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Calgary Winter Spring 2018.indd 1 

2018-02-01 12:00:15 PM

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REAL HOME ADVICE 2 


2018-02-01 12:00:16 PM

Published by: 

Home Advice Ltd. 

We at Real Home Advice welcome your comments, 

suggestions, and opinions. There are several ways to reach 

us and we assure you, we will respond in a prompt fashion. 

#207 12907 - 97 St. Edmonton, AB T5E-4C1 

Phone: 780-406-6441 

Fax: 780-406-6443 

General Email: contact@realhomeadvice.ca 

Ad Material: adcopy@realhomeadvice.ca 

Real Home Advice 

@RealHomeAdvice 

When requiring services, whether it be a realtors, builders, 

contractors or more, we ask that you remember the businesses 

featured in this publication are the best in the industry. 

All rights reserved by Real Home Advice. Reproduction or 

transmission of all or any part of this publication by any 

means is strictly forbidden without the prior written consent 

of Real Home Advice. Although great detail and attention is 

taken to avoid any ad copy or editorial errors, any errors or 

omissions on the part of the publisher are limited and dealt 

with solely by printing a letter of retraction and/ or correction 

in the following edition. 

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2018-02-01 12:00:16 PM

Winter Garden 

Preparation 

Viruses, bacteria, and insect larvae 

in the soil can be detrimental if not 

cleared away properly. Pull out weeds 

that have sprung up at the end of 

summer, and add them along with 

other vegetation from your beds and 

leaf raking to your compost heap. 

All cut plant material that is diseased 

or questionable must be discarded 

and not added into the 

compost pile. Divide up 

the summer plants from 

the spring plants. Perennials 

can be cut back to 

soil level. Rake the beds 

clean for further smaller 

weeds and plant debris 

like roots. 

Autumn is a good time to plant your 

spring bulbs. Place them into the 

ground while temperatures are still 

warm and the ground soft. You can 

also plant bright mums for those 

wonderful bright fall colours. 

Organic matter is beneficial as an insulator 

as it protects perennial roots, 

plants and the soil. Adding material to 

your beds provides the richest mulch 

when spring eventually comes along. 

Natural mulch will include all your 

grass trimmings, fallen leaves and 

other organic materials. 

Make sure to add a good 3 to 6 inches 

of mulch over your beds. Screen 

Fall is the time of year where your flower and vegetable 

gardens require most of your attention. It’s important to 

ensure all beds are cleared as much as possible of old, 

decaying organic debris. 

young evergreens with burlap 

wrapped around the trees to protect 

them from harsh cold winds. Collect 

and package seeds from the plants 

you allowed to go to seed. Harvest the 

rest of your vegetables. If you have 

a small vegetable garden, whether 

boxed or in beds, pull out all the roots 

and place in your compost heap. 

You can till and turn the earth with 

discarded leaves into the soil a couple 

of times until the ground hardens 

with the cold. 

Your soil will benefit from the nutrients 

of the organic matter. Wash and 

thoroughly dry your flowerpots so 

all trace amounts of soil are cleaned 

away, with no chance of mold from 

dampness. Place them 

along with all your washed 

and dried garden tools in 

your garage or tool shed. 

Turn off all corresponding 

faucets from the interior, 

and allow the outer faucet 

to drain, ensuring no water is left 

in the pipes or wall that will freeze 

during winter. 

Thorough winter garden preparation 

is important. When you take care of 

your garden and soil, it will take care 

of you. 



2018-02-01 12:00:23 PM 

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ANANDA LANDSCAPES.indd 1 


7/31/2017 10:34:06 AM

Security 

is PEACE 

of MIND 

It used to be that alarm 

companies would install wires and 

contact sensors in every window 

and entrance to your home. 

These systems have proved 

to be sometimes problematic 

when it comes to changing 

window systems to the new 

energy efficient window systems. 

Suddenly you might find yourself 

with wires sticking out of the 

window frames with no ability to 

connect the sensors. 

Today these systems are becoming 

obsolete in the face of smart wireless 

technology. 

Some smart equipment will include 

a base tower and you can easily 

install the rest of the components on 

your doors and windows. All these 

components connect wirelessly with 

each other. 

The base station has a power backup 

in case of power outages, and has 

a SIM card in it, which calls for help 

if there are any issues. There is no 

drilling into walls or window frames 

as sensors have sticky tabs. 

Some systems come with contact 

and entry sensors, motion detectors, 

key pad, panic siren; smoke detectors, 

carbon monoxide, leak detectors 

and freezer detectors. 

With cameras and sensors installed 

around your home and property, 

surveillance, monitoring and control 

can be done from your cell phone. 

Monitoring by alarm companies is 

done remotely too, and alerts are 

sent directly to your cell phone. 

And in case you forgot to turn off 

some lights, or the fireplace, or close 

the electric blinds you can do that 

from the comfort of your location if 

you are away from home. 

This new technology makes it far easier 

for people to travel, be away from 

home and enjoy peace of mind that 

their property is secure. Parents can 

also check in on their family and pets. 

One concern you should be aware of 

though with this kind of technology 

is that it has been proven, it’s possible 

that the system can be hacked 

using technology to pick up pin 

numbers when they are punched in 

at a distance. 

Alarm companies are working to 

address this issue, even though they 

can still alert the homeowner if a 

system has been compromised and 

an alarm disarmed. 

The onus is on the homeowner to 

make sure that all their questions and 

concerns are answered regarding 

the security of the wireless system 

when it is installed, and that outside 

technologies will not be able to compromise 

their system and their peace 

of mind. 

