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Transcript of Edmonton Renters Guide
March 08 - 22, 2013 Volume 29 Issue 05Edmonton Edition
TOP 10 renters complaints
6621 - 96 St, Edmonton
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: 587-784-4044 Email: [email protected]
DeaDline Date for VolUMe 29, iSSUe 06 iS Mar. 14, 2013 @ 4:00 pM
March 08 - 22, 2013 Volume 29 Issue 05Edmonton Edition
TOP 10 renters complaints
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 Katie Nash
mediA consultAnts Carolyn Porteous (on leave), Shelley Balla
editor Elisa Krovblit
contributors Jane Herman, Gail Vaz-Oxlade
senior Production mAnAger Gnanapandithan Bala
Production mAnAger Nikki Yarwood
Production coordinAtor Bala Menon
Art director Lee Cobham
design & Production
Mike Terentiev, Swinder Jodhka
circulAtion Michael Grey 780.822.5402
7 North Central
20 South Central
23 North East
24 Ft. Saskatchewan
28 North West
29 West
30 South East
32 South West
34 Houses, Condos & Duplexes, Executive Homes
SeCtIonS
eDItorIaL FeatureS
18 renters’ Help Top 10 renter issues Jane Herman
Published by
22 26
quick tips 22 Finding the right place
finances 26 How credit cards calculate interest
Gail Vaz-Oxlade
did you know that once you sign a lease and move into your new digs that an inspection is in order? Landlords cannot hold tenants responsible for normal wear and tear, however tenants
are expected to fix damage such as stained broadloom and damaged walls or ceilings when they depart.
Since the question of who did the damage may come into play at some point during your occupancy, inspecting the condition of the premises on move-in day is a very important part of the rental process. Be thorough and document everything you notice. The tenant and the landlord should inspect the rental premises together. In some provinces, an inspection report is required by law. This should be a formalized process by which both the landlord and tenant end up with a signed agreement and both parties receive copies of the signed inspection sheet. During your inspection, you’ll review many aspects of the home. Be sure the safety features, such as smoke and carbon monoxide detectors, are included in the inspection too. It’s the law to have working detectors in the home. Be sure to keep them in working order during your stay by testing their operation regularly.
To protect yourself from unexpected expenses at the end of your term as a tenant, ask if a proper inspection process is part of the leasing agreement before you sign the agreement. Also be sure to go through the inspection process before you take occupancy of your new digs. Doing a formal inspection now could save you time and money in the future.
Susan LeggeEDITOR-IN-CHIEF, homeTRADER [email protected]
Follow me on Twitter atTwitter.com/SusanLegge
the fact is, it’s not an easy market for renters. There’s a lack of great rental opportunity. While condos continue to go up in rapid succession, new apartment buildings are few and far between. With a growing
population, most major urban centres are finding the same bottom line, historically low vacancy rates. What does that mean for you? It means that there are less options and more competition.
When landlords and property managers have a vacancy they often have a waitlist to go to and multiple applications for a single apartment. If there’s a specific community you’d like to live in, it would be to your advantage to go in for a visit and get yourself on that waitlist. It may be word of mouth that helps you find that elusive vacancy – telling friends, classmates and colleagues that you’re apartment hunting may give you some leads that you’d otherwise never unearth. One of the best sources is a magazine – Renters Guide – where our long-standing relationship with landlords and property management companies brings the advertisement of availabilities, allowing you to zero in on available apartments in the right location, size and budget.
Low vacancy rates also mean that you’ve got to be prepared and have the appearance of a good tenant. Have your finances in order, references at the ready and your best foot forward when you go in. Be the perfect option.
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 at 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
587-784-4044
did you know that once you sign a lease and move into your new digs that an inspection is in order? Landlords cannot hold tenants responsible for normal wear and tear, however tenants
are expected to fix damage such as stained broadloom and damaged walls or ceilings when they depart.
