Edmonton Renters Guide - 22 Feb., 2013

48

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Transcript of Edmonton Renters Guide - 22 Feb., 2013

Page 1: Edmonton Renters Guide - 22 Feb., 2013
Page 2: Edmonton Renters Guide - 22 Feb., 2013
Page 3: Edmonton Renters Guide - 22 Feb., 2013

Copyright covers the contents of this publication and prevents reproduction in whole or in part. Offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher.

Wall2Wall Media is a trademark of Yellow Pages Group Co. in CanadahomeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license

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

Address: P.O. Box 458 Station Main, Edmonton, AB T5J 2K1 Tel: 780.668.3570 Fax: 780.417.0973

DeaDline Date for VolUMe 29, iSSUe 05 iS feb. 28, 2013 @ 4:00 pM

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

RENTING A HOME? CMHC Offers a Range of Tips and Resources

Front Cover

FeatureVice-President, WAll2WAll mediA Jacqueline Hill

editor in chief, reAl estAte Susan Legge

nAtionAl Account mAnAger, mediAtiVe Paul Slizys

director of sAles, Western cAnAdA Josh Heppner

mAnAger, nAtionAl business deVeloPment Kate Nash

mediA consultAnt Carolyn Porteous

editor Elisa Krovblit

contributors Leslie Stylesr

senior Production mAnAger Gnanapandithan Bala

Production mAnAger Nikki Yarwood

Production coordinAtor Bala Menon

Art director Lee Cobham

design & Production

Mike Terentiev, Swinder Jodhka

circulAtion Bob Shewciw 780.420.2200 Ext. 2614

7 North Central

21 South Central

23 North East

26 Ft. Saskatchewan

30 North West

31 West

34 South East

36 South West

41 Houses, Condos & Duplexes, Executive Homes

SeCtIonS

eDItorIaL FeatureS

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

Published by

3824 42

quiCk tips 24 Five sure cures for the

empty-nest

28 From Boomers to Millennials: How an era can shape financial planning habits

finanCes 38 Pause, then plan, if over-

whelmed by money

sCruMpdillyiCious 42 Gingerbread Apple

Upside-Down Cake by leslie styles

Page 4: Edmonton Renters Guide - 22 Feb., 2013

a new year, a new place?

Here we are, already well into the second month of 2013. Perhaps some of your New Year’s resolutions may have already

been forgotten, but if finding a new place is still top-of-mind, we hope you’ll find this magazine helpful.

This issue offers a special focus on where to go to get tips on renting as well as resources to source - all from the experts at Canada Mortgage and Housing Corporation.

As you go about your search and visit potential locations, be sure to get a feel for each company and the staff. You should be comfortable and courteous asking questions and in turn you should expect to be treated with consideration and respect. Think twice about any property management company that doesn’t willingly provide any information you respectfully request.

Putting the customer first and offering the best quality rental space for your money is a property management company’s ultimate goal. Once you find the perfect space, don’t hesitate in going for it and making it your own. Hopefully it is one of the easier resolutions you may have on your list this year.

Let us know how your search for a new home goes. We’d love to hear from you.

Susan LeggeEDITOR-IN-CHIEF, homeTRADER [email protected]

Follow me on Twitter atTwitter.com/SusanLegge

don’t be taken by surprise when you move into your new apartment! Do your research first and make sure your needs are being met at your new home.

There are plenty of little things you should check out before you sign your lease. Don’t just assume that parking or utilities are included – ask. Don’t just guess that there’s a bus somewhere close by – check. And don’t just assume that you’ve lucked into a great property management company – do your homework. Find out if they’ve got any awards or certifications too.

Other unfortunate surprises include furniture that won’t fit. While an apartment may seem spacious, you should take actual measurements to ensure. Often the configuration of a space can pose a challenge to placing furniture because of windows, doors, the room shape or the location of the cable outlet. You don’t want to find out on moving day that your couch can’t come with you or that you need to downsize from a king mattress to a double.

If you’re not familiar with the neighbourhood, take a walk or a drive. See what’s in the community and where the amenities that you really need are located. Not good to be more than a short walk to the bus if you rely on public transit, and you might want to see where your child’s school is, how far the park is or how close the grocery is, so that there are no surprises!

With Renters Guide in hand you’ll find that perfect place. Our magazine and website, homeTRADER.ca, offer the best selection of available apartments as well as informative articles and advice, making it easy to make your move!

Elisa KrovblitEDITOR [email protected]

Follow me on Twitter at Twitter.com/ElisaKrovblit

Like us on Facebook facebook.com/TheRentersGuide

EDITORS’ NOTES

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

MER

IDIA

N ST

REET

(0 S

t.)

178

St.

LessardRoad

CameronHeightsDrive

170

St.

Grandin Rd.

Sturge

on

Road

Hebert

Rd.

Giroux Rd.

McKenney Ave.

St. Vital Ave.

Sir W

insto

nCh

urch

ill Av

e.

Boudreau Rd.

Levasseur Rd.

2

ST. ALBERT

Check out www.hometrader.caFor your online listings

We’ve got your bases covered!

Gibbons

28A

Calmar

For More Information on Advertising Please Call

780-668-3570

Page 5: Edmonton Renters Guide - 22 Feb., 2013

a new year, a new place?

Here we are, already well into the second month of 2013. Perhaps some of your New Year’s resolutions may have already

been forgotten, but if finding a new place is still top-of-mind, we hope you’ll find this magazine helpful.

This issue offers a special focus on where to go to get tips on renting as well as resources to source - all from the experts at Canada Mortgage and Housing Corporation.

As you go about your search and visit potential locations, be sure to get a feel for each company and the staff. You should be comfortable and courteous asking questions and in turn you should expect to be treated with consideration and respect. Think twice about any property management company that doesn’t willingly provide any information you respectfully request.

Putting the customer first and offering the best quality rental space for your money is a property management company’s ultimate goal. Once you find the perfect space, don’t hesitate in going for it and making it your own. Hopefully it is one of the easier resolutions you may have on your list this year.

Let us know how your search for a new home goes. We’d love to hear from you.

Susan LeggeEDITOR-IN-CHIEF, homeTRADER [email protected]

Follow me on Twitter atTwitter.com/SusanLegge

don’t be taken by surprise when you move into your new apartment! Do your research first and make sure your needs are being met at your new home.

There are plenty of little things you should check out before you sign your lease. Don’t just assume that parking or utilities are included – ask. Don’t just guess that there’s a bus somewhere close by – check. And don’t just assume that you’ve lucked into a great property management company – do your homework. Find out if they’ve got any awards or certifications too.

Other unfortunate surprises include furniture that won’t fit. While an apartment may seem spacious, you should take actual measurements to ensure. Often the configuration of a space can pose a challenge to placing furniture because of windows, doors, the room shape or the location of the cable outlet. You don’t want to find out on moving day that your couch can’t come with you or that you need to downsize from a king mattress to a double.

If you’re not familiar with the neighbourhood, take a walk or a drive. See what’s in the community and where the amenities that you really need are located. Not good to be more than a short walk to the bus if you rely on public transit, and you might want to see where your child’s school is, how far the park is or how close the grocery is, so that there are no surprises!

With Renters Guide in hand you’ll find that perfect place. Our magazine and website, homeTRADER.ca, offer the best selection of available apartments as well as informative articles and advice, making it easy to make your move!

Elisa KrovblitEDITOR [email protected]

Follow me on Twitter at Twitter.com/ElisaKrovblit

Like us on Facebook facebook.com/TheRentersGuide

EDITORS’ NOTES

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

MER

IDIA

N ST

REET

(0 S

t.)

178

St.

LessardRoad

CameronHeightsDrive

170

St.

Grandin Rd.

Sturge

on

Road

Hebert

Rd.

Giroux Rd.

McKenney Ave.

St. Vital Ave.

Sir W

insto

nCh

urch

ill Av

e.

Boudreau Rd.

Levasseur Rd.

2

ST. ALBERT

Check out www.hometrader.caFor your online listings

We’ve got your bases covered!

Gibbons

28A

Calmar

For More Information on Advertising Please Call

780-668-3570

Page 6: Edmonton Renters Guide - 22 Feb., 2013

North Central

River Valley Rd.

LOW LEVELBRIDGE

JAMES McDONALDBRIDGE

HIGH LEVELBRIDGE 105 ST

BRIDGE

DAWSON BRIDGE

124

St. 111 Ave.

107 Ave.

104 Ave.102 Ave.

Jasper Ave.

100 Ave.

116

St.

109

St.

105

St.

101

St.

VictoriaPark Rd.

97 Ave.

100

St.

97 St.

95 St.

82 S

t.

Kingsway Ave.

Rowlan

d Rd.

