February 2013

Found 7 blog entries for February 2013.

Whether you are downsizing, up-sizing or in-between sizing, it's never easy to say goodbye to your house once you have become emotionally attached to it. Even when you are progressing towards something much better, you are leaving behind a part of your life and it can be quite an emotional time saying goodbye to the property.

It can be especially difficult for seniors that have raised a family in their home to leave it behind and continue on to something new. Although it's a fact of life that changes happen, this can be an overwhelming one to face.

One of the reasons why it's so difficult is the sheer magnitude of the building itself. It's not like saying goodbye to a small object - a house is probably the biggest investment that was ever made in a lifetime…
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Both GICs and real estate have continued to be the best investment for your money here in Calgary. Both of these investment opportunities pretty much guarantee a steady rate of return on the money you invest into them. While the numbers are not going to be mind-blowing with GICs, they are the most secure and stable way to make sure that your money is safe for the long-term. With residential real estate investments, you can also expect your money to grow at least at the same rate of inflation, if not more.

Laddering your GICs

The best way to get the most out of a long-term GIC investment portfolio is to ladder it. This means to put it into different GICs with various term lengths.

For example, if you have $20,000 to invest you could section it

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If you've been trying to save up for a new home for a while and have enough money to afford a condo but just can't come up with the extra for a new single-family dwelling, you may be wondering whether condos are family-friendly or not. A lot of people have the misconception that condos are perfect for singles and seniors that have to downsize but not so great for families. While condos certainly are fantastic for seniors and singles that are just stepping into home ownership, there are a lot of family-friendly condos in Calgary that you and your family will absolutely love.

Condos are in fact a very sociable place to raise a child. There are usually child-friendly amenities such as a games room or a pool where children can meet and socialize together.

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Whether you have toddlers, a new baby or school-age children at home and are planning to relocate, there's something new and exciting that's going to make your house shopping all the more easier. It's an iPhone app called School Locator that available for free download at the Apple store. You'll be able to get information about the various schools that are located in different communities across the city later in 2013.

Right now, the school locator app only works in the Toronto area but data will be added to the app for the rest of the country in 2013. As things stand now, it is working great for home searchers in the greater Toronto area that want to find out what types of schools are available in certain areas across the city.

The app is free to

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Do you remember last month when we were talking about the Christmas tree drop-offs around the outskirts of town? We had mentioned that you could get a free sapling in exchange for your used Christmas tree that you could plant to help reduce your carbon footprint on the planet. With all of the trees that were donated to the cause, we thought we'd give you an update on what happened to some of those trees and how they are going to be used.

In Airdrie, the tree drop-off was held from December 27 up to 1 February. The Eastside Recycle Depot collected these trees after the holiday season and now it's time to put them to good use.

A chipping event was held for these Christmas trees on Saturday, February 2. This was hosted by the Waste and Recycling

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Do you live in Alberta for the weather? There are so many reasons why people are moving to Alberta but the weather, in most cases, isn't one of them. But it should be! According to Environment Canada, Alberta tops the list for having the climate that's the most comfortable in Canada.

Albertans can consider themselves to be very lucky even with the cold and snow prevailing throughout the winter months. As far as weather goes, Alberta is the most comfortable place to live says Environment Canada's senior climatologist, David Phillips.

In order to rate the overall comfort level of a province's or territory's climate they are each given points based on numerous weather categories. Some of these categories include the sunniest days, the lowest humidity

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You have certain things that you want to do and accomplish once you hit retirement and in order to get them done you're going to need to have enough money by your side. It seems so vague, though, to try to understand how much money you'll really need once you have taken inflation and other factors into account.

If you sit down with a financial advisor you'll often be told that you'll need at least 60% up to 70% of the income that you're earning annually before retirement to live comfortably. This can get a little scary for most Canadian since 70% of the employed here in Canada don't actually have an employer plan for retirement setup. As well, there are only about 33% that are making use of RRSPs every year.

According to a new book by Fred Vettese

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