As the place where we spend more than half of our lives, our homes have a major impact on our happiness. An extensive study by Resi, an architectural firm in the UK, revealed the factors that contribute to a happy home. At the top of the list was homeownership. Compared to renters, owners enjoyed a greater sense of security and pride because they were able to renovate to suit their own tastes and they could build equity. The people with the lowest level of home satisfaction where those living in rental accommodati... read more

Deer oh deer, why do you love to eat our most prized plants? How easily you jump our fences and stretch your graceful necks to reach the ripe fruit on our trees. Time after time, you return to graze on our blossoms and vegetable patches.   The situation is frustrating, although to be fair, we have taken over vast sections of wilderness to build homes, farms and industry. As natural habits have diminished, deer and other wildlife forage on our properties to survive. Erratic weather events, such as drought, also... read more

Frozen water pipes, floods, fire, infestations, theft, roof damage, and injuries on snowy sidewalks are some of the unfortunate incidents that can take place when a home is left unoccupied during the winter. Snowbirds may return from their sunny holidays to discover thousands of dollars in damages and liabilities. Safeguard your home and belongings by taking precautions before you leave. Insurance Insurers typically require that you have someone check on your home every four to seven days while you are away. If t... read more

Aging is a gradual process that proceeds almost unnoticed. In today's health- and fitness-oriented society, it can be easy to think and feel young well into our retirement years. Most communities across Canada offer fitness facilities, grocery stores now carry more low-fat and low-sodium choices than ever before, and medical and nutrition understanding is constantly evolving. For many of us, it isn't until we suddenly lose the ability to do our daily activities that we realize we aren't young anymore! It may be som... read more

If a pipe bursts while you sleep, a kitchen fire gets out of control, or a tree crashes through your roof, insurance can help you avoid financial hardship. It is essential for all homeowners. The trick is to ensure you have the coverage you need at reasonable rates. Policies vary from company to company and salespeople often work on commission, so it pays to understand the key features of insurance and to shop around.  Tips to reduce your premiums:  1. Begin by reviewing your current policy. TD Insuran... read more