Ontario Active Life - July 29, 2023

building small town canada.

We start with location. We let the land decide what our communities should look like. We create simple yet remarkable amenities to bring families together. That sense of place helps to determine the design and character of each community’s Master Plan.

Ask yourself if what you’re looking for is a place to live – or a place to Live Remarkably.

GOT 15 MINUTES?

Do you have 15 minutes? Actually, reading this column will take far less than that, but please bear with me.

Just when homebuyers thought it was safe to emerge from the sidelines (as new and resale market statistics for the last couple months have shown), with interest rates, inflation and other market factors seemingly improving... The Bank of Canada went ahead and raised its influential overnight rate target on two consecutive rate announcements, now at 5.00 per cent. The rate had sat at 4.50 per cent since January, after BoC made four consecutive increases since July 2022.

Now what?

Well, the hike may have surprised some, but many in the real estate industry were expecting it, if not bracing for it.

For homeowners with a variable mortgage, this means their monthly payments may go up, and for others, their amortization may increase, according to Jesse Abrams, co-founder at Homewise, a mortgage advisory and brokerage firm. Those renewing their mortgage this year could see their fixed and variable rates rise even higher, he says.

“For potential homebuyers, we’ve seen supply steadily increase recently, so this could lead to more of a buyers’ market, if some of the demand slows,” Abrams, told Active Life magazine.

WAYNE KARL

EDITOR-IN-CHIEF

Active Life Magazine

EMAIL: wayne.karl@nexthome.ca

TWITTER: @WayneKarl

“Overall, this was a move that may lead to short-term pain, but seems necessary in the long term. My one hope is that our government pairs this with policy changes to help builders offset some of their costs, as these rate increases affect their ability to add more homes to the housing pool. As builders’ costs go up, they push development dates down the road until friendlier environments are available for them to borrow for their builds.”

The key takeaway for prospective borrowers in this rate environment is to shop around for your mortgage, to find the best rate and features to suit your needs.

Now for those 15 minutes…

For those who may fear the concept, thanks to online conspiracy theories, so-called 15-minute cities or neighbourhoods are actually part of the solution to increasing sustainable, accessible and affordable housing in Ontario and elsewhere in Canada.

As our story on page 13 discusses, a report from ReMax Canada explains that the “15-minute neighbourhood” is an urban planning concept that puts daily necessities within a 15-minute walk, bicycle or transit ride from home.

As we grapple with a housing crisis rooted in a persistent inventory shortage, that sounds like a reasonable and commendable objective, and one definitely worth your 15 minutes.

PERSONAL FINANCE | JESSE ABRAMS

Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm based in Toronto. thinkhomewise.com

WESTERN VIEW | MIKE COLLINS-WILLIAMS

Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

GARDENING | BEN AND MARK CULLEN

Mark Cullen is a Member of the Order of Canada, and provides gardening advice to more than two million Canadians each week. Ben Cullen’s specialty is food gardening. markcullen.com; Facebook @MarkCullenGardening and Pinterest @MarkCullenGardening.

TECH | GREG GAZIN

Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca

BIG STYLE, SMALL SPACES | LISA ROGERS

Lisa Rogers is Executive Vice-President of Design for Dunpar Homes. Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and The Shopping Channel. Lisa is also a regular guest expert on CityTV’s Cityline. dunparhomes.com.

LEGALLY SPEAKING | JASON SCHWARZ

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law Partners LLP. Visit online at schwarzlaw.ca or email info@schwarzlaw.ca with your questions, concerns, critiques and quandaries.

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Jesse Abrams, Mike Collins-Williams, Ben and Mark Cullen, Greg Gazin, Lisa Rogers, Jayson Schwarz

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NEW HOME MARKET GAINS MOMENTUM IN MAY

The GTA new home market gained momentum in May, registering the first year-over-year increase in more than a year, the Building Industry and Land Development Association (BILD) reports.

There were 3,109 new home sales in May, which was up 22 per cent from May 2022 and 10 per cent below the 10-year average, according to Altus Group, BILD’s official source for new home market intelligence.

Condominium units, including in low-, medium- and highrise buildings, stacked townhouses and loft units, accounted for 1,976 units sold in May, down three per cent from May 2022 and 14 per cent below the 10-year average.

There were 1,133 single-family home sales in May, up 123 per cent from May 2022 and three per cent below the 10-year average. Singlefamily homes include detached, linked, and semi-detached houses and townhouses (excluding stacked townhouses).

“The GTA new home market has regained some of its strength in the last couple of months, proving that demand in the region hasn’t gone anywhere,” says Dave Wilkes, BILD president and CEO. “If that demand is to be met with the housing supply and choice that residents need, all levels of government must make housing a priority. The provincial government has set the framework to support the building of 1.5 million new homes within a decade, and we are heartened to see the efforts many GTA municipalities are making toward implementing policies that will make it easier to add housing. We would like to see the federal government do its part by enabling housingsupportive infrastructure and being mindful of the impacts of monetary policy on new-home buyers.”

“GTA new home sales climbed higher in May as buyers grew

accustomed to current market conditions,” adds Edward Jegg, research manager with Altus Group. “Builders have been replenishing supply and benchmark prices have softened.”

May’s total new home remaining inventory, which includes units in preconstruction projects, in projects currently under construction, and in completed buildings, was 15,346 units. Thanks to 13 highrise project openings, remaining inventory included 13,867 condominium apartment units. This represents

approximately 13 months’ worth of inventory, based on average sales for the last 12 months. The remaining inventory for single-family homes was 1,479 units, representing approximately 4.5 months’ worth of inventory. A balanced market has nine to 12 months of inventory.

The benchmark price for new condominium units was $1.09 million, which was down 6.7 per cent over the last 12 months. The benchmark price for new single-family homes was $1.73 million, which was down 4.3 per cent over the last 12 months.

MAY NEW HOME SALES BY MUNICIPALITY

15-MINUTE NEIGHBOURHOODS DELIVER MORE ACCESSIBLE AND AFFORDABLE HOUSING: REPORT

As Canada continues to grapple with a housing crisis rooted in a persistent inventory shortage, ReMax Canada explores possible solutions in its latest report, 15-Minute Neighbourhood: Lessons for Small Communities.

The report, exploring the urban planning concept that puts daily necessities within a 15-minute walk, bicycle or transit ride from home, attempts to highlight supply of housing for the greatest number of Canadians, in a way that delivers maximum livability and affordability –particularly in smaller municipalities that are experiencing rapid growth.

“Private and public interests must coalesce to make what seems visionary to some, tangible for all,” says Christopher Alexander, president of ReMax Canada. “By rethinking the design, relevant government policies and zoning bylaws applicable in our neighbourhoods and integrating all the complex layers within existing developed land areas, we can achieve a more effective and comprehensive national housing strategy.”

“Without schools, libraries, small businesses, enterprise and greenspaces, as well as accessible and diversified transportation, the home becomes empty inventory,” adds Elton Ash, executive vicepresident of ReMax Canada. “

According to a Leger survey commissioned by ReMax Canada as part of the report:

• Canadians ranked “lack of available and accessible transit options,” among their top three pain points in their communities (34 per cent).

To further supplement, non-drivers are more likely to agree that the 15-minute concept is achievable and feasible (59 per cent) compared to drivers (45 per cent).

• 48 per cent of respondents agree that the concept is achievable and

feasible, particularly non-drivers (59 per cent, vs 45 per cent of drivers).

In addition, 54 per cent believe that (a) their neighbourhood needs better diversity and balance across walking, biking, public transportation and driving, and that (54 per cent) (b) the 15-minute neighbourhood would help Canada reach its climate goals (54 per cent).

