Issuu

December 07- 21, 2013 Volume 21 Issue 25

Brantford-Hamilton-Niagara Edition

Condo Quality Rental Suites 168 Plains Road West

289-812-0102 www.drewloholdings.com

INSIDE THIS ISSUE

MOVING ETIQUETTE: FOLLOW THE GOLDEN RULE

FIVE TIPS FOR DECORATING SMALL SPACES

Our Effort Is For You Apartment Rentals

www.effortrentals.com 1.888.461.0153 rentals@efforttrust.ca

APARTMENTS

LOCATIONS

✓ Bachelor, 1, 2 & 3 bedroom suites

Over 100 buildings located in: Grimsby Hamilton Jarvis Ancaster Kitchener Brantford St. Catharines Burlington Stoney Creek Cobourg Welland Dundas

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Senior's residences in Ancaster and the heart of Downtown Hamilton

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Apartment Rentals

LONGWOOD

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GRANADA

9 Longwood Road, Hamilton West End

631-633 Upper James Street, Hamilton Mountain

240 Mohawk Road East, Hamilton East Mountain

Located in West Hamilton is a quiet and clean building in a friendly neighbourhood. Close to major bus routes and quick access to McMaster University and Hospital, grocery stores, local shopping plazas, schools and parks. Ease of access to major highways.

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.

This building is student friendly; a great location with major bus routes in front. Nearby amenities include Limeridge Mall, grocery stores, local parks and schools. Ease of access to the Linc.

1.877.469.5244

1.877.469.5006

BEL GAL ESTATES

KENSINGTON

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50, 60 & 70 Jerome Crescent, Hamilton East End

115 Main Street East, Hamilton Central

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

1.877.469.5231

1.877.469.4964

Availability online at 1.888.461.0153

123 Charlton Avenue East, Hamilton Central

www.effortrentals.com |

rentals@efforttrust.ca

Apartment Rentals

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, weâ€™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

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725 allinclusive

plus $ hydro 3 Bedroom 1150 hydro 925 plus 150 Sanford Avenue North

2 Bedroom

Hamilton

TO VIEW PLEASE CALL

9055221111 416-781-2423

Hamilton 01537

townhomes 515 Queen Victoria Drive

t Easy access to the Linc. Call

905-387-7221

PROPERTY MANAGEMENT SINCE 1981

Downtown

www. GumieroHoldings.com

GUMIERO HOLDINGS

2, 3 & 4 BEDROOM $ townhomes from 970

140 Wellington Street South

info@gumieroholdings.com

905.561.8000 December 7 - 21, 2013

Jr. 1, 1 & 2 BEDROOM

from

559

t Clean & secure building t Wheelchair accessible Call

905-529-2616

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

03880

Follow the editor on Twitter at Twitter.com/ElisaKrovblit

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TheRentersGuide.ca December 7 - 21, 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 $

#FESPPN

IZESP

Features: t $MFBO BQBSUNFOU JO NPEFSO CVJMEJOH t -BSHF CBMDPOJFT XJUI WJFX t 4IPQQJOH OFBSCZ PO CVT SPVUF t 4FDVSJUZ NPOJUPSFE QSFNJTFT t /FX QSJWBUF VOEFSHSPVOE QBSLJOH BWBJMBCMF t 2VJDL BDDFTT UP 2&8 /JBHBSB

Call

02467

221 Melvin Ave., Hamilton (Parkdale/Barton)

December 7 - 21, 2013

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

Please say you saw it in Renters Guide!

;GDCI 8DK:G

December 07- 21, 2013 Volume 21 Issue 25

C E L E B R AT I N G 2 0 Y E A R S

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Brantford-Hamilton-Niagara Edition

VICE-PRESIDENT, WALL2WALL MEDIA

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EDITOR IN CHIEF/DIRECTOR OF CONTENT

Susan Legge

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Josh Heppner

ASSOCIATE PUBLISHER, ONLINE ADVERTISING SERVICES MANAGER, RENTAL ONTARIO

Condo Quality Rental Suites 168 Plains Road West

Anne-Marie Breen EDITOR

289-812-0102 www.drewloholdings.com

INSIDE THIS ISSUE

MOVING ETIQUETTE: FOLLOW THE GOLDEN RULE

FIVE TIPS FOR DECORATING SMALL SPACES

Elisa Krovblit

CONTRIBUTING EDITORS

Sara Duck, Wayne Karl, Lydia McNutt CONTRIBUTORS

Lisa Canning, Chuck Resnick

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Published By

DESIGNER TIPS 10 5 tips for decorating small spaces by Lisa Canning

IN THE NEWS 14 Burlington Towers supports clothesline in the fight against diabetes!

