10 Simple Ways to Slash Sugar From Your Diet

You may not be eating Oreos by the roll or guzzling cans of Coke, but that doesn't mean sugar's absent from your diet.

You're likely eating sugar throughout the day without even realizing it, says Amari Thomsen, RD, owner of Chicago-based nutrition consulting practice Eat Chic Chicago.

Sugar is added to foods that don't even taste all that sweet, like breads, condiments, and sauces. And it adds up: although the American Heart Association recommends women consume no more than six teaspoons of added sugar per day (or about 100 calories), most of us take in double that. (One note: we're talking about added sugar, not the naturally occurring sugars found in dairy and fruit.)

A high-sugar diet boosts your odds of tooth decay, heart disease, and diabetes, not to mention weight gain. Slash your sugar intake now with these 10 expert tips.

Read food labels

You'll quickly realize just how often sugar is added to foods when you look for it on ingredients lists.

"Even things that you don't think are sweet, like tomato sauce, crackers, condiments, and salad dressings can be packed with sugar," says Diane Sanfilippo, certified nutrition consultant and author of The 21 Day Sugar Detox.

Ingredients are listed in order of how much exists in the product, so if sugar's near the top, that's a red flag.

Learn sugar's aliases

When you read food labels, you'll need to look for more than just the word "sugar."

Sugar hides under several sneaky names, including high fructose corn syrup, dried cane syrup, invert sugar, molasses, sucrose (or any word ending in "-ose"), brown rice syrup, honey, and maple syrup. These can be listed separately on ingredients lists, so many foods, even seemingly healthy ones like yogurt and cereal, may contain three or four different types of sweetener.

If several sugars appear on the label, it's an indication that the food is less healthy than you may think.

Buy unsweetened

Once you know where sugar hides, you can start making changes.

One strategy: buy foods labeled "no added sugar" or "unsweetened." You'll find unsweetened versions of these common foods in most grocery stories: non-dairy milk like almond and soy, nut butters (look for those made with only nuts and salt), applesauce, oatmeal, and canned fruit (they should be packed in juice—not syrup).

Don't go cold turkey

Going cold turkey on sugar isn't realistic for most people. Thomsen suggests cutting back slowly.

If you normally put two packets of sugar in your coffee, for instance, try one for a week, then half, and finally add only a splash of milk. For your yogurt, mix half a serving of sweetened yogurt with half a serving of plain, and eventually move on to adding natural sweetness with fresh fruit.

Never go fake

When you're reducing your sugar intake, you may be tempted to switch to artificial sugars for your sweet fix. But resist reaching for the diet soda, sugar-free candy, and packets of fake sugar in your latte.

"These can mess up your taste for sweet," says Sanfilippo. "When you eat something sweet, your body expects calories and nutrition, but artificial sugars don't give your body those things."

That may be why fake sugars are associated with weight gain—not loss, according to a 2010 review in the Yale Journal of Biology and Medicine.

Add more flavor

Sanfilippo loves using vanilla bean and vanilla extract, spices, and citrus zests to add sweetness to foods without having to use sugar—and for zero calories.

Order an unsweetened latte and add flavor with cocoa or vanilla powder. Skip the flavored oatmeal and add a sweet kick with cinnamon, nutmeg, and ginger.

One bonus for sprinkling on the cinnamon: according to a meta-analysis in the Journal of Medicinal Food, the spice has been shown to naturally regulate blood sugar, which helps control your appetite.

Don't drink it

Avoiding soda is a good idea, but that's not the only sugar-packed drink out there.

Even drinks that are considered healthy can contain more of the sweet stuff than you're supposed to have in an entire day. Case in point: "enhanced" waters (eight teaspoons per bottle), bottled iced teas (more than nine teaspoons per bottle), energy drinks (almost seven teaspoons per can), bottled coffee drinks (eight teaspoons per bottle), and store-bought smoothies (more than a dozen teaspoons—for a small).

