Whether it’s your very first home or a fresh start,there’s a lot to be aware of when it comes to household maintenance. While some developers provide guides to help homeowners get acquainted with maintenance schedules, most owners have to learn on their own. That’s why we consulted Paul Justice, of Justice Construction, to compile a comprehensive—and handy!—timeline to give you a head-start on what to check, when to check it, and how to prepare for the short and long term. 

The importance of scheduling

Many homeowners overlook maintenance items until serious repairs are needed, ultimately costing more money. According to Justice, the two most commonly overlooked items by homeowners are the foundation and mould. By being aware of what to look for and establishing a habit of regular maintenance and inspections, you can stay on top of your home’s care, boosting its value and ultimately reducing stress and saving money on costly repairs or renovations.

Monthly

Choose one day each month for these revolving items which can easily be performed in a morning or afternoon.

• Replace the furnace filter (if you don’t have central air conditioning, then you only need to do this during months of operation).
• Clean your kitchen range hood filter.
• Test your smoke and CO (carbon monoxide) detectors.
• Wash hardwood floors (if you have them).
• Clean your shower heads and faucet aerators.
• Inspect and clear out all sink and tub drains.

Pro tip: The best way to prevent drain blockages is with a fine filter drain insert in your kitchen and bathroom drains. This ensures your drains never collect sediments, hair or food waste. Never rely on liquid drain cleaner to clear blockages. 

Semi-annually

These tasks should be performed twice each year, once when preparing for winter and again each spring.

• Replace smoke and CO detector batteries.
• Check your attic for evidence of water incursion, rodents and confirm your insulation is in good shape.
• Inspect your windows and doors (ensure frames, sweeps, stripping and caulking are in good shape).
• Test your hot water tank’s pressure relief valve.
• Inspect your eavestroughing, gutters, and flashing.
• Clean your baseboard heater grills (turn off any breakers beforehand and be sure the grills are dry before re-engaging them)
• Vacuum your air return ducts
• Pull out appliances like your fridge and stove to vacuum and dust behind 

Annually

Annual maintenance and inspections usually happen in the spring or fall with a few exceptions that are not season-specific.

Spring:

• Inspect and pressure wash your home’s exterior.
  Pro tip: Keep an eye on the caulking used to seal your siding.
• Inspect your roof, eaves, and flashing each spring.
  Pro tip: If there’s any sign of curling, cracking or disintegration, we recommend calling  a roofing inspector immediately.
• Inspect and clean your AC.
  Pro tip: You only need to use a garden hose to clear dirt and debris from the unit. Remember to disconnect the power first!
• Check your deck or porch, and wood fence for damage or rot and replace boards as needed.
• Pressure wash your deck and fence. Watch your pressure settings though so you don’t accidentally gouge your wood!
• Inspect your asphalt driveway. If you see the colour and definition of individual pebbles, then you know it’s time to reseal.
• Have your carpets professionally cleaned. You can also rent a carpet cleaning machine.
• Have your chimney and fireplace/wood stove inspected and cleaned.
• Check for mould: Inspect your home’s interior, especially places you don’t see often, and check for musty or dank odours.
  Pro tip: If you discover mould, do not stop until it’s safely cleaned and the source identified and corrected—this may require a mould remediation expert.
• Inspect horizontal runs from your gutters.
  Pro tip: Ensure water is being directed away from the house so it does not collect and soak into the foundation.
• Inspect your foundation for cracks and moisture.

Fall:

• Test your home’s thermostat.
• Inspect and clean out your eavestroughs and gutters.
• Check your septic system (if you have a septic tank, it’s important to have a professional inspect it annually).
• Drain and shut off exterior faucets.

Any time of year:

• Inspect your plumbing for leaks or sweating.
• Review your electrical system. Whether you live in an older home, or a new build, identifying potential problems early can save a lot of stress down the road.
• Call an HVAC professional to service your furnace each year.
• Inspect your flooring for wear and tear.
• Check your toilets-if they start to rock, prevent damaging leaks by replacing the flange.
• Check for wiggly door handles and squeaky hinges

Here’s how to replace your toilet’s flange:

YOUTUBE

Preparing for the long-term

You know that rainy day you’re always told to save for? Putting money aside for any eventual repairs is a smart way to avoid unnecessary shocks down the road. With modern building materials and warranties, it may be decades before repairs are needed, but it’s best to be ready. 

Five years:

• Have your ducts cleaned
• Replace carpet in high traffic areas. A long-term, economical solution is to install laminate flooring, which can last upwards of 15 years with little maintenance.
• Paint your home’s interior. 
• Replace the gaskets and washers in your faucets to prevent leaks.

Ten years:

• Re-paint your home’s exterior. Depending on the type of paint and materials used for your siding, you should budget to repaint every 10 years. 
• Refinish your hardwood floors. This may need to be done sooner—or later—depending on how highly trafficked your floors are.

15 years:

• Be prepared to replace all or part of your roof, depending on the materials used and any warranties applied. 
• Laminate flooring may need to be replaced.
• Siding may need to be replaced on your home’s exterior.

25 years:

• CSA approved windows reach the end of their lifetime at 25 years, and will likely need to be replaced.

