Calgary New Communities - Spring 2017

SPRING 2017 VOLUME 8, ISSUE 1, FREE

INSIDE THIS ISSUE

ALBERTA’S ECONOMY ON THE VERGE OF COMEBACK

6 FINANCIAL HOMEBUYING TIPS

SUNNYSIDE-KENSINGTON: WELCOMING & THRIVING

WWW.LANDSCAPE360.CA DESIGN • NATURAL STONE • WALKWAYS • GARDEN BEDS • SOD+GRADING • WATER FEATURES • RETAINING • PATIOS • DECKS FENCES • IRRIGATION • LIGHTNING • PLANTING • EXCAVATION Landscape 360 is focused on providing our clients with professional landscape construction from design to completion. With experience, creativity, hard work and dedication, we will exceed your expectations.

The service and product we provide will withstand the toughest elements, while giving your home a personality.

With a commitment to quality, Landscape 360 is driven to establish strong relationships with each client.

PROFESSIONAL LANDSCAPE CONSTRUCTION 403-452-0360

contents SPRING 2017 | VOLUME 8 ISSUE 1

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+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

community profile

trending

43 Qualico Communities

40 Lifestyle

Crestmont West – same mountain neighbourhood at a new, exciting price

neighbourhood profile WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

Out in the open: Calgary’s top patios

47

Economy

Alberta to lead Canada in economic growth this year

54 Sunnyside-Kensington A welcoming and thriving community

inspiration

22 Designer Advice The art of layering

8

ON THE COVER

SPRING 2017 VOLUME 8, ISSUE 1, FREE

VICE-PRESIDENT & CHIEF PUBLISHING OFFICER

Caroline Andrews PUBLISHER & GENERAL MANAGER

Shawn Woodford DIRECTOR OF SALES, NATIONAL

Moe Lalani SENIOR MANAGER, CONTENT

Jennifer Reynolds

Walton

ALBERTA SALES MANAGER

Shelley Balla

Cornerstone: The new face of Calgary’s Northeast

EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS INSIDE THIS ISSUE

ALBERTA’S ECONOMY ON THE VERGE OF COMEBACK

6 FINANCIAL HOMEBUYING TIPS

SUNNYSIDE-KENSINGTON: WELCOMING & THRIVING

in every issue

26

06 Editor’s Note community profiles

14

The Gates at Hillcrest

19

Ravenswood

35 Evanston 43 Crestmont West district maps advice

16

Mortgage Advice

What to consider when buying an investment property

by Alyssa Richard

26 Outdoors

Make your landscaping dreams a reality

by Brad Jackman

30 Fundamentally Speaking 6 financial homebuying tips

by Wayne Karl

42 Home Care

12 steps to squeaky clean

50 Calgaryism

Is Alberta’s economy making a comeback?

by Cody Battershill

56 Money Matters Coming clean

by Gail Vaz-Oxlade

07

Northeast

13

Airdrie

25 Cochrane 29

Southeast

33

Northwest

41

Southwest

47

North Calgary Region

Sonia Bell Elisa Krovblit Lydia McNutt

SENIOR MEDIA ADVISOR

Melanie Gowans 403.200.8462 Follow me on twitter @melgowans Like us on Facebook ypnexthome

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Calgary & Area New Communities is published two times per year. 2891 Sunridge 7K7. Tel 587.226.1313. The magazine is free to the public.

Copyright covers the contents of this publication and prevents reproduction in whole or in part; offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. The publication, the publisher and the printers shall not be responsible for any typographical errors, mistakes, misprints, spot colouring or any information or lack of information furnished by the advertisers.

Editor’s Note

Window of opportunity about to open Good news, Calgary: Just like the seasons changing, by calendar if not by temperature, so too are the economy and real estate markets in Alberta. Things may not yet be in full bloom, but the buds are beginning to sprout.

Following a very rough couple years, things appear to be turning the corner. Alberta is poised to lead Canada in economic growth this year, according to The Conference Board of Canada’s Provincial Outlook: Winter 2017.

The province’s real GDP is forecast to grow by 2.8 per cent this year, the fastest among the provinces, with 0.4 percentage points coming from the rebuilding efforts in Fort McMurray, the Board says.

While recovery in the broader housing industry may not follow in lockstep pace, experts agree it’s not far behind.

Many economists believe that real estate markets in Alberta on a whole are at or close to the bottom – which means there is only one way to go.

Prospective homebuyers, your window of opportunity is about to open.

WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

+ get social 6 YPNEXTHOME.CA

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PANORAMA ROAD

STONEY TRAIL

4 52 STREET

HARVEST HILLS

METIS TRAIL

MONS VALLEY ROAD

Northeast

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

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01 SADDLESTONE

DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.saddlestonecalgary.com

02 SADDLEBROOK

DEVELOPER: MLC Land Company BUILDERS: Elite Homes, Pacesetter Homes, Trico Homes

03 CORNERSTONE

1

DEVELOPER: Walton Development BUILDERS: Jayman BUILT, Shane Homes, Morrison Homes, Truman Homes, Pacesetter Homes www.liveatcornerstone.ca

64 AVENUE

MCKNIGHT BLVD.

32 AVENUE

68 STREET

NOSE HILL PARK

FALCON RIDGE

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OH

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04 REDSTONE

DEVELOPER: Qualico Communities BUILDERS: Broadview Homes, NuVista Homes, Pacesetter Homes, Jayman BUILT, Trico Homes, Creations by Shane Homes, Shane Homes (Shane showhome to be built in spring)

05 CITYSCAPE

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

06 SAVANNA IN SADDLE RIDGE

DEVELOPER: Genstar Development Co. BUILDERS: Cardel Homes, Homes by Avi, Excel Homes, Arcuri Homes

SPRING 2017 CALGARY COMMUNITIES 7

Community Profile

WALTON DEVELOPMENT AND MANAGEMENT LP - CORNERSTONE

Walton builds on its northeast success with launch of Cornerstone

W

ith more than 1,000 people out for the grand opening in October and more than 200 homes sold since, Walton Development and Management L.P. (Walton) has penned another success story for the city’s northeast with Cornerstone.

“Cornerstone has been very well received and we’ve seen a tremendous absorption of homes since our grand opening so we’re very excited,” says Kendra Milne, vicepresident of marketing for Walton, which also created the highly successful SkyView Ranch in the sector. “We had a near record number of permit applications in October so that shows just how great the demand and the response has been.

“At the end of February the first four families moved in and they were really excited,” Milne says. “It’s great to see how truly accurate the target audience we anticipated for Cornerstone is as the first to move in were young families and a young couples.

“They chose Cornerstone because they were 8 YPNEXTHOME.CA

looking for something new, in the price point they were comfortable in and with all the amenities nearby,” she comments. “Cornerstone is very well located, it has close proximity to so many things – minutes to Stoney Trail, Metis Trail, the airport, Deerfoot Trail and shopping. And, most importantly, to jobs, not only in the northeast with the development of the airport industrial, but also having quick access to Stoney Trail means easy and comfortable commutes to work in the southeast or northwest, which is really important to people.”

Cornerstone is also a destination for a wide range buyers from first-time to move-up with several housing styles available at affordable price points. “And, even given the rapid absorption we still have a great selection of lots available in all housing products,” Milne adds.

Currently offered are duplexes by Morrison Homes and Shane Homes starting from the $330,000s, zero lot homes

by Jayman BUILT, Pacesetter Homes and Shane starting from the $350,000s, courtyard homes by Jayman (which

Cornerstone has close proximity to so many things.

BILD Calgary Region

2016

are new to the northeast and come with rear garages) staring from the $450,000s, and front-drive garage homes

by Morrison, Pacesetter, Shane and Truman Homes starting from the $490,000s. These builders have 28 showhomes open in Cornerstone.

“As well, this spring, Jayman and Shane will have street towns located on Cornerstone Boulevard – a major northsouth route in the community – with showhomes opening in June,” Milne notes. “These are fee simple so there is no condo fees, which is very exciting, and they’re starting pre-sales now.”

Cornerstone, one of the largest communities in northeast Calgary at more than 1,000 acres, is bordered

by Stoney Trail, 96 Avenue, 60 Street and Country Hills Boulevard. It’s been designed in five distinct neighbourhoods – Gate, Park, Point, Ridge and View – with Gate being the first neighbourhood to be developed.

And, Milne adds that due to the overwhelming response they plan to release the next phase of lots this

summer and “we’re looking forward to breaking ground on it this spring.”

Cornerstone will also be home to one of Calgary’s major activity centres (MAC), which combines commercial, residential, retail and transit access in one centre. “It will create over 3,000 jobs and be adjacent to the next planned stop on the northeast LRT line. It will really be a major hub for a lot of activity in the northeast.”

The community also features other great amenities such as 180 acres of preserved, natural wetlands, 14 kilometres of regional pathways, and Calgary’s first regional park in the northeast quadrant.

Cornerstone residents have easy access to nearby schools, the LRT, Peter Lougheed hospital, and shops, services, restaurants and more at CrossIron Mills, Sunridge, Deerfoot City and Country Hills.

To learn more about Cornerstone, visit the showhomes, open Monday to Thursday, 2-8 p.m., weekends and holidays, noon-5 p.m., or visit liveatcornerstone.ca.

