March 2017 t8nmagazine.com
Is Home Where the Tenant Is? The Business of Income Suites
Ready, Set, Paint!
At Apple Box Design Studio
Meet Lisa Alary
Floral Designer, Business Owner & Inspiration
Feeling Uninspired?
It’s Shabby-Chic Style to the Rescue
8 Great Tips for Getting Home-Inspection Ready
March 2017
Contents CONVERSATIONS 6 Home Is Where the Tenant Is
The business of income suites
ARTS & CULTURE 30 Meet Lisa Alary
A T8N interview
32 THEN & NOW Pineview CITY Then & Now 11 A New Take On an Old Look 34 THE 8s Reimagining furniture at
Apple Box Design Studio
Shabby 2 Chic Wedding Rentals A style that’s always on trend
16 MEET YOU THERE
19 COMMUNITY CALENDAR LIVING 23 FOOD & GATHERINGS
Roll with It Recipes your taste buds will flip over
28 TRULY DEEPLY MADLY
May We Suggest… Painting Pointers You Won’t Brush Off
ABOUT THE COVER The secret of change is to focus all of your energy not on fighting the old, but on building the new. –Socrates IMAGE BY BRENDA LAKEMAN PHOTOGRAPHY
Failing to Plan Is Planning to Fail 8 tips for getting home-inspection ready
TRENDING 38 Defining Your Style
Know it, see it, love it!
40 Home Equity (n.)
Raising your stake in home ownership
T8N March 2017  3
From the Editor T8N MAGAZINE
“CUPC AKES ARE MUFFINS that believed in
miracles.” That’s the message that greeted me when I woke up my computer and looked up at my social-media feed. My initial reaction? Holy red-velvet-coloured sunglasses, Batman! So, yeah. Let’s just say I’m not quite there yet. But that’s not because miracles are something I scoff at. I’m just more of a take-charge kind of person—a doer. Someone who believes that the secret of change is CARMEN D. HRYNCHUK to focus all of your energy not on fighting the old, EDITOR-IN-CHIEF but on building the new. And while I totally stole that from Socrates, my point (and I swear I’m getting to it) is that potential is a big, beautiful, everywhere-we’re-willing-to-look-for-it thing. But to see it, you sometimes need to renew your view. It’s with that eye that we’re exploring the world in this month’s T8N. To begin, we’re setting our sights on the humble basement and its potential to become a legal income suite. From there, our photo essay takes us to Apple Box Design Studio, where we discover the art of transforming old furniture into new treasures with a little paint. We didn’t stop there. Also on our list—a visit with Lisa Alary, a remarkable floral designer who combines her passion for art with her love of nature. Ready to renew your view? Then let’s get started. March is calling, and it wants cupcakes.
Feature Writers
VOLUME 4 ISSUE 3 March 2017 PUBLISHER
EDITOR-IN-CHIEF
Rob Lightfoot
Carmen D. Hrynchuk
ART DIRECTION
Carmen D. Hrynchuk, Brenda Lakeman PRODUCTION MANAGEMENT & DESIGN
Correna Saunders PHOTOGRAPHY
Brenda Lakeman FOOD STYLING
Little Fire Creative PROOFREADING
Amy Lightfoot EDITORIAL INTERN
Simone Tiemstra CONTRIBUTORS
Shawna Dirksen, Jennie Drent, Rhonda Kronyk, Robert Michon, Vanessa Roset OFFICE MANAGER
Janice Lightfoot CONTRIBUTING AGENCIES Image page 6 ©merydolla/Adobe Stock Image page 6 ©Andy Dean/Adobe Stock Image page 8 ©svetavo/Adobe Stock Image page 28 ©agsandrew/Adobe Stock Image page 34 ©nihilart/Adobe Stock Image page 38 ©Oleksandr Moroz/Adobe Stock Image page 38 ©Dmitry Koksharov/Adobe Stock Image page 38 ©Graphic Stock Image page 40 ©Myimagine/Adobe Stock
ISSN 2368-707X (PRINT) ISSN 2368-7088 (ONLINE)
RHONDA KRONYK
Rhonda is a freelance writer and editor who calls Edmonton home. Her current writing projects question identity, colonialism and Canadian history, and she’s recently contributed to an anthology called In This Together: Fifteen True Stories of Real Reconciliation. She’ll happily tell you all about it—if you dare ask. VANESSA ROSET
Vanessa is a freelance writer from Edmonton who loves perfectly formed sentences and is hopelessly addicted to Scrabble. When she’s not at her desk she can be found working on and adventuring in her vintage Airstream with her husband. Together they hope to travel across all of North America and beyond and enjoy blogging about their experiences.
For editorial inquiries or information, contact T8N magazine at info@t8nmagazine.com. Have something to say? Letters, suggestions or ideas can be sent to letters@t8nmagazine.com. FOR ADVERTISING INFORMATION
Rob Lightfoot rob@t8nmagazine.com 780 940 6212 or visit t8nmagazine.com T8N magazine is published 12 times a year by T8N Publishing Inc. Copyright ©2017 T8N Publishing Inc. Reproduction in whole or in part without permission is strictly prohibited. Content marked by the Sponsored Content icon was produced in partnership between content producers and T8N magazine. PRINTED IN CANADA
Visit T8Nmagazine.com to meet the rest of our team and regular contributors.
T8N PUBLISHING INC PUBLISHER & PRESIDENT
Rob Lightfoot: rob@t8nmagazine.com Snailmail: #176, 311 Bellerose Drive, St.Albert AB T8N 5C9
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T8N March 2017  5
Conversations
OWNING A HOME has always been a privilege, but
in today’s housing market, that privilege is starting to feel more like a fa ntasy— especially if you’re a first-time home buyer. But getting into the market isn’t the only hurdle: there’s staying in it, too. And as Canada’s housing market continues to grow— la rgely f uel led by Toronto, Vancouver and the greater Edmonton area—the number of homeowners overburdened by mortgages is growing, and many are looking for solutions. One of the popular ones? Create an income suite to help cover the mortgage costs and make the dream of home ownership a reality. Here we explore what that looks like in St. Albert.
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HELP FOR FIRST-TIME BUYERS The city of St. Albert runs the Home Program, which helps community members become homeowners through “education, referrals, one-on-one counselling, down payment assistance, matching with housing product and housing professionals and ongoing support.” In addition, the Federal Home Buyers’ Plan allows you to withdraw $25,000 annually from your RRSP for a qualifying property.
Affordable Housing
St. Albert’s Housing Stats
In the capital region, we often think of affordable housing as a City of Edmonton issue. Yet St. Albert’s Affordability Technical Study released in March 2015 estimates that over 4,000 households pay more than 30 percent of their income to meet their housing needs. While that might not seem particularly high, the national measure of affordable housing is 30 percent or lower. Based on the 2011 Canadian Census, 1 in every 6.5 St. Albert homeowners struggles with affordability. This rate is lower in Leduc, Spruce Grove and Edmonton, but higher in Strathcona County and Fort Saskatchewan.
The City of St. Albert released the results of several studies in March 2015 that outlined current and future housing needs. One finding that emerged was that while single-family homes are still commonly considered ideal for home ownership, row houses, condominiums, apartments and suites will all be required in the future.
When we dig deeper into those Canadian Census stats, some concerning trends emerge. In 2011, almost 2,000 households reported spending between 30 percent and 50 percent of their income on housing— which places them in the “moderately cost burdened” category. Furthermore, approximately 1,300 homeowners reported spending more than 50 percent of their income on housing—which earns them the title of “moderately and severely cost burdened.” Homeowners in this category are likely also struggling to pay for things such as school fees, vehicle payments, insurance and food. Timothy Gensey, Edmonton Region Market Analyst for Canada Housing and Mortgage Corporation (CMHC), says “price growth in the region is starting to level off and come in line with demographics and the economy.” The CMHC’s Market Housing Outlook for 2017/2018 also predicts that “prices will remain about where they are right now unless there is a significant shift in the economy.” That means, for example, that an unexpectedly large rise or drop in oil prices could change the CMHC’s forecast.
According to the Edmonton Real Estate Board, single-family homes in St. Albert sold for an average price of $474,810 in 2016. That’s a slight drop from the 2015 average of $487,498. In 2016, the average sale price in the Edmonton metropolitan area was $434,586, which, as in St. Albert, shows a slight decrease from the average price in 2015. So what makes St. Albert prices high? Inventory is a significant factor—CHMC shows only 33 single detached units on St. Albert’s market in December 2016. Adryan Slaght, Director of Planning for St. Albert, says that the reasons for this low number include “available land, government funding, servicing and the type of housing products being built.” Slaght went on to add that “St. Albert also has higher lot prices than many neighbouring communities within the capital region, which may limit demand.” In addition to those factors, adding services such as schools and roads can also slow the speed of development, which in turn affects inventory and may cause prices to increase.
Exploring Your Options Before you decide to add a suite in your basement, visit the City of St. Albert’s website, and download the document called Basement Suite Regulations. Craig Pilgrim, from Remax Realty, suggests that homeowners go over the list carefully when deciding whether or not to add a suite: “If you already
have the big items [like mechanical systems], then the financial gain may be worth the cost of adding a legal suite.” If you decide that, yes, you do want to add an income suite, you’ll likely need to find a contractor. Contractors who specialize in renovations can help you create a rough budget and even help you determine whether or not to hire an architect to draw up plans. If you aren’t sure if your drawings will meet city needs, Adryan Slaght says, “it is best to contact Planning and Development and ask for assistance regarding your project” because you may need other approvals such as an engineer’s stamps. Once you have your drawings, it’s time to apply for development and building permits.
The Application Process Step one in the permit application process is to get the city to verify that your property is zoned for a basement suite. Next, a Building Codes Officer will do a property assessment. This involves the officer going through each item on the Basement Suite Regulations List, looking for other potential deficiencies on the property and helping you decide on your next steps. After the Building Codes Officer submits a report that outlines the deficiencies in the plan and sends you a written copy, the city will issue you a building permit. This permit lists the conditions you must meet to address deficiencies. At this point, you’ll need to get a firm quote from your contractor that accounts for the conditions on the permit before you begin work.
