Now Renting at Yonge & 401
Enjoy our newly renovated spacious suites
GREAT LOCATION
• Close to GO station, QEW, Hwy 403, Hwy 407
• Just minutes from Joseph Brant Hospital, Spencer Smith Park, Mapleview Mall, restaurants, grocery stores and dry cleaners
WELCOME HOME
• Individually controlled heating and air conditioning
• Spacious living areas with wall-to-wall windows
• Private balconies with breathtaking views of the lake, the escarpment and the city
CONVENIENT FACILITIES
• Outdoor sun deck, tennis courts and playground
• Indoor heated pool, sauna and fitness centre
• Mail room located in the lobby
• BBQ area
SUPERIOR SECURITY
• Magnetic-controlled entrance and exit from underground parking
• Security escort service available
• On-site superintendent & maintenance personnel
PINEDALE PROPERTIES – 14, 16 & 20 Carluke Crescent: Discover great value close to highways, supermarkets, shopping, schools and healthcare.
GROUP SALES MANAGER Randi Segal randi.segal@mediaclassified.ca
MANAGER CUSTOMER SALES & SERVICE
Marilyn Watling marilyn@mediaclassified.ca
PRESIDENT & PUBLISHER Leo Racioppo leo@mediaclassified.ca
CHIEF OPERATING OFFICER
John Racioppo john@mediaclassified.ca
ACCOUNTING INQUIRIES accountingteam@mediaclassified.ca
CIRCULATION INQUIRIES distributionteam@mediaclassified.ca
EDITOR Amanda Pereira
DIRECTOR OF PRINT MEDIA
Lauren Reid-Sachs
GRAPHIC DESIGNER & PRE-PRESS COORDINATOR
Hannah Yarkony
GRAPHIC DESIGNER Yvonne Poon
All submissions from interested parties will be considered. Please submit to the editor at editorial@mediaclassified.ca
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Applewood Cres., Suite 103 Vaughan, ON L4K 0E3
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3 AI-powered
to watch out for scams
One of the biggest transformations artificial intelligence (AI) is driving is in the area of fraud. AI lets fraudsters impersonate more easily, personalize their scams and move faster than ever before. According to Mastercard, here are three scams where it’s playing a major role, and ways to keep yourself safe.
the grandparent scam:
This is a good example of how fraudsters can use AI to personalize their scams like never before. Fraudsters will target seniors with a phone call when they’re off-guard or vulnerable. Using AI they will alter their voice to sound like a family member in distress who needs money right away.
Calls like this are meant to play on your emotions, so listen to your instincts. Ask yourself: Why would money be what they need, instead of help in some other way? If you are unsure, call them back using the number you have for them. Also, consider having a “secret word” that only family members know, to help verify identity.
the fake order:
This is a type of phishing scam, where fraudsters send a message designed to look like it’s coming from a legitimate source, in order to get sensitive information or login
credentials from you. A common version is sending a fake invoice or confirmation for an online order.
Treat any unexpected messages like this with suspicion. Fraudsters often pose as businesses you trust. Never click on links or use any contact information from this type of message. Reach out to the business yourself through the phone number or contact form on the company’s website. They’re victims of the scam, too, and can work with you to get to the truth.
authorized push payment (APP) fraud:
AI tools can let fraudsters ask you for legitimate-seeming fast payments that often go through before your financial institution can react. They usually focus on impersonating quick but necessary payments, such as Canada Revenue Agency back taxes, bank overdraft fees or credit card bills. Thanks to the speed of AI, all it takes is a moment’s lapse in attention for someone to send
what could be an irreversible payment. But, AI is also being used to strengthen fraud prevention. Payment providers, like Mastercard, have developed tools that work in the background while you complete a purchase. These systems are designed detect this type of fraud automatically, in real-time and stop the fraudulent transaction in its tracks.
It’s up to all of us to be more cyber safe – better cybersecurity makes for a safer community. ■
— News Canada
• Safe, secure and wheel chair accessible building
• Fridge and stove
• Freshly painted suites
• On-site laundry
• Walking distance to subways, schools, clinics, banks, etc
• Grocery stores and TTC bus stop in front of the building
• One major intersection north of Bloor St.
• Secure E-Bike room in the garage
• Secure building with access control
• Surveillance cameras on each floor
• 24 hr security
• Located in the heart of midtown Toronto
• Minutes from the Cosmopolitan Downtown Core of Toronto & Dufferin Mall
Carlton
Court Indoor Parking
& YONGE • Clearance height is 6 feet, 5 Inches / 1.96 metres • Underground parking spots for monthly rent • Fob access • On-site security and management • Close to College Subway Station
Available
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what to know before renewing your mortgage
Becoming a homeowner can be equal parts empowering and daunting. It comes with increased independence and the opportunity to build equity, as well as responsibility for the property and managing your mortgage.
Even though a mortgage might have a 25 or 30 year total term, you’ll still need to make decisions on it periodically. That’s because your contract lasts for a shorter term, that can range from a few months to five years, or longer, before it has to be renewed. Renewal is also an opportunity to review your mortgage needs and make sure you have the right product for you.
To help you find the right mortgage, consider if:
• Your budget has room for increasing your payments to pay off your
mortgage sooner, which helps save on interest.
• You’re likely to make additional payments.
• You’re satisfied with the services offered by your current lender. You don’t have to renew your mortgage with the same lender. If you find an option that better suits your needs, you can switch. Start shopping around with various lenders and brokers a few months before the end of your term, to know what they offer. If you’re considering switching, make sure you find out about any fees or costs that come with going elsewhere.
If you decide to keep your current lender, you may want to renegotiate a new interest rate. Tell them about any offers you’ve received from other financial institutions or mortgage brokers—your lender may ask
for proof, so make sure you have the information on hand.