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 Moving etiquette follow the golden rule by Chuck Resnick

FINANCES 22 The break-up: Regaining financial stability after divorce is a priority

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re you too busy to manage a home? Perhaps you’ve done the homeownership thing, and want to unshackle yourself from the costs of upkeep and home maintenance? Most everyone these days is looking at ways to de-stress and simplify their lives, and renting rather than owning one can be one of the easiest ways to get relief. When you really think about it, it’s an option that may take some getting used to! Needless to say, when you’re renting a home, your “to-do” list will likely look very different than those from your homeownership days. Whether you’re a life-long renter or a homeowner in need of a change, this issue of Renters Guide is for you. We’ve got some great advice on renting and decorating in the issue. Check it out! Your new “to-do” list is waiting.

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

he end of November rolls around and then it’s a holiday marathon that doesn’t stop until we reach the finish line on January 1. Do you realize the convenience that apartment living offers over the holidays? I don’t want to hear that your apartment is small, you can’t have many people over. Au contraire. I’ve always had the home that was the holiday destination. Whether for a feast or a fête, there’s never been a lack of room – it just takes some planning. I’ve moved the furniture out of the way and rented a big table and extra chairs. Doesn’t that seem the logical thing to do for the once-a-year you need seating for 15, instead of having a dedicated dining room you rarely use? I’ve been lucky enough to live in buildings where there are party rooms. I book my dates months in advance. I’ve never had a guest list too large for the party room – and it saves me the deep clean of my own place before guests arrive. Many party rooms have upscale features like a fireplace, piano, catering kitchen and bar – even a sound system for dancing. When I go to parties at the apartments of family and friends, I always check if there’s a guest suite I can rent. They’re often available at a nominal fee. It’s so much more convenient and comfortable than a late night cab ride. Guest suites come to be like mini-vacations, especially if you’re visiting friends and family who live some distance away. I wouldn’t want to impose on my host further, so it’s an ideal solution! Apartment entertaining is also fabulous because there are no worries about parking, no last minute driveway to shovel, and most apartments are convenient to public transit so there’s no excuse for guests who don’t drive. You’re ready for holiday 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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All copyright and other intellectual property rights in the contents hereof are the property of Wall2Wall Media and not that of the customer. The customer has purchased the right of reproduction in Renters Guide only and does not have the right to reproduce the ad or photo in any other place or publication. Contents of this publication are covered by copyright and offenders will be prosecuted under the law. Copyright 2013. Wall2Wall Media. All rights reserved by Wall2Wall Media, Toronto, Ontario, Canada. Reproduction, storage in a retrieval system or transmission, in any form or by any means, whether electronic, mechanical or otherwise, in whole or in

part, without the prior written permission of Wall2Wall Media is strictly prohibited. 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).

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St ud 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 ny tio Po /Pa nin tio g ol /S Fi ol tn ar iu es m La s un S t dr 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 Sanford Avenue North

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

◆

Medallion - 235 Rebecca St. & 195 Wellington St.

Inquire

◆

Parkdale & Barton - 221 Melvin

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Renaissance Towers

From $610

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Wellington & Main - 140 Wellington S.

From $609

John & Charlton - 129 Bold St.

Inquire

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Cumberland Village-3270 Prospect Dr.

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478 Pearl & 477 Elizabeth Street

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Brant & Lakeshore - 478 Pearl St.

