Calgary New Condo Guide - Apr 1, 2016

APRIL 1 - 29, 2016 VOLUME 19, ISSUE 4, FREE

CALGARY EDITION

INSIDE THIS ISSUE

CONDO NOTE THAT INSURANCE: THIS CALLOUT IS ALWAYS ARE YOUYPNH COVERED? GREY IN COLOUR

TAKING AND ADVANTAGE THAT THE BAR OF IS ALWAYS LOW WHITE MORTGAGE ON BOTTOM RATES OF PAGE

CONDO HITBUILDERS SHIFT F7 TOP AND DISTRIBUTE SAM AWARDS SPACING FINALISTS AT 0.2074 INCHES

BUILDING 5 IMMEDIATE POSSESSIONS

2 & 3 BEDROOM TOWNHOMES WALK OUT SUITES NEXT TO A PARK & POND DOUBLE ATTACHED GARAGE LOTS OF AMENITIES SHAGANAPPI TR & 128 AVE NW

FROM THE

$300’s*

BOLD. MODERN. STYLISH.

EXECUTIVE 2 & 3 BEDROOM TOWNHOMES IN CRESCENT HEIGHTS 1510 CENTRE A ST NE

*GST NOT INCLUDED

it’s what’s inside

FROM THE

$500’s*

LandmarkHomes.ca

COME HOME TO THE GUARDIAN Residents are making The Guardian home and transforming the Victoria Park neighbourhood.

1-BEDROOMS

starting at $278,900

2-BEDROOMS

starting at $445,900

PARAMOUNT SUITES

Developed by Hon Developments.

Prices subject to change without notice. E&EO.

starting at $1.4 million

PRESENTATION CENTRE 456 -12TH Avenue SE TEL 403 800 3368 Mon – Thurs 12 – 6PM Sat & Sun 12 – 5PM

contents APRIL 1 - 29, 2016 | VOLUME 19 ISSUE 4

12

ON THE COVER

Bucci Developments + online NEIGHBOURHOOD

HOME SEARCH

property profiles MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

MAPS

16

Birchwood Properties

Construction begins at Ezra on Riley Park in Kensington

trending

22 Green Living

WITH

DYNAMIC

Kensington – amazing location and style

LOOK FOR THE CIRCLE

8 easy ways to Green your condo

33

SAM Awards

Finalists for the 2015 SAM Awards are announced

50 Cardel Lifestyles

named one of Canada’s Best Managed Companies

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES

Moe Lalani SENIOR SALES MANAGER, ALBERTA

Shelley Balla EDITOR

Wayne Karl Lydia McNutt (on leave) ART DIRECTOR

Daiana Garay CONTRIBUTING EDITORS

Elisa Krovblit Sara Duck (on leave)

16

DESIGN EDITOR

Yanic Simard MEDIA CONSULTANT

Natalie Houghton 587.226.1313 Like us on Facebook: search: CalgaryNewCondoGuide PRODUCTION MANAGER

Bala Gnanapandithan PRODUCTION CO-ORDINATOR

Greg Van Sluytman GRAPHIC DESIGNER

Miguel Cea

2891 Sunridge Way N.E. Calgary, AB T1Y 7K7 ypnexthome.ca

30 advice

what’s online

18

57

Calgaryism

10 things new-home owners can do to save money

Trending now

More stories, videos and photos

By Cody Battershill

24 Contemplating Condominiums

Cheap insurance – condo building is already insured

By Linda Palfi

46 Mortgage Advice

Taking advantage of low interest rates

By Alyssa Richard

in every issue

10

Editors’ Note

30 Neighbourhood profile Mission & Cliff-Bungalow

58 Advertiser Index district maps

15

Inner City

21

Northwest Map

29

Southwest Map

inspiration

41

Southeast Map

51

49 Satellite Communities

54 Money Matters

How to be debt-free forever!

By Gail Vaz-Oxlade

The Midas Touch

Move over chrome, we’re going into the golden age

53

Northeast Map

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Cody B

Editors' Notes

MISSION & CLIFF-BUNGALOW

SUSAN LEGGE Editor-in-Chief / Director of Content Yellow Pages NextHome Email: Susan.Legge@ypnexthome.ca Twitter: @SusanLegge

MORE PHOTOS ONLINE ypnexthome.ca/mission-cliff-bungalow

Smaller households, smaller homes Canadian households are shrinking, according to Stats Canada.

Seven decades ago, the average household consisted of 4.3 people, by 2011, the average size had dropped to 2.5 people per household, albeit, there’s plenty more of us to house.

While the majority of Canadian homes built over the last century were created to support larger households, traditionally comprised of two parents with children, nowadays one or two people make up the majority of households, which is why apartment and condo living, in urban areas in particular, has become

increasingly popular.

The impact of smaller families on the Canadian housing market has been significant, spurring a dramatic change. The introduction of more rental properties and housing options of all shapes and sizes is effectively servicing smaller households who need affordable options. While larger dwellings are still a need, the next time you see another crane in the air keep this new demographic dynamic in mind. While Canada continues to grow, new housing needs will continue to reshape the cities and homes we live in.

Welcome to spring – finally

WAYNE KARL Senior Editor

Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

+ get social 10 YPNEXTHOME.CA

Spring is finally here – no, it really is – a period in the real estate industry normally associated with busy season.

It’s that time of year when, after what’s turned out to be a pretty mild winter, many Canadians emerge from hibernation and want to get out and search for a new home.

Builders, too, often use this period to launch new developments, and add incentives to entice buyers into snapping up remaining inventory in existing communities.

Spring this year in Calgary comes with the additional market

characteristics that may be a little more challenging than other parts of Canada.

Still, combine these developments with what are expected to be continuing low interest rates, and you have a pretty welcoming environment to begin your home search.

And if it takes a little longer than the spring season, as the Alberta and Calgary economies regain lost momentum, take your time – homebuying opportunities will likely still be there later in 2016.

Interact with us on social media: ypnexthome

Property Profile | BUCCI DEVELOPMENTS

cover story

Bucci’s Kensington offers amazing location and style NESTLED IN THE HEART OF ONE of

Calgary’s most vibrant and soughtafter communities, Kensington is proving popular with buyers who love the location, its distinctive styling and exceptional features.

Crafted by Bucci Developments and named for the community it resides in, Kensington is a six-storey, boutique-style condo development under construction on the former Carpenter’s Union hall site where 10th Street and 2nd Avenue meet.

“Buyers are really excited about Kensington because this is such an amazing location,” says Chelsey Marshall, sales and marketing manager.

Surrounded by some of the best parks and trails in the city, Kensington has incredible accessibility to transit (right across from the Sunnyside C-Train station), the U of C, SAIT, downtown and major arteries such as Memorial Drive, 16th Avenue and Deerfoot Trail. It is also within walking distance to the RiverWalk,

Riley Park, a Safeway and a large variety of trendy restaurants, shops and services.

“The building itself has come together seamlessly,” she says. “Kensington provides a unique opportunity for purchasers to move into a brand new building without the wait, as the building will be ready to move into this fall.”

Kensington is a concrete building with just 77 suites, and 19 homes are still available in a number of spacious plans including a one-bedroom and flex, sized from 634 to 670 sq. ft., a two-bedroom plus den at 1,080 sq. ft., and a twobedroom plus office live/work plan at 1,042 sq. ft. Prices

APRIL 1-29, 2016 | NEW CONDO GUIDE 11

start at $389,900.

Condo living offers a low maintenance lifestyle, and a number of owners appreciate that utilities are included in their condo fees (except electricity). Also, with an additional 8,000 sq. ft. of street level commercial space, the building offers residents neighbourhood conveniences at their doorstep.