North SaskatchewanRiver

Princess

Elizabeth Ave.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered! T O A D V E R T I S E I N

1O1. PROVEN TRACK RECORD – 28 years’ experience in publishing magazines for the rental community

2. CIRCULATION – hundreds of high-traffi c locations including Safeway, Macs, banks & other easily accessible distribution points throughout the city

3. AD DESIGN – included in your contract is the option to work with the creative team at Renters Guide

4. EDITORIAL • Timely and topical industry-related editorials and articles• In-house writers and celebrity contributors that speak to the rental

market and current lifestyle trends

5. CALL TRACKING – we use a third party, independent call tracking company to provide timely and relevant metrics

6. THE LOOK – Renters Guide has a sophisticated design created to attract readers

7. VOLUME – the largest and most comprehensive grouping of rental properties in the greater Edmonton area

8. PHOTOGRAPHY – included in your contract is the option for exterior site photography 9. SEGMENTATION – magazines are divided and are specifi c to each neighborhoods for ease of use by potential renters.

10. homeTRADER.ca – comprehensive listings of rental properties in the greater Edmonton area with a growing number of the most unique monthly visitors.

1OTOP REASONS

For Advertising information call Carolyn @ 780-668-3570

Page 7: Edmonton Renters Guide - 22 Feb., 2013

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

North Central

River Valley Rd.

LOW LEVELBRIDGE

JAMES McDONALDBRIDGE

HIGH LEVELBRIDGE 105 ST

BRIDGE

DAWSON BRIDGE

124

St. 111 Ave.

107 Ave.

104 Ave.102 Ave.

Jasper Ave.

100 Ave.

116

St.

109

St.

105

St.

101

St.

VictoriaPark Rd.

97 Ave.

100

St.

97 St.

95 St.

82 S

t.

Kingsway Ave.

Rowlan

d Rd.

North SaskatchewanRiver

Princess

Elizabeth Ave.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered! T O A D V E R T I S E I N

1O1. PROVEN TRACK RECORD – 28 years’ experience in publishing magazines for the rental community

2. CIRCULATION – hundreds of high-traffi c locations including Safeway, Macs, banks & other easily accessible distribution points throughout the city

3. AD DESIGN – included in your contract is the option to work with the creative team at Renters Guide

4. EDITORIAL • Timely and topical industry-related editorials and articles• In-house writers and celebrity contributors that speak to the rental

market and current lifestyle trends

5. CALL TRACKING – we use a third party, independent call tracking company to provide timely and relevant metrics

6. THE LOOK – Renters Guide has a sophisticated design created to attract readers

7. VOLUME – the largest and most comprehensive grouping of rental properties in the greater Edmonton area

8. PHOTOGRAPHY – included in your contract is the option for exterior site photography 9. SEGMENTATION – magazines are divided and are specifi c to each neighborhoods for ease of use by potential renters.

10. homeTRADER.ca – comprehensive listings of rental properties in the greater Edmonton area with a growing number of the most unique monthly visitors.

1OTOP REASONS

For Advertising information call Carolyn @ 780-668-3570

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

Edmonton’s High Rise Living At Its Best

9740 - 106 ST. Phone 448-0322www.ParkPlaza-Apartments.com 45

43909_29/04

• Adult Building

• Bright luxurious bachelor, 1 & 1 bdrm Two level & 2 bdrm suites

• Sizes ranging from 729-1386 sq. ft.

• On site fitness club including: exercise room, jacuzzi & two squash courts

• Free cable

• Security system in each suite

• All window coverings

• 6 appliances includes washer & dryer

• Each unit air conditioned

• Breathtaking views

• On-site corner store & Bistro

• On-site office & staff for maintenance-free living

Page 8: Edmonton Renters Guide - 22 Feb., 2013

n NORTH CENTRAL n

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

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

10333 - 121 Street North Central Call 587-400-5111

lamplighter apts.

Professionally Managed By: Globe General Agencies Ltd.

oliver

ww

w.g

lobegenera

l.ca

heat & water included

Large 1 & 2 bedroom suites

spectacular city views

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

Ph. (780) 423-1302 or (780) 991-5777 10515 - 99 Avenue

4543

893_

29/0

4

FIND YOUR HAPPY PLACE

Rents staRt at $595 include heat, wateR

10125-108 st.

• 2 appliances, coin operated laundry available

• close to all the downtown amenities & nightlife Quaint

• charming building with original features

www.ayreoxford.com

11267544_29/04

Rochester Apts

780-918-1352 Please contact the site manager Fadil @

See it Here!

A d v e r t i s e y o u r P r o p e r t y f o r R e n t

See

It H

ere_

24/2

4

Page 9: Edmonton Renters Guide - 22 Feb., 2013

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

10333 - 121 Street North Central Call 587-400-5111

lamplighter apts.

Professionally Managed By: Globe General Agencies Ltd.

oliver

ww

w.g

lobegenera

l.ca

heat & water included

Large 1 & 2 bedroom suites

spectacular city views

FIND YOUR HAPPY PLACE

Page 10: Edmonton Renters Guide - 22 Feb., 2013

n NORTH CENTRAL n

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

F I N D

Y O U R

H A P P Y

P L A C E

In the heart of Edmonton’s downtown core.

all the right angles onE and two bedroom suites... two bedrooms with two baths.

Professionally owned & Managed Byo n - s i t e m a n a g e m e n t o f f i c e h o u r s :Mon, wed 8:00-7:00p.m. I tues, thurs & Fri 8:00-5:00 p.m. I Sat 10:00-6:00p.m.

• 6 Appliances

• Window coverings

• Cozy fireplace

• 24 hour exercise room

• Heat & water included

• Underground heated

parking available

• Easy access to all

amenities

Luxurious adult living.

a fresh perspective on downtown living

Suite 105, 10404-104 Ave 587-400-5195

4544100_2904

Glendale Court

• Renovated 1&2 bedRoom suites• 2 appliances (fridge & stove)

• Quiet, well maintained building

• Covered & open free parking

• Large balconies

• Family complex

• Close to all amenities, schools & parks

Management Corp

Families Welcome

9208 - 106 Ave 780-497-7964

4543

657_

29/0

4

1 BEDROOM

10340-117 Street

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

780-482-5036

www.ayreoxford.com

9334

302_

29/04

Shaughnessy Manor

Page 11: Edmonton Renters Guide - 22 Feb., 2013

In the heart of Edmonton’s downtown core.

all the right angles onE and two bedroom suites... two bedrooms with two baths.

Professionally owned & Managed Byo n - s i t e m a n a g e m e n t o f f i c e h o u r s :Mon, wed 8:00-7:00p.m. I tues, thurs & Fri 8:00-5:00 p.m. I Sat 10:00-6:00p.m.

• 6 Appliances

• Window coverings

• Cozy fireplace

• 24 hour exercise room

• Heat & water included

• Underground heated

parking available

• Easy access to all

amenities

Luxurious adult living.

a fresh perspective on downtown living

Suite 105, 10404-104 Ave 587-400-5195

4544100_2904

Page 12: Edmonton Renters Guide - 22 Feb., 2013

For Your Private Appointment Please CallClose to All Amenities, We hAve it All!

Bachelor, 1 and 2 Bedrooms

Bright, Spacious Studio, 1 and 2 Bdrms

11005 - 98 Avenue • 780-482-3717

10155 - 116 street • 780-488-6060York house

hi-level PlACe

the AlBAnY

Bright, Spacious Studio, 1 and 2 bdrms

10030-114 street

780-488-5151

• Modern suites

• Hardwood floors

• Quiet, secure building

• Excellent downtown

location

• Covered & open parking

• Sauna, exercise room

• Heat, power and water

included in rent

• Adult building

• No pets allowed

• Under new management

74543536_29/04

DoWntoWn loCAtions – You’ll Be imPresseD...

1

4

2

For Your Private Appointment Please CallClose to All Amenities, We hAve it All!

Bright, Spacious Bachelor, 1 and 2 Bdrms

1 and 2 bedrooms

Bachelor, 1 and 2 Bedrooms

Bright, Spacious Studio, 1 and 2 Bdrms

10025 - 115 street • 780-488-5151

10513 - 124 street

11005 - 98 Avenue • 780-482-3717

10155 - 116 street • 780-488-6060

hi-level PlACe

the AlBAnY

lAnCAster house

glouCester house

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

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

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

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

• Modern suites

• Hardwood floors

• Quiet, secure building

• Excellent downtown

location

• Covered & open parking

• Sauna, exercise room

• Heat, power and water

included in rent

• Adult building

• No pets allowed

• Under new management

74543536_29/04

DoWntoWn loCAtions – You’ll Be imPresseD...

5

3

4

2

Page 13: Edmonton Renters Guide - 22 Feb., 2013

For Your Private Appointment Please CallClose to All Amenities, We hAve it All!

Bachelor, 1 and 2 Bedrooms

Bright, Spacious Studio, 1 and 2 Bdrms

11005 - 98 Avenue • 780-482-3717

10155 - 116 street • 780-488-6060York house

hi-level PlACe

the AlBAnY

Bright, Spacious Studio, 1 and 2 bdrms

10030-114 street

780-488-5151

• Modern suites

• Hardwood floors

• Quiet, secure building

• Excellent downtown

location

• Covered & open parking

• Sauna, exercise room

• Heat, power and water

included in rent

• Adult building

• No pets allowed

• Under new management

74543536_29/04

DoWntoWn loCAtions – You’ll Be imPresseD...