Enjoy dessert

You can still indulge in an occasional sweet treat after you resolve to slash sugar. The idea is to avoid wasting your daily sugar quota on non-dessert foods like cereals, ketchup, and bread.

To avoid overdoing it, set specific rules about when you may enjoy dessert: only after dinner on the weekends or at restaurants as a special treat, Thomsen suggests.

Stick with it!

At first, cutting down on sugar can feel like an impossible task. Eventually, though, your taste buds will adjust.

Super-sweet foods like ice cream and candy will start to taste too sweet. When you could have a whole slice of cake before, now a couple bites will be enough. You'll notice the natural sweetness in fruits and vegetables—and yep, they'll taste better, too.

Safari Niagara Welcomes You to Summer 2014

School's out for the Summer! Well, not yet but it is just around the corner! Discover what the Niagara region has to offer and in particular - Safari Niagara, only 10 minutes from Niagara Falls. Safari Niagara is a 150-acre nature park located in Stevensville, Ontario, and home to over 750 animals, reptiles, and birds. Founded in 2002 by the Tykolis family, it is an awarding winning, Canadian Accredited Zoos and Aquariums (CAZA) and a Zoological Association of America (ZAA) facility. The park was awarded the 2013 Tourism Enterprise Award at the Niagara Entrepreneur of the Year Awards.

The park hopes to bring to you and your family a one-on-one connection with nature. Experience the animals up close and really get to know them. Children of all ages can explore how we are all part of nature and where we fit in. The goal is inspire future conservationists and nature-lovers by bringing them into a new environment.

The 2014 season brings new changes to the park including a new Food and Beverage Manager, Chef Scott Wild, who will be taking the lead for Safari Niagara's food and beverage expansion. Additional food stations will be brought in, including the new trend setting food trucks, new menus, and healthy alternative options offering something for everyone!

Enjoy Family Favourites:

Safari Niagara has many adventures for the entire family. Splash, laugh, jump, run, play, learn! There’s never a dull moment with an endless array of activities to enjoy. Challenge yourself on the ropes course, cool off at the splash pad, hang out at the play area, witness the wonders of flight, and learn how animals communicate. Visit Papa Steve's Family Farm, a unique area of the park that features a miniature barn, complete with a farmyard of pint-sized animals. Enjoy a picnic lunch in the many shaded picnic areas! Enjoy a leisurely ride in the paddle boats or go fishing in a catch-and-release fish pond.

Safari Niagara is a wonderful destination for people of all ages to get up close with the parks inhabitants. The park is completely interactive with free educational animal presentations, guided tours, and a petting farm. The park is comprised of caring, trusted experts committed to ensuring that many endangered and threatened species are part of the worldís future.

Safari Niagara's 90,000 square foot, 4,500 capacity outdoor Amphitheatre offers an annual Summer concert series. Visit their website for announcements of the 2014 concert series and other special events.

Bring on the Summer!

Five things to do in Toronto on the weekend of May 23–25

In this edition of The Weekender, a Kensington Market block party, an LGBT film fest and three other things to do in Toronto this weekend.

DOGS

Woofstock (FREE!)
Dog lovers will descend on Woodbine Park this weekend for Toronto’s annual festival of all things canine. There will be plenty of vendors hawking treats, leashes and everything else a dog owner could possibly want, but even for those without pets there will be plenty to do. There are scheduled events, like the Running of the Pugs and the Woofstock Fashion Show—and the people-watching is always amazing. Keep an eye out for skateboarding bulldogs. May 24-25. FREE. Woodbine Park, woofstock.ca

PARTY

Pedestrian Sunday at Kensington Market (FREE!)
The weather may still be a little iffy, but Kensington Market is kicking off block-party season this weekend with the first Pedestrian Sunday of 2014. Bands and other types of performers will entertain crowds throughout the day. Street foods on offer typically include Portuguese grilled sardines, tacos and fresh oysters. May 25. FREE. Throughout Kensington Market, pskensington.ca

