The Riz Team Blog

Archive for October, 2012

Five Economic Trends to Watch

Wednesday, October 10th, 2012

Five Economic Trends to Watch

 By Dana Flavelle |   Sun Oct 7 2012

It’s been another challenging year for consumers. The basics of life — food, housing and fuel — have all been on the increase. But some of these could moderate in the months ahead.

Tighter mortgage insurance rules are starting to have an impact on demand for housing and should eventually affect prices.  A slowing global economy is pushing down the price of oil which should start showing up in the price of gas at the pumps.

And the worst drought in 25 years in the U.S. Midwest is threatening to boost overall food prices, though perhaps not by as much as you might think.

As 2012 heads into the home stretch we take a look at these and other trends and gauge where they’re going.

1. Food inflation: Higher than usual

A drought in the U.S. Midwest has sent the price of field corn soaring by 50 per cent, but the price of four cobs of fresh sweet corn in local supermarkets was still four for $1. Why was that and what does the drought mean for food prices? We asked Alfons Weersink, production economics professor, University of Guelph.

He says: When it comes to corn, there are two types. The drought primarily affected what is called field corn, which is used to feed animals and is also an ingredient in cooking oils, starch, breakfast cereals and other processed foods.

In comparison, sweet corn, the type consumers buy on the cob, in cans or in the freezer section of the supermarket, is grown in regions that have not been adversely affected by the weather.

Another key difference is the price of field corn is set on global markets. The U.S. is a major supplier, so when the U.S. crop fails it has a big impact on world prices. Thus, a drought in the U.S. Midwest pushes up the cost of corn paid by beef farmers to feed their cattle whether they’re in Texas or Alberta.

In comparison, sweet corn prices are set locally. In parts of Ontario, a combination of heat and rain this summer meant local growers had a bumper crop. Thus, prices for corn on the cob remained favourable.

Another reason the drought had a big impact on field corn prices is supplies are tight. About 40 per cent of the U.S. crop now goes to make ethanol to fuel cars, leaving less to feed animals. So a small disruption in supply can have a big impact on prices.

However, consumers haven’t seen much of an impact in the grocery store, Weersink said. That’s because the price of field corn is just part of the cost of the finished product, whether it’s steak or cooking oil or cereal.

The price of most processed foods is also affected by the cost of labour, transportation and marketing, he said.

“A 50 per cent increase in the price of corn doesn’t translate into a 50 per cent increase in the price of food in the stores,” Weersink said.

In fact, the increase in the price of field corn is expected to nudge overall food price inflation up by 3 and 5 per cent, he said. Food prices would otherwise rise at the same rate as the overall inflation, between 2 and 3 per cent, he said.

Related: 8 ways to make your fridge last longer

2. Gasoline: Cheaper fuel coming

Why is gasoline $1.30 a litre at the pump when the price of West Texas Intermediate crude oil is just $92.48 U.S. a barrel? We askedSpencer Knipping, oil adviser with the Ontario Ministry of Energy.

He says: Three things usually influence the price of gas at the pumps. The price of oil is one. The price of wholesale gasoline after it leaves the refinery is another. And local gas station price wars are a third.

But in the past two years another factor has emerged — lack of North America pipeline capacity. Producers can’t move their oil to refineries, so inventories are building up at a central hub in Cushing, Okla. And that’s depressing the North American price of crude oil, called the West Texas Intermediate price.

Consumers aren’t seeing the benefit because gasoline prices are based on international oil prices and the benchmark price is North Sea Brent crude, which is currently about $112 U.S. a barrel, nearly $20 U.S. a barrel more than the West Texas Intermediate price.

Apart from oil, pump prices are also affected by seasonal fluctuations and unpredictable disruptions, such as hurricanes, in the supply of wholesale gasoline.

Local price wars between gas stations also affect prices. When one station decides to lower its price to capture more business, others will follow suit. Prices can fall as much as 5 or 6 cents a litre before bouncing back up.

Knipping said many analysts see a decline in oil prices over the next 12 to 18 months because world economic growth is slowing. Consumers will eventually reap the benefits, he said.

“Lower oil prices do eventually flow through to the pump, but sometimes there are hiccups along the way,” Knipping said.

3. Home heating: Natural gas windfall

Natural gas prices have plummeted and so has the cost of heating your home, though not as far. Why is that and where are prices headed? We asked Ian MacLellan, one of the principals at Energyshop.com.

He says: It’s the old law of supply and demand. New technology called fracking has unleashed the gas stored in shale deposits in the U.S.

Combined with lower demand during the recession and a relatively mild winter last year, it’s created a surplus of natural gas.

The inventory buildup south of the border has driven down prices across North America thanks to a natural gas pipeline distribution system that connects Canada and the U.S.

Consumers who use natural gas to heat their homes are enjoying the savings, MacLellan says.

“About three years ago if you were buying your gas from Enbridge, you were paying 32 or 34 cents a cubic metre for it. Now it’s 8 cents a cubic metre,” MacLellan says.

Your overall bill won’t have declined by as much as the price of the gas itself, he said. That’s because the bill includes about 14 cents a cubic metre in other charges for things like distribution. And that figure hasn’t changed much.

Canada’s National Energy Board says it expects prices to remain the lowest they’ve been in a decade due to the record level of natural gas in storage.

Even though producers have cut back in both the U.S. and Canada in response to the low prices, it hasn’t substantially affected supply.

For the winter ahead, MacLellan said, he expects the price of natural gas will remain unchanged.

Related: Are furnace maintenance plans worth it?