“Homes in Hillhurst/Sunnyside are amongst the most sought-after properties in the City of Calgary,” says vice-president Mike Bucci.

“The neighbourhood offers history and vibrancy directly adjacent to

12 YPNEXTHOME.CA

all that Calgary has to offer and Kensington was built to complement this engaging urban lifestyle.

“Expansive glass, HEPA-filtered air-conditioning, Built Green® construction, durable concrete and sophisticated interior styling all provide an attractive home base from which you can explore the community.”

Homes at Kensington are spacious and refined, with clean lines and neutral tones. All floorplans are openconcept with plenty of storage, thoughtful details and contemporary features throughout including USB ports in select outlets, nine-ft.+ ceilings, in-suite laundry with front-load washer and dryer, spacious decks with gas line hook-ups and generous storage space – a Bucci standard.

“Our company believes that kitchens are the heart of a comfortable home and the floor plans reflect this,” Bucci adds. Spacious U-shaped layouts finished with Bosch

gas cooktops, convection wall ovens and ample-sized fridges will welcome any chef. Quartz countertops, designer tile backsplashes and LED lighting are perfect for entertaining; and cabinetry with custom wine rack and an innovative, space-saving Magic Corner storage device are fabulous touches.

The building also features underground heated parking and storage lockers.

Kensington’s exterior will complement and elevate 10th Street with a modern, but warm facade. And, in a nod to the Carpenter’s Union, Kensington breaks from contemporary architecture with extensive use of wood accents and warm lighting.

“Kensington appeals to a mature buyer, who understands just how important location is when it comes to purchasing a home,” Marshall says. “This is so integral to your

investment, both in terms of real estate and lifestyle, and Kensington is unparalleled in what it offers for both.”

For more information on Kensington, visit Bucci’s sales centre and showsuite (Metro Element in Kensington has given it a Spring Design-Refresh) at 200-301 10th St. N.W., above the Mid Town restaurant on the second floor, open noon to 6 p.m. every day except Friday, call 403.262.2260, or visit bucci.com/kensington

APRIL 1-29, 2016 | NEW CONDO GUIDE 13

6 AVE N

GREYHOUND BUS TERMINAL

VISIT OUR PRESENTATION CENTRE

The Developer reserves the right to make changes and modifications to maintain the high standards of these homes. Square footage and measurements are approximate. E&OE.

23 AVE S

26 AVE S

LIMITED INNER CITY

2 BED • 2 BATH HOMES UNDER $395k

403.225.0023

INNER CITY 12 KENSINGTON

BY BUCCI 301 10th St. NW

RILEY PARK

24

6 AVE N

5 AVE N

13 FIRST

BY FRAM + SLOKKER

3

VE 4A

VE 2A

N

SUNNYSIDE 20 STATION

East Village Experience Centre 553 Riverfront Ave. SE

ROTARY PARK

PRINCE’S ISLAND PARK

21

14 AVLI ON ATLANTIC

BY RED MANAGEMENT

12

1220 9th Ave.

EAU CLAIRE04 MARKET

24

25

16

15 SCOLLEN HOUSE BY 320 MISSION DEVELOPMENTS

01

Corner of 25th & 3rd St. SW

4 AVE S

06

16 STEPS BRIDGELAND

BY GIUSTINI BRIDGES IN.

13 18

5 AVE S 6 AVE S

REYHOUND US TERMINAL

MILLENNIUM PARK

Sales Centre 921 - 1st Ave. NE

19 CONVENTION CENTRE

9 AVE S

17

CITY HALL

26

07

1 ST E

COLONEL BELCHER HOSPITAL MOUNT ROYAL VILLAGE

26 AVE S

08

TALISMAN SPORTS CENTRE

4 ST W

5 ST W

VICTORIA PARK / STAMPEDE STATION

PROSPECT AVE

22

10 ST W

23 AVE S

CLIFF ST

17 AVE S

01 RIVERFRONT POINTE

BY CARLISLE GROUP 325 3rd St. SW www.riverfrontpointe.ca

02 PARK POINT

BY QUALEX-LANDMARK Coming Soon Register now at Qualex.ca/ ParkPoint

03 43 PARK

BY VERICON REAL ESTATE VENTURES 43park.ca

04 WATERFRONT

BY ANTHEM PROPERTIES 216 Riverfront Ave. S.W.

05 THE GUARDIAN

BY HON TOWERS

12th Ave SE at 3rd St.

15 26 AVE S

05

OLYMPIC WY

02

MACLEOD TR

1 ST W

2 ST W

11 AVE S

4 ST W

5 ST W

8 ST W

10 ST W

14

12 AVE S

17 INK

BY BATTISTELLA

FORT CALGARY

622-8 Ave. SE

11

18 EVOLUTION

BY EMBASSY BOSA INC.

East Village Experience Centre 553 Riverfront Ave. SE

19 VERVE

BY FRAM + SLOKKER

Sales Centre Now Open in East Village

CALGARY EXIBITION AND STAMPEDE PARK

20 LIDO

BY BATTISTELLA

ERLTON / STAMPEDE STATION

21 V&V

BY PROVIDENCE GROUP

Sales Centre 1120 Kensington Rd

Register: einsteincalgary.com

23

06 AVENUE

BY GROSVENOR & CRESSEY 1035 5th Ave. SW

07 SMITH

BY GROSVENOR

Visit Sales Centre at 850-16th Ave. SW, 2nd Floor

08 DISTRICT

BY BOULEVARD INVESTMENTS Sales Centre Now Open 305 18th Ave. SW

09 LiFFT

BY VERICON REAL ESTATE VENTURES liveLiFFT.com

10 BRIDGELAND CROSSINGS

BY GABLECRAFT HOMES bridgelandcrossings.ca

11 SOBOW

BY M2I DEVELOPMENTS CORPORATION

22 ALEX

BY ASSURED COMMUNITIES

Presentation Centre: 2719 14th St. SW

23 MISSION 34

BY ASSURED COMMUNITIES

98 Mission Road SW mission34.ca

24 RADIUS

BY BUCCI DEVELOPMENTS Coming soon to Bridgeland www.bucci.com/radius

25 BRIDGELAND HILL

BY GABLECRAFT HOMES 516 Edmonton Tr. NE

26 THE ROYAL

BY EMBASSY BOSA 936 16TH Ave. SW www.theroyallife.ca

1640 17A St.

SEARCH ONLINE ypnexthome.ca

APRIL 1-29, 2016 | NEW CONDO GUIDE 15

Property Profile | BIRCHWOOD PROPERTIES

Construction begins on

Birchwood’s Ezra on Riley Park in Kensington

By Heather Ryan

Location

Kensington Builder

Birchwood Properties Development

Ezra on Riley Park Home Type

Condominiums Sales Centre

#5, 1145 Kensington Cres.

N.W Contact

403.561.1911 ezraonrileypark.com

16 YPNEXTHOME.CA

EXCITEMENT IS IN THE AIR as construction is underway at Ezra on Riley Park – Birchwood Properties’ newest offering in Kensington.

“We are so pleased to announce that construction has officially started,” says Adele Kerr, Birchwood’s sales and marketing manager.

“This excitement has certainly been felt at our presentation centre. With all of the activity onsite, we have been seeing traffic numbers grow to over 30 groups of visitors per week.

People can see now that this project is very real and moving ahead quickly.”

Ezra on Riley Park consists of two, eightstorey towers featuring an exceptional collection of upscale townhomes and apartment-style condos defined by

sophisticated, urban architecture and luxury. It offers two-storey townhomes on the first two levels, condos on levels three to six and two floors of magnificent penthouses.

