[caption id="attachment_309" align="alignleft" width="383"] Source: iStockphoto LP[/caption]

For three years now journalists and economists have been warning us: “Watch out, interest rates are going to go up!” And then the rates stay down. Because they keep crying wolf, we don’t listen anymore—and that’s where the danger lies. One fine day, the rates are going to start rising and for some of us, it’ll be too late.

That’s the message from the Financial Consumer Agency of Canada (FCAC).

“While interest rates are now at all-time lows in Canada, it is likely that they will rise sometime in the future. Canadians need to look at how much debt they are carrying, particularly in the amount of their mortgages, home equity lines of credit, personal lines of credit and variable-rate personal loans,” says FCAC Commissioner Ursula Menke. “By doing a debt check-up, consumers can take a close look at their present debt burden and think about whether they would be able to handle it if their payments increase.”[……]

Read more

Will it open or not? And if it opens, will we see a ray of light rising to the sky? Unless of course it takes the opposite route, from the heavens to the interior of the building.

Light or not, you feel like something’s about to happen, that the building’s alive, that you’re going to make contact. No, it’s not a spaceship; it’s infinitely more poetic.

[caption id="attachment_310" align="aligncenter" width="420" caption="Source: iStockphoto LP"][/caption]

We are at the Lotus Temple in New Delhi, the capital of India. The temple belongs to the Baha’i community and its real name is the Baha’i House of Worship.[……]

Read more

Planning the steps to renovate a kitchen is an excellent strategy to prevent your experience from turning into a nightmare.

Deciding on the amount to invest is the very first step. It enables you to determine the scale of the project.

From the very beginning, one question must be asked: Do you start from scratch or not? Do you get rid of absolutely everything or not?

The right professional help is always advised. Do you know what kitchen designers can do for you?

[caption id="attachment_312" align="aligncenter" width="424" caption="Source: iStockphoto LP"][/caption]


Read more