Hamilton Renters Guide - 23 Nov., 2013

Nov. 23 - Dec. 07, 2013 Volume 21 Issue 24

Brantford-Hamilton-Niagara Edition

A TRUSTED PLACE TO CALL HOME SINCE 1954

ALDERSHOT APARTMENTS 950 Warwick Court, Burlington I 905-639-0456 HOMESTEAD.CA INSIDE THIS ISSUE

THE 15-POINT MOVING DAY CHECKLIST

USING A MOVER VS. MOVING YOURSELF

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Apartment Rentals

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644 Main Street West, Hamilton West End

631-633 Upper James Street, Hamilton Mountain

240 Mohawk Road East, Hamilton East Mountain

Located in the west end of Hamilton, near Macklin St. & Hwy. 403. Tenants can enjoy the seasonal outdoor amenity area with green space and pool. 3 BEDROOM PENTHOUSE SUITE IS NOW AVAILABLE

Just North of Fennell on Upper James sits 2 walkup buildings. There is an outdoor swimming pool tenants share with neighbouring apartments. On major bus routes and close to Mohawk College, Wal-Mart, banks, local restaurants and many other services.

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KENSINGTON

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Located near Centennial Pkwy S. & Queenston Rd. Includes tennis courts, exercise room, whirlpool & sauna, and an olympic size swimming pool for all tenants to enjoy. Rental Office is located at 50 Jerome Crescent

Located near John St.S. close to Jackson Square Shopping Centre, Hamilton Farmer's Market, Gore Park, the Hamilton Public Library, the GO Station and St. Joseph's Hospital.

Located near John St. S. Close to St. Joseph's Hospital and a short walk to downtown Hamilton, Jackson Square, restaurants, parks, and schools.

On major bus routes and close to the GO Station.

Features outdoor swimming pool.

1.877.469.4885

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Availability online at 1.888.461.0153

123 Charlton Avenue East, Hamilton Central

www.effortrentals.com |

rentals@efforttrust.ca

Apartment Rentals

3G

apartments townhouses Spacious & Sparkling Clean Units, Near Bus Routes & Amenities and the Red Hill Parkway

Kings Forest Manor

288 Mount Albion Rd. | 905-578-5488 - Building Super Offers many features for your active lifestyle. Includes swimming pool, and is only steps away from the Niagara Escarpment. Well maintained with up to date amenities including underground parking for some units.

One and Two Bedroom Apartments

Kently Towers

Hamilton's

543 Queenston Rd. | 905-561-1239 - Building Super Worry-Free living is what you can enjoy in this extremely secure building. Ideal for seniors, close to many conveniences including Eastgate Mall, and bus routes.

One and Two Bedroom Apartments

Kingswood Place

6 Kingswood Dr. | 905-387-0848 - Building Super Your family will enjoy the spacious layout, complete with clean appliances. Steps away from grocery store, bus routes, schools and Glendale Golf Course. Very convenient!

Two and Three Bedroom Townhomes

www.desantis.com email: info@desantis.com

Head Office: 905-777-0252

Providing Hamilton and area with quality dwellings for over 30 years. Call us today, we’ll make you feel at home!

4G

A TRUSTED PLACE TO CALL HOME SINCE 1954 John & Charlton

The Villa Marie Community - 43 & 57 Forest Ave., 50 Young St., 151 Hughson St. – 905 528 5253

Main & Bay

Blink Bonnie Apartments - 136 Bay St. South – 905 528 4675

Main & Bay

Bay 200-200 Bay St. South – 905 529 9553

Main & Bay

Haldimand Apartments - 140 Robinson St. – 905 529 9553

Main & Bay

Robinson Place - 33 Robinson St. – 905 525 8373

Bay & Charlton

The Concord - 187 Park Ave. – 905 525 3371

Main & John

Landmark Place - 100 Main St. East – 905 528 1414

John & Burlington

Harbour & Marina Towers - 35 Brock St. & 600 John St. North – 905 526 1994

Main & Nash

The Eldorado - 494 Queenston Rd. – 905 573 6361

West & Fairview

Westgate Towers - 661 West St. – 519 751 3867

Fairview & North Park

Dornia Manor - 321 Fairview Dr. – 519 752 3596

Fairview & North Park

North Park Towers - 325 North Park Rd. – 519 752 3596

Glencrest & Guelph Line

Creswell Court Apartments - 3050 Glencrest Rd. – 905 637 6776

Plains & King

Warwick Court Apartments - 950 Warwick Court - 905 639 0456

Plains & King

Surrey Lane Apartments - 685,695,705 Surrey Ln. – 905 639 0456

Lakeshore & Brant

The Caledon - 1363 Lakeshore Rd. – 905 637 8431

Lakeshore & Brant

The Sandpiper - 1431 Lakeshore Rd. – 905 632 1427

Queen Mary & Rebecca

Park Terrace I, II, III, IV, V - 199, 205, 187, 189, 191 Queen Mary Dr. – 905 842 5300