1

4

2

For Your Private Appointment Please CallClose to All Amenities, We hAve it All!

Bright, Spacious Bachelor, 1 and 2 Bdrms

1 and 2 bedrooms

Bachelor, 1 and 2 Bedrooms

Bright, Spacious Studio, 1 and 2 Bdrms

10025 - 115 street • 780-488-5151

10513 - 124 street

11005 - 98 Avenue • 780-482-3717

10155 - 116 street • 780-488-6060

hi-level PlACe

the AlBAnY

lAnCAster house

glouCester house

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

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

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

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

• Modern suites

• Hardwood floors

• Quiet, secure building

• Excellent downtown

location

• Covered & open parking

• Sauna, exercise room

• Heat, power and water

included in rent

• Adult building

• No pets allowed

• Under new management

74543536_29/04

DoWntoWn loCAtions – You’ll Be imPresseD...

5

3

4

2

Page 14: Edmonton Renters Guide - 22 Feb., 2013

Affordable & safe quality living in downtown Edmonton!

YMCA of Edmonton

MELCOR YMCA VILLAGE

Featuring 150 bachelor, one- and two-bedroom

suites, including some barrier-free units, the Melcor YMCA Village at 10350 95 Street is the

perfect place to call home.

The village offers a variety of other

conveniences including:

• All suites come with a

stove, fridge, microwave

and window coverings.

• Access to child care services

and located near the bus, LRT and

downtown core.• Indoor & outdoor play

areas, card-operated laundry, bicycle lockups

and more!

For current suite rental rates or other information,

please cal 780 426-YMCA (9622) or visit our website at

edmonton.ymca.ca

Apply today!

Rely on good judgement when it comes to safety

in your home!

For more information contact Edmonton Police CrimePrevention Unit 780-421-3475

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

Page 15: Edmonton Renters Guide - 22 Feb., 2013

Affordable & safe quality living in downtown Edmonton!

YMCA of Edmonton

MELCOR YMCA VILLAGE

Featuring 150 bachelor, one- and two-bedroom

suites, including some barrier-free units, the Melcor YMCA Village at 10350 95 Street is the

perfect place to call home.

The village offers a variety of other

conveniences including:

• All suites come with a

stove, fridge, microwave

and window coverings.

• Access to child care services

and located near the bus, LRT and

downtown core.• Indoor & outdoor play

areas, card-operated laundry, bicycle lockups

and more!

For current suite rental rates or other information,

please cal 780 426-YMCA (9622) or visit our website at

edmonton.ymca.ca

Apply today!

Rely on good judgement when it comes to safety

in your home!

For more information contact Edmonton Police CrimePrevention Unit 780-421-3475

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

Page 16: Edmonton Renters Guide - 22 Feb., 2013

n NORTH CENTRAL n

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

780.800.5062 10020 103 Ave

FEATURES FEATURES

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

4544670_29/04

WALK TO WORK

• Bachelor, Studios, 1,and 2 Bedrooms

• All Utilities Included

• 3 blocks to Grant Macewan

• Walking distance to all amenities

• Air Conditioning

• Ample Parking

• Close to University of Alberta downtown campus, Farmer’s Market, LRT, City Centre Mall, Restaurants, Art Gallery of Alberta

• No pets

1 BEDROOMs

10235-113 Street

• Heat, water & parking included

• On major bus route

• Close to all amenities

780-918-1352

www.ayreoxford.com

4757

679_

29/0

4

Sussex Apts1 & 2 BEDROOMS

10320-122 Street

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

780-918-1352

www.ayreoxford.com

5160

151_

29/0

4

Twin Rose Manor

Page 17: Edmonton Renters Guide - 22 Feb., 2013

780.800.5062 10020 103 Ave

FEATURES FEATURES

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

4544670_29/04

WALK TO WORK

• Bachelor, Studios, 1,and 2 Bedrooms

• All Utilities Included

• 3 blocks to Grant Macewan

• Walking distance to all amenities

• Air Conditioning

• Ample Parking

• Close to University of Alberta downtown campus, Farmer’s Market, LRT, City Centre Mall, Restaurants, Art Gallery of Alberta

• No pets

Page 18: Edmonton Renters Guide - 22 Feb., 2013

n NORTH CENTRAL n

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

1 & 2 Bedrooms

The Mayflower• Free power, water, heat • Digital security access system • Swimming pool • Resident social room • Heated underground parking • Balconies • Hardwood floors • Concrete building• Professionally

landscaped• Beautiful large suites• Stunning granite lobby• Sorry No Pets• Adult

www.GreatApartments.ca

At Home in a Great Community

Prestigious River View Building

Overlooking the River Valley & Victoria Golf Course

4848

163_

2904

APARTMENTS11808-100 Avenue

Victoria Park Rd.

Jasper Ave.

100 Ave. 118

St.

116

St.

N

780-800-8966

1 BEDROOMs

11530-124 Street

• Quiet, clean

• Close to Kingsway Mall, NAIT & Downtown

• Excellent transit

• On-site manager

www.ayreoxford.com

4758123_29/04

Parklane Gardens

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

find: spacious

find your happy place.

F I N D Y O U R H A P P Y P L A C E

Page 19: Edmonton Renters Guide - 22 Feb., 2013

1 & 2 Bedrooms

The Mayflower• Free power, water, heat • Digital security access system • Swimming pool • Resident social room • Heated underground parking • Balconies • Hardwood floors • Concrete building• Professionally

landscaped• Beautiful large suites• Stunning granite lobby• Sorry No Pets• Adult

www.GreatApartments.ca

At Home in a Great Community

Prestigious River View Building

Overlooking the River Valley & Victoria Golf Course

4848

163_

2904

APARTMENTS11808-100 Avenue

Victoria Park Rd.

Jasper Ave.

100 Ave. 118

St.

116

St.

N

780-800-8966

F I N D Y O U R H A P P Y P L A C E

n NORTH CENTRAL n

Page 20: Edmonton Renters Guide - 22 Feb., 2013

SOUTH Central

LOW LEVELBRIDGE

JAMES McDONALDBRIDGE

GROATBRIDGE

109 STBRIDGE 105 ST

BRIDGE

DAWSON BRIDGE

CAPILANOBRIDGE

106 Ave.

85 S

t.

101 Ave.

90 Ave.

95 Ave.

98 Ave.

87 Ave.

79 S

t.

92 S

t.

99 S

t.

103

St.

104

St.

114

St.

Connors Rd.

Scon

a Rd

.

Saskatchewan Dr.

Whyte - 82 Ave.

Uni

vers

ity A

ve.

North SaskatchewanRiver

75 S

t.

84 S

t.

83 S

t.

Saskatche

wan Rd.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

Whether you are a first-time renter or a long-time tenant,

there are many important decisions to make when evaluating potential rental accommodations. To help make these decisions easier, Canada Mortgage and Housing Corporation (CMHC) offers a number of resources, including worksheets and helpful hints, to help you make responsible and informed rental decisions.

Starting with tips for getting started and identifying rental needs, to evaluating rental options and meeting a landlord, to signing rental agreements and paying rental deposits, CMHC’s resources support renters throughout all stages of the rental process.

CMHC also offers resources designed specifically for recent immigrants to Canada in eight different languages. Renting in Canada: What Newcomers Need to Know includes a variety of relevant and appropriate tools, products and resources to make finding safe and affordable housing easier.

Taking the time to plan and determine what you need and how much you can afford will make the overall rental experience less stressful and the outcome more satisfying. In the planning stage, it is important to identify things like the number of bedrooms and location requirements, establish a budget and evaluate an apartment’s affordability.

CMHC

Renting a Home? CMHC Offers a Range of Tips and Resources

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

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

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

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

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

Page 21: Edmonton Renters Guide - 22 Feb., 2013

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

SOUTH Central

LOW LEVELBRIDGE

JAMES McDONALDBRIDGE

GROATBRIDGE

109 STBRIDGE 105 ST

BRIDGE

DAWSON BRIDGE

CAPILANOBRIDGE

106 Ave.

85 S

t.

101 Ave.

90 Ave.

95 Ave.

98 Ave.

87 Ave.

79 S

t.

92 S

t.

99 S

t.

103

St.

104

St.

114

St.

Connors Rd.

Scon

a Rd

.

Saskatchewan Dr.

Whyte - 82 Ave.

Uni

vers

ity A

ve.

North SaskatchewanRiver

75 S

t.

84 S

t.

83 S

t.

Saskatche

wan Rd.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

4543

806_

2904

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

Unique & Spacious1 & 2 Bedrooms

Adult & Family Buildings Available

www.strathearnheights.com

“A Home With Heart in the Heart

of Edmonton”

780-469-30808768 - 96 Avenue

Whether you are a first-time renter or a long-time tenant,

there are many important decisions to make when evaluating potential rental accommodations. To help make these decisions easier, Canada Mortgage and Housing Corporation (CMHC) offers a number of resources, including worksheets and helpful hints, to help you make responsible and informed rental decisions.

