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Thursday, July 27

RETIREMENT - What to do when your 5yrs away

 Amanda Reaume

Tick. Tock. The clock is counting down - but are you ready? Here are 5 things you should be doing now.
You might be counting down the months, the weeks or even the days before your retirement, but are you preparing for it? Retirement can be an exciting time and you can make the most of yours by being ready for the financial and personal changes involved.
Retirement is a major life change, so it may take time to figure out your new life and adjust to the financial shifts that take place. By preparing early, you can ease into your retirement lifestyle and focus on making the most of your new life.
Here are some things to consider doing in the five years before you retire in order to be both financially and personally ready.

1. Practice Living on Less

Depending on how much you’ve saved, practicing living on less could prepare you for retired life; however, decreasing your spending now may also help add to your retirement savings. Now is a great time to get a better understanding of your retirement needs. For example, if you find you want more financial flexibility, you might consider working part-time to add to your savings. Knowing this before you retire can help you adjust your plans today.

2. Review Your Debt

More people are headed into retirement with debt these days, so you’re not alone if you expect to still be paying off debt once you’re retired. Look at what you currently owe so that you can figure out which debt you want to tackle before retirement and which you might wait to pay off afterwards. Focus on paying off high-interest debt first or consolidating your debt to save on interest. This can help ensure your fixed income goes further.

3. Plan for Fun

You may have been thinking about your retirement for a long time and now is the time to make some big plans. Start planning vacations you might take in the first couple years. Revisit old hobbies. Make a list of places you want to volunteer or classes you want to take. By planning how you’ll spend your days you are more likely to finally learn how to speak Spanish and make sushi!

4. Think About Your Relationships

Your life changes when you retire and so can your relationships. If you’re married, that will mean spending a lot more time with your spouse and potentially shifting your household responsibilities. Talk through these changes with your partner to make sure you’ll be able to handle them in ways that ensure you’ll grow closer together.
You’ll also want to continue to cultivate old and new relationships to help make up for the social interaction that you used to get at work. Make frequent plans with friends and family or get out and meet new people. To expand your social network, join clubs or go to Meetup events in your community where you can connect with people with similar interests.

5. Talk with Your Advisors

Schedule regular check-ins with your network of financial advisors, such as your financial planner, lawyer, and accountant, to ensure you’re still on track to live the retirement lifestyle you’ve dreamed and planned for.

Get Ready For Your Best Years

Retirement is just the start of your next adventure! Whether you’re planning on spending your future free time hiking the Pacific Coast Trail or playing with your grand-kids as much as possible, by preparing for retirement you can be ready to make the most of all of your work-free days.

www.teambluesky.ca

Monday, July 24

Yard Maintenance Myths


 



It’s beginning to look a lot like a hot, sizzling summer. For those of you raring to get some yard work done, here are some good-to-know facts (and some maintenance myths) before you snap on those gardening gloves.

Dog pee makes your grass lush

Myth
Man’s best friend is not really a fertiliser provider. I have spoken to some homeowners, proud of their lush green blades, bristling bright and dewy in the morning sun, smooth as silk when walked upon barefoot and they are all too glad to share their secret recipe: “we let Murphy pee around the yard once in awhile. It’s great for the grass!”
NOT! Notice those bald spots on that otherwise green vista that is your backyard? Literally termed turf injury or turf death by landscapers, the spots are caused by the nitrogen-containing compounds present in dog urine. Homeowners are thrown by the fact that sometimes there is a rapid growth of tufts of grass where turf injury occurs, but close inspection will reveal that the tufts actually form a ring around a brown, dried out spot.
Other myths birthed from this one are that sprinkling some baking soda or pouring diluted dishwashing liquid over the affected area magically transforms it. Not true. Nothing works except good old water. Keep watering the affected area AND train that pup already!
The best way to avoid urine spots is to have your canine do his business over some gravel or mulched area in your yard and keep your yard hydrated.

