Lighten Up!

More than ever before, people want to make efficient use of their resources, reckless behaviour costs a lot of money. Whatever your motivation, there are many things that you can do to improve your home and reduce your ecological footprint at the same time.

Often, you may notice that your home is too dark in the evening. Even though you light up all the lamps and put them up at full power, you simply can’t see as well as you’d like. Poor lighting makes you feel sleepy, therefore you have no energy on an evening as well as causing eye strain.

Many individuals as a rule resort to buying bulbs with more output or even more lamps with more bulbs in them. Any new lamp you buy or stronger bulb you put in will have an influence on your pocket as they cost not only to buy, but to run as well.

To make your loft or house lighting more powerful you need to be looking at brightening up your home in other ways. To get the most of your light sources, you can make a small amount of minor alterations to save your dollars and learn how to benefit further from your home.

1. The most straightforward way to freshen up is to paint your property with bright colours. There are are a multitude of paints on the market that range from a dull to a bright colour scheme, even whites have different levels of brightness.

2. Painting may not be for every household or you may not have the time, so if your rooms have dark walls then look at replacing or renovating the furniture so it is a lighter colour. Items with a metallic finish are often useful for a dark room as it has a reflective surface unlike dark wood.

3. Place mirrors in strategic areas around the room or even around the entire building. As mirrors are so reflective they are a brilliant way of reflecting what small amounts of light you do have and give a certain ambience to a room.

4. If you aren’t up for repainting or buying new furniture, maybe you could look for things to clean up or dispose of from your living space. Clutter makes a room seem smaller and darker, keeping a minimalist appearance to a room could also improve its brightness.

5. Sometimes your drapes share a bit of the blame; pale curtains will throw more light back into the room than darker ones.

6. Look at the lighting you already keep in that room, as rearranging these could solve the difficulties, saving you time and money. Direct all bulbs to where you need light most and use existing mirrors and light surfaces to aid you increase the brightness of your room.

Loans For University Students

For over two decades, tuition fees in Canada have been on a rise. Currently, the growth of tuition fees is double the country’s inflation figure, which increases the financial burden of education all of us keen on learning.

Indebting oneself early in life is a serious burden to bring upon oneself. This means that all your outlooks, your future as far as you can see, contain some kind of a debt repayment schedule you must stick to.

The necessity of paying back your liabilities reduces your discretionary income – what’s left in your pocket when you’ve settled all your necessary recurring bills. In the more extreme cases, qualifying for a mortgage sufficient to buy you a worthy apartment or house may be nearly impossible

According to Statistics Canada, it lasts 7.4 years on average to get rid of tuition loans. This is a pretty extensive timespan, and it is only the average, so there are bound to be students who take even longer to do away with this immense weight. Hence, such person can hardly afford a mortgage until she or he is thirty.

Keeping a strong credit rating is thus critical. Stable rating may ensure that higher amount of financing, when asked for going may be obtained on better terms and more easily in general.

Well, you desperately want to become an owner of a real estate property? Mortgage is not that bad, however, since as soon as you’ve moved into your own dwelling, you have no rent any more. In effect, then, your mortgage is actually not that much harder on your budget if you have been renting before. Also, there is no need to purchase life insurance until one has kids or a dependent spouse. Hopefully, the university degree will give the ambitious young person more chances of getting accepted for a more lucrative vocation and let her or him achieve financial self-sufficiency sooner.

Fight In-House Air Pollution Easy And Green

Most people lack knowledge of a crucial fact: the air which stays inside our flats, schools and offices can be highly polluted. This may sound distressing, but no stress – there is a lot of trivial choices to purify the air in your flats.
My clients usually ignore the weight of air cleanness. Homeowners take it for granted that because their flats are clean, their indoor air is hygienic as well. However, light pollutants such as smoke, black mold spores, and skin particles can be extensive in even the cleanest of apartments. There are many air purifiers sold on the market, but if you’d rather go for a ecologic solution, we recommend the following options:

1. Green Plants
All vegetation are capable of expelling harmful particles from in-house atmosphere, test by NASA shows that certain purifying plants are remarkably efficient in expelling toxins and carbon dioxide from the air we breathe. A homeowner should have a purifying plants for every 9 sq m of living area. The more effective the purifying plants, the more air it can clean. The following purifying plants can be found in top: Janet Craig dracaena, English ivy, Australian sword fern, peace lily, rubber plant, and weeping fig.

