(NC) If you’ve spent the last several months daydreaming about your ideal renovation project, you’re not alone. Whether it’s a reno for a new kitchen, your own spa bathroom, a basement media room or a beautiful backyard oasis, there’s no shortage of dreams to take on.

Here are a few tips to make your vision a reality:

Spend time planning ahead. 
The more you think about your project before you begin, the better you’ll understand your wants, needs and priorities.

A great place to start is thinking about why you’re doing this project in the first place. Is it to create more space? Add functionality? Freshen up décor? These questions will help you make the right decisions during your project.

Know when to call in the pros. 
Many home reno projects might seem DIY, such as laying tiles and flooring. But for anything structural, mechanical or electrical, it’s best to hire a properly licensed professional. You don’t want to cause any fires or leaks that could lead to more time-consuming and costly damage to you or your home.

Save on splurge-worthy finishing touches. 
Add creature comforts and finishing touches that make completing your renovation all the more rewarding. From a luxurious Nespresso espresso machine, to the perfect Cuisinart kitchen gadgets, to that coveted Napoleon barbecue, you can use Air Miles Reward Miles to save big on must-have items for your newly renovated space.

Find more information at rewards.airmiles.ca/merchandise.

(NC) As many of our homes have transformed into makeshift offices and classrooms and we plan summer staycations, fire safety has become a priority.

With more regular activity in and around the home, the risk of hazardous home incidents, such as fires and carbon monoxide (CO) poisoning, may also increase. Here are the top three tips to help you and your family stay safe this summer:

Get alarmed. 
Even if you have alarms, you may not be sufficiently protected. Safety experts recommend installing smoke and CO alarms on every level and in every bedroom of your home. Test alarms regularly and replace the batteries every six months. To eliminate the need for battery replacements, upgrade to 10-year sealed battery alarms. But remember that alarms don’t last forever and should be replaced at least every 10 years.

Gear up to grill. 
Before you fire up the barbecue for your next cookout, position it well away from the house on a flat surface and give it a good cleaning to keep grease build-ups from catching fire. Equip yourself with long-handled tools to provide plenty of clearance from the heat and flames.

Just in case of an emergency, have a fire-extinguishing device on-hand, like First Alert EZ Fire Spray, a compact, lightweight spray can. With no pins to pull or levers to squeeze, it’s easier to handle than traditional fire extinguishers. Just point and spray to quickly put out a developing fire.

Make an escape plan. 
The warm weather makes summer the ideal time to plan and practice a home emergency plan with your entire family. Identify two exits out of each room, including windows and doors. Set a dedicated meeting spot a safe distance from the house and ensure everyone knows to call 911 only after they are safely outside. Be sure to practice your home escape plan at least twice a year, making drills as realistic as possible.

Learn more home safety tips at firstalert.ca.

(NC) Whether it’s in your backyard or a nearby park, lawns provide more than just aesthetic benefits, they contribute to happier and healthier communities. Here’s how:
1. Providing oxygen that we breathe.

15 square metres of grass produces enough oxygen for a family of four every day.

2. Reducing the warming effect of hard surfaces.

Urban areas sprawling with buildings and concrete tend to be significantly warmer than areas with lush greenspaces.

3. Acting as water filtration systems.

A healthy lawn will slow runoff and allow time for the water to seep back into the groundwater system, rather than overworking municipal storm sewer systems and creating a flood. A lawn the size of 900 square metres can absorb more than 22,000 litres of water.

To provide these benefits, lawns require care. Pesticides are one tool that help protect lawns by keeping weeds and other pests under control. Health Canada regulates every pesticide sold in the country to ensure they can be used safely. A product that may harm human health when used as directed will not be approved.

(NC) The return of warmer weather doesn't just mean the start of summer, it's also the kickoff to home improvement season. Every home deserves a light, airy refresh to embrace a brighter season ahead. Fortunately, transforming your space doesn't mean you need a big budget or a lot of time.

Elevate your home in just one weekend with these easy DIY projects inspired by Sharon Grech, Benjamin Moore colour and design expert.

Go for faux wallpaper
From painting one wall a bold colour or adding interest with a stylish painted arch, there are endless options for creating a focal point in your space with colour. This season, accent walls are going graphic and taking inspiration from wallpaper — with a lot less fuss.