Since the question of who did the damage may come into play at some point during your occupancy, inspecting the condition of the premises on move-in day is a very important part of the rental process. Be thorough and document everything you notice. The tenant and the landlord should inspect the rental premises together. In some provinces, an inspection report is required by law. This should be a formalized process by which both the landlord and tenant end up with a signed agreement and both parties receive copies of the signed inspection sheet. During your inspection, you’ll review many aspects of the home. Be sure the safety features, such as smoke and carbon monoxide detectors, are included in the inspection too. It’s the law to have working detectors in the home. Be sure to keep them in working order during your stay by testing their operation regularly.
To protect yourself from unexpected expenses at the end of your term as a tenant, ask if a proper inspection process is part of the leasing agreement before you sign the agreement. Also be sure to go through the inspection process before you take occupancy of your new digs. Doing a formal inspection now could save you time and money in the future.
Susan LeggeEDITOR-IN-CHIEF, homeTRADER [email protected]
Follow me on Twitter atTwitter.com/SusanLegge
the fact is, it’s not an easy market for renters. There’s a lack of great rental opportunity. While condos continue to go up in rapid succession, new apartment buildings are few and far between. With a growing
population, most major urban centres are finding the same bottom line, historically low vacancy rates. What does that mean for you? It means that there are less options and more competition.
When landlords and property managers have a vacancy they often have a waitlist to go to and multiple applications for a single apartment. If there’s a specific community you’d like to live in, it would be to your advantage to go in for a visit and get yourself on that waitlist. It may be word of mouth that helps you find that elusive vacancy – telling friends, classmates and colleagues that you’re apartment hunting may give you some leads that you’d otherwise never unearth. One of the best sources is a magazine – Renters Guide – where our long-standing relationship with landlords and property management companies brings the advertisement of availabilities, allowing you to zero in on available apartments in the right location, size and budget.
Low vacancy rates also mean that you’ve got to be prepared and have the appearance of a good tenant. Have your finances in order, references at the ready and your best foot forward when you go in. Be the perfect option.
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 at 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
587-784-4044
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!
Visit the new real estate section on canpages.caand start looking for that special place.
Search your favorite neighbourhood
Find out about nearbyservices and amenities
View promotions and specials on rental apartments
We think fi nding a home is a lot more than simply fi nding the right property. That’s why we put you right in the middle of the search process.
Powered by
LOOKING FOR A NEWAPARTMENT?
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!
Visit the new real estate section on canpages.caand start looking for that special place.
Search your favorite neighbourhood
Find out about nearbyservices and amenities
View promotions and specials on rental apartments
We think fi nding a home is a lot more than simply fi nding the right property. That’s why we put you right in the middle of the search process.
Powered by
LOOKING FOR A NEWAPARTMENT?
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_29/05
• 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”
1 & 2 BEDROOMS
10320-122 Street
• Upgraded unit• Incl. heat, water & parking• Excellent transit• Adult building
780-918-1352
www.ayreoxford.com
5160151_29/05
Twin Rose Manor1 & 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
4848163_2905
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
find: spacious
find your happy place.
n NORTH CENTRAL n
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
4848163_2905
APARTMENTS11808-100 Avenue
Victoria Park Rd.
Jasper Ave.
100 Ave. 118
St.
116
St.
N
780-800-8966
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_29/05
DOWNTOWN LOCATIONS – YOU’LL BE IMPRESSED...
11
44
22
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_29/05
DOWNTOWN LOCATIONS – YOU’LL BE IMPRESSED...
55
33
44
22
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_29/05
DOWNTOWN LOCATIONS – YOU’LL BE IMPRESSED...
11
44
22
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_29/05
DOWNTOWN LOCATIONS – YOU’LL BE IMPRESSED...
55
33
44
22
n NORTH CENTRAL n
PAGE 12 • Tell Them You Saw It In The “Renters Guide”
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_2905
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
5
1 BEDROOMS
11530-124 Street
• Quiet, clean
• Close to Kingsway Mall, NAIT & Downtown
• Excellent transit
• On-site manager
www.ayreoxford.com
4758123_29/05
Parklane Gardens
780-452-1862 115 Ave. & 124 St.