• 72 per cent of respondents agree that reducing commuting time to 15 minutes or less for necessary services, such as work, appointments, childcare, restaurants, entertainment and shopping, would improve one’s quality of life. Traffic volume (44 per cent) and lack of available and accessible transit options (34 per cent) are also pain points for Canadians.

“We agree that Canada needs to invest in building a lot more homes in the next decade, but it must be the right kind of housing within the context of the wider neighbourhood, its socioeconomic diversity, and indeed with climate as a constant potential disruptor,” says Alexander.

KEY FINDINGS IN THE REPORT

Diversity within densification: We should be considering how we can create a variety of types of homes and sizes within each neighbourhood (high-, midrise, semi-detached and the “missing middle”).

Hard and soft infrastructure are non-negotiable elements of the 15-minute neighbourhood: For 15-minute neighbourhoods to reach the ideal they aspire to, the proper soft and hard infrastructure will need to be in place – these are the systems that allow communities to thrive and quality of life to flourish.

Transform empty space into productive, residential communities: There is an

opportunity amid the decline of commercial real estate space, empty retail space and especially parking lots to transform them into residential dwellings. in collaboration with relevant area experts. For this to happen, governments must reduce red-tape by expanding zoning laws and incentivize developers to use this real estate.

Balance in transportation: Car has become king and over-reliance on vehicles has fed urban sprawl, leading to a poor use of space. This has negative long-term impacts on the environment, as well as the physical and mental health of Canadians. Cities should be designed to encourage and foster the use of various modes of transportation, by accounting for bike lanes on all major streets; implementing fast and accessible public transportation; and building walking paths/sidewalks throughout neighbourhoods.

Offering a mix of housing: For cities to avoid falling into the trap of gentrification and ensure equitable housing, a mix of housing needs to be incorporated. Within each neighbourhood there should be a balance between market housing, subsidized housing, mixed-income housing and co-ops.

BUILDER WARRANTIES TOP OF MIND FOR 55 PER CENT OF NEW-HOME BUYERS

A report from Ontario’s new home warranty provider indicates that new-home buyers are concerned about their builder warranty, among other issues.

Tarion, an independent consumer protection organization that administers Ontario’s new home warranty program, has launched the Tarion New Home Buyers Report, drawing a detailed portrait of Ontarians buying new homes. Designed as an evidence-based consumer education resource, the report puts a spotlight on new-home buyers – who they are,what they are looking for and how they prepare for one of life’s biggest purchases.

“The Tarion New Home Buyers Report reveals what’s important to these future purchasers and their families to make effective decisions,” says Peter Balasubramanian, president and CEO, Tarion.

Based on an online survey of 526 Ontarians, the report shows that, when preparing to buy a home, respondents most commonly report having looked through home listings online (60 per cent), discussed their financial situation with a financial advisor or professional (53 per cent) and met with a real estate agent (50 per cent). Three in 10 (31 per cent) have obtained a mortgage pre-approval; 28 per cent have visited a pre-construction site or showroom.

The sample analyzed in the report reflects the diversity of Ontario’s population:

IMMIGRANTS AND NEW CANADIANS

• More than one-third (35 per cent) of Ontarians intending to purchase new homes were born outside Canada

• These buyers are already established in Canada, having spent here on average 17 years since their immigration

• 39 per cent immigrated to Canada less than 10 years ago

FIRST-TIME VERSUS REPEAT BUYERS

• One-third (35 per cent) of respondents are first-time home buyers; the remaining two-thirds (65 per cent) are repeat buyers

• First-time buyers are more likely to be millennials (46 per cent), single (54 per cent), considering buying a condo (42 per cent) or townhome (43 per cent), and newcomers who arrived in Canada within the past 10 years (74 per cent)

• Most repeat buyers are baby boomers (86 per cent) and are married or in common-law relationships (69 per cent)

MILLENNIAL BUYERS

• Overall, 54 per cent of Ontarians shopping for new homes are millennials

• Millennials are more likely to consider pre-construction homes (81 per cent)

• Millennials are more likely to consider a home in urban areas (63 per cent)

“One insight that stands out in the Tarion New Home Buyers Report is that immigrants and new Canadians are a large part of Ontario’s new homes story,” says David MacDonald, group vicepresident, financial services, at Environics Research Group, who led the survey work. “It’s also interesting that, while intenders are a diverse group with many different journeys, the demographic getting into the new homes market is fairly young overall.”

WHY ARE ONTARIANS BUYING NEW?

The report sheds light on what motivates Ontarians in their new

home journeys. Most (84 per cent) anticipate using the new home as their primary residence. Nearly six in 10 (58 per cent) like having the option to rent all or part of the home; 15 per cent consider using it as an investment property’ and 72 per cent value the possibility to work from home.

Top factors in choosing a new home include home size and space (98 per cent), price (98 per cent), energy efficiency of the home (96 per cent) and its appliances (92 per cent), the home’s style or design (94 per cent), the builder or building company’s reputation (92 per cent), and the home’s warranty protection (91 per cent).

NEW HOME BUILDER’S WARRANTY PROTECTION

• Eight in 10 (83 per cent) respondents are aware of the new home builder’s warranty, although 40 per cent hesitated when asked whether newly built homes in Ontario come with it

• When asked who provides the new home warranty, more than half (54 per cent) think it’s the builder

• For 55 per cent, the builder’s warranty is a very important consideration for purchasing a new home

“Consumer awareness is a critical consumer protection issue,” says Balasubramanian. “If people are confused about the warranty program or aren’t aware of it, then it won’t serve its purpose. It is encouraging to see that a majority of people looking to buy a new home have a general awareness of the warranty program, that it’s a builder warranty, and that many believe it’s an important consideration when they buy a house.”

BUILDER PROFILE

Lucchetta Homes making a di erence with three new communities in the Niagara Region

From humble beginnings in 1960, Lucchetta Homes has been building beautiful places in the Niagara Region that people love to call home.

HOUSING POLICY

Future of Hamilton and area depends on addressing housing shortage

The City of Hamilton, along with Burlington and Grimsby, find themselves at the centre of a troubling paradox, according to homebuilding industry sources.

DESTINATIONS ONTARIO

Niagara Region – where it’s about a lot more than the Falls Niagara Region often inspires thoughts of mostly the Falls themselves. But beyond the awe-inspiring beauty and power of the Falls, Niagara Region is worthy of a lot more than just a weekend getaway.

DECOR

5 basic principles of sustainable interior design

Doing our part to help the environment is more critical than ever, so how can we reduce, reuse and recycle our way to more sustainable interior design? It’s easier than you think.

GARDENING

Sedums and sempervivums are garden tough guys

If there is a di cult job to do in the sunny garden, you can count on one family of plants to pull through –sedums or sempervivums.

NEW CONDO

A new condo comes to… Merritton in St. Catharines

Located in St. Catharines’ Merritton neighbourhood, Silvergate’s new condominium, Merritton Mills on Hastings, near Glendale, is an opportunity to get in on the changing face of an up-and-coming community.

TP-LINK TAPO C420S2 WIRE-FREE SECURITY CAMERA SYSTEM

OFFERS A LITTLE PEACE OF MIND

GREG GAZIN

Security cameras are a must-have this day and age. While some people install cameras in every corner of their homes and offices, sadly, others don’t bother, due to overly complicated setups and placement challenges. TP-Link is trying to change all of that with a new wire-free smart security camera lineup under the Tapo brand family. These cameras are water- and dust-resistant, easy to set up and can be placed virtually anywhere, whether indoors or out.