Navy & Randall

Centennial Towers - 155 Navy St. – 905 842 3859

Speers & Kerr

The Premier Court - 41 Speers Rd. – 905 338 3342

Lakeshore & Dixie

Lakewood Apartments - 1257 Lakeshore Rd. – 905 271 5370

Dixie & Bloor

Pacific Way I – 3480 Havenwood Dr. – 905 629 7941

Dixie & Bloor

Pacific Way II – 1485 Williamsport Dr. – 905 629 7941

Lakeshore & Parklawn

Landmark Apt. -2493 Lakeshore Blvd. – 416 255 4559

Lakeshore & Parklawn

Promenade -2301 Lakeshore Blvd. – 416 253 2246 08753

ETOBICOKE

MISSISSAUGA

OKVILLE

BURLINGTON

BRANTFORD

HAMILTON

BUILDING DIRECTORY

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TO VIEW PLEASE CALL

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t Easy access to the Linc.

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Downtown

www. GumieroHoldings.com

GUMIERO HOLDINGS

2, 3 & 4 BEDROOM $ townhomes from 970

140 Wellington Street South

info@gumieroholdings.com

905.561.8000 Nov. 23 - Dec. 7, 2013

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from

559

$

t Clean & secure building t Wheelchair accessible Call

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Eastgate Square 70 Glenburn Court Spacious 1, 2 & $ from 699 3 bedrooms t Close to all amenities t Wheelchair accessible Call

905-561-6352 caledonia 130 Argyle Street North

1 & 2 BEDROOM

from

620

$

t Easy access to the Linc. t Wheelchair accessible Call

905-765-0895 grimsby 1 & 3 Slessor Blvd.

bachelor 1, 2 & $ from 603 3 BEDROOM t Clean & secure t Wheelchair accessible Call Please say you saw it in Renters Guide!

905-309-8738 1

Hamilton 02417

2

Please say you saw it in Renters Guide!

Nov. 23 - Dec. 7, 2013

Hamilton

RENAISSANCE TOWERS

100 FERGUSON AVE. S. Ferguson at Hunter HAMILTON

1 br from $610 2 br from $790

THE NEWLY RENOVATED

includes utilities

t *ODSFEJCMF 7BMVF t *EFBM %PXOUPXO MPDBUJPO t 8BML UP (0 4UBUJPO )PTQJUBMT 4IPQQJOH 3FTUBVSBOUT t 0O UIF CVT SPVUF t *OEJWJEVBMMZ DPOUSPMMFE IFBU t 'SFTIMZ QBJOUFE t 4FDVSFE FOUSZ t /FXMZ DBSQFUFE t -BSHF CBMDPOJFT

*Ceramic tile in kitchen, entry, dining room & washroom

t /FX BQQMJBODFT For rental Inquiries please email:

905.527.2626

suenicholson@live.ca

01505

OPEN 7 DAYS A WEEK & EVENINGS

Hamilton

Vittoria Apartments

635 $ 2 #FESPPN 735 $ 3 #FESPPN 935 $

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Call

02467

221 Melvin Ave., Hamilton (Parkdale/Barton)

Nov. 23 - Dec. 7, 2013

905.545.0244 Office Hours: Mon-Fri 9am-5pm

Please say you saw it in Renters Guide!

3

;GDCI 8DK:G

Nov. 23 - Dec. 07, 2013 Volume 21 Issue 24

C E L E B R AT I N G 2 0 Y E A R S VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

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Brantford-Hamilton-Niagara Edition

A TRUSTED PLACE TO CALL HOME SINCE 1954

EDITOR IN CHIEF/DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES, NATIONAL

Josh Heppner

ASSOCIATE PUBLISHER, ONLINE ADVERTISING SERVICES MANAGER, RENTAL ONTARIO

Anne-Marie Breen EDITOR

ALDERSHOT APARTMENTS 950 Warwick Court, Burlington I 905-639-0456 HOMESTEAD.CA INSIDE THIS ISSUE

THE 15-POINT MOVING DAY CHECKLIST

USING A MOVER VS. MOVING YOURSELF

Elisa Krovblit CONTRIBUTING EDITORS

Sara Duck, Wayne Karl, Lydia McNutt CONTRIBUTORS

Jane Herman, Chuck Resnick

Find out more about Homestead with their ad on glossy page 5G

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Published By

18 RENTERS' HELP 10 Using a mover vs. moving yourself

by Jane Herman

Copyright 2013: All rights reserved by Renters Guide, Toronto, Ontario. Reproduction in any form is prohibited.

