Issuu

Edmonton Edition

Vice-President, WAll2WAll mediA Jacqueline Hill editor in chief, reAl estAte Susan Legge

Feb. 22 - Mar. 08, 2013 Volume 29 Issue 04

RENTING A HOME?

Front Cover

Feature

CMHC Offers a Range of Tips and Resources

nAtionAl Account mAnAger, mediAtiVe Paul Slizys director of sAles, Western cAnAdA Josh Heppner

20 CMHC Renting a home? CMHC offers a range of tips and resources

mAnAger, nAtionAl business deVeloPment Kate Nash mediA consultAnt Carolyn Porteous editor Elisa Krovblit contributors Leslie Stylesr senior Production mAnAger Gnanapandithan Bala Production mAnAger Nikki Yarwood Production coordinAtor Bala Menon Art director Lee Cobham design & Production Mike Terentiev, Swinder Jodhka circulAtion Bob Shewciw 780.420.2200 Ext. 2614

SeCtIonS 7 North Central

31 West

21 South Central

34 South East

23 North East

36 South West 41 Houses, Condos & Duplexes,

26 Ft. Saskatchewan

Executive Homes

30 North West

eDItorIaL FeatureS

DeaDline Date for VolUMe 29, iSSUe 05 iS feb. 28, 2013 @ 4:00 pM Address: P.O. Box 458 Station Main, Edmonton, AB T5J 2K1 Tel: 780.668.3570 Fax: 780.417.0973

Published by

quiCk tips

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. Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license Disclaimer: The views expressed by the columnists in this publication are not necessarily those of the publication.

24 Five sure cures for the empty-nest

28 From Boomers to Millennials:

How an era can shape financial planning habits finanCes

38 Pause, then plan, if overwhelmed by money

sCruMpdillyiCious

42 Gingerbread Apple

Upside-Down Cake by leslie styles

EDITORS’ NOTES

new year, a new place?

Here we are, already well into the second month of 2013. Perhaps some of your New Year’s resolutions may have already been forgotten, but if finding a new place is still top-of-mind, we hope you’ll find this magazine helpful. This issue offers a special focus on where to go to get tips on renting as well as resources to source - all from the experts at Canada Mortgage and Housing Corporation. As you go about your search and visit potential locations, be sure to get a feel for each company and the staff. You should be comfortable and courteous asking questions and in turn you should expect to be treated with consideration and respect. Think twice about any property management company that doesn’t willingly provide any information you respectfully request. Putting the customer first and offering the best quality rental space for your money is a property management company’s ultimate goal. Once you find the perfect space, don’t hesitate in going for it and making it your own. Hopefully it is one of the easier resolutions you may have on your list this year. Let us know how your search for a new home goes. We’d love to hear from you.

Susan Legge EDITOR-IN-CHIEF, homeTRADER susan.legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

on’t be taken by surprise when you move into your new apartment! Do your research first and make sure your needs are being met at your new home. There are plenty of little things you should check out before you sign your lease. Don’t just assume that parking or utilities are included – ask. Don’t just guess that there’s a bus somewhere close by – check. And don’t just assume that you’ve lucked into a great property management company – do your homework. Find out if they’ve got any awards or certifications too. Other unfortunate surprises include furniture that won’t fit. While an apartment may seem spacious, you should take actual measurements to ensure. Often the configuration of a space can pose a challenge to placing furniture because of windows, doors, the room shape or the location of the cable outlet. You don’t want to find out on moving day that your couch can’t come with you or that you need to downsize from a king mattress to a double. If you’re not familiar with the neighbourhood, take a walk or a drive. See what’s in the community and where the amenities that you really need are located. Not good to be more than a short walk to the bus if you rely on public transit, and you might want to see where your child’s school is, how far the park is or how close the grocery is, so that there are no surprises! With Renters Guide in hand you’ll find that perfect place. Our magazine and website, homeTRADER.ca, offer the best selection of available apartments as well as informative articles and advice, making it easy to make your move!

Elisa Krovblit EDITOR elisa.krovblit@wall2wallmedia.com Follow me on Twitter at Twitter.com/ElisaKrovblit Like us on Facebook facebook.com/TheRentersGuide

V s t a f

S Ch ir W urc ins hill ton Ave .

ST. ALBERT

He be rt

e. y Av e. enne l Av McK Vita St.

Bo ud n rea o u e g Rd ur ad . St Ro

Rd .

x Rd. Girou

Grandin Rd.

Lessard Road

178 St.

MERIDIAN STREET (0 St.)

Levasseur Rd.

170 St.

Cameron Heights Drive

TakeFor a look at the market and see what’s there. More Information onoutAdvertising Please Vacancy rates are currently very low – and due to supply and demand, rent may be higher than the last time you looked around the market. Skim through apartments that are available and appeal to you to familiarize yourself with the market.e sure you have trader.ca Check out www.home

Gibbons

Call

28A

780-668-3570

For your online listings We’ve got your bases covered!

Calmar

TOP

REASONS

TO ADVERTISE IN

1. PROVEN TRACK RECORD – 28 years’ experience in publishing magazines for the rental community 2. CIRCULATION – hundreds of high-traffic locations including Safeway, Macs, banks & other easily accessible distribution points throughout the city 3. AD DESIGN – included in your contract is the option to work with the creative team at Renters Guide 4. EDITORIAL • Timely and topical industry-related editorials and articles • In-house writers and celebrity contributors that speak to the rental market and current lifestyle trends 5. CALL TRACKING – we use a third party, independent call tracking company to provide timely and relevant metrics 6. THE LOOK – Renters Guide has a sophisticated design created to attract readers 7. VOLUME – the largest and most comprehensive grouping of rental properties in the greater Edmonton area 8. PHOTOGRAPHY – included in your contract is the option for exterior site photography 9. SEGMENTATION – magazines are divided and are specific to each neighborhoods for ease of use by potential renters. 10. homeTRADER.ca – comprehensive listings of rental properties in the greater Edmonton area with a growing number of the most unique monthly visitors.