SPRING 2017 CALGARY COMMUNITIES 9

What’s Online

Trending now The latest real estate news from across Canada

Why 2017 is still a good year to buy a home READ THE STORY ONLINE ypnexthome.ca/homebuying-2017

3 reasons Americans won’t be buying up Canadian homes READ THE STORY ONLINE ypnexthome.ca/3-reasons

Area carpets: Let’s lay it all out there READ THE STORY ONLINE ypnexthome.ca/area-carpets

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Saddleridge

McKnight Blvd

Stoney Trail

60 St 88 Ave

52 St

Métis Trail

Country Hills Blvd

Airdrie

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

01 BAYSIDE ESTATES

DEVELOPER: Genesis Land Development Corp.

BUILDER: McKee Homes, ReidBuilt Homes www.genesisland.com

3 VETERANS BLVD

7

VETERANS BLVD

02 WINDSONG

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes 1ST AVE

03 REUNION

DEVELOPER: Hopewell Residential BUILDERS: Sabal Homes, McKee Homes

10

04 KING’S HEIGHTS

NOSE CREEK

05 RAVENSWOOD

DEVELOPER: Qualico BUILDERS: NuVista, McKee Homes, Pacesetter, Broadview

06 COOPER’S CROSSING

11

DEVELOPER: Vesta Properties BUILDERS: Vesta Properties

5 2 NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

08 HILLCREST

Developer: Apex Developments Builders: Excel Homes, Shane Homes,Trico Homes, McKee Homes hillcrestairdrie.com

09 SOUTHWINDS

Developer: Mattamy Homes Builders: Mattamy Homes

10 CANALS LANDING

Developer: Genesis Land Development Corp.

Builders: ReidBuilt Homes, Mckee Homes, Crystal Creek Homes, Genesis Builders Group, WestView Builders

YANKEE VALLEY BLVD

YANKEE VALLEY BLVD

DEVELOPER: Westmark Holdings BUILDERS: McKee Homes, Trico Homes, Vesta Properties, Canterra Custom Homes, Crystal Creek Homes and Harder Homes, Lifestyle Homes

07 WILLIAMSTOWN

EAST LAKE

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DEVELOPER: Melcor BUILDER: Loreck Homes, McKee Homes, ReidBuilt Homes, Shane Homes, Homes by Avi, Innovations by Jayman www.kingheights.ca

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11 PIER 11

Developer: Genesis Land Development Corp.

Builders: Genesis Builder Group pier11airdrie.com

13 THE GATES AT HILLCREST

Developer: Mattamy Homes Builders: Mattamy Homes

12 MIDTOWN

Developer: Wenzel Developments & Apex Developments Builders: Shane Homes, Nuovo by Shane Homes, Excel Homes, Trico Homes www.midtowninairdrie.com

SPRING 2017 CALGARY COMMUNITIES 13

Community Profile

MATTAMY HOMES - AIRDRIE

Own in Airdrie worry-free with Mattamy’s price assurance guarentee

L

ooking to bolster confidence in today’s housing market, Mattamy has brought back the Mattamy Price Assurance Program. “We’ve done our homework and completed extensive market research to ensure that we’re providing our home buyers with the best possible price first,” says Warren Saunders, VP of Sales and Marketing. If the base model price on a pre-sale home is reduced, between the time of sale and closing, Mattamy will credit customers the difference on closing. This limited time program is being offered at Calgary’s Cityscape and Southwinds and The Gates at Hillcrest in Airdrie.

Southwinds, a finalist for Calgary and area’s Community of the Year in 2016, continues to attract families who are looking for more space and a community-minded neighbourhood. “Mattamy takes great care in designing and building our signature master-planned communities,” says Saunders, “just take a walk along the tree-lined streets and you’ll quickly discover what makes Southwinds 14 YPNEXTHOME.CA

so special.” Charming streetscapes feature a seamless blend of contemporary, craftsman, colonial and prairie style architecture. The community’s winding pathways and picturesque streets all lead to Osborne park in the heart of Southwinds, where residents gather year round to connect, relax and play. This September another exciting milestone will occur, when the brand new K-8 public school opens in neighbouring Windsong.

In Mattamy’s newly released phase five Front Drive, single car garage homes, ranging between 1,759 and 1,983 sq. ft. in size, are priced from just $368,990. Front Drive double car garage homes start at $389,990 and range from 1,704 to 2,598 sq. ft. All homes can be personalized with Mattamy’s Architect’s Choice Options and come with a full Design Studio process for interior selections.

“Our most popular model,” says Saunders, “is the threebedroom Garnet, which sits on one of Southwinds’ extra wide 40’ lots.” At 2,255 sq. ft., plus options for a fourth

Just minutes away in The Gates at Hillcrest, Mattamy has recently unveiled their brand new show homes.

bedroom and finished basement, this home offers all the space a growing family needs. The Garnet’s unique and versatile split-level main maximises natural light and features an open-plan kitchen, large living and dining area, and a spacious great room with soaring vaulted ceiling and a balcony. Upstairs, you’ll find the owner’s retreat, with ensuite and his-and-her walk-in closets, two additional bedrooms and a centrally located loft overlooking the great room below.

Just minutes away in The Gates at Hillcrest, Mattamy has recently unveiled their brand new show homes. Value priced from just $299,900, their enclave of 129 manor townhomes and 36 village homes are thoughtfully designed to look and feel like-single family homes. Buyers love the large open-concept plans, ranging from 1,471 to 1698 sq. ft., with oversized windows, entertainment kitchens, second-level loft spaces that can be converted to third bedrooms, and fully landscaped backyards, which range from 22’ to 44’ in length. A limited number of walkout lots, including much sought after west-facing duplex lots, were released in March. Buyers who purchase before construction begins can also personalize their interiors through Mattamy’s Design Studio process, and add Architect’s Choice Options, including the highly desirable Bath Oasis.

For more information, visit mattamyhomes.com.

SPRING 2017 CALGARY COMMUNITIES 15

Advice | MORTGAGE ADVICE

What to consider before buying an investment property

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

AN INCOME PROPERTY can be a good

way to make money, especially in retirement. However, there are some things you need to think about before taking the plunge.

Here are the advantages and disadvantages of buying an investment property: ADVANTAGES » You can use leverage: If you have equity in your home, you can use it to help finance the purchase of another property. In a low-interest rate environment, mortgage rates are lower as are the costs of buying a income property. You’ll build up more equity when you earn rental income to pay down the mortgage. In the future, you could use that additional equity to buy another property or properties but you should ensure you can make larger mortgage payments when rates increase. » You can earn additional income regularly: As long as you have a tenant, you’ll earn monthly income on a regular basis. The more investment properties you have, the more you could potentially earn. You don’t often get regular income from other types of investments. » You get tax deductions: While you’ll earn rental income, you’ll also be able to deduct any expenses. Advertising, insurance, maintenance and repairs, property taxes, and legal fees are just a few of the expenses that are deductible.

It’s best to consult with your accountant to find out what costs you can deduct.

16 YPNEXTHOME.CA

DISADVANTAGES » You may need additional financing: If you want to buy a multi-unit property and intend to live in it, you’ll need a down payment of between five and 10 per cent, depending on the total number of units in the property. But when you purchase a property you don’t plan to live in, you need to put down a down payment of at least 20 per cent. Also, some lenders won’t recognize 100 per cent of the potential rental income you might expect to earn; some may consider just 50 per cent, while other lenders might consider 80 per cent. In other words, you could be forced to make a bigger down payment to qualify for a mortgage. » You might not always have a tenant: Ideally, you’ll earn enough rental income to cover your annual costs.

However, you’ll still need to make mortgage payments without a tenant.

You should be prepared for the worst and have an emergency fund for the times you don’t have someone to rent your place.

» Your property isn’t a liquid investment: If you own stocks or bonds, you can buy and sell them quite quickly.

However, it can take a long time between listing your property for sale and the closing date. This might be a problem if you need the money right away. » You have additional responsibilities: Being a landlord can be a difficult job.

You’re responsible for any maintenance and repairs that need to be done. But there are also some headaches you have to deal with, like a tenant that damages your property or misses a rent payment.

The alternative is to hire a property manager. He or she can take care of those problems but at a cost to you.

While an investment property will provide you with additional income, it’s good to be aware of the pros and cons before you ultimately decide to make a purchase.

Alyssa Furtado is founder and CEO of RateHub.ca, a website that compares mortgage rates, credit cards and deposit rates with the goal to empower Canadians to search smarter and save money.

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Community Profile

QUALICO COMMUNITIES

Ravenswood Qualico’s Ravenswood offer small town charm with enormous attention to detail

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reat design, a wide range of amenities with a small town feel is why people choose to make their home in southeast Airdrie’s Ravenswood. Ravenswood is a Qualico community building in its second to last phase, residents love calling Ravenswood home.

“We are very proud of the fact that our resident satisfaction surveys are 98 per cent positive and that we have record breaking attendance for our events in the community,” says Laura Field, marketing coordinator at Qualico Communities.

Ravenswood offers a family-friendly atmosphere with charming and stylish architecture and a layout allowing a walkable village lifestyle with inviting parks and quiet streets.

Homes in Ravenswood offer amazing value with great access to the many amenities. Ravenswood is also a remarkably tranquil area with very little traffic in the community. Residents can come home and relax after a

hectic day. The community has a variety of housing styles to meet the needs and budgets of many different buyers from first time to move-up. The current phases offer multi-family homes from the $250,000s; duplexes from the $300,000s; laned homes from the $360,000s; front attached garage homes that start in the $430,000s; and semi-estate homes starting from the $500,000s.

“All you need to do is drive through Ravenswood to see for yourself the attention to detail that flows through Ravenswood, it enhances the esthetic of the community,” Field says.

Homes available in Ravenswood present a mix of traditional English architectural styles including Craftsman, Colonial, Prairie, Tudor, Alpine and English Cottage that are thoughtfully designed throughout the community.

