4Rent – Calgary – April 28, 2023

Family living with nearby parks and trails

See page 3

820

5 AVE SW.

3 SPOTLIGHT

FIRESIDE PROPERTY GROUP LTD. – Heritage Place: Located downtown, Heritage Place offers mountain views, nearby parks and trails. Perfect for family living.

ACCOUNT MANAGER

Carolyn Porteous carolyn@mediaclassified.ca

780.984.4902

GROUP SALES MANAGER

Randi Segal randi.segal@mediaclassified.ca

MANAGER CUSTOMER SALES & SERVICE

Marilyn Watling marilyn@mediaclassified.ca

PRESIDENT & PUBLISHER

Leo Racioppo leo@mediaclassified.ca

CHIEF OPERATING OFFICER

John Racioppo john@mediaclassified.ca

ACCOUNTING INQUIRIES accountingteam@mediaclassified.ca

CIRCULATION INQUIRIES distributionteam@mediaclassified.ca

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Alicesa Pullan

GRAPHIC DESIGNER

Johannah Lorenzo

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Fireside Property Group

If you are looking for an experienced property management company that exceeds your expectations in Calgary, Alberta –look no further than Fireside Property Group. With a focus on providing superior, client-focused management services and a commitment to foster win/ win relationships between property owners and their residents, Fireside Property Group embraces and deploys the best practices and highest business standards in the property management industry.

Fireside Property Group has rentals available that offer the perfect combination of accessibility and convenience, in conjunction with local amenities and services that you depend on. As a leader in the property management industry in Calgary, they create an unparalleled renting experience that places a focus on the needs of their tenants and creates a community that provides an excellent experience. Although headquartered in Calgary, Alberta – Fireside Property Group also has available rentals in Edmonton and Sudbury, Ontario.

The properties available to rent under their management team offer nothing but quality residential accommodations and a rental price point you will love. Well maintained and regularly updated, residents can be confident that will they will be renting with a company that knows and understands what they want and need most out of a rental property.

As a licensed Real Estate Broker, a former president of the Calgary Residential Rental Association, and with over 20 years of experience, Fireside Property Group is lead by the president, Keith McMullen, BA. President McMullen has created a company that identifies the needs of renters

and provides an exception high-quality rental experience.

President McMullen was formerly responsible for managing Prestigious Properties growing portfolio of multifamily assets in Western Canada. Before working at Prestigious Properties, Mr McMullen worked and managed for Gateway Property Management, Canada’s largest property management firm. As well as TransGlobe, Canada’s 3rd largest apartment building owner, and Realstar Management Limited, President McMullen carries an impressive level of understanding and knowledge surrounding the property management industry.

Renting an apartment is not just about a place to live – it is about your lifestyle. When you rent from Fireside Property Group in Calgary, you can feel confident that you have picked a company that keeps your needs in mind. With a focus on responsibility and reliability, their business is not just about providing apartments for rent – it is about the people who live in them and providing them with a premium rental experience unlike any other.

Are you on the hunt for your next perfect rental apartment? Choose a property management company that has built their business with you in mind – pick Fireside Property Group. ■

Keith McMullen, BA, President

how insurance works

While it may seem complex, insurance is really quite simple: The payments (or premiums) of the many, pay for the losses of a few. Your premiums go into a large pool, if you will, at your insurance company. The claims of the few are paid from that pool. Because there are more people contributing to the pool than there are making claims, there is always enough to pay the claims – even large single claims like when someone is permanently disabled as a result of a car collision, or many

smaller claims like those resulting from a natural disaster. (The 1998 ice storm that hit parts of Ontario, Quebec and New Brunswick resulted in an estimated 700,000 claims for damage totalling $1.4 billion.) However, large disasters (such as the ice storm) do come close to emptying the pool.

insurance for insurance companies

Even when the pool comes close to emptying, there is another pool from which insurance companies can draw to pay claims. Some of your premi-

ums are used by your insurance company to buy reinsurance – insurance for insurance companies. Sometimes losses are so big – like those resulting from an earthquake – that there is no way an insurance company can cover the costs. Reinsurance is an extra layer of protection against large losses.

annual replenishing

Your insurance is an annual contract, so the pool operates for only one year at a time. Your premiums and the premiums of others are based on how much money the insurance

companies think they will need to pay the coming year’s claims. Your premiums do not build up over the years – unlike the premiums for some types of life insurance.

how premiums are calculated

Within reasonable limits, some of which are prescribed by law, your premium is calculated to reflect the probability that you will make a claim – that is, that you will draw funds from the insurance pool. Those who are unlikely to draw from the pool pay less than those who are more likely to draw from it.