For Advertising information call Carolyn @ 780-668-3570

North Central Ki

s ces e. Prin eth Av b a Eliz

Av e

100 St.

102 Ave. Jasper Ave.

82 St.

CHECK OUT DAWSON BRIDGE

w Ro

. Rd

www.homeTRADER.ca

For our online listings We’ve got your bases covered!

LOW LEVEL BRIDGE

100 Ave. Riv er Valley Rd.

97 Ave.

HIGH LEVEL BRIDGE 105 ST BRIDGE

JAMES McDONALD BRIDGE

North Saskatchewan River

DREAM LIVING... A CONCEPT OF EDMONTON’S FUTURE

• Adult Building • Bright luxurious bachelor, 1 & 1 bdrm Two level & 2 bdrm suites • Sizes ranging from 729-1386 sq. ft. • On site fitness club including: exercise room, jacuzzi & two squash courts • Free cable • Security system in each suite • All window coverings • 6 appliances includes washer & dryer • Each unit air conditioned

Edmonton’s High Rise Living At Its Best 9740 - 106 ST. Phone

448-0322

www.ParkPlaza-Apartments.com

• Breathtaking views • On-site corner store & Bistro • On-site office & staff for maintenance-free living

4543909_29/04

Victoria Park Rd.

101 St.

104 Ave.

St. 95

107 Ave.

105 St.

109 St.

116 St.

111 Ave.

t. 97 S

124 St.

Tell Them You Saw It In The “Renters Guide” • PAGE 7

NORTH CENTRAL

Rochester Apts Rents staRt at $595 include heat, wateR

11267544_29/04

• 2 appliances, coin operated laundry available • close to all the downtown amenities & nightlife Quaint • charming building with original features

FIND YOUR HAPPY PLACE

10125-108 st.

Please contact the site manager Fadil @

780-918-1352

See it Here!

See It Here_24/24

www.ayreoxford.com

Advertise your Property for Rent

Secord House

10515 - 99 Avenue Ph. (780)

4543893_29/04

• Very Spacious • 1 & 2 bdrm suites • Downtown Location • Reasonable rents • No pets • Owner managed • Quiet adult building • We Care

423-1302 or (780) 991-5777

PAGE 8 • Tell Them You Saw It In The “Renters Guide”

www.globegeneral.ca

oliver

lamplighter apts. Large 1 & 2 bedroom suites

spectacular city views

heat & water included

• Newly renovated lobby and common areas • In-suite storage • Underground or outside parking available • Secure building w/upgrd security camera’s & FOB entry system • Wrap around balconies with spectacular view • Social room with sauna • SORRY NO PETS Professionally Managed By: Globe General Agencies Ltd.

10333 - 121 Street North Central

Call 587-400-5111

NORTH CENTRAL

Shaughnessy Manor 1 BEDROOM

• Newly renovated Hallways • Heat, water and parking included • On bus route • Clean, quiet adult building

9334302_29/04

10340-117 Street

780-482-5036 www.ayreoxford.com

Glendale Court

4543657_29/04

Families Welcome

• Renovated 1&2 bedRoom suites • • • • • •

2 appliances (fridge & stove) Quiet, well maintained building Covered & open free parking Large balconies Family complex Close to all amenities, schools & parks

Management Corp

9208 - 106 Ave

780-497-7964

PAGE 10 • Tell Them You Saw It In The “Renters Guide”

H A P P Y P L A C E

In the heart of Edmonton’s downtown core.

all the right angles

onE and two bedroom suites... two bedrooms with two baths.

Luxurious adult living. • 6 Appliances

Suite 105, 10404-104 Ave

587-400-5195

• Underground heated

• Window coverings • Cozy fireplace • 24 hour exercise room

parking available • Easy access to all amenities

4544100_2904

• Heat & water included

on-site management office hours: Mon, wed 8:00-7:00p.m. I tues, thurs & Fri 8:00-5:00 p.m. I Sat 10:00-6:00p.m.

a fresh perspective on downtown living Professionally owned & Managed By

DoWntoWn loCAtions – York house

10030-114 street

780-488-5151 Bright, Spacious Studio, 1 and 2 bdrms

• Modern suites • Hardwood floors • Quiet, secure building

• Excellent downtown location • Covered & open parking • Sauna, exercise room • Heat, power and water included in rent • Adult building

• No pets allowed • Under new management

745

s – You’ll Be imPresseD... the AlBAnY

10155 - 116 street • 780-488-6060

Bright, Spacious Studio, 1 and 2 Bdrms

• Newly renovated • Hardwood floors • Cover and open parking • Adult building • Sauna, exercise room, pool table, dart board • Excellent downtown location • Heat, power and water included in rent • Quiet, secure building • No Pets Allowed

hi-level PlACe

11005 - 98 Avenue • 780-482-3717

Bachelor, 1 and 2 Bedrooms

• Newly renovated • Hardwood floors • Redecorated suites • Video monitored • Adult building • Quiet, secure building • Exercise room, pool table • Excellent downtown location • No pets allowed

glouCester house

10513 - 124 street

1 and 2 bedrooms • Newly renovated • Adult building • Minutes to downtown and westend • Quiet, secure building

lAnCAster house

10025 - 115 street • 780-488-5151 Bright, Spacious Bachelor, 1 and 2 Bdrms

• Modern suites • Hardwood floors • Quiet, secure building • Adult building • Covered & open parking • No pets allowed • Excellent downtown location • Heat, power and water included in rent • Exercise room, pool table, dart board

Close to All Amenities, We hAve it All!

For Your Private Appointment Please Call 74543536_29/04

HOME SECURITY TIPS

Rely on good judgement when it comes to safety in your home!

