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Found 386 entries published by Justin Havre.

Life Insurance ResearchAfter months of house hunting, you’ve just bought your first home, and you’re over the moon about it. Finally, a place you can call your own! But before you can get settled, you need to get a few things in order—namely, your insurance.

What would happen if you passed away before your mortgage was paid off? Who would be responsible for those payments? If you have a family, you might worry that they could default on the mortgage, and suddenly have no place to live.

To find the best life insurance policy in Canada, it pays to do your research first. There are a few different types of insurance to brush up on before you make your decision. We’ve put together this guide to help new homeowners in Calgary find a policy that meets their needs:

For

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Water in all the wrong places can be a horrible nightmare for any homeowner. Not only does it damage your home, but it can also cause a variety of health problems.

The bad news is that water seepage and dampness are impossible to avoid, especially during heavy rainfall and winter. No one can predict a storm or hurricane from happening. But what about other sources of moisture such as leaky pipes, cracks in the foundation, and malfunctioning appliances? The good news is that you can prevent the latter by waterproofing your home. 

Waterproofing means making a surface water-resistant or inaccessible by liquids. Without any water seeping through, your home will be much more durable. There are a lot of waterproofing techniques, but it all depends on your

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House Viewing EtiquetteWhen looking for a new home, you can go on several open house sessions and tiresome viewings. The team at Calgary.com compiled the following fundamental tips to complement our first-time buyer strategies.

Communication between both sides is key to finding a property that makes you happy. Ongoing talks, negotiation, and working with real estate professionals and sellers all boils down to house viewing etiquette. 

People who list the property for an open house viewing are courteous and will make every effort to charm attendees. Hopefully, with the proper home that fills the prospective buyer's needs,  the customers to purchase real estate.

However, as the one to buy, you should also act appropriately. To build your positive image at an open

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Pearl & Co Business Spotlight

Pearl + Co is a hair salon located in downtown Calgary on 17th Avenue, in the heart of the retail and entertainment district. Jenna Pearl Schmidt started Pearl + Co to provide exclusive services to clients and to build a community where other stylists could learn more about her extension methods. The name “Pearl” is a generational name passed down in her family and pays tribute to the beautiful and supportive women in Jenna’s life.

What Makes Pearl + Co Special?

Hair products in use at Pearl + Co SalonJenna sources products geared towards maintaining hair’s integrity and makes recommendations for the best treatment for each individual client’s hair. Jenna stresses that you always know what you are paying for with each service price broken down into labour time and products.

Pearl +

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How to Celebrate Easter in Calgary — at home

Although the Easter Bunny will be social distancing this year, Easter is still on its way! Wondering how you can celebrate Easter in Calgary when there is nowhere to go? No public Easter egg hunts or locally themed events? Despite this time of social distancing, there are still plenty of unique and exciting ways to enjoy your favourite Easter traditions from the comfort of your own home (and yes, that includes skyping in all of your family members who are also self-isolating)! Take a look at the many ways you can celebrate Easter in Calgary and not miss out on the food, relationships, love, and support that make this holiday so special!

Creating an Easter Dinner Feast That Supports Local Businesses

Having a difficult time finding the ingredients

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Things To Do in Calgary in April

In the past few weeks, life has gone from business-as-usual to a completely different outlook on life that includes staying or working from home, limiting your exposure to the public, and limited access to facilities and buildings throughout the city. Despite the recent changes in attempts to slow the spread of Coronavirus, COVID-19, there is still plenty for you to do whether you are at home or looking to get out of the house for a few hours!

Looking for something to do with the kids? Not sure how to spend your future days at home? Tired of just watching Netflix and scrolling through the news? We have your solution! Take a look at the many different things that you can do in Calgary this April (both at home and out in the world) that will keep you

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COVID-19 Resources & Hotlines For Calgary Residents

Calgary COVID-19 Resources

  • Governmental Resources
    • Government of Canada Resources
    • Government of Alberta Resources
  • Health & Wellbeing Resources
  • Groceries & Food Scarcity Resources
  • Online Grocery Shopping Options
  • Online Educational Resources for Kids
  • Online Resources for Kids
  • Online Community Resources for Adults
Governmental COVID-19 Resources in Canada

Links the Government of Canada & Government of Alberta is Offering for Canadians During COVID-19:

Government of Canada:

https://www.canada.ca/en/department-finance/economic-response-plan.html

Government of Alberta:

https://www.alberta.ca/covid-19-support-for-employers.aspx?

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How to Lower Your DTI to Get the Loan of Your DreamsThe debt-to-income (DTI) ratio is not the only number that lenders use to decide on a candidate, but it is an important tool that can augment the buyer's credit score. Unfortunately, even those with impeccable credit may still miss out on their dream home if their debt levels are too high. Find out more about how to calculate the ratio and what it takes to make it a little more palatable to lenders.

For informational purposes only. Always consult with an attorney, tax, or financial advisor before proceeding with any real estate transaction.

The Golden Ratio

DTI is calculated by debts to income. These debts include the following:

  • Credit card debt
  • Car loans
  • Student loans
  • Mortgage payments
  • Official home fees (e.g., condo, HOA,
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Where Are the Best Retro Calgary Diners to Grab Dinner?

Tired of asking your friends and family where they want to go for dinner? It is a conversation where everyone has a different opinion, and every time it ends up resulting in going to a place that no one really loves in particular but that everyone knows.

Well, it is time to introduce something new with something old! If you are looking for an amazing new place to eat in Calgary, then check out some of the retro Calgary diners in and around YYC. These gems have been around for years and are still serving locals with some of the best eats in town! Re-introduce retro experiences and great eats into your outings with these local spots that will satisfy every craving - talk about a #throwback!

Phil's Family Restaurant

Phil's Diner in Calgary

Of the many remaining

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Pubs to Celebrate St. Patrick's Day in Calgary

On March 17th, Calgary will turn green in celebration of the famous Irish holiday, St. Patrick's Day! While this day has historic cultural and religious roots, it has become a day experienced not only by the Irish, but everyone across the country! It is a time to come together with friends, don green apparel, decorate yourself in shamrocks, and drink a green beer! Looking for the best pubs (or other establishments) to celebrate St. Patrick's Day in Calgary? Take a look at these local hotspots that will be sure to help you "feel the luck of the Irish" and in and amongst the green, will keep you invisible from pinching leprechauns!

Ceili's Irish Pub and Restaurant (Green Beer)

Ceili's Irish Pub & Restaurant

It doesn't get more authenticly Irish than the most recognized Irish

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