4Rent – Ottawa and Gatineau – November 19, 2022

latitude RENTAL LIVING CLOSE

TO IT ALL

live here, go anywhere

A new 20-storey residential rental in the Frontier community, Latitude o ers spacious, open-concept suites with designer-curated interiors. These modern rental residences feature custom-designed kitchens with stainless steel appliances and quartz countertops, in-suite laundry and private balconies. Ideally located next to the Blair LRT Station and a 10-minute walk away from RioCan’s Silver City Gloucester, Latitude is your connection to the city and your home to it all.

Find a suite that suits you perfectly. From studios to one-bedroom and two-bedroom plus den suites, explore our selection of oorplans to discover the home that’s right for you. 833-894-0456

A new 20-storey residential rental in the Frontier community, Latitude offers sp acious , open-concept suites with designer-curated interiors. These modern rental residences feature custom-designed k itchens with stainless steel appliances and quartz countertops, in-suite laundry and private balconies. Ideally located next to the Blair LRT Station and a 10-minute walk away from RioCan’s Silver City Gloucester, Latitude is your connection to the city and your home to it all.

Find a suite that suits you perfectly. From studios to one-bedroom and two-bedroom plus den suites, explore our selection of fl oorplans to discover the home that’s right for you. 833-894-0456 • livingatfrontier.com/latitude

livingatfrontier.com/latitude

Lookup ID: 4R11417 at 4Rent.ca

Lookup ID: 4R11417 at 4Rent.ca

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MANAGER CUSTOMER SALES & SERVICE Marilyn Watling marilyn@mediaclassified.ca

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DIRECTOR OF PRINT MEDIA Lauren Reid-Sachs

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area maps

Use our colour coded regions to find the rental area you’re interested in. All our ads are organized by regions easily located by the matching colour tabs.

GATINEAU

EAST

A new 20-storey residential rental in the Frontier community, Latitude offers sp acious , open-concept suites with designer-curated interiors. These modern rental residences feature custom-designed k itchens with stainless steel appliances and quartz countertops, in-suite laundry and private balconies. Ideally located next to the Blair LRT Station and a 10-minute walk away from RioCan’s Silver City Gloucester, Latitude is your connection to the city and your home to it all. Find a suite that suits you perfectly. From studios to one-bedroom and two-bedroom plus den suites, explore our selection of fl oorplans to discover the home that’s right for you. 833 894 0456 • livingatfrontier.com/latitude

Lookup ID: 4R11417 at 4Rent.ca

5 tips for dealing with inflation

Four in 10 Canadians re port that money is a dai ly concern for them, and one third of low-income Canadians admit to worrying about money almost constantly. With inflation at its highest level in more than 30 years, it’s more

important than ever for us to be come financially literate. Here are 5 money saving tips to help keep you afloat.

build a budget

The first step towards finan cial security is to create a budget

that you can stick to. Your budget should track all of your income and expenses, including food, housing, transportation and entertainment. If your monthly expenses exceed your income, you’ll either need to cut back on spending or find ways to bring more money in.

cut back on frivolous spending

It’s become a bit of a cliché to ad vise people to stop buying takeout coffees to save money. And it’s true: with tax and tip a coffee can easily cost $5 to $10. But don’t make your self miserable. If that cup of java is

a daily indulgence that makes you happy, look for other small ways to cut back that can add up to big sav ings.

avoid high-interest payments

Credit cards are a handy way to pay for things and can even earn you cash back or other rewards. But the interest rate on credit cards is very high, often 20 per cent or more. And, if you don’t pay off your full balance monthly, the interest is charged from the date of purchase.

If you can’t pay your credit card bills in full, see if you qualify for a line of credit. These have much lower interest rates so you can start paying down your debt.

use coupons

Using coupons is a great way to lower the cost of staple items such

as groceries, diapers, personal hy giene products or to splurge on an occasional fast-food treat.

In addition to the printed cou pons that come in the mail or news papers, there are numerous online resources for coupon clipping.

shop on sale

Hold off on purchasing bigger ticket items until they go on sale. Most retailers have recurring sales promotions on certain items. A sales associate may be able to let you know when the next cycle will start. And make note of upcoming seasonal sale periods such as Black Friday and Cyber Monday.