For more information contact Edmonton Police Crime Prevention Unit 780-421-3475

• Install security-rated locks on doors and windows. • Change locks upon moving into a new residence. • Install a peep-hole in your door and ask visitors to identify themselves. You should not open the door to strangers. • If someone you don’t know comes to the door asking to use your phone, offer to make the call for them. • Always be aware of your surroundings - especially in laundry room, parking garages and elevators. • List only your initials and last name on the mailbox or in the telephone book. • Don’t list your first name. • Never give personal information to telephone solicitors or wrong number callers. • Get to know your neighbours. Arrangements can be made to keep an eye on each other’s homes or apartments when away. • Make sure that all entrances are well lit. • Draw drapes or close blinds after dark. • Have your key ready as you approach the door. • Don’t hide spare keys. • Have emergency telephone numbers on or near your phone. • Have an escape plan that allows you to leave your residence quickly.

YMCA of Edmonton

Featuring 150 bachelor, one- and two-bedroom suites, including some barrier-free units, the Melcor YMCA Village at 10350 95 Street is the perfect place to call home.

Affordable & safe quality living in downtown Edmonton!

The village offers a variety of other conveniences including: • All suites come with a stove, fridge, microwave and window coverings. • Access to child care services and located near the bus, LRT and downtown core. • Indoor & outdoor play areas, card-operated laundry, bicycle lockups and more! For current suite rental rates or other information, please cal 780 426-YMCA (9622) or visit our website at edmonton.ymca.ca

Apply today!

MELCOR YMCA

VILLAGE

NORTH CENTRAL

Sussex Apts

Twin Rose Manor

1 BEDROOMs

1 & 2 BEDROOMS

• Upgraded unit • Incl. heat, water & parking • Excellent transit • Adult building

• Heat, water & parking included • On major bus route

10235-113 Street

780-918-1352

5160151_29/04

4757679_29/04

• Close to all amenities

www.ayreoxford.com

PAGE 16 • Tell Them You Saw It In The “Renters Guide”

10320-122 Street

780-918-1352 www.ayreoxford.com

WALK TO WORK

FEATURES FEATURES • Bachelor, Studios, 1, and 2 Bedrooms • All Utilities Included • 3 blocks to Grant Macewan • Walking distance to all amenities • Air Conditioning • Ample Parking

Mon-Fri 8:30-4:30 Call for an Appointment

780.800.5062 10020 103 Ave

• Close to University of Alberta downtown campus, Farmer’s Market, LRT, City Centre Mall, Restaurants, Art Gallery of Alberta • No pets

4544670_29/04

NORTH CENTRAL

Parklane Gardens 1 BEDROOMs

• Quiet, clean • Close to Kingsway Mall, NAIT & Downtown • Excellent transit

4758123_29/04

• On-site manager

11530-124 Street

780-452-1862 115 Ave. & 124 St.

www.ayreoxford.com

find: spacious

F I N D find your happy place.

PAGE 18 • Tell Them You Saw It In The “Renters Guide”

Y O U R

H A P P Y

P L A C E

n 4848163_2904

NORTH CENTRAL

The Mayflower 11808-100 Avenue

Prestigious River View Building

780-800-8966

www.GreatApartments.ca

At Home in a Great Community

1 & 2 Bedrooms

• Free power, water, heat • Digital security access system • Swimming pool • Resident social room • Heated underground parking • Balconies • Hardwood floors • Concrete building • Professionally landscaped • Beautiful large suites • Stunning granite lobby • Sorry No Pets • Adult Overlooking the River Valley & Victoria Golf Course N

Jasper Ave.

100 Ave. Victoria

Park Rd

116 St.

APARTMENTS

118 St.

CMHC

Renting a Home?

CMHC Offers a Range of Tips and Resources

hether you are a first-time renter or a long-time tenant, there are many important decisions to make when evaluating potential rental accommodations. To help make these decisions easier, Canada Mortgage and Housing Corporation (CMHC) offers a number of resources, including worksheets and helpful hints, to help you make responsible and informed rental decisions. Starting with tips for getting started and identifying rental needs, to evaluating rental options and meeting a landlord, to signing rental agreements and paying rental deposits, CMHC’s resources support renters throughout all stages of the rental process. CMHC also offers resources designed specifically for recent immigrants to Canada in eight different languages. Renting in Canada: What Newcomers Need to Know includes a variety of relevant and appropriate tools, products and resources to make finding safe and affordable housing easier. Taking the time to plan and determine what you need and how much you can afford will make the overall rental experience less stressful and the outcome more satisfying. In the planning stage, it is important to identify things like the number of bedrooms and location requirements, establish a budget and evaluate an apartment’s affordability.

The tenant-landlord relationship is one of shared responsibility and CMHC’s resources provide guidance on the responsibilities of both. They also offer advice on dealing with issues such as regular and emergency repairs, rent increases and payment difficulties.

you have chosen a place to live, CMHC’s tools for renters provide helpful tips on selecting reputable movers as well as reminders to transfer or close your service accounts at your existing residence and arrange for services at your new home.

Because the law governing landlords and tenants in Canada varies among the different provinces and territories, CMHC also offers Provincial and Territorial Fact Sheets that include province-specific information.

For more than 65 years, CMHC has shared a wealth of knowledge and housing expertise, as well as useful tools and guidance, to help Canadians enjoy an informed and assured housing experience. To consult or download copies of CMHC’s resources for renting a home visit www.cmhc.ca.

Finally, moving can be a hectic time with a varied checklist of tasks. Once

SOUTH Central North Saskatchewan River

85 St.

75 St.

95 Ave. Co

For our online listings We’ve got your bases covered!

90 Ave. 83 St.

Scona Rd.

tch

ska

d nR

92 St.

98 Ave.

99 St.

104 St.

114 St.

105 ST BRIDGE

103 St.

Ave. University

che

CHECK OUT

www.homeTRADER.ca

101 Ave.

JAMES McDONALD BRIDGE

kat

87 Ave.

84 St.

LOW LEVEL BRIDGE

109 ST BRIDGE

Sas

79 St.

106 Ave.

DAWSON BRIDGE

GROAT BRIDGE

CAPILANO BRIDGE

4543806_2904

Whyte - 82 Ave.