2. Olatile oils
It was examined that distributing essential oils into the surroundings is one of the best options to sanitize the surroundings we live in. These essential oils boast certain antiseptic characteristics which aid to reduce chemicals and bacteria in the surroundings.

3. Beeswax
Standard paraffin candle sticks are made from petroleum sludge that intoxicates the surroundings every time you burn the candles. Candles made from natural wax, on the other hand, represent a great improvement over crude oil ones: when they are used, they cleanse the surroundings effectively , in the same time offering a wonderful honey odour, a calming and yellow fire. This is a wonderful solution for tall rooms - Toronto condos as an example

Natural wax is the only material able to produce negative ions, that help clean bacteria from the surroundings.

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How Can You Change Your Lifestyle So It Is Nature Friendly?

Everywhere you will overhear individuals talking about going green, what can you do to become more Eco friendly? We may appreciate the idea of saving money, but here are some tips that could save you money, maybe improve your health and be green friendly at the same time.

Donate your old glasses

Supporting many of people around the world with sight problems is as easy and donating your old glasses. According to the World Health Organization, nearly 87% of the world's sight impaired reside in developing countries. Just by giving away one pair of glasses you have helped improve someones life drastically. Old glasses are clearly not the major pollution source, but recycling this item gives you an extra good feeling.

Get a rain barrel

Why use water from in the home, which you are charged for, when there is a brilliant and free resource outdoors - the rain! Have a look around the shops to see a large range of tubs on offer, or be more environmentally friendly and make your own.

Instead of making use of a tumble dryer, let your clothes dry outdoors

Our mothers and grandmothers hung their clothing outside and they didn't have any issues with it. If you hang your clothing out, not only you don't need to pay for electricity to dry it, but your clothes will get the fresh smell of sun and wind, something you can never really get with an electric tool. Do not worry; it will not damage your social stading. Being eco friendly is in – do not feel apologetic, feel pleased instead!

Bathe less frequently, shower instead

Health issues can be exacerbated by bathing and showering too much or for long periods of time; apart from that your bills will rise and heating of water consumes lots of energy. You can drink the water from your taps safely but with the high concentration of chlorine in it, the fumes created when you heat it can have a serious impact on your health. One more brilliant thing to do is to use an attachment on your shower that cuts down the amount of water it lets out.

Share a car ride with some work mates

Car sharing is not a new discussion and it is supported by authorities, but many car owners still don't do it through lack of incentive or knowledge. Unfortunately, as a Toronto condos professional I need to drive a lot. Think about an average car driver, they commute about 100 km a week and approximately 5000 km a year. If you car share, then between you, you would save on approximately 170 litres of fuel and 400 kg of CO2 each year, think about how much you could share if there were 3 or 4 of you in a car. Some company's have a car sharing scheme already in place which is worth checking into, if not try and set one up yourself; ask people to see who would be interested in saving money.

Two of a kind

Year 2010 is gone with the wind, so is the previous decade. But memories remain and turn slowly into history- also the green ones. What were the most important green events of the decade? These two articles are trying to find the answer:

Green Events Over the Past Decade

and

Green Events Over the Past Few Years

Supporting the Needy - From Residences to Lives

We say change is great, well volunteers made a big change; from organising where people live to lives. In 2006 volunteers began aiding the poor after years of owning a company called Artful Organizers, where she was a personal organizer.

The organization is a healthy or wealthy community that is embodied for the rejected and abused. The Sanctuary strives to help and support everyone regardless of the colour of your skin or your faith. The community has members from all walks of life, both sexes and a diverse age group, nobody is excluded. Each year the Sanctuary gives help to thousands of individuals, assisting about 500 different people each week.

An outreach team of 2 volunteers or staff go out into the community providing help and support on an individual's own turf, many who have previously been let down or ignored by others. There is also a drop in centre, a health clinic and rehab provided, the charity believes in helping the entire person, a holistic approach. Another thing the charity does is give employment training, which can only mean more relevant employment for people.

To celebrate Xmas, the Sanctuary has a massive Christmas feast which takes place each year. With Xmas gift bags, a feast, talent shows and a play, this is really a special time for all those involved. Through the warmer months there is a 5k walk and in September the charity puts on a music concert. Whilst donations are wanted, the charity hopes that those that donate will also become involved in other ways. The rich and the poor, the charity want to could the gap. Those that feel that they have no self worth left are helped to see that their life is worth something, thereby giving them back their dignity. To really help these people, time, a feeling of camaraderie and friendship are just a couple of things that make a difference to an individual previously shunned by society.