Starting with tips for getting started and identifying rental needs, to evaluating rental options and meeting a landlord, to signing rental agreements and paying rental deposits, CMHC’s resources support renters throughout all stages of the rental process.

CMHC also offers resources designed specifically for recent immigrants to Canada in eight different languages. Renting in Canada: What Newcomers Need to Know includes a variety of relevant and appropriate tools, products and resources to make finding safe and affordable housing easier.

Taking the time to plan and determine what you need and how much you can afford will make the overall rental experience less stressful and the outcome more satisfying. In the planning stage, it is important to identify things like the number of bedrooms and location requirements, establish a budget and evaluate an apartment’s affordability.

CMHC

Renting a Home? CMHC Offers a Range of Tips and Resources

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

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

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

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

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

Page 22: Edmonton Renters Guide - 22 Feb., 2013

n SOUTH CENTRAL n

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

NorthEAST

CAPILANOBRIDGE

118 Ave.

95 S

t.

82 S

t.97 S

t.

66

St.

50

St.

58 S

t.

34 S

t.

167 Ave.

195 Ave.

137 Ave.

132 Ave.

120 Ave. 122 Ave.

121 Ave.

38 S

t.

34 S

t.

151 Ave.

Hook Rd. 127 Ave.

153 Ave.

144 Ave.

112 Ave.

Ada. Blvd.

104 Ave.

20

St

129 Ave.

Hermitage Rd. YELLOWHEAD TRAIL

87 S

t.

MAN

NIN

G F

WY.

Fort R

d.

North SaskatchewanRiver

Fort R

d.

144 Ave.

137 Ave.

Vic

toria

Tr.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

F I N D Y O U R H A P P Y P L A C E

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

Lampliter Apartments

Contact 780-982-6073 for appointment viewing

10721

– 85 A

ve.

1125

1527

_290

4

the pool!

find your happy place.

New issue every second Friday

Find your apartment at

Covering all your bases

Find Your Apartment_24/25

Page 23: Edmonton Renters Guide - 22 Feb., 2013

1 & 2 Bedroom Suites

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

Condo-like suites in desirable Terra Losa •

neighbourhood

Open concept kitchens, � replaces and •

in-suite laundry

Underground heated parking•

Large balconies and patios•

Heat & Water included•

realstar.ca

TennysonApartments

Cat Friendly

2 Bedroom Luxury Suites

Bach, 1 & 2 Bedroom Suites

Air conditioning•

In-suite laundry•

Fitness facility•

Fireplace•

Next to LRT•

Underground parking•

Heat and water included•

Central downtown location•

1 block to LRT•

Bright, spacious suites•

Heated enclosed parking•

Air conditioned suites, spectacular views•

Exercise room & swimming pool•

Overlooking the River Valley•

realstar.ca

realstar.ca

10001 BELLAMY HILL. 780-423-3540

Cat Friendly

Cat Friendly

Park Square

MacdonaldEstates

Apartments

Apartments

9925 JASPER AVE. 780-990-0339

Page 24: Edmonton Renters Guide - 22 Feb., 2013

1 & 2 Bedroom Suites

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

Condo-like suites in desirable Terra Losa •

neighbourhood

Open concept kitchens, � replaces and •

in-suite laundry

Underground heated parking•

Large balconies and patios•

Heat & Water included•

realstar.ca

TennysonApartments

Cat Friendly

2 Bedroom Luxury Suites

Bach, 1 & 2 Bedroom Suites

Air conditioning•

In-suite laundry•

Fitness facility•

Fireplace•

Next to LRT•

Underground parking•

Heat and water included•

Central downtown location•

1 block to LRT•

Bright, spacious suites•

Heated enclosed parking•

Air conditioned suites, spectacular views•

Exercise room & swimming pool•

Overlooking the River Valley•

realstar.ca

realstar.ca

10001 BELLAMY HILL. 780-423-3540

Cat Friendly

Cat Friendly

Park Square

MacdonaldEstates

Apartments

Apartments

9925 JASPER AVE. 780-990-0339

Page 25: Edmonton Renters Guide - 22 Feb., 2013

Bachelor, 1 & 2 Bedroom Suites

1 & 2 Bedroom Suites

Large suites•

Heat & water included•

Close to West Edmonton Mall•

Park like setting •

Close to schools, parks and public transit•

Spacious suites, heat & water included•

Close to shopping, schools, parks & •

public transit

Convenient access to Calgary Trail & •

Whitemud Drive

On site management•

Short drive to South Edmonton Commons•

Walking distance to Century Park •

LRT Station

realstar.ca

realstar.ca

9535 - 165 STREET 780-484-0760

Cat Friendly

Cat Friendly

11615 - 28TH AVE. 780-756-7411

ApartmentsBlue Quill

WestlawnVillageCourt

under new ownership & management

Apartments

realstar.ca

Wellington

466 & 470 MACEWAN ROAD, 780-430-7879

Suite Features

• Open concept kitchens with breakfast-bar style counters

• Fridge, stove, dishwasher and microwave

• In-suite laundry

• 9’ ceilings

• Walkthrough closets in 2 bedroom suites

• Large balconies

PROPERTY HIGHLIGHTS:

The Suites

• One, one plus den and two bedroom suites

• 6 appliances

• Laminate fl ooring

• Large balconies

The Amenities

• Exercise room

• Underground parking

• Storage lockers

• Elevators

• Secure building

• On-site management

Page 26: Edmonton Renters Guide - 22 Feb., 2013

Bachelor, 1 & 2 Bedroom Suites

1 & 2 Bedroom Suites

Large suites•

Heat & water included•

Close to West Edmonton Mall•

Park like setting •

Close to schools, parks and public transit•

Spacious suites, heat & water included•

Close to shopping, schools, parks & •

public transit

Convenient access to Calgary Trail & •

Whitemud Drive

On site management•

Short drive to South Edmonton Commons•

Walking distance to Century Park •

LRT Station

realstar.ca

realstar.ca

9535 - 165 STREET 780-484-0760

Cat Friendly

Cat Friendly

11615 - 28TH AVE. 780-756-7411

ApartmentsBlue Quill

WestlawnVillageCourt

under new ownership & management

Apartments

realstar.ca

Wellington

466 & 470 MACEWAN ROAD, 780-430-7879

Suite Features

• Open concept kitchens with breakfast-bar style counters

• Fridge, stove, dishwasher and microwave

• In-suite laundry

• 9’ ceilings

• Walkthrough closets in 2 bedroom suites

• Large balconies

PROPERTY HIGHLIGHTS:

The Suites

• One, one plus den and two bedroom suites

• 6 appliances

• Laminate fl ooring

• Large balconies

The Amenities

• Exercise room

• Underground parking

• Storage lockers

• Elevators

• Secure building

• On-site management

Page 27: Edmonton Renters Guide - 22 Feb., 2013

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

NorthEAST

CAPILANOBRIDGE

118 Ave.

95 S

t.

82 S

t.97 S

t.

66

St.

50

St.

58 S

t.

34 S

t.

167 Ave.

195 Ave.

137 Ave.

132 Ave.

120 Ave. 122 Ave.

121 Ave.

38 S

t.

34 S

t.

151 Ave.

Hook Rd. 127 Ave.

153 Ave.

144 Ave.

112 Ave.

Ada. Blvd.

104 Ave.

20

St

129 Ave.

Hermitage Rd. YELLOWHEAD TRAIL

87 S

t.

MAN

NIN

G F

WY.

Fort R

d.

North SaskatchewanRiver

Fort R

d. 144 Ave.

137 Ave. V

icto

ria T

r.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

F I N D Y O U R H A P P Y P L A C E

I FOUND MY PLACE AT

Page 28: Edmonton Renters Guide - 22 Feb., 2013

F I N D Y O U R H A P P Y P L A C E

quicktips

1 Throw a send-off party Embrace and celebrate this life’s passage. Plan a fabulous party for your child

and invite your family and friends. Go with a theme that symbolizes freedom and responsibilities and send your child off with practical gifts like a basic cook-book, a box of laundry detergent, grocery store gift cards and tableware.

2 Cultivate an adult relationship Establish a weekly check-in routine with each other. Stay in touch by email,

phone or Skype. Let them know you are there for them to calm their insecuri-ties about life away from home. Use your experience to create special bonding moments with your child long after they leave.

3 Fill the void and rediscover your passions Parents often give up some interests to be available to their children. Now is

the time to throw yourself into those hobbies and activities again. Join a book club, learn a new language, volunteer, or sponsor a child through a non-profit organization like Christian Children’s Fund of Canada (www.ccfcanada.ca). In fact there are many organizations where you can help bring hope and lasting change to children who need it most.

4 Take care of yourself…and a pet Adopt an exercise routine to stay physically healthy. Poor physical health can

aggravate feelings of sadness caused by empty nest syndrome. As for pets, if you don’t have one, consider adopting one. Not only are they loyal and loving, they also relieve loneliness, provide good companionship, and increase social exposure for their owners.