Playing by the Rules In 2006, the provincial government updated the Alberta Building and Fire Code Regulations, and St. Albert City Council amended its Land Use Bylaw to reflect the change in codes. T8N March 2017 7
To meet those codes, basement suites can be built only in single-family detached houses, and your property must be large enough to include off-street parking. The bylaws define other specifics such as the size of the suite, the height of the ceiling, the entry to the suite and also the walls and doors that separate the suite from the main floor. For example, a suite cannot have windows that require special tools or knowledge to open, and they must have an unobstructed opening of at least 15” in each direction. Costs to upgrade windows can be high because you may need to enlarge the opening in your foundation wall to bring the windows up to code. Mechanical systems can be one of the costliest items on your list. If your home is heated by forced air, the suite requires its own heating system. This helps keep smoke and dangerous fumes from spreading quickly between units. Adding a suite can also stress your home’s plumbing and electrical systems, so be sure to get professional help to determine whether those systems need to be upgraded. Does it matter if your suite doesn’t conform to municipal bylaws? In a word, yes. If your suite is not legal and the city receives a complaint, you will need to obtain a permit. And since it’s more difficult to assess whether an already developed suite meets code, the city doubles the permit fee. After the assessment, you will then need to make your suite conform to the bylaws or decommission it by removing the kitchen.
costs such as maintenance and repairs. But if you decide that the costs are worth the price, here are a few other things to consider when deciding whether the benefits outweigh the risks. If you apply all of the rental income to your mortgage, you can reduce the amount of interest you pay, which will allow you to pay your mortgage in a shorter amount of time. Of equal importance is the value an income suite adds to your property. Craig Pilgrim of Remax Realty says suites cannot be advertised unless they conform to bylaws. But if you have a legal suite in your basement, you “can sell your house for $25,000 to $50,000 more than a comparable house without a suite because investors will pay a premium for legal suites.” But don’t ignore the disadvantages of a suite. First, and maybe most important, is the privacy you sacrifice when someone lives in your basement, especially if you allow your tenant to share the yard. Even finding the right tenant can be a frustrating and time-consuming process. And once you find a great tenant, you’ll need to accept their noise. There are steps you can take to mitigate
So, Is It Worth It? There are several reasons to convert your basement to an income suite. The first, of course, is the extra income. But adding a suite to your home can still be a difficult choice. Renovation expenses aren’t the only factor. You also need to budget for unexpected
31 C Perron Street, St.Albert 780 569 1104 shabby2chicweddingrentals.com
8 T8Nmagazine.com
noise transfer between suites, but you could still hear muffled conversations and music coming from your basement. Advice from renovation experts can help you make choices in materials and design that add maximum value to your property without breaking the bank. Finally, make sure to discuss the change with your insurance agent because your insurance costs may increase once you have a tenant. A good lease that carefully outlines specifics like property use, smoking and noise can help lessen the impact of having a stranger in your home. Carefully go over all the pros and cons before deciding to take this step—make sure the benefits outweigh the costs, both financially and from a lifestyle perspective.
Looking Forward In recent years Canada’s housing market has frequently defied expectations. We hear about a growing housing bubble, yet many markets, especially in urban hubs, continue to grow. That makes it difficult to predict the future of the St. Albert market, but according to the City’s Municipal Priorities and Growth Technical Study released in March 2015,
The Dreaded Housing Bubble A housing bubble occurs when demand and speculation cause housing to become overvalued. Eventually, demand drops and homeowners are left with mortgages that are larger than the assessed value of their home. Timothy Gensey of CMHC says the Edmonton region is not currently at risk of a bubble, but accelerated economic growth could change the outlook. “St. Albert’s population is expected to experience strong growth over the next 30 years […] It has taken the City 152 years to grow to its current size. It will take a little over thirty years for the City to double its population.” Adryan Slaght says “administration anticipates Municipal Development Plan work to begin in 2018” to continue adding housing to the market. Housing stability and affordability are also priorities for St. Albert’s planning department. According to Slaght, they are investigating the possibility of “adding a land requirement for affordable housing to the City’s municipal land strategy and
[implementing] programs to provide utility cost subsidies for qualifying households.” The city’s decision to delay Municipal Development Plan work until 2018 happens to agree with CMHC’s Housing Market Outlook for 2017/2018. CMHC says that “a weaker labour market, slower migration and reduced consumer confidence are tempering demand for new homes in the Edmonton [Census Metropolitan Area].” In addition, there is an excess of homes on the market and inventory will increase during 2017 as current projects are completed. Unless there is a significant change in outside factors such as an increase in the price of oil, housing
prices in the capital region will remain stable until 2018. Demand and prices will increase moderately in 2018 as the economic picture improves. As you decide on the merits of a basement suite, keep in mind that rental vacancy rates in the capital region are expected to climb to 7 percent in 2017, although rental prices will remain relatively stable. The CMHC housing forecast predicts that “overall, the average rent for a two-bedroom apartment will be $1,225 in 2016, $1,220 in 2017 and $1,230 in 2018” for the Edmonton region. However, according to the St. Albert Housing Society, the city has a significant shortage of affordable housing (priced 15 percent below the market value), providing a ready market for your suite. The CMHC says that mortgage costs will remain stable until 2018 when they will increase slightly. With low mortgage costs, relatively stable rents and a demand for affordable housing, this may be an opportune time to investigate adding a suite to your home. t8n
T8N March 2017 9
ESTATE CONNECTION LAW OFFICE
Probate & Grants of Administration
M
any assume that if they make a Will, all their worries are over. Upon your death, your executor has a long list of things he or she must do to safeguard your estate, including informing family and friends, locating the Will, preparing the funeral and contacting your banks and utility providers. All these duties are compounded if the Will is unclear or one was never made. At Estate Connection Law Office, we provide guidance for your family after your death. Most executors contact our office shortly after their loved one dies. After a brief conversation with them, we can help reduce their anxiety and provide them with a framework of what to expect in the coming weeks. While many family members may place pressure on the executor regarding the estate’s property, we recommend executors take this time to plan the funeral, grieve with family and meet with us to discuss if we should start an application for probate or administration. What is a Grant of Probate? A Grant of Probate is a document or court order given out by the Court of Queens Bench that states your original Will is authentic, can be relied upon and is in fact your last Will and Testament. Land titles, financial institutions and some government agencies require probate because they’re unsure if this Will is in fact the most current. These institutions could be liable for any losses to the estate if they pay out to the wrong beneficiary. A Grant of Administration, however, is a court order when there is no will (a.k.a. you die intestate), and it outlines who can handle the estate and notify all family members of their possible entitlements. The best first step is for your family to contact a lawyer well versed in estate law to help start this application. The Surrogate Rules of Court
has a detailed outline on who can be the estate administrator; typically, the spouse is first choice, then the children, then the parents of the deceased and so on. Whether your estate is probated or a grant of administration is applied for, the process takes approximately five months from the submission date. If there’s an error on the application, a recent procedure change states it cannot be returned to its original place in the cue—it’s put to the bottom of the list, doubling processing time. One way to help your executor after your death is to include lists with your estate planning documents: list all your property, who legally owns it, who receives it and where it’s located; list your utility providers so your executor can continue to pay them, especially if your spouse or other family members still live in your home; and list all your passwords and pin numbers to cancel any on-line accounts. It’s prudent to update these lists annually, as well as give copies to your lawyer. Update your beneficiaries annually so you can account for long-lost relatives, and name your beneficiaries instead of stating “…and to my son, I leave…” Ambiguity may lead to arguments and litigations. Pre-plan your funeral. Many funeral homes offer packages where you can choose your casket/urn, type of service, even travel insurance in case you died while on vacation so your remains can be returned home. Some even allow clients to pay monthly so your family won’t have to pay for your funeral at an already difficult time.
a. Arrange for organ donation b. Arrange care for pets and children c. Secure all assets d. Review the Will e. Arrange the funeral A COUPLE DAYS AFTER THE DEATH f. Pay for the funeral g. Stop all non-essential expenses h. Forward mail i. Cancel all bank cards j. Review all financial documents WITHIN A WEEK AFTER DEATH k. Prepare a list of all assets and debts l. Submit probate application m. Schedule payments of debts n. Create a plan for securing and disposing of estate assets.
Properly drawing up a Will is only the first step in making sure your family is provided for after your death. Giving your executor and your family the necessary documents and instructions greatly lessens the stress in the difficult months to come.
Estate Connection Stacy L. Maurier BA, LLB I Lawyer t. 780 458 8228 I #220, 200 Carnegie Drive I St. Albert, Alberta www.estateconnection.com
Taking care of you and your family now....and forever! 10 T8Nmagazine.com
EXECUTOR’S “FIRST WEEK” CHECKLIST IMMEDIATELY AFTER DEATH
Stacy L. Maurier BA, LLB • Lawyer
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A New Take ON AN OLD LOOK
Reimagining furniture at Apple Box Design Studio PHOTOGRAPHY BY BRENDA LAKEMAN
WHEN IT COMES to current trends in interior
design, vintage is stylish, shabby is chic and reclaimed materials have never looked better. It’s lucky then that there is a studio in St. Albert that can teach you how to turn your DIY interiordesign dreams into a reality. For the last seven years, Apple Box Design Studio, run by Leanne Playter-Korsos, has been teaching both professional designers and amateur enthusiasts how to take worn-out furniture and make it feel new again. Leanne began her design career at a young age by helping out as a set designer for some local theatre companies. Painting and interior design have been her passions ever since. Today, Leanne uses her talents to help people build their design skills and DIY confidence. As we discovered on our visit, if you’re willing to learn, Leanne can teach you how to transform your home with just a few buckets of chalk paint. Take a look.