4. Housing: Low rates, weaker demand.

Worried about a housing bubble, Ottawa clamped down on mortgage lending this spring, reducing the maximum amortization for insured mortgages to 25 years from 30. In the Toronto area, a wave of new condos is coming on stream, just as demand is falling. What lies ahead?

We asked Shaun Hildebrand, senior market analyst Toronto, for Canada Mortgage and Housing Corp.

He says: For the past 15 years, house prices have soared as a combination of falling interest rates and a stronger economy unleashed pent-up demand after the recession in the early 1990s.

In major centres like Toronto, housing prices over that period grew six times faster than average incomes, pushing home ownership out of more people’s reach.

There are fewer first-time buyers now in the market and, although existing homeowners are moving up, down or sideways, it’s no longer a seller’s market, he said.

As a result, prices are expected to stabilize.

Hildebrand believes affordability will improve in the short term. Incomes will have a chance to catch up with prices, the Canadian economy will strengthen and interest rates will remain relatively low.

Related: Why 10% down on a house worked for me CMHC sees prices for all GTA homes rising 7 per cent to just under $500,000 this year, before levelling off next year at $506,000.

For the moment, the City of Toronto seems to be defying the odds. Even though the number of units sold was down, prices were up again in mid-September. The average detached home reached $805,308, a 17 per cent increase over last year, according to the Toronto Real Estate Board.

In the suburbs, the price of a detached home was up 6 per cent at $563,739.

Condo prices were also split. In Toronto, the price of a highrise condo rose 5 per cent to $352,851 while in the suburbs they dropped 2 per cent to $287,467, according to TREB.

5. Interest rates: Not rising much

Worried about rising levels of household debt, the Bank of Canada has repeatedly warned that it will eventually raise its benchmark overnight rate from the current very low 1 per cent level. It’s been there for two years.

But few economists believe the central bank rate, which influences borrowing costs for everything from houses to cars, will rise any time soon. The unresolved debt crisis in Europe, a weak recovery in the U.S. and a slowdown in China all continue to weigh on Canada’s economic growth, they note.

Here are some forecasts:

CIBC World Markets said in a Sept. 27 report:

“We have a rate hike pencilled in for early 2014, expecting that by then, Canada’s fiscal drag will be lighter and global growth more supportive for commodities exporters.”

RBC Economics wrote in a Sept. 7 report:

“External risks mean that the Bank of Canada will likely opt to keep policy highly accommodative for longer. We pushed back our call for the first rate hike to the second quarter of 2013 from the first quarter of 2013.”

TD senior economist Jacques Marcil wrote in a Sept. 5 report:

“We expect global conditions to improve as we move into 2013, lifting Canada’s economy and prompting the Bank of Canada to become the first monetary authority to increase interest rates among advanced economies, probably next spring.”

The central bank’s next rate-setting meeting is Oct. 23.

Related: Why markets could end 2012 on a happy note

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47 Skills You Need to Survive Homeownership

Tuesday, October 9th, 2012

Don’t get caught with your toolbelt down—learn these techniques and tackle any household emergency with ease

Published by This Old House magazine

Too bad a house doesn’t come with an owner’s manual. And a week-long seminar where you learn what every button, switch, and wire is for. Alas, the keys to the castle come with no troubleshooting guide to dog-ear—and, we’re betting, no wise master to unlock the mysteries of the place you call home.

Then again, that’s what we’re here for: to provide fast fix-it advice when it’s time for you to do your homeowning duty. Because at some point, you’re going to have to know how to change out a light fixture without zapping yourself to kingdom come. Or paint a double-hung without gumming up the works. Or stem the flood when the toilet overflows. And you’re going to want to do things right. The first time.

So consider these 47 tips a crash course in homeowner self-confidence. And study them well. ‘Cause owning a house means you’re going to have questions. Lucky for you, we’ve got some answers.

1. Fix a Leaky Faucet

This particular type of water torture is likely due to a failed washer inside a handle. The faucet is just the messenger.

To replace the washer, turn off the water supply valve under the sink. Stuff a rag in the drain so you don’t lose parts, then take the handle apart. Pop the screw cover on top, remove the screw, and pull off the handle. Use a wrench to disassemble the stem, and line the parts up on the counter in the order they came off, so you know how it goes back together. Examine rubber parts or plastic cartridges for cracks, and take the offending piece to the hardware store for an exact replacement. Reassemble the parts you’ve laid out, in reverse. Then revel in the ensuing peace and quiet.

For more detailed diagrams, check out Fixing a Leaky Faucet

2. Move a Refrigerator by Yourself

Clarence Yuzik, aka The Fridge Doctor, has two words for you: Magic Sliders. Put these little plastic disks under the fridge’s front feet (you can lever them off the floor with a long pry bar), then pull. Most refrigerators have wheels in the back, so the whole unit should glide forward effortlessly.

3. Dig a Hole

A stomp on a pointed shovel, that’s easy—and so’s electrocuting yourself when you slice into a buried power line. Which is why, says This Old House landscape contractor Roger Cook, any prospective hole-maker should first call 811 to notify the local utilites in your area. They’ll send someone out to your place, mark any lines you have, and save you from getting buried yourself.

4. Locate a Stud

Say you want to hang a shelf. Knuckling the wallboard can pinpoint a stud. But to better the odds when your electronic stud finder’s gone missing, use deductive reasoning. Most studs are placed at 16-inch intervals, so once you know where one is, you can usually find the rest.

Start at a corner, where there’s always a stud. Or take the cover plate off an electrical outlet and find out on which side it’s mounted to the stud. From there, measure 16, 32, 48 inches, and you should hit a stud at each go. Eliminate all guesswork by using a thin bit to drill a test hole at the top of the base molding, which you can easily repair with a dab of caulk.