Insurers take many factors into consideration to determine the like-

lihood that you will make a claim. A common misconception is that a policy holder who has never made a claim should pay less, little or nothing for insurance. While it is true that past claims history is important, a more reliable indicator of how likely a person or business is to make a claim is the statistical group to which he/she/it belongs.

industry earnings

Insurance companies generally do not make money on the premiums gathered from policyholders. In 2005, insurance companies paid more than $21 billion in claims while taking in $35 billion in premiums. The difference between the premiums

and claims, in this case $14 billion, is used by the companies to pay salaries and taxes ($6.2 billion in 2005), and to cover the overhead costs (such as electricity bills) of running a business. It is also used to pay the administrative costs of settling a claim.

insurance pays for…

Insurance pays for only those types of losses described in your contract. It is very important that you read your policy and/or talk to your insurance representative about what you are covered for and what you’re not. Insurance will not pay for every problem that you may encounter, nor is it a maintenance contract. Insurance is generally intended – and priced accordingly – to help policyholders cope with the financial consequences of unpredictable events that are “sudden and accidental.” If, for example, you live on a floodplain by a river, flooding of your property in the spring is not sudden or accidental; it is inevitable and, therefore, uninsurable.

The Insurance Bureau of Canada offers information for consumers to help make them aware of their insurance needs and assist them in understanding the types of insurance available. They are the national industry association representing Canada’s private home, car and business insurers. Its member companies represent 90 per cent of the property and casualty insurance market in Canada. For more information visit ibc.ca. ■

— Courtesy of the Insurance Bureau of Canada April 28–May 12, 2023 4Rent.ca

3 design tricks to make your

entryway standout

First impressions are made at the front door, and the entryway gives guests their first glimpse of your interiors. To help you make a strong statement, Sharon Grech, Benjamin Moore colour and design expert, shares three tips for creating a memorable entryway that will set the tone for your entire home.

a fresh coat of paint

A great starting point for sprucing up this focal point is by adding a fresh coat of paint to the front door and trim, inside and out. Of course, freshly painted walls in a coordinating colour will keep the space looking sharp and make your home even more inviting.

“Whether you prefer neutral, bright or bold hues, using multiple

shades of the same colour is a great way to add dimension without causing a cluttered look,” explains Grech. When using bold shades like blue and red on the front door, it is important to keep in mind that the colour is only as good as the quality of paint you’re using. Benjamin Moore Aura Grand Entrance provides a rich, lustrous finish and is great for interior and exterior use.”

accessorize with stripes

Entryways can often follow a cookie-cutter design scheme with little to no pattern. To give yours more personality, try accessorizing with stripes. “Stripes can visually elongate even a small foyer, and rugs are a great way to incorporate this trend and define the space,” says Grech. From black and white to multi-co-

lour stripes, this finishing touch will create a striking first impression for your home.

accentuate with lighting

As important as good lighting is for great photos, it’s also essential for home design. Natural light brings life to any space during the day, so keep the windows uncovered or use sheer fabrics in the entryway. Alternatively, if you don’t have a window in your front hall, bring the feeling of the outdoors in with a nature-inspired colour scheme for walls and furniture. “Minimizing contrast will help keep this space looking light, bright and inviting,” advises Grech. For evening light, don’t forget a statement lighting fixture to add a functional beauty. ■

— News Canada

organize and declutter

Clutter can be a major source of stress that affects how individuals feel about their spaces. Psychology Today indicates messy homes and work spaces can contribute to feelings of helplessness, anxiety and overwhelming stress. Clutter bombards the mind with excessive stimuli, makes it more difficult to relax and can constantly signal to the brain that work is never done.