F I N D Y O U R H A P P Y P L A C E
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
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_2905
• 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
4543
438_
2905
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!
• 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
4543
438_
2905
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!
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_29/05
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
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
5
F I N D Y O U R H A P P Y P L A C E
I’M GONNA NEEDA BIGGER PLACE!
FIND YOUR HAPPY PLACE.
Find it here!Pick up a copy of the Home Renters Guide at Mac’s or Safeway every other Friday
780.800.5062 10020 103 Ave
FEATURES FEATURES
Mon-Fri 8:30-4:30Call for an Appointment
4544670_29/05
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
Harmonious living is all about treating others with respect and consideration. Start by making a
concerted effort to avoid these ‘Top 10 Renter Issues.’ When you act with sensitivity to your neighbours, it’s amazing how others will respond.
1. Keep the noise down. Apartment walls are notoriously thin, and people have different sleeping schedules. Remember that many people work at night and might be sleeping when you are heading off to work! Take off those clicking high heels at the door and don a pair of slippers at home. Likewise, please refrain from vacuuming, power tools or hanging pictures at 10pm. Avoid exceedingly loud noise at all times, especially
arguing, playing music or watching the television at high volume. (Consider getting a pair of headphones for your home entertainment.) If you’re having a large crowd over, advise your neighbours.
2. The elevator is for everyone. Upon entering the elevator, if you see another resident running down the hall, (or an elderly resident who may not be able to get there that fast) do the right thing and hold it for them. Likewise, don’t hold the elevator unnecessarily, like while you’re waiting for your spouse/roommate to put their coat on, lock the door, and walk all the way down the hall. You know how annoying it is to wait endlessly for the elevator – especially when you’re in a hurry. And if you have children, never let them play in the elevators (pushing all the buttons and then running out at their floor is not a game).
3. No Smoking. This should be obvious. If smoking is not allowed in your building or on the floor, don’t do it.
4. Consider the environment when cooking. This is one issue that can, unfortunately, be very invasive. What smells delicious and appetizing to some can be, absolutely unappealing and overpowering to others. When cooking – especially when it’s something aromatic
– please open your window so that it doesn’t smell up the entire floor. This is especially important when you’ve burned something. There is nothing worse than emerging from the elevator and finding the hall filled with offensive smells.
5. Respect and maintain common areas as if they were an extension of your own home. They are, in fact, an extension of your own home. Encountering a pile of garbage in the trash room is particularly offensive. Always put yours down the chute. And remember to tidy up after yourself in the laundry room, whether it’s used dryer sheets, spills of detergent near the washer or just your used coffee cup or empty water bottle. After using the barbecue, pool area or party room, take out all trash and leave as you found it.
6. Ensure that your pet is a good neighbour too. To prevent accidents, walk your pet regularly, and stoop’n’scoop. Not is it only the right thing to do, it’s your
By Jane Herman
renters’help
Top 10 Renter IssuesJane Herman is a communications consultant who has worked in the rental property industry. Jane provides communications solutions for a diverse range of clients and has written about food, fashion, apartment living and personal finance for several publications.
obligation. Also, make sure your pet isn’t disruptive to neighbours by howling all day or barking all night.
7. Be a model citizen in the parking lot. Keep the music down. Drive slowly and carefully, anticipating seniors and children. Don’t stop or leave your car idling where it will be in the way of others. Stick to your own parking space and make sure guests only park in designated Visitor Parking spots. Even if you know your neighbour works during the day, stay out of their assigned spot. They may have to come home for a quick break and this is one major pet peeve that can drive a wedge between people.
8. Keep an eye on the time and on your laundry regularly. Don’t leave your stuff sitting in the washer or dryer after it has finished. It annoys other people who are waiting to use the machine. Invest in a drying rack and dry delicate items inside, not on your balcony.