The charity is not a replacement for social services but an extra service set up to help. Here we have individuals who were living on the street and they are now living in a home. These people could not do it by themselves, therefore the Sanctuary has helped them find a home and furnish it.

To give you an idea on one of the success stories of this mission, is one of a female born in Toronto and grew up there. The foster care system is where this young baby ended up not long after her birth due to horrendous wrongdoings. This poor baby never stood a chance of a nice life when it began with a family member setting fire to her crib. Poor hygiene led to her grandmother seeing her covered in cockroaches. but she was sexually abused. She bounced from foster home to foster home and relationship to relationship, and she was addicted to many things she shouldn't. With support from quite a few people the woman is now moving forward with her life and has been a regular at the sanctuary for 4 years.

Julie Kinnear is GTA MLS professional and volunteering activist.

Articles of the month!

Again, here is the summary of the top articles of previous month! Happy New Year everybody!

Wanting To Move Into A House in Toronto? The fourth part of my series of FAQ for home sellers and home buyers from GTA area. Follow also the second part.

Green lifestyle is my hobby and this article is proof. It summarizes the key green events of the last decade.

Don't forget to visit also my triplet from hubpages: What does MLS stand for? Solar panels - Canadian government grants and Asbestos In Buildings : Are You Endangered?

Key Green Events Of The Few Years

When we talk about events that affect the world we live in, two words are commonly used - green and environmental. Policies and marketing are are deluged with points of sustainability and renewable resources. What are a few of the most important developments, which made green lifestyle a hot topic for politicians, businessmen, scientists, and a high number of the western world citizens?
Compact Fluorescent Light bulbs

A simple green substitute to lighting is the CFL or compact fluorescent lamp, which has been designed to reduce the usage of the old, energy inefficient incandescent bulb. Using less power and having a longer life span while still giving the same light, these bulbs are an alternative bulb source for lots of us. On the other hand, just like all fluorescent lamps, CFLs also include mercury which makes their disposal more complex.
But saying that, they are more environmentally and purse friendly, as they last so much longer; even though the price is somewhat higher, you do not use as many.

Extreme Weather

Extreme Weather is a name for weather incidents that are at the excesses of historical occurrence. Since 2000 many extreme weather occurrences have happened, these natural events starting with a surprising heat wave in Europe in 2003, through to earthquakes across Haiti in 2008. It is accepted that these disasters are only the start of it, with more problems coming our way, though many climatologists can't agree whether mankind is having a negative impact on the world we live in.

Renewable Energy
There are many renewable energy resources around from sunlight to geothermal heat; these resources are naturally occurring therefore the resource is never ending.

Growth of the use of these sources has advanced over the last decade and is the way forward for sustainable development of the future. We can no longer rely on the supplies we have at the moment to generate electricity and need to look in other directions to create it To cut emissions and find long term solutions to the supply, renewable energy is an significant part of our future.

Mexican Gulf Oil Tragedy
It is doubtful many of you will not know about a rather recent disaster, one that is still being felt worldwide - the Mexican Gulf oil spill. At 9:56pm CDT April 20, 2010, a large explosion occurred on the Deepwater Horizon oil platform. Indications that the oil spill was relatively minor were the first reports seen, but later those reports were revised to show that the spill was of immense proportions. The approximate amount of oil lost per day was quadrupled by the end of May, from 5,000 to up to 19,000; the size of the spill was escalating.
We may not hear about problems surrounding oil very often, but they are becoming more frequent, which is unacceptable news. Recent events raised questions once more - are we even capable of underwater oil drilling without threatening the environment substantially?

Becoming green is a matter of one's decision - everybody can decide for unique way. I am trying to be green Toronto condos agent. Can you imagine any solution for you?

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Some Good Articles!

I run through some of my articles posted in other networks from October and November, and realized there are some interesting pieces, so here is my list.

MLS and Regulations: Survey

Big changes in Canadian MLS system don't leave our realtors without reaction.

Chemicals and Cleaning

Using toxic chemicals to clean your home? try it the other way!

FAQ3

The third round of most frequent questions and answers about Toronto real estate. The second set is on Amazines.

