4Rent – Greater Toronto Area – September 24, 2022

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3 tips for hitting your savings goals

Saving looks different for ev eryone. Maybe it’s putting away every spare dime for a major purchase, or saving what you can, when you can into a rainy-day fund. No matter what your savings goals look like, focus on getting there a little faster with these three tips:

mould your savings to your budget, not your budget to your savings

Like any habit, saving money takes time and discipline, and un realistic expectations mean you may be disappointed when you don’t save as much as you were hoping to.

To achieve your goals, don’t make any decisions about how much you want to save until you’ve done a "triaged budget". That means ranking all regular, monthly expenses from the es sential to the “nice-to-haves.” See how much is left over, and if that number feels too small, reassess some of the items that are lower on your budget. This will help you put your goal in context and better set you up for success.

make shopping lists — and stick to them

Nothing kills your savings like impulse spending, which can also wear away at the good habits you’ve started to build. Combat im pulse buying by leaving the house with a budgeted list and stay com mitted to it. If you want some ad ditional flexibility, factor in some

room for impulse choices, so your prepped and ready when you go shopping.

professional help is a great option

Nobody has to come up with a financial plan or budget alone. Talk ing to a financial advisor is the best way to set and achieve long-term savings goals that work for your lifestyle. The earlier in your savings journey you see a financial advisor,

the greater impact they can have to get you on the right track.

Find a trusted advisor and more information at td.com. ■

Like any habit, saving money takes time and discipline, and meanexpectationsunrealisticyoumay be disappointed

5 tips to get your family into a new routine

Adjusting to a new rou tine can be difficult, especially for children and pets. Whether it’s going back to school or starting a new job, change can cause anxiety and stress. However, with proper planning you can ease everyone in gradually instead of all at once.

1. Build a schedule as soon as you anticipate a change, so you can ease your family into a routine. Discuss the timetable and agree on a date to begin implementing changes slowly.

2. Your new schedule can only succeed if everyone is coop

erative and does what they are tasked to do. Set goals for family members that are real istic and attach a timeline, so everyone knows when they are to be met. This will ensure ev eryone is held accountable for their promises and the success of this transition. Set up fam ily meetings to celebrate mile stones and to keep everyone motivated.

3. Set phone reminders, place postit notes in main family areas, or use the end of a television pro gram to prompt an action, like a bedtime routine, dinner prep,

walking a dog or changing a litter box.

4. Introduce new people gradually. If you need a sitter, see if they are compatible with your child or pet. Make sure you are present the first few times a sitter is over, so kids and pets can build trust and respect.

5. If you have pets, practicing alone time is key as they need to time to understand you’ll come back. To avoid separation anxi ety PetSmart suggests practic ing leaving and coming back, all while gradually increasing the amount of time you stay away. ■

It’s where youwant to live.

With rental locations across the GTA, there is a community a suite that will be easy to call home.

110TORONTOWillowridgeBEDROOMFROM

1AETOBICOKE&1BRichview Road

$1700

2 BEDROOM FROM $1950 416-249-2541

Lookup ID: 4R1419 at 4Rent.ca

2247MISSISSAUGAHurontario Street

2 BEDROOM FROM $2200 647-556-2331

Lookup ID: 4R1452 at 4Rent.ca

NORTH YORK 55/65

Lookup ID: 4R1451 & 4R1431 at 4Rent.ca

2 BEDROOM FROM $2150 647-694-2905

Lookup ID: 4R1448 & 4R1438 at 4Rent.ca

25/39 Richview Road

1 BEDROOM FROM $1900 647-694-2905

Lookup ID: 4R1444 & 4R1439 at 4Rent.ca

1,SCARBOROUGH11,20,30& 41

Antrim Crescent

1 BEDROOM FROM $1660

2 BEDROOM FROM $1990 437-290-1892

Lookup ID: 4R1432, 4R1433, 4R1434 & 4R1447 at 4Rent.ca

BY CHUCK RESNICK

Moving an elderly loved one can be tough.No one wants to upset that person and everyone wants the move to go as smoothly as possible. This can seem like mission

Theimpossible.childrenand families of the Baby Boomer generation – people born between 1946 and 1960 – are already helping their loved ones move into downsized or elderly assistance accommodations and often are not emotionally prepared for the task at hand.