TOURS

Doors Open Toronto (FREE!)
Everyone who lives here thinks they know the city, but most of us have only a superficial knowledge of what actually goes on in Toronto’s interior spaces. The annual Doors Open festival is a rare opportunity to explore the insides of buildings that are ordinarily closed to the public. There are more than 155 locations on the programme this year. See our preview for some recommendations. May 24-25. FREE. Various locations, toronto.ca

MUSIC

Timbre Timber, Live at Massey Hall
The Polaris-nominated indie folksters are headlining a show at one of Toronto’s most hallowed venues, with fellow Cancon treasures Cold Specks on the undercard. Tickets are affordable, and, as of the moment this was written, they were still available. May 23. $19. Massey Hall, 178 Victoria St., masseyhall.com

FILM

Inside Out Film Festival
The annual LGBT film festival returns. This weekend’s screenings include a special presentation of The Normal Heart, Ryan Murphy’s movie about the early days of the AIDS epidemic. Actor Matt Bomer and other guests will be in attendance. Until June 1. $13–$40. Various venues, insideout.ca 

14 Things That Make a House a Home


We're talking about the can't-live-without, warm-fuzzy stuff here.

A house provides shelter, but a home is where you weather all of life’s little storms — and revel in the sunshine. Here are a few of our favorite things that transform a mere shelter into a safe haven.

1. The people – and other creatures – you share it with 
Your kids are in the backyard playing fetch with the dog and your husband’s tinkering with something in the kitchen. Meanwhile, the cat’s napping on your keyboard, again. Everyone going about their business gives your home the unmistakable buzz of life. And that’s just as it should be.

2. All the noise 
A house full of creatures, furry and human, doesn’t come without its fair share of racket. Your kid is practicing the same three chords over and over (and over) and the TV’s blaring from the other room. Pots clanging, dogs barking, doors banging, kids shouting, and even the occasional arguing. The sounds of togetherness aren’t always soothing, but your house can feel empty without them.

3. ... And lack thereof 
Then sometimes, there’s peaceful, blissful silence. Everyone’s asleep or absorbed in his or her own activities. Even better, you’re home alone. Come in and shut the door against the din of your bustling town. Now take a deep sigh. Ahh. That’s better.

4. The rituals you create 
From standing Saturday movie nights complete with popcorn to your annual Independence Day bash, the traditions you keep with family and friends create fond memories — and get everyone looking forward to making more.

5. The smells of good food cooking 
For many folks, a house isn’t a home until it’s been cooked in. From the wafting aroma of slow-cooking stew to the mouthwatering smells of baking cookies, every meal you stir up in your home is nourishment for both body and soul.

6. The dings, scratches, and flaws 
No, you’ll never be able to get the wine stains out of your linen table cloth, nor will you ever get around to buffing those rings out of the coffee table. And that’s okay, because a perfect house is just staged, after all. It’s an empty showroom where no one actually lives. You work hard. You play hard. Be proud of all the evidence.

7. The endless to-do list 
Speaking of imperfections, your house always seems to be one or two projects away from being complete. Once you get that light fixture changed out and that bathroom renovated, you’ll finally be able to relax, right? Keep dreaming. As long as you’re interested in making your mark on something, those project ideas will keep coming. And that’s a good thing.

8. And the constant mess 
No, you probably won’t be able to walk across the living room floor without stepping on a pet toy. And, yes, your kids are guaranteed to muddy your newly mopped floors within moments. Getting the house in order is a Sisyphean task, but, hey, we all need dreams.

9. Comfy corners 
It may be that reading chair you’ve moved into every place you’ve lived since college, or your memory foam mattress with the plush covers you splurged on. No matter how clean and modern your style, every home needs at least one or two cozy spaces where you can just lounge and let loose.

10. The collections you've built 
This is the rug you picked up in Peru, and hanging there on the wall is the painting you bought on your honeymoon. Whether it’s your old record collection or the vintage plates you've found at flea markets, all the stuff that proudly adorns your home tells the story of who you are and where you’ve been.