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2018-02-01 12:00:34 PM

Traditional Kitchens 

vs. 

Modern Kitchens 

This Article is Provided by Tony Hilderman from Tormynak Contracting 

Tormynak Contracting has a very diverse knowledge 

in custom cabinetry and has been serving Airdrie and 

surrounding area for over twelve years. In addition we do 

work in High River, Edmonton, Cochrane and Red Deer. 

Tony Hilderman, the hands on owner has over 20 years 

experience. 

Tormynak contracting has a couple of key specialties that 

separate them from the average contractor. They specialize 

in complete KITCHEN RENOVATIONS & CUSTOM 

CABINETRY. They have expertise in matching to existing 

cabinetry. Like Tony says: “Why change it all if we can 

match what you have?” 

There are many factors to consider before making the 

choice of going for a “Traditional Design Kitchen” or 

“Modern Design Kitchen”. 

• the Style of your home and other houses in vicinity 

• the value of your home 

• the budget 

• MOST importantly, it’s a matter of personal taste 

Modern Kitchens can offer homeowners a more dynamic 

and innovative style of kitchen that is anything but ordinary. 

A couple of the advantages of modern kitchens are 

that they are easy to maintain and there are many options 

and accessories available to customize your kitchen to 

make it right for you. 

Traditional Kitchens look stellar in period homes, including 

Victorian and traditional style houses. They tend to 

be more rustic and have a “homey feel”. These types of 

cabinets boast gorgeous wood that dominate the space. 

Remember, Tormynak Contracting are experts in retro-fitting 

and matching up with existing cabinets. 

We always suggest that our customers do thoughtful 

research as they have to live with their decision for a long 

time. Gone are the days when the kitchen was only for 

cooking. A lot of life happens in the kitchen, no matter 

how different our lifestyles may be. 

The key to today’s kitchens is to take inspiration from 

kitchens of the past and upgrade their look and style with 

modern features. 

Custom Cabinetry 

Interior Finishing 

Insurance Restoration 

www.tormynak.com 

tormynak@gmail.com 

Tony Hilderman 

403.383.7442 



2018-02-01 12:00:38 PM

What What is is a a Reverse Mortgage? 

A reverse mortgage allows Canadians 55 and older to unlock up to 55% 

of the value of their home to assist with any financial need. The money received 

from a reverse mortgage is tax-free, there are no health checks to 

qualify for and no payments required for as long as at least one borrower 

lives in the home. 

Many senior clients are always asking for a solution to increase their cash 

flow and manage their debt. The truth is, debt in retirement use to be a 

faux-pas, but today, more and more Canadians are entering retirement 

with growing debt. The average life expectancy is higher 

than ever and the cost of living is often greater than pension incomes. 

There are many questions around a reverse mortgage that you may be asking; 

this is normal and I am hear to answer those questions for you. No one 

file is the same so ask the questions about your home and situation. 

For all the information on how to qualify call me today! 

BENEFITS! 

Keep Your Home 

NO Payments 

Relieve Financial Stress 

Enjoy Retirement 

Take Control 

Dale Bland 

Mortgage Professional 

403-875-8851 

dale.bland@cmlmortgages.com 

http://www.mortgageweb.ca/dbland 

2316 6 Street NE, Calgary AB T2E 3Z1 

www.cmlmortgages.com 




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PIERRE'S CONCRETE full page.indd 1 


2/8/2017 11:58:37 AM

A MESSAGE... 

FROM YOUR 

CENTRAL ALBERTA FURNACE CLEANING COMPANY 

This message provided by: Bruce & Nancy Boguski 

Will-Do Furnace & Chimney Cleaning Inc. 

Many new furnace systems are built to offer high 

efficiency, but one of the best ways to make sure they 

maintain their effectiveness is to service them every 

two to three years. When we clean your furnace we remove 

the fan so the furnace and the fan can be cleaned 

properly. When the fan is removed, only then can all 

the components of the furnace be cleaned properly. If 

access panels are used instead of this procedure, the 

maintenance is not complete! 

Cleaning the fan and the coil keeps your high efficient 

furnace running properly. This will increase the life of 

your furnace, and helps ensure you’re getting the most 

out of your system. Similarly, any air-conditioning 

system that is attached to your furnace will also need to 

be cleaned for the same reasons. We are also specialists 

at cleaning your chimney to wood burning stoves/fireplaces! 

Get it all done at once! We’ve got the expertise 

and experience – we love to clean, and it shows! 

As a family owned and operated company since 1993, 

Will-Do Furnace & Chimney Cleaning Inc. has earned 

our reputation as a business run with pride and honesty. 

Our clients know how important it is to have their 

furnace and vents regularly cleaned, regardless of the 

age of the home. That’s why we offer all types of furnace 

and duct cleaning for you. From boiler and chimney 

cleaning services to a full multi-point inspection 

and system evaluation, we’ll make sure your system is 

clean and running well. Just contact us today to get 

started with your free estimate. 

Red Deer 403-346-6844 

Leslieville 403-729-2772 

www.willdofurnacecleaning.ca 

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boiler 

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multi-point insepction 



2018-02-01 12:00:40 PM

Hot Condo Topics 

Current condo hot topics include 

the Condominium Property Amendment 

Act and amended Human 

Rights legislation regarding age 

restricted housing. 

Condominium Property Act 

amendments have been created 

to improve protection for buyers 

of newly constructed units (new 

units sold directly by developers) 

and existing owners/purchasers of 

resale units. Some of the amendments 

regarding developers include 

strengthening the province’s power 

to inspect, investigate and enforce 

rules respecting sales, expanding 

purchase disclosure information 

including a final date by which the 

unit must be ready for occupancy 

and options to cancel a contract if 

that date is not met. 

