Things to consider when replacing your refrigerator

Does the inside of your refrigerator have a permanent funky smell? Does the freezer section look like a landscape from the North Pole?

If so, it might be time to buy a new refrigerator.

Sheldon Mahe, an appliance expert at Trail Appliances in Calgary, says anyone upgrading from a 20-year-old refrigerator might be surprised at the new styles and features available with today's models.

Making the right decisions during this crucial part of buying a house can set you up for long-term financial success

For anyone buying real estate, arranging a mortgage is a sure sign that you're about to make your dream home a reality.

But with the all the options that are available, how do you find the mortgage that's right for you?

Greg Miller, a mortgage professional with SmartCap Inc. in Calgary, says step one for him is "finding out what are the client's short-term needs and long-term needs, their goals, and what does their budget allow for in terms of a payment?

"After that you can tweak a mortgage to cater it to them."

Putting together your first down payment is all about planning and prioritizing

With changes to mortgage regulations and the Bank of Canada's qualifying rates, buying a first home might be tougher than expected, especially for those already carrying a large amount of debt. Currently, the total cost of a mortgage payment, property tax and utilities must be less than 40 per cent of a borrower's gross income.

"The debt ratio makes a big difference to your purchasing power when buying a home," said Calgary mortgage broker Monika Hägele. "Some people might work really hard, save up five per cent towards their desired home, and then that amount might not even be enough if they are carrying too much debt."

What any homeowner should ask before hiring a contractor

It doesn't take much asking around to find people with horror stories about renovations gone wrong, and many of those stories stem from negative experiences with contractors. Finding the right contractor(s) for your specific needs and budget is a crucial part of making your renovation dream into a reality, so it pays to do your homework.

The following is a list of questions from the Canadian Home Builders' Association (CHBA) to ask any contractor before you hire them:

Golf-course homeowners have several tools at their disposal to protect their property from errant golf balls

For people living along golf courses, glass damage from errant golf balls is no laughing matter. While the problem isn't large in terms of total homes affected, it's a big deal for the few that do live in the line of fire.

"Only a small percentage of courses have homes bordering them," said Slade King, COO of Play Golf Calgary, which runs five courses in and around the city.

"Within all of the Calgary courses, only a few holes have issues, so out of 30,000 golfers who play that course in a year, you may have 10 incidents of golf-ball damage to houses."

Professional legal help can benefit any real estate transaction

Buying or selling a home is a process that benefits greatly from professional help, and that especially true on the legal side of things.

Calgary Legal Guidance (clg.ab.ca) has information on selling and buying real estate in its Dial-A-Law series, including the role a lawyer plays.

Jeffrey Kahane of Kahane Law Office in Calgary says most people don't get a lawyer involved until the conditions of a sales agreement are waived, "because then you've got a firm deal."

Gas stoves offer more control to home cooks

If your trusty old stove is on its last legs, it might be time to consider a switch to a range powered by natural gas.

"All your chefs use gas ranges. It's so easy to control your heat for cooking. It's instant on and instant off," said Peter Voelk, owner of Lone Star Plumbing and Heating. He explains that over time there are also cost savings from using natural gas for cooking instead of electricity.

"We've had a gas stove for years in our home and we just love it. I wouldn't know what to do with an electric stove anymore," he said.

Voelk adds many styles of ranges are available that exclusively use gas for all cooking functions. There are also dual-fuel ranges with gas stovetop burners but a traditional electric element oven.

A bit of preparation, and business savvy, can make a world of difference

Summer is rapidly approaching, and odds are you've still got some stuff lying around from spring cleaning that you're not sure what to do with.

Gently used power tools, heirloom furniture, old DVDs and electronics, and all manner of items collecting dust in your basement are ripe for selling to neighbours, friends and passersby – why not have a garage sale?

These time-tested, often impromptu, community get-togethers are the perfect opportunity to score old treasures, get to know your neighbours or even make a bit of cash. Not only that, but with the ever-increasing focus on eco-friendliness and conscientious consumerism, garage sales are an excellent way to keep forgotten possessions out of the landfill.

When you shrink your square footage, your furniture needs to follow suit

You've decided to sell your current home and move into a smaller house or perhaps a modest-sized condominium.

That means making some decisions, including how to downsize your furniture.

Liz Nandee, owner and head designer at Basic Black Designs, says as North Americans we tend to have a lot of possessions and "we like to keep everything."

But Nandee says some of your current furniture may just be too big for your new place, and you don't want to start downsizing after the mover has unloaded your possessions into a jammed-packed new home.

Determining the best RV storage solution for you and your family

Having a recreational vehicle (RV) is a great way to enjoy a weekend retreat with family and friends, but storing an RV during the offseason can be a challenge for owners.

"The number one thing is you need to look at the bylaws of the community you live in," said Chris Swift, sales manager at Woody's RV World in Calgary, adding the rules pertaining to parking and storing RVs vary by city.

Most strictly limit or prohibit storing a vehicle on a city street, but there are exceptions. For example, Swift says, in Airdrie you can park an RV on your driveway provided it does not extend past the property line.