“The new showhome parade will emphasize value and showcase pricing that speaks to today’s economy,” Field SPRING 2017 CALGARY COMMUNITIES 19

“All you need to do is drive through Ravenswood to see for yourself the attention to detail that flows through Ravenswood, it enhances the esthetic of the community”

says. “With five well-known builder’s - Broadview Homes, NuVista Homes, McKee Homes, Pacesetter by Sterling Homes all doing single-family homes, and Avalon Master Builder doing multi-family – buyers have a diverse array of choices. With the expertise and craftsmanship represented here, buyers can’t go wrong.”

New showhomes will open June 3, in Phase 7. Some lots available in this phase will be located across from Ecole Francophone, which a Kindergarten to Grade 12 School with a preschool attached. In addition Heloise Lorimer School also serves the community of Ravenswood, accommodating Kindergarten through to Grade 7.

Along with new schools, Ravenswood offers 20.43 acres dedicated to parks, pathways and green space, as well as four playgrounds including a feature park. Ravenswood residents have no problem enjoying a picnic in the park, a leisurely stroll or bike ride in the community. Active 20 YPNEXTHOME.CA

residents will also appreciate the close proximity to Genesis Place, which offers a range of recreational activities.

Residents are within walking distance to the Kings View Market, which provides residents shopping, dining and banking, along with other daily necessities. In Ravenswood, residents have the option to drive to more retail and amenities in CrossIron Mills mall.

Ravenswood offers quick access to downtown Airdrie, as well as Calgary and the QE2 Highway. Ravenswood is the first exit off the QE2 making it an ideal for residents

who travel to Calgary. Next up, Qualico will be building Ravenwood’s final phase in the most south eastern section of the community in 2018, which will include larger estate product.

The builders currently have four showhomes on parade in Ravenswood, which are open to the public Monday to Thursday, 2-8 p.m., and weekends and holidays, noon-5 p.m.

For more information, visit the showhomes or check out www.ravenswoodairdrie.ca.

Inspiration | DESIGNER ADVICE

THE ART OF

LAYERING

By Yanic Simard | Photography courtesy of CB2

When the cool weather rolls in, the wardrobe advice is always the same: dress in layers! This practical idea doesn’t just apply to your closets.

Warm up the look and feel of your home with this guide to layering.

1. Layering fabrics isn’t just for furniture.

Rugs can look amazing layered too.

I love adding a cowhide rug to tie together unusual furniture arrangements or punctuate the centre of a space. A sheepskin-style rug also makes a stylish accent to areas such as the edge of the bed, under a footstool, or even draped over a chair or bar stool for a softer seat.

1

TIP: Layer rugs to get a “patchwork quilt” look that adds drama to your space. Mix five to seven smaller rugs in one room (check out the CB2 photo on this page for inspiration). Alternately, you can use carpet tiles to fake a large rug under your existing one, and fill in the edges of a room.

2. Copper, gold and brass bring a classic yet trendy style and warm undertones without feeling like an overly strong colour. If you’re timid (or already invested in silver), start small by layering these metals in with accents such as frames, tableware and lamps. The mix of silver and gold hues creates a subtle Art Deco-inspired vibe, so there’s no reason not to sprinkle one in, while letting the other dominate.

TIP: Bronze tealight votives reflect an extra-warm glow. Line up three, five or seven (odd numbers work best) on a silvery tray or cart for a contrast statement and sparkling mood-lighting.

Bronze Rose Tealight Holder (pictured top); Talis Gold Hammered Platter (pictured top). Visit ysselected.com 22 YPNEXTHOME.CA

3. Pillows are one of my favourite ways to add style – they can move from living room to bedroom and beyond, and dress a room up, or down. Rather than picking dramatic new colours, grab some neutral but bold patterns that can layer behind your existing favourites for a more filled-in feel.

TIP: For my YSS collection, I wanted a dash of liveable safari style, so I tamed a tiger print pillow in a warm tan and winter-white. An animal print like this adds unexpected drama standing alone on your dining chairs, or slinking between the sofa cushions. Safari Tiger Print Crewel Embroidered Square Cushion. Visit ysselected.com

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MORE INSPIRATION ONLINE

3

ypnexthome.ca/news/inspiration

4. Lush textures are great for adding warmth to the eye and the hand. A sumptuous blanket, folded neatly at the end of a bed or tossed casually on a sofa, adds some interchangeable luxury and can move between rooms for new looks.

TIP: Spread a blanket across the cushions of a sofa and tuck it in at the edges, for a noncommittal contrastupholstery look. Pictured left: Chevron Jacquard Cotton Throw; Aspen Deluxe Faux Fur Throw. ysselected.com 5. Don’t forget the vertical surfaces!

An extra layer of drapery helps avoid heat loss through windows, so consider mixing a sheer layer with a heavy blackout-lined layer – you can keep your existing curtains and add a double rod.

Pillows are one of my favourite ways to add style — they can move from living room to bedroom and beyond, and dress a room up, or down

4

TIP: A lightly patterned inner sheer (try a tone-on-tone white) under a solid heavy drape, draws the eye’s attention to the layered effect by adding drama to the background instead of the foreground.

Yanic Simard is New Condo Guide’s design editor, principal designer of award-winning Toronto Interior Design Group (tidg.ca), and regular guest expert on City’s Cityline.

SPRING 2017 CALGARY COMMUNITIES 23

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9

01 HERITAGE HILLS

DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Trico Homes

02 JUMPING POUND RIDGE

www.jumpingpoundridge.com BUILDERS: WestView Builders, Kingsmith Homes

03 SUNSET RIDGE

DEVELOPER: Melcor BUILDERS: Jayman BUILT, Janssen, Calbridge, Landmark Homes, Excel Homes, Homes by Avi www.liveinsunsetridge.ca

04 RIVERSONG

DEVELOPER: Tamani Communities BUILDERS: Jayman BUILT, Trico Homes

05 MONTERRA ON COCHRANE LAKE DEVELOPER: Medallion Development Corp.

BUILDERS: Prominent, Modena, Cornerstone, Brooklyn, Astoria Custom Homes

06 WESTPOINTE ESTATES

DEVELOPER: MGM Developments.

BUILDERS: Mapleland Homes, Kingsmith Homes

08 HEARTLAND

DEVELOPER: Apex Developments BUILDERS: Excel Homes, Jayman BUILT, Birchwood Homes www.heartlandcochrane.com

09 THE WILLOWS OF RIVER HEIGHTS

DEVELOPER: La Vita Land Inc. BUILDERS: Janssen Homes, Kingsmith Homes, NuVista Homes and Sterling Homes

07 FIRESIDE

DEVELOPER: La Vita Land BUILDERS: Calbridge, Janssen, Kingsmith, Landmark, ReidBuilt Homes www.firesidecochrane.com

SAVE UP TO $100,000* GET MORE FOR LESS WITH A HOME IN COCHRANE

Enjoy 6 different showhomes and more money in your pocket.

Visit a Jayman Showhome today to learn more * Save up to $100,000 when comparing an Emerge 26 and an Emerge 26-4 between in Evanston & Heartland. Price Subject to change.

SPRING 2017 CALGARY COMMUNITIES 25

Insight

Make your landscaping dreams a reality

By Brad Jackman

CALGARY’S LONG SNOWY winter is finally coming to an end. With

the sun shining and trees and plants ready to bloom, you may be starting to think more about landscaping. Landscape 360 would like to highlight a few ideas homeowners can contemplate before they begin the process. Hiring a landscape contractor should be exciting and satisfying. However, this can be a very discouraging time for some homeowners, unsure of where to begin, what you want it to look like and who to talk to. Here are a few tips to guide you through a satisfying construction experience and turn your landscape dreams into reality.

26 YPNEXTHOME.CA

Know your options. When deciding which landscape company to hire, it’s beneficial to do your research. Ask to see their portfolio, view their website and look into some of the products yourself. Most importantly ask lots of questions.

Landscape construction can be done very differently. Hire a company that uses quality equipment, utilizes the best products available and installs everything professionally. Ask to speak with former clients who have had similar projects to the one you’re considering. Your options include patios, lighting, decks, walkways, garden beds, trees, plants and fences to

It is important to understand that quality landscaping requires substantial investments of time and money. Thus having a budget and planning around that budget will be crucial.

irrigation, drainage solutions, boulders, retaining walls, water features, decorative concrete, outdoor cooking and fire pits.

Clearly, there are many choices, and it pays to explore all your options carefully.

It is important to understand that quality landscaping requires substantial investments of time and money. Thus, having a budget and planning around that budget is crucial.

It is also common for work to be split up over consecutive summers, easing some of the financial burden while creating your backyard sanctuary. Depending on what is required for labour, equipment and materials, it may be more or less of an investment one season to the next.

One should also consider what kind of space is desired.

Must it be safe for children? How much entertaining do you do? Are you a gardening green thumb? These are the types of important questions you should have answered in order to create a landscape concept that works for you.

Landscape 360 is focused on providing our clients with professional landscape construction from design to completion. With experience, creativity, hard work and dedication, we will exceed your expectations. The service and product we provide will withstand the toughest elements, while giving your home a personality. With a commitment to quality, Landscape 360 is driven to establish strong relationships with each client. Please contact our office if you are interested in a professional landscape consultation.