Tackling messes, no matter where they are lurking is not a one-time

project. Much like losing weight and getting healthy, clearing a home of clutter requires dedication and lifestyle changes. With these organizational tips and tricks, anyone can work through their home room-by-room and conquer clutter.

find a place for everything

Clutter creeps up as people accumulate possessions over the years. Over time, failure to regularly go through belongings and thin the herd can lead

to the accumulation of clutter. But clutter also can accumulate if people fail to find a place to put items. Racks for garages, organizational systems for closets and furniture with storage capacity, such as storage ottomans, are some storage solutions that can help people find a place for their possessions.

utilize vertical space when possible

Getting items up and off the floor can maximize square footage in a home. Bookshelves, hanging wall

room-by-room

shelves, hooks, cabinetry, built-ins, and other storage solutions that rely on walls and ceilings are simple and effective storage solutions. Unused space behind cabinet or closet doors are some additional places to store belongings. Hang razors or toothbrushes on medicine cabinet walls and curling irons and other hair tools on the interior of cabinet doors in bathrooms.

create a coding system

Home offices can be some of the more disorganized rooms in a house

simply due to the volume of electronics and paperwork within them. HGTV suggests using a colour-coded system for important files to keep them organized. Label important items, whether they’re paper or digital files, in accordance with your system.

put it away

When you finish using an item, return it to its storage location. This eliminates piles of belongings strewn around the house - and hunting and pecking for missing things. If you

can’t put it away immediately, have a few baskets on hand labeled for the different rooms in the house. Pop the items in the requisite baskets and then routinely take each basket around the house to return the items.

Investing in custom cabinetry and organizational systems also can help people organize their belongings. Tackle rooms such as the garage, basements, bedroom closets, and pantries, or those areas that tend to accumulate clutter the fastest. ■

calling all coffee-lovers

Few beverages are so universally loved as coffee. And there’s no shortage of ways to consume this caffeine-filled favourite: slow drip, hot, iced, foamed – the list goes on. But how about a coffee smoothie? This delicious coffee smoothie is the perfect quick morning pick-me-up. ■

Coffee Smoothie

Prep time: 2 minutes Serves: 4

Ingredients:

• 1 1/4 cup (300 mL) chopped 70% cocoa solids dark chocolate

• 5 large eggs, yolks and whites separated

• 1/2 cup (125 mL) granulated sugar

• 1/2 tsp (2 mL) salt

• 1 tbsp (15 mL) cocoa powder

• 1 jar (375 g) crunchy hazelnut spread, divided

Directions:

1. Combine all ingredients in a blender with ice for 30 seconds.

2. Optional: Add whipped cream and nutmeg sprinkled on top.

reduce exposure to harmful

Volatile organic compounds are emitted by a vast array of products. The Environmental Protection Agency warns that VOCs consist of gases discharged from solids or liquids that produce short- and long-term health effects.

VOCs are particularly troubling because their concentrations are consistently up to 10 times higher indoors than outdoors. Those who spend time inside of homes and businesses may be at risk from concentrated exposure to VOCs.

Notable items that produce VOCs include treated woods, carpeting,

building materials, paints, waxes, fabrics, and varnishes. Since people are constantly breathing in air, and whatever is circulating within it, it’s important for individuals to be conscious of these common offenders.

VOCs can be dangerous because they may cause everything from minor symptoms of headaches, nausea and stuffy noses to more serious conditions like nervous system problems and kidney and liver damage. Some VOCs are known to cause cancer in humans, warns the EPA.

To reduce exposure to VOCs, homeowners are advised to take the following steps.

• Read product labels carefully for warnings against VOCs. Whenever possible, select products that do not emit VOCs.

• Invest in alternative products, such as all-natural cleaning solutions. Many people find that common and safe items like vinegar, citrus oils and baking soda are as effective as chemical cleaners without the same harmful side effects.

• Use an air purifier in conjunction with HVAC systems. Purchase an air purifier that specifically filters out odors and VOCs, which can help people with chemical sensitivities.

VOCs at home

• Rely on natural ventilation when using products that have strong odors or are suspected of emitting VOCs. This can be as easy as opening windows and doors or doing work outside.

• Use a shed rather than an attached garage to store gas cans, pesticides, paint thinners, and other odoriferous materials away from the home. Contact the municipal waste department to learn how to properly dispose of leftover chemical products.

• Rethink flooring materials to include carpeting that is low VOC or alternatives such as washable rugs or hard flooring.

• Don’t forget to fill a home with plenty of live plants. A study from researchers at NASA found that certain indoor plants are effective at naturally purifying air.

• Exercise caution with dry-cleaned clothes. Perchloroethylene is a chemical most widely used in dry cleaning. Air out dry-cleaned clothes before wearing them, particularly if they have strong chemical odors.

Volatile organic compounds can be excreted through various items. Individual s who educate themselves can greatly reduce their exposure to these harmful compounds. ■

VOCs are particularly troubling because their concentrations are consistently up to 10 times higher indoors than outdoors.