TWO-CAMERA SYSTEM

One system is the TP-Link Tapo C420S2 two-camera system with a hub. Each camera comes complete with wall mounts that can also double as a base or stand for use indoors on a tabletop.

The C420 camera has a cylindrical pop-can shape measuring a mere 4.35 by 2.52 by 2.52 in. (110.6 by 64.2 by 64.2 mm). It features a 2K QHD

sensor with a 113-degree field of view, giving you more than 70 per cent more pixels than standard 1080p high-definition video. This enables capturing more detail with crisper and clearer shots, handy under low light conditions or times where you need to identify faces or read print such as license plate numbers of a car illegally parked in your driveway.

Video is also smooth, thanks to its 20-fps frame rate, and the camera’s Full Colour Night Vision with Starlight Sensor also add high fidelity details in low light that illuminates the viewing area in the dark.

Additionally, a built-in siren and light alarm can help ward off intruders, making it the ideal front or back door camera.

SMART AI

It also features Smart AI (Artificial intelligence) Detection that can help avoid those “false alarms,” as it can identify and differentiate between people, animals and vehicles and notify you according to your set preferences. It’s so smart, it can even detect a baby’s cry.

There is also a built-in mic and speaker for two-way communication. This can be handy for conversing with your delivery person at the door or for monitoring your grandchildren or family pets.

Operationally, the cameras connect wirelessly to the compact Tapo H200 Smart Hub, 2.8 by 2.8 by 1.2 in. (71.45 by 71.45 by 31.25 mm). It connects to your home’s router via its RJ45 ethernet port. The hub is also equipped with a microSD card slot (card not supplied) so you can locally record up to 256 GB of video.

Should you wish, seven- or 30-day cloud storage for your videos and optional Tapocare subscription are available. This offers added value by offering rich notifications with snapshots, advanced AI detection and the ability to set up privacy zones. Prices start at $3.49 per month, and a free 30-day trial is available.

And should you wish to expand the system, the hub can also support up to two additional cameras.

POWER SAVING TECHNOLOGY

One unique feature of the hub is the special way of sending wireless signals that uses very little power. It’s called TP-Link Patented Sub-1G Communication, which allows for the coverage of a larger area than regular Wi-Fi, while also saving energy and battery life.

The cameras are equipped with a removable rechargeable battery pack, so you’re not constantly feeding the

landfill. Battery life is rated at 180 days before recharging is necessary (based on triggering 10 to 20 events per day.)

Based on current drain during a testing period, realistically, I would expect that number to be close to four months. Your actual results will, of course, depend on use –how much activity is triggered, what resolution and speed video is being recorded and environmental conditions such as our harsh Canadian weather.

TWO-WAY CHARGING

You can conveniently charge the camera’s battery pack – by either removing the battery or by plugging a charger directly into its on-board micro-USB port located at the rear of the camera.

To save battery power, you can also reduce the camera’s overhead. Through the Tapo app used for all Tapo products for iOS and Android, you can adjust a variety of settings. You can reduce the video capture resolution to 720p; reduce the frame rate from 20 fps to 15 fps, or adjust the sensitivity for triggering alarms and capture.

The app also makes it quick and easy to set up and monitor your cameras remotely in real-time. You can set it to receive instant

notifications and a plethora of other features.

The system works with Amazon Alexa and Google Assistant to provide options for voice control. It also is compatible with IFTT but does not work with Apple Home Kit.

Overall, the TP-Link Tapo C420S2 is an impressive little bundle to give you that peace of mind. The wireless 2K QHD video, the Smart AI and great night capture make it a blessing. It would be nice if it had a little longer battery life and perhaps a slightly wider field of view, but that’s a trade-off for the high quality video and wireless capabilities at an attractive price.

In the box you’ll find two Tapo C420 Cameras with battery packs, a micro-USB, Tapo H200 Hub, a USB adapter and adapter cable, DC power adapter, camera brackets with mounting templates and screws, an RJ45 Ethernet cable and a quick-start guide.

The TP-Link Tapo C420S2 comes with a two-year warranty and retails in Canada for $279 (on sale for $229 at time of writing). You can find it at your favourite retailers such as Best Buy or online via Amazon.

You can also find more information at tapo.com.

Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca

HARBOURTOWN VILLAGE

SILVERGATE HOMES’ NEWEST FORT ERIE COMMUNITY AN OPPORTUNITY TO OWN ON PICTURESQUE SHORES

The Niagara Region is one of the hottest destinations for new-home buyers, and one of Niagara’s most highly anticipated communities has officially launched and is now selling.

Harbourtown Village is building excitement from locals and out-oftowners alike. Locals because they understand what a rare opportunity and unique location the development represents. And out-of-towners are intrigued by the hidden gem that is Fort Erie, a small yet amenity-rich town without the hustle and bustle of the GTA.

Fort Erie offers residents quiet, beach town charm with superb access to big city conveniences. Toronto’s shows, professional sports, big events and mega malls are about an hour-and-a-half away, but locals gravitate to Buffalo more often than not, right across the Peace

Bridge. In less than 10 minutes, all the high-powered entertainment found in Toronto is at your footsteps in Buffalo.

For everyday conveniences, Fort Erie has it all. Major retail stores, grocery stores, restaurants and banks are all well-established, and new brands are setting up in town quite regularly. Plus, there are many quaint, independent boutique-style shops around town, offering unique wares for the discerning shopper.

For additional shopping options, Niagara Falls and St. Catharines are only 20 and 30 minutes away, respectively, with big box stores and major shopping malls including the

Outlet Collection at Niagara, the Pen Centre and Canada One Outlets.

For foodies, Fort Erie is a great place. Chinese cuisine has thrived here for decades, especially along the waterfront, where celebrities such as Goldie Hawn, Robert Redford and Robert Duvall were known to dine while filming in Buffalo.

Celebrity chef Matty Matheson, who grew up in Fort Erie, recently opened an Italian style restaurant that’s been getting rave reviews.

Fort Erie’s growth in recent years was behind the site selection of the new Niagara South hospital. Construction has already begun on what will be Niagara’s largest hospital, located just five minutes outside the town’s northern boundary.

So, it’s no surprise that the town is now on the radar for many couples, families and downsizers choosing to set down roots in scenic, relaxed Niagara.

That’s where Harbourtown Village promises to shine. The community is

comprised of a limited collection of 62 townhomes and 46 single-family homes.

Award-winning homebuilder Silvergate Homes is the catalyst behind Harbourtown Village, having considerable experience building in the Niagara area. Its Amuse by the Lake development in 2018 proved to be very popular in Fort Erie, thanks to its lakeview locale and exceptional product.

Harbourtown Village is in the same vicinity as Amuse, and like Amuse, its location is out of the ordinary – in a secluded area along Lakeshore Road, between Historic Fort Erie and sandy Waverly Beach.

Not only is it a short stroll to the beach, it’s also connected to the Friendship Trail, a great path to walk the dog, hike, jog, rollerblade or bike. The trail starts in Port Colborne and ends in Fort Erie, where it hooks up with the Niagara River Recreational Trail. So, if you’re ambitious, you can keep going –

past Niagara Falls and all the way to Niagara-on-the-Lake.

All along the Friendship Trail, there are access roads to a number of beaches along the shores of Lake Erie. Bay Beach in Crystal Beach is the largest and most renown (even by beachgoers well outside Niagara), so if you prefer to avoid the crowds, the town’s smaller, more secluded beaches are the ones for you.

Blessed by its geography, it’s no surprise that Fort Erie has a distinct beach-town atmosphere to it. Come summertime, locals and visitors flock to the beaches as well as numerous events, concerts and festivals. Water activities and watercraft abound on the lake and the Niagara River alike.