Senior loved ones can be very set in their ways and often are not well equipped to express their emotional frustrations in a constructive way as moving day draws closer.

It all can seem like a daunting task.

Over the years, we have packed and moved many seniors and the important thing is to stay organized, be patient, calm and respectful throughout the entire moving process.Ifyou are moving a senior loved one into a retirement facility or a condo, you should first contact the management to find out what they are allowed to bring in, appropriate moving hours and if they have any tips specific to their facility to help smooth the moving process.

Remember the following: organize, begin packing weeks in advance

If your loved one is moving from a large home to a one-bedroom condo, there will be more furniture than needed. Get a floor plan of the new space and help your senior plan the space with their favourite furnishings, then help them decide what to do with the left overs. If the item is a family heirloom and cannot be accommodated in the new space, suggest giving it to a close family member like a favourite grandchild.

sort before you pack

Seniors tend to collect things they don’t need or use. Be sensitive when suggesting to get rid of possessions. Ask if they use the item and if they would mind if you donated it to raise money for the Salvation Army, for example. Start packing early to avoid feeling overwhelmed as moving day draws closer.

pack, clean as you go

When helping sort and pack your senior’s belongings keep in mind that their eyesight and reduced mobility prevents them from doing regular chores and can result in poor housekeeping habits. Instead of commenting, offer to clean as you pack and try not to be judgmental.

you will need more time than you think

Allow enough time so your loved one doesn’t feel rushed. Sorting through years of stuff is difficult and sometimes emotionally painful. Allow your loved one time to say goodbye. If they take longer to clean out the desk drawer because they found a stack of pictures, let them take the time to walk down memory lane. This is a very important part of the process. Be patient and listen to their life stories, there will come a time you will be glad you did.

wrap small items in coloured paper

This prevents items like knickknacks from becoming lost or mistakenly thrown out.

label boxes on top and sides

Make sure to mark the top and sides of boxes as they’re packed and write in large letters to make it easier for your loved one to read.

Make sure to label boxes containing breakable or sentimental items as ‘fragile’.

pack all electronics in the original boxes

Otherwise, use low-static bubble wrap when packing these items.

use packing paper

When wrapping fine china and precious items, do not use newsprint because the ink can bleed.

seal with packing tape

This makes it easier to stack and protect your senior’s belongings.

use boxes designed for items you are packing

Invest in dish packs for dishes and wardrobe boxes for clothing. Wardrobe boxes make it easy for seniors to access their clothing on hangers.

check clothingunwantedbeforedonating

It’s a good idea to sort unwanted clothing for donation prior to moving. Before donating any gently worn unwanted clothing, check pockets for valuables. Seniors often hide small valuable items like jewelry or cash in the pockets of suit jackets or shoes and forget where they hid it.

make your loved one’s new space feel familiar

Take pictures and colour samples of the inside of their current home. Try to decorate the new space and place objects in a similar way, so that their new space will feel like the old one. Be as detailed as you can, from arranging the bedroom furniture to placing family pictures on the bureau. This will help make the new surroundings feel like home. n

Chuck Resnick is vice-president, marketing and operations at Two Men and A Truck – Canada® 24–October 8, 2022 4Rent.ca

something to smile about easy tips for healthier teeth

Confidence

starts with a beautiful, healthy smile. From maintaining healthy gums to keeping your teeth pearly white, smile care can be the ultimate form of self-care.