Wanting To Move Into A Home in Toronto? - Part 4 of Advice and Questions

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I'm trying to find a for a trustworthy contractor, can you help?

Certainly! Every realtor is always pleased to supply advice. Knowing how hard it is to find a reputable contractor many realtors have put together a list of many professionals who we know will do a fantastic job and who can be trusted. All the contractors & tradespeople have usually undertaken work for the realtor, his/her friends, family members and/or clients, and are highly recommended.

My basement isn't finished, does this mean I can't rent it out? Will I be in breach of any laws if I do decide to go ahead and rent it out?

There are many by-laws in the City of Toronto relevant to retrofit status of a basement space. The fire department recommends many fire codes for basements so that the tenants are secure, so many of the laws are surrounding these. To achieve this status a basement needs to be finished, as a result an unfinished basement would not be approved. You are unlikely to be the only individual in Toronto who is in this situation as there are quite a few basements that do not come up to standard, even the rented ones. I am unaware who reinforces the situation. It may affect you rhome insurance plan as well if there was ever an issue

I recently bought an apartment but am not quite comfortable with my decision. Is there any sort of minimum time I should allow before placing the condominium back on the market?One thing I did manage to find out is the banks policy they do not have problem.

It's not normally a good financial decision to sell your condominium soon after buying it.First off the best advice is not to sell your condo too fast after you paid for it. We appreciate that you are not happy with your new condo, but it really isn't a good idea to sell it so soon after purchasing it. Typically, you should forget about selling for at least 3yrs in order to make some equity If you would like to buy a property as well as sell the one you are in now, the same agent can act on your behalf for both transactions. Sometimes individuals buy directly from a developer so never had an agent, it doesn't mean you have to sell via the developer, you can hire your own realtor.

Do they have right to demand a new management with a petition and a lawyer representing their interests?

If the management isn't living up to their contract and you are an apartment owner, not a tenant, then definitely you do have the right to do this. Every condominium corporation will have a board of directors, you will need to contact them before you do anything else. At this level you may not need to employ a lawyer as the condo corporation have the right to terminate the management company's contract. The condo management will have a contract with the condominium corporation and this could be terminated if they do not live up to their contractual liabilities. Of course, this is not meant to be legal advice.

Questions replied by Houses for sale in Toronto realtor.

Part 3 of Toronto Real Estate - Some Vital Facts

If I change my mind about some elements after I have signed an agreement of purchase & sale, can I still modify anything?

That depends on what you have signed! If the firm (no conditions) offer has been accepted by the seller, and is not a special circumstance (as in with new apartment construction for example, where you may be granted a cooling-off period) you can try to discuss changes with the sellers. The law is on the side of the person selling if your agreement hasn't been accepted with provisions to modify. In the long run both of your lawyers may have to be involved. Subsequently your retainer, legal costs and the like are at stake if both parties cannot agree.

For Bloor West Village, how much more do houses with finished basements sell for compared to houses with an unfinished or partially finished basements.

Good question - that is of course based on a lot of different situations. As a finished basement can range from dug out professionally carried out, with bathroom, perhaps a kitchen, fully wired for sound/stereo, spacious laundry, bedroom and separate side entrance, all the way to an old panelled room that is low ceiling height, potentially damp etc. Obviously any finished basement is going to be of benefit to a possible buyer, this village is a family neighbourhood and having that extra space is certainly a plus point. As previously pointed out, there are many variables and degrees of quality in a finished basement therefore its not possible to pre-empt the cash advantages.

I've heard there are different sorts of parking in relation to condominiums, what are they?
You can buy a parking space along with or completely separately from your apartment unit or even a property purchase, this is classed as owned parking. Subsequently once you own it, then with the majority of things you buy, it is yours to do with what you want. When you buy and sometimes rent a condo, there is frequently parking reserved for your use only while you own or rent it and is classed as exclusive parking If there is no exclusive parking for your unit or you can't buy parking, it may be possible to rent space; your property manager should have the details on this facility. Some lofts in Toronto are famous because of potential troubles with parking pads

What would 80,000 is money give me in the GTA area?

A mortgage expert will be able to help you sort out what you can afford if you are using the cash as a down payment on a property. There are lots of mortgage brokers in Toronto, but if you contact us via e-mail then we would be pleased to pass on some recommendations to you.