11. And the family heirlooms 
That story can stretch far into the past, too. Whether it’s your grandmother’s quilt draped over the foot of your bed, your parents’ wedding china, or your great aunt’s Chippendale dresser now standing in your bedroom, these objects root your home in the past while you make new stories in the present.

13. Never having to wear real clothes 
The moment you walk through your door, you make like Mr. Rogers and change into comfier attire. There’s no place for shapewear, pointy shoes, and constricting waistlines in your home. Stretchy pants, forever!

14. Above all, it's about the memories you make
This is where you were standing when you found out you were pregnant with your first child. Here are the marks on the wall measuring your children’s growth. And it was at this dinner table that you celebrated your last big promotion. Every cocktail party, Christmas Eve, or simple Sunday afternoon leaves its impression, making your house a repository for every experience of a life well lived.

What’s Open Victoria Day Weekend in Toronto

May two-four is here (even though it’s not yet May 24th – semantics) and it’s time to enjoy the warm weather. If you’re not heading up to the cottage for the first of many weekends away this summer, then you’ll want to know what’s going on in the city. There’s fireworks downtown and in the GTA, open patios stocked with plenty of beer andeven an event or two. Scroll down to see what’s open, closed and going on this May long weekend.


Victoria Day Fireworks

Ashbridge’s Bay: Monday at 9:45 p.m. Free.
Canada’s Wonderland: Sunday at approximately 10 p.m. Free with admission.

 

What’s Open & Closed on Victoria Day Weekend

 

ATTRACTIONS

 

The ROM Map & Address
Friday: 10 a.m. to 6:30 p.m.
Saturday: 10 a.m. to 5:30 p.m.
Sunday: 10 a.m. to 5:30 p.m.
Monday: 10 a.m. to 5:30 p.m.
What’s on: The Forbidden City

 

AGO Map & Address
Friday: 10 a.m. to 8:30 p.m.
Saturday: 10 a.m. to 5:30 p.m.
Sunday: 10 a.m. to 5:30 p.m.
Monday: Closed
What’s on: Francis Bacon and Henry Moore

 

Ontario Science Centre - Map & Address
Friday: 10 a.m. to 4 p.m.
Saturday: 10 a.m. to 5 p.m.
Sunday: 10 a.m. to 5 p.m.
Monday: 10 a.m. to 5 p.m.
What’s on: Sultans of Science

 

TIFF Bell Lightbox Map & Address
Friday: 10 a.m. to 10 p.m.
Saturday: 10 a.m. to 10 p.m.
Sunday: 10 a.m. to 10 p.m.
Monday: Closed.

 

Toronto Zoo - Map & Address
Friday: 9 a.m. – 7 p.m.
Saturday:  9 a.m. – 7 p.m.
Sunday:  9 a.m. – 7 p.m.
Monday:  9 a.m. – 7 p.m.

 

Hockey Hall of Fame - Map & Address
Friday: 10 a.m. – 5 p.m.
Saturday: 9:30 a.m. – 6 p.m.
Sunday: 10:30 a.m. – 5 p.m.
Monday: 10 a.m. – 5 p.m.

 

Ripley’s Aquarium - Map & Address
Friday: 9 a.m. – 9 p.m.
Saturday: 9 a.m. – 9 p.m.
Sunday: 9 a.m. – 9 p.m.
Monday: 9 a.m. – 9 p.m.

Canada’s Wonderland – Map & Address
Friday: 10 a.m. – 10 p.m.
Saturday: 10 a.m. – 10 p.m.
Sunday: 10 a.m. – 10 p.m.
Monday: 10 a.m. – 10 p.m.

 

 

MALLS

 

The Eaton Centre - Map & Address
Friday: 10 a.m. – 9:30 p.m.
Saturday: 9:30 a.m. – 9:30 p.m.
Sunday: 12 a.m. – 5 p.m.
Monday: 10 a.m. – 6 p.m.