One of the main reasons Ezra is so appealing is because of its incredible location. Being situated right beside Riley Park, Kerr says. “People really love the location, and of course enjoy the idea of having Riley Park as their backyard – over 20 acres of lush green space and pathways.

“Ezra is also conveniently located between 10th and 14th Street, so you’re only a five-minute walk to

the heart of Kensington where you can enjoy boutiques, restaurants, professional services, the LRT and Safeway,” she adds.

“Ezra is adjacent to the Hillhurst Community Centre that hosts farmers’ markets and other events, plus it’s only a short walk or drive across the river to downtown. While Ezra really has everything you want and need within walking distance, its quiet park side location is set apart from the busy streets and activity.”

Ezra is attracting variety of buyers from professionals – singles and couples – young families, who want to live in a vibrant, well-established community with all the established amenities, and empty-nesters and downsizers who want to move from their larger homes to enjoy a lock and leave lifestyle without compromising on space and luxury.

Ezra’s appeal starts with the stunning exterior, which presents floor-to-ceiling glass windows and glass wrap-around balconies creating a dynamic streetscape. The design emphasizes outdoor space with large patios and balconies – some larger than the suites – to take advantage of the views.

The interiors are fabulous, with engineered hardwood floors, nineft. ceilings, quartz countertops throughout, high-end Fisher and Paykel stainless steel appliances, under-cabinet lighting and glass tile backsplash in the kitchen, insuite laundry and tile floors in the bathrooms. There are also three designer colour palettes to choose from.

A variety of floorplans are available with one-bedrooms ranging from 466 to 590 sq. ft. and two-bedrooms from 747 to 1,496 sq. ft. (The threebedroom suites are sold out in the first tower). Penthouses are 3,000plus sq. ft. and with terraces as large as 6,000 sq. ft.

The townhomes offer two- or three-bedroom layouts with upstairs laundry and a flex room depending on the residence ranging from 1,100 to 1,681 sq. ft. with private entrances

and some walking out to the park.

Prices start from $299,900 plus GST for one-bedrooms and range upwards of $3 million for penthouses.

For more on Ezra on Riley Park, visit the sales centre at #5, 1145 Kensington Cres. N.W., open Monday to Thursday, noon to 7 p.m., and weekends and holidays, noon to 5 p.m., call 403.561.1911 or visit ezraonrileypark.com APRIL 1-29, 2016 | NEW CONDO GUIDE 17

Advice | CALGARYISM

10 things new-home owners should do right away to begin saving money

By Cody Battershill

MORE ADVICE ONLINE ypnexthome.ca/news/advice

DID YOU JUST MOVE INTO a new home? While you’ll definitely have a ton of things to do around the house post move-in, there are some simple tasks you can do that will help reduce energy and maintenance costs.

1. Adjust the hot water tank temperature to about 55 C Most people don’t have the need for water hotter than 55 C. Anything above that can actually be dangerous and it takes more energy to heat up.

change them every three or four months – more often during spring and summer.

A clogged filter not only affects air quality, but also negatively impedes the flow of air through your home – meaning your air handling system has to use more energy to do its job.

2. Buy a water heater blanket Most new water heaters are wellinsulated. It doesn’t cost much to buy a water blanket for the hot water tank; it will improve its efficiency enough for long-term savings.

Make sure you avoid covering the top, bottom, thermostat or burner compartment.

5. Consider installing ceiling fans Ceiling fans are an inexpensive way to keep air circulating through your home. You can get away with keeping the thermostat a degree or two lower in the winter and a degree or two higher during the summer.

3. Wrap exposed water lines with insulation Just like your hot water tank, water pipes also lose heat to the environment.

Wrapping them with a good quality insulation is easy and will save you some cash over the long haul.

This works especially well in cold basements and garages.

4. Change the air filter Check your AC unit and furnace air filter once you move in, as it could be clogged with dust and other airborne grains resulting from construction.

Buy two or three air filters and 18 YPNEXTHOME.CA

6. Buy a clothes rack for the laundry room Hang drying your clothes is one way to guarantee that they stay in tip-top shape for a very long time. It is also a great money-saving method that will reduce your energy bill.

7. Buy CFL or LED lightbulbs Considering that these types of lightbulbs have more longevity and are cost efficient, there is no reason not to buy them.

8. Plant shading trees close to your house Planting deciduous trees on the

western and eastern sides of your home can help reduce heating and cooling costs year round.

During the fall and winter, deciduous trees lose all there leaves allowing more sunlight to hit the side of the home. During spring and summer when the leaves bloom, they act as a shield to sunlight and keep the home cooler. Coniferous trees on the north or south side of your home can also shield it from cold winds.

9. Double-check the attic insulation If your new home has an unfinished attic, check inside with a flashlight to see if there is insulation between beams, and that it is at least a foot thick everywhere you look.

10. Window films If you’re really adamant about saving money, you can always invest in special window films to help prevent heat loss during the winter and heat absorption during the summer.

Cody Battershill is the founder of Calgaryism and a top producing realtor at ReMax House of Real Estate. Born and raised in Calgary, Cody has a passion for helping his clients accomplish their real estate goals and loves to show off the best Calgary has to offer! He can be reached at 403.370.4180, @Calgaryism on Twitter and calgaryism.ca

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NORTHWEST COMMUNITIES

AIL E

NOSE HILL PARK

CENTRE STREET

SARCEE TRAIL

FO OT TR A

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ME M O R I AL

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17 Ave

Sales Centre 1120 Kensington Rd

04 WILLOW AT SHERWOOD

BY AVI URBAN Visit Sales Centre at 64 Nolan Hill Gate

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BY PARTNERS DEVELOPMENT GROUP Symons Valley Parkway please call 587-755-1166

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Register today: Ezraonrileypark.com

355 Kincora Glen Rd. NW www.emeraldsky.ca

ELBOW DRI VE

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HA RV BLVEST H D N ILLS E

CALGARY INTERNATIONAL AIRPORT

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37 STREET

01 PANORAMA WEST

BY CARDEL LIFESTYLES

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11 EZRA ON RILEY PARK

BY BIRCHWOOD PROPERTIES

W

02

11

355 Nolan Crest Heights

10 SAGE PLACE

BY CARDEL LIFESTYLES

IL N

16 AVENUE

69 STREET

85 STREET

TRA

64 Ave

OLD BANFF COACH ROAD

09 NOLAN PARK

BY CARDEL LIFESTYLES

EDMONTON TRAIL

AG AN SH

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14 ST RE ET

CENTRE STREET

AIL TR NA PI

R. LD HIL

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08 CARNABY HEIGHTS TOWNHOMES IN NOLAN HILL

BY JAYMAN MODUS

STONEY TRAIL NW

01 .

BLVD S L IL H

NTRY COU BED DIN GTO N

JO HN CR LA OW UR 14 IE CH BLV ILD D. TR AIL

Sherwood Blvd at Sherwood Way NW Register Now www.thetimbers.gablecrafthomes.ca

460 Nolan Hill Blvd.

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STONEY TRAIL NW

15

05

14 STREET

COUNTRY HILLS BLVD.

14TH ST NW

10 18 03 SY MO NS VA 08 06 07 LLEY RD 12 .

04

SYMONS VALLEY PKWY

09

85 ST. NW

ROCKY RIDGE BLVD.

144 AVE NW.

07 THE TIMBERS

BY GABLECRAFT HOMES

SOUTHLAND DRIVE ANDERSON ROAD

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APRIL 1-29, 2016 | NEW CONDO GUIDE 21

Trending

8 easy ways to Green your condo

By Jackie Marchildon THERE ARE MANY WAYS TO MAKE your home Green.