Simple Stud Finder

5. Deal with a Seized Lock

Hit the 7-Eleven before you call that $100-a-visit locksmith. Some WD-40 sprayed into the keyhole will lube the mechanism quickly. If that doesn’t do it, you may have a broken spring or tumbler—and need that pro after all. If so, keep the new lock from locking up by giving it a yearly spritz of long-lasting Teflon spray. Deal with a Seized Lock

6. Check for Termites

Despite your worst nightmares, you won’t hear a distinct munching sound. And these guys don’t hide in plain sight, so you need to scout out places where wood framing is exposed, like crawl spaces. Inspect them for raised, branchlike tubes that, when broken open, reveal cream-colored or yellowish insects. Also, check where siding meets the foundation for salt-size droppings or tiny clumps of dirt next to pinholes. If you spot even one, you need a licensed and bonded exterminator to squash those tunneling bugs.

Common Bug Killers and Their Advantages and Disadvantages
Bugs at Our Billerica Project

7. Unclog a Sink

“Chemicals rarely clear a stoppage—they only make a small hole,” says TOH plumbing and heating expert Richard Trethewey. “A full stoppage requires mechanical clearing.” Remove the stopper and block off overflow holes. With water in the bowl—the water puts more pressure on the clog—plunge with a flat-faced plunger. If that’s not enough, get under the sink and take off the trap to see if that’s where the clog is lodged. If the blockage is deeper, rent yourself a hand snake. Slowly push the coil down the drain, carefully twisting, pulling, and pushing when you hit the blockage. If the snake fails, then the still waters truly run deep. Call a drain-clearing service to get things flowing.

Get more details by reading Clear Any Clogged Drain.

8. Hire a Handyman

Skip the classifieds—no one any good needs to advertise. Try the local hardware store instead. The guys behind the counter know who’s buying supplies for paid jobs. Or find out who does the maintenance at the school or town hall. Maybe he moonlights. Just be sure to check references, and find out whether your town or state requires a license. Also ask if he carries liability insurance—otherwise, be sure your homeowner’s insurance will cover him.

9. Ensure a Lightbulb’s Long  Life

You know that popping sound that signals another lightbulb has burned out before its time? The cause: The little brass tab inside the lamp socket that makes contact with the bulb base is dirty or bent, interrupting the connection and causing the filament to imperceptibly flash on and off, shortening its life. With the fixture unplugged or the circuit breaker switched off, clean the tab with a Q-tip and rubbing alcohol; then nudge it up with a screwdriver so that it stays in contact with the bulb base.

The Causes of Constant Bulb Burnoutnsure a Lightbulb’s Long Life

10. Get a Plumber to Show Up on a Holiday

Everyone has a price: a fat check, a bottle of Scotch, a plate of homemade oatmeal-raisin cookies. And when the powder-room toilet won’t flush just hours before the relatives are to descend, you’d better know what your plumber’s is. These guys appreciate loyalty, so if you frequent the same pro (and he knows it), he’ll be more inclined to return your frantic call. But you should also know a 24-hour plumber who’s equipped for off-hours emergencies. Larry Dawson, head plumber with Metropolitan Plumbing in Minneapolis and a 30-year veteran, is one such pro. “The truth is, there is no plumbing emergency,” he says. “If I can talk homeowners through shutting off the water main, they can wait till the next day.” Rapid response will cost you—at least 20 percent more than a standard weekday service call. “But for people whose lives are disrupted, I guess it’s worth it,” Dawson says.

Learn more about signing up the right pro at Hiring a Qualified Plumber.

11. Remove a Stripped Screw

Hey, even TOH master carpenter Norm Abram has been there. He recommends a hand screwdriver appropriate for the screw and a double dose of elbow grease to fix this unfortunate bit of handiwork. Gently hammer the screwdriver into the head. Then use as much downward force as you can while you slowly back out the screw.

12. Avoid Stripping a Screw

That’s what the clutch, that sliding ring of numbers on a drill/driver, is for. It stops the bit from turning when the motor feels a certain amount of torque, or twisting resistance—less at lower numbers, more at higher numbers. As a rule, set it low for small screws and high for large ones. But use a low setting when putting up drywall, so you don’t sink the screw’s head too far and break the paper. When dealing with hardwoods, a higher setting may help get the screws in, but first drilling a pilot hole is even better.

13. Remove the Base of a Broken Light Bulb

Cut a raw potato in half and, with the power off or the lamp unplugged, press the cut end onto the jagged glass. For a comfortable grip, select a potato with a tapered shaft. The University of Idaho’s Stephen Love, Ph.D., recommends a Russet.

14. Drill Through Tile Without Cracking It

Go get a drywall screw and a hammer. Place the tip of the screw exactly where you want to drill, then tap it ever so gently with the hammer to pierce the glaze and create a little divot. Now load a masonry bit into your drill driver and use the divot to hold it in place as you start drilling. No fissures, no scratches, no fuss.

15. Hardwire a Light Fixture

Anything powered by electricity requires that the current make a full circuit to and from the main box. So all the wiring in a house has two lines: one that brings in the electricity (the hot wire) and one that carries it back (the neutral wire). Connect hot wires to each other and neutrals to each other. And just make sure you don’t become the conduit in between.

The hot is usually black and the neutral white. But if yours look different, use a circuit tester. With the electricity on, touch one node of the tester to the wire and the other to something metal—that is NOT touching you. If the light goes on, that’s your hot wire.