Contents of this publication are covered by Copyright and offenders will be prosecuted under the law.

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

Disclaimer: The views expressed by the columnists in this publication are not necessarily those of the publication.

MOVING 18 The 15-point moving day checklist

by Chuck Resnick

FINANCES 22 Gen Y: don't love budgeting?

:9>IDGHÉ CDI:H

f

inding a new apartment to live doesn’t have to be a stressful experience. Given that there are so many options and professionals who are willing to help you, it’s important to give yourself enough time and make sure you’ve prepared enough beforehand before you jump in to anything.

The first step is to make up a checklist of must-haves as a way to keep track of the essentials. If you must have parking, put it down on paper.

This checklist will serve as a guide while you’re shopping and will help you better define which apartment works best for you.

Also on your list should be your cost considerations. Make sure you can afford to pay your rent comfortably every month so you’re not stressed out ever time it’s due. Be realistic and choose within the limits of what is affordable to you. Make sure your rent covers what you need it to, and if there are extras, find out what the other costs are so you can tally up the totals and compare.

It’s better to delay moving rather than making a hasty decision that leaves you anxiety-filled every time the rent comes due.

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

i

’m really into real estate. Seriously a passion of mine. I don’t just keep an eye on the rental market, I love seeing what new condos are developing, where the style trends are going in finishes and features, what the resale home market is doing and what land is being sold and turned into brand new housing communities. I love seeing cities grow and towns sprawl.

Of all the reading about real estate that I do in a day, the one thing that annoys me like no other is the pressure to buy. “Get in the market” they say.

“Carries like rent” they promise. “Own your dream” they demand.

You actually are in the market. You rent some very real real estate. If it carries like rent, why do owners always talk about the surprise expenses – I don’t remember the last time I heard a renter reeling from sticker shock on a new roof or furnace. And is a house really your dream? Could the money you save – since renting generally uses less budget than owning – be better spent in other investments? And if you’re just getting into the market and have to buy a tiny starter far out of your preferred community just to get into the market in the first place, well, is that really the dream you hoped to own?

For some, owning is definitely a good option, but thinking it’s always the preferable option is a mistake. The bottom line is, don’t just believe the hype, go ahead and do the math for yourself. Dollar for dollar and square foot for square foot, see if your lofty apartment isn’t bigger, less expensive and betterlocated than the new home you can afford. Think long term. Are you tied to your job, location and space – or might you relocate? These factors determine what’s actually best for you, not just what trends dictate.

You’re ready for the perks of rental living and we’re here to help. Our magazine and website, TheRentersGuide.ca, offer the best selection of apartments, 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 at facebook.com/TheRentersGuide

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Published every Saturday in Toronto by Wall2Wall Media.

Terms: Advertisers and The Renters Guide are not responsible for typographical errors, mistakes or misprints. Payment in full must accompany the Insertion Order by cheque, money order, Visa or Mastercard.

Please check your ad for accuracy the first issue it appears. If you find an error, report it immediately. The Renters Guide will not be responsible for more than one incorrect insertion. Errors and Omissions Excluded (E.&O.E).

Brantford-Hamilton-Niagara Edition Serving: Hamilton, Burlington-Waterdown, Brantford, Niagara and St. Catharines

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GLOSSY SECTION PAGE

NEWSPRINT SECTION PAGE

2G-7G, 12G 5G, 7G, 9G 8G, 11G

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Complex

Price Range

St ud 1 io/ Be Ba d c 2 ro hel B e om or 3+ dro B e om U dro til o i Pa ties m rk In i Ai ng clu de r Co d Ba n lco di t ny io Po /Pa nin tio g ol /S Fi ol tn ar iu es m La s un d St r y or a Fu ge rn N ish ea e r d Tr Pa an ge sit N o.

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HAMILTON Effort Trust

Inquire

Effort Trust - Various Locations

Inquire

Kingswood Place-6 Kingswood Drive

Inquire

Kings Forest Manor-288 Mount Albion Rd.

Inquire

Kently Towers-543 Queenston Rd.

Inquire

Homestead Land Holdings Limited - Various Locations

Inquire

Precise Capital Management - 150 Sandford Ave. N.

