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The Mortgage Stress Test, set by the Office of the Superintendent of Financial Institutions (OFSI), first came into effect in 2016. At the time, it only applied to high-ratio insured mortgages and borrowers were stress tested against a “threshold” interest rate of 4.64%. In 2018, OFSI updated the Stress Test to incl_ude all new borrowers getting a mortgage at a

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When it’s working, it’s likely not something you’ve paid much attention to. However, your garage door opener is an integral part of your home s security system, especially if you can access your home directly from the garage. If your home had one when you moved in, does it have the auto-reverse safety feature? Two sensors that detect when something

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A few tips to protecting your spring blooms from the pests that love your tulip bulbs as much as you do: 1. Plant tulip bulbs deep, at least three times the height of the bulbs. 2. Clean up any evidence of planting. The scent of the bulb casings will attract diggers. 3. Sprinkle some fresh coffee grounds on the soil.

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Instead of bagging fallen leaves, use a mulching mower to shred leaves into vitamin-rich organics that act as a perfect fertilizer tor the lawn & garden. Go over the lawn a few times to break down the leafy material into small pieces.

Sponge Moths are an Invasive Insect not native to North America. This type of moth’s caterpillars’ feed primarily on the leaves of deciduous trees. You may have noticed them as you walk through the neighbourhood. They’re a very damaging pest that invades hardwood forests and urban landscapes. A single Sponge Moth caterpillar can eat an average of one square metre

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