Harbourtown Village practically brings lakeside living to you. But these are no tiny cottages. It’s an upscale lakeview neighbourhood with a perfect synergy of modern design and luxury living. Passionately designed, Silvergate fuses striking exteriors, unique lines and exceptional spaces.

The initial release at Harbourtown consists of townhomes, with both bungalow and two-storey designs available. The bungalow units range between 1,233 and 1,690 sq. ft., while the two-storey offerings range from 1,638 to 1,648 sq. ft. The bungalow designs all offer two bedrooms and two bathrooms, while the twostorey units are three bedrooms and 2.5 baths.

Experience a new level of comfort and style with exceptional home features that redefine modern living. Interior luxury features are aplenty, such as the timeless appeal of hardwood floors throughout the main living space.

The kitchen boasts stunning quartz countertops, combining beauty and effortless maintenance. Enjoy the convenience of customized cabinetry in the kitchen and bathrooms, providing ample storage space tailored to your needs.

The community itself has been carefully and masterfully planned to include a pond, gazebos, benches and greenspace for all to enjoy. These outdoor features blend nicely with the nearby trail and natural amenities.

Silvergate Homes sets a high bar when it comes to craftsmanship and attention to detail. A second generation family business, the company has been building quality homes in the Niagara region for

nearly 40 years, nurturing a strong reputation for homebuyer satisfaction.

Its one-on-one philosophy ensures that no item on a homebuyer’s wish list goes unexplored. This customerfocused approach to homebuilding has resulted in hundreds of dream homes in Niagara, built with materials of the finest quality, to the highest standards of construction.

A winner of more than 30 builder awards for excellence, design, marketing and environmental stewardship, Silvergate Homes is a Tarion Warranty Corp. builder and RenoMark contractor.

Sales at Harbourtown Village opened June 17, and homebuyer interest has been brisk so far.

Complete details on the community are available at silvergatehomes.com, and sales appointments are booking now.

Book your sales appointment today by calling 905.680.6000 or emailing harbourtown@silvergatehomes.com.

Site location and sales centre are located at Bassett Avenue and Dominion Road in Fort Erie.

LAKESIDE LIVING

NOT JUST FOR COTTAGES ANYMORE

by WAYNE KARL

Ah, summertime, and the living is easy... Whereas this popular song lyric may have once inspired images purely of sitting on the dock at the cottage, lakeside living is no longer just a seasonal vacation pursuit.

If one of the first rules of thumb in real estate is to buy near transit and transportation, next on the list would be buying near water.

Indeed, properties near water have always been in high demand. And

it’s not just about lakeside views or waterfront access. It’s also because this demand usually translates to premium pricing and strong value appreciation.

Need proof? According to a March 2023 report from Royal LePage, for example, the aggregate price of a single-family home in Ontario’s recreational property market increased 7.3 per cent year-overyear in 2022 to $634,800 – while the

aggregate price of a single-family waterfront property increased 8.9 per cent to $1.01 million.

For buyers in the GTA and elsewhere in southwestern Ontario, the good news is that there are a number of waterfront developments that afford appealing opportunities for year-round lakeside living.

The downtown Toronto Harbourfont gets much of the attention for waterfront

redevelopment in the GTA, but there’s long been a similarly impressive story developing in the Lake Shore and Park Lawn area in South Etobicoke. This former motel strip is now a booming condo community, with dozens of projects from some of the biggest and best builders around. All of it is alongside the Humber Bay waterfront, with extensive paths, parkland and amenities and improving TTC options.

And there is likely more to come. Pending development applications for lands on the north side of Lake Shore could bring more future development for residential and employment opportunities –including expanding transit.

The historic neighbourhood of Port Credit in Mississauga, long in demand for being doubly blessed with adjacency to Lake Ontario and the Credit River, is seeing a spate of redevelopment.

Among the most notable developments is Lakeview Village, a massive, transformative mixeduse waterfront community built on a 177-acre brownfield site along Mississauga’s lakefront. With prominent builders such as Tridel, Branthaven, Caivan, Greenpark Group, DECO and Opus Homes, Lakeview Village will showcase a range of new home offerings, eventually comprising as many as 8,000 new homes and 20,000 residents.

First out of the gate last summer was Tridel, with Harbourwalk, a modern, 867-suite condominium community of two towers, stepping down in a series of expansive terraces from heights of 19 storeys each.

Branthaven also recently launched at Lakeview Village, introducing Birch Condos & Towns. Birch condo suite choices range from one-bedroom, one-bedroom plus den, two- and two-bedroom plus den collections, as well as a limited collection of three-bedroom layouts. There’s even a small collection of two-storey townhome suites.

A little further west along the Port Credit Waterfront is Brightwater,

another signature waterfront redevelopment. This 72-acre masterplanned community, a consortium comprised of Kilmer Group, DiamondCorp, Dream Unlimited and FRAM + Slokker, will include a number of condo towers, as well as select townhome offerings.

Hamilton is also getting in on the waterfront redevelopment trend. The City of Hamilton recently committed to a $140-million redevelopment of its West Harbour, to transform it into a mixed-use, transit-supportive and pedestrianfriendly community. New housing projects, revamped public spaces and a developing downtown core could attract thousands of residents to the city’s waterfront.

Among the housing developments are the CityHousing Hamilton Jamesville Redevelopment and the Brock Street Urban Towns.

Then there’s Lake Erie, with developments such as Shelter Cove, a year-round, lakefront community, adjacent to the Forests of Selkirk Provincial Park. Nestled at the mouth of Sandusk Creek, Shelter Cove has a rare location for a protected marina within a short distance to Lake Erie boating, picturesque vistas, easy access to hiking and biking trails and a charming small-town atmosphere.

In Fort Erie, Silvergate Homes is building Harbourtown Village, a limited collection of 62 townhomes and 46 single-family homes, in a location the builder says is a small yet amenity-rich town without the hustle and bustle of the GTA.

Heading north, Serenity Bay is a new collection of wide townhomes and 50- and 60-ft. homes in Severn, by LIV Communities in partnership with Bosseini Living. Located at Grayshott and Turnbull Drive just off Lake Couchiching, Serenity Bay offers four-seasons living.

And east of the GTA, in Port Hope, Mason Homes offers Lakeside Village, a new community of bungalow, bungalow plus loft and two-storey designs in one of Port Hope’s most popular addresses.

+ LOCATION, LOCATION, LOCATION

SELECT LAKESIDE COMMUNITIES

BIRCH CONDOS & TOWNS, MISSISSAUGA By Branthaven birchatlakeviewvillage.ca

BRIGHTWATER, MISSISSAUGA By Kilmer Group, DiamondCorp, Dream Unlimited, FRAM + Slokker experiencebrightwater.ca

HARBOURTOWN VILLAGE, FORT ERIE By Silvergate Homes silvergatehomes.com

HARBOURWALK, MISSISSAUGA By Tridel tridel.com

LAKESIDE LANDING, WELLINGTON By Royalcliff Homes royalcliffhomes.com

LAKESIDE MUSKOKA, MUSKOKA By Lakeside Developments lakesidemuskoka.ca

LAKESIDE VILLAGE, PORT HOPE By Mason Homes, masonhomes.ca

SERENITY BAY, SEVERN By LIV Communities livehere.ca

SHELTER COVE, LAKE ERIE By Shelter Cove sheltercove.ca

THE SUMMIT, MUSKOKA By Trulife Developments thesummitmuskoka.com

5 EXPERT TIPS

TO ENSURE YOU HAVE THE RIGHT MORTGAGE

THE IMPORTANCE OF PREPAYMENT PRIVILEGES

JESSE ABRAMS

The homebuying process is an exciting time, but it can also cause a whirlwind of emotions –especially if it’s your first time. As one of the biggest investments you’ll ever make, it’s important that you feel confident in your decision, not only for your home purchase but for your mortgage as well. Here are some key things that should be top of mind before you lock in a mortgage.