Turn off the electricity and connect the black (“hot”) wire to the black wire or the brass screw on your fixture and the white (neutral) to white wire or silver screw. If your fixture has two like-colored wires, the grooved one always goes to the neutral connection. Be sure to connect the copper grounding wire from the cable to the green grounding screw in the junction box, then to the grounding wire coming from the fixture, if there is one.

Learn more about putting up a weighty light fixture at Hanging a Chandelier

16. Pick an Interior Lock

Your 2-year-old is in the bedroom bawling, you’re out in the hall, and there’s a locked door between you. On the door’s knob or on the plate around it, there should be a small hole that’s made just for this situation. Take a slim piece of metal, such as a small flathead screwdriver, and slip it in the hole. Compress the spring inside or slip the screwdriver head into the slot on the spring and turn. Door unlocked, toddler safe, shoulder not broken.

17. Unstick a Door

Doors stick for a lot of reasons: a loose hinge, too much paint, a settling house, or humidity in the air,” says TOH general contractor Tom Silva. If the door suddenly jams in dry weather, your problem is the hinge, likely a loose screw. A door that’s been painted too much or is sticking because the house is settling can be sanded or planed at the trouble spot, then repainted.

If the door is swelled by humidity—often a front door or bathroom door—it’s usually because part of it wasn’t painted and moisture is getting into the wood; check the top and bottom edges. Shave down the door as little as possible to make it just fit. “Normally you want a crack the width of a nickel around a door, but in this case make it a dime,” says Tom. Then paint over any exposed wood on all six sides to seal it. When the humidity lessens, the door will shrink to a perfect fit, opening without a hitch.

Get the full step-by-step instruction at How to Fix a Sticking Door.

18.  Bypass the Electric Garage-Door Opener When the Power is Out

That red cord dangling from the ceiling-mounted operator—haven’t you always wanted to pull it? Now’s the time. Doing so disengages the chain drive, so you can manually slide the door up its track.

19. Clean Stained Grout

“All grout can be cleaned,” says Debby Parker, a contractor who bills herself as The Tile Lady. Her secret weapon: a steam cleaner, which brings most any stain to the surface so it can simply be wiped away. Brushing on a penetrating sealer will keep the grout stain-free.

Learn more about the care and repair of the stuff between your tiles at All About Grout.

20. Know Which Breaker to Turn Off

When you finally get around to putting in that dimmer switch, you won’t want to be stumped by a poorly labeled breaker box. Ditch the pencil and paper chart—you’re not changing your wiring anytime soon. Instead, write directly on the metal next to each switch with a fine indelible marker. Have a friend plug lamps into all the sockets in a room and tell you via cell phone which ones go dark when you flip a switch. Then, be specific (“sofa and window walls only” or “kitchen minus fridge”) when you jot it down.

21. Dry Out a Flooded Basement

After a disastrous storm, water below ground level must be removed slowly to equalize pressure on both sides of the basement walls, says David Miller, an administrator with the Iowa Homeland Security and Emergency Management Division. Pumping it out too quickly or too early can cause structural damage or a cave-in. “The water in your basement is pushing back, preventing your basement walls from collapsing,” says Miller.

Test groundwater levels by digging down a few inches just outside your basement. If the water pools, wait a day or two to hook up a submersible pump. Don’t go in without turning off the electricity first (if you can’t, call your utility and don’t go in at all). Don gloves, eyewear, and a mask to protect yourself from cleaning agents or wastewater that may have seeped into the basement soup. On the first day, remove just one foot of water (send it as far from the house as possible, preferably to a storm drain) and wait overnight. If the water level is back up, it’s too early to pump. Once the water stops rising, pump out two or three feet each day until the basement returns to dry land.

Get all the know-how at Drying Out a Wet Basement.

22. Make Friends with the New Neighbors

It’s just a matter of time before your kids trample their tulips, the dog makes a mess of their lawn, or you want to put up a fence or cut overhanging limbs from their tree. So when they’ve barely unloaded the moving van, arrive with a warm coffee cake or an invitation to join the school carpool. Tell them funny stories about the crazy widow who used to live in their house. As time goes on, offer to take in their mail when they’re away or clear their driveway during a storm. Be sure to invite them to your annual holiday cocktail party. Being neighborly will help keep the peace—and your property as you want it.

Learn more about managing the neighborhs at Big Neighbor is Watching You.

23. Deal with a Downed Power Line

Don’t. Always assume any downed line is energized. Just 100 volts can deliver a lethal jolt, and residential power lines carry 7,200; a ringing phone line, 70 to 120. So stay far away from any downed line, and call your electrical provider to turn it off.

24. Hang Heavy Objects on Drywall

Those thin cone-shaped plastic anchors aren’t for wallboard; they’re meant to sink into plaster. A toggle bolt provides the best holding power in drywall. The metal bar folds or pivots to go through a hole in the wall, then flips open flat against the back of the board to brace whatever’s screwed to the front of the wall.

Ask TOH—Hanging a TV on Drywall

25. Use a Fire Extinguisher

Work fast—the typical extinguisher has as little as 8 seconds of life, so know how yours works in advance. And make sure to stow it near an exit so you can back out as you fight the flames. Then remember the acronym “PASS”: 1) Pull the pin. 2) Aim the nozzle at the base of the flames. 3) Squeeze the trigger. 4) Sweep the spray from side to side. And don’t assume the fire is out just because the flames are gone. Call 911 and wait for the fire department to give you the high sign.

How to Choose One and Use It

26. Dispose of Leftover Paint

Unless it has dried to a solid, you need to take special precautions; tossed in the trash, paint solvents can eventually contaminate groundwater. You can speed up the drying process by putting cat litter in the can. Or go to earth911.org for links to programs in your area that recycle paint by giving it to schools or charities. The site also lists the 2,000 household hazardous waste centers in the country that accept all sorts of hard-to-dispose-of stuff, from batteries to cleansers.