ABC Life Literacy Canada’s Money Matters program offers free workbooks, activities and work shops to help Canadians better manage their finances. Learn more at abcmoneymatters.ca. ■

Hold off on purchasing bigger ticket items until they go on sale. Most retailers have recurring sales promotions on certain items.

credit ratings and why they matter

In the Canadian financial sys tem, credit history is king. Without, it’s hard to secure most cell phone plans or rental agreements, which is why learning about credit and how to build a credit history is essen tial for all Canadians – especially newcomers.

Like many seeking their first credit card in Canada, newcom ers might expect to receive a lower credit limit. This can be frustrat ing when it’s clear that access to a higher limit can help improve your credit score and is more efficient for larger purchases.

“Newcomers receive less sup port and education around credit than they would for other facets like finding a job or housing,” says Amit Brahme, senior director of the Newcomer and Cultural Client

Segment at RBC. “Something many of us who are used to the system overlook is just how critical credit education is to settling down in Canada.”

Since regularly using a credit card helps to build credit history –and credit history paves the way for future purchases, such as rent, pur chasing a car and eventually own ing a home – it’s worthwhile to seek a banking partner that provides ac cess to higher credit limits with no credit history required.

pay your bills on time, pay back loans, etc. The higher the score, the more likely a bank or other lender is to approve a loan re quest. Loans can go towards things such as opening a busi ness, continuing your education or securing a mortgage.

2. How it’s calculated: Multiple fac tors are taken into consideration, such as your payment history, the length of your credit history and your used credit vs. your avail able credit.

1. What it is: A credit score is simi lar to a report card for your fi nances that represents your credit risk - the likelihood that you will

3. How to use it: Ensure all bills are paid on time and in full and, if possible, try not to max out your credit limit each month. To im prove your credit score, it’s best to use up to 30 per cent of your overall available credit.

For more information, visit rbc. com/newcomers. ■

here are the top three important things for anyone to learn about credit in Canada:

Welcome to Elmvale Acres, Ottawa’s best-kept secret. This quiet, traditionalstyle neighbourhood invites you to put down roots and start a life built on the best of yesterday and the promise of tomorrow.

Luma infuses bright, contemporary design into a classic neighbourhood sett ing; think mature trees, quiet side streets, families and a host of helpful and exciting amenities, like grocery stores and the Ottawa Hospital’s general campus, mere minutes from the bustling heart of downtown Ottawa. 877-756-910

Welcome to Elmvale Acres, Ottawa’s best-kept secret. This quiet, traditionalstyle neighbourhood invites you to put down roots and start a life built on the best of yesterday and the promise of tomorrow. Luma infuses bright, contemporary design into a classic neighbourhood setting; think mature trees, quiet side streets, families and a host of helpful and exciting amenities, like grocery stores and the Ottawa Hospital’s general campus, mere minutes from the bustling heart of downtown Ottawa.

winter moving tips

BY CHUCK RESNICK

Moving when ice and snow are in the daily forecast isn’t a popu lar choice for many Canadians. It’s cold and slippery; but with some extra safety precau tions, winter moving also has many advantages.

slow season. Likewise, less rush and stress for companies in the winter means you get their best em ployees resulting in a higher quality of service.

With everything booked, now comes the packing. Follow these tips for a relaxed and toasty move – no matter what’s going on outside those frosted windows:

• Have a contingency plan. Keep up to date with local weather forecasts and change your plans accordingly. If a big snowfall or freezing rain is expected the morning of your move day, don’t risk it.

sitioned as close to your front door as possible. Lay plywood down on muddy or slushy ar eas. Slipping can not only lead to dropped boxes and broken possessions but also to personal injury.

• Allow extra time on the move day – cold weather slows things down. Additionally, rushing in the winter can lead to accidents and injuries.

Moving last minute? No prob lem, if it’s during the cold months. Choosing to move in the “off sea son” – sometime between Novem ber and March – can save you time and money.

Summer is the busiest season for moving companies. This means you must be well prepared, book ing six to eight weeks in advance to ensure your preferred moving com pany is available. Not only are they in higher demand, generally, their rates are also more expensive.

Some companies may be more willing to negotiate their rates dur ing the winter months as they’re competing for business during the

• Keep cozy. Carry extra warm clothes for you and your family –including hats, gloves and snow pants. Pack these ahead of time and clearly label them so you can locate them immediately.

• Remember your items will be in a non-heated environment for a while. Ensure your plants, elec tronics and liquids are properly packed and protected from the cold.