5 simple lifestyle to help you through cold and

Fall usually brings the excitement of a new routine, new school year, extracurricular activities and the cool

weather we’re all likely craving after summer heat waves. While things may look a little different this year as we settle into our new normal, the

dreaded cold and flu season will be upon us before we know it.

Making a few small lifestyle changes, like adding plenty of immune-

changes flu season

boosting foods, can go a long way in helping us stay ahead of the flu. These simple steps from Jacklyn Villeneuve, registered dietitian at Loblaws, can

help us reduce our chances of getting the flu and spreading it to others.

fill up half your plate with produce

We know that eating plenty of fruits and vegetables is beneficial for so many reasons, but did you know that their antioxidants are very important for our immune system as well? Vitamin C is just one antioxidant that has a protective effect. So, stock up on nutritious favourites like red bell peppers, broccoli, spinach, garlic, kiwi and citrus fruits.

don’t forget your proteins

Many common food sources of protein like fish, beef, oysters, eggs, beans, nuts and seeds are also rich in zinc. Both protein and zinc are important nutrients for our immune health. Aim to include a source of protein at each meal and snack.

welcome probiotics

Did you know that probiotics in food can help us strengthen our

immune system? Look for yogurt and kefir with added probiotics to make sure you have a strong population of friendly bacteria in your gut. We can also get probiotics from supplements. It is best to talk to your doctor or pharmacist if you are considering taking a supplement.

remember to rest

No foods can act as a substitute for getting a good night’s sleep and making sure you’re finding ways to manage stress. Rest gives our bodies the chance to recuperate and fight off potential invaders.

get your flu shot

Regardless of our food and lifestyle choices, getting the flu shot is something we should all be doing each year. The more people who get the flu shot, the less likely the flu is to be widespread and affect the most vulnerable.

The flu shot is available at all Loblaws locations that have an instore pharmacy. ■

— News Canada

Making a few small lifestyle changes, like adding plenty of immune-boosting foods, can go a long way in helping us stay ahead of the flu.

how to pack safely

BY CHUCK RESNICK

Considering the importance our “stuff” has in making us feel comfortable in our surroundings, these items deserve special thought and care. Thinking ahead is the best thing you can do when it comes to making arrangements, packing, etc. Organization should be your mantra, efficiency your goal.

If you are doing the packing, look ahead to lifting, stacking and unpacking the boxes during your move. People often run to the grocery or liquor store to pick up cartons, and then use newspaper as cushioning. Although this approach can save you a few dollars, in the long run, you may pay for it in stress, time and broken items.

cushion your things, especially fragile items. People often cram too much in each box in an attempt to keep the number of cartons down. As good as that sounds, it can backfire, as too many items with not enough cushioning may shift during transportation and damage each other. In addition, someone will have to lift each box and place it into the moving vehicle.

tissues, dish liquid, etc. into the car. You should also carry valuables such as jewelry, your laptop, important papers and the like separately from the bulk of your items.

Instead, think about purchasing cartons and packing paper from the professional mover you’ve chosen. The boxes come in uniform small, medium and large sizes, which are easy to stack in a moving truck or van. Trust me, this convenience is huge on moving day. Unlike newspaper, packing paper does not leave behind ink that then has to be cleaned during an already hectic time in your life.

During the packing itself, be generous with whatever you are using to

Packing too many heavy items into one container can result in no one being able to pick it up, or worse yet, the box breaking from the weight. Common sense dictates that heavier items be packed in smaller boxes, and vice versa. And did I mention labeling?

Again, a little common sense goes a long way to success at the other end. When you pack the moving vehicle, remember to place the boxes you’ll need first, last—and label accordingly with the contents and which room it goes into. Even better, if you are driving to your next residence, place things such as garbage bags,

Another way to apply common sense to packing is to look at each item with the thought, do I really need or use this? Especially if you are moving from a house into a condominium suite or apartment, paring down possessions is important. The fewer things you move, the less your move will cost in terms of time and money. And speaking of money, if your budget allows, hire movers to do your packing and transporting. We do this every day, and we have it all down to an efficient system. Professional movers want our moves to go smoothly as much as our clients do.

Everyone is born with common sense, but few use it. If you are planning a move, I encourage you to be one of those savvy few! Visit www. twomen.ca for a location near you. ■

Chuck Resnick is vice-president, marketing and operations at Two Men and A Truck – Canada®

When it comes to moving, a little common sense goes a long way in transporting your belongings to your destination so that they arrive in good shape and on time.

Common sense dictates that heavier items be packed in smaller boxes, and vice versa.