It’s never too soon to start your own household maintenance schedule, and to start saving for those larger eventualities down the road. The savings to your pocket book as well the peace of mind that comes with preparedness will go a long way to ensure long-term enjoyment and comfort in your home.

In recent years, the kitchen has gone from simply being a place to make food to a spot where you can inject style and personality into your home. 

“Kitchen spaces are very personal and given how much our lives have been altered in the past few years … clients are always looking for spaces that bring calm and peace even in its most sophisticated state,” explains Orienta Di Pietrantonio, an interior decorator with Emerald Interiors in Toronto, Ontario. “

As we head into 2024 with new design and décor trends, here are seven kitchen design trends we’re looking forward to.

Cozy shades

According to Di Pietrantonio, 2024’s colours are all about warmth and comforting hues. 

“Whites will never be a thing of the past,” she explains. “Some may dispute cooler whites are still the way to go, but, in 2024, you can look forward to warmer whites instead.”

She notes the rich jewel tones that dominated 2023’s design trends will continue to be a defining feature in kitchens. This means we’ll be seeing shades of green, red, and burgundy. Orangey topaz and blue are making a comeback and, perhaps due to the massive popularity of the movie Barbie, so is pink. Additionally, brown, Di Pietrantonio reports “is the new black.”

Consider new placemats or table runners in forest green or burgundy, but be careful to balance the red and green scheme—you may run the risk of looking a little too Christmassy. If you’re looking for a weekend project, painting your cabinets or redoing your backsplash could be a bold way to inject 2024’s colours into your kitchen.

Extra touches of greenery

A few years ago, herbs were the most common plants you could find in kitchens. Greenery of all kinds is now being welcomed into these spaces. Di Pietrantonio loves this trend because it’s an easy way to create atmosphere you can change whenever you want. Whether you prefer to make a statement, or keep the décor understated, there’s no limit to the shades and textures you can explore simply by getting a new kitchen plant.

Consider hanging plants in front of your windows, or putting them on your kitchen island. Just be sure they have enough sunlight—and that you still have enough counter space. You can also opt for fake plants, which might be better if your thumb is a little less green than others, or if you have pets who are prone to eating things they shouldn’t. Just make sure you have plenty of space between the plants (real or fake) and your stovetop.

Natural tones and textures

Natural materials will continue to be the tones and textures of choice in 2024. Materials like the ever popular rattan, bamboo, and wicker are still having their moment. Light wood tones, reminiscent of Japandi design, will be used to complement this look. 

As for how to incorporate this trend, Di Pietrantonio recommends you keep it simple. Switching out your chairs and stools with bamboo and rattan, for instance, will give the kitchen a new look without a total redo. You could also look for wooden accessories, like napkin holders or bread boxes. 

Communal kitchens

“Open, multifunctional spaces continue to be in style,” Di Pietrantonio says. “The pandemic has changed relationships so people are looking for more ways to connect. With more people working or studying from home, kitchens are more important than ever given they’re a common communal space.”

You can adopt this trend by switching out your countertops for something shallower, creating more room for people to gather and move around, though admittedly this is a big project. One simple way to embrace a gathering-space kitchen is by adding stools around your island so it can double as a place to eat and relax.  

Retro vibes

We’re going back in time.  

“‘70s vibes are coming forward with browns and wonderful jewel tone colours,” Di Pietrantonio explains. “Retro or vintage-modern vibes are still popular. We’re looking forward to seeing more floral patterns and small geometrical designs in 2024.”

It’s the perfect trend for pattern lovers, especially those who frequently change their kitchen’s backsplash. All you need is peel-and-stick wallpaper and some free time.

Stylish sustainability

Homeowners are looking to reduce their environmental footprint, which means upcycled or thrifted items in their décor. Using recycled or reclaimed wood is becoming increasingly common, due to the increasing popularity of a less ‘polished’ décor. You can also achieve this by visiting a local antique or thrift store to find accessories that match the aforementioned retro vibes. 

Another way to introduce sustainability into your kitchen design is by making items like recycling and composting bins a part of your kitchen décor. Get a stylish recycling bin that complements your theme. Similarly, create a set space for your composting bin that’s hidden yet easy to access. 

“There are affordable ways to achieve these trends without breaking the bank,” Di Pietrantonio says. Her top recommendations? “Paint one accent wall and dress it up with wall art that reflects trending colours and textures. Switch a main light fixture with a bolder statement piece. Get more plants, and accessorize.”  

Transforming your home into a lush and vibrant oasis doesn’t have to pose a threat to your furry friends. Many common houseplants can coexist peacefully with pets, adding a touch of nature to your living space while ensuring the safety and well-being of your beloved animals. Let’s explore some of the safest houseplants for animals, allowing you to create a pet-friendly haven that nurtures both your plants and your pets.

Spider Plant:

Spider plants are not only resilient and easy to care for but are also non-toxic to both cats and dogs. These graceful plants, with their arching leaves and air-purifying qualities, make a wonderful addition to any pet-friendly home.

Boston Fern:

Known for its lush, feathery fronds, the Boston Fern is a favourite among plant enthusiasts seeking a pet-safe option. This plant is non-toxic and can thrive in low to moderate light conditions, making it an excellent choice for various areas of your home.