Inquire

Camelot Towers

Inquire

◆

Medallion Corp - 235 Rebecca Street

Inquire

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Medallion Corp - 195 Wellington Street

Inquire

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40 Grandville

From $695

70 Glenburn Court

$539-$719

Centennial & Barton

From $675

First Place

From $450

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Medallion - 235 Rebecca St. & 195 Wellington St.

Inquire

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Mt. Albion & King - 15 Albright & 15 Nicklaus

From $725

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Parkdale & Barton - 221 Melvin

Inquire

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Renaissance Towers

From $610

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Visit us at TheRentersGuide.ca

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The Renters Guide makes every effort to ensure the accuracy of our index, however availability and prices change daily.

Please refer to the specific ad and call the advertiser for more details.

Complex

Price Range

Wellington & Main - 140 Wellington S.

From $609

John & Charlton - 129 Bold St.

Inquire

St ud 1 io/ Be Ba d c 2 ro he Be om lo r 3+ dro B e om U dr til oo i Pa ties m rk In i c Ai ng lud r ed Co Ba n lco di t ny io Po /Pa nin tio g ol /S Fi ol tn ar iu es m s La un d St r y or a Fu ge rn N ish ea e r d Tr Pa an ge sit N o.

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BURLINGTON Homestead Land Holdings Limited - Various Locations

Inquire

Dominion - Various Locations

Inquire

Cumberland Village-3270 Prospect Dr.

Inquire

478 Pearl & 477 Elizabeth Street

Inquire

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Brant & Lakeshore - 478 Pearl St.

Inquire

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Guelph Line & Prospect - 3270 Prospect

Inquire

Ontario & Maple - 1285 Ontario

Inquire

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ST. CATHARINES Briarfield Apartments - 33 & 44 Berkley Drive

Inquire

Garden Terrace Apartments - 24 Ida Street

Inquire

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Panoramic Properties - Various

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Panoramic Properties - Various

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Tremont Apts. & Yorkshire Apts.

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The Renters Guide makes every effort to ensure the accuracy of our index, however availability and prices change daily.

Please refer to the specific ad and call the advertiser for more details.

renters’help

using a

mover vs. moving yourself

By Jane Herman

Are you thinking about whether you should use a moving company to let professionals handle your move or attempt to do it yourself?

If cost is your most important consideration, moving yourself might be the better option. However, if you cannot afford to take the time or expend the energy to look after the numerous details involved with moving your best bet is to hire a professional mover.

How much stuff you need to move and the distance you are moving are two important factors in your decision. If you are a single person or student moving into your first apartment you might not have that much furniture and household items to move in and you might not feel it’s worth hiring a move, especially if you have a friend to help you. However, if you are a family with children moving from one city to another and have more things to transport you might want to hire a mover so you can travel, take care of your children, pick up groceries, etc.

advantages of

using a mover

Using a professional mover is simple and hassle-free: professionals can take care of all the details of organizing, planning, packing, loading up your furniture and other “stuff,” and delivering it to your new location. They can even unpack for you! You won’t have to try to cajole friends into giving up at least a day to undertake a physically demanding task.

Professionals have all of the supplies to pack up your dishes and other breakables, as well as the know-how to pack a moving truck properly and efficiently. You won’t have to run out to rent or collect cartons and newsprint in which to pack and wrap things.

In addition, professionals carry insurance so that if anything is damaged during the move you are covered. If you attempt to move yourself and you break or damage something, you might have to foot the bill yourself (unless you, yourself, have a renter’s policy that would cover such damages).

TheRentersGuide.ca

One disadvantage of using a mover is that some people feel out of control when they don’t orchestrate their own moving day, and have a hard time stepping back and letting someone else handle all of their possessions. If you choose to use a mover, you’ll have to relinquish some control.

TheRentersGuide.ca

advantages of

moving yourself

The most compelling reason to move yourself is to save money.

But even so, you still might have to incur the cost of renting a truck or a van, even if you are planning to do the packing, loading and unloading yourself. Moving is very strenuous work! You also might think that it’s easy to move your things gradually, in several trips over several days. However, having watched my son recently do this when he moved into his first apartment, I would warn you that it’s much more work than you might realize.

There’s a third option of connecting with people and companies who can provide some of the services as you require on an individual basis, such as driving, packing, loading, unloading, unpacking, etc. This provides some flexibility and makes the task a little more affordable. You pick and choose the help and labour you need.

If you decide to use a mover, make sure the company is licensed, reputable and insured to handle the job, and can provide you with some references. You want to make sure they will do a professional job before you retain them.