Amendments with regard to existing 

owners (or purchasers of 

existing condominium units) to be 

addressed in regulations supporting 

this Act include new restrictions regarding 

the registration of a caveat 

against a unit’s title for a charge ($) 

to a unit for monetary sanctions 

imposed under a bylaw or other 

debts claimed by the corporation 

(may only be registered against the 

unit title by caveat if the sanctions 

for debts are found by a court to be 

valid but remain unpaid), capping 

expenses with regard to preparation, 

registration, enforcement or 

discharge of a caveat, limiting the 

amount of monetary sanctions that 

can be imposed in accordance with 

the bylaws, enabling certain types 

of votes to be conducted electronically, 

prescribing maximum fees 

that can be charged for a corporation’s 

documents and clarifying 

insurance, maintenance and repair 

obligations of the corporation and 

those of unit owners. These amendments 

are also geared towards 

raising standards in Alberta’s condominium 

management sector by 

designating the Real Estate Council 

of Alberta (RECA) as the regulator 

of condominium managers and enabling 

this body to establish licensing 

requirements for condominium 

managers, including education and 

training requirements. 

A new tribunal system will be 

framed to be an affordable and 

efficient forum/decision maker for 

certain types of condo disputes 

between Boards, owners, occupants 

and other interested parties. The tribunal 

will operate under rules and 

procedures set out in the regulations 

to ensure that hearings are fair 

and efficient, but will only operate 

in a limited geographic area (such 

as Edmonton or Calgary) during the 

pilot phase. It will be expanded later 

to hear a wider range of disputes in 

a greater number of locations across 

the province. Courts will continue 

to hear disputes that fall outside of 

the tribunal jurisdiction including 

disputes such as unit foreclosure or 

modification of the Condominium 

Plan. 

Changes to Alberta’s Human Rights 

legislation prohibits ‘age’ as a form 

of discrimination in condos (and 

other areas) and other types of 

community housing (co-ops and 

mobile home sites). Condominiums/ 

community housing will be allowed 

to continue age restrictions from 

55 years and above (including the 

spouses and significant others under 

the age of 55). Condominiums 

who have age restrictions under 

55 years will be grandfathered for 

a period of 15 years. This means 

that between now and approximately 

2032, condominiums with 

age restrictions will have to decide 

(and change their bylaws) to either 

eliminate the restriction altogether 

or set their age restriction at 

55 years. There is a national trend 

showing that restrictions by age can 

affect communities where there is a 

critical shortage of housing and this 

amendment will help to create a 

more level playing field. 

Do you have a condo question? We 

are always up for condo conversations 

and welcome your questions 

at 780 - 995 - 4635 or by email to 

conquest0395@gmail.com. 

Sharon Blondin, President, Condo- 

Quest Inc. 



2018-02-01 12:00:40 PM

Fireplace Cleaning 

& 

Health 

There is nothing more pleasing than 

contemplating a heartwarming fire 

going in the hearth as the weather 

starts to cool. Fall is probably the 

best time to make sure all is in good 

working order ahead of the cooling 

weather. Typically chimneys, fireplaces 

and vents should be inspected and 

cleaned just prior to, and after the 

winter to work optimally. 

This will ensure regular maintenance 

clears debris and blockages, and 

venting works efficiently. Check 

with a flashlight to see whether the 

creosote is thicker than 1/8th inch, 

and if so, the job needs to get done. If 

you are not comfortable getting onto 

your roof you can clear your chimney 

from the bottom up. Chimney brush 

sizes and shapes are determined by 

whether you have a round or square 

shaped flue. Small brushes make the 

work of cleaning the flue a lot harder; 

the size should be snug enough – just 

slightly larger than the flue to move 

with ease. Fibreglass rods can be purchased 

for straight chimneys. Make 

sure the brush has the same connection 

type as the rod. 

The rod lengths will be the height 

from your chimney to the damper. 

You or someone can drop a rope 

down from the top of the chimney to 

determine the length. Make sure to 

wear gloves and have the surrounding 

floor covered with a protective 

mat or plastic liner. To start, attach the 

brush to your first rod. 

As you move it up the flue add the 

additional rods for ease. As you get 

your brush through the damper, push 

further up to attach additional rods. 

Push through to get an up and down 

scraping, sweeping motion. 

Once you have completed cleaning 

the creosote and debris, pull your 

broom out and use a brush and bucket, 

or an ash vacuum to pick up the 

ash from the floor and inner ledge. 

Keeping your chimney regularly 

checked and clean will ensure you 

don’t have any issues when colder 

weather comes to stay. With this work 

done, you can now relax and enjoy an 

efficient and warming fireplace. 



2018-02-01 12:00:41 PM

12 Tips 

To Protect Your Credit Score 

From 

Written by Brian Summefelt 

President and CEO of MetCredit 

Identity theft. We continue to hear of fraudsters hijacking 

someone’s ID to access money or get credit. The victim is 

burdened with proving “that wasn’t me!” 

Identity theft also destroys one’s credit score, so you 

can’t get a mortgage, vehicle loan or credit card until you 

resolve things—a process that takes endless frustrating 

hours. It’s not just negligent or careless people who have 

their identity stolen. 

It even happened to me. A photocopy of my identity 

documents was compromised by a hotel administrator: an 

inside job by a trusted professional. Having been a victim 

despite my hyper-vigilant nature, I know the frustration 

and vulnerability that accompany being targeted. 