Landscape 360 Professional Landscape Construction 403.452.0360, landscape360.ca Like us on facebook SPRING 2017 CALGARY COMMUNITIES 27

1 Auburn Bay Showhomes: Auburn Bay Blvd. SE Auburn Sound Manor SE Auburn Bay Gardens Developer: Carma Builders: Heartland Homes | Cardel Homes | Cedarglen Homes | Baywest Homes | Jayman MasterBUILT | Albi Homes | Morrison Homes

2 Copperfield Developer: Hopewell Residential Communities Builders: Broadview Homes | Coco Homes Sabal Homes | Stepper Custom Homes

17 AVE

3 Cranston Developer: Carma Builders: Albi Homes | Beattie Homes | Cardel Homes | Cedarglen Homes | Trico Homes

Cranston Estates Showhomes: Corner of Cranston Ave.& Cranarch Rd.

4 WALDEN Showhomes: Walden Rise SE Developer: Genstar Builders: Shane Homes | Cardel Homes | Innovations

by Jayman | Excel Homes

MORE VOIR

HLAND DRIVE

DERSON ROAD

24 STREET

Builders: Albi Homes | Landmark Homes | Baywest Homes

Developer: Carma EEK PARK

Showhomes: Mahogany Heath SE. Developer: Hopewell Builders: Jayman MasterBUILT | Sabal Homes | Stepper Custom Homes | Trico Homes

6 McKenzie Towne Developer: Carma

ELGIN VILLAGE Showhomes: Elgin Meadows Green SE. Elgin Estates Park SE. Builders: Cardel Homes | Homes by Avi | Albi Homes | Heartland Homes VILLAGE OF PRESTWICK Showhomes: Prestwick Blvd SE. Builders: Cedarglen Homes | Jayman MasterBUILT

7 New Brighton

Showhomes: New Brighton Dr. SE. Developer: Carma Builders: Beattie Homes | Cardel Homes | Cedarglen Homes | Morrison Homes | Heartland Homes | Homes by Avi

T VI

JAMES McKE

5 Mahogany

2 AVENUE

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CRANSTON AVE. SE

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4

08 QUARRY PARK

DEVELOPER: Remington Corporation BUILDERS: Cardel Homes, Birchwood Properties, Albi Homes

09 LEGACY

DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Sterling Homes, Creations by Shane Homes, Jayman BUILT, Calbridge Homes, Morrison Homes www.legacylife.com

DEVELOPER: Genstar BUILDERS: Cardel Homes, Excel Homes, Homes by Avi, California Homes, Avi Urban, Cedarglen Homes www.waldenliving.ca

05 MAHOGANY

DEVELOPER: Hopewell Residential BUILDERS: Jayman BUILT, Hopewell Residential, Stepper Custom Homes, Homes by Avi, Excel Homes ESTATE BUILDERS: Calbridge Homes, Morrison Homes, Homes by Avi www.mahoganyliving.com

06 McKENZIE TOWNE

9

01 AUBURN BAY

DEVELOPER: Brookfield Residential BUILDERS: Albi Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Morrison Homes, Landmark Homes, Baywest Homes, Brookfield Residential RIVERSTONE OF CRANSTON BUILDERS: Albi Homes, Cedarglen Homes, Landmark Homes, Baywest Homes, Calbridge Homes, Brookfield Residential www.livecranston.ca

04 WALDEN

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IVE DR

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DEVELOPER: Brookfield Residential BUILDERS: Brookfield Residential, Cedarglen Homes, Baywest Homes, Jayman BUILT, Albi Homes, Morrison Homes, Discovery Homes www.liveauburnbay.ca

02 COPPERFIELD

DEVELOPER: Hopewell Residential BUILDERS: Hopewell Residential, Stepper Custom Homes

DEVELOPER: Brookfield Residential BUILDER: Mosaic Townhomes: Brookfield Residential www.livemckenzietowne.com

07 NEW BRIGHTON

DEVELOPER: Brookfield Residential BUILDERS: Cedarglen Homes, Morrison Homes www.livenewbrighton.ca

SPRING 2017 CALGARY COMMUNITIES 29

Advice | FUNDAMENTALLY SPEAKING

6 tips for first-time homebuyers

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

PLANNING TO BUY YOUR FIRST home

and not sure where to begin? Here are six home-buying tips to help you prepare.

1. Get with the programs There are various government programs available to help you buy a home.

Home Buyers’ Plan (HBP): The HBP allows first-time buyers to withdraw up to $25,000 from their RRSP to put toward a down payment on a home. You have up to 15 years to repay the funds.

First-Time Home Buyers’ Tax Credit (HBTC): Eligible first-time buyers can apply for the FTHB to help offset the costs associated with purchasing a home, such as legal fees, disbursements and land transfer taxes.

The credit can provide up to $750 in federal tax relief.

More information on these programs is available at cra.gc.ca 2. Explore your options First-time buyers can purchase a home with as little as five per cent of the purchase price as a down payment – as long as the property is less than $500,000. Anything higher than that, and the minimum down payment for the portion of the price higher than $500,000 is 10 per cent. So, assuming your price range is at that threshold, you’ll need to come up with at least $25,000. At that purchase price, depending on the market you’re in, this could mean you’d then be looking at a condo or townhome, instead of a detached home.

30 YPNEXTHOME.CA

3. Check with the bank of mom and dad If your parents are Baby Boomers who have had the good fortune of building equity over the years, as they paid down their mortgage while the value of their property multiplied, well… they may be in a position to help. Many buyers are hitting up the bank of mom and dad. In the last two years, 28 per cent of first-time buyers called on the bank of mom and dad to help finance their purchase; from 2010 to 2014, only 17 per cent did.

4. Become tech savvy Mortgage consumers are becoming very tech savvy. In the Canada Mortgage and Housing Corp. (CMHC) 2015 Mortgage Consumer Survey, 78 per cent of respondents researched online, with 70 per cent using an mortgage calculator to help determine their payments. And social media is playing a more important role – 20 per cent used sites such as Facebook to learn more, 17 per cent used a mobile device, and of those, 22 per cent used a mortgage related app. And these figures are growing.

5. Befriend a broker or banker Like many things in life, it’s all about

relationships. And whether you use a broker or a banker to secure a mortgage, you’ll likely come to value the relationship.

In the same CMHC survey referenced in Tip 4, consumer loyalty strengthened the longer people stayed with their lender.

But since we’re talking about money, people are willing to switch lenders to get a better rate and save – a fact which is much more prevalent for bankers than brokers. And because brokers are able to offer products from multiple lenders, as opposed to bankers who offer only the products of their own institution, the market share held by brokers is growing notably, particularly among repeat buyers.

6. Research, research, research These days, with prices rising as they are and uncertainty in some markets, research is a must. Everything from your target area, desired housing type, builder or realtor, finances, how much you can afford, who you borrow from and the structure of your mortgage – take your time. Don’t rush anything. Anything.

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at Twitter.com/WayneKarl.

TOWNHOMES VILLAS MOVE UP

Homes from the mid $400s to over $1 million

ESTATE LUXURY ESTATE

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With Cranston’s many shops and services next door and Fish Creek Park in your backyard, Riverstone is a purposefully built community that’s a natural fit for you and your family.

ALBI | Cedarglen | Baywest Brookfield Residential Calbridge | Trico

ExperienceRiverstone.com

north

5 Sherwood Showhomes: 1228 Sherwood Blvd.

Developer: Genesis Development Corp Builders: Majestic Homes

6 Beacon Heights

Showhomes: Sherwood Crescent NW

Developer: Intergulf Cidex Builders: Trico Homes/Intergulf Cide

7 Tuscany Hillside Estates

Showhomes: Tuscany Estates Rise NW Developer: Carma Builders: Landmark Homes | Albi Hom

8 Kincora

Showhomes: 115 Kinkora Glen Rd. N

Developer: Genesis Land Development Apex Developments Builders: Evolution Homes | Majestic H Excel Homes | Centrex Hom

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02 EVANSTON

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NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

DEVELOPER: United Communities 11 Milano BUILDERS: Homes by Avi, Showhomes: Panatella Homes, Hill NW Morrison Homes,99Shane Builders: Trico Homes Sterling Homes, Trico Homes, Jager Homes, Pacesetter Homes, Creations by Shane Homes www.nolanhillunited.com

Communities RanchNuVista, 10 Hanson BUILDERS: Broadview, Kinkora Glen Rd. NW Showhomes: Hidden Creek Blvd. NW Trico Homes, Pacesetter Homes, Developer: Cedarglen Homes | Cardel Homes s Land Development Corp. | 05 BEACON HEIGHTS Sterling Homes, Jayman BUILT Developments Builders: Genstar DEVELOPER: Intergulf Cidex n Homes | Majestic Homes03 | SAGE HILL BUILDER: Trico Homes, Intergulf mes | Centrex Homes DEVELOPER: United Cidex Communities BUILDERS: Pacesetter Homes

07 SAGE MEADOWS

DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.genesisland.com

13 SHERWOOD

DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group www.lifeinsherwood.com

14 MOUNT PLEASANT

BUILDER: Landmark Homes www.landmarkgroup.ca

08 VALLEY POINTE ESTATES

15 SYMONS GATE

09 BEARSPAW WILLOW CREEK

16 CARRINGTON

DEVELOPER: Melcor BUILDERS: Landmark Homes, Albi Homes

BUILDERS: Astoria Custom Homes, Hyatt Homes, Laratta Homes, Mckinley Masters Custom Homes

DEVELOPER: Brookfield Residential BUILDERS: Brookfield Residential, Jayman MasterBuilt, Morrison Homes DEVELOPER: Genstar BUILDERS: Excel Homes, Jayman MasterBuilt

10 WATERMARK AT BEARSPAW

#1 Community in Canada* DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes, Trickle Creek Homes, Wolf Custom Homes, NewWest Luxury Homes www.watermarkatbearspaw. com

11 EVANSRIDGE

DEVELOPER: Dream Development BUILDERS: DS Homes, Homes by Avi, Genesis Builders Group, Morrison Homes, WestView Builders, Stepper Custom Homes, Calbridge Homes, Homes by Dream

12 ROCK LAKE ESTATES DEVELOPER: Decker Management BUILDERS: Crystal Creek Homes, Lupi Luxury Homes, Jager Homes

Meet your perfect fit in Nolan Hill

SPRING 2017 CALGARY COMMUNITIES 33

start your search here.