Ensure that all the TheRentersGuide.ca details about what is expected are clear beforehand, to prevent confusion during the move.

TheRentersGuide.ca

LARGE 2 BEDROOMS

$745

ONLY $250 DEPOSIT!

01693

Hamilton

ALL UTILITIES INCLUDED! – HEAT, HYDRO, PARKING & WATER

Super convenient location Breathtaking views of Lake or Escarpment Convenient location – only 850 steps to Eastgate Mall, Lake Ave. Elementary School & Riverdale Rec. Centre

40 GRANDVILLE

Call

905-561-1106

Email:

violettowers@hotmail.com Hamilton

CONDOMINIUM LIVING! 2-BEDROOM UNIT:

795

$

per month plus hydro

3-BEDROOM UNIT:

15 ALBRIGHT

& 15

NICKLAUS

895

$

per month plus hydro Lifestyle choice is important to many of us and these buildings offer many amenities. Spend the summer in the gazebo, watch the kids in the playground or cool off in the pool; stroll around the landscaped lawns or under a shade tree. Major building renovations undertaken over the past three years. Top quality found in this family-oriented condominium complex offering various suites -some in a unique two storey design.

COMMUNITY FEATURES: Highway Access, Grocery / Supermarket, Pharmacy, Movie / Theatre, Elementary School, Middle School, Daycare Center PLUS: Tenants pay personal use hydro only, Seasonal Pool, Exercise room, Dishwasher, Controlled Access

Contact us at the following email addresses: nicklaus@shaw.ca or albright1@shaw.ca

For viewing call (905) 573-2378 Nov. 23 - Dec. 7, 2013

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02442

11

Hamilton

AFFORDABLE &

Convenient

-BSHF #FESPPN

675

01680

GSPN $

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Call today

905-578-6365 Hamilton

129 Bold Street HAMILTON

Your complete rental source.

12

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01606

Clean & Spacious

Centrally located near St. Joe’s Hospital.

Juniors $670 + Hydro 1 Bedrooms $770 + Hydro 2 Bedrooms $870 + Hydro Parking $30 FOR RENTAL INQUIRIES please call 905-920-8810 Nov. 23 - Dec. 7, 2013

03934

Hamilton

Nov. 23 - Dec. 7, 2013

Please say you saw it in Renters Guide!

13

Hamilton

www.lashgroup.ca

Follow the editor on Twitter at Twitter.com/ElisaKrovblit

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TheRentersGuide.ca Nov. 23 - Dec. 7, 2013

Burlington/Waterdown

1, 2 & 3 BDRM. SUITES t 6UJMJUJFT BOE XJOEPXT DPWFSJOHT JODMVEFE t *OEJWJEVBMMZ DPOUSPMMFE IFBU BOE " $ t *OEPPS IFBUFE QPPM TBVOB m UOFTT $FOUSF t 0VUEPPS TVOEFDL UFOOJT DPVSUT ##2 BSFBT QMBZHSPVOE t 3FDSFBUJPOBM BDUJWJUJFT t $MPTF UP UIF (0 TUBUJPO 2&8 )XZT +PTFQI #SBOU )PTQJUBM 4QFODFS 4NJUI 1BSL t 1BSLJOH BWBJMBCMF

905-639-8583 1285 ONTARIO STREET

(At Maple Avenue) Burlington, ON

burlingtontowers.com

Ontario Street Lakeshore Road

Joseph Brant Hospital

Unfurnished

To Hamilton

Furnished

407 Brant Street

QEW

nue e Ave Mapl

To Toronto

Mapleview Shopping Centre

BURLINGTON TOWERS

Lake Ontario

corporatesuites.ca Burlington/Waterdown

PRIME DOWNTOWN LOCATION BURLINGTON AA walk walk to to shops shops r r lake lake r r park park r r public public transportation transportation

478 Pearl St.

477 Elizabeth St. O Upgraded Windows

O Upgraded Suites/Utilities Incl.

O Outdoor Heated Pool

O Garden Terrace (Pearl)

O Newer Laundry Machines

O Indoor Parking Available

O In-house Maintenance Staff

O On-site Management

O Beautifully Maintained Buildings

O Spacious 1, 2 & 3 Bedrooms

O Spacious 1, 2 & 3 Bedrooms

(subject to availability)

478 PEARL ST.

(905) 632-1643

01555

O Modern Elevators

(subject to availability)

477 ELIZABETH ST.

(905) 634-9374

After more than 40 years of apartment management ...

