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10 Vital Documents Every Grown-Up Should Have

Filed under: Budgeting & Planning, Family Finances, Health, House & Home, Retirement and RRSPs

Odds are, there are documents that you know you should have, but that you haven't managed to get yet. Some of these are essential, and all of them will be necessary at some point in your life. Having them handy is bound to help you sleep better at night.

Check out our gallery to see how many of these 10 must-have documents are in your possession -- and which ones it's time for you to take action on.

SLIDESHOW: 10 Vital Documents Every Adult Needs

10 vital documents every adult needs

1. Living Will and Healthcare Proxy2. A Will3. Power of Attorney4. An Estate Plan5. Homeowner's or Renter's Insurance6. Brokerage Statements7. Credit Reports8. A Financial Manifesto for Couples

Get Help, Get Organized for Good!

Filed under: House & Home, Small Business, Your Home

The frost has finally had it for the season, which means it's time to open some windows and doors, and Clear Out The Clutter. The sentiment is pretty widely shared: spring cleaning (whether we do it, or just think that we should do it) is a culturally engrained thing.

As with most culturally engrained events though, there's a whole industry that exists in response, trying like mad to get you to part with some of your hard-earned dollars as part of the festivities. (Think storage tote sales.)

In and among the multitude of links to sell me something when I searched the phrase, "get organized," I found one article, thankfully, that had this very salient piece of advice:

"Hold off on container shopping... getting organized does not start out with a shopping trip."

WebMD, 10 Ways to Cut Clutter in Your Home. Retrieved May 7, 2013.


Even just getting started, though, can sometimes require professional help. Do you sometimes wonder where to start? You're not alone. Enter, the professional organizer.

Room Renovation On A Budget: What To Splurge And Skimp On

Filed under: Budgeting & Planning, Economizer, Family Finances, House & Home, Saving, Shopping, Weird & Wonderful, Real Estate, Going Green, Your Home

Room Renovation On a BudgetIf you're craving a freshness in your home that won't be satisfied by simply moving a few things around, maybe it's time for a change. In my case it was a loveseat my two young sons have outgrown (since they started wrestling on it) that sparked our home renovation. It was time to get a new, bigger, plusher couch. Now that we've purchased said couch and it's arriving in six to eight weeks, it's sparked even bigger changes. But I've learned through our renovation there are certain areas where it makes sense to splurge and certain areas where it makes more sense to save.

Here are some tips on affording a room renovation you'll actually finish:

SLIDESHOW: Room Reno on a Budget

1. Spend More On Big-Ticket Items That Will Last.2. Spend Your Money On Something That'll Improve Your Lifestyle.3. Punch Up Your Room With Paint.4. Go Neutral With Drapes, Couches And Rugs.5. Get Creative With Lighting.6. Knick-Knacks Can Be Inexpensive And Add Character.7. Save On Art By DIYing.Recycle By Reupholstering.

First Time Home Buyers Advice: How To Minimize Costs

Filed under: Budgeting & Planning, Family Finances, House & Home, Saving, Real Estate, Your Home

First Time Home Buyer Freebies Entering the housing market for the first time can be an intimidating task. It requires careful budgeting and most likely some large sacrifices along the way. For young buyers (the average age of the first-time home buyer is 34), the money saved and put for a down payment will likely be the largest sum of money they've ever had to hand over. That's why it's important for first-time home buyers to realize that there are three different programs designed to reduce the cost or return money back to the buyer.

The RRSP Home Buyer's Plan (HBP):

This program allows first-time home buyers to withdraw funds from their registered retirement savings plan (RRSPs) to pay for a home without incurring the usual tax penalty. An individual is allowed to withdraw up to $25,000 from their RRSP, but must pay it back over 15 years. If that person is purchasing with a spouse, both the individual and the spouse may withdraw up to $25,000 each.

​Make $300 Next Weekend (Tip: Start Now)

Filed under: Economizer, Family Finances, House & Home

There's gold in them hills of clutter you're keeping in the basement. (Or garage. Or in the kid's rooms.) Ok, it might not be gold, but there is money to be made from a lot of the unused stuff you have taking up space at home.