• Have driveways and sidewalks cleared of snow before the mov ers arrive. Your driveway needs to be ploughed wider than usual – enough to allow the moving truck’s loading ramp to be po

• Quality movers will use floor run ners to protect your floors in high traffic areas. For extra protection inside, cover your floors to pro tect them from tracked-in snow, mud, and salt.

• Drive safe – make sure mainte nance and service on your ve hicles is current. Check the air pressure on your tires and ensure the trunk is equipped with emer gency kits (matches, flashlight, food), blankets, and shovels. Drive slowly with extra caution.

• Be certain that your heating com pany for your new home is aware of your move in day.

Wintertime moving doesn’t have to be wet and miserable. With these reminders, you’ll be packed up, moved and basking in the warmth of your new home before you know it.

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

“Be certain that your heating company for your new home is aware of your move in day.”

the holiday season and annual parties are just around the corner

plan ahead so your holiday spending doesn’t spiral out of control

It’s always an exciting time of year, but that excitement can be dampened by worry if you’re facing a financial shortfall. Here are five ways you can prepare for the holidays without breaking the bank.

party planning

Instead of meeting friends at a res taurant or bar, consider hosting a lowkey potluck at home. You could even set up a rotation schedule for hosting key holidays throughout the year.

dress for success

Tired of wearing the same outfit to every party every year? Rather than paying full retail price, try thrifting or shopping at a consignment store. If you need a one-time fancy outfit, consider a dress or suit rental com pany.

gifts from the heart

Are you a painter, knitter, or have some other crafting hobby? If so, rather than buying presents for friends and family, make your own

gifts. Wherever possible, put a per sonalized spin on things.

And rather than having to buy gifts for all of your friends and fam ily, encourage them to join in on Se cret Santa exchanges.

charitable giving

There’s always a big push to make charitable donations over the holi day season. If you are able to donate to a registered charity, you’ll get a receipt that will earn you an income tax deduction in the spring.

set a budget

The only way you’ll know how much money you’re spending is to create a budget that tracks all of your expenses, big and small. Yet less than half of all Canadians have a budget. ABC Life Literacy Canada’s Money Matters program can show you how to create one. The program also of fers other free money management resources, including workbooks, ac tivities and workshops. Learn more at abcmoneymatters.ca. ■

— News Canada

The only way you’ll know how much money you’re spending is to create a budget that tracks all of your expenses, big and small.

Encourage kids to develop their emotional, creative and communication skills by developing their own skit or play.

snowstorm got you stuck indoors? how to keep the kids busy

As the pandemic stretches on and winter sets in, we’re all going a little stir crazy. If you’re a parent feeling stuck on creative ideas for fun and educational activities to do with your kids, we’ve got you covered.

Here are some suggestions from The Genius of Play, a nonprofit initiative whose mission is to raise awareness about the critical role of play in healthy child development:

play with texture

Kids love playing with sensory textures such as paints, slime, sand and foam, and this helps improve fine motor skills. For tunately, you can now find less messy and sticky versions of these items for a hasslefree cleanup.

revisit favourite games

Consider classic board games like check ers and dominoes, or playing a game of cra zy eights with a deck of cards. These games teach the importance of sharing and good sportsmanship while helping kids learn to strategize and plan ahead.

experiment with costumes

Encourage kids to develop their emo tional, creative and communication skills by developing their own skit or play. Maintain a well-stocked costume trunk that they can

use for dress-up and have toys on hand to use as props.

build new things

Whether your child prefers following step-by-step instructions or using their imagination, designing, creating and play ing with construction toys can build prob lem-solving, spatial and fine motor skills.

create an obstacle course

Building a safe obstacle course is a fun way to keep little ones active indoors while build ing core muscles and developing balance. Pick three to five exercises to get their energy out.

check out STEAM toys

Play with science, technology, engineer ing, arts and math (STEAM) toys and games. For example, use a science kit to erupt a vol cano or code a robot. These important educa tional experiences can be fun supplements to classroom learning.

transform tidying up

It may not sound like play at first glance, but cleanup can be fun with the right atti tude. Put on music and have kids dance as they put toys away, make the bed and help with chores. Or, make a game of it, racing each other to complete tasks.

Find play ideas, expert advice and other play resources at thegeniusofplay.org. ■

Leamy Lake

how to maintain our apartment buildings

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.

rental-housing provider responsibilities

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 replace it.

Additionally, 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

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