FIXED VERSUS VARIABLE RATE

Fixed-rate mortgages have an interest rate and payments that stay the same throughout the length of your mortgage term. For example, if you have an interest rate of 4.3 per cent on a five-year fixed mortgage, the rate will be the exact same for all five years of the term and your payments won’t change. This affords stability when it comes to budgeting your expenses. On the other hand, a variable-rate mortgage has a rate that will change based on market conditions. In this case, there are versions where your payments would remain the same or fluctuate based on the market. However, in both situations, the amount of interest paid off will increase or decrease depending on rate fluctuations. If you’re comfortable with taking a bit of risk and potentially saving more money over your mortgage term, a variable-rate mortgage might be a good route for you.

While paying off your mortgage faster may not be your first thought when making a new home purchase, it’s important to consider if you may plan to do so in the future. Making monthly prepayments or annual lump sums can save buyers a considerable amount of money, however, it’s only worth your while if your mortgage allows for it. If you want to pay your mortgage off as quickly as possible, knowing your prepayment privileges is essential. These privileges are outlined in your mortgage contract and determine the number of additional payments you can make toward your mortgage, as well as how often and how much you’re able to pay off.

BEWARE OF COSTLY PREPAYMENT PENALTY FEES

Once you understand your prepayment privileges, you need to consider the prepayment penalties within your mortgage contract. This should be top of mind when shopping around for different lenders and mortgage options, especially given that penalties – in some cases – can add up to tens of thousands of dollars. Some lenders have higher penalties, such as big banks, or “no frills” mortgage options, while others are lower. Understanding the penalties that come with your mortgage will not only help you find the right option, but also save you money over the long term. This will help you avoid any big surprises if you ever have to break your mortgage earlier than expected.

DON’T GET CAUGHT UP ON THE RATE

Although your rate is a significant aspect of your mortgage, it doesn’t

necessarily mean everything. If you shop for a mortgage based on rates alone, you may find yourself in a situation where you can’t take advantage of features that could save you money. Some lenders might seem favourable because they offer a slightly lower rate, however, these options could cost you more money over time. While the rate you lock in could save you a couple hundred of dollars, your amortization length and prepayment privileges have the potential to save you thousands. That’s why it’s important for buyers to understand the significance of other mortgage features, aside from rates.

EXPLORE YOUR OPTIONS AND SHOP DIFFERENT LENDERS

Going beyond the big banks, other lenders such as credit unions and monoline lenders continue to grow in popularity because they offer competitive products, lower rates and penalties, and increase your chances for approval.

If you’re currently navigating the homebuying and mortgage process, the most important thing to do is ensure you’re informed before taking this next step. Having clarity and understanding the fine print will allow you to make a decision that is right for you.

Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm. thinkhomewise.com

TIPS TO HELP YOU MAKE THE MOST OF

HARVEST TIME

summer, you are in luck, as your tomatoes are reaching their peak in late summer and fall.

MARK AND BEN CULLEN

It’s harvest time for gardeners, and the most proactive among us are picking up the pickling jar and getting to work. The harvest is coming in fast and furious.

If you are among the many people who did not plant vegetables, consider visiting the farmers’ market or pick-your-own farm for fresh, locally grown produce. These are a wealth of raw material for the health-oriented foodie.

WHY GROW YOUR OWN?

If you are among the many happy readers who invested in the sowing and tilling of a vegetable garden this

There is a tendency, however, to overlook many of the flowering plants that perform well this time of year and are edible. Here are a few of our favourite “garden variety” plants that can help you beef up your daily quotient of greens, while exploring some new taste sensations.

POT MARIGOLD. Calendula – a brilliant colour and warm flavour. A few hundred years ago, the petals were used to add colour to cheese. Now it is recognized for its high carotene content, the antioxidant nutrient found in carrots and squash. To add colour and nutrition to rice, add half a cup of finely cut up calendula petals to two cups of rice.

They love sun and tolerate frost, so you don’t have to kiss your crop

goodbye as soon as the first frost arrives and they bloom late into the season.

MINTS. They are creeping around your perennial garden and possibly at the base of your roses. You may hate them for their aggressive growth habit, but they are a popular herb. The leaves produce a wonderfully tasty addition to many table dishes. Our advice: Get even and cut them back, using the leaves for a variety of culinary purposes.

Sprinkle cut leaves on fresh fruit, ice cream, or add some of the flowers to the frosting on a cake. To avoid the hassle of aggressive, perhaps invasive, plants, try the new hybrids that generally behave and “clump” rather than travel. Mark really likes the new Cat Mint “Cats Pyjamas.”

NASTURTIUMS. This may be the easiest to grow and the most overlooked edible flowering plant on this list. Every part of the plant is edible, and the flower is now famous as a colourful garnish wherever a peppery flavour is favoured. Salads, salad dressing, vinegar, in cakes with a cream cheese frosting, or add petals to pasta dishes. The seeds also produce a peppery flavour that stores well in a jar with vinegar.

Nasturtiums grow best in an open soil and bright sunshine. We grow them from seed for best results. Water frequently as they don’t like to dry out; leaves turn yellow and eventually the plant will collapse. Sometimes this year’s crop will selfsow for another crop next year.

ROSES. It might surprise you that every garden variety rose is a “salad

enhancer” in waiting. Add colour and a unique flavour to anything green by adding some rose petals. Be certain that your edible rose petals have not been sprayed with pesticide before use.

GLADIOLA. They are in bloom in your garden and at farmers’ markets right now. They are inexpensive and they are, you guessed it, edible. Use the flower petals to dress up a steak hot off the barbecue or to enhance the appearance and taste of a salad.

GARLIC. Perhaps a bit obvious as an edible, but not so well known is that the best time to plant garlic is in the fall. After the first frost consider planting some in your garden for harvest next august. Another popular edible available fresh for most any farmers’ market this time of year.

There are many ways that you can expand your usual food offerings this time of year. If ever there was a time to experiment and stretch your taste buds, this is it. Harvest season comes but once a year.

Mark Cullen is a Member of the Order of Canada. He reaches more than two million Canadians with his gardening/ environment messages every week. Receive his free monthly newsletter at markcullen.com Ben Cullen is a professional gardener with a keen interest in food gardening and the environment. You can follow both Mark and Ben on Twitter @MarkCullen4, Facebook @MarkCullenGardening and Pinterest @MarkCullenGardening.

SERENITY BAY

YOUR ACTIVE ESCAPE BY THE LAKE

What would it be like to live in the lush landscape of Severn, with your own private boardwalk to a beach club on the shores of Lake Couchiching? What would it be like to have a wide-open backyard, where you can build, garden, dine and play? What would it be like to be able to escape into nature any time of year, at any moment, to discover again and again all the hidden wonders of this beautiful part of the country?

Serenity Bay is a new collection of wide townhomes and 50- and 60-ft. homes in Severn, by LIV Communities in partnership with Bosseini Living. Located at Grayshott and Turnbull Drive just off Lake Couchiching, Serenity Bay offers four-season living. Whether you prefer the warm embrace of summer or the crisp

beauty of winter, there is always something to do.

On a typical summer day, you and your family may take a walk to the lake. At Serenity Bay, you’ll have a private boardwalk that takes you to your very own beach club, with a pier, picnic and swimming areas, and water activities: Stand-up paddle boards, kayaks, canoes and more. Play volleyball, horseshoes or lawn bowling on the beach, or grab a yoga mat for your afternoon routine in the sunny splendour of the outdoors.