“A Home With Heart in the Heart of Edmonton”

Unique & Spacious 1 & 2 Bedrooms 8768 - 96 Avenue

Adult & Family Buildings Available

www.strathearnheights.com

780-469-3080

OFFICE HOURS: Monday - Thursday 8 a.m. - 7 p.m. Friday 8 a.m. - 4 p.m. Saturday 12 p.m. - 4 p.m., Closed Sunday

Tell Them You Saw It In The “Renters Guide” • PAGE 21

SOUTH CENTRAL

• All suites fully renovated • Quiet adult building • Large 1 bedrooms suite available • Walking distance to U of A • Blocks from White Ave. and Kinsmen aquatic centre • Close to major bus routes and river valley walking trails • Pet free building • One bedroom is priced at $850. Two bedrooms are at $950 • Security deposit for the month of March set at $500. Incentive ends March 31ST, 2013

11251527_2904

10721 – 85 Ave.

Lampliter Apartments

Contact 780-982-6073 for appointment viewing Find your apartment at Covering all your bases Find Your Apartment_24/25

the pool!

find your happy place. F I N D

New issue every second Friday

PAGE 22 • Tell Them You Saw It In The “Renters Guide”

Y O U R

H A P P Y

P L A C E

realstar.ca

Tennyson

Apartments

Park SquareApartments 2 Bedroom Luxury Suites • Air conditioning

1 & 2 Bedroom Suites

• In-suite laundry • Fitness facility • Fireplace • Next to LRT

• Condo-like suites in desirable Terra Losa neighbourhood • Open concept kitchens, fireplaces and in-suite laundry

• Underground parking • Heat and water included Cat Friendly

• Underground heated parking

10001 BELLAMY HILL. 780-423-3540

• Large balconies and patios realstar.ca

• Heat & Water included

Cat Friendly

Macdonald Estates Apartments Bach, 1 & 2 Bedroom Suites • Central downtown location • 1 block to LRT • Bright, spacious suites • Heated enclosed parking • Air conditioned suites, spectacular views • Exercise room & swimming pool • Overlooking the River Valley Cat Friendly

17103, 17104 94A AVE. 780-444-6630

9925 JASPER AVE. 780-990-0339

realstar.ca

Tennyson

Apartments

Park SquareApartments 2 Bedroom Luxury Suites • Air conditioning

1 & 2 Bedroom Suites

• In-suite laundry • Fitness facility • Fireplace • Next to LRT

• Condo-like suites in desirable Terra Losa neighbourhood • Open concept kitchens, fireplaces and in-suite laundry

• Underground parking • Heat and water included Cat Friendly

• Underground heated parking

10001 BELLAMY HILL. 780-423-3540

• Large balconies and patios realstar.ca

• Heat & Water included

Cat Friendly

17103, 17104 94A AVE. 780-444-6630

9925 JASPER AVE. 780-990-0339

realstar.ca

Wellington under new ownership & management PROPERTY HIGHLIGHTS: The Suites • One, one plus den and two bedroom suites • 6 appliances • Laminate ﬂooring • Large balconies

Suite Features • Open concept kitchens with breakfast-bar style counters • Fridge, stove, dishwasher and microwave • In-suite laundry • 9’ ceilings • Walkthrough closets in 2 bedroom suites • Large balconies

Court

Apartments

The Amenities • Exercise room • Underground parking • Storage lockers • Elevators • Secure building • On-site management

Westlawn Village Bachelor, 1 & 2 Bedroom Suites • Large suites • Heat & water included • Close to West Edmonton Mall • Park like setting • Close to schools, parks and public transit Cat Friendly

9535 - 165 STREET 780-484-0760 realstar.ca

Blue Quill

Apartments

1 & 2 Bedroom Suites • Spacious suites, heat & water included • Close to shopping, schools, parks & public transit • Convenient access to Calgary Trail & Whitemud Drive • On site management • Short drive to South Edmonton Commons • Walking distance to Century Park LRT Station

466 & 470 MACEWAN ROAD, 780-430-7879

Cat Friendly

11615 - 28TH AVE. 780-756-7411

realstar.ca

Wellington under new ownership & management PROPERTY HIGHLIGHTS: The Suites • One, one plus den and two bedroom suites • 6 appliances • Laminate ﬂooring • Large balconies

Court

Apartments

The Amenities • Exercise room • Underground parking • Storage lockers • Elevators • Secure building • On-site management

9535 - 165 STREET 780-484-0760 realstar.ca

Blue Quill

Apartments

466 & 470 MACEWAN ROAD, 780-430-7879

Cat Friendly

11615 - 28TH AVE. 780-756-7411

NorthEAST 195 Ave.

FW Y.

34 St.

ING

20 S

For our online listings We’ve got your bases covered!

Victoria Tr.

Fo 129 Ave.

127 Ave.

Hook Rd. Hermita ge Rd. LO WH EA 121 Ave. DT RA IL

58 St.

120 Ave. 118 Ave. 112

. Ave a.

Blv

CAPILANO BRIDGE

34 St.

YEL

122 Ave.

95 St.

Ave.

132 Ave.

137

CHECK OUT

www.homeTRADER.ca

Fo r

137 Ave.

38 St.

87 St.

144 A ve.

151 Ave.

ve. 4A

MA NN

50 St.

. Ave

66 St.

153

82 St.

97 St.

167 Ave.

104 Ave.

North Saskatchewan River

I FOUND MY PLACE AT

Tell Them You Saw It In The “Renters Guide” • PAGE 23

quicktips

Five sure cures for the empty-nest

he resonating silence of a home or a leisurely drive past a soccer field can often make an empty-nester weepy. When teens and twentysomethings leave home to begin their adult lives, many parents experience sadness and a sense of loss. the truth is that this transition isn’t just survivable – it can even be beneficial. here are some ways to take charge and ensure that this stage of your life is one to look forward to.