Prevention is key. These 12 tips will help reduce your risk 

of identity theft: 

1. Use biometric wallets like Apple Pay, a hardware-secured 

payment system that uses one-time tokens rather 

than credit card numbers and codes. Face and fingerprint 

recognition safeguard against unauthorized use. 

2. Remove any ID from your wallet or purse that you don’t 

often need, and lock it away. 

3. Swipe or tap your own payment cards on readers. Nearfield 

communication (NFC) information used by contactless 

cards can be scanned and later replicated. 

4. Don’t open suspect emails or click on links within them. 

Never open an unexpected attachment, no matter who it 

appears to be from. 

5. Be on guard for phone calls, visits, texts or emails from 

strangers asking for personal information. Never give 

out your date of birth, bank account number, or personal 

information. 

6. Refuse copying of your ID (at hotels, for instance) and 

offer less invasive means of confirmation. 

7. Shred all private and financial documents before discarding. 

8. Update all financial institutions of any change to your 

contact info. 

9. Routinely check your credit reports, bank statements 

and credit card bills line-by-line. Report anything suspicious. 

10. Subscribe to a credit monitoring service, especially if 

your identity might be compromised. 

11. Look for the “https” (with an “s” for Secure) and padlock 

icon beside a website’s URL indicating information is 

encrypted in transit. 

12. Never store your credit or debit PINs anywhere near 

the cards. Use an encrypted password app. 

If you suspect your identity has been compromised, get 

help. 

Contact the Canadian Anti-Fraud Centre, both national 

credit bureaus and your local police. Together we can 

reduce everyone’s risk of identity theft. 

In 2018 Resolve to Collect Before It Is Too Late 

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MET CREDIT - EDMONTON 1-4 page.indd 1 

4/23/2017 2:44:21 AM 


2018-02-01 12:00:41 PM

Moving Home? 

Get Professional Help 

Are you moving homes? Have you run 

out of time and energy to complete 

all your packing? The stress alone can 

take a toll on your health and that of 

your family, causing greater delays 

and upsets. 

In addition, moving into a new home 

also has its challenges – exciting as 

it may be. You know from previous 

experience, how overwhelming it can 

become moving in and going straight 

back to work - boxes piled up and 

dotted around hallways and rooms, 

waiting for you to have the energy to 

neatly unpack contents in an organized 

fashion. Perhaps your time and 

energy is better well spent employing 

a service to come and do this tedious 

work for you. To get you organized. 

After the initial consultation, these 

move management specialists will 

create a tailored program and plan of 

action for you and your move. 

Planning a move to a new home 

requires a lot of attention to detail. 

Specialist move management people 

have your back. They will facilitate the 

process of discarding old and unused 

clothing and other items; go through 

your recycling and remove it for 

you; and once they have packed and 

labeled all the boxes and containers, 

they ensure that nothing is left behind 

after you have left the old house. 

Upon arriving at your new home they 

will clear the space, unpack and organize 

all your belongings. 

Move management people work in a 

strategic fashion, and their solution 

for unpacking your goods ensures 

that you stay organized given the 

convenient and best placing of your 

belongings. Now what could be 

more gratifying than having the time 

and stress taken out of the moving 

process? Take a deep breath, give 

yourself a sigh of relief and enjoy your 

new home. 



2018-02-01 12:00:42 PM

Carpet Cleaning 

Professional? 

Article provided by Art Franz 

Owner/Operator PERFORMANCE Carpet Cleaning Solutions 

It is a well-known fact that the carpet cleaning industry 

is rife with unprofessional-ism. So much so, that, in 

many circles, when the topic of carpet cleaning comes 

up, people will prefer to replace instead of clean just 

because their experience with carpet cleaners has far too 

often been negative. And far too often it’s because they 

don’t even know if their carpet is a candidate for cleaning 

because whenever they hired a cleaner in the past, the 

results were much less than satisfactory. 

There are several reasons for this. But it almost always 

comes down to a lack of professionalism on the part of the 

carpet cleaner. And primarily, this lack of professionalism 

is due to a lack of proper training. 

Carpet cleaners? Training? Didn’t think that was available? 

Yes, it is. We all know that training and certification 

in any industry, and especially the trades (yes, carpet 

cleaning is a trade), is a key aspect of what makes a 

professional or not. The primary institution in North 

America that trains carpet cleaners is the IICRC. This 

acronym stands for: Institute of Inspection, Cleaning, and 

Restoration Certification. I will encourage everyone that’s 

looking for a carpet cleaner to check their website. 

How can you tell if your cleaner has been trained? Simple. 

Ask questions. Are you a professional? What makes you 

a professional? Do you have any formal training? Do you 

have a certificate from the institution that trained you? 

Does this institution actually exist? What equipment do 

you use? Why do you use that type of equipment? What 

procedures do you use that make you better than your 

competitors? Can you look at my carpet and give me an 

idea of what to expect? Do you offer any type of warranty? 

Do you carry insurance? 

So, when hiring a carpet cleaner (or anyone else for that 

matter), give the process some thought, and do your 

research. Ask as many questions as you can think of, and 

if the person on the phone can’t answer your questions 

to your satisfaction, look somewhere else. Remember, 

you are entrusting that firm with at least a portion of 

your investment. If you are happy with the person you’ve 

been using, keep using him or her. Not always, but quite 

often, you get what you pay for. Higher price does not 

always mean higher quality. But if you hire someone that 

is properly trained and certified, chances are, you will be 

pleasantly surprised with the outcome. 