 

Yorkdale - Map & Address
Friday: 10 a.m. – 9 p.m.
Saturday: 9:30 a.m. – 9 p.m.
Sunday: 11 a.m. – 7 p.m.
Monday: Closed

 

Fairview - Map & Address
Friday: 10 a.m. – 9 p.m.
Saturday: 9:30 a.m. – 9 p.m.
Sunday: 11 a.m. – 7 p.m.
Monday: Closed

 

Sherway Gardens - Map & Address
Friday: 10 a.m. – 9 p.m.
Saturday: 9:30 a.m. – 9 p.m.
Sunday: 11 a.m. – 6 p.m.
Monday: Closed

 

Scarborough Town Centre - Map & Address
Friday: 10 a.m. – 9 p.m.
Saturday: 9:30 a.m. – 9 p.m.
Sunday: 11 a.m. – 7 p.m.
Monday: Closed

 

Vaughan Mills - Map & Address
Friday: 10 a.m. – 9 p.m.
Saturday: 10 a.m. – 9 p.m.
Sunday: 11 a.m. – 7 p.m.
Monday: 10 a.m. – 7 p.m.

 

SERVICES

 

Transit
GO Transit and the TCC are running on holiday service on Monday. Before heading out, check the times of your route.

 

Other Services
Libraries, schools, daycares, post offices, banks, beer and liquor stores and City of Toronto offices will all be closed. Some grocery stores will also be closed. Schools, post offices, banks and government buildings will also be closed Monday.

Victoria Day Weekend Fun 2014

As the unofficial kick-off to Summer, Victoria Day Weekend offers an opportunity to begin the season with a bang. This year, Victorial Day Long Weekend runs from May 17 to 19. Not only does this day recognize the birthday of the current reigning sovereign but for most, this widely anticipated long weekend marks the end of Winter and the beginning of Summer!

Here are fun Victoria Day activities to start your Summer off just right:

Celebrate Victorial Day with a brilliant fireworks display at Canada's Wonderland! Spend your day playing on over 200 awesome rides, coasters, and attractions, including Wonder Mountain's Guardian. Then round out your day with an action-packed fireworks display over Wonder Mountain. Fireworks are included with park admission. Sunday May 18 at approximately 10:00pm; weather permitting.

This Victoria Day Weekend, SuperFan ComicCon will launch in Toronto for the first time. The convention will feature: comic retailers to anime vendors; local and international artists; memorabilia; toys; collectibles; crafts; movies; apparel; video games; wrestling; cosplay costume contests; celebrity guest appearances; seminars and panels; and so much more! This inaugural fan-based event will run May 17 to 19 at the Better Living Centre, Exhibition Place.

Visit Toronto Island Park! Catch a ferry to Toronto Island Park for a scenic picnic, hike, or bike ride, or visit the interactive Franklin Children's Garden. Drop by Centreville Amusement Park, a fun amusement park that delights both children and adults with more than 600 acres of parkland surrounded by rides and attractions, and a variety of sit-down restaurants and food outlets. At Centreville, you can also visit Far Enough Farm, home to a number of different animals including horses, donkeys, cows, goats, pigs, rabbits, peacocks, and emus, and is located next to Toronto's Centreville Amusement Park on Centre Island. Admission is free and the farm is open from 8:00am to 4:00pm. Family fun awaits at Centre Island.

Celebrate Victoria Day at Fort York. It is after all, the birthplace of Toronto! Enjoy tours, kids’ activities, such as soldier's drill, demonstrations of Georgian-era cooking techniques in one of the oldest kitchens in Toronto, and English country dancing. Adults: $7.96, Seniors /Youth: $4.87, Children (6-12 years): $3.76 (plus tax). Children 5 and under are free. May 19 from 10:00am to 5:00pm.

A wide variety of flowers are in full bloom at Centennial Park Conservatory and Allan Gardens Conservatory. Both conservatories are open from 10:00am to 5:00pm. Admission is free.

Celebrate Victoria Day with an afternoon tea fit for a Queen at Montgomery's Inn. Price includes a complimentary guided tour of the Museum. All ages are welcome. First come, first served. $10 plus tax. Montgomery's Inn is one of 10 Toronto Historic Sites.