Areca Palm:

The Areca Palm, also known as the Butterfly Palm or Bamboo Palm, is a pet-friendly choice that can add a tropical touch to your space. These palms are non-toxic and are known for their air-purifying properties, creating a healthier indoor environment for both pets and humans.

Calathea:

Calatheas are a family of plants that come in various striking patterns and colours. They are safe for pets and add a touch of elegance to your home. The Prayer Plant is a popular member of the Calathea family, known for its fascinating leaf movements.

Friendship Plant:

With its unique coin-shaped leaves, the Friendship Plant is a safe and attractive choice for pet owners. This low-maintenance plant thrives in indirect light and can be easily propagated, making it a great option for sharing with friends or expanding your plant collection.

African Violet:

For those looking to add a splash of colour to their homes, African Violets are a perfect choice. These flowering plants are safe for pets and come in a variety of hues. Place them in a bright, indirect light spot, and they will reward you with their charming blossoms.

If you are planning on applying for a mortgage, one of the most important factors that lenders will consider is your credit score. Your credit score is a numerical representation of your creditworthiness, and it is used by lenders to determine your risk as a borrower. A higher credit score can lead to a lower interest rate on your mortgage, while a lower credit score can result in a higher interest rate or even a denial of your mortgage application. If you are looking to improve your credit score in order to qualify for a better mortgage rate, here are five tips to help you get started:

1. Check your credit report and score

The first step in improving your credit score is to check your credit report and score. You can get a free copy of your credit report from each of the three major credit bureaus (Equifax, TransUnion, and Experian) once a year by visiting annualcreditreport.com. In addition, there are also various websites and apps that can provide you with a free credit score. By checking your credit report and score, you can identify any errors or mistakes that may be negatively impacting your credit score and take steps to correct them.

2. Use credit responsibly

Building a good credit score takes time, so it’s important to use credit responsibly from the start. This means only borrowing what you can afford to pay back, paying your bills on time, and not maxing out your credit cards. By using credit responsibly, you can establish a good credit history and improve your credit score over time.

3. Pay your bills on time

Payment history is one of the most important factors that contributes to your credit score. By paying your bills on time, you can demonstrate to lenders that you are responsible and reliable when it comes to paying your debts. Set up automatic payments or reminders to ensure that you don’t miss any due dates.

4. Reduce your credit card balances

Credit utilization is another important factor that affects your credit score. This is the ratio of your credit card balances to your credit limits. A higher credit utilization ratio can indicate to lenders that you are using a large percentage of your available credit, which can be seen as a risk. To improve your credit utilization ratio, try to pay down your credit card balances as much as possible and aim to keep your balances below 30% of your credit limits.

5. Don’t close old credit cards

If you have credit cards that you no longer use, it may be tempting to close them in order to simplify your finances. However, closing an old credit card can actually have a negative impact on your credit score. This is because the credit card’s age is a factor in your credit score, and a longer credit history can help improve your score. Instead of closing old credit cards, consider keeping them open and using them sparingly to maintain a good credit history.

6. Dispute errors on your credit report:

If you find errors on your credit report, it’s important to take action to correct them as soon as possible. Credit report errors can occur for a variety of reasons, and they can have a significant impact on your credit score. By disputing errors on your credit report, you can help ensure that your credit score reflects your true creditworthiness.

7. Monitor your credit regularly

It’s important to monitor your credit regularly to ensure that your credit score is accurate and up-to-date. In addition to checking your credit report and score once a year, you can also consider signing up for a credit

monitoring service or setting up alerts to notify you of any changes to your credit. By monitoring your credit regularly, you can stay on top of any potential issues or mistakes and take action to correct them.

8. Don’t apply for too many credit cards at once

Every time you apply for a credit card, it results in a hard inquiry on your credit report, which can temporarily lower your credit score. To avoid too many hard inquiries, try to limit your credit card applications to only when you really need them.

9. Consider a secured credit card

If you have a low credit score or a limited credit history, a secured credit card may be a good option. A secured credit card is a type of credit card that requires a deposit as collateral, which is used to secure the credit line. By using a secured credit card responsibly and paying your bills on time, you can build or improve your credit score.

In conclusion, improving your credit score can be a key factor in getting approved for a mortgage and securing a better interest rate. By checking your credit report and score, paying your bills on time, reducing your credit card balances, avoiding too many credit card applications, and considering a secured credit card, you can take steps to improve your credit score and increase your chances of getting approved for a mortgage.

Living in a condominium offers a unique lifestyle, combining the convenience of urban living with the comfort of a private home. One of the biggest advantages of condo living is the access to a wide range of amenities that enhance the overall living experience. It is important to understand the wide variation in amenities offered before buying your condo. In this article, we will delve into the world of condo amenities, exploring what they are, why they are important, and highlighting the essential and luxurious options available.

UNDERSTANDING CONDO AMENITIES

Condo amenities refer to the shared facilities and services available to residents. These can include anything from fitness centres and swimming pools to security features and pet-friendly spaces. The purpose of these amenities is to enhance the quality of life for residents and create a sense of community within the condominium complex.

As shared spaces, condo amenities are usually maintained and improved by the condo corporation. Residents contribute towards these ownership and maintenance costs via monthly common expenses.