Your yard needs a weekly cut

Not a myth
The argument is “How can it hurt”- letting the grass go uncut for a couple of weeks can’t harm the yard too much, can it? In fact, letting the grass grow beyond a week without a trim makes the quality of the grass stringy and limp.
You want your grass to be substantial and luxuriant. If you let your grass grow too long, chances are that when you do actually cut, you might cut too much. This opens up your lawn to all sorts of weed damage or various diseases affecting grass owing to a piece of the leaf being removed-the surface determines the plant’s food production during photosynthesis. Removing too much of the leaf surface affects root growth, draws on stored energy in the roots and essentially starves the grass. So if you want that lovely golf course grass, don’t mow once but TWICE a week!

Watering by hand is more effective

Not a myth
There is such a thing as too much water for your yard. For starters, your fertilizer may get washed away, so that’s a waste and your plants will suffer. Too much water will also cause your grass to grow at a faster rate than usual which leads to the danger of scalping (cutting your grass so low that you expose the stems of the grass blades) which causes weed growth, disease and generally lacklustre grass.
The stores are choc a bloc with sprinklers, irrigation systems and moisture meters that can help you with your watering problem but why not save a chunk of change and hand water your lawn with a simple garden hose fitted with a good quality nozzle!
And to bust another myth, using automated irrigation systems doesn’t actually help conserve water. These systems are usually water your yard every few days and some yards don’t even need that much water-especially this year when regular and consistent rain has pretty much ensured that you don’t need to turn that tap on.
If you are a seasoned gardener and know how much water each of your plants need (stores like Home Depot and Terra have exhaustive guides about quantity and time of watering), then the best non-wasteful way of hydrating your lawn is the thumb-over-hose technique where you can control the amount you spend.
Did you know that potted plants need specific amounts of water as do shrubs and flowering plants? Mature trees don’t even need too much water. Plus watering them by hand gives you a sense of ownership, not to mention the therapeutic benefits of being one with your flowers and trees while taking in the outdoors.

Your bee-friendly garden is harmless

Myth
Yes, they need us and we must do our part in increasing their tribe. The majority of Canadian bees (over 800 species!) come in a wide variety of colours and do not sting. Moreover, species like the bumblebee for example who are ground nesters pollinate tomato plants and other ground nesters like orchard or leaf-cutter bees help improve the quality of the soil with their burrowing action which in turn helps the water churn around in the soil and mix up all the nutrients. They are making our yards healthier and in turn we build them bee baths, make colourful houses to attract them and plant plants like lavender, crocus and foxglove to feed them nectar – their favourite food.
But scientists have raised the red flag when it comes to picking up plants from your local retailer who may or may not be using harmful pesticides on their plants. A couple of years ago, bee-friendly plants from popular home stores across the U.S. and Canada were found to have a dangerously high amount of neonicotinoids which are toxic for bees and other pollinators. study released in 2014 by Friends of the Earth Canada showed that over 60 percent of “bee-friendly” home garden plants sold at garden centers had been pre-treated with neonicotinoids (neonics) pesticides shown to harm and kill bees.
The best way to get around this problem is to buy organic plants and to get pesticide-free flowers is to do your research. There are bee-friendly nurseries and seed companies in every major city in Canada and if you are willing to make that extra effort to source out these plants, the bees will thank you for it. So will your yard.

Clovers are bad for your yard

Myth
See those clusters of clover that spring up between your shrubs and sometimes pat in the middle of your perfectly manicured grass? Turns out they’re good for your yard!
Despite the fact that a lot of weed killers in the market are designed to kill these clovers, they actually are a good weed. They supply nitrogen to the soil (and therefore act as a natural fertilizer) and the pretty white flowers that sprout from them attract insects and help in pollination. Also, when large swathes of your yard tend to dry up and go brown while being knackered by the sun on especially hot days, the clover remains green and lush. And remember our problem with dog urine on our grass? No effect on clovers. Win!
Other weeds that are not so great for the yard and have quite the ominous names include the Dodder (also known as the strangler for its ability to curl around adjacent plants and squeeze the life out of them), ragweed (the source of most annoying allergies) and bindweed (you need to pour boiling water on this one to kill it!) among others. The clover sounds pretty sweet right about now, doesn’t it!
Maintaining a flourishing and Sylvan yard looks complicated but it is achievable. All it needs is the right set of tools, an environmentally friendly mindset and some dedicated research. Do you have a lesser-known tip that has worked wonders for your yard? Share the bounty!