Here are four tips to help you achieve your best smile.

create a routine

Follow the “rule of two” for a brighter smile: brush your teeth at least twice a day for two minutes per session and visit your dentist twice a year.

don’t forget to floss

Proper flossing removes plaque and food particles between your teeth where a toothbrush can’t eas

ily reach. Because plaque buildup can lead to tooth decay and gum disease, dentists recommend floss ingWhendaily.flossing,

gently curve the floss around the base of each tooth, moving the strand up and down to left and right. Pro tip: if you tend to skip flossing before bed, try do ing it right after a meal instead.

give your gums some love

The foundation of a healthy smile is rooted (literally) in your gums. Your smile just isn’t as strong with out a stable foundation. That’s why it’s important to take care of your gums. Brushing with a toothpaste like Colgate Renewal Gum Revital

ize helps reverse early gum damage and fight bacteria that can cause early gum disease.

maintain your healthy habits

Taking care of your mouth, teeth and gums can help prevent bad breath, tooth decay and gum dis ease. Resolve to practice good oral hygiene every day — remember, you’re making an investment in your oral health, not just for now but for your future, too. At a time when we’re all focused on main taining our health, it’s comforting to know that little daily changes can have an impact. ■

how to ourmaintainapartmentbuildings

Maintaining apartment buildings is important for tenant safety and well-being. Rentalhousing providers have an obligation to their residents to make sure that they are living in quality units that feel safe and comfortable. Maintaining an apartment building may seem straight forward and easy, but it takes a lot of planning, financial support and dedication from owners, managers, and on-site staff alike to ensure that their tenants live in quality homes. However, maintaining an apartment building is a communitywide responsibility. While rentalhousing providers are seen to have the biggest responsibility when it comes to maintaining an apartment building, the tenants also have a responsibility of supporting that maintenance by cooperating with management to ensure that buildings stay in a good state and repairs are conducted in a timely manner. Our buildings are homes to all of us, and we need to work together to keep them in good condition.

According to the Residential Tenancies Act (RTA), both the rentalhousing providers and the tenants have an obligation to maintain and repair the rental property. It is important to note that these obligations are true for any and all rental agreements.

providerrental-housingresponsibilities

The rental-housing provider has responsibilities that include repairing and maintaining the property and meeting property standards. The provider should always keep the building in good condition. Electrical, plumbing and heating systems should be always functioning, as should appliances, windows, doors, locks, lighting, garages, laundry rooms and other amenities offered. Walls, roofs, ceilings, carpets and walkways should be repaired as needed as well to withstand the test of time. In the case that something stops functioning due to wear and tear, the onus is on the provider to replaceAdditionally,it. the rental-housing provider needs to keep the property clean, which ranges from making sure common areas are tidy and clean to taking care of any pest issues. Property standards are outlined in municipal bylaws and provincial maintenance standards.

Rental-housing providers should also make sure that their building follows fire safety laws as outlined by local fire departments.

Finally, the provider should also maintain and not interfere with vital services, which include hot/ cold water, fuel, electricity, gas and heat (during specific months).

The provider needs to make sure that they are always supplying these services regardless of specific situations such as overdue rent.

tenant responsibilities

The tenant should keep their rental unit clean. As long as the state of the unit does not have an effect on other tenants, the cleanliness of their unit is generally left to their own judgement.

In case of damages that are not due to normal wear and tear, but due to damage by the tenant or their guests, the tenant will be required to pay for the repair or take care of it themselves.

The maintenance of the apartment building relies on the strong relationship between the rentalhousing provider and the tenant. It is great communication between the two parties that ensures the maintenance of the building. If there is a problem, the first thing a tenant should do is notify their rental-housing provider to help solve the issue. And rental-housing providers should do the same thing. If the tenant is not keeping up with standards, the rental-housing provider should ask the tenant to make changes as necessary to fix the problem.

For more information on how to maintain your apartment building whether you are a tenant or a rentalhousing provider, visit the Tribunals Ontario website. ■

— The Federation of Rental-Housing Providers of Ontario

Lookup at

Whet your appetite and see what you can whip up for lunch with this simple and deliciousSeasoningsandwich.the delectable fried haloumi cheese with zingy yet earthy za’atar is just what’s needed as winter comes to an end.

