’ve confirmed your deck can, in fact, be painted or stained, it’s time to consider the pros and cons of each product.

Paint pros

• Best for decks that don’t get a lot of foot traffic, especially since paint can be slippery
• Hides the wood grain and imperfections
• Comes in a variety of colours and finishes
• Easy to maintain and keep clean
• Can last 10 years or longer
• More resistant to fading caused by heat and ultraviolet (UV) rays

Paint cons

• Requires more prep, including layers of preservative and primer
• Takes longer to cover entire deck
• Thicker consistency is more likely to blot
• Difficult to change from paint to stain
• Must be coated with a clear sealer

Stain pros

• Great for decks that receive lots of foot traffic
• More budget-friendly per gallon
• Gives a natural look and enhances the wood grain
• Easy to apply
• Can be easily painted over
• Lighter consistency applies evenly and is less likely to blot
• Available in two-in-one stain and stealer formula
• Can last up to eight years

Stain cons

• More prone to fading caused by heat and UV rays
• Colour options are limited
• More difficult to maintain and keep clean

Step 3: Select a product

By now, you should know what your deck needs, and all that remains is to purchase the paint or stain. In terms of cost, one 3.7-litre can of deck stain or paint can range from $16 to $66, depending on the brand, transparency, and retailer. For a deck about 550 square feet in size, you’ll need approximately two cans to complete the job.

Let’s explore the different types of products you’ll encounter at the hardware store.

Paint types

If you opt for paint based on your wood type and maintenance needs, you should consider a product formulated for outdoor use. This type of paint will usually contain UV protectants and other additives to protect the surface long term. Pick an oil-based paint best suited for floors. Oil paint protects the deck from moisture and has a longer lifespan than water-based paint.

Be sure to grab a preservative and primer to protect the wood, and that you have a smooth base to paint over. You’ll also need a polyurethane sealer to keep the paint intact.

Stain types

Stains come in a range of pigments, from transparent to opaque. The higher the opacity, the more durable the stain. High-pigment stains provide protection from moisture and UV damage. Many stain brands are formulated with preservatives, so you don’t need additional primer. You may require a clear sealer, but opting for a two-in-one product can save you that final step.

Once you’ve landed on a stain or paint to use, you’ll also need to gather:

• bristle brushes;
• rollers;
• a roller tray;
• a stain pad;
• a bucket;
• stirring sticks; and
• cloths (for cleanup)

Step 4: Do the prep

You’re all set on the product front, but the real work starts now. Staining or painting your deck requires a bit of prep to make the application easier. You don’t want to rush the cleaning, sanding and priming phase of this work because it’s what helps the paint or stain go on smoothly and stay there

“Don’t forget to check the forecast for the week,” advises Wallace. “Always be sure to pick a clear day with low humidity and no chance of rain because moisture is your enemy.”

You should only paint or stain your deck when the moisture level is low. The general rule of thumb is that wood surfaces should have no more than 15% moisture. A great way to test your deck’s moisture level is by pouring a bit of water onto the wood. If it beads up, the wood is too wet to paint or stain. If the water is easily absorbed, you’re good to go. Be sure to wait for days when the humidity outdoors is between 40% and 70%—any higher could affect drying quality and time. As far as primers are concerned, use a shellac-based formula if working with paint. You can skip this step when using stain.

If your deck has surface cracks and other easy-to-fix imperfections, you can fill them with an exterior-grade wood filler before you sand the surface in the direction of the wood grain. If your deck needs more serious repairs, you should schedule an assessment with a professional.

Once you begin to apply the paint or stain, give each coat a few hours to dry. How quickly the coats dry depends on the temperature outside and the size of your deck. In a nutshell, give yourself two to three days to get the job done.

While these tips are for anyone looking to update their deck, they can also be applied to new decks that haven’t been painted or stained. Just keep in mind if you’ve recently installed pressure treated boards “you should wait six months to a year before staining or painting it,” says Wallace. “This is because this type of material is typically installed soaking wet.”

There’s quite a lot of effort that goes into upgrading your deck’s appearance, but it’s a project that’ll leave you feeling accomplished. Add to this all of the warm, sunny days you’ll get to enjoy from your very own backyard oasis and you’ve got a summertime DIY activity that’s hard to resist.

Source: https://www.realtor.ca/blog/painting-or-staining-your-guide-to-deck-revitalization/26128/1367
Photo: pexels.com

During those beautiful summer nights, it doesn’t matter where you are in Canada, you want to be outside. It’s natural, and let’s face it, the past few years have driven many to upgrade their own backyard retreats, so you’ve got a good reason to be out and about in your own space.

Upcycling and repurpose trends show no sign of abating, and we’ve already seen signs of the backyard undergoing radical redesigns, adding features like pizza ovens, outdoor kitchens, and bars. Why not extend that idea and bring your home theatre outside? What says summer better than a drive-in (or walk-in) movie night? In the spirit of the popular staycation trend, let’s look at how you can set up a backyard movie night.