5 Connect with your spouse In all the craziness of raising children, parents sometimes lose track of their

most important relationship and support person – their spouse. Quiet evenings, long walks, impromptu trips and romantic dinners out are all possible now that the kids aren’t around! NC

Five sure cures

for the empty-nest

the resonating silence of a home or a leisurely drive past a

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

Page 29: Edmonton Renters Guide - 22 Feb., 2013

n NORTH EAST n

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

Fully Renovated 1 BedRooMS

13215-66 St.

• Includes heat, water & parking

• Window coverings, laminate and tile flooring• Close to londonderry

Mall & all amenities • extra storage • on-site Manager • Clean, quiet secure building • Fire safety approved • on call maintenance • no pets

780-475-5717

www.ayreoxford.com

All common

AreAS Are fully upgrAded

4757

981_

29/04

Belvedere Apts.

F I N D Y O U R H A P P Y P L A C E

Empty SuitE?

780-668-3570

Home RenteRs Guide can Help you Rent youR pRopeRty fast!

call tHe office today foR adveRtisinG details.

quicktips

1 Throw a send-off party Embrace and celebrate this life’s passage. Plan a fabulous party for your child

and invite your family and friends. Go with a theme that symbolizes freedom and responsibilities and send your child off with practical gifts like a basic cook-book, a box of laundry detergent, grocery store gift cards and tableware.

2 Cultivate an adult relationship Establish a weekly check-in routine with each other. Stay in touch by email,

phone or Skype. Let them know you are there for them to calm their insecuri-ties about life away from home. Use your experience to create special bonding moments with your child long after they leave.

3 Fill the void and rediscover your passions Parents often give up some interests to be available to their children. Now is

the time to throw yourself into those hobbies and activities again. Join a book club, learn a new language, volunteer, or sponsor a child through a non-profit organization like Christian Children’s Fund of Canada (www.ccfcanada.ca). In fact there are many organizations where you can help bring hope and lasting change to children who need it most.

4 Take care of yourself…and a pet Adopt an exercise routine to stay physically healthy. Poor physical health can

aggravate feelings of sadness caused by empty nest syndrome. As for pets, if you don’t have one, consider adopting one. Not only are they loyal and loving, they also relieve loneliness, provide good companionship, and increase social exposure for their owners.

5 Connect with your spouse In all the craziness of raising children, parents sometimes lose track of their

most important relationship and support person – their spouse. Quiet evenings, long walks, impromptu trips and romantic dinners out are all possible now that the kids aren’t around! NC

Five sure cures

for the empty-nest

the resonating silence of a home or a leisurely drive past a

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

Page 30: Edmonton Renters Guide - 22 Feb., 2013

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

FORT SASKATCHEWAN

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

PROPERTY INFORMATION

780-998-3880

Westland Park• 2 & 3 bedroom units • 1 1/2 baths • Professional on site management • Lawn & patios in fenced yards • Full basements • Sorry, no pets

This is a great well maintained family community. Only 10 minutes drive on the Manning Freeway. Now open evenings & Saturday.

www.GreatApartments.ca

At Home in a Great Community

Ask About our

remodeled units

Spacious and updated unitsFabulous Rent, Well Maintained... Move on up to Fort Saskatchewan

5592194_29/04

8910 - 98 AvenueFort Saskatchewan

To Sherwood Park

Manning Freeway

89 S

t

99 Ave98 Ave

97 Ave96 Ave

89A

St

89B

St

90 St

97 Ave

91 S

t

98 Ave

Edmonton

Westland ParkOffice

21

15

75 Woodsmere Close FT. Saskatchewan

www.westwoodterrace.ca

7 appliances • Heat, water & parking included •

Some with underground heated parking •Close to all amenities •

Brand New Condo Style AptsAdult Building

Call Paul at Showsuite 780-992-0243or Sheila at 780-221-3419

ANOTHER LANDMARK GROUP PROJECT

1124

5476

_29/02

Westwood Terrace

11 floor PlANS to ChooSe from

Page 31: Edmonton Renters Guide - 22 Feb., 2013

FORT SASKATCHEWAN

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

PROPERTY INFORMATION

780-998-3880

Westland Park• 2 & 3 bedroom units • 1 1/2 baths • Professional on site management • Lawn & patios in fenced yards • Full basements • Sorry, no pets

This is a great well maintained family community. Only 10 minutes drive on the Manning Freeway. Now open evenings & Saturday.

www.GreatApartments.ca

At Home in a Great Community

Ask About our

remodeled units

Spacious and updated unitsFabulous Rent, Well Maintained... Move on up to Fort Saskatchewan

5592194_29/04

8910 - 98 AvenueFort Saskatchewan

To Sherwood Park

Manning Freeway

89 S

t

99 Ave98 Ave

97 Ave96 Ave

89A

St

89B

St

90 St

97 Ave

91 S

t

98 Ave

Edmonton

Westland ParkOffice

21

15

n fORT SASkATCHEwAN n

Page 32: Edmonton Renters Guide - 22 Feb., 2013

From Boomers to millennials: How an era can shape financial planning habits

tD Canada trust and psychology professor Dr. J Bruce morton explore generational attitudes towards savings, offer advice to all ages

quicktips

spenDers anD savers oF all ages Can point to specific social and economic factors that shape their generation’s views on financial planning and saving for retirement. Each generation, from Boomers to Gen X to Millennials, have specific attitudes towards money and saving influenced by when they grew up and the realities of their lifestage.

John Tracy, senior vice president, TD Canada Trust, and Dr. J Bruce Morton, Department of Psychology, Western University Canada, take a look at the influences on Millennials, Gen Xers and Boomers’ approach to saving for the future in order to give Canadians the insight they need to make smart financial decisions at any age.

“Understanding what motivates your generation to save can help identify useful financial planning strategies for each stage of your life,” says John Tracy, senior vice president, TD Canada Trust. “Regardless of your life stage,

knowing how much you will need to retire is essential to managing your money and being prepared financially for the future. A financial advisor can help determine what your numbers look like, work with you to create a plan, and make adjustments as your needs and lifestyle change.”

According to Dr. Morton, saving for the future touches on a fundamental trade-off in human decision making, namely balancing the opportunity for small immediate rewards with an interest in larger long-term benefits. How each of us balances this trade-off depends in part on values, priorities and motivations, which to a large extent are influenced by the world we grew up in. “While every person makes decisions based on what makes the most sense from their vantage point - specifically how to maximize gains and minimize losses - what seems reasonable to some individuals may not be reasonable to others,” says Dr. Morton. “This decision-making process is influenced by the generation to which we belong, and the corresponding cultural and economic factors that make the future appear differently to us.”

Millennials (1982-1999)Research from TD Canada Trust shows that 65% of Millennials continually feel they are spending too much

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

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

For Millennials who feel it will be difficult to save money, Tracy recommends setting up an automated savings plan that invests a set amount at regular intervals into an RSP. Contribution amounts can start small and increase as income grows.

“While retirement may feel far away for Millennials, it’s important to acknowledge that it’s inevitable,” says Tracy. “With time on your side, saving even a little regularly can add up, while allowing you to take advantage of compound interest.”

Gen X (1965-1981)Of the generations surveyed, Gen X had the most competing financial priorities, with saving for retirement (55%), paying off their mortgage (44%), paying off loans (38%), paying down credit card debt (37%) and creating an emergency savings fund (37%) topping the list. With so many priorities, it’s not surprising that 70% continually feel they are not saving enough.

“Gen X individuals grew up during a period of unprecedented economic transformation marked by greater fluidity in the job market and the elimination of mandatory retirement. These larger economic forces have led to a shift away from traditional notions of career and retirement,” says Dr. Morton. “As a result, many Gen Xers anticipate working well into traditional retirement years, undermining the incentive to save for the long-term.”

Compared to other generations, Tracy adds, Gen Xers often have an abundance of competing financial priorities, making it challenging to carve out money for retirement savings. Even though Gen Xers may feel the need to postpone retirement, it’s important to contribute regularly during peak income earning years to build a comfortable nest-egg for retirement - whenever it may start.

“As a general rule, Gen Xers should aim to save enough to have 60% to 80% of their annual working income per year to live on during retirement if they don’t want to change their lifestyle,” advises Tracy. “If more needs to be saved, be diligent about finding ways to cut back on other expenses, as even a modest increase to retirement savings can add up.”

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

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

Tracy recommends Boomers first assess how much they will need in retirement to maintain the lifestyle they want. With this in mind, engage a financial advisor and work backward to develop a realistic plan that includes lowering or eliminating debt prior to retirement to free-up income during this stage in your life.

“As a Boomer, even if saving for the future is a top priority, it’s equally important to know how much you realistically need to save and whether you are on track to reach your goal,” says Tracy. “Compare your goal to the income you will have from your current savings to determine how much more you need to save.”