T8N March 2017 11
“People see DIY work online and say, ‘Why can’t I do this?’ When they come to my workshops, I teach them a few skills and try to give them the confidence they need to start their own projects.” –Leanne Playter-Korsos
When looking at the completed projects around Apple Box Design Studio, it’s easy to recognise a certain style common to the furniture. Largely, this comes down to the specialized chalk paints that Leanne works with. Why chalk? According to Leanne, chalk paints produce a consistently good colour, they’re eco-friendly and they naturally preserve the wood that they’re used on. “I’ve always been a bit of a tree hugger,” says Leanne, “and the acrylic paints that I’d use in the early part of my career always made me feel a bit guilty. They smell bad, and they’re honestly a bit dangerous to breathe.” Chalk paint is relatively new to the market, and for a long time, Leanne’s preferred brand had no Canadian suppliers. That is, until Leanne opened Apple Box and decided to become a supplier herself.
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The process of chalk painting is fairly simple. The first step is to find an old and weathered piece of wooden furniture that you want to breathe some new life into. Anything at all will work—a stool, a door, a dresser—even an old pallet. The next step takes a bit of know-how, and that’s where Leanne can help out. Chalk paint is very different from acrylics and oils, and if you want to produce a clean and even coat, you’ll have to put in a little practice. Once you’ve practiced, the design choices begin. The worn and distressed look is very trendy right now, so armed with the proper guidance and a bit of sandpaper, you can learn to accentuate the colours of the chalk and create a look you’ll be proud to show off.
“Before Apple Box, I was really pining for those mom-and-pop stores from my childhood, where you could just stop in and feel like you were visiting a friend. That’s the feeling I’m trying to create withmy studio.” –Leanne Playter-Korsos
T8N March 2017 13
Leanne offers a variety of workshops in her studio. The ones she calls “Product Classes” are largely focused on building technical skills and an aptitude with chalk paints. “We get a lot of designers and other professionals who are looking to get a bit more experience with the paints we use,” notes Leanne. “They can bring their own pieces in, learn about the process, have some fun and take home a finished piece.” Then there are the “Project Classes,” which are also extremely popular. “We get a lot of people coming in who have never painted in their lives, and they’re terrified to even start. But we get them to practice the basics of painting, stencilling and things like that, and by the end of the class, they’re ready to start their own projects at home.”
So if you’re feeling inspired but don’t have the confidence to put brush in hand, visit Leanne. She believes there’s a designer in all of us, and all it takes is a little push to bring it out. t8n 14 T8Nmagazine.com
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T8N March 2017 15
Meet You There
SHABBY 2 CHIC WEDDING RENTALS A style that’s always on trend DID YOU KNOW? Pamela doesn’t rent décor only for weddings. If you have an anniversary party, baby shower, romantic dinner or want your house decorated for the holidays, Shabby 2 Chic can help.
IF YOU’RE NEW to St. Albert or event planning, you might not know what to expect from a store called Shabby 2
Chic. Well, here’s a hint: it’s anything but shabby. In fact, when you enter the store, you just might get the feeling that you’ve walked into a romantic movie. And that’s exactly how owner Pamela MacKay wants you to feel—like you’ve arrived somewhere special. 16 T8Nmagazine.com
Pamela opened Shabby 2 Chic two years ago with a desire to give the public a décor store that didn’t feel cookie-cutter. To Pamela, that just made sense. Weddings, after all, aren’t cookie-cutter occasions, so it didn’t make sense that her store would be. The solution? Offer one-of-a-kind décor that can accommodate a wide variety of personal tastes—from the very romantic to the very rustic.
now, she is sewing linen tablecloths for a client who needs a longer length than what Pamela currently has. She explains, “We try to be more service-oriented. We do go that extra mile to do those extra things. Once I went to a client’s home, picked up all their material that they need to go to the hotel because they were overrun with errands. It’s just going that little bit extra…it’s building that customer relationship.”
FUN FACTS The store has a large selection of high-quality linens that include merino blankets, toile bed linens and alpaca throws. Pamela will be attending OneLove Wedding Experience at the Calgary Hyatt on March 12. Pamela’s “go-tos” in floral displays are fresh cedar for the aroma and silver dollar plants for their elegance. The store reflects that style. You’ll see lots of aged and greying woods, cascading greenery and wrought iron, as well as crystal chandeliers and furniture covered in layer upon layer of ivory fabrics and antique-lace overlays. You’ll also see Pamela, who prides herself on personal customer service and going the extra mile. When an engaged couple comes into her store for a consultation, Pamela will sit down and listen to them about what they’re envisioning for their wedding: what colours they like, how many people are coming, where the venue is and what their budget is. But the consultation isn’t just about getting the facts clear; it’s about building a rapport. “Building that relationship with the bride and the groom and having that rapport is really essential to make things successful,” explains Pamela. “Understanding what it is they’re looking for is important because a lot of times they’ll come in with a certain image in their minds, but they can still be indecisive. You can give input, but you also need to know when to give it. Building that strong relationship is key.” In keeping with her desire to curate one-ofa-kind offerings, Pamela sources items that aren’t readily available in most décor stores— things like barn doors, wine barrels, a pair of what Pamela calls “shovel chairs,” even an antique bed frame. While she tries to source both locally and nationally, she has international suppliers, too. If that doesn’t work, she will try to make it herself if it’s feasible. Right
So if you’ve scrolled through endless Pinterest boards and Instagram accounts but still can’t find the inspiration you’re looking for, consider a visit to see Pamela. “Turning shabby chic into classic elegance” isn’t just her tagline; it’s her passion. t8n
SHABBY 2 CHIC AT A GLANCE Owner: Pamela MacKay Location: 31c Perron Street, St. Albert Specialty: Rents and sells “shabby-chic” décor for weddings, events and home decorating. Interesting facts: Shabby-chic furnishings and accessories are known for their worn/ vintage appearance and romantic sensibilities. The colour palette is grounded in antique whites, and its easy elegance is often compared to that of French country or cottage style.
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AUTO • HOME • LIFE • COMMERCIAL T8N March 2017 17
This sponsored content was produced in partnership between Phoenix Taekwon-do Club and T8N magazine.
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COMMUNITY
CALENDAR Things to do, watch, hear and see this March.
Photo Credit: Trudie Lee
EVENT
Bach Tots This visual storytelling dance troupe will be in St. Albert to entertain young children and their parents/ caregivers through a variety of dance, music and audience participation. Bach Tots will be presenting “Once Upon A Season,” which will educate children about Alberta’s seasons.
EVENT
Date: March 11
French Heritage/Célébration de la Francophone
Location: Riel Business Park, 33 Rayborn Crescent, 2nd Floor
Date: March 15
Morinville will be celebrating its French culture in a global celebration of French language and culture called Rendez-vous de la Francophone. There will be a flag-raising ceremony (lever du drapeau), as well as a gala at the community hall with a French buffet, heritage presentations and children’s activities
For more info: visit facebook.com/BigLakeArtists
For more info: visit stalbert.ca/exp/arden/ events/bach-tots-1
Location: Arden Theatre, 5 St. Anne Street
Photo Credit: Nanc Price Photography
Date: March 3 Location: Town Hall and Morinville Community Cultural Centre, 9502-100 Ave, Morinville
EVENT
For more info: visit morinville.ca
Evening With the Stars
EVENT
Big Lake Artists’ Studios Open House & Sale Everyone is welcome to attend this free open house/show and sale featuring 10 local artists and various art forms including paintings, mixed media, custom mosaic tilework and jewellery, marbled paper items and more! There will be food, door prizes, a silent auction, art demos, and 10% of all proceeds will be donated to the St. Albert Food Bank. Food donations will also be accepted at the door.
This benefit concert will celebrate the 40th Anniversary of the St. Albert Music Festival. Featured performers will be Juno-award-winning pianist Senator Tommy Banks and Gemini-award-winning journalist Colin MacLean. Also performing will be pianist Todd Yaniw, opera singer Michelle Garlough, cellist Julia Dolman and the Belle Canto Children’s Choir. Date: March 14
EVENT
Pride & Prejudice Ball Presented by Regency Encounters, this annual ball gives you a chance to be in the world of Jane Austen and dance as if you were at the Netherfield Ball. You can come just for the dancing or come for dinner, too. There’ll be Regency-style refreshments, live music, card games and more. Regency costume is a must. No partner or dance experience required.
Location: Arden Theatre, 5 St. Anne Street
Date: March 25
For more info: visit st-albertmusicfestival.ca
Location: Empire Ballroom, Hotel MacDonald, 10065-100 Street N.W., Edmonton For more info: visit regencyencounters.com EVENT
Madeleine Thien STARFest presents award-winning novelist and short-story writer Madeleine Thien. Her recent novel Do Not Say We Have Nothing won the Giller Prize and the Governor General’s Literary Award for Fiction. Thien will be in conversation with author Marina Endicott. Date: March 29 Location: Arden Theatre, 5 St. Anne Street For more info: visit sapl.ca t8n T8N March 2017 19
OR
LIST IT? With the economy in flux, it’s hard to decide whether it is a good time to purchase a new home or to renovate the one you already have. Should you finally invest in that income property you’ve been talking about for quite some time? Or, do you take the leap and turn your unused basement into a rental suite? Do you move to your dream home, or do you tweak the space you’re already in, making it more livable and a space you could see yourself in for years to come? T8N undertook an exclusive interview with Ryan Sellers, voted T8N’s Best Real Estate Agent of 2016, and Neville Ward, voted T8N’s Best Local Contractor of 2016. They both went deep into the topics of either loving it or listing it.