STELLEN knows how to make you feel RIGHT AT HOME. Nov. 23 - Dec. 7, 2013

Please say you saw it in Renters Guide!

15

Hamilton

Hamilton

11280599_1.JPG

401 Main Street -East 1 bdrm apts $735/mo & 2 Bdrm apts $850/mo Hydro extra. Underground prkg included. Security cameras. Keyless entry. Close to all amenities,shopping & Bus Routes Call Kevin at (905)317-9885 Owned & operated by Rainco Inc

Hamilton

11281175_1.JPG

Melvin Ave Near -expressway. Spacious, bright, painted & upgraded 1 bed apt. $650 +Hydro.

Includes parking, fridge & stove. Convenient location. Bus stops at door. Laundry room, spectacular views!

(289)396-8500, www.smar.ca

11280894_1.JPG

STONEY CREEK - -Newly renovated Building 1bdrms $735 2 bdrms, $825 - $835 Heat, hydro & prkg incl. Quiet, well-kept adult bldg. Hrdwd/ceramics, laundry, Seniors welcome. Elevator. Walk to amens. No dogs.(905)319-1835, (905)662-8953

Hamilton

Hamilton

Hamilton

APARTMENTS (EAST HAMILTON) -- Near Mount Albion. Spacious 1, 2 & 3 Bedrooms from $595 Clean, well kept building, close to schools & shopping. No pets. Call (905)573-7813

COME HOME IN -COMFORT HAMILTON EAST CLOSE CENTER MALL Affordable Large 2 bdrms $700/mo- $750/mo Self contained units. Newly renovated. Avail now. Please call Daniel 1(866)294-3546

East Mountain 3 -bedroom townhouses available,attached garage, first/last required. Avail December 1st $999/mo + Utilities.beaniebaby@cogeco.ca.

(905)544-0077

Your complete rental TheRentersGuide.ca source. http://www.TheRentersGuide.ca

Find more rental listings on Ontario’ s #1 rental website

is your FREE apartment guide.

Pick one up today from over 4000 locations in Ontario.

16

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Nov. 23 - Dec. 7, 2013

Burlington 01553

Nov. 23 - Dec. 7, 2013

$1,200

Three-bedroom without garage

$1,300

Three-bedroom with garage

Please say you saw it in Renters Guide!

17

moving

THE 15-POINT MOVING DAY CHECKLIST

BY CHUCK R ESNICK

TheRentersGuide.ca TheRentersGuide.ca TheRentersGuide.ca TheRentersGuide.ca

M

oving is never easy, it takes a lot of energy and planning to pack up a household, transport it and then set it all up again. From booking the right people and coordinating the timing to finding everything you need, it can be stressful. I recommend the following 15-point checklist to help you complete your move in a stress free way:

1

Double-check all closets, drawers and shelves, in addition to the attic, garage and any storage spaces to ensure they are empty.

2 3

Carry important documents, money and jewelry with you.

Pack toys, games or special items for the kids to keep them busy during the move.

4

Remember to pack a box of basics that you may need on move-in day (tools, paper products, all-purpose household cleaners, etc.). Be sure to have it loaded last so that it will be first off at your new home.

5

Don’t pack paint, bottles of bleach, gas cans or other flammables. It is against federal law for movers to transport flammable and combustible materials.

6

Use strong boxes and containers that can be secured tightly.

Purchase special boxes for dishes, wardrobes and other special items.

7

Pack audio-video equipment in their original boxes. Label cables and tighten transit screws. Before removing cables, take pictures of the back of the unit so you can hook everything back up the same way. If removing screws, tape them to the objects they are removed from.

8 9

Avoid loading more than 50 pounds into one box.

11

Pack books tightly on end in small boxes. If they are musty smelling, sprinkle talcum powder between the pages and wrap the books before packing.

Leave them stored for a couple of months to eliminate the smell.

12

Have rugs and draperies cleaned before moving and leave them in wrappings for the move.

13

Pack medicines in a plastic re-sealable zipper storage bag or leak-proof container.

14

Check the weather forecast for your move day. If it’s going to be hot, be sure to have a cooler with lots of bottled water and sports drinks on ice.

15

Call your moving company the day before your move to get a contact number for the crew in case you need to contact them en route. Give your mover your cell phone number and be sure to fully charge your cell phone the night before your moving day.

Label each box and indicate: which room it should go in; whether it is fragile; and if it should be loaded last so it will be unloaded first.

10

Cushion contents with packing materials such as bubble wrap, newspaper or tissue. Save room by using towels and TheRentersGuide.ca blankets to wrap fragile items.