About the TD Canada Trust RSP PollTD Bank Group commissioned Environics Research Group (www.environics.ca) to conduct an online custom survey of 2,407 Canadians 25 years of age or older, including 201 Millennials, 543 Gen Xers and 443 Boomers. The total sample was weighted by age, gender and region to be proportionately representative of the Canadian population who are 25 years of age and older. Responses were collected between December 5 and 11, 2012.

About TD Canada Trust TD Canada Trust offers personal and business banking to more than 11.5 million customers. We provide a wide range of products and services from chequing and savings accounts, to credit cards, mortgages and business banking, to credit protection and travel medical insurance, as well as advice on managing everyday finances. TD Canada Trust makes banking comfortable with award-winning service and convenience through 24/7 mobile, internet, telephone and ATM banking, as well as in over 1,100 branches, with convenient hours to serve customers better. For more information, please visit: www.tdcanadatrust.com. TD Canada Trust is the Canadian retail bank of TD Bank Group, the sixth largest bank in North America.

SOURCE: TD Canada Trust

Page 33: Edmonton Renters Guide - 22 Feb., 2013

From Boomers to millennials: How an era can shape financial planning habits

tD Canada trust and psychology professor Dr. J Bruce morton explore generational attitudes towards savings, offer advice to all ages

quicktips

spenDers anD savers oF all ages Can point to specific social and economic factors that shape their generation’s views on financial planning and saving for retirement. Each generation, from Boomers to Gen X to Millennials, have specific attitudes towards money and saving influenced by when they grew up and the realities of their lifestage.

John Tracy, senior vice president, TD Canada Trust, and Dr. J Bruce Morton, Department of Psychology, Western University Canada, take a look at the influences on Millennials, Gen Xers and Boomers’ approach to saving for the future in order to give Canadians the insight they need to make smart financial decisions at any age.

“Understanding what motivates your generation to save can help identify useful financial planning strategies for each stage of your life,” says John Tracy, senior vice president, TD Canada Trust. “Regardless of your life stage,

knowing how much you will need to retire is essential to managing your money and being prepared financially for the future. A financial advisor can help determine what your numbers look like, work with you to create a plan, and make adjustments as your needs and lifestyle change.”

According to Dr. Morton, saving for the future touches on a fundamental trade-off in human decision making, namely balancing the opportunity for small immediate rewards with an interest in larger long-term benefits. How each of us balances this trade-off depends in part on values, priorities and motivations, which to a large extent are influenced by the world we grew up in. “While every person makes decisions based on what makes the most sense from their vantage point - specifically how to maximize gains and minimize losses - what seems reasonable to some individuals may not be reasonable to others,” says Dr. Morton. “This decision-making process is influenced by the generation to which we belong, and the corresponding cultural and economic factors that make the future appear differently to us.”

Millennials (1982-1999)Research from TD Canada Trust shows that 65% of Millennials continually feel they are spending too much

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

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

For Millennials who feel it will be difficult to save money, Tracy recommends setting up an automated savings plan that invests a set amount at regular intervals into an RSP. Contribution amounts can start small and increase as income grows.

“While retirement may feel far away for Millennials, it’s important to acknowledge that it’s inevitable,” says Tracy. “With time on your side, saving even a little regularly can add up, while allowing you to take advantage of compound interest.”

Gen X (1965-1981)Of the generations surveyed, Gen X had the most competing financial priorities, with saving for retirement (55%), paying off their mortgage (44%), paying off loans (38%), paying down credit card debt (37%) and creating an emergency savings fund (37%) topping the list. With so many priorities, it’s not surprising that 70% continually feel they are not saving enough.

“Gen X individuals grew up during a period of unprecedented economic transformation marked by greater fluidity in the job market and the elimination of mandatory retirement. These larger economic forces have led to a shift away from traditional notions of career and retirement,” says Dr. Morton. “As a result, many Gen Xers anticipate working well into traditional retirement years, undermining the incentive to save for the long-term.”

Compared to other generations, Tracy adds, Gen Xers often have an abundance of competing financial priorities, making it challenging to carve out money for retirement savings. Even though Gen Xers may feel the need to postpone retirement, it’s important to contribute regularly during peak income earning years to build a comfortable nest-egg for retirement - whenever it may start.

“As a general rule, Gen Xers should aim to save enough to have 60% to 80% of their annual working income per year to live on during retirement if they don’t want to change their lifestyle,” advises Tracy. “If more needs to be saved, be diligent about finding ways to cut back on other expenses, as even a modest increase to retirement savings can add up.”

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

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

Tracy recommends Boomers first assess how much they will need in retirement to maintain the lifestyle they want. With this in mind, engage a financial advisor and work backward to develop a realistic plan that includes lowering or eliminating debt prior to retirement to free-up income during this stage in your life.

“As a Boomer, even if saving for the future is a top priority, it’s equally important to know how much you realistically need to save and whether you are on track to reach your goal,” says Tracy. “Compare your goal to the income you will have from your current savings to determine how much more you need to save.”

About the TD Canada Trust RSP PollTD Bank Group commissioned Environics Research Group (www.environics.ca) to conduct an online custom survey of 2,407 Canadians 25 years of age or older, including 201 Millennials, 543 Gen Xers and 443 Boomers. The total sample was weighted by age, gender and region to be proportionately representative of the Canadian population who are 25 years of age and older. Responses were collected between December 5 and 11, 2012.

About TD Canada Trust TD Canada Trust offers personal and business banking to more than 11.5 million customers. We provide a wide range of products and services from chequing and savings accounts, to credit cards, mortgages and business banking, to credit protection and travel medical insurance, as well as advice on managing everyday finances. TD Canada Trust makes banking comfortable with award-winning service and convenience through 24/7 mobile, internet, telephone and ATM banking, as well as in over 1,100 branches, with convenient hours to serve customers better. For more information, please visit: www.tdcanadatrust.com. TD Canada Trust is the Canadian retail bank of TD Bank Group, the sixth largest bank in North America.

SOURCE: TD Canada Trust

Page 34: Edmonton Renters Guide - 22 Feb., 2013

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

WEST

QUESNELLBRIDGE

GROATBRIDGE

111 Ave.

124

St.

North SaskatchewanRiver

107 Ave.

102 Ave.

100 Ave.

95 Ave.

87 Ave.

142

St.

149

St.

156

St.

163

St.

159

St.

170

St.

178

St.

182

St.

69 Ave.

Callingwood Rd.

Stony Plain Rd.

May

field

Rd.

WHITEMUD FWY.

Buena Vista Rd.175

St.

Stony Plain

AN

THO

NY

HEN

DAY

DR.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

the view!

find your happy place.

New issue every second Friday

NorthWEST

127 Ave.

132 Ave.

118 Ave.

111 Ave.

Stony Plain Rd.

137 Ave.

167 Ave.

153 Ave.

162 Ave.

124

St

142

St

149

St

156

St

170

St

178

St

184

St

199

St.

127

St.

121

St.

135

St..

97 S

t.

Kingsway Ave.

YELLOWHEAD TRAIL

ST. ALBERT TRAIL

May

field

Rd.

CITY BO

UNDARY

113A

St.

Cam

pbel

lRd

.

Castle DownsRd.

Princes

s

Elizab

eth Ave.

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Lakeland Village 178 Ave & 95 St.

u 3 BEDROOM TOWNHOUSESu 5 appliancesu Fireplaces in some units

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0723

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ere_

24/2

4

Page 35: Edmonton Renters Guide - 22 Feb., 2013

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

WEST

QUESNELLBRIDGE

GROATBRIDGE

111 Ave.

124

St.

North SaskatchewanRiver

107 Ave.

102 Ave.

100 Ave.

95 Ave.

87 Ave.

142

St.

149

St.

156

St.

163

St.

159

St.

170

St.

178

St.

182

St.

69 Ave.

Callingwood Rd.

Stony Plain Rd.

May

field

Rd.

WHITEMUD FWY.

Buena Vista Rd.175

St.

Stony Plain

AN

THO

NY

HEN

DAY

DR.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

NorthWEST

127 Ave.

132 Ave.

118 Ave.

111 Ave.

Stony Plain Rd.

137 Ave.

167 Ave.

153 Ave.

162 Ave.

124

St

142

St

149

St

156

St

170

St

178

St

184

St

199

St.

127

St.

121

St.

135

St..

97 S

t.

Kingsway Ave.

YELLOWHEAD TRAIL

ST. ALBERT TRAIL

May

field

Rd.

CITY BO

UNDARY

113A

St.

Cam

pbel

lRd

.

Castle DownsRd.

Princes

s

Elizab

eth Ave.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

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

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FOR THE APARTMENT HUNTER

Page 36: Edmonton Renters Guide - 22 Feb., 2013

n wEST n

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

1 BEDROOM SUITES

10040-154 Street

• Block east of G.M.C.C. Campus

• Friendly quiet complex

• New carpet, lino, cabinets & appliances

• Close to all amenities

780-487-6616

www.ayreoxford.com

8934036_29/04

Popular Pointe Cove

on-site maintenance

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

• Extra spacious suites • Studios, 1, 2, 2 bdrms + den• Smart Card laundry - never

look for change again• 3 appliances• Large balconies/patios

- all suites• Bus service outside your

front door• No pets please• Elevatored building

renoVated BUiLding QUiet, adULt Project

4843

714_

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4

780.487.9830

6205-178 st.

