Have you anticipated all your expenses?

You’re thinking of buying your perfect home? You’re prepared for the down payment as well as the loan and tax instalments and insurance. You’re sure you’ve thought of everything. But have you really anticipated everything?

Buying a home is not only a matter of making loan payments! It’s important to anticipate other expenses. And since these expenses can impact the amount you put down, you need to keep them in mind during the buying process. These expenses* can include:

  • Appraisal fee ($350)
  • Welcome tax ($2,000)
  • School taxes ($500)
  • Home inspection fee ($150)
  • Municipal taxes ($2,000)
  • Moving cost ($1,000)
  • Home insurance ($400)
  • Lawyer (notary) fees ($1,000)
  • Loan insurance ($1,600)

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Beauty and the behemoth

It was love at first sight. The pure eyed beauty is justice. Her admirer is architect Joseph Poelaert. His love for the beauty was so great that he built an immense palace for her. In reality it’s a monster. As the expression goes, it’s the thought that counts.

We will never really know what the architect was thinking at the time. Driven by his project, he died suddenly of a stroke, four years before the inaugural ceremony.

Today, Belgians have a palace of justice that is sometimes called the behemoth. It’s the colossal size of the building that makes tourists stop and ponder, not its esthetics. The interior is so vast that it’s said that dozens of rooms are empty. The doors have been closed for a long time.

The palace of justice is still incomplete, but the behemoth is still alive. Each day, hundreds of lawyers and employees pass through its doors to preserve the pureness of justice. And that doesn’t include visitors.

Palais de justice Bruxelles WIKIPEDIA inusite
Exterior of the Brussels Palace of Justice: Wikipedia Creative Commons Attribution-Share Alike Martin Mycielski (Stansfield)

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About wallpaper

Here is a description of different types of wallpaper and installation advice.

Traditional wallpaper is a repetitive reproduction of a pattern every 10 to 27’’ (25 x 68 cm). A wallpaper mural is made up of overlapping paper widths that form a single pattern that can be up to 36 feet wide (almost 11 metres), according to Muralunique.com.

For the same size, the prices of murals vary between $100 and $1,000 according to the quality of the paper and the glue. Muralunique describes four types.

Canadian Shield rock by Donn Petelka. Muralunique.com
Canadian Shield rock by Donn Petelka. Muralunique.com

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Murale de papier peint New Wave 2015 de Rasch.de

Wallpaper as a work of art

Several factors can increase the value of your home. Investing in real estate is well known. Investing in art is too. But have you ever heard of investing in wallpaper or a wallpaper mural*?

Here and in Europe, artists are constantly reinventing the image of wallpaper and reusable wallpaper murals. Some works have even made their way into museums (Rasch.de).

In Quebec, at Muralunique.com, some thirty artists put their imagination to the service of this art form. For a universe dedicated to childrens’ imaginations, Annie Giroux, Tony Floreani, Birgit Schulz, Ruth Baker, Johanne Pépin have created great murals: a wacky library, a line of sheep with round eyes admiring the baby’s crib, a firehouse, a big wheel race, a hockey locker room, a construction site, a medieval castle, a space city, fantasy trees, enchanted forests, fairy tales, a pirate ship, giant alphabets, etc. Hours of passionate stories to share with children.

Donn Petelka uses a camera to plunge us into the bowels of nature, as shown by the attached photo of the Canadian Shield reproduced on a 15‘ x 9‘ (4.57m x 2.75m) mural. If all of the walls were covered with the Canadian Shield, we would probably feel the freshness of the caves. Continue reading