Whether you’re renting or buying, finding your next home has never been so easy.

Community Profile

QUALICO COMMUNITIES

Qualico’s Evanston one of Calgary’s establish northwest communities with beautiful new homes

I

magine being able to buy a brand new home in an established Northwest community, with local amenities, parks, playgrounds, pathways and schools that your children or future children can walk to. Evanston by Qualico communities is a flourishing Northwest community with newly released lots and a showhome parade opening May 27.

“Evanston is the northwest community that allows families to connect, no long commutes to take your children out of the community for activities or play dates,” says, Garett Wohlberg, Qualico Communities’ Director - Planning & Communications. “You can get to know your neighbours and find a home within your budget, says Wohlberg.”

Evanston is nestled on a high point in scenic Symons Valley giving residents picturesque views of the valley.

Evanston spans 660 acres and includes attractive amenities such as four landscaped ponds, pathways and recreation areas, and a storm water pond with picnic areas and a

sheltered gazebo. There are currently five playgrounds, with two new ones coming this summer, and 14 green spaces.

There are baseball diamonds and soccer fields, making it ideal to get outside with your family and play.

“It’s also one of the city’s most recently established communities with a full set of easy-living amenities readily at hand,” says Wohlberg. “Residents don’t have to wait years for schools or groceries as they are already found within the community.” The great part of buying now is that customers will get a new home in an established community that comes complete with a public elementary school that is now open, in addition to a Catholic K-9 school,” he added.

Evanston attracts couples buying their first single-family homes or multi-family condos, to families searching for their move-up home, downsizers and even seniors seeking assisted living. There truly is something for everyone.

“Evanston provides home options for everyone’s taste, SPRING 2017 CALGARY COMMUNITIES 35

“Evanston provides home options for everyone’s taste, lifestyle and budget”

lifestyle and budget,” Wohlberg says. These include: townhomes starting in the $240,000s by StreetSide Developments (The Loop in Evanston), Brookfield Residential (The Link at Evanston) and Partners Development Group (ARRIVE at Evanston); duplexes from the $390,000s

by Broadview Homes and Pacesetter by Sterling Homes; laned homes from the $420,000s by Broadview, Pacesetter, Sterling and Trico Homes; and move-up homes from the $450,000s by Broadview, Jayman BUILT, NuVista Homes, Sterling and Trico.

In addition to the schools at Evanston Towne Centre, residents can walk to get groceries at Sobeys, visit the drug store, grab a bite, do their banking or get a haircut. A second commercial site is planned with a Tim Horton’s and 36 YPNEXTHOME.CA

a gas station. In Evanston you are also conveniently located to access other areas, especially when 14th street access opens up.

Evanston is conveniently located with easy access to Stoney Trail, Symons Valley Road/Beddington Trail, Country Hills Boulevard and Deerfoot Trail. Plus with Stoney Trail nearby, residents have easy access to CrossIron Mills mall and the airport.

For more information about Evanston, visit the showhomes, open Monday to Thursday, 2-8 p.m., and Friday, Saturday and Sunday, noon-5 p.m., or visit www. evanstoncommunity.com. The newly released lots are available now with the showhome parade open May 27.

SPRING 2017 CALGARY COMMUNITIES 37

ExperienceLivingston.com

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Trending

Out in the open: Calgary’s top patios

By Giselle Wedemire CALGARIANS ARE KNOWN to do three things once temperatures “soar” above zero: don their best flip-flops, dig their summer shorts out of storage, and head to the nearest outdoor patio. Here are some favourite patios to check out.

Broken City Social Club 613 11 Ave. SW Between the graffiti-laden walls, the eclectic soundtrack and the ATM housed in a wooden replica of Doctor Who’s time- and space-traveling TARDIS, the rooftop patio at Broken City is the epitome of laid-back summer cool. To avoid the scorching heat and a potential sunburn, pop by for a spot of boozy weekend brunch between 11 a.m. and 2 p.m. before other patrons awaken from their hibernation. If afternoon or evenings drinks are more your speed, any of the beers on tap work beautifully with the mainstays of their regular menu.

Ricardos Hideaway 1530 5th St. SW Once you set foot in Ricardo’s Hideaway, it’s hard to walk away. With its extensive rum and cocktail menu and its luscious Caribbean aesthetic that extends to the staff’s cabana wear, Ricardo’s has a nearly palpable resort-like feel that makes even the shortest of pit stops feel like a laid-back day at the beach. Sip on a Mai Tai, kick your feet up and feel your worries slip away.

National On 8th 360-225 7 Ave. SW Standing in stark contrast to the dark and moody atmosphere of the bar’s interior just one floor below, the rooftop patio at the Stephen Avenue location of National is a hedonistic delight packed with beautiful people, outdoor games and a wide variety of drinks and delectable pub grub. Blow off some steam and catch up with loved ones over happy hour drinks from 3 to 6 p.m., when all draft drinks are $0.25 per ounce.

40 YPNEXTHOME.CA

Ship & Anchor Pub 534 17 Ave. SW What this bare-bones open-air patio lacks in ambiance, it makes up for in notoriety.

On any given warm day in Calgary, the Ship’s patio fills up with locals and regular patrons in the blink of an eye.

We recommend claiming a spot early in the day to get the most of this pub’s vegan- and celiac-friendly eats and the spectacular people-watching that’s made possible by its prime 17 Avenue location.

are your thing, Wurst is the place for you. Combining rustic wood with an effortless, chic style worthy of an HGTV feature, the spacious patio at this Mission watering hole is perfect for relaxing in the shade on a warm, sunny day. For those looking for a more long-term solution to beat the heat, set up shop at this patio and order a boot of beer, which provides beer-lovers with two litres of their favourite brew in a glass cowboy boot.

Blanco Cantina

Julios Barrio

723 17 Ave. SW With lush greenery on the walls and brightly coloured patio furniture decorating its 30-seat patio, this 17 Avenue hot-spot’s outdoor space screams fun and vibrancy, which makes sense when you consider that Blanco Cantina specializes in Tex-Mex tacos and inventive margaritas. Few things complement patio weather better than margaritas and tacos, and here you can experience them all in perfect harmony while taking a break from shopping the area’s boutiques.

1110 Memorial Dr. NW Enjoying a cool drink on a hot day is often prize enough, but from the Spanish-style second-level patio at Julio’s Barrio, the experience is elevated to a sublime level thanks to the gorgeous view of the downtown core and the Bow River. With the nearby trains, trails and bike paths, becoming the designated driver is a non-issue, which means you can hunker down and beat the heat with one of Julio’s Barrio’s famous slushy bulldogs.

Wurst Restaurant

This content was originally published on YP.ca. Read more YP travel tips and city guides at yp.ca/tips

2437 4 St. SW If craft beers and decadent burgers

AV

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01 MYSTIC RIDGE

DEVELOPER: La Vita Land BUILDERS: Calbridge Homes www.mysticcalbridge.com

02 CURRIE BARRACKS

16 AVENUE

7 BOW TRAIL

ORI

04 CRESTMONT

DEVELOPER: Qualico Communities BUILDERS: Augusta Fine Homes, NuVista Homes

ELBOW DRIVE

BLACK FOOT TRAIL

2

06 DRESSAGE IN SILVERADO

DEVELOPER: Qualico Communities BUILDERS: Baywest Homes, Augusta Homes

07 WESTLAND ESTATES

BUILDERS: Baywest Homes, WestView Builders www.westlandestates.ca

GLENMORE RESERVOIR MACLEOAD TRAIL

08 WEST GROVE ESTATES

SOUTHLAND DRIVE

DEVELOPER: Truman BUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes, Augusta Fine Homes, West Grove Estates, Shane Homes, Truman Homes

ANDERSON ROAD

09 SHAWNEE PARK BOTTOM TR

24 STREET

FISH CREEK PARK

9

JAMES

DEVELOPER: Truman BUILDERS: Sane Homes and Truman Homes

SHAWNESSY BLVD.

37 STRE

11 ASPEN WOODS ESTATES

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DEVELOPER: Cardel Homes BUILDERS: Cardel Homes www.cardelhomes.com

10 WEST GROVE POINT

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DEVELOPER: Legend Developments

17 AVENUE

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BUILDERS: Crystal Creek Homes, Empire Custom Homes, Avi Urban, Calbridge Homes, Core Properties, Jayman Modus, Slokker Canada West

03 SPRING VALLEY

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NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

DEVELOPER: Springbank Land Company Ltd. BUILDERS: WestView Builders, Truman Homes, Crystal Creek Homes, and Homes by Us.

12 SPRING GLEN VIEW ESTATES OF SPRINGBANK HILL

DEVELOPER: Kempra Developments Ltd. BUILDERS: Knightsbridge Custom Homebuilders Ltd. springglenview.ca knightsbridgehomes.com

Theunified, unified, respected voice advocating for thefor the build The respected voice advocating building industry in Calgary and the region.

The unified, respected voice advocating for the building industry in Calgary and the region.