"Whether you choose polka dots, thin lines or an intricate pattern, this transformation is an easy way to give any space personality," shares Grech. "This project is perfect for those looking to get creative — use a stencil for flawless results in no time."

Make a statement with your staircase
It can feel daunting to paint an entire room, especially if you want to do it yourself. Instead, look for small projects that make a significant impact, such as painting your stair risers. Whether you want to add an unexpected pop of colour or take a tonal approach by alternating between shades of grey like Feather Gray 2127-60 and Pike's Peak Gray 2127-50, Advance interior paint delivers a durable, furniture-like finish on wood surfaces so that you can achieve professional results in a weekend.

Welcome with vibrant doors 
Painting your front door is an easy way to boost your home's curb appeal, but who says you can't make an immediate impact by painting your interior doors?

“If you lean towards a neutral palette, painting a door in an energizing hue like Marblehead Gold HC-11 can help you incorporate a splash of colour into your home without committing to an entire wall,” explains Grech. If you're hesitant to introduce a vibrant colour, she suggests Palladian Blue HC-144 for a subtle facelift.

(NC) The pandemic is causing many of us to re-evaluate our finances. If you are thinking of renegotiating your mortgage to take advantage of a lower interest rate, be aware that this could mean having to break your mortgage contract.

If you break your mortgage contract you may have to pay a fee, called a prepayment penalty.

Before breaking your mortgage, make sure the benefits outweigh the costs. Far too many homeowners who have broken their mortgage contracts have been shocked by penalties amounting to tens of thousands of dollars, or other fees required to complete the transaction.

Know the costs

Every mortgage contract contains different terms and conditions. Federally regulated financial institutions must provide you with key information in a box at the beginning of the mortgage agreement, including information about any penalties and fees that will apply if you break your mortgage contract.

As a consumer, you have the responsibility to read your mortgage agreement and understand the penalties and fees associated with breaking your mortgage contract. Call your financial institution to speak to a knowledgeable person for detailed information on prepayment penalties or check out the prepayment penalty calculator available on their website.

Consider other options

Some mortgage lenders may allow you to extend the length of your mortgage before the end of its term to take advantage of a lower interest rate. With this option, you don’t have to pay a prepayment penalty. Lenders call this option the blend-and-extend, because your old interest rate and the new term’s interest rate are blended. Keep in mind that you may need to pay administrative fees.

Depending on the cost to break your mortgage, it may be best to wait until the end of its term and shop around for a new contract that provides a lower interest rate or more flexibility.

The Financial Consumer Agency of Canada provides unbiased and fact-based information on mortgages you can count on. You can learn more about the costs of breaking your mortgage at canada.ca/money.

(NC) After a year of working from home for many of us, it’s only natural to be hitting a rut. No matter how great your at-home work setup is, you might need a refresh.

Here are few tips to make working from home so much better:

1. Declutter your workspace
A lot of work-related clutter can build up over time. Take a few minutes to collect any office items lying around the house, such as your video call headphones or your loose papers and sticky notes. Then recycle anything you don’t need and store the rest in a dedicated location. You’ll feel fresher and ready to take on what’s next.

2. Upgrade your workwear
Just because you aren’t going into the office doesn’t mean you don’t deserve to feel your best and look sharp. If you’re keen on business wear, try easing into a new pair of pants or a simple summer dress to find a more relaxed summertime vibe. If you’ve defaulted to pyjamas and sweats every day, consider finding the happy medium with a new pair of sleek joggers, just for a change.

3. Get outdoors
Take advantage of the season and head outside while you can. A quick walk in a local park is a great way to take a break or end your workday. If you have a backyard or balcony, set up a simple internet extender to move the office outside on warm days. The fresh air will lift up your spirits and do wonders for your productivity.

4. Boost online security for your personal devices
According to a recent survey, only 18 percent of Canadians are using online identity theft protection tools, and most of us just don’t know where to start. With so much online activity taking place, including a high volume of info sharing, we’ve become increasingly vulnerable to cyberattacks and identity theft, so it’s worthwhile to update your security measures for your personal devices as best as you can.