27. Cut Down a Big Tree

In 2004, 45,300 people were hospitalized from chainsaw, ax, and hatchet injuries, and that number doesn’t include the thousands hurt by falling trees. If the tree’s big enough for you to climb, call a certified arborist to remove it.

28. Solder a Copper Pipe

Learn to sweat a pipe properly and you can save some bucks by doing simple plumbing repairs yourself. Just make sure your joint starts with clean pipes (no water or grit inside).

1) Deburr inside the pipe ends with a reamer, then polish the outside with an emery cloth.
2) Coat both parts with flux and fit them together—wherever the flux is, the solder will flow.
3) Hold a propane torch flame on one side of the joint. When the flux bubbles, touch the solder to the other side of the joint and move the flame away. The solder will be sucked all around the fitting. “The heat draws the solder toward the hottest point,” says Richard Trethewey.
4) Immediately wipe the joint with a damp rag. New joint, no sweat.

29. Deal With the Strong Smell of Gas

A closed-up kitchen with gas flowing from an open unlit burner can create a combustible atmosphere in as little as 10 seconds. So if you smell gas—we mean really smell gas—do not turn on the lights or use a telephone, cell phone, flashlight, or computer, all of which could create a spark, blowing the place sky high. Instead, haul everybody out of there and call the gas utility or the fire department immediately

30. Stem a Flood—and Save Your Wiring

As a safety measure, you should know where your main water and electrical shutoffs are. The water shutoff will be near where the water enters the house. Look for a metal wheel or a flat handle like a paddle. Or check outside for a mini manhole cover—the shutoff may be there. The main electrical switch will be in or near the main box. On an old fuse system, it may be a big lever or a handle that pulls out a whole block. On a modern breaker box it will be an isolated switch near the top of the box. Flip it to keep the circuits (and you, too) from getting fried.

Make sure you know which lever to pull by checking out Know the 4 Emergency Shut-Offs in Your Home.

31. Spot Asbestos

Can’t always tell by looking, but there are likely places you’ll find the carcinogenic mineral fiber, widely used in homes built before 1970. If your pipe and water-heater insulation resembles troweled-on plaster, don’t even touch it—the tiny particles get airborne quite quickly. According to the Environmental Protection Agency, asbestos may also be in the metal used for these pipes and furnaces, as well as in other kinds of insulation, artificial ashes in gas fireplaces, ceiling tiles, cement siding shingles, textured paint, patching compounds, and vinyl floor tiles made before 1986.

Undisturbed, the material shouldn’t pose a risk. But to be safe, you should have a licensed and bonded asbestos abatement contractor encapsulate or remove it.

32. Keep Grout, Cement, or Plaster from Roughing Up Your Hands

Clean your hands with lemon juice or vinegar. The acid neutralizes the caustic alkalinity in these materials and keeps skin from drying out.

33. Paint a Double-Hung Window

Toss the blue tape. Your number-one tool is a 1½- to 2-inch sash brush. Its angled bristles come to a point, giving you a fine line. Raise the bottom sash and lower the top sash so they’ve almost switched places.
1) Paint the exposed parts of the top sash (now on the bottom), including the muntins.
2) Carry a thin line of paint onto the glass to seal the glazing. Next, nearly close the window and
3) paint the rest of the top sash, as well as
4) the entire bottom sash, without getting paint between the sash and the stops (the pieces of wood in front that hold them in place).
5) Then paint the casing, sill, and apron. Before the paint dries, move the sash up and down. “If you can’t see a clear crack between the sash and the stop because of wet paint,” says Tom Silva, “then you just glued the window shut.”

See a more detailed step-by-step at How to Paint Doors, Windows, and Walls.

34. Secure a Loose Screw

You’ll need to fill in the hole before you can get the screw back in tight. The best filler is more wood, held in place with yellow carpenter’s glue. Matchsticks, toothpicks, golf tees, packed in tightly, will do the trick. But better yet is a piece of ⅜-inch dowel. First, use a ⅜-inch drill bit to enlarge the hole. Cut off a small length of dowel with a utility knife or small saw. Dab it with glue and tap it into the hole. When the glue is dry, use a chisel or the saw to slice off the excess. Then drill a new hole and reattach the hardware. And put those golf tees to their intended use.

See more at Sure Cure for Loose Hinges.

35. Repair a Doorbell

A doorbell has three parts—the switch, the bell, and a transformer between them. If you don’t hear anything when you press the button, check the switch’s wire connections (no worries the voltage is too low to hurt you). Try touching the two wires together; if the bell rings, then you need to replace the switch. If the chime doesn’t ring or makes a funny noise, check the bell. Clean it, inspect the wiring, and make sure the hammer isn’t bent away from the bell or jammed by dirt. If you still don’t hear that welcoming ring-a-ling, then it’s likely the transformer is the problem. To fix that, you’ll need an electrician.  Get the step-by-step at How to Fix a Doorbell.

36. Open a Door With No Knob

The key is engaging the spindle—the four-sided bar connected to the knob that retracts the bolt or latch. If the knob is off but the spindle is still sticking out, use pliers to grip and turn it. But if the spindle has fallen irretrievably on the far side of the door, find a suitable substitute—say, a large flathead screwdriver or even a fat pen. Fit it tightly into the spindle hole and turn.

37. Work Safely on an Extension Ladder

Unless your last name is Wallenda, don’t try any acrobatics high up—184,000 people were injured last year working on ladders.

