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First Time Home Buyer Incentives in Canada 2024

First Time Home Buyer Incentives in Canada 2024

There are four main incentive programs for first-time home buyers in Canada: Land transfer tax rebates, which rebate some or all of your land transfer tax. Some municipalities have down payment assistance programs (DPAPs) for first-time homebuyers. The Home Buyers’ Plan which allows you to withdraw up to $60,000 (since April 16, 2024) from your Registered Retirement Savings Plan (RRSP) without…
Read More First Time Home Buyer Incentives in Canada 2024
Buying a Foreclosure Home in Canada

Buying a Foreclosure Home in Canada

If you are interested to have access to all Vancouver Foreclosures MLS® Listings, please click on the “VIP Insider Access” button. In the “Notes” box include the code “Foreclosures” or visit Vancouver Foreclosures and register What You Should Know Foreclosed homes are typically homes put on sale by lenders after the previous buyer defaults on their mortgage. Foreclosures are rare…
Read More Buying a Foreclosure Home in Canada
Bank of Canada December cut

Economists confident in December rate cut amid inflation growth

Canada’s inflation remains manageable, analysts say Canada’s inflation rate saw a modest rise in October, but economists say it’s unlikely to derail the Bank of Canada’s anticipated rate cut next month. The Consumer Price Index (CPI) increased by 2% on an annual basis, up from 1.6% in September, according to Statistics Canada’s latest report. Despite…
Read More Economists confident in December rate cut amid inflation growth
how-to-clean-tablecloths-the-right-way

How to Clean Tablecloths the Right Way

Tablecloths protect table surfaces from wear and tear, as they are susceptible to heat damage, spills, and scratches. While the cloth helps extend the life of your table surface, tablecloths are worth preserving too, as they add a touch of luxury to your home dining experience. Spills are inevitable, but stains don’t have to be. Knowing how to properly clean tablecloths is crucial in maintaining them so you can use them again and again. Here’s everything you need to know about cleaning up spills, preventing stains, and washing tablecloths. Tablecloths come in various designs, textures, and materials. Cleaning instructions vary significantly by material: cotton, linen, polyester, satin, organza, lace, and silk all have their own guidelines. While most of these materials are machine-friendly, others are hand-wash only. Check the fabric care label for targeted instructions before cleaning so you can use the ideal water temperature and recommended detergents. For machine-washable cloth, blot excess liquids and scrape off (don’t rub) food residue. Pre-treat stains with a gentle removal solution, then machine wash according to care instructions. If care instructions aren’t available, generally, you can use warm water with gentle detergent on a low agitation cycle to clean polyester or cotton. If stains persist after the wash cycle, repeat the pre-treatment and run the cycle again. Do not mix whites with colors. Hand wash delicate fabrics, like silk, velvet, lace, and embroidered or beaded fabrics. Use cold water and mild detergent. If the care label says machine washable, place the tablecloth in a mesh laundry bag on a gentle or delicate cycle. Tablecloths made of plastics, vinyl, or disposable materials are mostly wipe-clean only. Even hand washing can damage or tear them, so simply use a damp cloth to wipe them down. Try warm water and mild soap for tough stains.  How to Remove Tough Stains from Tablecloths Every stain is unique, but there are universal rules of thumb to treat stains as effectively as possible. Identify the original source to select the most effective method. With any stain removal treatment, test the solution on a small area of the cloth before applying it widely. Here is how to remove common tablecloth stains. Red Sauces Blot the excess sauce with a paper towel. If the fabric is washable, run cold water through the back of the stain immediately. Then, rub liquid detergent into the stain gently in a circular motion and let it set for 5 minutes before rinsing with cold water. If there are additional care instructions on the label, try those tactics. You should see the stain disappearing before it dries. If the stain is still there, repeat the cleaning process. Alternatively, apply a mixture of liquid detergent and baking soda directly onto the stain. Let it sit for 15 to 20 minutes before washing again. For linen, satin, silk, or lace, you may need to proceed with caution. For antiques or delicates, don’t take the risk—try dry cleaning. If you go the DIY route, soak the cloth in a gentle dish soap mixed with water. Let it sit for at least 30 minutes before handwashing. Do not scrub too hard to avoid ruining the fibers. If your linen is white, apply white vinegar or lemon juice to release the stain. Let it sit for a while before washing with warm water. If all else fails, use a commercial stain remover specifically for that material. Oil-Based Food Blot any liquid oil stain with a paper towel or scrape off oily solids with a dull plastic scraper. Sprinkle baking soda or cornstarch over the stain. Let it sit for a few minutes to absorb excess oil, then wash with warm water. If this doesn’t work, create a paste using liquid detergent and baking soda. Apply it on the stain and let it sit for 15 to 20 minutes before washing. Red Wine Soak up any wine with a paper towel. Avoid rubbing the stain to prevent it from penetrating deeper into the fabric fibers. Sprinkle salt generously over the stain and let it sit for 10 minutes. Rinse with cold water. If the wine stain persists, directly apply a small amount of mild detergent. Rub gently with your fingertips or a soft bristle brush. Follow any additional requirements suited to the fabric material. On white linens, pour club soda over the stain, allow it to fizz, and then blot out the released wine. As you plot with a paper towel, the stain should lift and lighten. A hydrogen peroxide and water solution (1:2) should work well for stubborn stains, too. Let the mixture sit for 15 minutes, blot, and wash. Candle Wax Let the candle wax cool and become solid, then scrape off the wax using a plastic scraper or a dull knife. Cover the remaining wax with paper towels or absorbent brown paper, and then use a warm iron on top of the paper to melt and remove the remaining wax. Pen or Marker Rubbing alcohol works well to dissolve ink pigment. To blot the ink stain, use a dampened cotton ball with rubbing alcohol, then rinse the spot with cold water. Wash normally—by hand or machine, based on the material—and the stain should disappear. How to Dry and Store Clean Tablecloths After cleaning tablecloths, proper drying is essential to prevent mold and mildew. Put polyester and cotton in a dryer on low heat to minimize wrinkling, then fold or
Read More How to Clean Tablecloths the Right Way
10-vancouver-concerts-we-can’t-wait-to-check-out-in-december