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Renting Condo? Questions and Answers

• Can I evict the tenants that came with the house I purchased, and get my own tenants in there?

The agreed notice to relinquish the tenanted area must be given to your tenants under the Tenant's Protection Act, so the answer is 'no', you can't just evict them. Seek legal advice if your tenants refuse to move out, a tenant does not necessarily have to vacate the property if they do not wish to. There are exceptions to this: If you own the property and your immediate family is going to move into the tenanted space, then once the correct period of notice has expired, the tenant must leave.

• Am I able to lease out my finished basement?
As with leasing out any type of real estate there are items that must be complied with. Before putting up the For Rent sign, it would be in your interest to check that the basement apartment complies with the Ontario Building Code, Ontario Fire Code, local Zoning By-laws, and other applicable regulations. That will give you the real scoop on what reno's could need to be finished (such as putting in another exit) to bring your finished basement into compliance as a secondary unit.

• There is a difference between my occupancy date and my registration date, please explain why is this?
If you are acquiring a newly built condos or Lofts in Toronto, then occupancy fees become your responsibility from the occupancy date, even if you haven't moved in yet. There comes a point when the unit is livable even if you haven't moved in and regardless of whether those finishes you requested are carried out. The registration date is relevant to the date the condo build is completely registered and closed and the condo is yours legally to do with as you please.
• What is a reserve fund?

Repairs have to be made to community areas of a condo building from time to time, the reserve fund which is legally set aside, is for this eventuality. Money is added to it each time you make a payment for your monthly maintenance charge, though if large repairs are needed this money can disappear fast.
• If things breaks in my condo, do I have to mend it or does the condo corporation take care of it?

Your condo is regarded as your effects - one of the benefits of ownership! As a result if something is broken, then it is up to you to fix it. Repairs outside the condo and general maintenance like cleaning of hallways etc. are covered in your monthly maintenance fees.

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Part 1: You and Your Toronto Real Estate

Can you tell me what is a building permit, and when do I need to be given a building permit?

The City of Toronto may need to give you formal authorization, a building permit, before you can make a start work on your house, which includes construction, demolition, additions or renovations. There are quite a few rules that your plans must comply too, they also include the Ontario Building Code and local Zoning By-laws. There are quite a few instances when you will need one, here are some of them: Assemble a new building or put on an extension, make structural alterations, some reno's, demolish or remove all or a portion of a building, change a building's use, install, change, or remove partitions and load bearing walls, make new openings for, or change the size of, doors and windows, construct a garage, balcony or deck, excavate a basement or construct a foundation, install or alter heating, plumbing or air-conditioning systems, install or reconstruct chimneys or fireplaces or wood burning stoves, create a new basement entrance or second suite the list goes on.

Why is my insurance firm asking so many questions about the property I bought, can my realtor tell me why they want to know?

When you buy a house, your insurance company will need to know things such as how big an area your building takes up, any updates to the systems in your house such as roofing, the material used to build the home, plus many other things. The best people to answer these questions are the people selling the property, we can contact their listing agent on your behalf if you would like us to. Exact records are not always available but an insurance business will sometimes accept the approximate price and date these changes occurred.
When looking at purchasing a property, which is the better investment, a house or a condominium?
We specialize on Toronto houses for sale but I can tell you that this all depends on your personal situation, how you visualize the future and what you are expecting out of the opportunity. For example, a house might provide the opportunity to live in while renting out, while a well-located condo pays for itself (given average Toronto rental prices) while appreciating more slowly. We will analyze your own unique situation to help you decide!

Why do prices for the same sort of unit alter so much in the same block?

By installing an upgraded kitchen or bathroom, wanting a parking space, how the condo is finished all add to and are reflected in the price. Also, the higher the floor in the building, the larger the price (ie penthouse suites can sell for a lot more than ground floor suites). Finally, remember that list price - asking price - is not always the same as what the apartments will actually sell for!

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Are the Proposed Changes to the Property Industry a Positive Move?

A poll says Canadian property agents are not in favour of deregulation. Many of 1,726 real estate agents polled by Royal LePage Real Estate Services believes the proposed changes to MLS represent a wrong way to improve the real estate industry.

The debate concerns for the most part the extent, to which the MLS listings should be administered only by accredited specialists. The overall belief amongst agents is that customer service and safeguards set up to protect a customer, are going to drop if there is an influx of amateur service providers. The housing market is already highly competitive according to most agents, with less than 2% replying there was no competition, within the housing brokerage market.