When layered on naturally fermented bread, the flavours of the middle eastern spice blend – comprised of oregano, thyme, sumac and sesame – truly come alive. Serve with kombucha to add more tangy flavour into the mix.

■

Middle Eastern recipe you can make for lunch

Za’atar Haloumi Sandwich

Prep time: 5-10 minutes Cook time: 10 min Serves: 6

Ingredients:

• 12 oz (340 g) Haloumi, sliced into 1/4” slices

• 2 tbsp (30 ml) extra virgin olive oil divided

• 1 lemon

• 2 tsp (10 ml) za’atar

• 3/4 cup (175 ml) hummus

Directions:

• 6 tbsp (90 ml) olive tapanade

• 3 Roma tomatoes, sliced

• 1/2 red onion, thinly sliced

• 3/4 (175 ml) cup microgreens

• 1 loaf (12 slices) Stonemill Bakehouse Chia and Supergrain bread

1. Heat a grill pan over medium heat with olive oil. Add the haloumi, cooking on each side until you have nice grill marks. Do this in batches if needed so as not to crowd the pan.

2. Add a pinch of salt, pepper, za’atar and lemon zest. Before removing from the pan, add a squirt of lemon juice. Set aside.

3. For each sandwich, add two tablespoons of hummus on one slice of 4.bread.Add a tablespoon of olive tapenade onto another slice of bread. Layer the tomatoes, haloumi, red onions, and microgreens.

5. Serve with mint and chlorophyll kombucha. Find more information at stonemillbakehouse.ca.

• Internet ready

• On-site laundry

• On-site staff

• Outdoor parking

• Park views

• Parks nearby

Living the country life just 30 minutes from Kitchener! This quality condominium rental complex is located in the thriving & growing town of Listowel. Affordable, clean & undergoing extensive ongoing renovations & updates, this property is ideal for mature or retired individuals, as well as professionals who commute to Kitchener/Waterloo, Guelph, Stratford or the London area. Backing directly onto nature trails & green space, you are within a short walk to local schools & churches. All major shopping, banking & retailers are located directly in Listowel including Walmart, Canadian Tire, Zehr’s, Shopper’s Drug Mart & several Tim Horton’s! There is also a beautiful downtown core along with a local hospital. This development boasts spacious 1, 2, and 3 bedroom suite designs with laundry facilities on each floor. With continuing upgrades & renovations, this charming location will continue to be an attractive and affordable place to call home. Our friendly staff is on-site 24/7. Located on the scenic Perth Country Trails system, you can enjoy everything nature has to offer, small town charm & friendliness and still be close to the city! Inquire today!

Water & heat are included; hydro (electricity) is extra.

• Schools nearby Shopping nearby 4 (1.855.37SIREG)

Through attention to detail, way our properties are think door to

The Torontonian Dunfield Avenue

Studio / 1 Bedroom / 1 Bedroom + Den Bedroom / 3 Bedroom Media Room Fitness Centre Bike Storage Guest Suite Parking Laundry Facilities Rental Lockers Tuck Shop

EMAIL torontonian@shiplake.com

PHONE 416 932 6350

LOOKUP ID: 4R2128 at 4Rent.ca

Balliol Park

Lillian Park Balliol Street Davisville Avenue

EMAIL balliolpark@shiplake.com

Studio / 1 Bedroom / 1 Bedroom + Den Bedroom / 2 Bedroom + Den

PHONE 647 351 8118

LOOKUP ID: 4R9517 at 4Rent.ca

Rental Office / Showroom Lillian Street

Studio / 1 Bedroom / 1 Bedroom + Den Bedroom / 3 Bedroom Indoor/Outdoor Art Rooftop Pool BBQ Lap Pool Fitness Centre Yoga Studio Room Rooms Gallery Pool Centre Rooms Theatre Room Billiards Room

EMAIL lillianpark@shiplake.com

PHONE 437 229 3455

LOOKUP ID: 4R9532 at 4Rent.ca