Chuck Resnick is vice president Marketing and Operations for Two Men And a Truck - Canada, a division of Heron Capital Corporation. Visit www.twomen.ca

TheRentersGuide.ca TheRentersGuide.ca

03861

St. Catharines

20

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Nov. 23 - Dec. 7, 2013

St. Catharines

1 BEDROOM FROM $795 2 BEDROOM FROM $895

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TREMONT APARTMENTS

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Call to arrange a showing

1-888-636-3582

w w w. e f f o r t t r u s t . c a Nov. 23 - Dec. 7, 2013

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21

finances

GEN Y: DON’T LOVE BUDGETING? SOME TIPS TO MAKE IT MORE LOVEABLE TWO-THIRDS OF YOUNG CANADIANS DON’T TRACK EXPENSES WITH A PLETHORA OF ONLINE BUDGETING TOOLS available, the habit of tracking spending should be a fairly straightforward routine to get into. However, this is not the case for Gen Y; while they have embraced the importance of saving, they are slower to embrace the habit of tracking where their money goes each week, month and year. According to new research from TD Canada Trust, more than half (55 per cent) of Gen Y save at least 10 per cent of each paycheque, but in contrast, 66 per cent either do not have a budget or do not follow the one they created. This helps explain why Gen Y says they are most likely to overspend on entertainment (48 per cent), snacks (41 per cent), fashion (38 per cent) TheRentersGuide.ca and tech gadgets (29 per cent).

“Budgeting is the key to battling the habit of overspending,” said Raymond Chun, senior vice president, TD Canada Trust.“Cash flow clarity is essential TheRentersGuide.ca to gaining control of where your money is going and ultimately reaching

financial goals. Just like building an exercise routine, it’s tough to start, but eventually becomes easier and more automatic.”

Building a budget can be as simple as tracking income against expenses, and following Chun’s simple tips, it doesn’t have to be a chore.

1. Create a Budget Template “There’s a misconception that budgets mean complex spreadsheets - this doesn’t have to be the case with a personal monthly budget,” said Chun.“An effective budget can be as simple as a sheet of paper with two columns: one for money coming in and one for money going out.”

The key to developing a good template is to allow space to capture all income and expenses in any given month, including discretionary spending.

The ‘money out’ column should allow space for everything from monthlyTheRentersGuide.ca rent and living expenses down to snacks and miscellaneous spends.

‘Money in’ should capture any incoming funds like paycheques and government rebates.

TheRentersGuide.ca

Example: Date: October 1, 2013 Money In Money Out Paycheque: $__.__ Breakfast: $__.__ Provincial sales tax rebate: $__.__

Rent: $__.__ Birthday gift: $__.__ Transit Pass: $__.__ Groceries: $__.__ Dinner with friends: $__.__ RRSP Contribution: $__.__

2. Track your Spending “Once you have a template in place, track every single expense,” says Chun.

“A great starting point is to take advantage of virtual tools that are already tracking spending - like online debit or credit card statements - and then build on anything additional that’s not tracked online.

At the end of the month, all the documented expenses simply need to be categorized into essential and non-essential expenses.

“However you track your spending, the goal is to have a full picture of how and where money is being spent,” says Chun.“It can be surprising to some to see how non-essential spending can really add up, but the clarity helps in finding out where adjustments are needed.”

3. Review Spending Habits With spending habits in hand, it’s time to see if changes should be made.

While fixed expenses like rent and transportation may not change, look closely at discretionary categories like entertainment, eating out and shopping. Set a maximum monthly spend for each category and, if this results in a surplus at the end of the month, consider putting it towards a savings account or paying down debt.

4. Repeat, repeat, repeat As with any strong routine, getting into the habit through repetition is key.

It is important to review the budget each month, especially if income or lifestyle changes take place.

“Always push yourself on whether it’s possible to put more money towards savings,” said Chun. “Life and circumstances are ever-changing, and a monthly budget will reflect this. The good news is, once a regular habit of budgeting has been adopted, making changes will be a piece of cake.”

For more resources and tools to make everyday finances easy, please visit: tdcanadatrust.com.

About the TD Canada Trust Cash Confessions Poll TD Bank Group commissioned Environics Research Group (www.environics. ca) to conduct an online custom survey of 6,014 Canadians aged 18 years and older, including 1,072 Millennials (born 1981 to 1999). Responses were collected between January 10 and 25, 2013.

About TD Canada Trust TD Canada Trust offers personal and business banking to more than 11.5 million customers. Providing a wide range of products and services they offer everything 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 TheRentersGuide.ca 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.