There are two different kinds of garage sales though: Those where everyone leaves happy, where your house gets a good cleanout, and where you finish the day with an extra $500 in your pocket. Then there are the other garage sales that are just a lame waste of time for all involved.

Making yours one of the good ones takes work, but the task isn't complex. It boils down to three or four steps: Purge, process, piggyback if you can, and price things correctly.

The Pros and Cons of a Corner House

Filed under: House & Home, Investing, Real Estate, Your Home

pros and cons of corner housesWhen it comes to corner houses, people are divided. Those who live in them love them for their surplus of natural light and plus-sized gardens. Others complain about traffic noises, trespassers, and lots more yard work. Who's right? The answer depends on who you talk to.

Statistically speaking, corner houses are burglarized more often than houses that have neighbours on each side. But common sense would suggest that because they're more visible, would-be thieves should be more visible as well.

We thought we'd pull together the pros and cons of corner houses, so you can decide for yourself. Click on the image below to launch a gallery of reasons for and against buying a corner house.

SLIDESHOW: PROS AND CONS OF BUYING A CORNER HOUSE


the pros and cons of buying a corner house
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Rental Perks You Might Get -- If You Ask

Filed under: Budgeting & Planning, Economizer, Family Finances, House & Home

perks can come with a rental lease agreementAOL Real Estate

Most apartments will never come with the same perks as hotels. No room service. No wake-up calls. No daily housekeeping. No fancy soap in the bathroom or mint on your pillow. But while your typical apartment lacks these instant-gratification niceties, many come with at least one or two alluring perks of their own. A yard, rooftop deck or other outdoor space for hanging out. A pool or fitness room. On-site laundry (or even that elusive, magnificent find: free on-site laundry). Most of these amenities are well-advertised as part of the landlord's sales pitch. Other perks, for various reasons, aren't offered, and you have to ask for them. There's no guarantee your landlord will say yes to any of these extras, but it's worth making the inquiry.

10 Most Popular Home Improvements (That Buyers Will Pay More For)

Filed under: House & Home, Real Estate

the 10 home improvements buyers will pay more forAOL Real Estate

If you've tried to sell a home in the last few years, you know how hard it can be to get the price you're asking for. Even now as the housing market heats up and bidding wars are breaking out in parts of the country, it's still an uphill battle selling for the right price. But if your home has the right features, that can help score a higher bid from buyers -- maybe even more than you were asking for.

According to a recent National Association of Realtors survey looking at which home features are most desirable to buyers, there are 10 home improvements that homebuyers are willing to pay more for. Many of these features center around the kitchen, and some of these improvements could snag a seller thousands more from an interested buyer. Of course, these features aren't necessarily the most important deciding factor for homebuyers, Brendon DeSimone, a Zillow real estate expert, told 24/7 Wall St. The location -- proximity to good schools, neighborhood safety and commute -- will be the biggest factors weighing on buyers' minds, he said. But having some of these features inside the home can only help. Click through the gallery below to see the 10 most popular home improvements that buyers want.

SLIDESHOW: 10 Home Improvements Buyers Will Pay More For

Spring Cleaning 101

Filed under: House & Home

spring cleaningIt's warm, it's cold - must be spring and with spring weather comes spring cleaning. It's that time of year when most of us take apart our homes and clean it from top to bottom.

A full clean can be a tedious task but there are ways to get a clean home without spending an entire day elbow deep in products.

INFOGRAPHIC: 50 Years in Colour By Pantone

Filed under: House & Home, Weird & Wonderful, Your Home



The Pantone folks have put their 50 years of expertise in colour into an infographic that gathers together the defining colour trends of the past five decades. From the Psychedelic 60's to the Expressive 00's, the palettes are a distillation of what was cool in design, fashion and home decor for half a century. Plus there's some info on top colours mentioned in social media and a collection of famous logos in a rainbow of colours. Jump to the next page to see the graphic in all its technicolour glory.
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