Black Creek Pioneer Village is hosting three days of family fairytale fun on May 17, 18, and 19, 2014! Bring your eye patches and tiaras. Celebrate stories such as Beauty and the Beast, Cinderella, and Peter Pan. Enjoy interactive entertainment, prince and princess lessons, Village wide treasure hunts, and more. This year, there's a new Family Fairytale Tea Party!

Artfest Toronto's Spring Art & Craft Show launches the Summer season on Victoria Day Weekend with a celebration of artists and artisans from across Canada. This juried outdoor show will feature 85 artists at the Historic Distillery District for three days only. Come stroll the cobble stone lanes and explore the beauty of the District. Offerings include pottery, glass, jewellery, artisan clothing, paintings, photographs, wood products, gourmet foods, live music, and much more. Free admission.

The City of Toronto's Parks, Forestry and Recreation Division is offering a wide variety of family activities on Monday, May 19. The City of Toronto will host a sparkling display of Victoria Day fireworks at Ashbridges Bay Park starting at 10:00pm. This year the City will be featuring a combination of over 2,000 fireworks complete with a spectacular finale!

Riverdale Farm is the perfect destination for families. Visit Riverdale Farm to see cows, horses, donkeys, sheep, goats, pigs, chickens, turkeys, ducks, geese, rabbits, and cats. While you’re there, visit the Residence and the Cabbagetown Regent Park Museum. The Farm is open from 9:00am to 5:00pm and admission is free.

HarbourKIDS: The Toronto International Circus Festival blasts its willing audiences into orbit on Victoria Day Weekend, May 17 to 19. Three days of dazzling daredevils, amazing acrobats, hilarious clowns, and brazen buskers – and it’s all FREE! The Festival is co-produced by Zero Gravity Circus.

A great opportunity to see Spring babies is at the High Park Zoo located on Deer Pen Road. The Zoo offers both domestic and exotic animals including bison, llamas, peacocks, reindeer, highland cattle, capybara, and sheep. The llama pen is open on weekends and statutory holidays from 11:00am to 3:00pm (weather dependant). Come feed the llamas, pet the rabbits, and baby chickens. The Zoo gates are open daily year-round to visitors from 7:00am to dusk.

Residents can explore their city on foot on Discovery Walks. The Discovery Walks program is a series of 11 self-guided walks linking ravines, parks, and neighbourhoods. Ranging from 1.5 to 11 kilometres, the walks are designed to showcase Toronto’s outstanding natural features, cultural and historical attractions. Brochures and maps are available.

Drop by the Kids Zoo at Toronto Zoo. It's a popular place for children and a must see and do family attraction! For younger kids who like their nature hands-on, the Toronto Zoo offers the great concept of a Kids Zoo uniquely designed for kids 9 and under. Activities range from the educational to the creative to just plain fun! Splash Island and the Animal Shows open this weekend. It's also World Turtle Week so celebrate from Saturday, May 17 to Monday, May 19 at the Americas Wetlands. Turtles around the world are threatened with extinction, but they are also some of the most honoured and celebrated creatures on earth. Join the Adopt-A-Pond Wetland Conservation Programme to discover the diversity of culture and mythology associated with turtles.

It's picnic season! Nothing symbolizes the start of Summer like having a family picnic on a beautiful day. It's casual, fun, and easy. Spend time outside and take in the sights, sounds, and smells of nature while enjoying a meal with family and friends! Some great spots in Toronto and the GTA for picnicking!

This Weekend: Things to Do in Toronto

May 16 to May 18

Yippe! The May 24 long weekend is here at last and summer season can begin (the weather better not mess this one up!). While you are all out enjoying the extra day off, check out the first round of summer festivals, including LulaWorld Festival, theCircus FestivalArtFest in the Distillery and Rock.Paper.Sistahz.


FRIDAY: May 16

Hedwig & the Angry Inch

This popular show takes audiences on a journey of love, betrayal and sacrifice with East-German trans-bombshell Hedwig, the lead singer of indie band The Angry Inch.