WHAT ARE CONDO AMENITIES?

Condo amenities encompass a wide range of services and facilities that are designed to cater to the diverse needs and preferences of residents. They serve as an extension of your living space, providing additional convenience and enjoyment. Whether you’re looking for a place to relax and unwind, socialize with your neighbours, or maintain an active and healthy lifestyle, condo amenities have got you covered.

THE IMPORTANCE OF QUALITY AMENITIES

Investing in a condo with top-notch amenities can significantly impact your daily life. Quality amenities not only add value to your property, but they also enhance your overall well-being. Having convenient access to amenities eliminates the need to travel elsewhere for basic services, saving you time and effort. Moreover, amenities provide opportunities for social interaction and community engagement, fostering a sense of belonging and creating lasting memories.

Condo corporations usually make their best efforts to make sure these facilities are clean, functional, and operational. Occasionally, this duty can entail a renovation of the common areas. This can be done via budgeting or charging the owners in a special assessment. Before buying a condo, it's important to understand the improvements planned or scheduled, which will be detailed in the Status Certificate.

ESSENTIAL CONDO AMENITIES

When it comes to essential condo amenities, a few options stand out as must-haves for any prospective homeowner. Let’s explore these amenities that are crucial for a comfortable and convenient living experience.

SECURITY FEATURES

Your safety and peace of mind should be a top priority when choosing a condo. Look for buildings equipped with robust security features such as 24/7 surveillance, access control systems, and professional security staff. These measures ensure that you can enjoy a worry-free living environment.

PARKING FACILITIES

Convenient parking facilities can make a world of difference in urban living. Look for condos that offer designated parking spaces or even underground parking garages. Parking spaces can be owned, exclusively assigned, or first-come first-served. Parking ownership or assignment eliminates the hassle of searching for parking and provides added security for your vehicle.

Ensure that the building has sufficient visitor parking too, and double-check the overnight parking policy. Should you have family or friends spend the night, you don’t want to wake up to a ticket or a tow!

FITNESS CENTRES AND POOLS

Maintaining an active lifestyle is essential for your physical and mental well-being. A well-equipped fitness centre within your condo complex allows you to work out conveniently without having to travel to a gym. Additionally, having access to a pool provides a refreshing way to cool off and stay fit during the summer months.

PET-FRIENDLY AMENITIES

If you’re a pet owner, it’s important to choose a condo that accommodates your furry friends. Look for properties that feature pet-friendly amenities such as designated dog parks, dog-washing stations, and easy access to outdoor spaces for walks and playtime. Your pet will appreciate the additional love and attention they receive in their new home!

LUXURY CONDO AMENITIES

If you’re looking for a touch of extravagance and sophistication, luxury condo amenities will exceed your expectations. These amenities elevate the condo living experience to unmatched levels of comfort and luxury, ensuring that every moment spent within your home is pure bliss.

SPA AND WELLNESS CENTERS

Imagine having a luxurious spa right at your doorstep. High-end condos often feature spa and wellness centres where residents can indulge in rejuvenating massages, facials, and other wellness treatments. These spaces provide a retreat from daily life and promote self-care and relaxation.

ROOFTOP DECKS AND OUTDOOR SPACES

There’s something magical about enjoying panoramic views from a rooftop deck. Luxury condos often offer expansive outdoor spaces where residents can unwind, entertain guests, or soak up the beautiful surroundings. These rooftops serve as an oasis in the bustling city, allowing you to reconnect with nature and escape the urban chaos.

PRIVATE DINING AND ENTERTAINMENT AREAS

Luxury condos often provide private dining and entertainment areas to impress your guests. These spaces allow you to host elegant dinner parties or intimate gatherings without having to leave the comfort of your building. Imagine the convenience of having a fully equipped kitchen and a stylish dining area just a few steps away from your front door.

ECO-FRIENDLY AMENITIES

As sustainability and environmental consciousness continue to gain prominence, many condo developers are incorporating eco-friendly amenities into their projects. These amenities aim to minimize the ecological footprint of the building while providing residents with a healthier and greener living environment.

ENERGY-EFFICIENT APPLIANCES

Choosing a condo equipped with energy-efficient appliances is not only environmentally friendly but also cost-effective. Energy-efficient appliances consume less electricity, reducing your carbon footprint and helping you save on utility bills. Look for condos that prioritize sustainability by using appliances with high energy-efficiency ratings.

GREEN SPACES AND GARDENS

A touch of greenery can transform a condo complex into a serene oasis. Developers are incorporating green spaces and gardens within condo complexes to offer residents a connection to nature. These spaces not only improve air quality but also provide opportunities for relaxation, exercise, and gardening.

RECYCLING AND COMPOSTING FACILITIES

Reducing waste is a crucial step towards a sustainable future. Condos that prioritize environmental responsibility often provide recycling and composting facilities for residents. These amenities make it convenient for you to dispose of waste responsibly, minimizing the impact on the environment.