TheRentersGuide.ca

TheRentersGuide.ca

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Picture Yourself Here!

Camelot

TOWERS

WEST HAMILTON Live in Hamilton and work in the GTA • Walk to school and the Hospital • Bus stop at your door • Mature treed setting • Large bedrooms, suitable for roommates • Outdoor pool • GO bus stop at our front door • Easy access to Highway 403

Main St. W. Exit

Longwood

Camelot Towers

McMaster University Hospital

McMaster Innovation Park + Research Centre

Main St. W. 403 Entry from Main

Hwy 403 403 West Ramp

Aberdeen

403 East Ramp

JR 1, 1, 2 & 3 BEDROOMS

665

$

FROM

905-522-5246 or 905-528-6922 avcanmanagement.com Proudly Managing for Over 40 Years

* applicable to all new approved application

7G

WESTDALE PROPERTIES Residential - Industrial - Commercial

Garden Terrace Apartments call: 905.682.5104 email: idastreet@westdaleproperties.com address: 24 Ida Street, St. Catharines, Ontario (Between Queenston & Welland St.)

• Utilities Included • Free Outdoor Parking • Easy Access to Shopping • Close to Schools

SERVICE RD. BERRYMAN

24

IDA STREET

SCHOOL

QUEENSTON

• 1 & 2 Bedrooms • Hardwood Floors • Laundry Facilities • 2 Appliances

NIAGARA ST.

QEW to NIAGARA Cut off

Now Accepting Payments Interac Only

www.westdaleproperties.com

Briarfield Townhomes call: 905.646.2469 email: brendan@westdaleproperties.com office: 116A-44 Berkley Dr. address: 33 & 44 Berkley Dr. and 311 Bunting Rd., St. Catharines, Ontario

8G

• Close to schools, shopping, restaurants & buses • Situated near park • Great highway access for commuters • Family orientated • Water included • Utilities extra

ST. TON CARL VE. AND A

WELL

QEW

★ BUNTING AVE.

• 2 Bedroom/1 bath • 3 Bedroom/1.5 bath • Carpet and laminate flooring • Fridge & stove • Full basements, unfinished • Laundry hook-up • Fenced patio

R.

LEY D

BERK

Now Accepting Payments Interac Only

$1,200

Townhouse 3 bedroom without garage

$1,300

Townhouse 3 bedroom with garage

9G

LOOKING

FOR A NEW

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e m o c l e W Home

St Catharines, Niagara Falls, Welland Apartments & Town homes • Beautifully Renovated • Five appliances included • Excellent neighbourhoods close to all amenities • Private courtyards and garden walk-out balconies • Outdoor inground pool

ST. CATHARINES

NIAGARA FALLS

THOROLD

196 Cushman 246 Lakeshore Rd. 30 Bradmon Dr. 473 Linwell Rd. 349 Queenston St.

7591 Scholfield Rd. 3401 Weinbrenner Rd. 6635 Thorold Stone Rd.

40 Front St.

WELLAND 155 Hagar St.

info@panoramicproperties.ca

905-371-1201 Toll free#

1-855-371-1201

www.panoramicproperties.ca *Prices, specifications and availabilty subject to change without notice. E&O.E.

11G

Welcome to the neighbourhood 235 Rebecca St.

REBECCA & WELLINGTON

Downtown Location

Walking distance to Jackson Square

Wellington St. N.

Cathcart St.

Wilson St. Ferguson Ave. N.

• On bus route • Underground parking • Friendly staff • Secure building • Laundry on Smart Cards

Rebecca St.

King William St.

$650* 2 Bedrooms from $850* 3 Bedrooms from $1000* 1 Bedrooms from

905-540-8086 Hamilton@medallioncorp.com

195 Wellington St. S. Affordably Priced

*plus hydro

CHARLTON & WELLINGTON

Quality Family Living in Hamilton

Forest Ave.

ss

Charlton Ave. E.

Wellington St. S.

John St. South

Main St. E.

Claremo nt A c ce

James St. South

King St. E.

Wellington St.

• We offer a clean, well-maintained, secure home for you and your family • Enjoy the convenience of schools and shopping • Large finished suites • On-site management • Base of the mountain • Beside park • Family surroundings • Laundry on site • Video cameras at doors & door fobs for additional security

Victoria Ave. W.

Quality Family Living in Hamilton

St. Joseph's Hospital

$680* 2 Bedrooms from $780* 1 Bedrooms from

905-522-7599

195WellingtonSite@medallioncorp.com *plus hydro

medallioncorp.com