Here are a few simple tricks.

1. Move your fridge into the shade: Leaving your fridge in the sunlight forces it to work harder and wastes energy.

2. Replace your incandescent light bulbs with LEDs: LEDs use less electricity, produce less heat and last longer than your average incandescent light bulbs.

3. Put up thick curtains in the winter: You’ll keep warmer in the colder months (sadly we have many of them) without having to crank the heat and you’ll conserve energy in doing so.

4. Sign up for online statements: You’ll save money (some financial institutions charge for paper statements), de-clutter your home and save trees in the process.

5. Use vinegar to clean: Clean everything and anything you can with vinegar; it’s the perfect all natural multipurpose cleaner!

6. Install a water-saving shower head: Admittedly the wrong low-flow shower head can make for a bad shower but nowadays there are many water-saving options that don’t compromise pressure.

7. Buy local produce — and walk to the market to get it: The less your food had to travel to get to you, the better — and who doesn’t love a good local farmers’ market?

8. Open your blinds: Avoid turning on the lights in your house and instead open your blinds to allow the sunlight to naturally brighten and warm your home.

Jackie Marchildon is the bilingual senior editor at Yellow Pages NextHome. She prides herself on being interested in everything and because of this her editorial experience ranges from human rights writing to travel blogging to educational publishing.

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APRIL 1-29, 2016 | NEW CONDO GUIDE 23

Advice | CONTEMPLATING CONDOMINIUMS

Cheap insurance Condo building is already insured

By Linda Palfi

MORE ADVICE ONLINE ypnexthome.ca/news/advice

CONDOMINIUM CORPORATIONS in Alberta are required to insure the common property on behalf of all owners, saving them a bag of money on their personal insurance policies.

While a house owner might face a $1,000 or $1,500 annual insurance bill, the condo owner will pay only one half or one third of that. The rest of the insurance expense is built into the monthly condo fees. Those who question the value of the condo owner’s monthly contribution rarely notice this savings.

Although personal property and liability insurance is always recommended, and is usually required by condo bylaws, some condo owners don’t carry their own policy. In the event of a major loss, they would still see their condo unit entirely rebuilt by the condo corporate insurance, but would be out their furniture. Unlike an uninsured house owner, then, the condo owner enjoys a basic level of protection, regardless of what personal insurance she or he might carry.

As with all insurance, of course, one should read the fine print. The condo corporate insurance on homes does not always apply to bare-land condominium. If you buy a house built on bare-land condo property, you’ll be buying full house insurance, just like any other owner of a singlefamily home. Yet your condominium corporation is required to carry insurance to the extent that there is 24 YPNEXTHOME.CA

common property, such as roads or recreation facilities that are subject to loss and to insurance protection.

There are also varying levels of insurance carried by condominium apartment and townhouse corporations. While most policies will rebuild the homes right down to their interior finishing, at least one insurance broker in Alberta goes a step further. Their corporate policies also insure each owner’s fridge, stove, dishwasher and laundry machines.

This is a small point unless your own insurance carries a low personalproperty rider of say, $10,000, which could be half spent on appliances before you get to replace your TV and your couch.

Beyond furniture, personal condo insurance is also necessary to protect the homeowner’s liability. If it were your negligence that caused a major loss, the corporate policy would rebuild the condominium homes, but might then sue you to recover its loss.

A million or two in liability coverage feels pretty good when you’re outside watching firefighters doing their job, and can’t remember if you turned off the barbecue.

Returning to the condo corporate

insurance, the most basic issue is the adequacy of the property value covered for reconstruction. Simply dividing the number of homes into the coverage amount will tell you how much is available to rebuild each home. When considering that figure’s adequacy, remember that finished frame condo buildings are mostly sprinkler-protected, while concrete doesn’t burn well at all.

Foundations, parking garages, inground services and land value rarely suffer from fire, although flooding can undermine them.

On balance, the condominium corporate coverage should allow rebuilding of the condo homes, right down to carpeting and doorknobs, while a great policy will also replace appliances. That’s part of the package of condominium living. The personal property insurance that we carry beyond that will be bargain-priced additional security.

Linda Palfi is a condominium specialist realtor with Discover Real Estate. She is the chair of her condo board, and a member of the professional standards committee of the Calgary Real Estate Board. Visit condosincalgary.com or call 403.998.7732

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Are Renters Throwing Money Out The Window?

Conventional wisdom suggests the cost of home

Calgary might be wasting money by continuing to

ownership is more expensive than renting. However,

rent. However, there are other considerations in this

a recent study by the National Bank of Canada (NBC)

argument.

suggests that the average renting household in some of Canada’s largest centres is paying more than the

Firstly, every qualifying household would require

typical cost to mortgage a condo.

a down payment of at least $13,225 in Edmonton

Notably, this includes Edmonton where the average renting household is currently paying $104 more per month than the NBC would charge to mortgage a median-priced condo. By the same measure, the average Calgary rental is only marginally less expensive ($34/month less).

and $15,753 in Calgary (to finance the previously mentioned mortgage amounts). Secondly, the true cost of home ownership typically ranges between 20% and 40% more than a mortgage payment alone, so buyers need to be comfortable with total monthly housing costs that are 20% to 40% above their current rental rate. This last point is particularly the case for

NBC’s calculations used a condo price of $264,512 for Edmonton and $315,064 for Calgary. Currently, NBC’s qualifying incomes for these mortgage amounts (less 5%) are $42,979 and $51,190 respectively.

Comparatively, both of these income requirements are similar to the median incomes of each market’s renting households when last measured by StatsCan in 2011 ($47,487 in Edmonton and $50,209 in Calgary).

condos (once condo fees are added).

That said, if you’re a renting household who meets all of the above requirements, you may want to talk to your bank.

Nevertheless, comparisons like the one in the chart below demonstrate that average renting households in Edmonton and Calgary are considerably closer to being

Collectively, the above scenarios seem to suggest

able to qualify and handle a mortgage by comparison

that many renting households in Edmonton and

to most other major Canadian markets.

Average Market Rents Net Monthly Mortgage Payment on Median Condo Price Ottawa/Gatineau

$198

Winnipeg

$116

Edmonton

$104

Calgary

-$34

Quebec

-$171

Montreal

-$312

Victoria

-$319

Toronto

-$387

Hamilton Vancouver

-$347 -$478 (National Bank of Canada, Housing Affordability Monitor: February 29th, 2016)

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Condos from the low $100’s www.mylegacypark.com 403.931.8558 APRIL 1-29, 2016 | NEW CONDO GUIDE 29

Neighbourhood Profile

Mission & Cliff-Bungalow

By Kait Kucy

for coffee shops – a half dozen or so offer varying in price and clientele.

MORE PHOTOS ONLINE ypnexthome.ca/sunnyside-kensington

CONSIDERED TO BE ONE of the most historic neighbourhoods in Calgary, Mission and Cliff-Bungalow is rich with history as the site of the former town known as Rouleauville.

cosying up to their owners outside a Mission cafe. Mission often sets trends for other Calgary neighbourhoods thanks to 4th Street’s fantastic mix of retail and restaurants.

Lifestyle Mission and Cliff-Bungalow is full of culture, character and vibrancy.

Always bustling with pedestrians and cyclists, this is an incredibly active community. A nice mix of architecture keeps the neighbourhood interesting.

An outdoorsy community, the Elbow River keeps residents active with rafting, running, cycling and even fishing. There is a big foodie lifestyle in Mission as well with plenty of great restaurants and eateries – even more opening everyday.