9. Clothing is not optional! Remember to dress appropriately when taking out trash, recycling, picking up mail, doing laundry or getting something from your car.
10. Be aware of your neighbours but also respect their right to their privacy. Be cognizant of and promptly report any crimes or suspicious persons in the building. This is not just a matter of etiquette, but of communal safety. At the same time, be aware of your neighbours, but also respect their right to their privacy. This means not making their business – like when they leave and enter the building or where they are going – your business.
Creating the kind of community you want to live in means treating your neighbours with the simple respect and courtesy you wish to have reciprocated. As they say,
“Begin and the rest is easy.”
Harmonious living is all about treating others with respect and consideration. Start by making a
concerted effort to avoid these ‘Top 10 Renter Issues.’ When you act with sensitivity to your neighbours, it’s amazing how others will respond.
1. Keep the noise down. Apartment walls are notoriously thin, and people have different sleeping schedules. Remember that many people work at night and might be sleeping when you are heading off to work! Take off those clicking high heels at the door and don a pair of slippers at home. Likewise, please refrain from vacuuming, power tools or hanging pictures at 10pm. Avoid exceedingly loud noise at all times, especially
arguing, playing music or watching the television at high volume. (Consider getting a pair of headphones for your home entertainment.) If you’re having a large crowd over, advise your neighbours.
2. The elevator is for everyone. Upon entering the elevator, if you see another resident running down the hall, (or an elderly resident who may not be able to get there that fast) do the right thing and hold it for them. Likewise, don’t hold the elevator unnecessarily, like while you’re waiting for your spouse/roommate to put their coat on, lock the door, and walk all the way down the hall. You know how annoying it is to wait endlessly for the elevator – especially when you’re in a hurry. And if you have children, never let them play in the elevators (pushing all the buttons and then running out at their floor is not a game).
3. No Smoking. This should be obvious. If smoking is not allowed in your building or on the floor, don’t do it.
4. Consider the environment when cooking. This is one issue that can, unfortunately, be very invasive. What smells delicious and appetizing to some can be, absolutely unappealing and overpowering to others. When cooking – especially when it’s something aromatic
– please open your window so that it doesn’t smell up the entire floor. This is especially important when you’ve burned something. There is nothing worse than emerging from the elevator and finding the hall filled with offensive smells.
5. Respect and maintain common areas as if they were an extension of your own home. They are, in fact, an extension of your own home. Encountering a pile of garbage in the trash room is particularly offensive. Always put yours down the chute. And remember to tidy up after yourself in the laundry room, whether it’s used dryer sheets, spills of detergent near the washer or just your used coffee cup or empty water bottle. After using the barbecue, pool area or party room, take out all trash and leave as you found it.
6. Ensure that your pet is a good neighbour too. To prevent accidents, walk your pet regularly, and stoop’n’scoop. Not is it only the right thing to do, it’s your
By Jane Herman
renters’help
Top 10 Renter IssuesJane Herman is a communications consultant who has worked in the rental property industry. Jane provides communications solutions for a diverse range of clients and has written about food, fashion, apartment living and personal finance for several publications.
obligation. Also, make sure your pet isn’t disruptive to neighbours by howling all day or barking all night.
7. Be a model citizen in the parking lot. Keep the music down. Drive slowly and carefully, anticipating seniors and children. Don’t stop or leave your car idling where it will be in the way of others. Stick to your own parking space and make sure guests only park in designated Visitor Parking spots. Even if you know your neighbour works during the day, stay out of their assigned spot. They may have to come home for a quick break and this is one major pet peeve that can drive a wedge between people.
8. Keep an eye on the time and on your laundry regularly. Don’t leave your stuff sitting in the washer or dryer after it has finished. It annoys other people who are waiting to use the machine. Invest in a drying rack and dry delicate items inside, not on your balcony.
9. Clothing is not optional! Remember to dress appropriately when taking out trash, recycling, picking up mail, doing laundry or getting something from your car.