1 Throw a send-off party Embrace and celebrate this life’s passage. Plan a fabulous party for your child and invite your family and friends. Go with a theme that symbolizes freedom and responsibilities and send your child off with practical gifts like a basic cookbook, a box of laundry detergent, grocery store gift cards and tableware. 2 Cultivate an adult relationship Establish a weekly check-in routine with each other. Stay in touch by email, phone or Skype. Let them know you are there for them to calm their insecurities about life away from home. Use your experience to create special bonding moments with your child long after they leave. 3 Fill the void and rediscover your passions Parents often give up some interests to be available to their children. Now is the time to throw yourself into those hobbies and activities again. Join a book club, learn a new language, volunteer, or sponsor a child through a non-profit organization like Christian Children’s Fund of Canada (www.ccfcanada.ca). In fact there are many organizations where you can help bring hope and lasting change to children who need it most. 4 Take care of yourself…and a pet Adopt an exercise routine to stay physically healthy. Poor physical health can aggravate feelings of sadness caused by empty nest syndrome. As for pets, if you don’t have one, consider adopting one. Not only are they loyal and loving, they also relieve loneliness, provide good companionship, and increase social exposure for their owners. 5 Connect with your spouse In all the craziness of raising children, parents sometimes lose track of their most important relationship and support person – their spouse. Quiet evenings, long walks, impromptu trips and romantic dinners out are all possible now that the kids aren’t around! NC

NORTH EAST

All common AreAS Are fully upgrAded

Belvedere Apts. Fully Renovated 1 BedRooMS

4757981_29/04

• Includes heat, water & parking • Window coverings, laminate and tile flooring • Close to londonderry Mall & all amenities • extra storage • on-site Manager • Clean, quiet secure building • Fire safety approved • on call maintenance • no pets

13215-66 St.

780-475-5717 www.ayreoxford.com

Empty SuitE? Home RenteRs Guide can Help you Rent youR pRopeRty fast! call tHe office today foR adveRtisinG details.

780-668-3570

F I N D

Y O U R

H A P P Y

P L A C E

Tell Them You Saw It In The “Renters Guide” • PAGE 25

FORT SASKATCHEWAN CHECK OUT

www.homeTRADER.ca

For our online listings We’ve got your bases covered!

ANOTHER LANDMARK GROUP PROJECT

Westwood Terrace

75 Woodsmere Close FT. Saskatchewan

www.westwoodterrace.ca

11245476_29/02

Brand New Condo Style Apts Adult Building 7 appliances • Heat, water & parking included • Some with underground heated parking • Close to all amenities •

780-992-0243 or Sheila at 780-221-3419

Call Paul at Showsuite

11 floor PlANS to ChooSe from

PAGE 26 • Tell Them You Saw It In The “Renters Guide”

fort saskatchewan

Westland Park

5592194_29/04

8910 - 98 Avenue Fort Saskatchewan

PROPERTY INFORMATION

• 2 & 3 bedroom units • 1 1/2 baths • Professional on site management • Lawn & patios in fenced yards • Full basements • Sorry, no pets This is a great well maintained family community. Only 10 minutes drive on the Manning Freeway. Now open evenings & Saturday.

Spacious and updated units

780-998-3880

www.GreatApartments.ca

Edmonton Manning Freeway

96 Ave

89B St

91 St

St St

98 A ve 97 Av e

90 St

At Home in a Great Community

Westland Park Office 99 Ave

89A

Ask About our remodeled units

Fabulous Rent, Well Maintained... Move on up to Fort Saskatchewan

98 A ve 97 A ve

To Sherwood

Park

quicktips

From Boomers to millennials:

How an era can shape financial planning habits tD Canada trust and psychology professor Dr. J Bruce morton explore generational attitudes towards savings, offer advice to all ages

spenDers anD savers oF all ages Can point to specific social and economic factors that shape their generation’s views on financial planning and saving for retirement. Each generation, from Boomers to Gen X to Millennials, have specific attitudes towards money and saving influenced by when they grew up and the realities of their lifestage. John Tracy, senior vice president, TD Canada Trust, and Dr. J Bruce Morton, Department of Psychology, Western University Canada, take a look at the influences on Millennials, Gen Xers and Boomers’ approach to saving for the future in order to give Canadians the insight they need to make smart financial decisions at any age. “Understanding what motivates your generation to save can help identify useful financial planning strategies for each stage of your life,” says John Tracy, senior vice president, TD Canada Trust. “Regardless of your life stage,

knowing how much you will need to retire is essential to managing your money and being prepared financially for the future. A financial advisor can help determine what your numbers look like, work with you to create a plan, and make adjustments as your needs and lifestyle change.” According to Dr. Morton, saving for the future touches on a fundamental trade-off in human decision making, namely balancing the opportunity for small immediate rewards with an interest in larger long-term benefits. How each of us balances this trade-off depends in part on values, priorities and motivations, which to a large extent are influenced by the world we grew up in. “While every person makes decisions based on what makes the most sense from their vantage point - specifically how to maximize gains and minimize losses - what seems reasonable to some individuals may not be reasonable to others,” says Dr. Morton. “This decision-making process is influenced by the generation to which we belong, and the corresponding cultural and economic factors that make the future appear differently to us.” Millennials (1982-1999) Research from TD Canada Trust shows that 65% of Millennials continually feel they are spending too much

money (versus 56% of Gen X and 44% of Boomers). They are also the most likely to feel there is more they need to know about the savings and investment options available to them (55% versus 51% of Gen X and 45% of Boomers).

Boomers (1946-1964) While eight-in-10 Boomers (79%) feel confident they are managing their money well, the majority are still worried about having enough money (56%).

“Perhaps the defining factor for the Millennial generation is persistent economic uncertainty,”says Dr. Morton.“Faced with job market challenges and an uncertain economy, Millennials may find it difficult to envision a concrete future, making saving for the long-term seem less reasonable.”

“As part of the post-war generation, Boomers were not only influenced by parents who survived the Great Depression, but many have also enjoyed economic affluence and employment stability throughout their career, making saving for both the short and long-term appear sensible,” says Dr. Morton.