Meet the neighbours Mission and Cliff-Bungalow embrace a range of residents, from families to young professionals to residents who have lived here for decades.

While the neighbourhood may seem like a haven for yuppie couples, the diversity of families and seniors defies the stereotype. Baby strollers and young families are common sight on the weekend, evidence that more young families are choosing to live inner-city as opposed to moving to the suburbs.

Vibe This eclectic and vibrant community embraces the true meaning of being neighbourly – especially since the 2013 flood. Residents are healthfocused, affluent foodies who love to spend time outdoors. You’ll see plenty of dogs enjoying long walks or

In the area Since the 2013 flood, rental vacancies have dropped dramatically, making any available properties very expensive. Restaurants in Mission are higher-end, though there are still less expensive take-out pizza and Chinese food options. The same goes

Planes, trains & automobiles Mission and Cliff-Bungalow are typically a walking and cycling region of the city for local residents, however 4th Street, 2nd Street and Elbow Drive are all used as major commuting arteries for those working downtown.

The Elbow River pathways are a cyclist’s paradise, connecting you to other great neighbourhoods. Public transit is reliable in Mission and the C-Train is about a 20-minute walk to Victoria Park or Erlton stations.

The good, the bad & the rest Mission is one of those neighbourhoods that is totally selfsufficient – you never have to leave to get exactly what you want. Several schools are in the immediate area including Catholic elementary and high schools, Montessori pre-school and other public schools. Mission is walking distance from the Sheldon Chumir Health Centre and includes a couple walk-in clinics, pharmacies and dental offices.

Real estate The 2013 flood devastated many properties and left a bad taste for people who had to leave the neighbourhood. Proximity to the Elbow River is definitely something to consider when looking at properties in Mission. On the other hand, this community sprung back with resilience and enthusiasm after the flood. It is a great neighbourhood to call home because it has just about everything you could ask for.

Kait Kucy is a lifestyle and travel writer and blogger for online and print publications in Canada and the U.S.

30 YPNEXTHOME.CA

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34 YPNEXTHOME.CA

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36 YPNEXTHOME.CA

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19 CHAMPAGNE

BY REMINGTON DEVELOPMENTCORPORATION Quarry Park Blvd SE remingtoncorp.com

20 ORIGINS AT CRANSTON

BY STREETSIDE DEVELOPMENTS 111, 100 Cranfield Common SE NOW SELLING

25

21 ALTURE MIDCITY

BY ALTURE PROPERTIES 01 CRANSTON RIDGE

BY CARDEL LIFESTYLES

Corner of Cranford Dr and Cranston Gate SE Register: www.cardellifestyles.com/ cranston-ridge

07 AUBURN WALK

BY CARDEL LIFESTYLES

Showsuite and Sales Centre Corner of 52nd Street and Auburn Meadows Dr. SE

15233 1 Street Southeast midcitymidnapore.ca

22 MAHOGANY STREET TOWNS

BY HOMES BY AVI 13 Marine Dr SE

08 THE MORELLO

23 LEGACY PARK

BY BRAD REMINGTON HOMES

03 MUSKOKA

BY BROOKFIELD RESIDENTIAL

09 BRISTOL TOWNHOMES

BY BIRCHWOOD NOW SELLING

24 JACKSON

BY AVI URBAN

04 LEGACY GATE

BY CARLISLE GROUP

10 CANOE

BY AVI URBAN

02 COPPERFIELD PARK

BY BRAD REMINGTON HOMES 279 Copperpond Common S.E.

65 Auburn Meadows Way

210 Ave. SE www.legacygate.ca

05 LEGACY STREET TOWNS

BY HOMES BY AVI 42 Legacy Blvd SE

06 CRANSTON

BY AVALON MASTER BUILDER 442 Cranford Park SE

15207 1st SE themorello.ca

Register at: mylegacypark.ca

232 Quarry Park Blvd. SE

Coming soon to Walden

25 RIVERSTONE MOSAIC

BY BROOKFIELD RESIDENTIAL 98 Cranbrook Dr. SE

103 Auburn Meadows Dr.

26 WALDEN PLACE

BY CARDEL LIFESTYLES Coming Soon

11 CHALET NO. 6

BY HOPEWELL

Registration www.cardellifestyles.com

646 Copperwood Blvd SE

12 EBONY CONDOS & TOWNHOMES IN MAHOGANY

BY JAYMAN MODUS 291 Mahogany Way

Move in today!

Condos starting from $169,900 www.copperfieldpark.com 403.723.0094

APRIL 1-29, 2016 | NEW CONDO GUIDE 41

buy with confidence

Job secUritY

gUarantee

YoU lose YoUr Job

we PaY YoUr Mortgage

easY Down PaYMent Plan ~ Price gUarantee INQuIRE FOR DETAILS

now selling in 13 locations across alberta CALGARy & AREA ALBERT PARK STATION Downtown Calgary EMERALD SKY - NW Calgary LEGACY GATE - SE Calgary STONECREEK LANDING - Cochrane CREEKSIDE vILLAGE - Airdrie Please visit our website for all locations

carlislegroup.ca

H

Get What You Want, When You Want It. Move in now or in 30, 60, 90 days. Up to $10,000 of upgrades included.

LUXURY AT PRICES YOU CAN AFFORD

1025sq.ft. OF LUXURY LIvING SPACE 2 BEDROOMS • 2 BATHROOMS • UNDERGROUND PARKING INCLUDED FROM THE

$200’s Plus GST

PAYMENTS FROM $347 BI-WEEKLY* *(based OAC, 20% down, 2.59% 25 year mortgage)

(DEPENDING ON LOCATION AND uNIT TyPE)

CITY SCAPE CORNER UNIT UNDERGROUND HEATED PARKING

OUTLOOK

NATURAL LIGHT-FILLED LIVING SPACE

DREAM 10' 5" X 10' 3"

EXPANSIVE BALCONY

CONNECT

MODERN OPEN CONCEPT LIVING SPACE LINEN

11' 10" X 13' 9"

INVITING BREAKFAST NOOK

SPACIOUS SECOND BATH WITH ELEGANT GRANITE COUNTER TOP

BREAKFAST

CRAFTSMAN HARDWOOD CABINETS HIGH-END STAINLESS STEEL APPLIANCES BEAUTIFUL GRANITE COUNTER TOPS

REFRESH D

CREATE

UPSCALE OVER-THE RANGE MICROWAVE

DINE

STORAGE

10' 9" X 13' 6"

W/D

CONVENIENT IN-SUITE STORAGE

LARGE MASTER BEDROOM DREAM

DESIGNER TILE FLOORS

11' 0" X 11' 2"

SPACIOUS WALK-IN CLOSET

GREET WORK

ENSUITE MASTER SPA BATH WITH ELEGANT GRANITE COUNTER TOP

WIC

7' 1" X 7' 10"

SPA

LARGE WORKING SPACE

For more information and showsuite locations visit:

CarlisleGroup.ca 403.571.8426

C

R

AN

STO N

DR

SE

Cranston Market

CRANBROOK DRIVE SE

TR OOT ERF DE

E CRANSTO N AV E S

Advice | MORTGAGE ADVICE

How to take advantage of lower mortgage rates

By Alyssa Richard

MORE ADVICE ONLINE ypnexthome.ca/news/advice

SPRING AND SUMMER are nearly here.

It’s often the time when more people are shopping for a home and when banks start to offer more competitive mortgage rates. But if you already own a home, how can you take advantage of lower rates?