Art Franz is the owner and operator of Performance Carpet 

Cleaning. He comes with over 2 decades of experience in 

the carpet and upholstery cleaning industry. He prides 

himself on having taken courses and passed examinations 

on all of the aspects of the industry that he is involved in. 

Below is a copy of his certification. 

We are the SOLUTION! 

403.391.9094 

www.performancecarpetcleaning.net 



2018-02-01 12:00:43 PM

WHY YOU SHOULD HIRE A PROFESSIONAL 

WINDOW CLEANING COMPANY 

Written by Richard Picard, Owner/Operator Sparkle and Shine Calgary 

http://calgarywindowclean.com/ 

The #1 benefit of hiring professional window cleaners is 

that it will save you from exhaustion and frustration. It will 

spare hours and hours of your time because we do it every 

single day. For us, the process is so streamlined that the 

time required is much less. 

Also, by having a professional clean your windows, you 

avoid the various hazards involved with heights, wet 

surfaces and working with glass, vegetation and even … 

spiders! 

At Sparkle & Shine Window Cleaning in Calgary, we guarantee 

that you’ll be delighted with the sparkling condition 

of your windows and buildings that we want you to be 

100% happy. 

Sparkle & Shine Window Cleaning has worked with business 

owners and homeowners in the Calgary area since 

2004 and offers reliable, safe and affordable cleaning with 

a dedicated, professional team. We consistently provide 

top-quality customer service and a streak-free shine on all 

of our jobs. 

We’re the Best, Here’s Why: 

FULLY INSURED 

We are fully insured & bonded so you can feel confident 

we are committed to operating with integrity, offering you 

the protection and the trust you need when others are in 

your home. 

100% LOCAL 

We are locally owned and have served the Calgary area for 

over 13 years. 

EXPERIENCE 

Founded in 2001, we bring 17 years of experience in professional 

and reliable window cleaning and other services. 

While our team is not that big, their totaling experience is 

huge! 

TOOLS 

We only use professional-level equipment and fully 

trained employees. We apply the latest methods as we 

find new and innovative ways to bring you the cleanest 

possible home. 

We would love to hear from you. Simply contact 

Richard at (403) 862-7662 or 

email sparkle.shine@hotmail.com 

3 Residential & Commercial 

3 Window Cleaning 

3 Eavestrough Cleaning 

3 Power Washing 

We make your windows 

Spark & Shine... everytime! 

Serving Calgary & Area Since 2001 

403.862.7662 

Licensed 

& Insured 

When you mention this ad, you will receive 

10% OFF your windows with a purchase of 

$100 window cleaning services. 

http://calgarywindowclean.com 

REAL Sparkle HOME & Shine ADVICE 1-4.indd 1 

8/21/2016 8:27:40 16 PM 


2018-02-01 12:00:43 PM

Sam Ammar 

Publisher 

Jack Mackenzie 

VP National 

Business Development 

Grow Your Business 

with Us 

To Our Valued Readers and Advertisers: 

Real Home Advice is proud to announce that 2017 marks 

our 5 Year Anniversary in the Edmonton Region. Our main 

objective remains providing current and reliable information 

to our readership. Our focus is in the areas of home trends, 

renovations, services, decoration and real estate. Our readership 

has come to rely on our updated and relevant editorials. 

Also our advertising partners value the branding opportunity 

we provide through our distribution, exclusivity & online 

services. As the publisher of Real Home Advice I’m extremely 

proud how we have evolved in the last 5 years from the traditional 

form of advertising into becoming real partners with 

many local professionals, services, & companies. 

Call us today for advertising in our magazine or online 

www.realhomeadvice.ca 

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Serving Calgary and 




2018-02-01 12:00:44 PM

The Co-Signor, 

The Guarantor and 

the Indemnitor 

Mortgage Smarts (the book), explains the differences between a co-signor, a guarantor, and indemnitor in case you are 

not aware of these categories of support when it comes to applying for a mortgage. 

Co-signor 

If you have little or no credit history, 

or if you do not have enough financial 

strength, the lender may require you 

to have a co-signer. The lender must 

be satisfied that the co-signer has the 

financial ability to pay off the debt 

if you default, and usually requires 

that the co-signor go on the title as 

well as you. If your financial situation 

improves, the lender may allow the 

co-signor to be removed from title. 

Les bought a pre-sale condominium 

from a developer. His parents were 

willing to help him by putting $5,000 

towards the down payment and 

co-signing the loan. They were included 

with Les on the title as tenants in 

common. 

The parents were insistent that the 

only way Les would get the $5,000 was 

if they were also on title. 

So, the sale completed and five years 

went by. Les enjoyed his condo and 

all seemed well. Then water became 

a problem in the building and it fell 

into the “leaky condo” category, 

requiring full rehabilitation. The cost 

per unit was $40,000. At the time, the 

government provided interest free 

loans to owners who earned below a 

certain income. Luckily, Les qualified 

for his loan. However, when he made 

the loan application it was noticed 

that his parents were also on title. 

Since they had ample money, they 

were forced to borrow $40,000 to pay 

the assessment, so now Les had to pay 

them back $40,000 plus interest. 

His parents were less than gracious 

about having to pay the assessment 

fee up front and it caused problems 

between them and Les. However, had 

they considered the ramifications going 

on title at the beginning, the 

situation would have been averted 

and the loan for Les would have been 

interest-free. 

Guarantor 

If you cannot financially qualify for a 

mortgage, you might have a family 

member or friend who is willing to act 

as a guarantor. A guarantor provides 

additional security to the lender, but 

does not go on the title like a co-signor. 