The survey also tried to find in what way real estate specialists help buyers and sellers in completing their transactions. There were many options given, but the essential three considerations were: Optimizing and protecting client's monetary well-being, completing the transaction in a timely manner and providing the full package of brokerage services. Barely 0.6% of polled professionals said, they never helped a client avoid financial or transactional problems. 51.4% declared they did so very 'often' and 37.1% 'often'. When looking at the market side of their responsibilities, the survey showed that realtors were out there in this area. Toronto MLS, open home, local advertising and own websites were frequently used by more than three quarters of of those polled.
Membership of Royal LePage for an average of 15 years was a frequent answer when realtors were directed to answer questions on professional development, along with visiting formal courses and seminars up to four times per year.

The Royal LePage Real Estate Advisors Survey was administered online in April 2010 and can be seen on the official website.

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Toronto Needs to Put the Effort into Being Greener

A new chart has been printed by Mercer Consulting when it released its annual Quality of Living statement, called the Eco-City Ranking. While Toronto was positioned at a solid 16th place in the world and in third place in North America, in terms of regular quality of living, our position in the Eco-City chart is not so good.

The chart is worked on a number of factors such as water availability, how good the sewage systems are and air pollution. To sum up, if your city creates large amounts of pollution and doesn't use its renewable resources then it's not going to rank very highly. Industrial cities such as Pittsburgh and Düsseldorf beat Toronto, which only saw a rank of 39, not good news.

Narrowing the figures down somewhat, Toronto only came in 11th when linking it to the North American cities. Our Canadian cities do however score extremely well - Ottawa was in joint place for 3rd along with Helsinki, Honolulo 2nd and first place goes to Canada with Calgary being named the highest eco-friendly city. Montreal and Vancouver also did well for Canada, ranking a joint 13 in the eco-city article.

When looking at the overall figures from the article, Toronto came in at 16, which doesn't seem too unsatisfactory, but we need to be aware of our eco responsibilities. "A city’s eco-status or attitude toward sustainability can have significant impact on the quality of living of its inhabitants", was the points made by a senior researcher at Mercer and that's what we want to be looking at.

What we need to think about is, our environmental quality of life will influence us right now and in the long term.

Julie Kinnear has been local eco activist and a MLS listings Toronto realtor

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Green Toronto Award Goes to the Best Innovators in the GTA

Green Innovators Awards content knows its three prizewinners. At the Green Living Show held at the Direct Energy Centre, Exhibiton Place, the mayor, deputy mayor and CityNews meteorologist reported the prizewinners of this esteemed award on April 23. Each of them were handed the prestigious Green Toronto Award and they will split a $50,000 prize.

The young scientists aim to support the environment, the prize money is just a bonus. All the finalists presented interesting green solutions and improvements. Since the idea was to show real resolutions, most of the projects were affordable and easily applicable, so one day you may see them applied also in your neighbourhood, or in your own home.

Here are the top three prize winners:

• Olivier Trescases, PhD and Chris Lea, with Green Gym: A gym built to use energy from exercise equipment; and send it to the grid.
• Sarah Lazarovic and her concept GreenHouseTO; Not just for architects but for everyday individuals comes a web and mobile renovation application that is for Toronto buildings.
• Robert Kori Golding, for his concept My Green City: For people that enjoy gaming on the iPhone or Facebook Construct a virtual town on these applications/games and claim reward points to use on your town by helping the environment.

So the prizewinner is GREEN!

As well as Green Innovation Awards there were 9 Green Toronto Awards handed out: for Community Projects Award, Energy Conservation Award, Environmental Awareness Award and another six. Charities also won, as all finalists were awarded a prize of $5,000 each to share with a charity of their choice.

Article delivered by Julie Kinnear, Royal LePage Toronto

The green real estate: What is keeping it back?

Developers would like to see green property projects jump rapidly. While they are moving forward very fast, appraisals are not keeping in line with this fast growing industry. Take a house that would typically cost half a million dollars to assemble. You decide that you want the house to be more environmentally friendly, therefore you ask your architect to design the new property so it takes advantage of the sunshine and you put in high quality insulations and solar panels. Due to these green choices, this will add another $100,000 to the cost of the building.