For Millennials who feel it will be difficult to save money, Tracy recommends setting up an automated savings plan that invests a set amount at regular intervals into an RSP. Contribution amounts can start small and increase as income grows. “While retirement may feel far away for Millennials, it’s important to acknowledge that it’s inevitable,”says Tracy.“With time on your side, saving even a little regularly can add up, while allowing you to take advantage of compound interest.” Gen X (1965-1981) Of the generations surveyed, Gen X had the most competing financial priorities, with saving for retirement (55%), paying off their mortgage (44%), paying off loans (38%), paying down credit card debt (37%) and creating an emergency savings fund (37%) topping the list. With so many priorities, it’s not surprising that 70% continually feel they are not saving enough. “Gen X individuals grew up during a period of unprecedented economic transformation marked by greater fluidity in the job market and the elimination of mandatory retirement. These larger economic forces have led to a shift away from traditional notions of career and retirement,” says Dr. Morton.“As a result, many Gen Xers anticipate working well into traditional retirement years, undermining the incentive to save for the long-term.” Compared to other generations, Tracy adds, Gen Xers often have an abundance of competing financial priorities, making it challenging to carve out money for retirement savings. Even though Gen Xers may feel the need to postpone retirement, it’s important to contribute regularly during peak income earning years to build a comfortable nest-egg for retirement - whenever it may start. “As a general rule, Gen Xers should aim to save enough to have 60% to 80% of their annual working income per year to live on during retirement if they don’t want to change their lifestyle,” advises Tracy.“If more needs to be saved, be diligent about finding ways to cut back on other expenses, as even a modest increase to retirement savings can add up.”

Tracy recommends Boomers first assess how much they will need in retirement to maintain the lifestyle they want. With this in mind, engage a financial advisor and work backward to develop a realistic plan that includes lowering or eliminating debt prior to retirement to free-up income during this stage in your life. “As a Boomer, even if saving for the future is a top priority, it’s equally important to know how much you realistically need to save and whether you are on track to reach your goal,” says Tracy. “Compare your goal to the income you will have from your current savings to determine how much more you need to save.” About the TD Canada Trust RSP Poll TD Bank Group commissioned Environics Research Group (www.environics.ca) to conduct an online custom survey of 2,407 Canadians 25 years of age or older, including 201 Millennials, 543 Gen Xers and 443 Boomers. The total sample was weighted by age, gender and region to be proportionately representative of the Canadian population who are 25 years of age and older. Responses were collected between December 5 and 11, 2012. About TD Canada Trust TD Canada Trust offers personal and business banking to more than 11.5 million customers. We provide a wide range of products and services from chequing and savings accounts, to credit cards, mortgages and business banking, to credit protection and travel medical insurance, as well as advice on managing everyday finances. TD Canada Trust makes banking comfortable with award-winning service and convenience through 24/7 mobile, internet, telephone and ATM banking, as well as in over 1,100 branches, with convenient hours to serve customers better. For more information, please visit: www. tdcanadatrust.com. TD Canada Trust is the Canadian retail bank of TD Bank Group, the sixth largest bank in North America. SOURCE: TD Canada Trust

NorthWEST Castle Downs Rd.

Campbell Rd.

167 Ave.

162 A ve.

153 Ave.

A ST.

124 St

Kin

gsw

s . es ve inc A Pr beth a z Eli

Ave .

111 Ave.

yfi

eld

142 St

170 St

149 St

118 Ave.

178 St

184 St

For our online listings We’ve got your bases covered!

127 Ave.

TRA

156 St

199 St.

EAD

www.homeTRADER.ca

132 Ave.

AIL TR RT

LBE

135 St..

137 Ave.

LO YEL

CHECK OUT

97 St.

113A St.

127 St.

ITY

121 St.

See It Here_24/24

Stony Plain Rd.

See it Here! Advertise your Property for Rent

Lakeland Village 178 Ave & 95 St.

find your happy place.

Karin

587-520-5552

10460723_2904

u 3 BEDROOM TOWNHOUSES u 5 appliances u Fireplaces in some units Call

the view!

PAGE 30 • Tell Them You Saw It In The “Renters Guide”

New issue every second Friday

178 St.

87 Ave.

CHECK OUT

www.homeTRADER.ca

For our online listings We’ve got your bases covered!

159 St.

Rd .

WHITEMUD FWY.

GROAT BRIDGE

142 St.

149 St.

156 St.

95 Ave. 163 St.

170 St.

100 Ave.

175 St.

182 St.

102 Ave.

Stony Plain

sta Vi

ANTHONY HENDAY DR.

Stony Plain Rd.

107 Ave. 124 St.

Ma yfi eld

Rd .

111 Ave.

a en Bu

WEST

QUESNELL BRIDGE

69 Ave. Callingwood Rd.

North Saskatchewan River

WE’VE GOT ALL THE RENTAL INFO YOU’LL NEED WRAPPED UP IN AN EASY-TO-READ, EASY-TO-TAKE-ALONG FORMAT.

DESIGNED FIND YOUR HAPPY PLACE

FOR THE APARTMENT HUNTER

Tell Them You Saw It In The “Renters Guide” • PAGE 31

WEST

Popular Pointe Cove 1 BEDROOM SUITES

Y O U R H A P P Y P L A C E

• Block east of G.M.C.C. Campus • Friendly quiet complex • New carpet, lino, cabinets & appliances

8934036_29/04

• Close to all amenities

10040-154 Street

780-487-6616 www.ayreoxford.com

find: Rustic

4843714_29/04

find your happy place.

PAGE 32 • Tell Them You Saw It In The “Renters Guide”

renoVated BUiLding QUiet, adULt Project on-site maintenance • Extra spacious suites • Studios, 1, 2, 2 bdrms + den • Smart Card laundry - never look for change again • 3 appliances • Large balconies/patios - all suites • Bus service outside your front door • No pets please

4843714_29/04

• Elevatored building

6205-178 st.

780.487.9830 Located next to caLLingwood market, Ymca & cLose to west edmonton maLL

SOUTHEAST North Saskatchewan River 106 Ave. BASELINE RD.