www.teambluesky.ca

Thursday, July 20

How to keep your Contractor Happy

Jessica Greaves - Homestars



If you’re about to start a new renovation project, you probably have a lot of questions you would like to ask your contractor but might not feel comfortable asking yet. Like any relationship, you want to ensure you and your contractor are getting what you both need out of it, and ideally, you’re both happy at the end of the day.
We spoke with Gordon from Swift Renos Inc. and Aaron of Future Perfect Construction to ask them the questions you might not be ready to ask yet and find out the best things you can do to keep your contractor happy.

How should I prepare my home before the crew arrives?

Gordon says no special preparation is needed, but it’s a good idea to move any furniture that might obstruct the crew. Don’t worry about picking up, contractors won’t mind the usual household mess as long as they can easily get to the area they’re working in.
Aaron points out that your contract should state that the crew working in the home will use drop cloths and protection materials. He also recommends removing items you don’t want to be damaged, just in case an accident happens. That means you should probably move anything breakable or family heirlooms into a room that isn’t being worked on.

Should I be home during the job or will I get in the way?

The short answer is that it depends on the size and scale of the renovation or project. Aaron and Gordon agree that if it’s a substantial reno then it’s always best that the house is free of people and pets. You definitely don’t want to be hanging out while walls are being torn down.
Aaron adds that there are times when the water or electricity may need to be shut off so access to lights and bathrooms may be limited. That being said, as long as the site is safe and nothing is interfering with the project, there is usually no preference. For homeowners who may be on shift work, providing a schedule for the contractor would be helpful.

What should I do with my pets during the renovation?

You definitely want to make sure your pets are out of the way during any kind of home renovation. Gordon points out that the crew will most likely be using power tools and these are not safe for animals to be around. Another thing to think about is that some members of the crew might be allergic to your pets or even be afraid of them. For the safety of everyone, keep your pets in a room that isn’t being worked on or take them with you when you leave for the day.
Aaron suggests that if you have a regular dog walker that comes to the house to get your pet, make sure that schedule is relayed to the crew so they know to expect someone and can plan their work schedule accordingly.

How often can I ask for updates before it becomes annoying?

Gordon: We typically ask homeowners to come to every stage of the project just to make sure everything is placed properly how they wanted, even more so if there are any special requests. The bigger the project, the more involved you will be. For major renovations, we usually update on a 3-4 week basis, and on smaller ones every couple of days. The best way is to call and set up a site visit.
Aaron: We use a project management app that the homeowner can download. It allows them to access everything including scheduling, financials, change orders and communication with the crews. During the project, it is best to have scheduled walk-throughs at specific milestones. It is always ok to ask questions throughout the renovation, but it should be noted that unfinished work is exactly that — unfinished.

What can I do to make the crew feel comfortable? Should I offer them snacks and drinks?

Aaron and Gordon agree that no special treatment is necessary, but being friendly and polite is always appreciated. Treat the crew like you would treat house guests. Welcome them in and show them around, but ultimately let them get down to work.
When it comes to snacks and drinks, while they’re very much appreciated they are not necessary. While most of the crew will bring their own lunch or pick something up, coffee is always accepted with pleasure! While you might think offering a beer is an especially nice treat, they will not be accepted.

Is there anything else I can do to make the job easier for the crew?

Gordon reminds us that every change made during the project will cause more time and/or money. “We currently have a project which had completed drywall and then homeowner changed his mind he wanted to place pot lights, so we had to take down drywall and redo entire ceiling. That kind of things always takes time and costs more at the end.”
Aaron recommends preparing a wish list of renovation requirements. Having something on paper makes it easier to talk about specific items during the initial site visit. Where possible, it is good to have a sketch or set of official drawings. Even just some photos from the internet can help with the project vision.



www.teambluesky.ca

Tuesday, July 4

JULY To-Do List

Laura Gaskill

Parades and fireworks and clambakes. With summer in full swing, the month of July can seem to zip by. Make the most of your month with these 14 to-dos, covering everything from weekend guests to flag etiquette.