You can break your mortgage and refinance it at a lower rate, but there are pros and cons of doing this.

Advantages There are a number of benefits of refinancing your mortgage, including: » Lower payments/interest costs: A lower interest rate on your mortgage could mean your payments will be lower and you’ll also likely pay less in total interest than had you kept your current rate. Try ratehub.ca’s mortgage refinance calculator to estimate what your savings could be. » Pay off your mortgage faster: If you’re making more money than when you bought your home, you may decide you want to pay off your mortgage at a faster pace. You could do that by shortening your amortization period. » Access home equity: If you’re considering purchasing an investment property or renovating part of your home, you can access the equity in your home (that’s the value of your property minus your mortgage balance) to help pay for either. » Consolidate debt: If you have any other debt, such as a credit card balance, a car loan, or a line of

credit, you can consolidate it into your mortgage. By consolidating your debt, you’ll pay less interest and you’ll probably have lower monthly payments on top of a lower interest rate. Still, you’ll have the same level of debt.

Disadvantages Before deciding whether or not to break your mortgage, you should be aware that while there’s a potential to save a lot of money, there are also costs involved: » Mortgage prepayment penalty: If you have a variable-rate mortgage, you’ll only have to pay three months’ interest. But if you have a fixed-rate mortgage, your prepayment penalty is the greater of three months’ interest or the interest rate differential (IRD).

To determine the IRD, lenders look at the mortgage rate you have currently, the number of months left in your term, the rate they could charge you for a new mortgage term similar in length to the remainder of your term. You can estimate the penalty you’d have to pay using ratehub.ca’s mortgage penalty calculator. » Mortgage discharge fee: If you decide to use a different lender, you’ll have to pay a fee to discharge your mortgage from your current lender.

Lenders set their own fees, which can vary by province. These fees are typically in the $200 to $350 range. » Mortgage registration fee: You have to pay a mortgage registration fee whether you’re staying with or leaving your current lender. Your lender removes the current mortgage amount from the title on your home and re-registers it with a new mortgage amount. This fee is usually around $70. » Legal fees: You’ll have to consult with a real estate lawyer when refinancing your mortgage. He or she will check your mortgage’s terms and conditions, register your new mortgage, and do a title search to ensure there aren’t any liens against your home. Legal fees for refinancing your mortgage can be in the $700 to $1,000 range. But if your mortgage balance is more than $200,000 and you want to switch lenders, your new lender may pay these fees.

While large lenders may soon start offering lower rates and you could pay less if you break your mortgage, it’s best to do some research to find out whether or not you’ll benefit.

Alyssa Richard is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

46 YPNEXTHOME.CA

Zen

Zen CG20160316.indd 1

17/03/2016 12:26

CALGARY’S SATELLITE COMMUNITIES 21 THE WHITNEY

BY LANDMARK HOMES

22 04

1A

02 11 03 01 COCHRANE 08

211 & 215 Fireside Parkway Cochrane, AB

AIRDRIE

22

09

20

AIRDRIE

10 12 15

13 14

06

09 CREEKSIDE VILLAGE

BY CARLISLE GROUP

2 21

07

05

2105 403 MacKenzie Way SW Airdrie, Alberta www.creeksidevillagecondos.ca

10 STONEKEEP AT KING’S STRATHMORE HEIGHTS TOWNHOMES

BY MERGE 1 DEVELOPMENTS

1

CALGARY

CHESTERMERE

797 LANGDON

22X

22X

BLACK DIAMOND

22X

17

TURNER VALLEY

2

2802 Kings Heights Gate

Yankee Valley Blvd. and 24th St. SW BrooksideAtBaysprings.com

2A

22

14 HILLCREST TOWNHOMES

BY EXCEL HOMES

HIGH RIVER

01 TOWNHOMES AT JUMPING POUND RIDGE

BY SLOKKER CANADA WEST

Sales Centre on George Fox Trail just past Jumping Pound Terrace www.slokker-west.ca

02 HEARTLAND TOWNHOMES

BY EXCEL HOMES 137 Heartland Way, Cochrane, Alberta

03 THE RISE

BY JAYMAN MODUS

04 SUNSET RIDGE STREET TOWNS

BY HOMES BY AVI 36 Sun Valley Road Cochrane, Alberta

05 STONECREEK LANDING

BY CARLISLE GROUP

625 Glenbow, Cochrane, Alberta www.stonecreekcondos.ca

06 THE VILLAGE

BY CALBRIDGE HOMES 3102-15 Sunset Square Cochrane, Alberta

Coming Soon 169 Clydesdale Way Cochrane, Alberta

13 BROOKSIDE AT BAYSPRINGS

BY MERGE DEVELOPMENTS

543

COCHRANE

11 BRAND

BY BIRCHWOOD

12 RAVENSWOOD TOWNHOMES

BY SLOKKER CANADA WEST

OKOTOKS

546

1225 King’s Heights Way SE Airdrie, Alberta

07 RIVERREACH VILLAS & MANORS

BY JAYMAN MASTERBUILT 13 Riviera Way Cochrane, Alberta

08 THE RANGE

BY BIRCHWOOD PROPERTIES CORP. 101 Heartland Avenue Cochrane, Alberta

101 Hillcrest Dr. SW Airdrie

15 ZEN RAVENSWOOD

BY AVALON MASTER LETHBRIDGE BUILDER

1403 - 2400 Ravenswood View SE

22 SUNSETRIDGE TOWNHOMES

BY EXCEL HOMES 24 Sunrise View Cochrane, AB

20 SUNSET

BY JAYMAN INNOVATIONS

24 Sunset Rd. Cochrane, Alberta

501 Riverheights Dr. Cochrane, AB

SEARCH ONLINE ypnexthome.ca

APRIL 1-29, 2016 | NEW CONDO GUIDE 49

Trending

Cardel Lifestyles named one of Canada’s best managed companies CARDEL LIFESTYLES was named

one of Canada’s Best Managed Companies in 2015 for excellence in business performance. The Best Managed program recognizes Canadian-owned and managed companies with revenues of more than $10 million, demonstrating strategy, capability and commitment to achieve sustainable growth.

Cardel Lifestyles has shown a dedication to providing an exceptional customer experience, which has helped to solidify the company’s position as an industry leader in sales and customer satisfaction. Cardel Lifestyles has built more multi-family homes in the last 10 years than any other builder in Calgary.

“After years of planning, our entire team moved forward with a goal of continuous improvement in all aspects of home building,” says Cardel Lifestyles President and Co-Founder Tim Logel. “With each new victory, a higher level of confidence took hold, along with a clearer view of what sustained excellence looks like.”

The award is a testament to the people at Cardel Lifestyles and their constant drive to innovate and improve processes. It’s also thanks to their experienced consultants, and their trade and supplier partners. This culture of continuous improvement is evident in Cardel Lifestyles’ industryleading build times. Through hard work, dedication and teamwork, the company has averaged less than nine months to complete each of their four-storey wood-frame buildings.

This culture has also contributed to some very unique product innovations and award-winning floorplans.

“Best Managed companies are strong in strategy, capability, commitment and financial performance. They are all great Canadian business success stories,” 50 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

says Peter Brown, Partner, Deloitte and Co-Leader, Canada’s Best Managed Companies program.

In addition to its Best Managed Company award, Cardel was also recognized with two additional awards from other organizations in 2015 for providing one of the best overall customer experiences in the province. The New Home Buyers Choice Award and the Home Owner Mark of Excellence are based on customer feedback and are both administered by a third-party survey company. These awards were a major part of Cardel Lifestyles’ corporate strategy in 2015.