If interest rates are lower than they were at the start of your term, it could be a good opportunity to switch to a fixed rate. Locking in your payments at a lower rate can save you a lot of money in the long run.
Banks are required to offer products that are appropriate for you, so take the time to accurately describe your financial situation. Don’t hesitate to ask questions, and make sure you understand the mortgage you want.
The Financial Consumer Agency of Canada has more information, tools and resources to help you make informed financial decisions when it comes time to renew. Learn more at canada.ca/housing. ■
— News Canada
• Air conditioning • On-site security and management • Indoor garage
• Indoor Commercial Parking Available to Non-Residents
• Indoor Swimming Pool and Fitness Room shared with Holiday Inn
• On-site laundry • Mini-Mart
• Restaurant
• Travel Agency
• Close to College Subway Station
• Short walk to Ryerson University and Eaton Centre
• Steps to the Maple Leaf Gardens Loblaws and much more
400 LYLE STREET, LONDON, ONTARIO
These 1, 2 and 3 bedroom suites (many with den options) offer many of the luxuries of condo living, but at rental prices. Not only that, everyday conveniences, green spaces, funky coffee houses, London Transit, Budweiser Gardens and more, are practically outside your door.
BUILDING AMENITIES
• Security/Concierge
• 24-hour fitness centre
• Party room available
• Study lounge/library
• 24-hour ground floor laundry
• Secured underground parking
• Secured bike storage room
• Security cameras throughout
• On-site Super & Management Office
561 SHERBOURNE, TORONTO, ONTARIO
• Floor to Ceiling Windows
• Stainless Appliances
• Quartz Countertops
• Fitness Centre with Yoga Studio
• Concierge
• Theatre Room
• Games Room
• Party Room
Rental Office 561 Sherbourne St. hours Mon – Thurs 11am–7pm Fri, Sat & Sun 10am – 4pm
Mpro packing tips
BY CHUCK RESNICK
any people faced with moving between apartment rentals think packing is easy – a few boxes from the grocery or liquor store, some newspaper, a roll of tape and voila! On the contrary. If you value your personal belongings, and want them to arrive at your next home in good shape, packing involves much more consideration. This is especially true if you tend to be a bit disorganized, at the best of times. Even if you pride yourself on being a stickler for details, you may benefit from a few tips on efficient packing.
The number-one thing to remember is to start packing several weeks ahead of your move-out and more-in date. Done well, this process is amazingly time consuming, and packing in a hurry is usually counterproductive. Take your time to think everything through, and start with the items that are not critical to unpack right away. Avoid the overwhelming nature of leaving things to the last minute.
Get some decent packing materials. Make sure boxes are sturdy so they will not collapse under the strain. Consider buying boxes from your mover. Rather than using newsprint, which tends to smudge everything it touches, purchase proper allwhite newsprint packing paper. At the other end, you can smooth it out for reuse, or save it for the kids for drawing and painting. This paper is substantial and will protect your items while keeping them clean. The last thing you need at your destination residence is to have to wash dishes before arranging them in your cupboards. And speaking of
dishes, did you know that packing them on their edges rather than flat can help to prevent breakage? Professional movers usually sell packing materials including boxes that are sized to stack neatly. This saves a lot of headaches on moving day.
One of the biggest mistakes do-ityourselfer movers make is to overpack. If you have ever tried to lift a huge carton filled with books, you know exactly what I mean. At Two Men and A Truck® Canada, we have a simple rule of thumb: the heavier the item, the smaller the box. Another great tip is to wrap small items like knickknacks in coloured tissue paper before surrounding them with packing paper so that you don’t accidentally throw them out when unpacking. Trust me, it’s easy to do with little things. Overpacking also applies to cramming too much into one box. Remember that as carefully as you pack them, items can shift in transit.
Make your kids feel important during the move by getting them to pack their own toys and games; the process will also assure them that their belongings are coming with them. You should also be sure to take legal documents, medical records, expensive jewelry and any
other pertinent papers and possessions with you personally. Keep in mind, a professional moving company cannot transport hazardous materials such as flammables. Think carefully before you decide to move potentially dangerous items.
Be sure to label boxes on the top and on the sides to make it easier for whoever is distributing the cartons in your new home. Pack an essentials box of things you will need as soon as you move in and label it accordingly. When it comes to moving a lot of items, a little common sense goes a long way. If packing is not your thing, your mover will give you an estimate to do the packing for you. Leaving it up to the professionals takes a lot of the worry out of packing. ■
Chuck Resnick is vice-president, marketing and operations at Two Men and A Truck – Canada®
GREAT LOCATION
•
• Just minutes from Joseph Brant Hospital, Spencer Smith Park, Mapleview Mall, restaurants, grocery stores and dry cleaners
WELCOME HOME
• Individually controlled heating and air conditioning
•
• Private balconies with breathtaking views of the lake, the escarpment and the city
CONVENIENT FACILITIES
• Outdoor sun deck, tennis courts and playground
• Indoor heated pool, sauna and fitness centre
• Mail room located in the lobby
• BBQ area
SUPERIOR SECURITY
• Magnetic-controlled entrance and exit from underground parking
• Security escort service available
• On-site superintendent & maintenance personnel
SATURDAYS NOVEMBER 8 & NOVEMBER 22 10AM-3PM
1 BEDROOM FROM $1499* 2 BEDROOM FROM $1699*
*Hydro Extra
MONTREAL
home!Next
WHY RENT WITH US?
• We have an ideal home for every taste, style and budget.
• Communities close to schools, transit, retail, parks and everything in between.
• A caring, professional, onsite management team
• Resident convenience with our online resident portal