Summertime brings with it plenty of opportunities to get out on the water. Launch your boat just down the road at Cumberland Beach to take your family or friends on a ride. Tubing, wake surfing and waterskiing are all popular activities. If fishing is your

passion, catch some delicious walleye, bass, pike or – if it’s your lucky day – a prized muskie.

But maybe you’d prefer to stay on dry land. Walk 18 at one of the picturesque courses in the area, including Couchiching Golf and Country Club, Hawk Ridge or Lake St. George. If you’re a cyclist, take to the country roads to discover the charming towns and vistas of the area and beyond. There are also several equestrian centres nearby, where you can book a tour through the local trails on horseback. In the fall, the hiking is particularly beautiful, as the foliage begins to turn to amber, deep red and gold. Majestic birds, deer and other fauna are often sighted in the area if you know where to look along the marshes, woodlands and shorelines.

For a more adventurous group outing, schedule a modern-day treasure hunt with geocaching. Use GPS coordinates to prompt teams to search for hidden caches in the area, each containing trinkets and logbooks leading to the next clues and challenges. Or plan a photography workshop, where you can share some tips to help your group capture the best shots of local wildlife among the stunning backdrops of your new community.

But maybe you’d like to do something right at home: Set up a new garden, build a treehouse for your young children or begin a new DIY project. At Serenity Bay, you’ll have a wide-open yard on a large lot that gives you the space to do it all. You could even build your own pool or court – basketball, tennis or pickle ball – and your basement has enough room to construct your own fitness facility tailored to your wellness regime. At the end of the day, wrap-up with some late-night snacks by a beachside bonfire, and sit back to take in the stars on the clear summer night. You earned it, after all.

As the seasons change, so too do your opportunities to stay active. When the snow hits, experience the magic tranquility of the nearby trails of Couchiching Beach Park or Scout Valley Loop with your snowshoes or cross-country skis. Then head back inside to your cosy fireplace and some hearty, stick-to-your-ribs winter stew. Or, for an extra shot of adrenaline, rip across the frozen lake and through kilometres of powdery winter trails on

your snowmobile. If that’s not for you, plan a couple hours – or a few days –ice fishing for the same delicious catch you enjoyed all summer long. At Serenity Bay, not only do you have plenty of opportunities to get outside and enjoy the area, but you can rest easy knowing you’ll be returning to a well-crafted modern home for years to come.

To learn more, visit livhere.ca.

DOUG TARRY HOMES

BUILDING ON THE FAMILY BLUEPRINT, ONE HOME AND FAMILY AT A TIME

Since 1954, Doug Tarry Homes has been devoted to serving customers in St. Thomas and the surrounding areas. Over the years, the company has gained valuable insights into the art of homebuilding. Its success story is rooted in the legacy passed down to us by Doug Tarry Sr., who instilled the principle of leaving every campsite better than you found it, during family canoe trips.

From the moment the company founder conceived his first blueprint, Doug Tarry Sr. pursued his dream of creating homes renowned for superior quality and craftsmanship, catering to the families of St. Thomas and its environs.

Today, the company continues to build upon this blueprint for success, one family at a time. Doug Tarry Ltd. understands the significance of personalizing your new home. That’s why it takes immense pride in offering a comprehensive range of in-house

design services, encompassing both structural and décor design. This unique provision allows homeowners to collaborate with a team of experts to customize their home’s layout, structure and aesthetic according to their specific needs and desires.

With in-house design services, Doug Tarry Homes ensures that every home it builds reflects the distinct preferences of its clients. This personalized approach enhances homeowner satisfaction and makes the homebuying process more enjoyable and stress-free.

Moreover, having both structural and decor design services in-house streamlines the overall design and construction process. Homeowners can seamlessly work with a single team, minimizing potential miscommunications or delays.

In addition to personalized design services, the company understands that some individuals may have time-

sensitive needs when it comes to finding their dream home. That’s why Doug Tarry Homes presents movein ready, quick possession homes, designed to cater to those seeking a prompt and convenient solution. These homes are meticulously crafted and finished to high standards, allowing you to settle into your new home without delay. The team meticulously plans and constructs these homes with the same attention to detail and craftsmanship that is characteristic of all its projects.

The advantage of choosing a quick possession home is the accelerated timeline from purchase to move-in. Rather than waiting for construction to be completed, you can expedite the process and start enjoying your new home sooner. These homes are designed with carefully selected features, finishes and floorplans, ensuring a desirable living experience right from the moment you step

through the door. You can expect the same level of superior quality and design excellence in our quick possession homes as you would in any other Doug Tarry home.

The company is deeply committed to constructing responsible homes that promote well-being for both occupants and the environment. Every Doug Tarry home is meticulously crafted to meet Energy Star for New Homes and CHBA Net Zero Ready qualifications. This dedication to energy efficiency translates into lower utility costs, reduced carbon footprint, enhanced comfort, and a healthier living environment for your family.

A commitment to energy efficiency and sustainability is unwavering, as all Doug Tarry homes are Energy Star certified and Net Zero Ready. By adhering to higher energy efficiency standards, this offers homeowners numerous benefits, including longterm energy savings, improved comfort and increased resale value.

Doug Tarry Homes provides a range of standards and upgrades to accommodate the diverse needs and expectations of clients. From hard surface countertops to hardwood and ceramic flooring, fireplaces, garage door openers and finished basements, an array of upgrades enhances both functionality and aesthetic appeal. By offering a range of standards and upgrades, the company ensures that your home is uniquely tailored to your needs, preferences and budget. Whether you desire a more functional kitchen, an elegant bathroom or a finished basement for added

versatility, an extensive selection of upgrades allows you to transform your house into a home that truly reflects your individuality.

Doug Tarry Homes is committed to providing homeowners with

the opportunity to personalize their residences according to their individual preferences and budget. The ultimate goal is to create highquality homes that are not only functional and well-crafted, but also reflect the unique lifestyles of clients. Step into a world where your dreams and aspirations can be realized. Discover the home that perfectly aligns with your vision, needs and aspirations. Embark on this exciting journey together, as the company brings your personalized dream home to life.

Experience the Doug Tarry difference today.

Visit dougtarryhomes.com.

SHELTER COVE

WHERE TRANQUILITY, PRIVACY AND SECURITY AWAIT

Shelter Cove is a year-round, waterfront community on the Shores of Lake Erie, adjacent to the Forests of Selkirk Provincial Park. Nestled at the mouth of Sandusk Creek, Shelter Cove has a rare location for a protected marina within a short distance to Lake Erie boating, picturesque vistas, easy access to hiking and biking trails and a

charming small-town atmosphere that offers serenity and tranquility as well as a host of fun recreational activities.

ALL THAT YOU NEED AND WANT Privacy and security are paramount at Shelter Cove, and controlled gated access provides residents with peace of mind.

As a land lease gated community, Shelter Cove offers property maintenance-free living. For a very low maintenance fee starting from $160 per month, the grass is cut, and snow is shoveled providing you with more time to do the things you enjoy most. The community has its own drinking water sourced through

reverse osmosis, and no need for septic tanks, as Shelter Cove owns a state-of-the-art water and wastewater plant, and the residents benefit from the convenience of natural gas.

Currently under construction is a residents-only club house, which will feature more than 5,000 sq. ft. of on-site amenities. In addition, there is a large outdoor swimming pool, extended walking trails, private marina and dog park with plans for future amenities.