101 Ave.

CHECK OUT

98 Ave.

90 Ave.

Whyte - 82 Ave.

www.homeTRADER.ca

SHERWOOD PARK FWY.

For our online listings We’ve got your bases covered!

86 St.

17 St.

34 St.

50 St.

63 Ave.

d lR

75 St.

99 St.

83 St.

76 Ave.

WHITEMUD FWY.

38 A ve.

39 Ave.

66 St.

Millwoods Rd.

34 Ave. 91 St.

CALGARY TRAIL NORTH

51 Ave.

23 Ave.

ELLERSLIE RD.

FIND YOUR HAPPY PLACE

PAGE 34 • Tell Them You Saw It In The “Renters Guide”

SOUTH EAST

62 ST & 38 AVE

Woodvale Court 2 BEDROOM tOwnhOMEs

6980276_29/04

• All split levels • 4 appliances including washer/dryer • Quiet family complex • Close to schools and parks

30 Woodvale Road Call after 6:00 p.m.

780-448-4984

I’M GONNA NEED A BIGGER PLACE! www.ayreoxford.com

FIND YOUR HAPPY PLACE.

Tell Them You Saw It In The “Renters Guide” • PAGE 35

SOUTHWEST GROAT BRIDGE

23 Ave.

104 St. SOUTH

40 Ave.

105 St.

34 Ave.

d. ill R

R abbit H

www.homeTRADER.ca

111 St.

119 St.

WHITEMUD DR.

51 Ave.

CHECK OUT CALGARY TRAIL NORTH

122 St.

143 St.

Belgravia Rd.

Lansdowne Dr.

Terw

North Saskatchewan River

Riverbend Rd. illeg ar D r.

Fox Dr.

76 Ave.

106 St.

QUESNELL BRIDGE

113 St. 109 St.

Whyte - 82 Ave.

For our online listings We’ve got your bases covered!

19 Ave. Saddleback Rd. 9 Ave.

ELLERSLIE RD.

Blackburne Dr.

Here’s what you can do to Recycle, Renew and Reuse • Keep your car in good working order. Tune-ups and filter changes cut down on exhaust emissions, and you’ll get better gas mileage. When you change your oil, take your used motor oil to a recycling centre. • Use available transit alternatives. • Separate your garbage. Glass, aluminum, paper and even plastic can be recycled. If a recycling program is not directly available to you contact your municipal sanitation department. • Donate reusable clothing and linens to charity. Most pick-up regularly in your area. • Become environmentally active in your community.

KEEP IT CLEAN Please!

NOW IS THE TIME TO ACT!

4544460_29/04

You can make the world a better place to live... now and for future generations. PAGE 36 • Tell Them You Saw It In The “Renters Guide”

ineridge

on-site maintenance manaGeR You’ll Be Glad You called Pineridge the Last Word in affordable elegance in a Quiet, convenient Location

4544460_29/04

• Newly Renovated 1& 2 bedroom suites some with lofts • Clean & quiet adult building • 3 appliances/smart card laundry/some utilities • Elevators/outdoor pool • Balconies/patios in all suites • Bus outside building. LRt near by. • Social Room, Fitness Centre. • Blackmud Creek Ravine setting, Nature trails for your enjoyment • Close Commute to Southgate Shopping Centre, South Common, YMCA, Medical Facilities. • Sorry No Pets

2207 - 118 stReet

780.438.0941

finances

Pause, then plan, if overwhelmed by money IEF oFFErs thrEE tIps For copIng wIth monEy strEss: • Assess your situation. Take stock of your financial situation, identify what’s causing the stress and make a plan to address it. For example, if you’re overspending every month, use IEF’s budget worksheet to help you account for all expenses and find areas where you can cut back. In addition, if you’re weighed down by debt, use IEF’s pay off credit cards and debt calculator to prioritize which debts to pay off first.

orrying too much about money may be hazardous to your health. A recent study in North America found that people with high levels of debt-related stress are more likely to experience physical and mental health problems, such as heart attacks, high blood pressure, ulcers, insomnia, migraines, anxiety or depression, than those with low debt-related stress.

• Get help. A financial advisor can help provide some perspective and expertise to help you get back on track and feel more in control of your financial situation. Learn how to choose an advisor, and review the eight questions to ask in the “Getting advice” section of IEF’s website. • Keep your eyes on the prize. As you make progress toward your goal, find small ways to reward yourself and stay motivated. Think cheap and cheerful – buy yourself flowers or do something healthy (and free) to take your mind off the stress.

“The impact of financial stress can be felt well beyond your wallet, but it shouldn’t take over your life,” said Tom Hamza, president of Investor Education Fund (IEF), Canada’s leading authority on financial literacy education and research. “The key to conquering money worries is to take action. Even small changes to your financial habits can make a big difference in the long run.”

More tools and resources to help you learn about financial planning and answers to your money questions can be found online at GetSmarterAboutMoney.ca. NC

45438

a great place to call home s ach home o c e iv t u exec e & 47 avenu t e e r t s a 104

homes om coach ro d e b 3 2& es 5 applianc g or gas fireplace in rn u b Wood ny/patio o lc a b e Larg onsidered c Small pets

es townhom n o t g in t hun e & 48 avenu t e e r t s a 104

nhomes room tow 2 & 3 bed s n t floorpla 8 differen ard Fenced y arking p d re Cove d considere Small pets

homes ill coach h n o t g in t hun 45 avenue & t e e r t s 104a ch homes room coa 2 & 3 bed es 5 applianc g fireplace in rn u Wood b d considere ts e p Small

ts apartmen e g id r h t sou 45 avenue & t e e r t s 106 Bi-level rooms 2 & 3 bed sq. ft. 4 5 2 washer/ 1055-1 come with s m o ro d 3 be trance private en dryer and pets Sorry no

es townhom e g id r h t sou e & 45 avenu 106 street

mes m townho 3 Bedroo basement ll ft. plus fu . q s 2 3 2 1 h rec room Some wit ackyard Fenced b es 5 applianc d considere ts Small pe

/04

4543863_29

office at visit our

06 st

45 ave & 1

ntulm.ca â€˘ www.re

-8925

â€˘ 780-800

- 6pm Friday 10am pm y a d n o M ours: 10am - 8 leasing h Wednesday am - 5pm Saturday 11

FIND YOUR HAPPY PLACE

CUTE AS A BUTTON

15718-84 STREET 3 bedroom 2 story house with hardwood floors throughout, developed basement, 1.5 bathrooms, 4 appliances, family room, storage, island kitchen, bright and spacious, fully fenced yard and cover deck, numerous amenities near by. NO PETS & NO SMOKING.