F I N D

Y O U R

H A P P Y

P L A C E

find: Rustic

find your happy place.

Page 37: Edmonton Renters Guide - 22 Feb., 2013

on-site maintenance

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

• Extra spacious suites • Studios, 1, 2, 2 bdrms + den• Smart Card laundry - never

look for change again• 3 appliances• Large balconies/patios

- all suites• Bus service outside your

front door• No pets please• Elevatored building

renoVated BUiLding QUiet, adULt Project

4843

714_

29/0

4

780.487.9830

6205-178 st.

F I N D

Y O U R

H A P P Y

P L A C E

Page 38: Edmonton Renters Guide - 22 Feb., 2013

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

SOUTHEAST

106 Ave.50

St.

North SaskatchewanRiver

BASELINE RD.101 Ave.

98 Ave.

90 Ave.Whyte - 82 Ave.

76 Ave.

63 Ave.

34 S

t.

17 S

t.99 S

t.

91 S

t.

66 S

t.

SHERWOOD PARK FWY.

WHITEMUD FWY.

23 Ave.

34 Ave.

39 Ave. 38 Ave.

Mill

woo

ds R

d.

Rope

r Rd.

Argyll R

d.

86 S

t.

CA

LGA

RY T

RAIL

NO

RTH

83 S

t.

51 Ave.

75 S

t.

ELLERSLIE RD.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

FIND YOUR HAPPY PLACE

Page 39: Edmonton Renters Guide - 22 Feb., 2013

n SOUTH EAST n

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

SOUTHEAST

106 Ave.

50 S

t.

North SaskatchewanRiver

BASELINE RD.101 Ave.

98 Ave.

90 Ave.Whyte - 82 Ave.

76 Ave.

63 Ave.

34 S

t.

17 S

t.99 S

t.

91 S

t.

66 S

t.

SHERWOOD PARK FWY.

WHITEMUD FWY.

23 Ave.

34 Ave.

39 Ave. 38 Ave.

Mill

woo

ds R

d.

Rope

r Rd.

Argyll R

d.

86 S

t.

CA

LGA

RY T

RAIL

NO

RTH

83 S

t.

51 Ave.

75 S

t.

ELLERSLIE RD.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

2 BEDROOM tOwnhOMEs

30 Woodvale Road

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

www.ayreoxford.com

62 ST & 38 AVE

6980

276_

29/0

4

Woodvale Court

780-448-4984Call after 6:00 p.m.

I’M GONNA NEEDA BIGGER PLACE!

FIND YOUR HAPPY PLACE.

Page 40: Edmonton Renters Guide - 22 Feb., 2013

PAGE 36 • Tell Them You Saw It In The “Renters Guide”

SOUTHWEST

QUESNELLBRIDGE

GROATBRIDGE

23 Ave.

North SaskatchewanRiver

WHITEMUD DR.

106

St.

104

St.

109

St.

122

St.

111

St.

119

St.

143

St.

Rive

rben

d Rd

.

51 Ave.

40 Ave.

34 Ave.

19 Ave.

76 Ave.

Whyte - 82 Ave.

Fox Dr. BelgraviaRd.

105

St.

Saddleback Rd.

CA

LGA

RY T

RAIL

NO

RTH

113

St.

LansdowneDr.

Terw

illega

r Dr.

SOU

TH

Rabbit Hill Rd.

ELLERSLIE RD.

9 Ave.

BlackburneDr.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

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

on-site maintenance manaGeR

4544

460_

29/0

4

780.438.09412207 - 118 stReet

You’ll Be Glad You called Pineridge the Last Word in affordable elegance in a Quiet, convenient Location

ineridge

Here’s what you can do to Recycle, Renew and Reuse

NOW IS THE TIME TO ACT!You can make the world a better place to live... now and for future generations.

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

KEEP IT CLEANPlease!

Page 41: Edmonton Renters Guide - 22 Feb., 2013

SOUTHWEST

QUESNELLBRIDGE

GROATBRIDGE

23 Ave.

North SaskatchewanRiver

WHITEMUD DR.

106

St.

104

St.

109

St.

122

St.

111

St.

119

St.

143

St.

Rive

rben

d Rd

.

51 Ave.

40 Ave.

34 Ave.

19 Ave.

76 Ave.

Whyte - 82 Ave.

Fox Dr. BelgraviaRd.

105

St.

Saddleback Rd.

CA

LGA

RY T

RAIL

NO

RTH

113

St.

LansdowneDr.

Terw

illega

r Dr.

SOU

TH

Rabbit Hill Rd.

ELLERSLIE RD.

9 Ave.

BlackburneDr.

CHECK OUTwww.homeTRADER.caFor our online listings

We’ve got your bases covered!

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

on-site maintenance manaGeR

4544

460_

29/0

4

780.438.09412207 - 118 stReet

You’ll Be Glad You called Pineridge the Last Word in affordable elegance in a Quiet, convenient Location

ineridge

Page 42: Edmonton Renters Guide - 22 Feb., 2013

a great place to cal l home

visit our office at 45 ave & 106 st • www.rentulm.ca • 780-800-8925

2 & 3 bedroom coach homes

5 appliances

Wood burning or gas fireplace

Large balcony/patio

Small pets considered

2 & 3 bedroom townhomes

8 different floorplans

Fenced yard

Covered parking

Small pets considered

Bi-level

2 & 3 bedrooms

1055-1254 sq. ft.

3 bedrooms come with washer/

dryer and private entrance

Sorry no pets

2 & 3 bedroom coach homes

5 appliances

Wood burning fireplace

Small pets considered

3 Bedroom townhomes

1232 sq. ft. plus full basement

Some with rec room

Fenced backyard

5 appliances

Small pets considered

executive coach homes

huntington townhomes

south ridge apartments

huntington hill coach homes

south ridge townhomes

104 a street & 47 avenue

104a street & 48 avenue

106 street & 45 avenue

104a street & 45 avenue

106 street & 45 avenue

leasing hours: Monday - Friday 10am - 6pm

Wednesday 10am - 8pm

Saturday 11am - 5pm4543863_29/04

finances

Pause, then plan, if overwhelmed by money

Worrying too much about money may be hazardous to your health. A recent study in North America found that people with high

levels of debt-related stress are more likely to experience physical and mental health problems, such as heart attacks, high blood pressure, ulcers, insomnia, migraines, anxiety or depression, than those with low debt-related stress.

“The impact of financial stress can be felt well beyond your wallet, but it

shouldn’t take over your life,” said Tom Hamza, president of Investor

Education Fund (IEF), Canada’s leading authority on financial literacy

education and research. “The key to conquering money worries is to take

action. Even small changes to your financial habits can make a big difference

in the long run.”

IEF oFFErs thrEE tIps For copIng wIth monEy strEss:

• Assessyoursituation.Takestockof your financial situation, identify what’s causing the stress and make a plan to address it. For example, if you’re overspending every month, use IEF’s budget worksheet to help you account for all expenses and find areas where you can cut back. In addition, if you’re weighed down by debt, use IEF’s pay off credit cards and debt calculator to prioritize which debts to pay off first.

• Gethelp.Afinancialadvisorcanhelp provide some perspective and expertise to help you get back on track and feel more in control of your financial situation. Learn how to choose an advisor, and review the eight questions to ask in the “Gettingadvice”sectionofIEF’swebsite.

• Keepyoureyesontheprize.Asyoumake progress toward your goal, find small ways to reward yourself and stay motivated. Think cheap and cheerful – buy yourself flowers or do something healthy (and free) to take your mind off the stress.

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

Page 43: Edmonton Renters Guide - 22 Feb., 2013

a great place to cal l home

visit our office at 45 ave & 106 st • www.rentulm.ca • 780-800-8925

2 & 3 bedroom coach homes

5 appliances

Wood burning or gas fireplace

Large balcony/patio

Small pets considered

2 & 3 bedroom townhomes

8 different floorplans

Fenced yard

Covered parking

Small pets considered

Bi-level

2 & 3 bedrooms

1055-1254 sq. ft.

3 bedrooms come with washer/

dryer and private entrance

Sorry no pets

2 & 3 bedroom coach homes

5 appliances

Wood burning fireplace

Small pets considered

3 Bedroom townhomes

1232 sq. ft. plus full basement

Some with rec room

Fenced backyard

5 appliances

Small pets considered

executive coach homes

huntington townhomes

south ridge apartments

huntington hill coach homes

south ridge townhomes

104 a street & 47 avenue

104a street & 48 avenue

106 street & 45 avenue

104a street & 45 avenue

106 street & 45 avenue

leasing hours: Monday - Friday 10am - 6pm

Wednesday 10am - 8pm

Saturday 11am - 5pm4543863_29/04

finances

Pause, then plan, if overwhelmed by money

Worrying too much about money may be hazardous to your health. A recent study in North America found that people with high

levels of debt-related stress are more likely to experience physical and mental health problems, such as heart attacks, high blood pressure, ulcers, insomnia, migraines, anxiety or depression, than those with low debt-related stress.