Make sure the ladder’s rung locks (those hooks that grab onto the rungs) are anchored in place and the pulley rope is tied to a rung. Use levelers on the feet if you’re on uneven ground and a stabilizer at the top if you can’t lean on anything sturdy. To set it at the right angle, stand with your toes at the ladder’s feet and extend your arms straight out in front of you; your fingertips should brush the ladder’s rails.

Face the ladder as you ascend or descend, and never climb higher than the fourth rung from the top. Once there, keep your hips centered between the side rails as you work. This is one situation in which you don’t want to overreach.

Learn all the important points at Ladder Safety Tips.

38. Stop an Overflowing Toilet

A toilet works by gravity: The water in the tank—just enough to fill  the bowl—drops down and pushes waste through the drain. The float drops, opening a valve that lets in water to refill the bowl and the tank simultaneously. The valve closes when the float rises far enough to shut off the water.

If the water from the tank can’t leave the bowl fast enough, then the refill will spill over. To stop the refill action, take off the top of the tank, grab the float, and pull it up to close the valve. That should give you time to reach down and shut off the water, or at least wait for some of the water in the bowl to drain.

Get to know your toilet better with How to Fix a Leaky or Runny Toilet.

39. Pick Up a Big Paint Spill on Carpet

Cut two pieces of cardboard from a box. Use the edges of the cardboard to corral the pool of paint. Then use the pieces to form a scoop, and lift the liquid back into the bucket. When most of the liquid has been cleared, get two more buckets—one with fresh water and one empty. Saturate the remaining spill with the clean water, then scrape and scoop it up with a fat spoon and put it in the empty bucket. Work fast and continuously, replenishing the clean water as necessary. Rent a carpet cleaner to follow up; just be sure to keep the paint spot wet until it gets there.

40. Pull Out a Nail Without Marring Trim

Use a block of wood as a fulcrum under the claw of your hammer. The additional height will give you more leverage and the hammer head will push against the block without damaging the trim.

41. Catalog Your House for Insurance

What should make the master list? Whatever’s not nailed down, from furniture and rugs to furs, dishes, and jewelry. If you kept the receipt when you bought these items, great; jot down the value. If not, note where and when you got it.

Then photograph, or better yet, video every room, from every angle. Burn the information onto a couple of disks and send one copy for safekeeping to Aunt Becky on the other side of the country. A tip: Go to knowyourstuff.org for free software that lets you create a virtual replica of your home online and then tally the value of what’s in it.

Then make sure you get the right insurance by reading Homeowner’s Insurance 101.

42. Shovel Snow Without Having a Heart Attack

Heart attack fatalities spike after a heavy snowstorm. Avoid early morning snow clearing; your blood clots more easily after you’ve been sleeping. And don’t drink coffee or smoke before shoveling, because caffeine and nicotine speed your heart rate and constrict blood vessels. When you do go out to tackle the white stuff, try pushing it like a plow instead of lifting. Wet snow is a lot heavier—about 20 pounds per cubic foot
and won’t push well. If that’s the case, then make sure to keep your back straight and your knees bent as you drive the shovel into the snow (1). Lift with your legs (2), then walk to the place you want to dump it (3). Spraying silicone on your shovel before you use it makes the snow slide off more easily. If you get winded, take a breather, have some cocoa, and come out later to finish the job.

43. Keep in Contact During a Blackout

Remember that outdated push-button phone you tossed in the attic—the boxy one with only 12 keys, a tangled spring cord, and no electrical plug? That will work, unlike your cordless, which runs on electricity, or your cell phone, which relies on a tower that runs on electricity. If you sold yours at that garage sale years ago, head to RadioShack for a cheap princess phone. Then find a place to plug it in, so it’ll ring on when the power’s off.

44. Fix a Hammer Mark on Trim

If the ding’s on a finished surface, poke the area repeatedly with a needle, then flick several drops of water on it. Cover it with a damp rag and iron it on the cotton setting. The water absorbed into the wood will evaporate and expand the crushed wood cells. Concentrate the iron’s heat on just the shape of the ding by placing an upside down bottle cap over it. Repeat until the wood regains its shape.

45. Reuse Paint Thinner

Clean brushes used to apply oil-based finishes in a wide-mouthed jar filled with paint thinner, then cover the jar and let the paint residue settle to the bottom. After a few days, carefully pour off the clarified solvent into another jar. Cap the jar and save it for the next cleaning. Let the residue in the first jar dry and harden (keep it away from flames), then discard.

46. Get Free Advice from the Guy at the Hardware Store

Like a wise neighborhood pharmacist who dispenses free advice, your local hardware store clerk is a pro on demand—and in demand. So don’t wait until you’re renovating to get on his radar. Make his place of business a regular pit stop for essentials on the way home from work or in the afternoon; avoid Saturday mornings. Make friends in his down time, and you’re guaranteed special attention when you need it.  “A lot of people start a project and get in over their heads,” says John Olson, owner of Home Hardware, a 53-year-old business in Waldwick, New Jersey. “We’re happy to help out. And if they’re a regular, we’ll open up a tab and guide them from demolition to finishing.”

47. Safely Lash Lumber to Your Car

If you must haul your stack of 2x4s home rather than wait a day for delivery (which can also put you out $50 or so), lay the boards from front to back on the car roof to minimize wind resistance. Cushion the load with cardboard so you don’t scratch your car’s paint, and stack the wood neatly. Secure it at two or more points with racheting straps, wrapping the straps through your open front and rear car doors before closing the doors over them. Bypass bungee cords, which won’t allow you to close the doors. Have an employee at the lumberyard check your work, and fasten a flag to it before you drive off—carefully.