LOVE IT For some, uprooting their families to move to a new neighbourhood is not an option. Say they can’t afford a new down payment on the house of their dreams, or they are entrenched
so deeply in their community that moving would be unthinkable. What to do? Neville Ward from Caruana Interiors and Contracting has some insight on how to love your home again. What are main parts of the home that people want to renovate? The parts of the home that people renovate the most are their kitchens and bathrooms. You’d be surprised, however, how small changes to space can really make you fall in love with the home you already have. A fresh coat of paint, new baseboards, trim, some granite or quartz countertops and a fun backsplash can liven a space without breaking the bank. What other spaces do people want to renovate? Folks often want changes to their space because it drives them crazy the way things are currently set up in their homes. For instance, if there is a wall right in the middle of their living room that disrupts the flow of the house, it’s time for it to go. Or if they have an outdated and 2016 WINNER
BEST LOCAL CONTRACTOR
780 935 5831 caruanainteriors.ca info@caruanainteriors.ca
Complete Renovation Solutions 20 T8Nmagazine.com
BEFORE
non-functional family bathroom, we can help reconfigure it to make it fit your lifestyle. When it comes to renovations, the possibilities are endless. What about unused space in a home? Can you turn it into rental income? If you do not use your basement, it is the perfect opportunity to turn it into an investment property. Our team can turn the wasted space downstairs into a nice living space for a student or a couple, and it puts cash back into your pocket every month. How do you make the most of a renovation? There’s many ways. One notion we didn’t discuss yet is renovating to sell. Repair necessary items to freshen up and revive the house, while also adding curb appeal. You can preemptively handle any glaring challenges that future buyers would foresee. Finally, remember when renovating to stay within market value, and that’s where we work with a local agent like Ryan to ensure we are completing the right reno’s. Remember, if you are renovating to live in it, don’t over-renovate, stay within a smart budget so if you were ever in the position to need to sell in the future, you won’t lose money. Whichever way you decide to go, you might need help with your decision. Ryan and Neville are both highly respected local professionals in their fields and love to help St. Albert residents. Contact one or both and just say “I want to love it or list it!” and let them help you figure it out!
WHITESELL PHOTOGRAPHY
LOVE IT
AFTER
LIST IT When a home just isn’t right for your family, there isn’t much you can do but list it. Ryan Sellers was voted the Best Real Estate Agent in St. Albert by T8N readers in 2016. He took the time to answer a few of our most pressing real estate questions. What drives people to list their properties? It all comes down to space, and whether that space is right for them at that point in their lives. It could be that the house is too big and they want to downsize, or the house could be exactly what they want, but not be in the right neighbourhood for them at that point in their lives. Those three well known words that are sometimes said but not heard, Location, Location, Location! You really need to decide on a preferred community and then look for an ideal house with a good location that suits your needs. Combining two lives or two families is a very exciting and fun process for all involved. A growing family, going from a condo with no children, to a starter home and setting up some roots will require more space. Their starter home could no longer fit their lifestyles, and they’re looking for a change. Helping people get started and finding the perfect place is what we love to do! Another recent noticeable change is the emptynesters who are now spreading their wings to become snowbirds. The kids might have left them with a large house, so now they are looking to downsize and live abroad part time. Working with my team, we will help you find exactly what you want to fit your family’s needs, and we have a large network of great realtors in almost every city imaginable making the transition smooth and as fun as it should be! What makes you stand out from other Realtors? I offer a no obligation consultation to start. That means that I chat with the client to determine exactly what they’re looking for. We visit a few properties together, and that’s where I really
understand their needs—if their eyes light up at an open concept kitchen or they cringe at a galley one—this helps me determine what to show them next. When it comes to helping a client find their perfect fit, I don’t hard sell anyone. We find the right fit together through process of elimination. In terms of listing a property, I take on a different approach as well. Many Realtors spend their marketing dollars on billboards and bus benches. I may not have the most recognizable name, and that’s because I focus more of my marketing dollars on advertising your listing as opposed to my name. That way, it gets in front of as many interested homebuyers as possible, and you’re getting more bang for your buck. Let’s say someone found almost exactly what they want, but the kitchen isn’t big enough. Do they keep looking? No! If the house is almost 100% and in the right location, it’s got many of the features you’ve been looking for—jump at it! Neville and I will come to the home together to assess the property to see what renovations can be done
even before you move in. Banks offer loans based on the future value of a home after renovations. By completing renovations right off the bat, you are getting the best of both worlds— the dream location you want, with the kitchen you’ve always envisioned.
Are you a… First-time homebuyer and you don’t know where to start? Snowbird looking for a lock and leave condo? Family that is quickly outgrowing your space? In love with another community? Call us! We will help you find your dream home. 780-994-4663 2016 WINNER
BEST REAL ESTATE AGENT
This sponsored content was produced in partnership between Caruana Interiors and Contracting, Ryan Sellers and T8N magazine. T8N March 2017 21
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Food & Gatherings
ROLL WITH IT Recipes your taste buds will flip over
SOMETIMES, YOU JUST need to roll with it. And this month, we’re taking that philosophy to the kitchen. Armed with rolling pins and cabbage leaves and all sorts of noodles, we’re rolling things up and over and into a feast of deliciousness. From sweet chili lettuce wraps to beef roulade with pesto and peppers, there’s a little something here for everyone. And since dinner isn’t dinner without a “beverage,” we ’ve even a mu se d o u r s e l ve s w i t h a c i n n a m o n r o l l cocktail. Impressed? Well, that’s just how we roll…
T8N March 2017 23
Berry & Cambozola Turnovers Cambozola is a creamy cow’s milk cheese that combines the flavours of Brie and blue cheese (Gorgonzola). Delicious! 2 sheets of store-bought, frozen puff-pastry sheets, thawed 1 1/2 cups of cubed Cambozola cheese (bite-sized) 3/4 cup of blueberry jam 1/4 cup red current jelly 1/2 cup toasted walnuts, chopped 18 sprigs of fresh rosemary
For the egg wash Whisk 1 egg with 1 tbsp water in a bowl For the sugar topping Combine 3 tbsp of sugar with 1 tsp of cinnamon in bowl
Preheat your oven to the temperature specified on the puff-pastry package, and prepare a baking sheet with parchment paper. In a small bowl, combine the jam and jelly, and set it aside. Next, on a lightly floured surface, roll out the pastry sheets, and cut each into 9-inch squares. Space the squares evenly on the prepared baking sheet, and top each with a piece of cheese, a spoon of the jam mixture, a few walnuts and a sprig of rosemary. Brush the perimeter of each square with egg wash, and fold the dough over the filling to create triangles. Pinch the edges closed, brush the tops with egg wash and sprinkle with cinnamon sugar. Bake in the preheated oven for 15 to 20 minutes, and serve while warm.
Cinnamon Roll Cocktail When the craving for cinnamon rolls hits, pull out a cocktail glass and give this recipe a try. 1 oz RumChata 1 oz Kahlua 1 oz Cake-flavoured vodka (who knew!) 1/2 oz half-and-half cream Fill a tumbler with ice, pour in the RumChata, Kahlua, vodka and half-and-half. Stir until combined, garnish with a cinnamon stick and serve.
Beef Roulade with Pesto & Peppers Looking to show off a little? Give this gorgeous roulade a try. 1.5 lb flank steak, pounded flat with a mallet 1/2 purple onion, thinly sliced 1/2 sweet red pepper, thinly sliced 1/2 yellow pepper, thinly sliced Salt and freshly cracked black pepper, to season
For the pesto 1/2 cup walnut halves 1/4 cup extra-virgin olive oil 1 tbsp yellow mustard 2 tbsp capers 3/4 cup chopped parsley (packed tightly) 1/4 cup grated Parmesan 2 cloves garlic, peeled Salt and freshly cracked black pepper, to taste
Preheat your oven to 350˚F, and take out a large, oven-safe pan. Place the walnuts, olive oil, mustard, capers, Parmesan and garlic in a food processor. Secure the lid, and blend until smooth. Taste the pesto, and add salt and pepper to your liking. Pour the mixture into a mason jar, and store in the refrigerator for up to 2 weeks. Place the flattened steak on a work surface in front of you, with the longest side facing you. Next, spread a thin layer of pesto on the meat, leaving a 1-inch empty border on all sides. Atop the pesto, arrange the onions and peppers in a thin layer. Next, starting at the end nearest you, gently roll up the roulade as you would a beach towel or carpet. To secure the roulade closed, tie the meat with 12-inch strips of butcher’s string every 2 to 3 inches along the roulade. Season with salt and pepper, and set aside. Heat 1 tablespoon of oil in a large, oven-safe pan over high heat. Add the roulade to the hot pan, and sear it on all sides. When seared, transfer the pan to the preheated oven, and cook the roulade for 20 to 25 minutes (depending on the thickness). Remove from the oven, and let rest 10 minutes before slicing.
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Cabbage Rolls Whether you make them big or small or with or without meat, cabbage rolls are their own brand of comfort. Give this version a try. 1 1/2 cups Arborio rice 2 tsp butter 2 tsp extra-virgin olive oil 1 yellow onion, finely chopped 1 tsp salt 1 tsp freshly cracked pepper
1 head green cabbage, generously cored 2 cups of your favourite tomato sauce 1/4 cup cream
Preheat your oven to 350˚F, and prepare your Arborio rice according to the directions on the package. While the rice cooks, heat the butter and olive oil in a large pan over medium heat. Add the onions, salt and pepper, and reduce the heat to medium-low. Cook for 5 to 7 minutes, stirring occasionally. When the rice is cooked, stir in the sautéed onions, and set aside. To blanch the cabbage leaves, bring a large stockpot filled with water to a boil. Place the cored cabbage in the water, and with tongs, peel off the leaves in layers as they loosen and separate from the head. Place the leaves on a plate to cool, and trim the leaves of their bumpy, thick ribs near the base.
Salad Rolls with Peanut Dipping Sauce Homemade salad rolls will never look as perfect as the ones from your favourite restaurant, but—man!—are they ever delicious. 1 package round, rice paper sheets (the larger, the easier to roll) 1 package vermicelli rice noodles Fresh strawberries, sliced Precooked large shrimp, cut in half lengthwise Fresh vegetables, julienned (we used carrots, sweet peppers, cabbage and lettuce) Fresh mint leaves Fresh cilantro leaves Sesame seeds, to garnish
For the dipping sauce 1/3 cup smooth peanut butter 1/4 cup hoisin sauce 1 tbsp low-sodium soy sauce 1 clove garlic, minced 1 tbsp sesame oil 1 tbsp freshly squeezed lime juice 1 tsp freshly grated ginger 1 tsp Sriracha sauce 1 tsp sugar 1 tsp water
Next, place the tomato sauce and cream in a small pot, and bring it to a simmer over medium heat. Spread half of the sauce into a casserole dish, and set it aside. Spoon 3 or 4 tablespoons of rice into the centre of a leaf, then wrap the sides inward and fold the side closest to you over the rice and slightly under it. Continue rolling forward as tightly as possible. Place the roll seam-side down in the prepared casserole dish, and repeat with the remaining cabbage and rice. Evenly pour the remaining tomato sauce over the cabbage rolls, and cover with foil or a lid. Bake in the preheated oven for 1 hour.