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Guelph Line & Prospect - 3270 Prospect

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Ontario & Maple - 1285 Ontario

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designertips

5 tips for decorating

small spaces by LISA CANNING

SMALL SPACES ARE MORE AND MORE COMMON,

and making these spaces work can be a challenge. With careful space planning and ingenious multi-functional products, you can have all the function and style in any square footage. TIP #1: START WITH A RIGHT-SIZED SOFA The sofa is often a great place to start when planning a small space, as it usually takes up the most mass, and it is also the easiest piece to purchase incorrectly. A sofa that is too large in a given space can feel cumbersome. Conversely, a sofa that is too small can feel like dollhouse furniture. Luckily, many retailers make it easier to make the right choice by carrying apartment-sized, or condo-appropriate pieces, which are often smaller-scale translations of their most popular lines. And of course, many apartment/condo-sized sofas can also be purchased with a sofa bed option to give you the flexibility of creating a guest room in your small space. TIP #2: USE CLEAR FURNITURE What’s great about furniture made out of glass or acrylic is that it doesn’t take up much visual space. A ghost chair or a waterfall table will give you an instant modern update and provide great function while keeping the space feeling light. In spaces that have gorgeous large windows, place pieces that are clear directly in front, since they won’t obstruct the view. TIP #3: WALL-MOUNTED LIGHTING A layered lighting plan is something I always recommend TheRentersGuide.ca to clients, but in a small space this approach is especially advantageous. Rather than opting for a floor lamp with mass, weight and that takes up floor area, sconces give you ambient lighting while saving space. I love the architectural detail sconces provide and often use them on either end of aTheRentersGuide.ca gallery wall or sofa.

PHOTO BY ARNAL PHOTOGRAPHY

TIP #4: WORK WITH PIECES THAT ARE MULTIFUNCTIONAL In a space that might be too small for a home office, or a formal dining room, I have some great innovative products to share. The first is the Functional Coffee Table from BoConcept. At first glance, it looks like a sleek, minimal coffee table. But with an easy lift, it reveals a desk-height table and ample storage. Storage will always be an issue in small spaces, so anything that will serve a function and provide storage is a great addition. Another incredible product on the market is the Lacuna table by VNO Designs. This innovative product begins as a piece of customizable art on the wall. With the release of a latch, the art piece lowers to reveal a concealed leg and becomes a dining table for five. For people who don’t formally entertain often, or for those living in really limited space, this is a unique space-saving solution. TIP #5: WORK WITH SMART STORAGE SYSTEMS Great interior storage is just as important as utilizing multi-functional storage. Drawer dividers, shelf dividers and small storage boxes are great tools to use to increase your storage space. The more levels you can create within a drawer, the more items can be stored and easily found. I love using small stackable, acrylic storage compartments to divide my drawers. Style doesn’t stop at the exterior of a piece – allow your furniture to function at its best by investing in interior organization.

TheRentersGuide.ca LISA CANNING Lisa Canning is a designer and owner of Lisa Canning Interiors. lisacanning.ca

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

December 7 - 21, 2013

Please say you saw it in Renters Guide!

Hamilton

AFFORDABLE &

Convenient

-BSHF #FESPPN

675

01680

GSPN $

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t 0O 4JUF $IJMESFOT "DUJWJUZ $FOUSF t 4FBTPOBM 1PPM GPS ZPVS GBNJMZ UP FOKPZ t 1BSLJOH GPS .VMUJ DBS GBNJMJFT 55 TINDALE COURT

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905-578-6365 Hamilton

129 Bold Street HAMILTON

Your complete rental source. 12

Please say you saw it in Renters Guide!

01606

Clean & Spacious

Centrally located near St. Joeâ€™s Hospital. Juniors $670 + Hydro 1 Bedrooms $770 + Hydro 2 Bedrooms $870 + Hydro Parking $30 FOR RENTAL INQUIRIES please call 905-920-8810 December 7 - 21, 2013

03934

Hamilton

December 7 - 21, 2013

Please say you saw it in Renters Guide!