Building in many of Calgary’s best master-planned suburban communities with some of North America’s most respected developers, including Brookfield, Genstar and United, has been a key part of Cardel Lifestyles’ success. The ability to operate in five communities has allowed the company grow, offer options to customers and continue as a sales leader, even during times of short supply. Today in Calgary, homebuyers can view 12 Cardel Lifestyles model suites in five locations throughout the city.

Established in 1993, Canada’s Best

Managed Companies is one of the country’s leading business awards programs recognizing Canadianowned and managed companies that have implemented world-class business practices and created value in innovative ways. Applicants are evaluated by an independent judging panel on overall business performance, including leadership, strategy, core competencies, crossfunctional collaboration throughout organization and talent.

Winners of the 2015 Canada’s Best Managed Companies award, along with Requalified, Gold Standard, Gold Requalified winners and Platinum Club members, will be honoured at the annual Canada’s Best Managed Companies gala in Toronto on April 12, 2016. On the same date, the Best Managed symposium will address leading-edge business issues that are key to the success of today’s business leaders.

The Best Managed program is sponsored by Deloitte, CIBC, National Post, Smith School of Business and MacKay CEO Forums.

For further information, visit bestmanagedcompanies.ca or email bestmanagedcompanies@deloitte.ca

Inspiration

THE MIDAS TOUCH Move over chrome, we’re going into the golden age. We love the warmth and elegance of brass and golds that are emerging in hardware, furniture and accessories.

They’ve got great depth and richness — and are fun to use in our decor!

by Elisa Krovblit

Gold flatware set $39-$399 westelm.com

Garrison pendant in antique brass $1,767 wshome.com

Brass and glass table lamp $169 homesense.ca

Le Vian chocolate diamond bypass ring 14K honey gold $3,999 peoplesjewellers.com

THE GATES AT HILLCREST

WILL BE OPENING SOON

AIRDRIE

Introducing a whole new style of Townhome living in Airdrie. The Gates at Hillcrest will showcase Mattamy’s new Manor Townhomes: Front Drive garage Townhomes with more storage and more space to live.

You can expect Mattamy’s signature, fresh-faced streetscapes and distinctive architectural styles - Prairie, Craftsman, Arts and Crafts, and Tudor.

The Gates at Hillcrest incorporates a protected environmental reserve, integrated pathway, and the advantage of being next to the amenity-rich Mattamy communities of Southwinds and Windsong.

You may also be delighted to learn about a new K-8 public school proposed to open at Windsong, in 2017.

FOR UPDATES AND MORE INFORMATION WE INVITE YOU TO REGISTER AT

MATTAMYHOMES.COM /CALGARY

MATCALGARY-Hillcrest_MVA_NCG_Mag.indd 1

2016-03-16 9:51 AM

METIS TRAIL

CENTRE STREET 12 AVENUE

104 Redstone View (off Redstone Way)

07 ARRIVE AT SKYVIEW RANCH ARBOURS

BY PARTNERS DEVELOPMENT GROUP Coming Soon www.arrivehome.ca

13 V&V

BY PROVIDENCE GROUP

IVE

IAL DR

R MEMO

Now Open Register: einsteincalgary.com

36 STREET

17 Ave

52 STREET

BLACKFOOT TRAIL

ELBOW DR IVE

06 ARRIVE AT REDSTONE

BY PARTNERS DEVELOPMENT GROUP

64 Ave

16 AVENUE

02 43 PARK

BY VERICON REAL ESTATE VENTURES

MacLEOD TRAIL

43park.ca

ANDERSON ROAD

DEERF

114 AVE SE

OOT T RA

IL

W BO M

AIL

VITT

D TR

McKE

LEO

Mac

IL TRA

EK P ARK

SHAWNESSY BLVD.

NEW BRIGHTON

TTO BO

CRE

84 STREET

52 STREET

BARLOW TRAIL

GLENMORE TRAIL

SOUTHLAND DRIVE

FISH

Coming Early 2016 Register: jayman.com/harana

13

17 Ave

GLENMORE RESERVOIR

05 HARANA TOWNHOMES

BY JAYMAN MODUS

80 Ave

32 Ave

03 04 MEMO 02 01 RIAL D RIVE

Coming Soon bridgelandcrossings.com

Sales Centre 921 - 1st Ave. NE www.stepsbridgeland.com

MCKNIGHT BLVD.

16 AVENUE

01 BRIDGELAND CROSSINGS

BY APEX CITY HOMES

04 STEPS BRIDGELAND

BY GIUSTINI BRIDGES IN.

68 STREET

14 STREET

.

Sales Centre #701, 7th Ave. NE livelifft.com

SADDLETREE DR.

52 STREET

CALGARY INTERNATIONAL AIRPORT

64 Ave

CRI J OW OHN CH L ILD AUR IE TR BLV AIL D

05 128 NE Ave

FA L RID CON GE

NOSE HILL PARK

EDMONTON TRAIL

SH AG AN

NA

PI

DE

TR A

ER

IL

CO

03 LiFFT

BY VERICON REAL ESTATE VENTURES

STONEY TRAIL 06 07

COUNTRY HILLS BLVD.

FO OT TR AIL

VD. LS BL

Y HIL UNTR

S JAME

9:51 AM

NORTHEAST COMMUNITIES

U

MARQ

CHAPARRAL CRANSTON

AIL

NE TR

LOR IS OF

COPPERFIELD

ABURN BAY

SEARCH ONLINE ypnexthome.ca

APRIL 1-29, 2016 | NEW CONDO GUIDE 53

Advice | MONEY MATTERS

How to be debt-free forever

By Gail Vaz-Oxlade

MORE ADVICE ONLINE ypnexthome.ca/news/advice

I’VE OFTEN SAID that becoming debt-free is simple but it isn’t easy.

And that’s the problem most people have with biting down and getting to work. They would rather whine about how horrible life is, complain about how stressed they are or simply stick their heads in the sand than get busy. If you’re one of the people who is procrastinating about taking control of your money and your life, you first have to figure out why you’re procrastinating.

At the University of Konstanz in Germany, a team of psychologists wanted to see if our tendency to procrastinate had anything to do with how we think of a task at hand. Could it be that if we see something as psychologically distant — like getting to debt-free — that makes us resistant to tackling the task immediately?

A group of students were asked to respond to a list of questions by e-mail within three weeks. The questions had to do with run-ofthe-mill tasks like opening a bank account or keeping a diary. Students were given different instructions for answering the questions. Some were asked to think and write about each activity in an abstract way, as in what the task implied about personal traits: what kind of person has a bank account? Others were asked about the concrete steps of each activity: speaking to a teller, filling out forms, making an initial deposit. Then the psychologists waited and waited… and waited. They recorded all the 54 YPNEXTHOME.CA

response times to see if there was a difference between the two groups.

Guess what? There was. A very clear difference. While all of the students were being paid upon completion, those who were asked to think about the questions abstractly were more likely to procrastinate.

Some never got around to the assignment at all. Those who were focused on the concrete steps — the how, when and where of doing the task — got the job done sooner.

It seems that just thinking about what we want to accomplish in concrete, specific terms reduces our tendency to procrastinate.

Blame your fear. Blame your sense of failure. Blame your belief that you can’t do it yourself. Whatever excuse you use, you’re guaranteeing your failure.

Take the bull by the horns, lay out a plan of action, make that plan specific, measurable, achievable, realistic and timely, and you’re on your way to being debt-free forever.

Start now. Each time you put off getting started you allow the problem to grow in size and

complexity in your mind. By avoiding the problem, you’re allowing fear to build. Stop living in fear and start doing something different.