10. Be aware of your neighbours but also respect their right to their privacy. Be cognizant of and promptly report any crimes or suspicious persons in the building. This is not just a matter of etiquette, but of communal safety. At the same time, be aware of your neighbours, but also respect their right to their privacy. This means not making their business – like when they leave and enter the building or where they are going – your business.
Creating the kind of community you want to live in means treating your neighbours with the simple respect and courtesy you wish to have reciprocated. As they say,
“Begin and the rest is easy.”
PAGE 20 • Tell Them You Saw It In The “Renters Guide”
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!
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
1072
1 –
85 A
ve.
1125
1527
_290
5
the view!
find your happy place.
New issue every second Friday
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
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
n SOUTH CENTRAL n
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_
2905
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
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!
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!
1. Make a list of your top
priorities. Do you need extra
parking spaces? A place that
welcomes pets? Thinking through
your needs ahead of time can help
you find an apartment that meets
those needs, instead of one that just
strikes your fancy at first glance.
2. Check out the property. In
addition to examining the condition
of the for-rent unit, walk through
the property to see whether it
appears to be well maintained. Is
the landscaping healthy or dying?
Nicely trimmed or growing wild?
Are any windows, steps or railings
broken or dangerous? Do the access
doors open easily and shut tightly?
Walk through at night, too. Are the
parking areas and pathways well
lit? What about the stairwells and
hallways?
3. Talk to the neighbours. If
you’re serious about a particular
apartment, knock on a few doors
and ask your potential neighbours
whether they’re satisfied with the
building’s amenities, management’s
responsiveness to repair needs and
other issues of concern to you. Ask:
Would you tell a friend to move into
this building?
4. Examine the lease. A lease
is a legal obligation to pay rent
for a specified length of time, and
every lease has variations on the
terms and conditions of tenancy. If
the terms of the lease agreement
don’t suit your needs, negotiate or
reconsider renting the apartment.
5. Consider security. Does the
building have controlled access? If
so, are the exterior security gates
and doors closed? Are the locks in
working order? Does your individual
unit have secure door locks and
window latches? Does the building
have a security service?
6. Ask about shared facilities.
Does the building have a swimming
pool? A recreation or fitness room?
Tennis courts? Laundry facilities?
Who is allowed to use those
facilities and during what hours?
Is there an extra fee charged for
When looking for a new apartment, it’s good to know what you want and what you need. Make a list of priorities and
then see how your prospects measure up.
quicktips
Finding the right place
use of the facilities? Where are the
facilities located in relation to your
prospective apartment? Do you
really want to live poolside or near
the laundry room?
7. Ask about utility costs. Is
the water bill paid by the owner
or separately by the tenants? Are
electrical or gas utilities included
in the rent? Is there a single
thermostat for the entire building? If
so, who controls it?
8. Take notes. Before you move
in, document the condition of your
unit and make note of any non-
functioning doors or windows,
leaking plumbing, missing fixtures,
stained carpets and so on. Ask your
landlord to initial a copy of your
documentation to prevent disputes
when you eventually move out.
Better yet, take pictures or make a
video of the premises before you
bring in any of your furniture or
belongings.
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!
Kuanna Housing Co-Op
1 bedroom lower suite in 4 PlexLaundry on site
$950/month includes utilities Deposit $750
12936-96 StreetPHONE 780-482-2613
Found all over the place.
All Over_24/24the kitchen!
find your happy place.
New issue every second Friday
1. Make a list of your top
priorities. Do you need extra
parking spaces? A place that
welcomes pets? Thinking through
your needs ahead of time can help
you find an apartment that meets
those needs, instead of one that just
strikes your fancy at first glance.
2. Check out the property. In
addition to examining the condition
of the for-rent unit, walk through
the property to see whether it
appears to be well maintained. Is
the landscaping healthy or dying?
Nicely trimmed or growing wild?
Are any windows, steps or railings
broken or dangerous? Do the access
doors open easily and shut tightly?