Place the vermicelli noodles in a large mixing bowl, and cover them with boiling water. Let them sit until tender, and then drain them into a colander. Rinse the noodles with cold water, and let them drain. Pour an inch of boiling water into a pie-plate-sized bowl, and allow it to cool for 5 minutes. Next, take two rice papers (one stacked atop the other) and submerge them in the hot water until just softened and pliable. Place the stack on a flat work surface in front of you (being careful not to tear them). Now comes the filling and rolling. Place a cigar-shaped pile of noodles in the centre of the rice paper, leaving a 2-inch empty border on the left and right. Alongside the noodles, create a second cigar-shaped stack of shrimp, vegetables, strawberries and herbs of your liking (each roll can be different!). Next, fold the left and right edges of the rice paper in. Then fold the side closest to the noodles over the noodles and slightly under them. Continue rolling forward as tightly as possible without tearing the paper. Place the finished roll colourful-side up. Repeat with remaining ingredients. Place all the dipping sauce ingredients in a small bowl and whisk them until combined. Serve alongside the salad rolls. T8N T8N March March 2017 2017 25 25
Feta & Red Pepper Eggplant Roulade 2 large eggplants, sliced lengthwise into 1/4-inch slices 2 tbsp olive oil 1 cup ricotta cheese 1/2 cup crumbled feta cheese 2 tbsp olive tapenade 2 tsp lemon juice
1 egg 1/2 tsp freshly cracked black pepper 1/2 cup fresh dill, roughly chopped 1 cup roasted red peppers, sliced 1 1/2 cups of your favourite tomato sauce 3/4 cup shredded mozzarella cheese
Preheat oven to 375˚F, and take out a baking dish. Brush the eggplant slices evenly with the olive oil on both sides, and grill them until soft and pliable (2 to 3 minutes on each side). While they’re grilling, cover the bottom of your baking dish with 1 cup of the tomato sauce. In a small mixing bowl, mix together the ricotta, feta, tapenade, lemon juice, egg, black pepper and half of the chopped dill. Next, spread a large dollop of the cheese mixture across the wide end of each grilled eggplant, and top with the roasted red peppers and remaining dill. Gently roll up each eggplant slice and place them seam-side down in the prepared baking dish. Top each roll with a dollop of the remaining tomato sauce, and sprinkle on the mozzarella. Bake in the preheated oven for 30 minutes, and serve while hot.
Spinach & Four-Cheese Lasagna Rolls 3/4 cup dry cottage cheese 3/4 cup ricotta cheese 1/2 cup crumbled feta cheese 1/4 cup grated Parmesan 1 egg 1 cup frozen spinach, thawed, drained and chopped 1/3 cup chopped parsley 1 clove garlic, minced 1 tsp freshly cracked black pepper 1/2 tsp salt 12 lasagna sheets 1 cup grated mozzarella (for sprinkling) 1/2 cup grated Parmesan (for sprinkling) 26 T8Nmagazine.com
For the tomato sauce 2 tbsp extra-virgin olive oil 1/2 onion, minced 2 garlic cloves, peeled and chopped 1 can (800 mL) crushed tomatoes 1 tsp dried oregano 1 tsp salt 1 tsp freshly cracked black pepper
In a medium-sized mixing bowl, combine the feta, dry cottage cheese, ricotta and Parmesan. Next, mix in the egg, spinach, parsley, garlic, black pepper and salt.
Preheat your oven to 375˚F.
Bring a large pot of salted water to a boil, and cook the lasagna noodles according to the directions on the package. While the noodles are cooking, cover the bottom of a baking dish with 1 inch of the tomato sauce.
To prepare the sauce, heat the olive oil in a pot over medium-high heat, and add the minced onion. Reduce the heat to medium, and let cook 5 minutes, stirring occasionally. Add the garlic, and stir again. Next, add the canned tomatoes, oregano, salt and pepper. When the sauce begins to bubble, remove the pot from the heat, and set aside.
Lay the cooked noodles flat on a work surface, and spread an even layer of the cheese atop each noodle. Gently roll up each noodle, and place them seam-side down in the prepared baking dish. Top each roll with a dollop of sauce, and sprinkle on the mozzarella and Parmesan. Bake in the preheated oven for 30 minutes, and serve while hot.
Strawberry Rhubarb Apple Pie If rolling out pie crust and crimping the edges isn’t your thing, it’s time to reach for the cookie cutter (and frozen-food aisle). 5 McIntosh apples, peeled, cored and sliced 1 cup sliced strawberries 1/2 cup chopped rhubarb 1/4 cup granulated sugar (plus 1 tbsp for sprinkling on the puff pastry)
2 tbsp flour 1 tsp ground cinnamon 1 store-bought, 9-inch, frozen pie crust, thawed 1 sheet of store-bought, frozen puff-pastry sheets, thawed
Preheat your oven to 400˚F, and place a large, foil-lined baking sheet on the lower rack to catch any pie drippings. Place the puff pastry on a lightly floured work surface, and evenly sprinkle 1 tablespoon of sugar atop it. Next, use a rolling pin to gently press the sugar into the pastry. Using a small, round cookie cutter, cut out about 30 circles (these will become your patchwork pie top). Next, place the fruit, sugar, flour and cinnamon in a bowl, and mix to combine. Fill the prepared pie crust with the fruit filling, and dot the top with the cutouts, leaving small gaps in between. Place the pie in the centre of the preheated oven, and bake it for 60 minutes. Remove to a cooling rack, and let sit for 1 hour.
Sweet Chili Lettuce Wraps Lettuce wraps have a way of disappearing even when no one is hungry. Consider a double batch. 2 tbsp vegetable oil 6 boneless, skinless chicken thighs Salt and pepper, to season 1 cup pickled carrot and daikon salad (from the deli) 1 handful cilantro, roughly chopped 1 handful bean sprouts 1/2 English cucumber, sliced 1 head butter lettuce, separated into “cups”
2 scallions, thinly sliced 2 tbsp toasted sesame seeds For the sauce 1/4 cup hoisin sauce 1/4 cup sweet chili sauce 1/4 cup orange juice 1 tbsp low-sodium soy sauce 1 tbsp rice-wine vinegar 2 tsp fish sauce 1 tsp freshly grated ginger 1 clove garlic, minced
Place all the ingredients for the sauce in a bowl, and whisk to combine. Next, heat the vegetable oil in a large pan over medium-high heat, and add the chicken thighs. Season with salt and pepper, and brown the thighs on both sides. Reduce the heat to medium-low, and pour half the sauce into the pan. Cook the thighs for 15 more minutes, stirring often and turning the meat 2 or 3 times. When the meat is cooked and the glaze is golden and sticky, slice the meat, sprinkle it with toasted sesame seeds and place it on a serving dish alongside the prepared vegetables and lettuce cups. Fill the cups with the toppings of your choosing, and dip in the reserved sauce. Enjoy! t8n
T8N March 2017 27
Truly, Deeply, Madly
PAINTING POINTERS YOU WON’T
BRUSH OFF
WHETHER YOU’RE UPDATING your
home’s interior, sprucing up your outdoor space or just feeling crafty, nothing can colour your world like a fresh coat of paint. Not all paint jobs are created equal, however. Before you dip your brush, consider these tips to confidently choose the right paint for the right project.
(like baseboards or the ceiling perimeter), and protect your floor with a drop cloth. Patch any cracks or holes with surfacing compound, and then sand to create a smooth surface. Be sure the area is also dust free before you paint. Prime Time: Don’t skip this essential step. Primer helps paint adhere, hides imperfections and covers stains. If your paint colour is bright or
Proper Prep: To paint an outdoor surface, you’ll need to put in some prep time. Wash the surface you’ll be painting, scrape off any old or peeling paint and patch any damaged areas.
dark, you may want to tint your primer to reduce the number of coats you’ll need. Just ask the person
Getting Crafty
at the paint counter if he or she recommends it.
When it comes to crafting, there’s a perfect paint for practically any project.
Painting Indoors
Some paints are even sold as a primer-and-paint-in-
Pick Your Paint: Latex paint is the top pick for indoor painting projects such as walls or ceilings. Compared to oil paint, latex paint is easier to work with and dries more quickly. Use the highest quality paint possible.
one. Again, ask away!
Pick Your Finish: The glossier the finish, the easier it is to clean. So choose a satin finish for kitchen or bathroom walls, which are prone to splatters and spills. For your trim and mouldings, use a semi-gloss finish to save them from showing every scuff mark.
or patio furniture, you’ll be choosing between
Flatter finishes help hide imperfections such as unfilled nail holes or pesky roller marks. But they don’t spot clean as easily as the glossier finishes do. Consider flat or eggshell finish on walls in the lower-traffic areas of your home such as hallways or guest bedrooms.
If you go with exterior paint, choose an oil-based
Pick Your Brush: For covering large areas such as walls or ceilings, a roller is best. However, you will also need a brush to “cut in” the corners—a two-inch tapered brush is a good choice for this job and intricate surfaces such as trim and mouldings.
and oil-based. Water-based stains dry more
Proper Prep: In painting, preparation matters. Tape the areas around where you will be painting
Pick Your Brush: Just like with indoor painting,
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roller or brush you should use. Natural bristle brushes work best with oil-based paint or stain; use a nylon-polyester brush for any water-based paint or stain.