ALSO ON FRIDAY

More Friday Events

 

SATURDAY: May 17

Game of Thrones the Exhibition

This free (a timed ticket is required) exhibit features props, costumes and more from the super popular fantasy series. This year’s installment includes items from the fourth season, currently airing on HBO.

 

ALSO ON SATURDAY

More Saturday Events

 

SUNDAY: May 18

International Toronto Circus Festival

The family-friendly free, three-day festival showcases acrobats, daredevils, buskers and more.

 

ALSO ON SUNDAY

More Sunday Events

6 Designer Tricks to a More Comfortable Home

Have Comfortable Dining Room Seating

In this L.A. dining room, designer Peter Dunham fashioned a sprawling yet comfy corner. "A deep banquette in a dining area is dressier and more relaxed than just chairs," he says. He brightened it with six pillows made from a vintage suzani from Design Utopia. Banquette not in the budget? Pull in an armchair from another room or try tossing a few pillows onto the seating.


Kick Back with an Ottoman

"Putting your feet up is like lying in bed," says Dunham, who added a Caucasian carpet ottoman from Hollywood at Home to a slipcovered chair in the master bath.

Sleep on the Right Pillows

"When you're the parents of six children, you absolutely need a retreat," says designer Susan Zises Green, and the master bedroom of thisConnecticut home, with its comfortable sitting area, its deft touches of sophisticated gilt, nicely fills the bill. Green's idea of comfort is having "Really comfortable pillows on every bed." The Harlow bench is from John Rosselli.


Place Extra Blankets in Easy Reach

"I'm always cold," says designer Susan Zises Green, "I love to have warm throws in every room." The sitting room has an English country house air with its chintz-covered sofa and 19th-century prints of hunting dogs. The upholstered ottoman is by Robert Kline.


Install Soft, Diffused Lighting

Finding comfort in "the flicker of light," designers Gene Meyer and Frank De Biasi have two lanterns hanging in an archway of their Miami house. De Biasi also added a blue Noguchi-style paper shade to a brass Chinese lantern in the dining area. The come-into-the-casbah arch is painted Benjamin Moore's Garden Green and decorated with seashells. Blue Hurricane wool rug by Gene Meyer for Niba. A beaded curtain from Italy screens the view of the master bedroom.


Accept a Wrinkle or Two

Neutral cotton bedding makes designer Ginger Barber comfortable. "I love a soft wrinkle on a bed," she says, such as the one in the master bedroom of this Houston home. Rose fabric from Bennison.

Canada's Mortgage Rates Hit New Low: 2% Variable At Investors Group

TORONTO - The mortgage market was abuzz Tuesday after Investors Group offered a rate well below the current standard of around three per cent.

The financial services firm posted a 36-month closed, variable-rate mortgage at 1.99 per cent, which is also well below the 2.99 per cent level that drew sharp criticism from former finance minister Jim Flaherty when BMO first tried it, because he was worried it would trigger a damaging housing bubble.

"When somebody comes out with a rate like this it gets people talking about mortgages, it heats up the market and it brings a lot of press to Investors Group, which I think is what they were looking for," said Kerri-Lynn McAllister ofRateHub.ca, a company that tracks mortgage rates.

"It's the lowest rate on the market right now, and the lowest rate we have on record since April/May 2010, so I think it will create a splash similar to the BMO 2.99 per cent mortgage rate."

It's also likely to bring Investors Group new clients, McAllister said, because even though the firm isn't as well-known for its mortgage business, Canadians are always looking for the lowest rate, regardless of where it comes from.

Peter Veselinovich, vice-president of banking and mortgage operations at Investors Group, said the company decided to post the rate Monday because it had "an abundance of money available for certain terms" which it decided to put out to current and potential clients.

"It was a block of funding that we have in place and we're going to take advantage of that to let people know that Investors Group also does mortgages," he said.

But Veselinovich stressed the rate isn't mean to get people into financial situations they shouldn't be in, or impact the market.

"Our focus is on that overall financial plan and that's the umbrella under which we do everything," he said.