Walk through at night, too. Are the
parking areas and pathways well
lit? What about the stairwells and
hallways?
3. Talk to the neighbours. If
you’re serious about a particular
apartment, knock on a few doors
and ask your potential neighbours
whether they’re satisfied with the
building’s amenities, management’s
responsiveness to repair needs and
other issues of concern to you. Ask:
Would you tell a friend to move into
this building?
4. Examine the lease. A lease
is a legal obligation to pay rent
for a specified length of time, and
every lease has variations on the
terms and conditions of tenancy. If
the terms of the lease agreement
don’t suit your needs, negotiate or
reconsider renting the apartment.
5. Consider security. Does the
building have controlled access? If
so, are the exterior security gates
and doors closed? Are the locks in
working order? Does your individual
unit have secure door locks and
window latches? Does the building
have a security service?
6. Ask about shared facilities.
Does the building have a swimming
pool? A recreation or fitness room?
Tennis courts? Laundry facilities?
Who is allowed to use those
facilities and during what hours?
Is there an extra fee charged for
When looking for a new apartment, it’s good to know what you want and what you need. Make a list of priorities and
then see how your prospects measure up.
quicktips
Finding the right place
use of the facilities? Where are the
facilities located in relation to your
prospective apartment? Do you
really want to live poolside or near
the laundry room?
7. Ask about utility costs. Is
the water bill paid by the owner
or separately by the tenants? Are
electrical or gas utilities included
in the rent? Is there a single
thermostat for the entire building? If
so, who controls it?
8. Take notes. Before you move
in, document the condition of your
unit and make note of any non-
functioning doors or windows,
leaking plumbing, missing fixtures,
stained carpets and so on. Ask your
landlord to initial a copy of your
documentation to prevent disputes
when you eventually move out.
Better yet, take pictures or make a
video of the premises before you
bring in any of your furniture or
belongings.
PAGE 24 • Tell Them You Saw It In The “Renters Guide”
FORT SASKATCHEWAN
CHECK OUTwww.homeTRADER.caFor our online listings
We’ve got your bases covered!
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
www.westwoodterrace.ca
7 appliances •
1124
5476
_29/05
75 Woodsmere Close FT. Saskatchewan75 Woodsmere Close FT. Saskatchewan
ANOTHER LANDMARK ANOTHER LANDMARK GROUP PROJECT
75 Woodsmere Close FT. Saskatchewan75 Woodsmere Close FT. Saskatchewan
Westwood Terrace
11 FLOOR PLANS TO CHOOSE FROM
PROPERTY INFORMATION
780-998-3880
Westland ParkWestland Park• 2 & 3 bedroom units • 1 1/2 baths • Professional on site management • Lawn & patios in fenced yards • Full basements • Sorry, no pets
Westland ParkWestland ParkWestland ParkWestland ParkWestland Park
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
• • • management • fenced yards • •
5592194_29/05
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
FORT SASKATCHEWAN
CHECK OUTwww.homeTRADER.caFor our online listings
We’ve got your bases covered!
PROPERTY INFORMATION
780-998-3880
Westland ParkWestland Park• 2 & 3 bedroom units • 1 1/2 baths • Professional on site management • Lawn & patios in fenced yards • Full basements • Sorry, no pets
Westland ParkWestland ParkWestland ParkWestland ParkWestland Park
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
• • • management • fenced yards • •
5592194_29/05
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
Interest on a credit card is charged differently depending on the type of transaction on the card. Maybe you made a new purchase. Maybe you’re carrying a balance from last month, which would be a “previous purchase.” Perhaps you took a cash advance. Or maybe in an attempt to get your interest costs down, you did a balance transfer.
New purchases usually don’t attract any interest unless there’s a previous balance on the card or you end up paying after the due date. At that point, the interest clock clicks on back to the date of the purchase. No grace period! If you carry so much as a penny on the balance, then instead of getting a free ride from the date of purchase through to the date owed the following month, the interest clock clicks on the minute you do the transaction.