Condo amenities play a significant role in enhancing the quality of life for residents. From essential amenities that provide convenience and security to luxurious and eco-friendly amenities that elevate the living experience, there is a wide range of options. When buying a condo, it’s essential to consider your lifestyle preferences and prioritize the amenities that align with your needs. Whether you value an active lifestyle, crave luxury and indulgence, or seek a sustainable living environment, there are condo amenities out there that will cater to your desires and make your condo truly feel like home.

Have you stuck to your New Year’s resolutions so far? Whether it’s eating healthier, keeping the house clean, getting more exercise, or something more personal, New Year’s resolutions can be tricky to keep.

More often than not, people try to get on top of their home organization at the beginning of the year, making a vow to keep things tidy all year round. We spoke with Nina Duque and Hillary Tan-Ortiz of Overdue Solutions, a cleaning and organizing service from the Greater Toronto Area, and they gave us some of their best tips on how to keep your home organized this year—and where to start. 

“Most people would go for the areas that are an eyesore (out in the open), but we recommend tackling your hidden spaces like closets, cupboards, or cabinets,” says Tan-Ortiz. “These spaces generally hide things you haven’t touched in a while—and will likely never touch for weeks, months, or years to come. Clutter builds up in those spaces because you’re not looking at the mess everyday and we often fall into the trap of ‘out of sight, out of mind.’ You’d be surprised to find things have accumulated overtime.”

What should you ask yourself when decluttering?

It’s not uncommon to build emotional attachments towards your stuff, but it can become a hindrance when you’re trying to declutter your space. 

“Purging can be both nerve-wracking and therapeutic at the same time, but it’s all about practicality,” Duque shared. “If you’re trying to decide on if you should keep or get rid of an item, there are some questions to ask yourself such as:

• When was the last time you used this item? If the answer is more than a year ago, it might be worth reconsidering if you’ll ever use it again.
• How often have you used this item since purchasing it and was it being used enough for you to say it was worth the purchase? If the answers are no, then we’re sorry to say you might have been a victim of an impulsive purchase. (We’re all guilty of it!)
• Take an inventory of your items—do you really need four different hair straighteners? Sometimes you don’t even realize you have multiples of the same item and if you do, it might be worth donating to others who could use your extras.

We’re not going to ask you if it sparks joy, but it’s definitely worth asking yourself if it serves any purpose in your current environment. Sometimes an item that worked well in your old apartment might not have a home for the new house you just bought. Again, think about practicality.

What are the best home organization tips?

Just like buying a home or a car, there aren’t any one-size-fits all solutions to keeping your home organized. According to Overdue Solutions, it’s all about customizing your solutions to your lifestyle and what makes the most sense for your space. That being said, there are a few key strategies you can consider. 

“We often recommend the items you use the most be the easiest to access, and the rest should go into proper storage areas,” Tan-Ortiz explained. Otherwise, here are some other tips to help you out:

• Group liked things together—arts and crafts supplies in a bin, cleaning supplies in the same area, electronics stored together, etc.
• Use clear plastic bins because they help immensely for easy identification if you’re looking for something. Avoid bags! 
• Get into the habit of storing your items in designated spots as soon as you bring them into a new space. If you’re not much of an art décor person, maximize wall space by hanging up items or setting up shelves instead.

What are the areas people tend to forget when organizing?

When you take a look at your home and assess what needs the most attention, odds are you’re focusing on the areas you can see. Bookshelves, coffee tables, the living room, and other highly visible areas are often the first places we start when trying to get organized, but there are a few areas we tend to forget. 

“Kitchen cabinet drawers, shoe racks/cabinets, and bathroom cabinetry (especially under the sink) often get neglected even though they’re wildly overused,” Duque shared. “These storage spots are in high-traffic areas and usually get overly stocked up with various items. We highly recommend purging those areas every season to make sure the stuff that’s not really needed is taken out.”

The best way to organize…

Armed with the knowledge of where to start and what to ask yourself, it’s time to begin organizing and decluttering! Nina and Hil shared their tips on organizing four main areas of your home. 

Bedrooms

“Tackle the closet first!” Duque explained. “A big part of the average person’s bedroom is actually their closet space and/or storage for clothing. Clothing needs to be arranged so the most used outfits (and undergarments) get placed in an easy access area. Seasonal arrangement also helps so you’re not constantly grabbing the wrong things—no one likes reaching over a winter coat when trying to grab a fall sweater.”

Kitchens

“Clear the counter space!” Tan-Ortiz stressed. “It helps immensely when you’re actually trying to use the kitchen to…cook (gasp). And when organizing your pantry, do it by product similarity and what you use most. For example, if you’re a coffee/tea person, that’s definitely the first thing you’ll want to grab rather than some canned goods.”

Playrooms and basements

“Bins, bins, bins,” Duque shared. “Basements are sometimes the go-to extra storage space in households and are often forgotten about. Dust tends to collect faster in basements so bins are your best bet at maintaining storage. Clear bins go a long way in helping you identify things easily.”

Linen closets

“It all depends on your personal preference but we recommend organizing linen closets by colour so it’s easier to identify what matches,” Tan-Ortiz explained. “Plus, it’s always good to know if you’re running out of white towels and will need to do a load of whites, for example.”

In the end, home organization comes down to what works best for you. While there are concepts and tricks to getting started, your home should be set up to best suit your lifestyle and routine—whatever that may be!