Painting Outdoors Pick Your Paint: For most outdoor surfaces, such as your home’s exterior or your deck, fence exterior paint and stain, the latter of which is for wood. Exterior paint coats the surface you’re painting and comes in solid colours; stain soaks into wood, enhancing its natural look and helping protect it from the elements.
paint for its durability and water resistance. However, check that the previous paint job was also oil-based; if it was latex, use an exterior latex paint instead (or it could peel). For stain, you’ll be choosing between water-based quickly, have less odour and are easier to apply and clean than their oil-based counterparts. Oil-based stains provide more water-resistance, allow for a more even finish and require less long-term maintenance than water-based stains.
the larger your surface area is, the larger the
Acrylic Paint: Acrylic paint (or craft paint) has a thick texture, dries quickly and comes in deep, rich hues. Use it on paper, canvas or wood. Watercolour: Watercolour paint is non-toxic, easy to clean and comes in both transparent and opaque hues. Use it on watercolour paper or watercolour canvas. Dishwasher-Safe Paint: Use oil-based paint pens or dishwasher-safe acrylic paint (both found at most craft stores) to decorate your dishes. Dishwasher-safe paint works on porcelain, ceramic and glass. Fabric Paint: Fabric paint comes in many forms—tubes, jars, pens and even sprays—and is available in an endless array of colours. Use it on pretty much any fabric you like—nylon, cotton, rayon, linen, bamboo, silk—the list goes on. Chalkboard Paint: Chalkboard paint lets you turn almost any flat surface into—you guessed it—a chalkboard! It’s available in a variety of shades and colours, and you can use it on your walls or furniture. t8n
Web Developer Who We’re Looking For T8N is looking for a web developer, on contract, to aid T8N Publishing with the development and improvement of its existing websites and the creation of new websites. Qualifications • The ability to mock up and implement concepts in front-end templates using WordPress frameworks • Work with initial design documentation Source plugins, JS libraries and other software add-ons to aid in improved traffic and usability of all websites • Work with existing templates, themes or codebases when required • Adapt and create websites that are optimized for SEO, speed and efficiency • Adapt and create websites that are platform optimized • Work with designers, editors and the publisher to improve on T8N’s already strong websites Requirements • 3+ years of web development experience • A strong background with PHP and mySQL development • A strong background with custom WordPress creation • Ease of use with HTML and CSS • The ability to manage and update a CMS system • Strong communication skills (spoken and written) • Samples of Adobe Creative Suite project work • A portfolio of website work to showcase your qualifications This is a contract position with no specific hour allotment. If you are interested, please forward your resume, links to sites you have worked on, and ideas for improvement for t8nmagazine.com and summer city.ca to rob@t8nmagazine.com
T8N March 2017 29
dissect the immature poppy buds growing along our fence. I’d pull up onions from the garden before they were ready—much to my father’s chagrin—and mass-produced mud pies bedazzled with dandelions. On a professional level, it started in my early twenties after graduating art school, when I took a floral design course to satisfy a curiosity. t8n: Can you tell us a bit about your education and training as a floral designer?
MEET LISA ALARY
A T8N interview
IMAGINATION HAS ALWAYS been
one of Lisa Alary’s strong suits. In 2 015, the c reative desig ner wa s inducted into the Canadian Academy of Floral A rt; since then, she has launched her own home-based business—Fleur-de-Lise. As you’re about to discover, her innovative design work includes wearable art pieces and original arrangements to suit any style. When she’s not busy in the studio, this friendly floral artist enjoys the idyllic activities of a modern-day flower child: hanging out barefoot at
sunny folk-music festivals, watching independent and foreign films and revelling in life’s simple pleasures with her husband, Bryan, and her spirited five-year-old son. And did we mention we kinda like her? Getting to interview this charming artist was not only a pleasure but also an inspiration. Ready to become a fan? Meet Lisa Alary. t8n: When did your fascination with florals begin? LA: It started when I was just a young kid getting into mischief. I loved to pop open and
LA: I earned a Bachelor of Fine Arts in printmaking and got into floral design through continuing education courses. Most of my floral education came on the job—16 years and counting—and it’s been quite varied. I’ve seen many different sides of the floral industry, starting at a chain and then working at small mom-and-pop operations before transitioning to higher-end trendy shops. t8n: What prompted you to start your own home business? LA: It was a natural progression; I need to feel like I’m pushing myself and growing in my craft. The further I go, the stronger my appetite to call my own shots and to have creative control over the design direction. I also have a particular interest in designing for events because I enjoy developing long-term relationships with clients. t8n: What types of floral design does Fleur-deLise specialize in? LA: I specialize in weddings, personal and corporate events. I like to think of myself as a bit of a design chameleon—comfortable in a number of different styles. I love the challenge of pulling off the unconventional in a tasteful and beautiful way. t8n: What are your favourite materials to work with? LA: I definitely prefer fresh-cut plant material to permanent botanicals (silks). There’s a certain magic to the textures, fragrances and tactile qualities of fresh product. You just can’t top Mother Nature! I also find the impermanence of florals compelling—a reminder that nothing is forever and that’s what makes it all so precious. t8n: From where do you draw inspiration for your pieces?
Photo Credit: Michelle Marie Creative 30 T8Nmagazine.com
LA: From the product itself. Flowers give so many cues in the subtleties of their colours, patterns and forms. Exploring colour harmonies and textural contrasts really drives my work.
t8n: What artists do you admire? LA: In the floral world, so many! How much room do you have?! Derrick Foss, Hitomi Gilliam, Francoise Weeks, just to name a few. In the visual arts, I’m a huge fan of the late Mexican painter Frida Kahlo, land artist Andy Goldsworthy and the street art/graffiti genre in general. t8n: What factors do you consider when creating personalized pieces? LA: With weddings, I try to get a feel for the couple—who they are, their personality and aesthetic. I get a lot of those cues from other choices they’ve made—venue, attire, other decor choices—and I build on that. Some clients are very specific about what they want; others are not. In those cases, I need to hone in to determine their preferences. Then I choose the best colour palette and design with their setting and budget in mind. For corporate clients, it’s important to understand their brand and create something that celebrates that identity and what they stand for. t8n: Is there a particular style that you are especially drawn to? LA: I really enjoy strong, structural form that involves visual tension and plays up negative space. I love the careful-handedness of the Japanese style Ikebana and also the European approach, where flowers are more an art object and less a “flower arrangement.” I’m also big into sculptural and architectural styles.
t8n: Of the projects you’ve completed, do you have a favourite? LA: My favourite piece from the last year is a floral necklace made of hand-formed grass loops and orchids. I've done a few collaborative projects with up-and-coming photographers, hair and makeup artists and models. I love being part of a team with different specialties all working toward one goal. t8n: Do you have a dream project in mind? LA: I'd love to do some really far-out, edgy pieces for an all-floral fashion show and to publish a coffee-table book of my floral designs. My absolute dream is to complete the European Masters Certification Program. It involves some really rigorous studying and testing, but it also means a trip to Belgium— flowers, chocolate and beer. Sounds like a dream to me! t8n: Do you have any advice for prospective floral designers? LA: Floral design is a truly rewarding craft, but prepare to work your buns off and juggle a lot of pressure. Dealing with perishables and managing deadlines and clients who are counting on you to deliver at often the most emotionally charged occasions of their lives can be intense. You also have to stay humble and keep your mind open to learning from as many sources as possible. t8n: What is your favourite flower? LA: Orchids of any variety are my absolute favourite, but I also really love foliage. It’s so
Photo Credit: NiMa Photography
much more than leaves that fill in a bouquet. There are so many amazing textures, colours and shapes, and they can be as relevant and functional a design element as the biggest, showiest bloom. t8n: Where can readers see your work? LA: The best way is by following Fleur-de-Lise on Facebook (facebook.com/fleurdelisefloraldesign), Instagram (@fleurdeliseca) and my website (fleurdelise.ca). I want to hold some pop-up shops and events later this year. I’m also looking forward to competing in the Maple Leaf Cup, where nationwide competitors from Canada’s vibrant floral community create designs in several categories in just a few hours. It’s at the Edmonton Home and Garden Show on March 24. t8n
T8N March 2017 31
Then & Now
PINEVIEW THEN & NOW
THE COMMUNITY OF Pineview was
built during the tail end of St. Albert’s population boom, when the need for new houses was slowing down. So, whereas the primary concern of developers in years prior had been to keep up with the insatiable housing demands, Pineview’s planners could afford a slower pace, which allowed for meticulous, long-term planning. That luxury is exactly why Pineview, despite being one of the smallest residential districts in the city, is now known for its scenic neighbourhoods, spacious parks and beautiful coniferlined streets. Here’s how it grew to be.
1970s When the Pineview development was first proposed, St. Albert was still in the middle of a population boom, and extensive residential expansion was a top priority. But by 1975, city planners realized that though the demand for new housing wasn’t disappearing, it was beginning to slow down. As a result, Pineview doesn’t have quite as expansive a footprint as some of the neighbourhoods built in the 60s. It was 1979 when construction finally took hold in Pineview, and the houses, parks and winding streets began to replace the empty fields that once marked the area. But since space was already at a premium in St. Albert, developers left a few pockets of land in Pineview for future planners to play around with, just in case the need for more schools, parks or a commercial district arose. In fact, despite having neighbouring communities on all four sides, those thoughtfully planned pockets meant that Pineview still had room to develop. 32 T8Nmagazine.com
1980s As the Pineview area slowly changed from farmland into residential neighbourhoods, the Greater St. Albert Catholic School District acquired the western corner of the area and began construction on two new schools that would help develop the emerging French immersion program in the district.
Pineview aerial, ca 1979
Photo Credit: Musée Héritage Museum
FUN FACT When it came time to name the development, Pineview was the only proposal that was really considered by St. Albert’s city council; it is appropriate given the foliage of the area.
First was the elementary school, École Marie Poburan. The school was named for the Catholic school board administrator who was largely responsible for getting the French immersion program off the ground in St. Albert. If you’ve ever wondered why residents of St. Albert have so many options when it comes to French education, Marie Poburan is who you have to thank. Directly across the parking lot from Marie Poburan sits École Secondaire Sainte Marguerite d’Youville. In keeping with the French theme of the area, this junior high/high school was named in honour of
the city since 2002. It’s not quite developed enough to be called a park—but a little too empty to be called a natural area. The truth is that the land was cleared for development during the early 1980s, but the development never came. It’s officially classified as an “Urban Reserve,” and city planners are waiting until there is a great enough need for development. There isn’t a lot of room left in Pineview, so whatever ends up being built in this space has to count, whether it’s residential housing, a school or a commercial district. However, as the land has been vacant for almost 40 years now, there is clearly no urgency in deciding.