The interest-free or “grace” period never applies to cash advances. Yup, the minute you pull that money off your card, the clock clicks on and you start paying interest, usually on your entire balance. Ditto balance transfers unless you have a special deal going.
The interest you’ll pay is calculated in one of two ways:
using the “average daily balance method”or using the “daily balance method”.
While these calculations are different, they often yield the much the same results. If you don’t much care, skip the next two paragraphs. If you really want to know the difference, well, here ya go:
Credit cards calculate the average daily balance by adding up the balance at the end of each day and then dividing the total by the number of days in the billing period. The answer is then multiplied by the daily interest rate (the annual interest rate divided by 12). They multiply the result by the number of days in the billing period (30 in June, 31 in July).
The daily balance method calculates interest owed at the end of each day. They multiply the daily balance by the daily interest rate, adding up the daily interest charges to obtain the amount of interest charged for the month.
Everybody back?
Credit card companies use one of two methods to decide whether the interest-free period applies to your new purchases:
On some cards, the interest-free period applies to your new purchases if you pay your current month’s balance in full by the due date. This can be called “method 1” or “one cycle billing”.
But some credit cards want to penalize you when you carry a balance even for one month. In an interest rate grab, “method 2” or the “two cycle” billing was born. With this method, the interest-free period applies to your new purchases only if you pay your current month’s balance in full, by the due date, and you did not carrying a balance from the previous month.
I find it interesting that in all the chatter about cardholder rights and changes proposed by the Feds to protect consumers, two-cycle billing never saw the light of day. And where is the protection for people – students in particular – who are offered credit with no visible means of repayment? And don’t get me started on over-limit fees or any of the other rapacious fees credit card companies use to compensate for all the bad lending they did.
Credit cards can also charge a different interest rate for things like introductory offers, cash advances or balance transfers. Since those rates are often calculated in a different ways than the rates charged for purchases, you need to be careful when you use your cards.
Often, for example, if you do a balance transfer, you should not use that card for any additional purchases. Why? Well, while the balance transfer offer may seem like a gift, the new purchases interest rate can be through the roof. And since all your payments will go to the “balance transfer” pot first, your “new purchases” pot will continue to accumulate at that much higher interest rate.
The recent Fed plans to try to protect consumers from the big bad credit card wolves does address this issue, but nothing has been cast in stone yet.
So sometime in the future consumer payments may have to be assigned to the balance with the higher rate, or they may be spread between the two or more pots based on the relative size of the balance, but who knows.
While it may feel like torture to read your credit card agreement, if you don’t you’re walking blind into something that may bite you in the butt down the road. And whenever your credit card company sends out a notification that your terms and conditions have changed, pay attention.
It was a lack of attention that allowed the Method 2 calculation or “two-cycle billing”, which was born in the U.S. where credit card companies regularly stick it to their customers, to take hold in Canada. If more people had had their heads up and rebelled, our lenders would never have kept this option. Now it has a strong foothold, it would take a tsunami of customer cancellations to have it reversed. That’s ground we’ve lost as consumers that we’ll never regain.
finances
By Gail Vaz-Oxlade
How Credit Cards CalCulate interest
Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at www.gailvazoxlade.com.Follow Gail on Twitter at Twitter.com/GailVazOxlade
finances
If you’re like me and you always pay the amount owing on your credit card by the payment due date, you never have to pay interest, so you may not much care what your interest rate is or how it’s calculated.
But if you carry a balance, or if you ever take cash advances, read on.
Interest on a credit card is charged differently depending on the type of transaction on the card. Maybe you made a new purchase. Maybe you’re carrying a balance from last month, which would be a “previous purchase.” Perhaps you took a cash advance. Or maybe in an attempt to get your interest costs down, you did a balance transfer.