The Background

The COVID-19 pandemic brought about various changes and delays to just about everything, and Ontario’s property assessment was no exception. To adapt to the circumstances during the pandemic, the Ontario government postponed the 2020 assessment update. As a result, property assessments for the 2023 and 2024 property tax years will be based on the fully phased-in January 1, 2016 current values. This decision allowed the government to extend the postponement of a province-wide reassessment through the end of the 2021-2024 assessment cycle.

The 2016 Benchmark

In 2016, the Ontario government mailed a Property Assessment Notice to every property owner in the province. This notice reflected the assessed value and classification of each property as of January 1, 2016. Remarkably, this benchmark will serve as the foundation for calculating property taxes for 2023 and 2024. So, what does this mean for homeowners?

If you were a property owner in 2016, you may wonder how the property’s value from seven years ago is relevant to your current tax bill. It’s a valid concern, as property values can fluctuate significantly over time. The answer lies in understanding that the 2016 benchmark as a snapshot in time, serving as a reference point. However, prepare yourself for a possible and maybe even significant increase on the next assessment. 

Ongoing Property Review

The Municipal Property Assessment Corporation (MPAC) continues to review properties during non-assessment update years. Even though the 2016 benchmark serves as the starting point, many factors prompt a reassessment. According to MPAC, these changes could include:

1. Change in Property Ownership or Legal Description: If there has been a change in the legal ownership of your property, meaning you bought and/or sold, you might receive a notice from MPAC.
2. Value Changes from Appeals: If you’ve previously filed a request for reconsideration or had an assessment review board decision, and it resulted in a change to your property’s assessed value, this will be reflected in your assessment.
3. Structural Changes: Any additions, renovations, or demolition of structures on your property can impact your assessment. A new structure, the removal of an old one, or significant modifications will be considered.
4. Classification or Tax Liability Changes: If the classification of your property changes, it can affect your tax liability. Understanding the classification of your property is crucial as it determines your property tax rate.

What to Expect in 2024

As 2024 fast approaches, it’s essential for homeowners to be aware of these factors. With the 2016 benchmark serving as the base, any property changes made since then can lead to increases in your property assessment. 

Property taxes are also influenced by municipal budgets and tax rates, which can fluctuate from year to year. Understanding your property assessment is a vital step in the process, as it allows you to make informed decisions about your financial planning and property ownership.

If you’re a prospective buyer entering the market in the coming months, this information is equally important for you. When considering a property purchase, it’s vital to understand not only the property’s current value but also its potential for changes in the near future.

By being proactive and understanding the factors that affect property assessments, homeowners can plan and prepare for any changes that may come their way. Whether you’re a current homeowner or a future property buyer, knowledge is your greatest ally in navigating Ontario’s property assessment system, be prepared. 

Fire safety in the home is essential throughout the year, though extra attention is encouraged during colder seasons as we fire up our heating systems and turn to candles to create warm atmospheres. There are simple, yet preventative, steps you can take to reduce the risk of fires in your home to keep you, your loved ones and your belongings safe.

This article will assess some of the key hazards in our homes we tend to overlook as well as the major, life-saving effect of working smoke and carbon monoxide detectors.

Fire hazards in your home you may not realize

Some fire hazards are easily identifiable, including unattended cigarettes or fire-burning candles, but there are some less obvious dangers we often overlook. Be sure to add these areas to your fire mitigation plan, too.  

Dryer lint

When it comes to fires caused by home appliances, dryers are at the top of the list. Make sure you’re regularly clearing lint from the trap, vent, and exhaust pipe. The lint trap should be cleaned after every cycle, while your vent and exhaust pipes should be at least once a year or when you notice clothes are taking longer to dry. 

Forgetting pots and pans on your stove

The Canadian Red Cross lists unattended stoves as one of the leading causes of home fires in Canada. Turn off your stove if you aren’t there to attend to it, and if you’re leaving something to simmer or stew all day, don’t leave the house with the stove on. Be sure to clean flammable grease and grime off your stove as they can catch fire and ignite nearby combustibles like kitchen cloths and towels, as well as cabinets and curtains. 

REMEMBER: Never use water to put out a grease fire. Turn off the heat source, use a metal lid to cover the fire, and use a fire extinguisher. If the fire feels unmanageable, evacuate and call 9-1-1. 

Overcrowding electrical outlets

Electrical fires can be caused by overloaded outlets. When outlets carry too much electricity, they generate an increased level of internal heat that could ignite a fire. Ideally, appliances should have their own outlet, and never plug more than one heating appliance into a single outlet. 

Dust building up around electrical outlets

Dust bunnies appear well before a spring clean, which is why it’s so important to dust your home regularly. Dust is highly combustible, and when it’s collected near electrical outlets or space heaters, it’s susceptible to igniting and spreading.

Flammable items on or near heat sources

Clothes, furniture, stuffed animals, towels, or other flammable materials could start a fire when placed on or too close to radiators, lamps, stovetops, lights, or space heaters. Double check there is adequate space between flammable belongings and heat sources. 

Leaving styling devices connected

Straighteners, curling irons, and flat irons all have the potential to start a fire if they are left plugged in and unattended. Adopt the habit of unplugging them immediately after use, and look for styling tools that have automatic shut-offs after a certain period of time. 