•

Learn more at bildcr.com •

•

Learn more at bildcr.com • SPRING 2017 CALGARY COMMUNITIES 41

Advice

12 STEPS TO

SQUEAKY CLEAN

1

LIMIT YOUR CLEANING PRODUCTS...

TO SOFTEN SPLATTERS...

to a quality window/glass cleaner, all-purpose cleaner, tile/grout cleaner and a toilet bowl cleaner.

inside the microwave, fill a cup with water and microwave on high for a few minutes. The steam will loosen any baked on food so you can easily wipe it clean. Before wiping the microwave, remember to be extra careful when removing the cup of water as it will be hot.

In each room, clean from the top to bottom starting on the left and moving right. This really is the quickest and most efficient way to thoroughly clean your home.

3

ALWAYS USE THE MOLLY MAID SYSTEM FOR CLEANING

8

DISH CLOTHS AND SPONGES CAN BE INCUBATORS FOR GERMS

Wash dish cloths regularly, and microwave damp sponges on high for several minutes to kill bacteria. Even better, toss the sponge and stick to microfibre cloths, which dry quickly when hung up and help prevent the spread of germs.

USE A TOOTHBRUSH...

ALWAYS DUST THE ROOM FIRST, AND THEN VACUUM.

4

To dampen, hold the cloth by a corner and lightly mist with clean water from a spray bottle. The cloth should be just damp enough to pick up dust without leaving moisture streaks on the furniture surface.

10

WINDOW STREAKS ARE TRICKY TO ELIMINATE

When cleaning windows, wipe the inside of the glass horizontally and the exterior side vertically. This way, it will be easy to determine if the streaks are on the inside or outside.

ARE THERE COBWEBS... in hard-to-reach corners and crevices? Get rid of them quickly and easily with a feather duster, which can reach into difficult places to dislodge cobwebs and dust. Another tip: use the feather duster on lamp shades, which can look a bit grey and dustridden in the daylight.

IF THERE’S PET HAIR ON UPHOLSTERY... a damp microfibre cloth or rubber glove will easily remove it.

BEFORE DAMP MOPPING...

6

sweep or vacuum floors first to collect crumbs and dirt.

Then, always start washing the floor in the farthest corner of the room and work your way toward the door. Use a damp cloth on the end of a mop handle to reach the narrow space between appliances. This will also help to get rid of cobwebs.

HERE’S A SIMPLE WAY TO DE-SCALE THE KETTLE:

12

11

Fill the kettle half-andhalf with white vinegar and water and leave it to soak overnight. Using an old toothbrush, dislodge any stubborn bits of lime scale. Rinse out thoroughly a couple of times and then boil some water to eliminate any odour of vinegar.

If these cleaning ideas sound a bit daunting, contact Molly Maid, the cleaning experts at mollymaid.ca 42 YPNEXTHOME.CA

9

for hard-to-reach areas in the bathroom and kitchen (for example, around the soap holder, taps and drain).

That way any bits of dust or dirt that fall to the floor as you’re dusting will be picked up by the vacuum cleaner.

THE BEST DUST CLOTH IS A DAMP, CLEAN, MICROFIBRE CLOTH

5

2

7

Community Profile

QUALICO COMMUNITIES

Crestmont West Qualico’s Crestmont West offers the same mountain neighbourhood at a new, exciting price

C

algary’s southwest is about to be a buzz with new housing options in the already established Crestmont Community. The previous phase that was developed in Crestmont was estate living, while the next phase will include a variety of housing options. Southwest Calgary has little land left to be developed and very few city approvals for new development. Lots in this desirable quadrant are already in high demand.

“We’re launching Crestmont West this fall, which will roll out Phase 9 and bring in new product lines that have never been offered before – duplexes and 34’-38’ foot lot single-family homes with front attached garages,” says Cheryl Heilman, Qualico Communities’ marketing manager. In previous phases single-family homes sit on lots 44’-130’ wide.

Crestmont is located on the western edge of the city, just south of the TransCanada Highway. Residents of Crestmont have access to both the TransCanada and Stoney

Trail, with easy connections to other thoroughfares creating a quick commute to downtown or to the mountains. This fall construction will start on the road to Old Banff Coach Road from Crestmont. This will allow for easier access to shopping and entertainment options in Aspen Landing, West Springs, Westhills and Signal Hill.

There are many schools children can attend and with the new link to 85th avenue, Crestmont residents will have easy access to private schools such as Webber Academy, the Waldorf School and Calgary French and International School.

The community itself is in a very desirable location but the pricing is in even more attractive. Duplexes will start at $490,000 from Trico Homes, and single family homes will start at $570,000. Builders of the single family homes include, Broadview Homes, NuVista Homes and Sterling Homes.

Homes in this new phase will feature Arts & Crafts Style, French Country Style, Prairie Style, Colonial Style, Tudor Style, Contemporary Style, and Mid Century Modern Style.

SPRING 2017 CALGARY COMMUNITIES 43

“We’re really excited because there is such a demand for this type of housing in the southwest and this offers a tremendous opportunity for people to live in an estate area at an affordable price”

“We’re really excited because there is such a demand for this type of housing in the southwest and this offers a tremendous opportunity for people to live in an estate area at an affordable price,” Heilman says.

Crestmont West will feature a 3.6-acre park and a 3.5acre wet pond with a 6-acre park and pathway. Nestled among the trees Crestmont offers an incredible location featuring valley, river and mountain views, rolling hills and a tranquil setting. Portions of the community have been dedicated to the protection of lush natural aspen forest, creek bed and the vast array of wildlife.

Residents can also enjoy numerous amenities including the Crestmont Hall and spray park, beautifully manicured gardens, pond with a fountain, and a children’s playground which are all sustained through the Crestmont Homeowner’s Association. In addition, the Crestmont HOA organizes annual events for homeowners such as the children’s and adult’s Christmas parties, movie in the park and a favourite, 44 YPNEXTHOME.CA

the annual Stampede breakfast.

The community is located near numerous amenities such as skiing and other activities at Canada Olympic Park, golf in nearby Valley Ridge, recreational opportunities at the Westside Recreation Centre and Crowfoot YMCA, and post-secondary education at the University of Calgary, SAIT and Mount Royal. Stoney Trail also provides an easy route to the airport. The Children’s hospital and the Foothills hospital are also an easy commute from Crestmont. Crestmont and surrounding neighbourhoods will have access to a newly developed commercial retail area - Calgary West, which is slated to be finished before 2019.

Builders will open a total of six showhomes October 7, 2017, register online to get frequent developer updates at www.crestmont.ca.

For more information about Crestmont and its builders or to register, visit www.crestmont.ca.

SPRING 2017 CALGARY COMMUNITIES 45

Trending

Alberta forecast to top economic growth among provinces in 2017 ALBERTA IS POISED to have the strongest economic growth in 2017, mainly due to fast-rising oil production, according to The Conference Board of Canada’s Provincial Outlook: Winter 2017. Former leaders, British Columbia and Ontario, will see the pace of economic growth ease this year, but they will still deliver a solid performance.

“Following two tough years stemming from widespread weakness in the energy sector, Alberta’s economy finds itself with the strongest economic growth this year,” says Marie-Christine Bernard, associate director, provincial forecast, The Conference Board of Canada. “Along with a big increase in oil production, some of the growth in Alberta will come from the rebuilding efforts in Fort McMurray. However, we expect more subdued economic growth next year as oil prices are

not expected to increase very much.

Beyond Alberta, all provinces are forecast to see positive economic growth in 2017, with the exception of Newfoundland and Labrador.”

Alberta’s real GDP (gross domestic product) is forecast to grow by 2.8 per cent this year, the fastest among the provinces, with 0.4 percentage point coming from the rebuilding efforts in Fort McMurray.

Also contributing to the province’s growth is a more stable outlook for the energy sector following the recent OPEC agreement to cut oil production, which will allow oil prices to average almost US$60 a barrel for the West Texas Intermediate by the end of 2018.

Although investment in the energy sector will not be increasing at a fast pace, total exports are expected to increase this year due to robust oil

MORE TRENDING ONLINE ypnexthome.ca/news

production gains as new oil sands projects come online. Another positive development for Alberta down the road is the federal government’s conditional approval of the Enbridge Line 3 Replacement project and Kinder Morgan pipeline.

North Calgary Region

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

01 VISTA CROSSING IN CROSSFIELD DEVELOPER: Dream Development BUILDERS: McKee Homes, Reidbuilt Homes, Homes by Dream

575 CROSSFIELD

1

72

2

567 AIRDRIE

SPRING 2017 CALGARY COMMUNITIES 47

549

338 AVE. E. OKOTOKS AIR RANCH

2A YSTAL SH OR ES RD.

BANN

R.

ISTER CR GATE

ID GE D

SANDSTONE DR.

NO RT HR

5 MOUNTAINVIEW DRIVE

CRYSTAL RIDGE GOLF CLUB

1

MILLIGAN DR.

MOUNTAINVIEW GATE

OKOTOKS

549

3 32 ST. E.

2A

WEST

370 AVE. E.

2B

N

32 ST. E.

2A

AR

CIMA

O RR

4

WESTLAND ST.

SOUTHRIDGE DR.

WESTLAND ST.

RO N TR A I L

D R.

CIMARRON BLV D.

RI

DG E

CIM

49

Okotoks

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

LVD.

7

2A

01 OKOTOKS AIR RANCH & RANCHERS’ RISE

04 WESTMOUNT

02 CIMARRON

05 MOUNTAINVIEW

DEVELOPER: Bordeaux Developments BUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes DEVELOPER: Tristar Communities BUILDERS: Trico Homes, Coco Homes, Timbercreek Homes, WestView Builders, Kunz Homes

DEVELOPER: Prominence Development Corp.