 

 

 

 

 

 

 

 

 

 

 

 

10 Uses for Old Socks

Friday, October 5th, 2012

Hold onto those old socks for all these handy household uses

By: Allie Cutler, This Old House magazine

Whether they’re past their prime or just stray singles, don’t just kick ’em to the curb. Give them new legs with these household solutions

1. Ease First Aid

Slip an ice pack into a sock to temper the chill while soothing sore muscles or bruises.

2. Secure Mobile Devices

 

To enjoy tunes while raking fall leaves, create an armband pocket for your MP3 player. Cut off the leg of a tube sock, slide it onto your arm, then double the material up around your biceps. Tuck the player between the elastic layers.

3. Rescue Lost Hardware

 

Slide a sock over the end of a vacuum’s hose, secure with a rubber band, and use the vac’s suction to pick up dropped screws, nuts, or nails.

4. Stop Drafts

 

Line doorjambs and windowsills with rice-filled socks to keep the cold from entering your home and the house’s heat from escaping.

5. Polish Surfaces

 

A sock becomes a reusable or disposable mitt for waxing furniture or shining silver, brass, or pewter.

6. Cushion Your Knees

 

For DIY jobs that require kneeling, cut off the legs of a pair of tube socks and slide them over your pant legs. Fold the fabric over your knees once or twice for extra padding.

7. Ice-Proof Windshield Wipers

 

When frost is in the forecast, slide kneesocks over wipers to prevent crystals from clinging. Just pull off the socks and you’re on your way, no scraping necessary.

8. Protect Footwear

 

Before tackling a dirty or messy job, pull oversize or stretched-out socks over your shoes to keep them clean

9. Entertain Fido

 

Tie a knot at each end of a tube sock and get ready for a round of tug-of-war.

10. Clean Up

 

Wear a sock as a glove so that you can easily swab the dust away from every nook and cranny in mantels, venetian blinds, and ceiling-fan blades.

 

 

 

Region will spend $19.5 million renovating old courthouse

Thursday, October 4th, 2012

WATERLOO REGION — The Region of Waterloo will spend $19.5 million on renovations and maintenance to the Waterloo County Courthouse.

The region will take over the old courthouse when the new one currently under construction is complete next year.

Regional councillors awarded a $786,434 consulting agreement this week to Robertson Simmons Architects Inc. for design and engineering services.

Coun. Jean Haalboom is planning a tour for local heritage advocates to review the building. She said she’d like to see heritage value incorporated into the renovation.

“I think it’s important for us to have, shall I say, a value walk,” she said. “Just to identify what would be of value. Before any work is done (we need) to have a walk there to see what we (might) consider important and how to adapt it from there.”

Gary Sosnoski, commissioner of corporate resources, said the firm working on the project is open to those considerations. “The firm itself has experience (with adaptive reuse) throughout southern Ontario,” he said.

The company worked previously on the Breithaupt Block in Kitchener, he said. “I’m sure we will do everything required to get the building up to our standard.”

Located at 20 Weber St. in Kitchener, the building was constructed in 1963 as the courthouse and county administration building. Its five floors boast about 60,000 square feet and is listed on the City of Kitchener’s municipal heritage register as a non-designated property of cultural heritage value or interest.

Heritage features are expected to be incorporated into the design.

pdesmond@therecord.com

Canadian House Prices Edge Up in Third Quarter While the Number of Home Sales Fall

Wednesday, October 3rd, 2012

First-time buyer activity drops as market adjusts to new mortgage regulations

TORONTO, October 3, 2012 – The Royal LePage House Price Survey released today showed the average price of a home in Canada increased year-over-year between 1.8 and 4.8 per cent in the third quarter of 2012.

Survey findings indicated that the average standard two-storey home in Canada increased 4 per cent year-over-year rising to $403,747, while detached bungalows rose 4.8 per cent to $366,773. Standard condominiums witnessed an increase of 1.8 per cent to $243,607. Most cities in Canada experienced modest price appreciation in the quarter, but fewer homes were sold compared to the same period in 2011.

“A drop in the number of homes trading hands typically precedes a period of softening house prices. Where there is reduced demand, those who want to sell their homes adjust their asking price to stimulate interest. During the third quarter, unit home sales were positive in July, fell 9 per cent year-over-year in August and we are expecting September to show a decline as well,” said Phil Soper, president and chief executive, Royal LePage. “We had predicted this cyclical change early in the year, a natural market reaction after a period of strong expansion. Changes to mortgage regulations, which took effect on July 9th, accelerated the correction.”

In July, the Minister of Finance announced that the maximum amortization period for insured mortgages would be reduced to 25 years from 30 years. This was the fourth intervention in the mortgage market in just four years and the most impactful. Potential first-time buyers, which in a typical market represent one third to one half of all purchase transactions, felt the changes immediately.

“While hard-hit in the short-term, first-time buyers will adjust to tougher mortgage qualifications. The dream of homeownership is very much alive among young Canadians. They may remain renters for sometime as they save; some will opt for less desirable neighbourhoods and some will purchase smaller homes,” added Soper. “In the meanwhile, we will feel their absence in national sales statistics.”

Canadian consumers were bombarded with troublesome economic news from around the globe during the period, particularly in the early weeks of the third quarter. While this has been a drag on the nation’s housing market and contributed to a slowing in home sale transactions, consumer confidence appeared to rebound in September, which should support activity in the important fall market.

“Policy makers in Canada and the United States have confirmed that the current period of very low interest rates will continue, likely through 2013. This is very supportive of housing market activity and any downward pressure on home prices should be minimal,” said Soper. “And for the first time in six years, sustained positive news from the American housing market should leave Canadian’s more confident about our continued economic prosperity.”

