Courtesy of Debra Ann Kaminsky


Courtesy of

TIPSFORBUYINGYOURFIRSTRENTALPROPERTY If you’re thinking of investing in a rental property, there are a few things to consider before becoming a landlord. First, do you have the time and abilities to perform maintenance and repairs? If not, you may want to hire someone to do it for you. Just remember their wages will have to come out of your profits. Next, make sure you aren’t carrying extra debt. A rental property is a huge investment, and ensuring you have a margin of safety will make the financial end of things go more smoothly. Mortgages for investment properties often have more stringent approval requirements – so make sure you have a decent-sized down payment. Meanwhile, beware of high interest rates. Once again, any additional money spent means less return on your investment. Lastly, choose a property in good condition in a desirable neighbourhood. Buying a fixer upper might be tempting, but if it’s your first rental property it’s best to take the safer route now and save the homes that require a ton of work for your next investment. If you’re excited for back to school, then these apple waffles are for you! If you’re not excited about back to school and wish it would stay summer forever, then just think of these waffles as fresh apples hanging from a tree. Either way – they’re cute and delicious! INGREDIENTS: Waffle mix 2 apples Red food colouring Gummy worms (for leaf and a worm) Pretzels (for stems) DIRECTIONS: 1. Peel and grate the apples. 2. Mix waffle batter according to the directions on the box, then toss in the grated apple pieces. 3. Add in several drops of red food colouring and stir. 4. Pour into waffle maker. 5. After the waffles are cooked and cooled, add the fun embellishments to make it look like an apple – with a worm crawling out of it!


Did you know sharks are one of the oldest living organisms on earth and that they have night vision and a heightened sense of smell? These awesome creatures get a bad wrap thanks to scary movies and exaggerated media coverage, but the truth is you’re more likely to get injured by a toilet than a shark.

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