This person would have to qualify 

financially with the lender. If you 

defaulted in your mortgage, the lender 

would foreclose on the property. Any 

financial losses the lender incurred 

would be payable by the guarantor if 

you were unable to pay the required 

amount. The guarantor’s promise to 

pay is called a guarantee and is a written 

document, which may or may not 

be attached to the mortgage. 

Indemnitor 

An indemnity operates much like a 

guarantee in that the person providing 

an indemnity guarantees payment of 

the loan. The main difference is that 

the lender does not have to go after 

the borrower first before being able to 

claim for its financial losses. The lender 

can call upon the indemnitor at the 

first sign of trouble. The current trend is 

to choose this form of security rather 

than a simple guarantee.” 

Life experiences always teach us after 

the fact if we’re not careful in considering 

all the options and unexpected 

possible scenarios that could occur. In 

the case of Les and his parents, the RE- 

ALTOR® made a number of suggestions 

to find a solution for Les. In the end it 

did not work out so well for the family. 

Ask your mortgage broker all the questions 

you need to be aware regarding 

signing as a co-signor, guarantor, or 

indemnitor. In the end, improbable 

outcomes rest upon your actions to 

support family members. 

Excerpt written with permission from 

the authors of “Mortgage Smarts” published 

by and available from Friesen 

Press. Awarded the 2017 Independent 

Publisher Book Awards Silver Medal in 

the “Finance, Investment & Economics” 

category. 



2018-02-01 12:00:44 PM

Central Vaccums 

Whatever size home you have, 

you can’t beat the convenience and 

efficacy of the central vacuum, which, 

unlike conventional vacuum cleaners 

can more effectively and safely 

remove 100% of the dust, dirt and 

allergens in your home. 

If you are planning on building a new 

home, a renovation or extension, you 

might want to consider centralizing 

your vacuum service. Even existing 

homes can be retrofitted with a 

system. 

Professional installers can install the 

system, or step-by-step installation 

instructions are available for the 

handymen in your family. 

Central vacuums are high powered 

systems that come with non-crushable 

retractable air hoses, power 

heads, and all the accessories for any 

thickness and pile of carpet or rug: 

tools to reach under your fridge or 

stove, as well as fabric tools for your 

furnishings. 

Tubing is installed in the walls of your 

home so dust and allergens are conveniently 

and safely sucked away into 

the holding canister. 

Each floor of your home will have an 

inlet valve and storage for an air hose 

that will be designed to reach every 

room on that floor. The power unit is 

conveniently mounted and housed 

in Central Vacuums a well-ventilated 

garage, basement or storeroom, 

therefore eliminating much of the 

noise associated with vacuums. 

Systems may come with a HEPA vacuum 

filter in the collection canister. 

Vacuum cleaners are tedious to push, 

or pull up and down stairs from floor 

to floor. 

If you have allergy sufferers in your 

family, or just looking for greater convenience, 

you can’t beat the efficiency 

of the central vacuum system. 

Vacuuming convenience is a great 

consideration and investment, which 

makes cleaning your home more 

pleasurable, keeping it tidier and 

healthier. 



2018-02-01 12:00:45 PM

Brown the New Black 

This winter warmth can be 

evoked through rich chocolaty 

shades of brown, rustic 

colonial brick and terracotta 

reds, as well as deep forest 

greens. Whether you choose 

to paint accent walls or 

your ceiling - the darker, the 

richer – the greater the ambiance 

for a homely welcoming 

environment. 

Stain-wooden beams dark 

brown. Perhaps there’s a 

beautiful brick wall that needs exposing behind some 

tired closets or bookcase. Compliment the darker colours 

with desert rose, antique and linen whites, creams and 

sand-coloured beiges. Matte black cupboard doors and 

hardware will elegantly complete the look in your kitchen 

or washrooms. 

Where does your imagination, or 

your feeling sensations go when 

you think of coming in from cold 

autumn and winter days? What 

colours and furnishings elicit 

feelings of comfort and serenity? 

Whatever pops to mind can perhaps 

become newly inspired translations 

to your home this winter, the New Year 

and beoyond. 

Earthen accessories and furniture 

include worn leather, aged 

wood pieces and finishes, clay, 

cork and rustic fabrics and finishes. 

Oh, and by the way, brass 

has made a comeback. 

Time to put away the all-white 

bedding and change up bland 

bedrooms to quilted colours, 

patterns and textures. Fabrics 

are rich and plush with velvet 

making a comeback. Go on – 

get brave and mix it up. 

Yes – with your furniture. Gone are the days of generic 

couches and furnishings. Mix and match and get inspired 

by all the mood boards on the net. 

There’s an inlaid dresser for your passage or dining room 

waiting to lift, inspire and compliment your furniture collection. 

Big stitch knitted throws, pillows, woven baskets 

Why WASTE 

TIME, EFFORT & MONEY on inferior forming methods? 

SUPERFORM is only one insulting concrete forming system that has risen above the crowd! 

Superform insulated concrete forming (ICF) system is the Strongest. 

Superform ICF provides the largest, widest and thickest backing for wall finishes. 

Superform ICF is the only system to provides as much R-Value a full 5 1/2” of type-2 EPS. 

Superform ICF is the only system to come fully assembled in efficient 12” x 48” blocks. 

Superform ICF is the only system to provide a massive, 3” wide backing at outside corners. 

Superform ICF is the true leader in ICF systems. 

403-627-3555 / www.superformicf.ca 

REAL SUPERFORM HOME PRODUCTS ADVICELTD 1-2.indd 1 

2/12/2017 7:16:3420 

PM 


2018-02-01 12:00:47 PM

and planters, rustic and rural rugs and accessories will pull 

the whole feel and look together. 