National average house price changes do not always reflect the markets of individual cities, which are closely tied to their local economies. Case in point, some $29 billion in energy related investments are now underway in Alberta and Calgary is expected to lead the nation in economic growth through 2013. The city posted healthy price appreciation for both detached bungalows and two-storey homes, as predicted in previous Royal LePage House Price Surveys and Market Survey Forecasts.

“When the underlying economy of a city is sound and growing, house price appreciation is sustained. Calgary has enjoyed solid growth in home values this year. I have also been very pleased with the growth in commercial brokerage transactions seen in our Royal LePage Commercial business in the region,” said Soper.

 

Regional Market Summaries

Halifax’s strong employment levels led to average price increases across all three housing types surveyed. Detached bungalows continued to witness the largest year-over-year gains, increasing 8.9 per cent to $293,000. Detached bungalows in St. John’s witnessed the largest average price gains across Canada, rising 9.9 per cent, as mega-projects continue to boost migration.

Despite a decline in market activity, Montreal’s house prices posted healthy increases in the second quarter of 2012. Standard two-storey homes witnessed the largest average price increase, rising 5.5 per cent to $387,786.

Healthy employment in Ottawa’s technology sector balanced job loss in the government sector as the region posted healthy average price increases across all three housing types surveyed, with house price gains ranging from 4.9 to 6.1 per cent.

Average house price gains in Toronto ranged from 2.7 to 5.9 per cent for housing types surveyed. Although demand decreased modestly due to mortgage rule changes, the pipeline of potential buyers continued to put upward pressure on detached bungalows and standard two-storey homes. Multiple offers are still very common in the region.

Winnipeg’s real estate market produced average price gains ranging from 6.5 to 8.3 per cent as first-time buyers remained fairly active, despite recent changes to mortgage rules.

Low inventory coupled with demand created by low interest rates continued to put upward pressure on average year-over-year price gains in Regina. Standard-two storey homes posted the largest increase of 9.8 per cent rising to an average price of $359,500.

Calgary’s healthy market activity and increased consumer confidence has led to house price gains in the third quarter for detached bungalows and standard two-storey homes, increasing 6.5 per cent and 4.1 per cent respectively. Detached bungalows in Edmonton posted strong price gains rising an average of 7.5 per cent in the third quarter, while two-storey homes increased a modest 1.5 per cent and standard condominiums declined 0.6 per cent.

In Vancouver, average house prices posted modest decreases as market activity slowed down during the third quarter. Standard condominiums posted the largest decrease, slipping 3.0 per cent year-over-year to $498,000.

Petition opposes changes to Waterloo sign bylaw

Tuesday, October 2nd, 2012

City of Waterloo is considering controls on mobile signs like these, pictured in 2009 along Hespeler Road in Cambridge.  At that time, Cambridge wrestled with new rules for mobile signs like Waterloo is now.

   Rick Koza

WATERLOO — Those portable, neon-letter signs may be criticized by some as roadside eyesores and have prompted proposed changes to Waterloo’s sign bylaw, but sign company operators told council Monday night that those signs can attract up to 30 per cent of the sales for the businesses that use them.

“Many business owners will tell you that portable sign advertising keeps them in business,” Mike Gaudreau told council.

Gaudreau, of React Mobile Signs, was one of several people who appeared before Waterloo city councillors Monday to weigh in a proposed new sign bylaw that would limit or eliminate their ability to use mobile signs. He brought to council a petition signed by 87 businesses that oppose some of the changes.

Several worried business owners also sent letters and emails to councillors. Those businesses range from tanning spas and restaurants to credit unions and flower shops. Many have been in the community for decades.

Under a Freedom of Information request, Gaudreau learned there were 18 complaints about mobile signs this year. Five came from the public, the rest were generated internally, likely from staff, according to the city’s director of bylaw.

He said his information request showed that mobile sign permits brought in about $84,000 in revenue for the city at the same time.

Dave Lamka of A to Z Signs, said Kitchener businesses can use mobile signs six months out of the year, giving them a competitive advantage.

“Business owners in Kitchener will use their six months of mobile sign time to take badly needed sales from Waterloo’s local business owners,” he said. “Many badly needed jobs will be lost in Waterloo.”

Portable or mobile signs — the ones with neon letters — wouldn’t be allowed anymore in commercial plazas under a proposed citywide sign bylaw. They could be used in other areas, including those zoned “corridor commercial.”

They would be allowed to use accessory signs such as A-frame, T-frame or sandwich board signs, instead.

No decision was made at the meeting.

“I’m a little concerned that depending on where you are, your sign options are a little limited,” Coun. Scott Witmer said.

A number of changes are proposed to Waterloo’s sign bylaw that will impact everyone from business owners and landlords to real estate agents and neighbourhood associations. The proposed changes include:

  Grandfathering existing roof and billboard signs, but not allowing new ones;

  Allowing the city’s sign variance committee to approve applications, instead of requiring council approval;

  Limiting neighbourhood association signs to 12 per year, with other rules;

  Allowing landlords to post temporary signs advertising vacancies but disallowing signs to advertise property management companies on the facade of any residential building; and

  Real estate signs can’t sit on lawns longer than the property is available for sale, rent or lease. Sold signs can be posted for a maximum of two weeks.

Mayor Brenda Halloran does not support handing sign approval authority to staff.

“I think all applications should still come to council because we’re the voice of the community,” she said. “That concerns me a lot.”

City staff have been working on the new policy for more than a year. According to a report, they consulted with stakeholders and held a public open house July 31.

Staff are making changes based on council and public input and will bring a revised bylaw to council for approval later this year.


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