Edmonton Renters Guide - 22 Feb., 2013
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Transcript of 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
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
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
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
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
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
• 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
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
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
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
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
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.
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.
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
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
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
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
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.
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.
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
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
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
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
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
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
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.
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 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
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
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
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 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.
CHECK OUTwww.homeTRADER.caFor our online listings
We’ve got your bases covered!
Lakeland Village 178 Ave & 95 St.
u 3 BEDROOM TOWNHOUSESu 5 appliancesu Fireplaces in some units
Call Karin 587-520-5552
1046
0723
_290
4
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
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.
FIND YOUR HAPPY PLACE
FOR THE APARTMENT HUNTER
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_
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
find: Rustic
find your happy place.
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 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
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 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!
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
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
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
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
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
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
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