Renewing your mortgage?

Renewing your mortgage is an important step, and you should never underestimate the financial impact. Angela Iermieri, a financial planner with Desjardins Group, has a few ideas.

What’s right for you right now?

“Our financial, personal or professional situation often changes,” she says. “If your salary went up, you’re thinking about selling your home in the near future or you want to remodel your kitchen, this new information will have a significant impact on the type of mortgage that will be right for you.”

You also need to consider other factors, like current interest rates and how well you tolerate fluctuations.

Your personal finance advisor will take this information into account when recommending a personalized solution for you. Continue reading

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Count on Trees to Protect You Against Heat Waves

This hot summer we’re having will surely repeat itself in the years to come due to global warming. What are your biggest allies to protect you against heat waves? The trees. Let’s think long term now.

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Planting trees in your yard can help mitigate against rapid climate change. In addition, your quality of life will improve tremendously, and your property’s value will increase. Here are interesting facts about nature to help convince you. Continue reading

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Building a Water Feature

Amid this lingering heatwave, simply looking at a freshwater feature in the backyard is a visual delight. Dipping your toes and listening to the sound of the water trickling is even more enjoyable. Here are a few tips on how to build a cool summer refuge.

Begin by digging a hole until you reach the target depth, following the manufacturer’s instructions, then cover the bottom with a 3-5 cm layer of sand. Make sure you take the time to remove anything that may damage the water basin first, like rocks, roots, buried pieces of wood, etc. Continue reading

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Let’s Decorate the Backyard!

A well-designed backyard is so inviting! You’ll want to spend hours outside. Are you looking for ideas? Here’s a list of decorative details that will make your recreational space the ideal place to enjoy life.

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Trees are the focal point of any outdoor design. Choose your tree species carefully because they don’t offer the same decorative potential. The tortured trunk of an oak tree, the slender trunk of a poplar tree and the drooping branches of a weeping willow tree look nothing alike. If there’s already a tree in your backyard, why not plant flowers around it? A sober tree emerging from a super colourful floral design always looks stunning. A paved circle or one made of small stones will serve as a place to linger. Use plants of your choice to form a second circle around it and place a bench somewhere in the midst of it all.

You’ll only need a few shrubs to provide depth in the backyard. A tiny woodland allows you to create a clearing to welcome guests in a setting decorated to your taste. Continue reading