Unfortunately this is not how your bank or mortgage appraiser values it. It doesn't do a lot of good to solely add value based on cost, but the question is, How much will the market pay on resale?' says David Snook, an appraiser and representative of the real property committee on education for the American Society of Appraisers.

Shall we finish with our example? Your bank or mortgage lender will only accept a $550,000 price. Therefore you would need to look for an additional $50,000 as a down payment. With a high-ratio mortgage 5% down payment, you will need $77,500 instead of $27,500. That is a large increase particularly if you are on a budget and every cent matters. This might force you to search for the cheapest green option, using older and cheaper technologies, or maybe you will forget about the whole green idea of the project altogether.

However, as a green MLS GTA agent I realize even though there is a rise in cost going green does make a difference Look at it this way, green real estate sell over 20% more rapidly with an 8.5% increase on price, according to Green Work Realty report. This information doesn't help you though if you are dealing with bank or mortgage business appraisers who don't have much if any experience with the green property technology.

There is not much that can be done about it right now . While there is no standardization for environmental and energy efficiency at this time, I think that they will soon be on their way. Green real estate is about cost as well as the all important environment. When looking at purchasing a motor car, one of the first things you look at is its fuel consumption, how many miles to the gallon does it do. Making sense of home energy consumption is the natural next step.

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Weed Businesses Found - Toronto Sales Rep Put in Jail

As with all careers, sometimes you find that this is not for you and start looking out for for another occupation. In many of the properties he rented, Phu Nhi Trac decided to do just this, and started another job. This was no regular gardening pastime, but the biggest illegal marijuana operation in Canada.

With entry refused to her own house, a landlady took matters into her own hands and turned up at the rented house and blew the whistle on Trac's illegal farms. It was entirely empty, except of a collection of hoses leading to the basement, which was turned into a weed jungle. The owner expressed how distressed she was to find the illegal goings on in her property. No surprise there.

Just less than 30,000 plants were seized totalling $30 million when the police uncovered the other 53 businesses. Mr Trac was a managing head of a small group (including another real estate agent), which used fake IDs to swindle more than fifty house owners during years 2000-2002. And he was a skillful manager ? he was well informed about the growing process, studied the market prices and even tried to find franchises for his criminal activity.

Mr Trac, who's real estate license with Living Realty until it was cancelled last year, was sentenced to 14 years; with some terms to be served simultaneously it means he will spend 5 years behind bars. He didn't just get away with a jail sentence, he also was handed out a $1 million fine, which will make a big hollow in his wallet.

Eric Chan, ex-president of Living Realty, said Trac "never had any concern with his honesty and integrity and had won a important award for top producer of the branch office in the industrial commercial investment sector?.

Well, we have always encouraged you to take the process of picking an agent seriously. This type of issue is very uncommon and I would like to add gardening is not a regular hobby for a real estate agent in Toronto.

Cleaning Without Chemicals

After the holiday season your property will most likely need a thorough clean to bring it back to good condition. With many expensive cleaning items on the market or the choice of a professional cleaning service, this job could be expensive. On the other hand, if you are one of those groups of people who'd want to do it themselves, here is an alternative for you. Natural or homemade products offer a choice of benefits, including hardly any health risks, lower costs, and yet another opportunity to go green. The largest worries are germ control and cleansing effectiveness, which can be accomplished without toxic chemicals. Here are a few ways on how to clean up without chemicals (or, at least to reduce their use in your home). Julie Kinnear, Toronto MLS expert famous for her green approach, will share few tips with you!

First Job: Microwave

Don't just fixate on the outside of your appliances, food debris gets left inside the microwave causing nasty smells and a hard to clean surface. Slice lemons and oranges and deposit them in a dish of water before placing them inside the microwave - a tip from hygiene experts from Britain. Cook on full power for about 5 minutes before wiping clean with a soft cloth or sponge and you will notice how easy the debris wipes away due to the steam made. (The oranges absorb the grease while the lemon eliminates odours) Water from a damp cloth will give off steam if the dish and citrus fruit method can't be done - a note for safety: always use a damp cloth as dry cloth could cause a fire. The item of cloth needs to be left in the microwave for a few minutes for the greatest result.