10 Vancouver concerts we can’t wait to check out in December

Dance and sing your way into December with these Vancouver concerts! Here are 10 concerts around town to add to your calendar this month, including Taylor Swift, The Funk Hunters, and more. And for more fun things happening around town, be sure to visit our Listed section. Taylor Swift @taylorswift13/X What: The biggest music superstar in the world is finally in Vancouver! Taylor Swift brings The Eras Tour to BC Place for three dates in December, and there are plenty of events and activities for Swifties to enjoy before, during and after the sold-out shows. When: December 6 to 8, 2024 Time: 7 pm Where: BC Place — 777 Pacific Boulevard, Vancouver Elf in Concert What:  Elf, one of the most beloved Christmas films of all time, is celebrating a milestone birthday this holiday season in Vancouver. The Will Ferrell comedy classic is getting the live concert treatment at the Orpheum Theatre. Vancouver Symphony Orchestra will bring John Debney’s heartwarming score to life while the film is projected onto a massive 40-foot movie screen. When: December 20 and 21, 2024 Time: 7 pm Where: Orpheum Theatre – 601 Smithe Street, Vancouver Cost: Various prices, purchase online Petunia and the Vipers: Calling Me Back Album Release What: Vancouver’s own Petunia and The Vipers are throwing a huge album release party at The Rio Theatre, and you’re invited. Get ready to party at the “hillbilly-flavoured-swing inflected-ragtime-goodtime-thunderously rolling-one-of-a-kind-you-don’t-want-to-miss-this-sort-of-a-show” while listening to their latest album, Calling Me Back. Featuring special guests. When: December 27, 2024 Time: Doors 6:30 pm, show 7 pm Where: Rio Theatre – 1660 East Broadway, Vancouver Tickets: $20 early bird plus fees, $26 general admission plus fees. Purchase online CP Holiday Train What: The CP Holiday Train rolls into BC this December, bringing lights, music, and holiday cheer to tons of communities across the province. It will be in Metro Vancouver on December 19 and 20. The 26th edition of the beloved holiday tradition will travel across Canada and the US this season to raise money, food, and awareness for local food banks. Attendees at each CP Holiday Train stop will also enjoy a free and festive concert by Juno winners Magic! and fast-rising star Sofia Camara. When: December 19 and 20, 2024 Time: Various times Where: Various locations Cost: Free; donations for the local food bank to help those in need are encouraged Billie Eilish — Hit Me Hard and Soft tour Billie Eilish Live at the O2 (Extended Cut)/Submitted What: Music superstar Billie Eilish is coming to Vancouver this fall on her new world tour, adding to the stacked lineup of artists coming to town. The nine-time Grammy winner will bring the new Hit Me Hard and Soft tour to Rogers Arena on Tuesday, December 3. Vancouver is just one of three Canadian stops on the highly anticipated tour. When: December 3, 2024 Time: 7 pm Where: Rogers Arena – 800 Griffiths Way, Vancouver Tickets: Various prices; purchase online Xmas in Skaville 21 – The Nightmare Before Skaville What: Xmas in Skaville is bringing high-energy holiday cheer to the Wise Hall in December. The lineup for the 21st edition includes Balkan Shmalkan, Brehdren, Mivule, The Wavebirds, and Bobbi-Jo Moore. The show promises to heat up the cold winter’s night, so make sure to bring your dancing shoes. When: December 13, 2024 Time: 7:30 pm Where: The Wise Hall – 1882 Adanac Street. Vancouver Tickets: $25 plus fees in advance, purchase online Vancouver Singing Christmas Tree What: Broadway Church’s 55th Singing Christmas tree is full of songs, drama, dance, and more. This year’s holiday production is themed “The Christmas Rocket” and will treat audiences to performances by singers, an orchestra, dancers, actors, and acrobats. When: December 6, 7, 8 and December 13, 14 and 15, 2024 Time: 7:30 pm (Fridays), 3 and 7 pm (Saturdays and Sundays) Where: Broadway Church – 2700 East Broadway, Vancouver Tickets: Free, register online Contact Winter Music Festival Contact Winter Music Festival What: Contact Winter Music Festival is returning to Vancouver, and some massive stars are coming for the party. Canada’s largest indoor winter music festival is taking over the Vancouver Convention Centre on December 27 and 28. This year’s headliners include multi-platinum and Grammy Award-nominated artist and producer deadmau5 and America’s Best DJ nominee Seven Lions. When: December 27 and 28, 2024 Where: Vancouver Convention Centre — 1055 Canada Place, Vancouver Tickets: Various prices, purchase online The 9th Annual Funk The Halls Featuring The Funk Hunters What: Canadian electronic duo The Funk Hunters are bringing their holiday extravaganza back to their home base of Vancouver. Multi-dimensional artists Nick Middleton and Duncan Smith will be taking to the stage at the Commodore Ballroom for two of the biggest parties of the season with Funk The Halls. When: December 20 and 21, 2024 Time: 8 pm Where: Commodore Ballroom — 868 Granville Street Tickets: Various prices, purchase online Christmas with Chor Leoni What: Chor Leoni is getting festive with its annual Christmas show. The holiday tradition is filled with folk music favourites, ancient chants and modern classics. The program is set to include songs like Silent Night, Joy to the World, Ron Sexsmith’s Maybe This Christmas, and more. When: December 19 to 21, 2024 Time: Various times Where: St. Andrew’s Wesley United Church – 1022 Nelson Street, Vancouver Tickets: Various prices, purchase online
Read More 10 Vancouver concerts we can’t wait to check out in December
how-much-income-tax-canadians-will-pay-next-year-based-on-their-bracket