inthenews

Burlington Towers Supports Clothesline

IN THE FIGHT AGAINST DIABETES! THE “FILL A TRUCK” EVENT HELD ON NOVEMBER 23 AT BURLINGTON TOWERS WAS AN OVERWHELMING SUCCESS. Donations from everyone – residents and staff alike – filled the truck with gently used clothing, household goods and small appliances. “From floor to ceiling,” says Jason Rodrigue, Hamilton Operations Manager, National Diabetes Trust (NDT). “It was a nice turn out and the people at Burlington towers we extremely generous and so nice. It was very heartwarming to see how giving they were at this time of year.” Burlington Towers ran the donation drive to support Clothesline Project. Clothesline sells the clothes to support the NDT. Everything that gets donated is avoiding becoming landfill. It’s a win-win-win-win situation. That last win is because Clothesline and NDT will soon be announcing the winner of its campaign that runs from August 22 to December 2, “Make room in your closet for Hawaii” contest. One lucky donor whose generosity amounted to a minimum of a three bag donation will be awarded the prize of a trip to Hawaii. But truly, another win is the recipients of these goods. Clothesline sells all of the collected donations to Value Village where they will be consumed a second time – at quite reasonable cost for the value. All of the money Clothesline receives from Value Village is used directly to fund NDT and the fight to find a cure for diabetes. Last year, funds raised by Clothesline helped NDT: t Invest $7.4 million in diabetes research t Operate 12 summer camps for more than 1,600 children with type 1 diabetes and their families; t Introduce nutrition tools for high-risk populations; t Host education events reaching more than 280,000 people across Canada; t Launch the 2013 Clinical Practice guidelines; t Work with government to improve and enhance diabetes policies across Canada through advocacy efforts. One of the few charities that will do home pick-up of your donations, Clothesline makes it easy for you to donate. You just need to contact them and leave labeled donations for them to pick up. Rodrigue noted that this Fill A Truck event was especially successful because they were able to collect such a large donation in such a short period, and with only TheRentersGuide.ca the one stop, they didn’t have to absorb the expense for a great deal of fuel. “I must say, it was a wonderful way to spend a day at work,” says Tammy Landry-Taylor, representative for Burlington Towers.“The cold and snow really got us into the festive spirit of giving, and it was touching for me to see so many TheRentersGuide.ca residents carrying down their donations by the bag full.”

Landry-Taylor was very receptive to the Clothesline Project and was instrumental in setting it up. With the overwhelming outpouring of support, it’s easy to see the great relationship that exists within the Burlington Towers community. One of the most desirable communities in Burlington, Burlington Towers provides a prime rental opportunity. Not only a great community socially – but also in terms of being surrounded by convenience and amenities. From shopping to highway access, it’s in a great location. Suites are modern and stylish and the community enjoys an extensive list of amenities, making this more than a home it offers an exceptional lifestyle. For more information on Burlington Towers visit burlingtontowers.com – and get ready for some spring cleaning. Landry-Taylor and Rodrigue would like to see another event around Easter – though the big red bin will remain on-site for resident donations at any time. To donate to Clothesline directly you have three options: By phone: Call 1-800-505-5525 to schedule a free pick up Online: Schedule a free pick up at diabetes.ca In person: Visit a donation centre. To find one near you, call 1-800-505-5525 or visit diabetes.ca/clothesline. Clothesline accepts gently used clothing, all cloth-based items, purses, accessories TheRentersGuide.ca shoes, boots, drapes, bedding, toys, kitchenware, cell phones, cameras, electronics, small household appliances, technology and more. For more information on Clothesline and the National Diabetes Trust visit diabetes.ca/clothesline.

TheRentersGuide.ca

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

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(At Maple Avenue) Burlington, ON

burlingtontowers.com

Ontario Street Lakeshore Road

Joseph Brant Hospital

Unfurnished

To Hamilton

Furnished

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QEW

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Mapleview Shopping Centre

BURLINGTON TOWERS

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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

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Hamilton

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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

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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

Your complete rental source. TheRentersGuide.ca is your FREE apartment guide. Pick one up today from over 4000 locations in the GTA.

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December 7 - 21, 2013

Burlington 01553

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$1,200

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Three-bedroom with garage

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moving

Moving etiquette Follow the

golden rule

BY CHUCK R ESNICK

ven at the best of times, moving day can be stressful for everyone involved. Whether you are moving into/out of a highrise apartment building, condo, low-rise home or commercial property, a move involves trucks, boxes, packing materials, workers and a certain amount of organized chaos. As with any major event, preparation is key. There are certain things to do on moving day to make things go as smoothly as possible. The first is to be sure to bring your manners with you.

TheRentersGuide.ca TheRentersGuide.ca

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TheRentersGuide.ca

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

03861

St. Catharines

Please say you saw it in Renters Guide!