Trends still continue to create space that is devoid of any 

technology. Utilize these quiet spaces for relaxation, and 

that good old-fashioned sense of homeliness and comfort. 

Have fun this winter season. Creativity is at its best when 

you can pull together an array of different concepts, colours 

and furnishings. 

Pick a couple of existing furniture pieces and furnishings 

in your living, dining or family room, and work around 

transforming the entire look and feel for a refreshing 

change this autumn and winter. 

OIL FIELD 

INDUSTRIAL 

CLEAN-UPS 

BROOKS - MEDICINE HAT 

Mailing Addres: BOX 2036, BROOKS, AB T1R 1C7 



2018-02-01 12:00:49 PM

Get your HOME ready 

to IMPRESS 

You have decided to sell your home – 

now the time has come to get it ready 

for sale. 

It’s important to remember that, 

when we’re selling your home together, 

we don’t get a second chance to 

make a good first impression. Most 

buyers look for homes that are well 

cared for and bright – in general, 

clean and spiffy. 

First, look at the lawn and yard. Remove 

clutter, cut the grass (including 

the edges along the walks), trim the 

hedges and weed the gardens. Now, 

check the front of the house. If necessary, 

paint, fix or wash the railings, 

steps, drains, screen door and/or front 

door. When applicable, also clear 

snow from the walks, driveway and 

porch. 

It’s almost time to go inside, but first 

we need to check other areas, such 

as the side or back door, gutters and 

GM Bain Real Estate Services Ltd. 

gmbainrealestate.com 

Phone: (403) 650-9995 

E-mail: home.life@shaw.ca 

Article supplied by Gary Bain - GM Bain Real Estate Services LTD. 

windows. Clean and fix where necessary. 

If you have a garage, straighten 

it up, paint, fix broken items, or wash 

doors and windows. 

Going inside now, check the basement 

and make sure that all items are 

stored neatly in order to create a spacious 

appearance. If necessary, paint 

the floor. Now, it’s time to check the 

plumbing. Repair all dripping faucets 

and leaky toilets. 

Once the plumbing is looked after, 

check out your home’s heating and 

cooling system and get any needed 

repairs done. Then clean the exterior 

of the unit. 

Next, take a look at the lights 

throughout the home. Replace all 

burned out bulbs and fix faulty 

switches. With that mission accomplished, 

take a look at halls and stairs 

and remove clutter to give narrow areas 

a wider appearance, and examine 

your home’s hardware. Oil all hinges 

so that they do not squeak and tighten 

doorknobs and faucets. 

Now, consider your home’s general 

condition – especially for cleanliness. 

Dust, wash, and paint where necessary, 

and fix defects as required. 

Once that work is complete, consider 

the home’s feeling of spaciousness. 

To make your rooms feel more roomy, 

store unneeded items in out-of-sight 

areas. Then check your carpets and 

remove all unsightly spots. 

We have come now to the critical 

areas: The kitchen, bathrooms and 

closets. Make the stove, fridge and 

sink spotless with all work spaces 

clean. Bathrooms need to be neat, 

spotless and fresh. Repair any cracked 

putty/caulking around the tub. 

Last but not least, clean the closets. 

Remember: Untidy or overcrowded 

closets suggest inadequate storage 

space. 

• Advisory Services • Market Analysis • Real Estate Appraisal • Referrals to Service Contractors & Mortgage Experts 



2018-02-01 12:00:49 PM

2018 TAX ADVICE 

ARTICLE SUPPLIED BY MARK POTTY VENTURE TAX RED DEER 

About Us 

Venture Tax Services is a locally owned and operated 

bookkeeping and tax preparation service, centrally located 

at the heart of Alberta, in downtown Red Deer. We are 

NOT a franchise or part of any large accounting firm. 

Branching out of his original home based business, where 

he learned the struggles of starting a new business, Mark 

opened his doors to the public in 2003 on Ross Street, in 

downtown Red Deer. Mark quickly built a quality reputation, 

and his client base grew as a result of the many 

recommendations and referrals from his satisfied clients. 

What should you bring with you?? 

If you have never been to Venture Tax & Accounting before, 

you should bring the following items to help us complete 

your return quickly and thoroughly: 

• Picture ID 

• Previous year’s Notice of Assessment or Re-assessment 

Everyone should bring: 

• All T4 & T5 slips 

• T4E, T4RSP, T4RIF, Pension / Old Age slips (if applicable) 

• RRSP contribution slips 

• T2202 Education slips for students 

• Charitable contribution and medical expense receipts 

• Child support / alimony receipts 

• Child Care 

• Moving expenses (if you moved more than 40km’s closer 

to your work) 

DID YOU..... 

• Have a rental property, or small business operating (Last 

Year?) 

• Have a student loan that you are paying down? 

• Trade any Mutual Funds / Stocks / Bonds? 

• Live in Northern Alberta, BC, or NWT for more than 6 

months? 

ARE YOU..... 

• A single parent? (bring birth certificates for each of your 

children, and custody papers) 

• Newly married? (let us prepare both spouses returns at 

the same time so we can take full advantage of available 

credits... and save you 10% on the fees!) 

• New to Canada? There are many more expenses and 

credits available. Don’t be afraid to ask. 

Professional Tax Services 



2018-02-01 12:00:50 PM

Business & Service Directory 

For advertising information give our classified advertising department 

a call today at 780.406.6441 or email adcopy@realhomeadvice.ca 

EDMONTON AND AREA BUSINESS DIRECTORY 

To Our Valued Readers and 

Advertisers 

Real Home Advice is proud to continue in 2018 the Business 

Service Directory for our readers in Calgary and area. 