Today
DID YOU KNOW? In the mid-2000s, official zoning plans were drawn up to finally fill Pineview’s last empty plot with additional residential streets. That area, however, remains empty to this day. Marguerite d’Youville, who was both the founder of the famous Grey Nuns of Montreal and the first Canadian to be honoured as a saint by the Catholic Church.
2000s Those familiar with Pineview will know of the large parcel of empty land that sits along the southern edge of Poirier Avenue. This area has been under heavy consideration by
Today Pineview is home to about 1700 people, spread throughout 664 homes. There is still room for growth, of course, but just like in the 1980s, the neighbourhood is in no rush to grow. Most of the vacant lots have been filled in with parks, wooded walkways and community sports fields, which are enjoyed by young athletes from all over the city. The next time you’re out for a walk or a bike ride, or when you’re on your way to Servus Place, try taking a detour for a short stroll under the canopy of the pines. t8n
Get back to your life!
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Your quality of sleep impacts your quality of life. Summit Galleria, St Albert across from DynaLife | 780.569.5252 www.maximumsleep.ca gary@maximumsleep.ca T8N March 2017 33
The 8s
FAILING TO PLAN
IS PLANNING TO
FAIL
8 tips for getting home-inspection ready WHEN YOU’RE SELLING a home, it’s standard procedure for
potential buyers to request a home inspection. Like you, they want some assurance that they’re getting their money’s worth, and any damages or inadequacies that an inspector finds can take a big chunk off the price they’re willing to pay. Needless to say, it pays to be prepared. Here are eight simple tips for getting home-inspection ready.
34 T8Nmagazine.com
1. Clean the House
5. Plumbing
This may seem like an obvious place to start, but tidying up is an important step. And while that normally translates to organizing the clutter, doing a little vacuuming and cleaning the bathrooms, you’ll want to break out the elbow grease when your home inspector is coming around. That means giving special attention to the areas under the sinks and in the furnace room.
Leaky taps and clogged drains are the most common offenders in the failed-plumbing category. The taps at your sinks shouldn’t take more than a light hand to turn on and off, so if you have to tighten them really hard to stop that drip, look into getting some replacements. Not all drain blockages will be immediately noticeable to you, but the inspector will be able to tell. Run your taps for a minute or two to make sure that the sink doesn’t start to fill up. If it does, it’s often an easy fix with a bit of drain cleaner.
2. Heating & Air Conditioning Here in Canada, the condition and reliability of your heating system will be of great interest to any potential buyers, so you’ll want to make sure that it’s in top shape. This means checking the air filters in your furnace, cleaning the vents so they’re clear of debris and making sure that your thermostat is both responsive and accurate. Air conditioners are less common, but if you have one, you’ll want to take similar precautions. Make sure that both the interior and exterior components are functional and that the coils and filters are clean. If you suspect a problem with either of these systems, you’ll likely need to call a repair service.
3. Doors & Windows
While you’re running the taps, check the water pressure, too. If the water seems to be coming out at a slow rate, you might have a leak or a problem with your main water valve. Unless you really know what you’re doing, hiring a plumber to assess the situation might be your best option.
6. Mould & Mildew Where there’s a leak, there’s often mould, depending on how long the moisture has been an issue. Mould and mildew, however, are both serious issues when it comes to selling your house, as they can affect the respiratory health of any occupants. So if
you’ve noticed any leaks or water stains, or if your basement is damp or has any history of flooding, you’ll want to address the situation immediately. Cleaning mould and mildew often involves completely gutting the affected area (such as drywall) and replacing it. It can be an expensive process, but evidence of mould will be a big red flag for any inspector.
7. Yard Your yard doesn’t have to be beautifully landscaped in order to pass an inspection, but you will want to make sure there are no overgrown branches that could potentially damage the house during a windstorm. You’ll also want to make sure there is no excessive growth that blocks the view of the foundation, the window wells or your gas metre.
8. Roof & Chimney Roofs are easy to forget about, but neglected shingles, gutters and chimneys can lower a home’s property value substantially. Check that your shingles aren’t rotting or coming loose and that your gutters are clean. When it comes to your chimney, you should be checking that the flue is clear and that there are no animals nesting in or atop it. Thanks, squirrels… t8n
Your doors and windows will be of special interest to inspectors as well, so put them through some basic tests. First, take a closer look at them than you normally would. If the caulking around the window frames is old or cracked, you’ll want to replace it. Next, try opening your windows to their full extent to see if they’re warped or sticking. If they are, you might want to think about having the frames reset. Lastly, if you have mesh screens on your doors or windows, check for rips or holes.
4. Electrical It’s easy to become accustomed to a dim or faulty bulb somewhere in the house, but that’s the exact kind of thing that a home inspector will notice immediately. Take a moment to survey all of your light fixtures, and be sure to replace any burnt-out or flickering bulbs. Next, check your outlets to make sure that they’re functional and in good shape, with no frayed wires or melted casings. Lastly, test all of your smoke detectors to make sure they’re in working order.
T8N March 2017 35
VISION DEVELOPMENT FOR YOUR KIDS: What You Need to Know!
As a parent of three kids, I know it can be hard to sift through all the information/ misinformation available to make prudent choices for our kids. When it comes to vision care, I get questions all the time, which indicates that we as eye practitioners could be doing a better job at getting the necessary information to the general public. To that end, I have gathered many of the key pieces of information that a parent, grandparent or other caregiver might need to feel comfortable making some of those decisions, such as when to have a first eye exam or how to recognize indications of vision problems at different ages. Vision development is a great place to start. Here is a timeline to consider: Birth to 24 months: Babies are not born with a fully developed visual system, and they actually learn to see over time. They must learn how to focus, use their eyes together as a team and even how to use the visual information they are receiving. Eye and vision problems at this stage, although uncommon, can cause developmental delays, so schedule their first eye exam between 6 and 8 months of age. Initially, an infant’s eyes are not well coordinated, so intermittent wandering/ crossed eyes can be normal for the first few months. If, however, it is constant or still 36 T8Nmagazine.com
happening frequently by three months, have an assessment. A few other important signs of visual problems include excessive tearing, extreme light sensitivity and, very rarely, the appearance of a white pupil. The full range of colours and depth perception won’t be available for them until around the fourth to fifth month. A general timeline of visual development might include following high-contrast targets within 8 to12 inches by 2 months, batting nearby targets at 3 months and beginning to reach and grab around 4 months. From 9 to 12 months, they should be able to judge distances fairly well and be grasping things with thumb and forefinger. By 24 months, hand-eye coordination should be well developed, as should depth perception. Remember, most babies’ visual systems develop without complication, but if you notice anything mentioned or something else that concerns you, bring them in immediately to be assessed. From ages 2 to 5: Visual development continues with ongoing refinement of the abilities gained during infancy. They are developing fine motor skills, hand-eye coordination and perceptual abilities necessary to be able to succeed in school and beyond. Approximately 25% of preschoolers have a vision problem, yet many go undiagnosed—some with long-term consequences. With visual development ongoing, anything that interferes with this process has the potential to create Amblyopia (in which vision is blurry, usually in one eye, and is not correctable with glasses). Eye coordination
issues can also present during this period. One of the most common is Crossed eyes— the eyes do not work together and can be constant or intermittent. Amblyopia can develop from crossed eyes but can also develop without noticeable signs, making it harder for a parent to identify. With no evidence of visual problems, minimum recommended eye exams would be at 3 and 5 years of age. I advocate for annual assessment in my practice through this developmental period since it is such a crucial period in that problems can be elusive and in many cases have better outcomes if managed early. Some important signs for parents to watch for that might indicate a visual problem include frequent eye rubbing, short attention span, light sensitivity, avoidance of detailed visual tasks (i.e. puzzles), frequent head tilting, squinting or consistently sitting too close to the TV or holding books to close. In addition, pay attention for delays in development that may indicate a vision problem (i.e. delays in recognition of numbers, shapes, letters or colours). If any of these signs are present or if you suspect a vision problem might be present, be conservative, and book an appointment. It is also very important to realize that a vision screening is not an eye exam. Screenings done at school or even screenings at the pediatrician/family doctor’s practice can uncover some vision problems, but they can miss more than they find. This is a concern about vision screening programs, which in some cases create a false sense of
security and can delay diagnosis. The solution is simple: include regular eye exams by your optometrist or ophthalmologist to protect your kid’s eye health and visual development. School Aged Vision: age 6 through teens: One of the most important things to remember is that vision is much more than visual acuity (seeing 20/20 on a chart). Your child’s eyes need to track/follow, work as a team and focus at different distances, which in turn leads to visual perception and related hand-eye coordination. Even small deficiencies can affect school performance, especially as the school years pass and visual demand increases. We estimate as much as 80% of learning is visual, let alone our vision’s role in everyday life tasks, sports etc. It is estimated that 25% of school aged children have a visual problem
that if left untreated can affect learning ability and so much more. Signs of vision problems for this group can mirror many of those for the preschoolers but should be expanded to include frequent headaches or complaints of tired eyes, poor comprehension/memory of reading material and/or poor reading ability in general (including losing their place when reading). Exam-frequency recommendations for this group without vision problems is every 2 years or as per your eye doctor’s recommendations if an eye problem exists (i.e. annually if your child is near sighted and needs glasses/contacts). Learning disabilities are another concern to discuss that tie into visual development. Approximately 4 to 5% of school age kids have a learning disability. Although this is not
The name you trust and the styles you’ll love
a vision problem, it has been shown that kids with certain visual problems were significantly more likely to be diagnosed with a learning disability and/or ADHD. Although the exact relationship between the two is unclear, ensuring proper visual development and managing any visual problems if a diagnosis has been given as part a multidisciplinary treatment makes logical sense. In closing, remember this: if identified early and managed, most eye problems can be solved. The first step is to educate yourself and bring your kids in for routine assessments. If you have questions or concerns, we are always here to help. Regards, Dr. Peter Roed
This sponsored content was produced in partnership between Eyeland Optometry and T8N magazine.