Abundant of amenities surround Shelter Cove, including supermarkets, healthcare, hospitals, golf courses, quaint towns and boutiques, as well

as a variety of restaurants and service clubs in nearby Port Dover and Simcoe.

PRICING WITHIN REACH

Prices are very affordable here at Shelter Cove. Lots range from 65 to more than 100 ft. with premium forest, waterview and open space lots still available. The completely customizable bungalow manufactured modular homes include many luxury features. Pricing starts from low $300,000s to more than $400,000 with leasehold tenure. Homes can be used as a vacation and recreational property for seasonal use or permanent accommodations year-round.

Leasehold tenure provides a financial advantage because it saves purchasers the capital outlay of a serviced building lot, which can run as high at $150,000 to $200,000. Investing this money wisely has the potential of paying the annual cost of the lease, while the principal remains intact. Resale homes sell quickly.

Experience a well-deserved lifestyle living lakeside at Shelter Cove. Enjoy relaxed mornings, fun filled days and tranquil evenings by the lake at Shelter Cove. Visit

ADRIANA BELL

PROPERTY MANAGER

EDGEWOOD SUITES, FLATO DEVELOPMENTS INC.

BY WAYNE KARL

For a fairly young company (2005), Flato Developments sure has come a long way. With multiple developments of varied housing types in GTA markets such as Stouffville, Brampton and Richmond Hill, and now further out locales such as Dundalk (about 125 kms north of Toronto), the Markham-based builder has quickly built a solid foundation.

But at Flato, it’s not just about building homes, it’s about developing entire communities, and giving back to those communities in meaningful ways.

In Dundalk, for example, to complement its Edgewood Greens townhomes and detached homes, Flato is also developing Edgewood Suites, an adult lifestyle community comprising studio and one- and twobedroom rental units.

To find out more about this unique offering, and other goings on at Flato, we sat down with property manager Adriana Bell.

Let’s start with an easy one… We’re already past the midway point of 2023. How is the year shaping up for Flato Developments’ Edgewood Suites?

It’s shaping up to be a great year. We’ve come so far with finishing touches at the property. Tenants have been steadily moving in, and although we do have a few available units at this point, the property is starting to take on its own characteristics, as tenants help shape the culture and community feeling. It’s really comforting for this project to become home to so many people.

With so many other developments and projects underway, how involved is Flato Developments in Edgewood Suites?

Flato Developments is the builder and owner of the Edgewood Suites brand. We operate under this Edgewood Suites name to help signify the unique characteristics of a purpose-built rental apartment building, tailored to 55-plus active adults.

What more can you tell us about the demographic this project would appeal to?

Edgewood Suites offers all the comforts of a well-appointed home, with five appliances, personal thermostat controls, modern finishings and high-quality amenities

with simplicity of a single monthly payment. This type of unit is ideal for a homeowner looking to simplify their life by removing maintenance and utility costs, and is an ideal choice for anyone living in other rentals who would appreciate living in a community of peers with similar interests. Our units are independent living, meaning we do not include any health care services – however, our concierge can help connect tenants with local convenience and health care resources to help meet their needs. Whether you are still working or already retired, Edgewood Suites is tailored for each person to find their own balance of independence and involvement.

Where else will we see Edgewood Suites?

Edgewood Suites is the first but won’t be the last purpose-built rental project from Flato. We plan to add these buildings alongside Flato-built communities in Owen Sound, Beeton, Shelburne, Lindsey, Cameron, Markham and King City. The Dundalk project is our flagship in this new brand, and we are excited to offer purpose-built 55-plus rental

housing options alongside our single-family homes, townhouses and condos to offer a full range of housing opportunities.

What types of amenities and extras are provided at Edgewood Suites?

We have some fantastic amenity spaces at Edgewood Suites, including a games room that features a full kitchen and harvest table that seats 14 people, and walks out to covered patio that overlooks the 77-km multi-use trail on the back border of the property. The library offers a cosy fireplace, comfortable reading nooks and a putting green, the gym meets all of your fitness needs, and the faith room is available to feed the soul. The side of the building is topped with a large patio with barbecues overlooking the beaver ponds and woods to the south. All of these amenities are made better by the social programming that offers something for everyone. From paint nights to wine tasting, bingo, cards and creative writing workshops, the social programming is led by tenants to ensure that programming is in demand.

What prompted Flato Developments to undertake purpose-built rentals such as Edgewood Suites?

Flato builds in many smaller towns, and we heard from locals, community leaders and municipalities that there was a need for diverse housing options. We know it is hard for older adults to find a situation that meets their needs. Our Edgewood Suites brand offers a more costeffective living option than fullservice retirement villages, while offering the independence and high-quality finishings that many older adults appreciate. Our units are barrier-free, buildings feature elevator service to all floors, and all bathrooms have grab bars to help facilitate aging in place. Social programming and comfortable shared amenities encourage social inclusion and help to fight the isolation that can plague older adults and have a negative impact on health. Flato Developments believes in building communities, and that means offering diverse housing options. Edgewood Suites speaks to our commitment to quality housing of varied types.

on a personal note

Who or what are your greatest influences in life? And in business?

Flato is well known for giving back to the community, in many ways. Where does this philosophy come from?

Shakir Rehmatullah, president and founder of Flato Developments, is a philanthropist. He is also modest and doesn’t like it when I point out all the things he does for our community. He donated $500,000 to the hospital redevelopment project in Markdale that serves Dundalk, and $1 million to the new local Dundalk community health centre. These kinds of donations are common for him, as he always supports the local communities where he is building. In Lindsay, he recently contributed $3 million to Ross Memorial Hospital and $1.2 million to Fleming College. He supports local charity events, sports teams and events such as the recent Canada Day celebration in Owen Sound. Best of all, staff are supported in participating in community organizations and service clubs, such as Shelburne Rotary Club and events such as the Senior’s Health Fair here in Dundalk where I was a presenter last year. It is a company philosophy that we should all strive to contribute in positive ways, and to go above and beyond for our clients and communities.

edgewoodsuites.ca

Oh, big question. I often think of how I’ve kept little pieces of those people I’ve worked with previously. I can’t leave my desk on a Friday until I’ve tidied up because of this great COO, I had once that had a requirement for clean surfaces in offices and an overall eye for detail that I am so grateful he instilled in me. Then I hear this great facilitator in my head who I worked with only briefly, but who always said “and, not but” referring to the fact that things can be contradictory and, (not but) true. I had a GM in one role who always told us to “assume good intentions,” and I had a manager who used to encourage me to not be afraid of big ideas, even when they come from small spaces. I think I have collected a great shoe box of insights and habits from previous leaders I’ve worked with that probably have more influence on my day to day than any big names.

What’s

on your reading list these days?

In the summer, I have to admit that I don’t have a lot of time to sit down and be still. So, I’ve actually gotten really into audio books. Listening to the author read their work in their own words is riveting. I listened to The Color Purple read by author Alice Walker… Oh, it gave me chills. And listening to Tina Fey read her humourous memoir Bossypants is a completely different experience from reading, in a good way. It kind of feels like you are having brunch with the author with all the benefits of hitting pause and rewind. Also, podcasts are my new goto while I’m doing housework. I enjoy the diversity of topics they cover.

WHAT IS A POWER OF ATTORNEY AND

WHAT SHOULD IT INCLUDE?

JAYSON SCHWARZ, LLM

Whether you are a young or an older person, preparing Powers of Attorney and Wills is a necessary evil that everyone not only should do but must do. I stress this because I have seen so many times the mess that is left behind when an individual doesn’t take care of their affairs and a family is left trying to pull the pieces together.