New purchases usually don’t attract any interest unless there’s a previous balance on the card or you end up paying after the due date. At that point, the interest clock clicks on back to the date of the purchase. No grace period! If you carry so much as a penny on the balance, then instead of getting a free ride from the date of purchase through to the date owed the following month, the interest clock clicks on the minute you do the transaction.
The interest-free or “grace” period never applies to cash advances. Yup, the minute you pull that money off your card, the clock clicks on and you start paying interest, usually on your entire balance. Ditto balance transfers unless you have a special deal going.
The interest you’ll pay is calculated in one of two ways:
using the “average daily balance method”or using the “daily balance method”.
While these calculations are different, they often yield the much the same results. If you don’t much care, skip the next two paragraphs. If you really want to know the difference, well, here ya go:
Credit cards calculate the average daily balance by adding up the balance at the end of each day and then dividing the total by the number of days in the billing period. The answer is then multiplied by the daily interest rate (the annual interest rate divided by 12). They multiply the result by the number of days in the billing period (30 in June, 31 in July).
The daily balance method calculates interest owed at the end of each day. They multiply the daily balance by the daily interest rate, adding up the daily interest charges to obtain the amount of interest charged for the month.
Everybody back?
Credit card companies use one of two methods to decide whether the interest-free period applies to your new purchases:
On some cards, the interest-free period applies to your new purchases if you pay your current month’s balance in full by the due date. This can be called “method 1” or “one cycle billing”.
But some credit cards want to penalize you when you carry a balance even for one month. In an interest rate grab, “method 2” or the “two cycle” billing was born. With this method, the interest-free period applies to your new purchases only if you pay your current month’s balance in full, by the due date, and you did not carrying a balance from the previous month.
I find it interesting that in all the chatter about cardholder rights and changes proposed by the Feds to protect consumers, two-cycle billing never saw the light of day. And where is the protection for people – students in particular – who are offered credit with no visible means of repayment? And don’t get me started on over-limit fees or any of the other rapacious fees credit card companies use to compensate for all the bad lending they did.
Credit cards can also charge a different interest rate for things like introductory offers, cash advances or balance transfers. Since those rates are often calculated in a different ways than the rates charged for purchases, you need to be careful when you use your cards.
Often, for example, if you do a balance transfer, you should not use that card for any additional purchases. Why? Well, while the balance transfer offer may seem like a gift, the new purchases interest rate can be through the roof. And since all your payments will go to the “balance transfer” pot first, your “new purchases” pot will continue to accumulate at that much higher interest rate.
The recent Fed plans to try to protect consumers from the big bad credit card wolves does address this issue, but nothing has been cast in stone yet.
So sometime in the future consumer payments may have to be assigned to the balance with the higher rate, or they may be spread between the two or more pots based on the relative size of the balance, but who knows.
While it may feel like torture to read your credit card agreement, if you don’t you’re walking blind into something that may bite you in the butt down the road. And whenever your credit card company sends out a notification that your terms and conditions have changed, pay attention.
It was a lack of attention that allowed the Method 2 calculation or “two-cycle billing”, which was born in the U.S. where credit card companies regularly stick it to their customers, to take hold in Canada. If more people had had their heads up and rebelled, our lenders would never have kept this option. Now it has a strong foothold, it would take a tsunami of customer cancellations to have it reversed. That’s ground we’ve lost as consumers that we’ll never regain.
finances
By Gail Vaz-Oxlade
How Credit Cards CalCulate interest
Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at www.gailvazoxlade.com.Follow Gail on Twitter at Twitter.com/GailVazOxlade
finances
If you’re like me and you always pay the amount owing on your credit card by the payment due date, you never have to pay interest, so you may not much care what your interest rate is or how it’s calculated.
But if you carry a balance, or if you ever take cash advances, read on.
PAGE 28 • Tell Them You Saw It In The “Renters Guide”
WEST
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111 Ave.
124
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107 Ave.
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95 Ave.
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142
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149
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156
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163
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159
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170
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178
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182
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69 Ave.
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107 Ave.
102 Ave.
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106 Ave.50
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