780.460.9673 • 161 Liberton Drive #60, St. Albert • eyelandoptometry.ca
T8N March 2017 37
DEFINING YOUR
STYLE Know it, see it, love it! BY VANESSA ROSET
BYE-BYE, WINTER BLUES! Spring is
just around the corner, and for many of us, it’s a time for renewal. We clean out closets, open windows and air out stale and stifled spaces. This year, why not kick your spring cleaning up a notch with a little re-decorating? After all, studies show that a properly designed room has positive effects on our mood, sleep and stress levels. Ready to get started? Here’s a “cheat sheet” for customizing a sanctuary of your own.
Traditional Style Summary: Formal but inviting, traditional décor is designed to be engagingly elegant. Think colonial-style homes where one can retire to the sitting room for a smoky after-dinner Scotch. Iconic Moments: The traditional style has survived for centuries—it dates as far back as the 1600s and is often influenced by the refined preferences of the 18th and 19th century British Empire. The Colour Palette: Traditional décor emphasizes cream-coloured neutrals and soft browns paired with pale hues and rich autumn-toned accents. Florals, stripes and/or damask patterns are also used to add interest without being overwhelming. 38 T8Nmagazine.com
Materials & Textiles: Rich woods such as cherry, oak and walnut are used for floors, railings and stairwells. Plump pillows, furniture skirts and tasselled floor-to-ceiling drapes add a quiet finesse, as do bronzed-metal light fixtures and crystal chandeliers. Lines & Spaces: Rooms often feature detailed, decorative moulding and elegant archways. The smooth edges and cozy curves soften the formality of the style, which is geared toward tranquility and comfort. Furniture is symmetrically arranged to encourage conversation between guests.
Modern Style Summary: Modernism is all about easy living. It’s clean and efficient, simple but sleek. Think naturally sunlit loft spaces with wide-open floor plans and lots of chrome appliances. Iconic Moments: Modern décor stems from a rejection of the extravagant Victorian and Renaissance styles of the 1800s. The Colour Palette: Go heavy on the neutrals, and mix them with subtle warm tones. Embellish with a single bold-coloured accent or symmetrical graphic pattern—the mood should be welcoming but not overly energetic. Materials & Textiles: Natural wood, cork or linoleum floors are subtle and unembellished.
Stainless steel and polished chrome prevail, while textiles are kept soft, neutral and sparse. Backsplash tiles are often used to complement the space. Lines & Spaces: The style features clean, straight lines and geometric shapes. Incorporate frameless cabinets, inset shelving and go for fewer dividing walls and for large, uncovered windows. Minimalism is key—there is no visual clutter, and the functionality of each piece is carefully considered.
Art Deco Style Summary: Art deco has all the makings of a Hollywood icon: it’s glitzy and glamourous, theatrical and fun. Think swanky downtown penthouse with slick retro furnishings and a view of the stars. Iconic Moments: The style thrived from the late 1920s to the early 30s, when it was embraced as a welcome distraction from the difficult struggles of the Great Depression. The Colour Palette: You can’t go wrong with the classic black-and-white combination, but flashes of bright colour, metallic paints, bold artwork and neutral backdrops will help add an alluring elegance to the space. Materials & Textiles: Shine, baby, shine! Go for glossy floors, lacquered surfaces, chrome finishing, polished silver and gold fixtures
and mirrors of all types. Pair them with leather, vinyl, animal prints, silk and satin. Lines & Spaces: Symmetrical, geometric shapes rule the art deco world. Bold, angular lines are balanced out with smooth, sultry curves. Patterned rugs and wallpapers provide pizzazz, and moody statement lighting is a must.
Eclectic Style Summary: Anything goes with this all-encompassing style, which combines elements from different time periods and types of décor. Think San Francisco-artist’sapartment-turned-studio-space. Iconic Moments: Eclectic décor was a reaction to the existing styles that were considered overdone and “boring” and was particularly popular in Europe and Russia during the 1830s. The Colour Palette: Eclecticism isn’t restricted by a colour code. So experiment with all shades—just do it cohesively, not chaotically. Walls are often kept neutral to showcase diverse arrangements of art. Accent walls or ceilings and bright window treatments will add extra flair. Materials & Textiles: Embrace texture and contrast. Place woven rugs over cork flooring; mix soft, supple fabrics with coarse textiles. Balance wood with metals, shiny objects with matted ones. There’s a place for glass, plastic, ceramics and tile.
Materials & Textiles: Natural wood stained to highlight the grain is a huge feature, as is stone and warm-toned metals such as bronze and copper. Decorative touches are added with tiles, stained glass and simple upholstery. Lines & Spaces: Solid, straight lines dominate—hardwood or stone-tiled floors, heavy wood furniture, and windows letting in natural light onto open floor plans. Visual clutter is minimal; the focus lies on the artistry of the space itself.
Shabby Chic Style Summary: Sometimes referred to as “cottage décor,” this style adds subtle modern accents to flea-market favourites to create a charming, vintage feel. Think French-inspired character homes, with antique dressing tables and ornamental mirrors. Iconic Moments: The term “Shabby Chic” was trademarked by British designer Rachel Ashwall, who moved to America and avidly promoted the style, which she fashioned in the 1980s. The Colour Palette: Whites and ivories and creams reign supreme and are paired with pastels or neutral tones, with an occasional pop
DESIGN TIP Open-ended styles offer lots of flexibility but require some forethought to avoid appearing messy. Plan out focal points for each space, and consider your furniture placement before filling a room with art and embellishments. Establish flow with consistent themes, and don’t overdo it on busy colours and patterns. of colour. Freshly painted pieces are sanded down and distressed for a weathered look. Materials & Textiles: Natural textiles abound in this style: soft cottons and linens are peppered with lace and faded, feminine prints. Slip covers, braided rugs and delicate, flowing curtains complement natural wood flooring and rustic brick and stone. Lines & Spaces: Soft edges, smooth curves and straight lines mix as mismatched furniture shares the space. Textured panelling is extremely popular, as is the use of open shelving instead of standard cabinets. t8n
Lines & Spaces: Straight, curved, soft, edgy—anything works, but always consider parallelism when designing a space. Use related shapes and colours throughout each room to tie in pieces from different eras and locations.
Arts and Crafts Style Summary: The arts and crafts movement stresses a deep connection to our natural surroundings. Think handcrafted bungalow with a wood-burning fireplace, exposed beams and a wrap-around porch. Iconic Moments: The style took off in the late 1800s in opposition to the lavish trends of the Victorian era. Supporters favoured simple, natural craftsmanship over the ornate, mass-produced furnishings that prevailed. The Colour Palette: Look for the warm, earthy colours that are found in natural foliage: lush greens, deep yellows and wood tones. Avoid pastels, and use brighter colours sparingly, or mute them with a worn-out finish. T8N March 2017 39
HOME EQ • UI• TY (n.) Raising your stake in home ownership
FOR MANY OF us, buying a home is
the largest, most important investment we will ever make. We can spend years saving for a down payment, months searching for the perfect property and days (or even weeks) negotiating the right price. When the deal is done, however, we are homeowners! Well, not entirely. What we actually own is equity—here we explore the ins and outs of this valuable asset.
What Is Home Equity? Equity is the value of an asset minus any and all liabilities on that asset. When the asset you’re talking about is your home, you’re talking about home equity. To calculate that equity, take your home’s current market value (what your home is worth on the market today) and subtract what you still owe on your home (the balance of your mortgage). That magic number is how much equity you have in your home—or how much of your home you actually own.
How to Build It Home equity increases as you pay down your mortgage, and it also increases when the market value of your property increases. Therefore, the equity in your home grows over time. If you’re not a fan of waiting and would like to build your home equity more quickly, there are some things you can do. The most obvious is to put more money on your principal (the amount you still owe on your mortgage, not including the interest). You can do this by putting down the largest down payment you can afford, by shortening the term on your mortgage when you refinance or by making extra payments on your mortgage when you can afford to (depending on the conditions of your mortgage). Home improvements are another way to build equity in your home. The key with this tactic is to make sure that the value of your renovations 40 T8Nmagazine.com
FUN FACT Many people think opting for a 15-year term on a mortgage instead of a standard 30-year term will double their payments, but that’s not necessarily so. Next time your mortgage is up for renewal, ask your lender to crunch the numbers. A shorter-term mortgage may cost only a few hundred dollars more each month. exceeds the cost of doing them. Updating your kitchen cabinets, countertops and appliances will often help increase your home’s value. Additions such as an extra bedroom or bathroom are also smart improvements you can make to build equity in your home.
Why It’s so Valuable Home equity is a valuable asset because it’s your share of your property—as in, it’s the value of your property that you have paid down and truly own (as opposed to portion that your lender owns). For this reason, you
can put the equity you’ve built in your current home towards purchasing your next home, or you can borrow against it if you need extra cash or are making another investment.
Home Equity Loan Vs. Home Equity Line of Credit If you are considering borrowing against the equity in your home, you have two options: going with a home equity loan (a.k.a., a second mortgage) or going with a home equity line of credit (HELOC). With a home equity loan, you are borrowing a lump sum of money that you get all at once and at a fixed interest rate. When paying back your home equity loan, you make equal monthly payments. A HELOC is a little different. Because it’s a line of credit, you can make multiple withdrawals up to your limit (so you don’t have to take the entire sum at once like a traditional loan). HELOCs also come with variable interest rates, and you can pay back as much of the balance as you want as quickly as you want (as long as you are making your minimum interest payments, of course). Whether you choose a home equity loan or a HELOC, it’s important to understand the risks. For most homeowners, that boils down to this: Never borrow more than you can afford because if you can’t keep up with your loan payments, you risk losing your home. So there you have it—more home equity equals a brighter financial future. Time to pay down that principal! t8n
DID YOU KNOW? Wondering about fixed and variable interest rates? With a fixed-rate loan, the interest amount stays the same for the entire term (so you pay the same amount each month). The interest amount on a variable-rate loan will vary over time, fluctuating with the market.
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