Our main objective continues to be providing current and 

reliable information to our readership in the areas of home 

trends, renovations, services, decoration and real estate. 

Our readership has come to rely on our updated and relevant 

editorials. The body of the magazine has evolved over 

the last few years. We focus on the Editorial content first 

and ad content second. This has allowed us to have exclusive 

and prominent ad spaces in the magazine and allows 

for better visibility. Our readers told us they still would like 

a directory of companies and services…. We listened… 

The directory allows our readers to easily access services or 

products in one area. We have selected the companies for 

the section to ensure our readers are getting good services 

and products. As with ALL our ad Partners in the magazine 

Big or Small, we like to partner with the ‘Best”. 

www.mortgageweb.ca/dbland 

Decrease your monthly 

payment & increase cash flow 

while keeping your home 

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dale.bland@cmlmortgages.com 

A. TRUST RENOVATIONS 

Beautiful Renovations. Done Right. 

Most reliable 

Bathroom Renovations, 

Home Improvement & 

Handyman Services 

403-201-4054 

atrustrenovations.com 

rey@atrustrenovations.com 



2018-02-01 12:00:51 PM




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When was the last time you had your furnace and ducts cleaned? 

We specialize in furnace cleaning, service and installs. 

Accessible Lock & Key Ltd. 

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The Key To All Your Needs! 

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www.accessiblelockandkey.com 

Serving Red Deer & Surrounding Areas 

Auto & Home Unlocks 

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2/12/2017 6:01:57 PM 

Custom Garage Builders Calgary 

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7/21/2017 12:50:45 AM 

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2018-02-01 12:00:51 PM




4007 Ogden Rd SE, 

Calgary, AB, T2G 4N6 

centralroofingcalgary.org 

Your Flat Roofing Experts 

Roofing Replacements, Repairs, Inspection Services & More 

We Can Help You! CALL US TODAY 

Phone: 403-287-1333 

Emergency: 403-969-0538 

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Serving the NW Calgary Community for many years 

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2/23/2017 12:05:35 AM 

#10 3200 14 Ave NE 

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GARY BAIN / REALTOR ® 

2/19/2017 10:17:56 PM 

Real Estate Broke/Owner Cell 403-650-9995 

www.gmbainrealestate.com / homelife@shaw.ca 

Proudly Serving Calgary & Surrounding Communities for Over 30 Years 

C L 

Through years of experience, we are able to deliver exceptional material 

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CALL SODI TODAY 403.460.8100 

Thinking of BUYING or SELLING 

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Divine Kitchen Cabinets Inc B Card.indd 1 

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2/12/2017 8:01:46 G M PM BAIN REAL ESTATE SVC LTD B Card.indd 1 

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8/17/2017 10:37:10 AM 

2018-02-01 12:00:52 PM




ODOUR 

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T 780.818.7838 

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2/12/2017 6:13:29 PM 

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YOUR FUTURE 

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2018-02-01 12:00:53 PM




Serving 

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We are your local pool & spa 

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2018-02-01 12:00:54 PM




Bringing New Life 

to Your Metal! 

WE ARE SPECIALIZED IN 

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• Hot Water Heaters • Built-in Vacuums • Dryer Vents 

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Kimberly 

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2/12/2017 8:09:37 PM 

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2018-02-01 12:00:55 PM

Wireless In-Home Sound Systems 

These days with the advance of 

technology, music never sounded as 

sweet and crystal clear as it does now. 

Over the past few decades, homes 

have been built with the option to 

have a sound system with speakers 

wired into the walls and ceilings of 

the rooms in your home. 

With the sophistication of technology 

today comes even greater convenience 

tuned to the needs and enjoyment 

requests of your family. 

Not only can you have wireless 

speakers in every single room in your 

home, you can also tune them to play 

different music in the various zones of 

your house. 

Wireless multi-room speakers can be 

controlled from your smartphone or 

tablet. It’s as simple as that. 

What you need to plan out when 

deciding on which system to purchase 

is for which rooms in the house 

you want to install the speakers. And 

all that is meant by an install is just a 

plug-in away. 

Some systems are battery operated 

and require recharging. You will also 

need to decide on how large you 

want your speakers to be, as well as 

whether you will broadcast your music 

from a computer or hard drive, online 

programs or your smartphone/s. 

A number of sound systems are now 

available after Sonos basically invented 

the wireless multi-room system; 

from powered speakers, to sound 

bars, to your home theatre receiver. 

Speakers can be moved from room to 

room, and best of all can come with 

you when you move to a new home. 

Shop wisely for the best system that 

will fill your family’s requirements, 

and kick back and enjoy the wonderful 

sounds of this new wireless 

speaker technology that never sounded 

so good. 




Revera

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and personalized care – you’ll find it all at Revera. Our Red Deer communities offer 

a range of programs and services to ensure your unique personal needs are met. 

Call today to find out how we can help. 

Inglewood 

10 Inglewood Dr, Red Deer • 

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Revera living full page.indd 1 


8/8/2017 2:41:58 PM

A Gold Partner of Real Home Advice 

Your Trusted Contractor For Reliable 

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in Red Deer and Central Alberta 

403.896.1934 

Need 

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or SIDING? 

We ensure you 

receive the repair 

services you need, 

when you need 

them the most. 

25 Years of Experience in Home Improvement 

Exceptional Workmanship & Quality Services 

Dedicated to Client Satisfaction 



Snap and Cracker.indd 1 


2/16/2017 10:33:53 AM

Calgary Winter spring 2018

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