Christmas trees

Both artificial and real trees present fire hazards. Real trees should be watered daily to avoid becoming dry and highly flammable, especially with lights strung along the branches. Trees should also be kept far away from open fires or space heaters and electrical sockets should not be overloaded with Christmas lights. As noted above, overloading outlets is hazardous and could spread through a flammable Christmas tree quickly. 

How often should you test smoke alarms and carbon monoxide detectors? 

We expect our smoke alarms to be ready at any time to alert us of a fire, which is why it’s crucial to check them regularly. Smoke alarms come with manufacturer’s instructions on testing and maintaining your alarm, but First Alert recommends smoke detectors be tested on a monthly basis.

If your alarm is powered by a nine-volt battery, it’s recommended the batteries be changed every six months. Similarly, hardwired smoke detectors should have their backup batteries replaced every six months and be replaced entirely every 10 years, though it’s best to refer to the manufacturer’s recommendations.

Carbon monoxide detectors are mandatory for your home in most provinces, and strongly recommended even where it’s not law, as they catch dangerous levels that come from gas or wood-burning fireplaces, gas stoves and ovens, furnaces, boilers, and water heaters. They should ideally be replaced every five to seven years, and checked monthly to ensure they’re working properly. 

The placement of smoke and carbon monoxide detectors is again regulated by the province or municipality. In Ontario, for example, detectors must be located adjacent to all sleeping areas of the home if you have a fuel-burning appliance, fireplace, or an attached garage. If you’re unsure of your local or provincial laws surrounding carbon monoxide detectors, check with your local fire department.

Tips for fire safety as a homeowner

It’s important to be aware of all possible escape routes from your home, which is why a personalized home emergency evacuation plan is strongly advised by First Alert, among other fire safety organizations. Though ideally you’ll never have to use it, the plan should be in place and practiced at least twice a year to avoid heightening the panic or confusion in the event of an emergency. 

When making your escape route, consider the following: 

• identify multiple exits in the event your main exit is blocked during an emergency—First Alert recommends two exit routes from every room in your home;
• consider keeping escape ladders in rooms on the second floor for additional exit options;
• assign a meeting spot for the family in the even you’re evacuating separately; and
• assign one person to assist pets, children, or anyone else who may need help evacuating.

It’s also important for everyone in your home to know how to properly use a fire extinguisher. Think of the acronym PASS. Pull the pin, Aim the nozzle, Squeeze the handle, Sweep the area. First Alert recommends checking your fire extinguishers on a monthly basis to ensure the pressure indicator is pointed in the green zone of the dial. If it’s not, your extinguisher needs to be serviced immediately. They also remind people most fire extinguishers only last five to six years before they need to be refilled, so keeping track of those dates in something like a homeowner’s journal is key. 

Here’s a handy checklist of preventative measures and tips, in addition to your smoke alarms and carbon monoxide detectors, on how to proceed in the event of a fire:

• map out an escape route, making note of anyone who will need assistance and establish a safe place to meet outside of the home where everyone can be accounted for;
• make sure to completely stub out fire burning candles and any other lit items before leaving them unattended;
• keep flammable liquids or items like curtains, paper, and clothing at least three feet away from appliances like space heaters or radiators;
• if there’s a power outage, consider using a flashlight instead of candles; and
• as well as keeping matches, lighters, and flammable liquids out of reach of children, have regular conversations with them about the dangers of fire and ensure they’re aware of the “stop, drop, and roll” technique should their clothing catch fire.

While you may not be able to prevent fires completely, being prepared in the event of an emergency is key when it comes to keeping you and your family safe. If you’re ever curious about how you can make your home more fire safe, contact your local fire department for details. 

What are some common signs around the home that can lead to more serious problems for you in the future? And how does this affect your quality of life at home, not to mention the resale value?

When you own a home, you get to pick and choose when you want to make aesthetic repairs. Chipped paint in the wall may not be at the top of your priority list, but sometimes things we think can be left alone are actually a sign of larger issues at play. Ignoring these common problems around your home can lead to troubling outcomes, so it’s important to address them before they potentially become more serious—and more costly.

1. Water stains and warped walls, ceilings, or floors

What starts out as a small water stain or a warped wall or ceiling is often a sign of a leaky roof, dripping pipes, or faulty plumbing. Whether big or small, every leak should be looked into as soon as possible. 

“The first thing to check for are fixtures (faucets, sinks, toilets) then check your bathroom showers or tubs by running water through them,” says Paul Rodriguez of Intelligent Contracting Solutions, Ltd. in Toronto, Ontario. “Water intrusion into the home is a problem that cannot be ignored. It can lead to issues that will be expensive to remediate. If you’re unsure, call a plumber right away!” 

Water spots, warped or missing shingles, or water-damaged exterior walls are all signs of roof leaks. If you suspect a leak on your roof, you can check in your attic for water damage or mould around the rafters and roof sheathing. Leaks can also be identified by going onto the roof itself, but in this scenario you should call in a roofing professional to do so. 