CLOSE TO WEST EDMONTON MALL 311, 9816 - 156 STREET One Bedroom, 5 appliances (fridge, stove, dishwasher, washer & dryer), one energized parking stall. NO PETS & NO SMOKING.

RENT $1350/MONTH

RENT $895/MONTH

BELLA MANAGEMENT & REALTY LTD.

INCLUDES HEAT AND WATER. SD $895

UTILITIES EXTRA. SD $1350

780-444-2665

WALKING DISTANCE TO LONDONDERRY MALL 6804-149 AVENUE 4 Bedroom duplex with 1.5 baths, 5 appliances, huge fenced yard ,single det ached garage and developed basement. NO PETS & NO SMOKING.

I FOUND MY PLACE AT

RENT $1300/MONTH PLUS UTILITIES, SD $1300

BELLA MANAGEMENT & REALTY LTD.

780-444-2665

EXECUTIVE CONDO 311, 10403-98 AVENUE

QUAINT FAMILY HOME 9610 - 86 STREET

2 Bedroom condo, 2 bathrooms, walk in closet, and one underground parking, 5 appliances. Close to all amenities. NO PETS & NO SMOKING.

Two bedroom plus den, three bathrooms, 5 appliances (fridge, stove, dishwasher, washer & dryer). NO PETS & NO SMOKING.

RENT $1350/MONTH

RENT $1395/MONTH

BELLA MANAGEMENT & REALTY LTD.

INCLUDES HEAT & WATER, SD $1350

PLUS UTILITIES. SD $1395

780-444-2665

Edmon

780-444-2665

ton Ed

ition Jan 27 - Feb 10, 201 2

Volum

LEDU

e 28 Issue

Now Renti ng Ph ase 2

West H aven

SAY YOU SAW IT IN THE

Your #1 source for apartment and housing information!

TER RAC E

Albert Britisha, Saskat Colum bia, Manit chewan , oba

Apartm Edmon ents in the Laurel ton Are a: Birch Garden s, (Phase Hills Lan ding Tamara2 now ren Merec ck Place, ting), (cominroft Gar dens g soo n).

1-866-

www.

BroaEN T-5 15 dStr eet.c a

EDMONTON’S RENTAL ACCOMMODATION SOURCE

Get it While it’s Hot At Newsstands Everywhere!

780-668-3570

Call Carolyn at for Advertising Information

Tell Them You Saw It In The “Renters Guide” • PAGE 41

Scrumpdillyicious

LesLie styLes, foodie & traveL aficionado, shares some deLicious dishes found on her traveLs around the worLd.

GinGerbread appLe upside-down cake

directions

Preheat the oven to 325°F. Grease a 10-inch cake pan. To make the topping, melt 4 tablespoons of butter in a small saucepan. Add the brown sugar and simmer over medium heat, stirring for five minutes, then swirl in the salt. Remove the saucepan from the heat and pour the mixture into the cake pan, spreading with a spatula to distribute evenly. Make circles of overlapping apple slices on top of the brown sugar. Chop any remaining slices and place them in the gaps. For the batter, blend 1/2 cup butter and 1/2 cup sugar in a standing mixer set on medium-low, then increase the speed to high and cream until the batter becomes light and fluffy. In a medium bowl, whisk together the egg, molasses, honey, buttermilk and vanilla. In a separate bowl, sift together the flour, baking soda, salt, ginger, cinnamon and nutmeg. Alternate adding the egg mixture and the flour mixture to the creamed butter-sugar mixture, then pour the batter into the cake pan. Bake at least 45 to 50 minutes or until a tester inserted into the center of the cake comes out clean. Let cool on a wire rack for 10 to 15 minutes. Run a small knife around the edges of pan to loosen the cake, then place a serving platter over the cake and invert onto the platter.

his delectably moist gingerbread-spiced caramelized apple upsidedown cake is the perfect dessert for the chilly autumn and winter months. Dark, coppery and intensely flavoured, this delicious cake is made with dark molasses, honey, buttermilk and a trio of fragrant spices, and goes perfectly with a dollop of pillowy soft Calvados Whipped Cream or tangy creme fraiche. As tempting as it may be, don’t use a springform pan with a removable bottom, as the syrup will leak out and that would be very messy as well as being enormously tragic. ingredients serves 12 Topping: › 4 tbsp butter, plus extra for greasing pan › 1/2 cup dark brown sugar › Pinch of salt › 4 large Golden Delicious apples, peeled, cored and cut into 1/4-inch wedges Batter: › 1/2 cup butter, at room temperature

› › › › › › › › › › ›

1/2 cup sugar 1 large egg 1/3 cup dark molasses 1/3 cup honey 1 cup buttermilk 1 tsp vanilla 2 1/4 cups flour 1 tsp baking soda 1/2 tsp salt 1 tsp ground ginger 1 tsp cinnamon

› 1/2 tsp freshly ground nutmeg Calvados whipped cream: › 1/2 cup whipping cream, chilled › 1 tsp maple syrup › 1 tsp Calvados

Serve warm or at room temperature with very softly whipped Calvados Whipped Cream, made by whisking the cream with the syrup and Calvados in an electric mixer until cream holds soft peaks.

Leslie Styles is president of Styles Design Inc., a Toronto-based branding and communications agency, and author of Scrumpdillyicious, a food & travel blog dedicated to all things delicious. She can be reached at stylesdesign.net and scrumpdillyicious.blogspot.com