How to Wash your Fridge

To get rid of food spillage and other blemishes in your fridge, simply use soapy water including very little soap). Using an old toothbrush with some of your everyday toothpaste, clean in the corners and those little spaces that are hard to get to. Turn off your freezer if that needs cleaning out and place a bowl of hot water inside, this creates heat which helps the ice thaw. Once the ice has melted use some lemon water to clean and freshen the inside of your freezer.

Cleaning the Top of your Kitchen Cooker Thoroughly

Owning glass-ceramic or induction cookers means you need to pay particular attention to your cleaning methods due to the fact these products can be grazed easily. Day to day cleaning of your cooker, by wiping of any spills and marks to stop build up of stubborn marks should be an important part of cleaning your cooker. Nevertheless, if there are any food spillages or you can't get rid of the greasy film, use a mixture of baking soda and water and a plastic scrub brush to lightly scrub the top clean.

Scrubbing the Oven

I bet like most people you don't enjoy scrubbing your oven. If you aren't fortunate enough to own a self-cleaning one, the task is not fun. With quite a few ways and means of completing the job, it can be quite effortless. One of the simplest mixes that you can make up at home that really does the job is: Mix 5 tbsp of baking soda, 3 drops of liquid soap, and 4 tbsp of white vinegar into a heavy paste. Using a sponge to scour, apply the mix to the surfaces of your oven. Then, just wipe the whole oven clean, rinse it out thoroughly, and let it dry. Half a cup of ammonia left in a closed oven overnight is another accepted cleaning method. Dispose of the ammonia in the morning and sponge the surfaces down with a wet cloth to see the outcome of your work.

How to Make Black Mold Vanish

Many houses across the country including Toronto are finding that with the onset on Autumn and more moisture in the air, those horrible mold stains are returning. Mold and spotless houses are normal, don't think that mold says you have a grimy home. Items break or crack in a home and they are not always noticed immediately. That’s usually when mildew crawls into your beautiful home, unseen, until you either discover the well-known displeasing smell or you spot the atrocious growing stains. For some homes, mold is an ongoing problem in rooms like kitchens or bathrooms due to the increased moisture and humidity in these areas. Whether the mold is seasonal or year round the answer to the problem is totally the same.

Do you employ experts or undertake the DIY method?

Of course there are masses of companies out there that would gladly solve this problem for you, but since many people think twice before paying out money on work they can do themselves, here’s some DIY, eco-friendly solutions. Having said that, should you discover that the area affected by mold is rather big (ie over 10 sq ft or so), calling a professional would be a good idea.

Be aware of safety before you try to solve the problem

Even though most species of mold are harmless to humans, there are certain types (like black mold) that are rather toxic. So before you embark on any sanitation, arm yourself with a pair of hefty rubber gloves and an N95 respirator. If you want to be extra careful, you could acquire a test kit from a hardware shop and send a sample of the mold to a lab. If a member of your household has an allergy or respiratory problems then this kit would help you decide which option you pick.

Eco-Friendly Detergents

For cost effectiveness, environmentally friendly and availability, white vinegar comes the best for dealing with mold. Just like it will drive away ants (as we recently reported in the first issue of Toronto homeowner’s guide), it will not only obliterate the fungi, but also bacteria; it will even dissolve lime scale. While there is always expensive anti-fungal solutions on your supermarket shelf, distilled white vinegar is totally bio-degradable.

Extermination and Prevention

Mold and its removal requires more than a single treatment. The space the mold has developed must be carefully cleaned. Then it is imperative to make the rooms in your home less mold-friendly. When cleaning hard surfaces such as tile or ceramic, linoleum, tile grout, or plastic such as shower curtains, wet the effected area so that the spores don’t become airborne, then simply give it a good scour with a cleaner of your choice. Once you have finished cleaning, totally dry the space.

It is nearly impossible and at best extremely difficult to erase surfaces that are porous of mold. We would advise you throw away these items and purchase new ones. To stop mold returning is a fairly simple thing to do. Try to rid your home of the situations where mold breeds, such as leaky water pipes; also keep a watch on the humidity in your home with a hygrometer so you can take preventative action if it gets too high. Airing rooms often is a very simple step and one that doesn't cost you any effort. Keeping the humidity to less than 60% helps obstruct mold returning. In hot weather humidity increases, so invest in a good air conditioner, if it has filters, as these are a breeding ground for mold, make sure they are regularly cleaned. For colder months, you might need to invest in a dehumidifier. Best of luck, and here's to a mold free house.

Picture by checoo.