December 7 - 21, 2013

St. Catharines

1 BEDROOM FROM $795 2 BEDROOM FROM $895

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w w w. e f f o r t t r u s t . c a December 7 - 21, 2013

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finances

THE BREAK-UP:

regaining financial stability after divorce is a priority TD Canada Trust offers advice to the newly single for laying the groundwork to long-term financial success If there is one constant in the entertainment gossip pages, it is celebrity divorces. While celebrity couples may appear to take this in stride, they are not immune to the financial blow felt by most couples going through a divorce. Recent research from TD Canada Trust suggests many Canadians may not be financially prepared for a break-up, but there are steps women and men can take to regain their financial footing as soon as possible after divorce. According to research conducted for TD Canada Trust, the majority of Canadians in serious relationships have shared assets. Of those Canadians currently in, or recently in, a relationship, 72 per cent own a home together, 68 per cent have a joint bank account, 64 per cent have a joint financial plan and 52 per cent have a joint credit card. And, divorce TheRentersGuide.ca proceedings are taking longer, with 21 per cent lasting more than two years, an increase of six per cent in the past five years. “Most Canadian couples are financially interdependent, and it is a real challenge trying to navigate the financial aftermath at the end of a TheRentersGuide.ca relationship. Many people just aren’t prepared for the costs associated

with divorce and how their lifestyles may change afterwards,” says John Tracy, senior vice president, TD Canada Trust. “It’s important for newly single Canadians to stabilize their financial situation after a break-up so that they don’t start taking on debt, and there are simple steps people can take to re-establish their financial independence at any stage in life.” John Tracy offers advice to newly single Canadians on how to regain financial stability: Get started: The first step in establishing your financial plan is to understand your current position. You and your partner may have joint assets and liabilities. You’ll need to work out the division of the assets and find out what liabilities you’ll be responsible for. Work with an expert to understand the implications of dividing your assets and get an accurate and thorough understanding of your financial position. TheRentersGuide.ca Speak with a financial advisor: If your partner was the one who was making most money-

TheRentersGuide.ca

related decisions, it’s time to take the reins on money management. Even if you’ve always been in charge of finances in your household, it’s important to reevaluate your goals and financial situation, and adjust your investments accordingly. Now is the time to reconsider your priorities and goals and what your retirement looks like. A financial advisor can help you navigate your way through these questions and help you create a financial plan. A plan is essential to organizing your financial resources so you can achieve your shortand long-term goals. Even if you and your former spouse shared a common financial advisor prior to the separation or divorce, your financial advisor should respect your privacy as you work together on your future financial plans. Focus on building wealth: Becoming financially independent means it is solely your responsibility to accumulate wealth for the future. Moving from a saving to an investing mindset is an effective strategy to help build your wealth over time - and it doesn’t need to be daunting. Look for investment options that offer a low minimum investment. Everyone has a different risk profile, though, so make sure you have the right mix for you. And, speak to your bank about setting up a pre-authorized transfer that automatically transfers a set amount at regular intervals throughout the year into your RSP. In addition to saving without having to think about it, regular contributions also let you benefit from dollar-cost averaging, which can help build your wealth faster. Start today and continue to track your progress: Once you have your plan in place, it’s time to move forward with your finances. Create a budget, stick to it and track your progress - being disciplined with your budget today will pay off in the future. It’s important to review your financial plan regularly to ensure it continues to evolve as your needs and lifestyle change. It’s not unusual to have an event that causes a detour in your plan, but a good advisor will be there to help you make sound choices to ensure your goals remain on track. And if you’re not sure how to balance competing savings, investing and debt priorities, try out the available online budgeting tools or visit your local branch and talk to an advisor. TD Bank Group commissioned Environics Research Group to conduct a telephone omnibus survey of 2,000 Canadians 18 years of age or older, with 1,379 who are currently or were recently in a serious relationship. Results were collected between January 5 - 15, 2012. 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

TheRentersGuide.ca sixth largest bank in North America.

TheRentersGuide.ca TheRentersGuide.ca

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THERENTERSGUIDE.CA

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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

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Longwood

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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

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FROM

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WESTDALE PROPERTIES Residential - Industrial - Commercial

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SERVICE RD. BERRYMAN

IDA STREET

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Now Accepting Payments Interac Only

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• 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

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FOR A NEW

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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.

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