How much income tax Canadians will pay next year based on their bracket

Canadians will be paying more federal income tax next year, according to the Canada Revenue Agency (CRA). The CRA revealed the federal tax brackets for 2025, adjusted for inflation. While federal tax rates are the same, the income thresholds for each bracket have shifted. In 2025, the indexation increase will be 2.7%, which is lower than the 4.7% in 2024, according to the agency. This is how much income tax you’ll have to pay next year based on your bracket: Less than or up to $57,375 — 15% Between $57,375 and $114,750 — 20.5% Between $114,750 and $177,882 — 26% Between $177,882 and $253,414 — 29% $253,414 and over — 33% This comes after the federal government implemented the capital gains tax in June, which increased the inclusion rate from one-half to two-thirds for any Canadian or corporation that makes over $250,000 per year in capital gains. The tax hike only impacts a small portion (0.13%) of the wealthy population. “An increased Lifetime Capital Gains Exemption would ensure most middle-class entrepreneurs won’t pay more tax because of these changes, and the new Canadian Entrepreneurs’ Incentive would encourage entrepreneurs to invest in capital-intensive and high-growth sectors,” Canada’s Department of Finance stated. When it was first announced, Canadians ripped on the wealthy upset by the capital gains tax hike, and certain industries like the medical field said the hike could push doctors to quit. You can find more information on your income tax bracket here.
Read More How much income tax Canadians will pay next year based on their bracket
everything-you-need-to-know-if-you-are-travelling-to-vancouver-for-taylor-swift’s-eras-tour-–-vancouver-is-awesome

Everything you need to know if you are travelling to Vancouver for Taylor Swift’s Eras Tour