Like with any other product, when it comes to the three-year mortgages, Investors Group will "make sure that it's the right product for the people and that they can afford it and have the appropriate cushion."

One condition attached to the rate is that you can't break the mortgage unless you sell the property for the three-year period.

Joe Oliver, who took over as finance minister from Flaherty earlier this year, had said in the past he had no plans to intervene in the setting of mortgage rates, calling it a "private'' decision by lenders.

But on Tuesday he noted that the government had "taken action in the past to reduce consumer indebtedness and the government's exposure to the housing market."

"I will continue to monitor the market closely," Oliver said in a email statement after the rate was posted.

Before Investors Group announcement this week, the latest lender to make waves had been Royal Bank, when it lowered its rates on several fixed-rate mortgages by 10 basis points in January, bringing its five-year closed rate to 3.69 per cent. It now sits at 4.94 per cent, while the variable five-year rate is at three per cent.

RBC said at the time the rates were lowered to match competitor pricing, and several other big banks followed suit.

As of Tuesday, Investors Group had the lowest three-year rate. The next lowest rate for a variable three-year rate from one of the banks came from Laurentian Bank at three per cent.

For the more common five-year variable rate, Scotiabank offered 2.60 per cent, while BMO, Royal Bank, TD, CIBC, Laurentian and National Bank all stood at three per cent, according to RateHub.

Sales gains signal strong spring for much of Canada’s housing market

Local real estate boards across the country have begun to release their sales data for the month of April, and it looks like the spring housing market is fairly strong.

The full picture won’t be clear until mid-month, when the Canadian Real Estate Association compiles data from real estate boards coast to coast and releases national figures.

But cities like Toronto and Regina are reporting sales levels that top the ten-year average for the month of April. And cities like Edmonton and Vancouver are showing double-digit increases over this time last year (although Vancouver’s sales level for the month was 5.2 per cent below its 10-year average).

Here’s some of what we know:

Edmonton:

  • Sales up about 12.6 per cent from a year ago
  • The average selling price was $365,045, up 4.5 per cent from a year ago
  • Thirteen homes sold for more than $1-million

Regina:

  • Sales up 16 per cent from a year ago
  • The average selling price was $317,176, relatively flat from $317,065 a year ago
  • The MLS Home Price Index, which seeks to be more of an apples-to-apples comparison of prices than the average, was down 1.5 per cent from a year ago, with a benchmark price of $305,000

Toronto:

  • Sales up 1.8 per cent from a year ago
  • The average selling price was $577,898, up 10.1 per cent from a year ago
  • The MLS Home Price Index was up 7 per cent from a year ago

Vancouver:

  • Sales up 16.1 per cent from a year ago
  • The MLS Home Price Index benchmark price was $619,000, up 3.6 per cent from a year ago
  • Total listings were down 7.3 per cent from a year ago

Calgary:

  • Sales up 7 per cent from a year ago
  • The benchmark price of single-family houses was $496,700, up 9.67 per cent from a year ago
  • Listings up 8 per cent from a year ago

Ottawa:

  • Sales down about 9.5 per cent from a year ago
  • The average sale price was $374,015, up 0.8 per cent from a year ago
  • The average sale price for a condo was $258,500, down 3 per cent; the average sale price of other types of homes was $399,541, up 0.9 per cent.

These numbers are based on sales of existing homes over the Multiple Listing Service for each city, and generally also include the surrounding area. They come from the local real estate boards, which represent realtors.

Given that realtors have a vested interest in the housing market, the boards and the national body (the Canadian Real Estate Association) face some skepticism about some of the data, especially from those who think the housing market is overheated.

I’ll point out, it doesn’t help matters when the press release that the local real estate board writes to convey its monthly statistics includes a sales pitch like this... “The spring is a great time to buy or sell real estate, especially with interest rates continuing to remain low,” says (Randy) Oickle (President of the Ottawa Real Estate Board). “Talk to an Ottawa-area REALTOR(r) today for help with buying and/or selling a home, and you will have an ally from start to finish, and everything in between.”