While no one can prevent all identity theft or cybercrime, using an all-in-one solution like Telus Online Security Powered by NortonLifeLock can help protect your personal devices, online privacy and information. Made for consumers, the comprehensive coverage is available across Canada (excluding Quebec residents) and includes multiple layers of protection that can help protect your identity and provide restoration if your personal information is ever stolen.

Overall, changes like these can help bring peace of mind to your work-from-home life going forward. Find more information at telus.com/onlinesecurity.

(NC) Today, many families are focused on improving their homes instead of spending money on vacations and entertainment outside. With autumn as your last major chance to renovate before the winter, here are some of the best projects to tackle now for maximum enjoyment of your space.

Upgrade your kitchen
The kitchen is the heart of your home, and where you’ll be spending lots of time cooking for the holidays and entertaining your small social circle. So, give it a facelift to make sure it’s a bright and welcoming environment. A great DIY project is painting the cabinets in a bold or warm shade and updating the hardware in a metallic neutral. You can also invest in sleek, energy-efficient appliances for a clean, modern aesthetic and get fresh seasonal linens for your tablescape.   

Finish your basement
A finished basement extends your living space and has an excellent return on investment. It’s also the perfect place to turn into a spacious dedicated home office, so you can finally stop working on your dining table or couch and boost your productivity and comfort. But whether you want to turn your basement into that, a rec room or in-law suite, the first step is installing a high-performance subfloor. The best option for this is Dricore subfloor panels, which are designed with air gap technology to help protect against mould and moisture and keep floors dry, comfortable and cozy all year. It’s an easy DIY project, as the panels are easy to install and a room only takes half a day to do.

Elevate your exteriors
Not only does the exterior of your home make the first impression, it can also extend your living space – which is crucial when we’re working, living and playing at home. Make the most of it with areas you can spend time in even when the temperature drops. For example, you can create a sitting area to relax in or host smaller outdoor get-togethers for your social bubble by screening in your porch or installing an awning over your backyard patio. Laying down Dricore panels can work here too, as they will make cold surface feel warmer, softer and cozier for your feet. Complete the space with a heating lamp and you’ll be able to enjoy your exteriors almost all year-round.

(NC) In recent years, water damage from flooding has become increasingly common across Canada. In fact, the Insurance Bureau of Canada says that water damage accounts for nearly half of all insurance claims, and the frequency and cost of these claims has risen dramatically in recent years.  

Some of this increase in property water damage is due to climate change, with strong storms becoming more frequent and lasting longer. Infrastructure in many areas is old or inadequate and unable to handle the volume of water associated with these new storms as well as flash floods or snowmelt.  

Sewer backups are also occurring more often, both with old systems and with newer ones that are designed to handle both rain and sewer water. Faulty plumbing is another factor that can contribute to water damage, especially in aging, poorly constructed or poorly designed buildings. 

Despite these concerns, a poll from the Insurance Bureau of Canada revealed that more than a quarter of people don’t know if their property insurance policies cover flooding, while another 45 per cent only “think” they do. Not knowing whether you have coverage for water damage can be costly.   

Fortunately, according to Aviva Canada, one of Canada’s largest insurance providers, there are things you can do to help protect your property: 

• Perform regular maintenance on plumbing systems, including sanitary lines and hot water tanks. Have water and sewer lines scoped to reveal damage from tree roots. Test shut-off valves to ensure they will work in an emergency. 

• Pay attention to your building envelope. Roof leaks are one of the most common causes of water damage, especially in areas that are prone to freezing weather, strong winds and hail. So, it’s important to maintain the condition of your roof and clear your downspouts and drains of obstructions. Caulk your windows to ensure an adequate seal, and make sure grading slopes away from your premises. 
• Is your water hard or soft? Depending on where you live, the quality of water can affect your appliances and plumbing systems, causing them to deteriorate much more quickly. Water softeners are available for hard water areas, but you could consider using a softener for soft water areas too, as soft water can lead to corrosion of copper piping. 
• Technology can monitor and even reduce issues related to fluctuations in building temperature. Water detection and shut-off systems can prevent damage from burst pipes due to freezing or leaking of your hot water tank. Installing these systems can help eliminate or reduce loss to your property,  particularly when you’re not there. 

Talk to your insurance broker about what level of water damage your current homeowner’s insurance covers and what additional insurance you might need. Find one in your area today at aviva.ca/en/find-a-broker.