BUILDERS: Cornerstone Homes, Gramercy Homes, Carpenter Homes www.mountainviewokotoks.com DEVELOPER: Apex Developments BUILDERS: Excel Homes, Sterling Homes

03 DRAKE LANDING

DEVELOPER: United Communities BUILDERS: Lifestyle Homes, Sterling Homes, Prominent Homes

Growing Places

We are a land development and home building company that strives, solves and evolves to create better spaces and stronger communities. We are Growing Places.

anthemunited.com SPRING 2017 CALGARY COMMUNITIES 49

Advice | CALGARYISM

Is Alberta’s economy making a comeback?

By Cody Battershill

WHEN WILL THE latest economic downturn in Alberta finally come to an end? It’s a question that many people are wondering, given our province’s current state of affairs, especially for those who are looking to make a move in real estate.

Unfortunately, no one can tell what’s in store for our province, but there have been some positive indicators recently that Alberta’s economy – and housing market – may just very well be on the up.

1. Job numbers slightly improve Despite the fact that thousands of Albertans who’ve lost their job since 2014 are still unemployed, the latest employment report from Statistics Canada shows a modest improvement in February 2017.

Approximately 18,000 part-time jobs were lost last month, but that was offset by a gain in 19,300 full-time jobs, showing somewhat of an increase in the quality of work available in the province. Furthermore, the number of people currently working or looking for work fell by 14,100 in February.

Combine the drop in size of Alberta’s work force with a modest growth in job opportunities, and you get an unemployment rate down to 8.3 per cent in February from 8.8 per cent the previous month.

Statistics Canada’s job report for February shows a potential job-increasing theme that could play out throughout the rest of 2017, although many employers are still hesitant about hiring too many 50 YPNEXTHOME.CA

people back onto the workforce just yet. It is predicted, however, that job opportunities will continue to increase as the year plays out.

2. New housing starts slightly improve New housing starts are a good indicator of consumer confidence and can be used to assess where Alberta sits in its ever-changing economic cycle.

Home builders managed to find more new projects in February of 2017 compared to the previous month, suggesting that Alberta may be beginning to emerge from two years of economic downturn. Approximately 27,000 homes were started during the month, a substantial 40-per-cent

increase over January and 17-per-cent gain on a year-over-year basis. These figures are seasonally adjusted and reported at annualized rates, meaning that they reflect the number of homes that would be constructed over a 12 month period if the same pace was kept up for that period of time.

However, it still really is too early to tell if the pace seen in February will keep up for the remainder of the year. Economic forecasts predict only a modest upturn in the province’s economy throughout 2017, with employment opportunities slow to follow. The same goes for housing starts, which have a long road ahead before they return to higher levels seen before 2014.

» 55 per cent sales-to-new-listing ratio, a 16-per-cent increase on a yearover-year basis » Semi-detached sector beginning to see stability, with 2.4 months of supply » $501,900 benchmark price for detached homes, slightly higher than in January of 2017 but one per cent lower on a year-over-year basis » North, West and East districts experienced modest detached benchmark price gains on a year-overyear basis All of Calgary’s residential sectors have responded differently to Alberta’s economic downturn over the past two years. For example, as Calgary’s detached sector begins to move towards more stable conditions, others such as the apartment sector continue to struggle.

Today, the housing sector is deep into buyers’ territory meaning it’s much more advantageous to be buying right now than selling. You may just find that home or condo you’ve always wanted that’s listed for a much more affordable price today than it would have been a year or two ago.

For now, if you’re looking to buy or sell in Calgary’s residential market, it’s crucial to work with an experienced real estate agent who knows the dynamics of each housing sector and will help guide you through a successful transaction.

3. Slight boost in energy price, confidence in pipeline projects Lately, there’s been a slight increase in energy prices. Oil prices, for example, are expected to remain in the range of US$50 to US$60 for the remainder of the year. There’s also been an increased confidence in the idea that pipelines such as Trans Mountain, Line 3 and Keystone XL will be built. These factors should create investment in new projects and employment opportunities in the energy industry throughout 2017, though at rates expected to be much lower than those seen from 2010 to 2014. The three pipelines mentioned above will account for the creation of thousands of jobs,

not just in Alberta, but throughout Canada if they begin construction.

According to ATB Financial, Alberta’s real GDP is expected to grow by a modest 2.2 per cent in 2017 and 2.3 per cent in 2018.

This suggests that the economic recession spanning from the end of 2014 to the end of 2016 is finally beginning to lift.

4. Positive indicators in some of Calgary’s housing sectors The Calgary Real Estate Board (CREB) reported some positive numbers in its latest monthly statistics package for February of 2017. They include: » 3.4 months of general inventory supply, down from five months on a year-over-year basis

And finally...

As Canadians, we must focus on making our province and country competitive for investment and job creation. I would encourage all readers to get active and start talking to your MLA and MP regularly. We need an immediate competitiveness review so we can start to compete globally again for investment in the energy sector. Investment creates jobs and job growth really drives the real estate market.

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 SPRING 2017 CALGARY COMMUNITIES 51

Web Directory

Builders and developers Hopewell Residential

www.hopewellresidential.com

Baywest Homes

www.baywesthomes.com 1A

Crystal Creek Homes

www.crystalcreekhomes.ca

Cardel Homes

COCHRANE

www.cardelhomes.com 1

Vesta Properties

www.vestaproperties.com

Jayman BUILT

www.jayman.com

Homes by Avi

www.homesbyavi.com

Mattamy Homes

www.mattamyhomes.com

United Communities

web directory

www.jagerhomes.com

Dream Development

www.dream.ca

Brookfield Residential

www.livebrookfield.com www.bordeauxdevelopments.com

Shane Homes

www.shanehomes.com

Trico Homes

www.tricohomes.com

Calbridge Homes

www.calbridgehomes.com

Landmark Homes

www.landmarkgroup.ca

Cedarglen Homes

www.cedarglenhomes.com

Morrison Homes

www.morrisonhomes.ca

Excel Homes

www.excelhomes.ca

Apex Developments

www.apexbuildergroup.com

Genesis Land

www.genesisland.com

Genstar Developments

www.genstar.com/cities/calgary

Douglas Homes Qualico Communities

www.douglashomes.net www.qualicocommunities.com/calgary

Stepper Custom Homes Tamani Communities Westmark Holdings – Cooper’s Crossing Watermark 52 YPNEXTHOME.CA

PRIDDIS

www.unitedcommunities.com

Jager Homes

Bordeaux Developments

22X

www.stepperhomes.com www.tamanicommunities.com www.cooperscrossing.ca www.watermarkatbearspaw.com

TURNER VALLEY

Calgary region east

RNER VALLEY

HERITAGE POINTE

HENDERSON CL.

HANSON HOLLOW

HANSON DR.

RGE RD 27

CENTRE ST.

WILSON RD.

MAIN STREET LAGDON

HANSON WAY CRILLY CL.

LLOYD CR.

RAILWAY AV.

1 AV. N

RAILWAY AV.

RAILWAY CR.

2

1 AV. S

ULM ST.

RAILWAY AV.

BLACK DIAMOND

DOUGLAS AV.

2 AV. N

3 ST. E

1AV.

WENSTROM CR.

LANGDON PARK

McCANN ST.

PRIDDIS

COWAN ST.

22X

2

WELSHIMER CR.

LAGDON ODDFELLOW HALL

CENTRE ST.

22X

2 AV. N

ANDERSON AV. WILSON RD.

COLWELL ST.

LANGDON

HENDERSON RD.

WHITNEY ST.

COPELAND AV.

COPELAND AV.

NEWTON ST.

CHESTERMERE 797

THOMAS ST.

1

CALGARY

VANDERVELDE PL.

STRATHMORE

HENDERSON BY.

LANGDON SCHOOL BARBER ST.

McKINNON ST.

3

TRAIL

NESBITT AV.

MCDOUGALL ST.

BESSE AV.

ARBOGAST ST.

1

GLENMORE NESBITT CL.

MOE AV.

BRANDER AV.

4

797

BOTSFORD ST.

HRANE

TRAIL

560

NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

2

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

2 AV. S

1

OKOTOKS 543 CHESTERMERE

2A

22 HIGH RIVER RAINBOW FALLS

DEVELOPER: Truman Developments BUILDER: Jager Homes, Lionsworthe Homes, Douglas Homes, ReidBuilt Homes

WESTMERE

DEVELOPER: Melcor BUILDERS: Lifestyle Homes, ReidBuilt Homes

SHORES ON WESTMERE

DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

KINNIBURGH

DEVELOPER: Pollyco Developments BUILDERS: Stepper Custom Homes, Canterra custom homes, Sterling Homes, Lifestyle Homes, Douglas Homes, Westridge Fine Homes, Broadview Homes, ReidBuilt Homes, Sunstar Homes, Jager Homes

04 BUFFALO HILLS (coming soon)

LAKEPOINTE

DEVELOPER: Mattamy Homes BUILDER: Mattamy Homes Sales centre 400 Westpark Dr.