Without being inspected and repaired, leaks can lead to water damage to your drywall, insulation, and flooring. As a result, mould, and mildew springs up. Ensure you quickly identify where the leak is coming from and call in a plumber or roofing professional (depending on where the leak originated) to get it repaired. The longer the leak lasts, the more likely structural damage and mould can occur, negatively affecting the health and resale value of your home.

2. Mould and mildew

Any time water or excess moisture enters your home, toxic mould can grow. Signs to look out for include musty, stale-smelling air, and small black specks, especially in your basement, attic, or around damp areas in your house, such as your laundry room. You may also feel your own health being affected with sinus, cold, and other symptoms. Don’t forget to check for mould and mildew if you’ve recently had to repair a water stain as mentioned above. 

“Don’t ignore leaks, they can lead to mould,” Rodriguez cautions. “This can have serious health impacts. If you notice mould behind drywall, inside cabinets, or another place where a leak has been happening, call an abatement company after having dealt with the leak with a plumber.”

It’s important to address mould growth before it spreads.You’ll need to identify why they’re occurring, and what repairs need to be done to prevent it. According to Health Canada, household dampness and mould can lead to eye, nose, and throat irritation, worsening of asthma symptoms, bronchitis, and eczema—all depending on the species, severity, and length of exposure. 

Potential buyers would absolutely take this into consideration, learn of the cost of repairs needed to stop the issue, and then take this into account when submitting bids.

3. Cracks in your home’s foundation

In Canada, our homes become subjected to extreme changes in weather, such as heavy wind,storms and relentless freeze-thaw cycles. Because of this, small hairline fractures may occur in the concrete around the outside of your house. These small cracks are common, but it’s important to look out for bulging or buckling in the concrete, or cracks wider than about the width of a pencil. These can be signs of more significant problems which require repairs to your foundation—no small task If you do see some cracks, but you’re not sure whether it’s time to call in a structural engineer or foundation contractor, Rodriguez says you can monitor them on your own—at first.

“Take a marker and make two lines across from each other, on opposite sides of the crack. Measure between the two lines, record the measurements. Come back in three weeks and measure again. If the gap has increased, call a structural engineer for an assessment. Settlement in new construction can happen, but drastic changes can mean something is wrong with the foundation such as footings or drainage.” 

If the gap hasn’t widened, there’s no need to address them unless you want to for aesthetic reasons. Just keep an eye on them and make sure they don’t grow. Without being addressed, these larger cracks can grow, allowing water and salt to enter the concrete and further erode the steel rebar within the foundation of your home. When this rebar erodes, it threatens the durability of your home and can lead to potential rotting and damage to the internal structure of your home. 

Other signs to look out for that signify your home’s foundation is shifting include cracks in the paint inside your home, difficulty opening and closing your doors and windows, or uneven flooring. Though these issues may be harmless—door frames can shift due to humidity in the summer—they may also be signs that one of the joists that support your flooring has rotted or is broken, requiring a replacement. If you’re unsure, it’s always best to get professional advice. 

Foundation issues can significantly affect the resale value of your home as a new owner would have to pay for repairs. Cracks in a foundation are something home inspectors look for, and if a home inspection is included as a condition of your home’s sale, it could mean the deal won’t go through. 

4. Pests and rodents

Pests and rodents can cause significant damage to your home, termites being one of the most destructive. Aside from the very unpleasant idea of having critters running around your home, rodents can cause damage you may not see right away.

“It’s important to have your home protected from the intrusion of rodents,” Rodriguez explains. “They can destroy insulation, wiring, and other components behind walls or in your attic. Inspect your home yearly for gaps around soffit and fascia, shingles or missing roofing materials. There are companies who specialize in removing rodents, squirrels or raccoons, as well as making sure they stay out.”

When it comes to insects, they can cause structural damage to your drywall and baseboards.

“Pests can be worse [than rodents] and detrimental to your wellbeing,” Rodriguez tells us. “ Identify what these pests may be in your area and call a specialist to treat and prevent intrusion.”

Signs to look out for include “termite tunnels,” which are small black or brown stick-looking tunnels made from wood, soil, and termite saliva. Small piles of shed wings, a significant amount of dead insects, mouse waste, chewed wires, or ripped-up paper, cardboard, or fabric are also indicators that you have a pest problem. 

It’s important to get an exterminator in your home and identify how these pests are getting in to prevent future problems. The longer you leave these insects and rodents alone, the more time they will have to breed and cause even more damage, lowering the resale value of your property.

5. Electrical overload

Do you own an older home that hasn’t had its electrical wiring inspected? There may be some tell-tale signs your home is experiencing electrical overload.

“Flickering lights or a breaker always tripping when running multiple appliances can be signs of shoddy electrical work or overloaded circuits,” Rodriguez says. “Ignoring these signs can lead to appliance damage, or worse, an electrical fire. Don’t wait, call a licensed electrical contractor to assess and repair any damage or improper wiring. Make sure an ESA [Electrical Safety Authority] permit is pulled and work is inspected. This way you can ensure that the work is done by code.”

Rewiring an entire home can be costly but is necessary and should be done as soon as possible by a licensed professional. When potential buyers have your home inspected, these wiring issues will definitely affect your house’s resale value.

If you ignore little problems, they become big. Don’t write off these signs of potential problems that can cost you more in the future.