The scale is up to you. It can be as simple as moving a TV onto a balcony or as elaborate as a dedicated outdoor cinema with surround sound and your own version of a concession stand. Be mindful of your surroundings, of course, since the light and sound could impact your neighbours. You may be able to land in their good books, though, with VIP invitations to opening night!

The basics

As with any backyard project, a little planning keeps your outdoor theatre on track. To show your film, you must address four main technical aspects:

• projection;
• screen;
• sound; and
• streaming or viewing devices.

Moving a flat-screen television to your cinema site solves the first three aspects easily. Your TV handles everything. If you have a smart TV, a streaming service, and your wi-fi signal reaches your outdoor screen, then it’s all taken care of except for the popcorn and seating.

That’s great for an improvised Saturday night showing, but this is your taste of Hollywood at home! Going big makes your movie a special event. A bigger setup may also be a launch pad for weekly events through the summer months. Let’s look at each of your tech needs.

Projection

From cheaper hundred-dollar options to thousand-dollar light cannons, there are plenty of projectors to fit all budgets. Your projector is likely the biggest budget item for your theatre, but you do have options. Check with audio-visual services in your area or try an online search for video projector rentals to manage costs. In terms of quality, you’ll want to look for a projector with between 2,000 and 2,500 lumens.

Don’t forget to scope out your electrical requirements, too. Make sure you have suitable access to power or extension cords that can handle the power needed.

Screen

Your theatre could be equipped with a white bed sheet pulled as flat as you can make it, but you’ll get better results with a purpose-made projection screen. These are usually crease resistant, so you’ll have a flatter surface, and their reflectivity is higher than your average bed sheet, enhancing the visual experience. Screens of various sizes are surprisingly affordable.

If you have a large, flat surface, perhaps the rear wall of a garage or the side of a shed, hang a piece of plywood that’s been treated with projector screen paint. That’s right, screen paints are a specialty product that makes it much easier to create a permanent theatre. It may be the answer if you plan to start a summer movie club!

Sound

Wireless Bluetooth systems are perhaps the most versatile way to go unless you already have a suitable outdoor speaker system. The key to a good sound presentation is balance, particularly if your theatre is in a tight suburban neighbourhood. You want a volume that’s loud enough to overcome traffic and environment noise, but not so loud as to disturb others. Remember, too, that long summer days mean your movie night may have a late start after sundown.

Streaming and viewing devices

Your options here may depend on the capabilities of your projector. Some pair easily to smartphones and laptops, so all your streaming options are still accessible. Many projectors also accept video connections from DVD and Blu-ray players. You might even want to dust off the VCR for one last viewing of those VHS tapes in the basement.

Seating

If your audience is comfortable on a blanket on the lawn, then seating is easy. Otherwise, it’s time to gather camp chairs, patio sets, or whatever you can rummage that will be comfortable over the course of your viewing event.

Another fun option if you have a pool is setting giant floaties and watching from the water. This is perfect for really hot summer nights, although it may make snacking a little difficult.

If you’re hosting the event for kids, you could set up a “drive-in” movie with cardboard “cars” for each child to sit in, complete with blankets and individual snacks inside. Plus, it helps keep everybody settled for the whole movie.

Food and drink

Food and beverages are perhaps the most fun to plan. Depending on who’s enjoying the movie, you can cater specifically to their tastes. For kids (or the more traditional movie watchers among us), popcorn, candy, soft drinks, juice, and even things like warm pretzels can be perfect. Set up a small table in the yard with everyone’s favourites and let people help themselves. Or, pre-pack snacks into little baggies or boxes so each person can grab one on the way to their seat.

If you’re planning an adults-only night, you can up the ante with more appetizer-style foods and cocktails. You’ll want to make sure you have plenty of coolers and ice nearby, as well as a full selection of drinks for your guests.

No matter who’s coming over, easy-to-find garbage and recycling receptacles are a must. This will help expedite cleanup later on and prevent garbage from finding its way onto your lawn.

Bits and bobs

If your yard has unwelcome guests in the form of flying and biting insects, don’t forget bug repellent (sprays, candles, or other devices) and covers for any food items that will be hanging around.

Summer nights can cool down quickly, too, so watch the forecast. Have blankets or sweaters at the ready in case a chill sets in. You can also extend movie season into the fall with propane area heaters.

It may also be fun for the kiddos to have a full “camping” experience outdoors. Consider setting up tents and sleeping bags so the outdoor fun doesn’t have to end when the credits roll.

If the availability of streamed content has made indoor movie night ho-hum, invest in your backyard cinema and have another reason to anticipate the return of summer each year.

Source: https://www.realtor.ca/blog/setting-up-a-backyard-movie-night/26146/1367
Photo: pexels.com