LANGDON BOULDER CREEK ESTATES

DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Broadview Homes

HANSON PARK

DEVELOPER: Hanson Park Developments BUILDERS: Canaco Homes Ltd, Ovation Homes Ltd, Douglas Homes

STRATHMORE THE RANCH IN STRATHMORE

WILDFLOWER RANCH IN STRATHMORE

DEVELOPER: Cancorp Property Group Inc. BUILDERS: Carpenter Homes, Paradyme Homes, Aquilla Homes and Canterra Custom Homes

EDGEFIELD IN STRATHMORE

DEVELOPER: Pollyco BUILDERS: ReidBuilt Homes, Ovation Homes, WestView Builders, Aquilla Homes www.edgefieldstrathmore.com

LYALTA 03 THE LAKES OF MUIRFIELD

BUILDERS: Douglas Homes, Today’s Homes, Ribero Homes and Compass Rose Homes

DEVELOPER: United BUILDERS: Jager Homes and WestView Builders

BUILDERS: Prominent Homes Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes

Meet your perfect fit and live on the golf course in The Lakes of Muirfield SPRING 2017 CALGARY COMMUNITIES 53

Neighbourhood Profile

Sunnyside-Kensington A welcoming and thriving community Fast facts Family composition 6 AVE N

FAMILIES

COUPLES

SINGLES

54%

34%

12%

Own vs. rent

65% OWNERS

GREYHOUND BUS TERMINAL

MORE PHOTOS ONLINE ypnexthome.ca/sunnyside-kensington

35% RENTERS

SUNNYSIDE AND KENSINGTON are

two of the most beautiful inner-city neighbourhoods you will find in Calgary.

Steps away from the Bow River, residents find themselves in nature with an incredible view of downtown Calgary.

This vibrant and bustling community is overflowing with great coffee, amazing food and fantastic retail.

Lifestyle Sunnyside-Kensington has a vibrant and cultural lifestyle that encourages residents to be active and get outdoors with their family. It is a small-business owner’s paradise with a lot of support from the Business Revitalization Zone and other retailers. With its wide selection of great restaurants and cafes, you can expect to see the rest of Calgary flocking to this foodie hub on a regular basis.

Vibe People often describe the area as half yuppies and half hippies — an exaggeration, perhaps, but the mix of luxury shops and high-end dining with indie coffee and consignment shops furthers that thought.

Meet the neighbours Baby boomers meet hipster barisatas with a healthy dose of young families, resulting in a diverse, vibrant and cultured community. The area houses higher income professionals, while young artists and musicians also choose to call it home.

An abundance of parks and schools make this area desirable for families that are active and passionate about living in a welcoming and flourishing community.

In the area Living in this area is more expensive than other inner-city neighbourhoods. However you can still afford to get great food and coffee for a decent price. The Safeway grocery store is among the most expensive locations in the city, but the frequent local markets make it easy for consumers to buy produce directly from its source.

Planes, trains & automobiles Sunnyside-Kensington is excellent for utilizing Calgary’s public transit system, with bus and train services catering to residents and visitors. A thriving cycling community means bikes are more visible on the roads and plenty of bike racks are

Average household income

$74,946

Preferred car type

1 TOYOTA 2 HONDA 3 FORD

26 AVE S

SOURCE: ENVIRONICS

dispersed throughout the neighbourhood.

Cars are also welcome, thanks to the very busy 10th Street, but good luck trying to find parking in the area.

Real estate The real estate market is booming in Sunnyside-Kensington. Beyond the beautiful heritage homes that inhabit most of the area, there are many renovation projects in the works along with brand new condo developments.

There is also a fair amount of midcentury walk-up apartments that are ideal for renters. However, finding the right home might take some time due to low vacancy throughout the inner city.

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

54 YPNEXTHOME.CA

23 AVE S

Inner City Condo’s

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

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 Corner of 25th & 3rd St. SW

01

16 STEPS BRIDGELAND

BY GIUSTINI BRIDGES IN.

4 AVE S

06

13 18

5 AVE S

Sales Centre 921 - 1st Ave. NE

6 AVE S

EYHOUND TERMINAL

MILLENNIUM PARK 9 AVE S

17

CITY HALL

FORT CALGARY

12 AVE S

26

07

1 ST E

COLONEL BELCHER HOSPITAL MOUNT ROYAL VILLAGE

26 AVE S

VICTORIA PARK / STAMPEDE STATION

08

TALISMAN SPORTS CENTRE

4 ST W

5 ST W

CLIFF ST

17 AVE S

10 ST W

15 26 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.

CALGARY EXIBITION AND STAMPEDE PARK ERLTON / STAMPEDE STATION

PROSPECT AVE

22

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

23 AVE S

17 INK

BY BATTISTELLA

19 CONVENTION CENTRE

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

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

20 LIDO

BY BATTISTELLA

Sales Centre 1120 Kensington Rd

21 V&V

BY PROVIDENCE GROUP

Register: einsteincalgary.com

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

SPRING 2017 CALGARY COMMUNITIES 55

Advice | MONEY MATTERS

Coming clean

By Gail Vaz-Oxlade

SO YOU’RE GETTING MARRIED. Have you been completely honest with your partner about your finances? Now’s the time to ‘fess up. If you aren’t prepared to talk about your money, about the mistakes that you’ve made, about your successes, about your dreams for the future and your hopes for your life together, then just call it off now!

Still getting married? Okay, now gather up all your financial papers, grab a notebook, pencils, a calculator and some file folders. As you do this, you might as well get your money organized, if you haven’t already done so.

What You Have Get your latest statements (or if you’re planning to do this, save your next statements) for your: » chequing account(s) » savings account(s) » investments (GICs, term deposits, mutual funds, brokerage account) » pension (corporate and RRSP) » equity in any property (the value of the property less the mortgage amount) » ownership in a business » any other property you may have an interest in (like a family cottage) If you’re just starting out financially, you may only have one or two pieces of paper to work with. Lucky you. If you’ve already established yourself financially, you may have scads of paper.

List the financial institution(s) and your balance(s) for each of the statements you’ve gathered.

What You Owe Now it’s time to look at your debt, if you have any. Gather up your most recent statements for your: » credit card(s), including store cards and gas cards 56 YPNEXTHOME.CA

» line(s) of credit » loan(s), including car loans and student loans » mortgage » buy-now-pay-later purchases » pay advance loans » taxes (last year’s tax return) Again, list each company to whom you owe money, your balances, and the interest rate you’re paying. If you have an account that’s in overdraft, you’d put the overdraft amount on this list.

Other Financial Stuff Next, make a note of the following: » How much do you earn gross and net?

What benefits do you have where you work? Whose job will take priority (if, for example, you have to move for a career opportunity)? » Do you own a car (or other vehicle)?

How old is it? When will you likely need to replace it?

» If you didn’t do it before because you didn’t owe the tax man any money, find a copy of last year’s tax return now. » Do you have any insurance (through work, or purchased)? Who’s it with?

What’s it for (life, disability, medical, critical illness)? What’s the insurance benefit? Who is the beneficiary? Will you be changing the beneficiary once you marry? » Do you have a will and powers of attorney? (Once wed, you’ll have to re-do your will.) » Get a copy of your credit report to see how you look to lenders. The worse your credit history, the more you’ll pay in interest since you’re a higher credit risk. » How will you deal with interruptions in income as they come (which they, undoubtedly will) if one of you loses a job, you have children, if a family member becomes ill, or you decide to continue our education? » What other financial responsibilities

One of the first questions you’ll want to address is: “Will we pay off debt before we get married?”

MORE ADVICE ONLINE ypnexthome.ca/news/advice

do you have (like a commitment to support a family member, child support or spousal support, aging parents, needy siblings and the like)?

Now that you’ve each sketched a picture on paper of your financial realities, it’s time to talk.

One of the first questions you’ll want to address is: “Will we pay off debt before we get married?” If yes, then you have to make a plan for your debt repayment.

Decide how long you have till you’re getting married and then divide the amount you owe by the number of months until you tie the knot. It’s not perfect, but it’ll give you a good idea of how much you’ll have to shell out to dig yourself out of the hole before you plunge into wedlock.

If you decide to tackle the debt together once you’re married, how?

Will it come from your current joint cash flow? Will one or both of you get a

second job to pay down the debt?

Don’t even think about having kids until you’ve paid off all your consumer debt.

Since one or both of you will likely want to spend time at home with your “Mini Me,” you’ll have less income to live on.

Maternity or paternity leave isn’t a right, it’s a privilege, and one you exercise only if you can afford it. You won’t be able to make ends meet on less income if you’re still repaying stupid debt.

If one of you has a bad credit history, what will be done to fix it so when the time comes to buy a home (or a new car), there are no surprises (and no whopping interest costs)?

If one of you is an on-again-off-again money manager, remember that if you have a joint account, any missteps going through that account will be reported on both your credit histories.

While money is the number-one way to mess up a perfectly good relationship, I have met couples for

whom relationship issues lead to money problems. While you’re in questioning mode, why don’t you answer the following 12 questions too?

1. How are we going to divide up the household chores?

2. How much time will we spend at work, at home together, doing our own thing?

3. What are our expectations about how we will spend our free time?

4. Do you believe that we should be doing everything together?

5. What role will religion/spirituality play in our lives together?

6. Can we each pursue our own interests?

7. Do you need time alone?

8. What role will our families and friends play in our lives?

9. What’s your philosophy on having/ raising children?

10. How will having a child change the way we live?

11. How would you feel if I want a night out with my friends?

12. How will we make sure we have quality time together?

Now that you’ve come clean, you should be ready to move forward together without too many big surprises.

Marriage requires constant attention.

Just when you think everything is going smoothly, your significant other will say or do something that takes your breath away. Know, also, that no matter how well paired you seem at first, as time goes by and you each change, you won’t be the person you were when you married and neither will (s)he. Give each other room, and revisit the questions you sense may have different answers.

For while it may feel safer ignoring your differences, that’s a fool’s game. So communicate, don’t disintegrate.

Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at gailvazoxlade.com SPRING 2017 CALGARY COMMUNITIES 57

Calgary region south 1A

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

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