Break down the steps. Make the plan concrete. Make the steps manageable. Setting a goal of being debt-free forever by the end of the year is great, but only if you also say how you’re going to do it. “I’m going to cut $200 in unessential spending from my budget and apply that to my debt repayment.” Those concrete steps are what will make the plan actionable.

Enjoy the challenge. Yes, it may feel like you’re about to climb a mountain, but how you approach the mountain will make all the difference in the world. If you keep looking at how high it is and reinforcing how impossible it is to get to the top, you’ll fail. If you see each step you take up the mountain as something to celebrate, you’ll eventually reach the summit. Attitude counts.

Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt-Free Forever and blogs daily at gailvazoxlade.com.

Homebuyers’ Help

Condo hunter’s checklist WHEN SHOPPING FOR YOUR DREAM CONDO, CARRY THIS LIST WITH YOU AND TAKE NOTES TO HELP YOU REMEMBER WHAT YOU SAW, AND WHERE!

CONDO #1

CONDO #2

CONDO #3

CONDO #4

Project & address:

Project & address:

Project & address:

Project & address:

Salesperson:

Salesperson:

Salesperson:

Salesperson:

Phone:

Phone:

Phone:

Phone:

Developer/builder:

Developer/builder:

Developer/builder:

Developer/builder:

Type:

Type:

Type:

Type:

midrise highrise

townhome conversion

midrise highrise

townhome conversion

midrise highrise

townhome conversion

midrise highrise

townhome conversion

Sq. ft.:

Sq. ft.:

Sq. ft.:

Sq. ft.:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

Interior appliances:

Interior appliances:

Interior appliances:

Interior appliances:

Options:

Options:

Options:

Options:

Parking facilities:

Parking facilities:

Parking facilities:

Parking facilities:

Special incentives:

Special incentives:

Special incentives:

Special incentives:

Price:

Price:

Price:

Price:

Down payment:

Down payment:

Down payment:

Down payment:

Condo fees:

Condo fees:

Condo fees:

Condo fees:

Financing available:

Financing available:

Financing available:

Financing available:

Other comments:

Other comments:

Other comments:

Other comments:

APRIL 1-29, 2016 | NEW CONDO GUIDE 55

Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS ATB Financial Alterna Svgs/Alterna Bk

variable 2.6 4.00op 2.35

Bank of Montreal

2.7

Bank of Nova Scotia

2.9

Canadian Western Bank CFF Bank CIBC

2.7

ICICI Bank Canada Manulife Bank

2.75 2.4

National Bank

n/a

President’s Choice Finan Royal Bank

2.7 2.7

TD Canada Trust

2.6

Tangerine

2.7

6 months

1 year

2 years

3 years

4 years

5 years

4 4.00op 4 6.30op 4 6.75op 4.55 6.45op 4 6.45op

2.94 4.00op 2.85 6.30op 2.89 6.75op 3.29 6.50op 3.14 6.30op 2.69 2.84 6.35op 3.15 3 3.20op 3.14 6.70op

2.64

2.69

2.74

2.89

2.09

2.59

2.74

2.58

2.99

3.39

3.89

2.69

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.24 2.79

2.39 2.59

2.59 4.09

2.69 4.79

3.65 2.94

3.64 2.84

3.69 2.79

3.69 2.89

3.04

3.39

2.79

2.99

2.79 2.39

3.34 2.59

3.99 4.39

4.44 2.89

2.84

2.44

3.89

2.79

3.24

3.49

3.69

3.7

3.14 3.35 6.30op 2.69 3.14 6.50op 3.29 6.50op

3.25 3.5 6.30op 2.24 3.09 6.30op 3.09

3.95 3.7

4.39 4.3

4.64 4.35

2.39 3.39

2.59 3.89

2.69 2.84

3.39

3.89

4.49

2.84 6.30op 2.29 2.89 6.50op 3.14 6.30op 3.25 6.25op 2.84 6.30op 2.8 2.95op 2.45

2.89

2.95

2.99

2.89

2.24 2.79

2.49 2.89

2.64 2.95

2.69 2.89

3.09

3.39

3.89

4.74

3.2

3.65

4

4.5

2.79

3.39

3.89

2.59

2.85

2.95

3.05

3.15

2.55

2.55

2.65

2.65

6.95op 4.45 4.4 6.70op

6.75op

3.14 6.75op 2.99 6.30op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

6.5 4.45

Home Trust Company Investors Group Trust

2.35 n/a

3.95 4.2

MTCC

2.9

4.55 6.45op

OTHER FINANCIAL INSTITUTIONS Comtech Credit Union

2.45

First National Fin. LP IC Savings

2.7

London Life

n/a

Luminus Financial

3.25

Meridian Credit Union

2.4

Parama Credit Union

2.65

Steinbach Credit Union

2.25

6.2 6.40op 3.1 4.25 6.50op 4.2 6.50op

4

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice.

R.O.R.= RATES ON REQUEST op= OPEN -----= NOT QUOTING N/A= NOT AVAILABLE March 14, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

56 YPNEXTHOME.CA

What’s Online

Trending now The latest real estate news from across Canada

5 reasons 2016 is a good year to buy a home in Canada

READ THE STORY ONLINE ypnexthome.ca/2016-homebuying

BC, Ontario skew Canadian real estate market READ THE STORY ONLINE ypnexthome.ca/Canadian-real-estate

Decor tips to brighten your mood and your home READ THE STORY ONLINE ypnexthome.ca/bright-home

Quiz: What’s your Oscar dream house?

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Visit our website: APRIL 1-29, 2016 | NEW CONDO GUIDE 57

Ad Index

ADVERTISERS Albert Park Station - Carlisle Group

42-43

Heartland - Excel Homes

48

Altadore 36 - Brookfield Residential

39

Hunter House - Streetside Developments

31

Arrive at Evanston - Partners Developments

23

Jumping Pound Ridge - Slokker West

Arrive at Redstone - Partners Developments

23

Kensington - Bucci Developments

Arrive at Skyview Ranch - Partners Developments

23

Legacy Gate - Carlisle Group

Avenue - Grosvenor

5

7

1, 11-14

42-43

Legacy Park - Brad Remington Homes

60

Brookside at Baysprings - Merge Developments

51

Mark 101 - Shane Homes

27

Brand - Birchwood Homes

59

Mosaic Riverstone - Brookfield Residential

45

Champagne - Remington Development Corp.

Cityscape - Mattamy Homes

Concepts - Landmark Builders Group

Copperfield Park III - Brad Remington Homes

Creekside Village - Carlisle Group

Diseﾃｱo in Sherwood - Landmark Builders Group

Emerald Sky - Carlisle Group

Ezra - Birchwood Homes

2

Park Point - Qualex Landmark

6

52

Radius - Bucci Developments

14

3

41

42-43

3

25

16-17, 19

StoneCreek Landing - Carlisle Group

42-43

Stonekeep - Merge Developments

51

StreetTowns - Homes by Avi

44

V&V - Providence Developments

20

Viridian - Trico

22

Vivace - Streetside Developments

28

The Gates - Remington Development Corp.

40

Zen Cranston - Avalon Master Builder

47

GLAS - Avalon Master Builder

37

Zen Ravenswood - Avalon Master Builder

47

The Guardian - Hon Towers Ltd.

58窶ズPNEXTHOME.CA

4

A

2 HW AY 2

HW AY 1

HI G

HORSE CREEK ROAD

43 D. ER

NG

RA

HIG

HEARTLAND QU

IGL

EY

DR

.

TO CALGARY

N

GEO

RGE

FOX

TR.

GRIFFIN RD.