This article is not about your Will, it is about preparing Powers of Attorney and not just using printed forms. This became glaringly obvious to me recently when a man suffered a brain aneurism, and his wife was put in the horrible position of having to decide whether to end all life support, effectively leading to the death of her husband.

The husband should have made that decision himself earlier, and spared his wife the horror and guilt. How do we do that?

There are two kinds of Powers of Attorney (POA) that each of us should sign. The first is for financial matters. This POA allows the designated attorney to conduct all financial affairs, as if he or she were that person. This would help, for example, in a case where a person had two broken arms and couldn’t sign cheques. Even with this POA, if you want restrictions and specifics, you need to have the lawyer you retain include these details in the legal document.

The POA for personal care gets even more tricky. This is where you need to think about all of the potential problems that could occur,

and how you want to make decisions on what happens in advance. As an example, here is one kind of clause: I do not wish to be kept alive for any significant period of time if I am in a vegetative state or I am being kept alive by artificial means, unless there is a reasonable chance of my recovery such that I will no longer be in a vegetative state or kept alive by artificial means. Where there is no reasonable chance of recovery, I direct that I be allowed to die and not be kept alive by medications, artificial means or “heroic measures,” and I direct that any such medications, means or measures that would keep me alive in those circumstances be withheld or withdrawn. I do, however, ask that medication, means and measures be mercifully administered to me or medical or surgical procedures be taken to

alleviate suffering even though this may shorten my remaining life.

Or, as an example, here is a list to consider: Health care, nutrition, shelter, clothing and hygiene. At our firm, we typically arrange for either a GP or surgeon to be available to review these issues, and be able to discuss them with our clients as part of the process in order that we might incorporate their desires into their POA.

Taking these steps and clarifying these matters now is the best gift you can give your loved ones. Don’t wait.

Jayson Schwarz LLM is the founding senior partner of Schwarz Law Partners LLP. schwarzlaw.ca.

SEPT 29 - OCT 1 ENERCARE CENTRE | EXHIBITION PLACE

The Fall Home Show is back!

It doesn’t matter where in Toronto or the GTA you live. It doesn’t matter how big or how small your home is. It doesn’t matter if your style is modern chic or rustic wonder. The Fall Home Show is for you! Shop over 300 home and lifestyle vendors, plan your next renovation, get free interior design advice, and more!

Don’t Miss!

Learn From the Experts!

Don’t miss your favourite celebrities, including HGTV Canada’s Scott McGillivray and more at the Fall Home Show this year!

Get Hands On!

Tired of the clutter in your home and workshop? Stop by the DIY Centre to find some storage and organizational projects you can easily tackle.

For more information vist: FALLHOMESHOW.COM

Free Design Advice

Meet with Reno+Decor

Magazine designers and decorators for a complimentary 15-minute interior design consult!

HOW TO DECORATE

YOUR TERRACE FOR SUMMER

by LISA ROGERS

Summer is the time we spend a lot of time outdoors, so creating a warm, inviting space to chill out and enjoy nature is really important. Whether you’re entertaining friends and family, or simply enjoying a morning cup of coffee, your exterior environment is equally as important as inside your home.

Now that summer is officially here, it’s a good time to highlight some simple ways you can upgrade your deck.

FOCUS ON FURNITURE

Select natural materials and finishes to give an overall sense of calm and peace for your deck. Teak furniture is ideal, as you don’t have to store it indoors during the winter, while faux wicker pieces have a great organic feel, never break down and are easy to clean. If you get a lot of direct sunlight, create shade with a cantilever umbrella. Transportable, small tables also work well as a convenient place to lay down a book or place a cocktail.

BUILD A SMALL GARDEN

Before you start selecting what plants and flowers you’re going to use, make sure you evaluate your sun exposure, wind and general temperature zone your home is in. All of that will affect which blooms will grow best.

Whether beside the deck door, along the stairs or a railing, scatter beautiful potted plants all over in varying sizes and shapes, while also using a bunch of annuals and perennials for beautiful shots of colour. There’s certainly no

shortage of planters available, so you can find virtually any size and style that suits you. This is the time I also plant my favourite herbs (a sunny patio is the perfect spot to grow them), along with a tomato plant or two. If you’re uncertain what to plant where, your best bet is to go to a garden store so they can answer any questions you have.

CREATE A COSY SEATING AREA

Turn your deck into an outdoor living room by accessorizing with a cosy seating area that is all-weather and durable. It will lend a comfortable

vibe to the space. Think of adding an outdoor rug giving the space a nice textural element, while also being highly functional (it will help anything from being tracked when you move in/outdoors). Opt for a rug in a neutral colour, so as to blend in with your existing deck (and furniture) as best as possible.

CREATE PRIVACY

Love your deck, but not your view? Block out your street, a busy intersection or that nosy neighbor by using a row of evergreens to form a privacy wall where you

need it. It’s the easiest way to build an intimate, private space in your backyard. I love faux hedges and plants, too. Definitely less maintenance, and they last for years. If you have the space, consider a retractable awning, that will not only protect you from the sun, but will also act as an anchor to your space giving a more intimate feel. Alternatively, you could install a wooden lattice wall to one side of your deck and plant clematis and climbing roses that will naturally grow up the lattice. Over time they’ll form a gorgeous wall of blooms.

Lisa Rogers is Executive Vice-President of Design for Dunpar Homes (dunparhomes.com). Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and as a regular guest expert for fashion and image, health and wellness and design on CityTV’s Cityline. Follow Lisa’s blog at craftedbylisa.ca

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Complete guide to adult lifestyle communities

REMOVING PARKING MINIMUMS

WOULD BE A WIN FOR AFFORDABILITY

The Greater Golden Horseshoe is facing an affordability crisis: Rising rent and mortgages are causing strain on many families’ finances. Government and the development industry need to act quickly and cooperatively to increase housing supply. One conceivable way to help is by eliminating mandatory minimum parking requirements. Based on research and case studies from other jurisdictions, we know that parking requirements reduce housing affordability and the development feasibility for new homes. The cost of building parking is high, and it is often oversupplied. Parking minimums were introduced decades ago to ensure that new developments had plentiful parking as the car began to dominate cities in the mid-20th century. More recently however, there has been a policy shift towards more sustainable travel options and denser developments centred on public transit and walkability.

It is time for us to rethink mandating parking requirements for residential developments. Cities across North America are now vastly reducing or outright eliminating mandated parking, as people own fewer cars and desire to live in more urban environments. For example, in 2020, the City of Edmonton eliminated parking minimums and has not seen any negative impacts resulting from this change.

Developers continue to provide parking when needed to meet their consumer demand, but are not overproviding parking when the market dictates it is not necessary. This has resulted in building enough parking to meet demand, but not requiring the developers and newhome buyers to pay for an oversupply of parking spaces.

The cost of mandated parking is high; a single parking space can cost more than $100,000 to build. This cost is passed on to the purchaser or renter of the home. Far worse, in some cases, the additional cost of providing the required parking spots results in developments not being feasible to build. Not only do parking mandates increase the cost of housing, but they can also reduce our overall housing supply potential – at a time where we need to dramatically increase it. If we are to address housing affordability, we need to rethink mandated minimum parking requirements. Where it makes

sense to build, and there is consumer demand, builders will continue to provide parking. Where it does not make sense, there will not be a mandatory requirement in place that increases the cost to provide housing.

In the future, as we increase local transit options, promote sustainable transportation choices, and strive to intensify and redevelop our cities, we must explore removing mandatory minimum parking requirements in cities across the region. By eliminating mandated parking minimums for new development, we can create more vibrant, active, walkable, transit-friendly and more affordable communities.

Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

MIKE COLLINS-WILLIAMS