Get tips on making your trip smoother…however you come to the city. Travellers headed to Vancouver for the Taylor Swift Eras Tour may want to plan for delays – regardless of how they are arriving.  The American star will perform at three sold-out shows at BC Place on Dec. 6, 7, and 8, and thousands of people will be travelling to the city from other parts of the province, country, and around the world. BC Place can hold a whopping 54,500 people nightly so there will be a tremendous influx of people staying in hotels, driving on the roads, flying into airports, sailing on ferries, and taking public transportation in the Lower Mainland. Have a look at everything travellers headed to Vancouver should know about planning their trip to see the “You Belong to Me” singer’s final three shows of her massive world tour. Arriving and departing from Vancouver International Airport (YVR) Concert-goers flying into the city for one (or more) of the shows should brace for possible delays. Many travellers will also travel to the YVR on the same dates, increasing congestion.  Travellers with friends in the city who can pick them up can enjoy 30-minute free parkade use. Once they’ve gotten through security, they can contact their friends to pick them up. While it might be tempting to do this the moment they land, parade stays extending over 30 minutes cost significantly more than they used to.  Pick up from the parkade YVR implemented new rates for its parkade on Nov. 13, increasing costs for each additional 30 minutes from $5.50 to $14.  Travellers have several other options to get from the airport to a hotel or another location in Metro Vancouver. Flate rate taxi fares to Vancouver and Richmond Taxi fares on flat rates to various areas across Vancouver and Richmond have also increased heading from the airport. The taxi stands are located on Level 2 of the Domestic and International Arrivals Area at YVR. Taxis can also take you to addresses in other Metro Vancouver areas, like Surrey, Delta, North Vancouver, or Burnaby.  Related: Map: Here’s how much it costs to taxi home from YVR following price hikes If you’re headed straight to one of the shows from the airport – or if you’re simply feeling fancy – you can also book a luxury sedan, stretch SUV, or limo. Ride App Services at YVR Lyft, Uber, and KABU are authorized providers of Ride App services at YVR. You must download the app of any of the providers to request a ride. You can get picked up at one of the following designated pickup spots:  International Arrivals, Level 2 Domestic Arrivals, Level 2 South Terminal   Unlike taxis, ride app services do not use a flat rate or even a metered rate. They are based on the availability of drivers in the area and may vary dramatically as a result. Public transportation The Canada Line SkyTrain serves Vancouver’s YVR Airport in Richmond, and will get travellers to the city centre. Fans can use the Canada Line and exit at Vancouver City Centre or Yaletown-Roundhouse to walk to BC Place stadium on show nights. Lindsay William-Ross/V.I.A. Vancouverites can travel from the heart of downtown to the airport on the Canada Line in under half an hour. There are 16 stops along the way and the train takes passengers right to the airport.  The elevator from the train brings travellers right between the International and Domestic Terminals. From there, you can turn left for flights within Canada and right for everything else.  All transit users travelling on the Canada Line leaving YVR are subject to a $5 Canada Line YVR AddFare, in addition to the regular zone fare. AddFare is automatically added when a user purchases a fare ticket. Travellers may also wish to rent a car.  How to navigate Vancouver International Airport  Save time with  Advance Declaration The CBSA advises travellers to save time passing through customs by making an advance declaration in the ArriveCan app. The advance declaration is admissible at the following airports: Toronto, Vancouver, Montreal, Winnipeg, Halifax, Quebec City, Ottawa, Billy Bishop, Calgary and Edmonton. Using the ArriveCan app cuts a traveller’s time at a kiosk or eGate by up to 50 per cent, according to CBSA data. Travellers should also check in with their airline before heading to the airport. This will speed up the process of checking in once they arrive.  Pack smart Follow the Canadian Air Transport Security Authority (CATSA) baggage requirements. Remember: liquids, gels and aerosols still need to be in containers that are less than 100 millilitres, and be packaged into one transparent, closed, and resealable plastic bag under one litre. Avoid wrapping holiday gifts since contents may need to be inspected during the screening process for carry-on and checked baggage. Use YVR’s ‘Journeys’ tool  YVR offers a tool that allows passengers to view a step-by-step guide through the airport based on their specific flight information.  Use your smartphone to speed up your time in line Locals who plan to fly to the U.S. from Canada can submit their passport and customs declaration information through a free, secure app on their smartphone before they leave for a trip. It’s called the U.S. Customer Customs Mobile Passport Control (MPC) app. YVR also offers several tips to help travellers save time at the airport. Arriving and departing from Abbotsford International Airport (YXX)  The  Valley Airporter Shuttle  provides service to and from the airport to anywhere within a 120km radius, including locations in Downtown Vancouver.  The Abbotsford Airport Shuttle through Ace Charters offers transportation between the airport and King George Station in Surrey as well
Read More Everything you need to know if you are travelling to Vancouver for Taylor Swift’s Eras Tour

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