“The impact of financial stress can be felt well beyond your wallet, but it

shouldn’t take over your life,” said Tom Hamza, president of Investor

Education Fund (IEF), Canada’s leading authority on financial literacy

education and research. “The key to conquering money worries is to take

action. Even small changes to your financial habits can make a big difference

in the long run.”

IEF oFFErs thrEE tIps For copIng wIth monEy strEss:

• Assessyoursituation.Takestockof your financial situation, identify what’s causing the stress and make a plan to address it. For example, if you’re overspending every month, use IEF’s budget worksheet to help you account for all expenses and find areas where you can cut back. In addition, if you’re weighed down by debt, use IEF’s pay off credit cards and debt calculator to prioritize which debts to pay off first.

• Gethelp.Afinancialadvisorcanhelp provide some perspective and expertise to help you get back on track and feel more in control of your financial situation. Learn how to choose an advisor, and review the eight questions to ask in the “Gettingadvice”sectionofIEF’swebsite.

• Keepyoureyesontheprize.Asyoumake progress toward your goal, find small ways to reward yourself and stay motivated. Think cheap and cheerful – buy yourself flowers or do something healthy (and free) to take your mind off the stress.

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

Page 44: Edmonton Renters Guide - 22 Feb., 2013

WALKING DISTANCE TO LONDONDERRY MALL6804-149 AVENUE

4 Bedroom duplex with 1.5 baths, 5 appliances, huge fenced yard ,single detached garage and developed basement. NO PETS & NO SMOKING.

RENT $1300/MONTHPLUS UTILITIES, SD $1300

BELLA MANAGEMENT & REALTY LTD.

780-444-2665

EXECUTIVE CONDO 311, 10403-98 AVENUE

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

RENT $1350/MONTHINCLUDES HEAT & WATER, SD $1350BELLA MANAGEMENT &

REALTY LTD.780-444-2665

CLOSE TO WEST EDMONTON MALL 311, 9816 - 156 STREET

One Bedroom, 5 appliances (fridge, stove, dishwasher, washer & dryer ), one energized parking stall. NO PETS & NO SMOKING.

RENT $895/MONTHINCLUDES HEAT AND WATER. SD $895BELLA MANAGEMENT &

REALTY LTD.780-444-2665

QUAINT FAMILY HOME 9610 - 86 STREET

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

RENT $1395/MONTHPLUS UTILITIES. SD $1395

BELLA MANAGEMENT & REALTY LTD.

780-444-2665

CUTE AS A BUTTON 15718-84 STREET3 bedroom 2 story house with hardwood floors throughout, developed basement, 1.5 bathrooms, 4 appliances, family room, storage, island kitchen, bright and spacious, fully fenced yard and cover deck, numerous amenities near by. NO PETS & NO SMOKING.

RENT $1350/MONTHUTILITIES EXTRA. SD $1350

BELLA MANAGEMENT & REALTY LTD.

780-444-2665

Your #1 source for apartment and housing information!Edmonton Edition

Jan 27 - Feb 10, 2012 Volume 28 Issue 02

T E R R A C ET E R R A C E

West HavenWest HavenWest Haven

Apartments in the Edmonton Area: Laurel Gardens, Birch Hills Landing (Phase 2 now renting), Tamarack Place, Merecroft Gardens (coming soon).

Alberta, British Columbia, Saskatchewan, Manitoba

1-866-RENT-515www.BroadStreet.ca

Now Renting Phase 2

Saskatchewan,

www.BroadStreet.ca

LEDUC

SAY YOU SAW IT

IN THE

EDMONTON’S RENTAL ACCOMMODATION SOURCE

Call Carolyn at 780-668-3570for Advertising Information

Get it While it’s Hot At Newsstands Everywhere!

I FOUND MY PLACE AT

F I N D Y O U R H A P P Y P L A C E

Page 45: Edmonton Renters Guide - 22 Feb., 2013

WALKING DISTANCE TO LONDONDERRY MALL6804-149 AVENUE

4 Bedroom duplex with 1.5 baths, 5 appliances, huge fenced yard ,single detached garage and developed basement. NO PETS & NO SMOKING.

RENT $1300/MONTHPLUS UTILITIES, SD $1300

BELLA MANAGEMENT & REALTY LTD.

780-444-2665

EXECUTIVE CONDO 311, 10403-98 AVENUE

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

RENT $1350/MONTHINCLUDES HEAT & WATER, SD $1350BELLA MANAGEMENT &

REALTY LTD.780-444-2665

CLOSE TO WEST EDMONTON MALL 311, 9816 - 156 STREET

One Bedroom, 5 appliances (fridge, stove, dishwasher, washer & dryer ), one energized parking stall. NO PETS & NO SMOKING.

RENT $895/MONTHINCLUDES HEAT AND WATER. SD $895BELLA MANAGEMENT &

REALTY LTD.780-444-2665

QUAINT FAMILY HOME 9610 - 86 STREET

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

RENT $1395/MONTHPLUS UTILITIES. SD $1395

BELLA MANAGEMENT & REALTY LTD.

780-444-2665

CUTE AS A BUTTON 15718-84 STREET3 bedroom 2 story house with hardwood floors throughout, developed basement, 1.5 bathrooms, 4 appliances, family room, storage, island kitchen, bright and spacious, fully fenced yard and cover deck, numerous amenities near by. NO PETS & NO SMOKING.

RENT $1350/MONTHUTILITIES EXTRA. SD $1350

BELLA MANAGEMENT & REALTY LTD.

780-444-2665

Your #1 source for apartment and housing information!Edmonton Edition

Jan 27 - Feb 10, 2012 Volume 28 Issue 02

T E R R A C ET E R R A C E

West HavenWest HavenWest Haven

Apartments in the Edmonton Area: Laurel Gardens, Birch Hills Landing (Phase 2 now renting), Tamarack Place, Merecroft Gardens (coming soon).

Alberta, British Columbia, Saskatchewan, Manitoba

1-866-RENT-515www.BroadStreet.ca

Now Renting Phase 2

Saskatchewan,

www.BroadStreet.ca

LEDUC

SAY YOU SAW IT

IN THE

EDMONTON’S RENTAL ACCOMMODATION SOURCE

Call Carolyn at 780-668-3570for Advertising Information

Get it While it’s Hot At Newsstands Everywhere!

I FOUND MY PLACE AT

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

F I N D Y O U R H A P P Y P L A C E

Page 46: Edmonton Renters Guide - 22 Feb., 2013

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

GinGerbread appLe upside-down cake

Topping:› 4 tbsp butter, plus extra

for greasing pan› 1/2 cup dark brown

sugar› Pinch of salt› 4 large Golden Delicious

apples, peeled, cored and cut into 1/4-inch wedges

Batter:› 1/2 cup butter, at room

temperature

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

› 1/2 tsp freshly ground nutmeg

Calvados whipped cream:› 1/2 cup whipping cream,

chilled› 1 tsp maple syrup› 1 tsp Calvados

ingredients serves 12

directions

Preheat the oven to 325°F. Grease a 10-inch cake pan. To make the topping, melt 4 tablespoons of butter in a small saucepan. Add the brown sugar and simmer over medium heat, stirring for five minutes, then swirl in the salt. Remove the saucepan from the heat and pour the mixture into the cake pan, spreading with a spatula to distribute evenly. Make circles of overlapping apple slices on top of the brown sugar. Chop any remaining slices and place them in the gaps.

For the batter, blend 1/2 cup butter and 1/2 cup sugar in a standing mixer set on medium-low, then increase the speed to high and cream until the batter becomes light and fluffy.

In a medium bowl, whisk together the egg, molasses, honey, buttermilk and vanilla. In a separate bowl, sift together the flour, baking soda, salt, ginger, cinnamon and nutmeg. Alternate adding the egg mixture and the flour mixture to the creamed butter-sugar mixture, then pour the batter into the cake pan.

Bake at least 45 to 50 minutes or until a tester inserted into the center of the cake comes out clean. Let cool on a wire rack for 10 to 15 minutes. Run a small knife around the edges of pan to loosen the cake, then place a serving platter over the cake and invert onto the platter.

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

this delectably moist gingerbread-spiced caramelized apple upside-down cake is the perfect dessert for the chilly autumn and winter months. Dark, coppery and intensely flavoured, this delicious cake is

made with dark molasses, honey, buttermilk and a trio of fragrant spices, and goes perfectly with a dollop of pillowy soft Calvados Whipped Cream or tangy creme fraiche. As tempting as it may be, don’t use a springform pan with a removable bottom, as the syrup will leak out and that would be very messy as well as being enormously tragic.

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

Scrumpdillyicious

Page 47: Edmonton Renters Guide - 22 Feb., 2013
Page 48: Edmonton Renters Guide - 22 Feb., 2013