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  • Guide to Spring Gardening - DGI Direct
    sprinkled with grass seed Water the spot regularly until the grass seeds begin to germinate Hunt for weeds Early spring is the best time to go hunting for weeds since their roots will still be shallow at this point Make sure to remove the entire weed roots and all Weeds are notoriously difficult to keep down Stay vigilant and take preventative action by adding mulch to bare soil spots Mulch keeps weeds from germinating by blocking their access to sunlight Applying a depth of 7 to 8 centimeters is usually enough to do the trick Top dress your beds It s still too early to start working the soil but there s no reason not to top dress your garden beds Simply sprinkle a layer of compost on top of your garden as nature takes its course the nutrients will work their way down into the soil Do not dig into the soil until it s had a chance to dry out usually around May At this point it s still saturated with moisture from the winter and digging around will only create problems Prune trees and shrubs You can prune unwanted branches from your trees and shrubs as soon as new growth has begun For fruit trees it s wise to prune well before budding begins or else the tree may become stressed Make sure to pick up and remove the pruned clippings from your lawn to save yourself trouble when you have to mow it later on Small quantities of trimmings can be added to your compost pile Divide your perennials Now is a perfect time to divide your perennials before the emerging shoots become too long To do so carefully remove the perennial making sure not to damage the roots Transfer to a new bed containing 6 to 7 inches of organic matter such as compost or peat moss Spread out your perennials so that they don t grow into one another Existing perennial beds should be mulched to prevent weed growth taking care not to put mulch over the plant roots Get a head start on your summer flowering bulbs If you re anxious to get to work on summer flowering bulbs like dahlias or begonias you can pot them indoors until after the final frost Be sure to keep the pots under lights and to feed and water them as necessary Once the weather warms up and the ground has sufficiently thawed your burgeoning bulbs can be easily transferred to the garden Plant early spring vegetables As soon as the ground is workable start planting cool weather vegetable crops such as peas spinach cabbage lettuce onions and leeks Meanwhile feel free to start seeds for tomatoes and peppers indoors These should be ready to plant by the end of April or May Yum You don t have to wait until the weather warms up to start exercising your green thumb Get a head start on your garden now and you ll be rewarded a colourful

    Original URL path: http://dgidirect.ca/home-tips/guide-spring-gardening/ (2016-05-01)
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  • Our Guide on How to Prune Trees This Spring - DGI Direct
    summer after they ve bloomed include Azalea Beautybush Forsythia Hawthorn Hydrangea Bigleaf Lilac Magnolia Mockorange Mountain Laurel Rhododendron What to Use What exactly do you need to get pruning That depends on what kind of trees and shrubs you re working with Larger branches may require a pruning saw while small twigs can be pruned with a good pair of hand pruners Take a look below for an overview Maximum Cutting Diameter The Tool for the Job 70 cm Pruning saw 1 25 cm Hedge shears 3 5 cm Lopping shears 2 cm Hand pruners Remember Skimping on cheap pruning tools may be more economical in the short term but it doesn t pay off in the long run buy good quality tools now and they ll get the job done better and faster and last for many spring seasons to come The Step by Step Process Now that you know when to trim your trees and bushes and are armed with the right tools to do so it s time to actually start primping pruning and trimming Pruning Shrubs Step 1 Remove dead and diseased branches first Look for these telltale signs of dead wood leafless branches those with clinging dead leaves when other branches are bare branches with pieces of bark falling off and those with large fungus Step 2 Pick two to four of your shrub s largest and oldest stems make sure they are evenly spaced around the shrub and remove them with your hand pruners Be sure to cut as close to the base of the stem as you can Step 3 You may need to remove some younger stems too get rid of branches that are rubbing against each other crossing crowding the centre of the shrub or those that simply look out of place Try to leave a balance of small and large stems as well as new and old ones Step 4 If you come across a stem that s too long cut right above a bud that s facing towards the outside of the shrub this keeps its centre open which helps with circulation Pruning Trees Step 1 When you ve chosen a branch you d like to prune make a small wedge shaped cut on its underside but only on the branch side of the stem collar This keeps tears from forming along bark and stem tissue Step 2 Further along the branch starting from the top make a cut all the way through the branch itself this creates a stub end Step 3 Make a third and final cut that s parallel to the stem collar of the branch make sure that your final cut is on the branch side of the stem collar in order to reduce the length of the stub Use the image below as a guide Image from Virginia Tech s Guide to Successful Pruning Pruning Basics and Tools There are many advantages to proper pruning not only does it improve the shape of your

    Original URL path: http://dgidirect.ca/home-tips/our-guide-on-how-to-prune-trees-this-spring/ (2016-05-01)
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  • Tax Tips to Save You Money - DGI Direct
    taxes and capital cost allowance equal to the percentage of your home that is reserved for business If you rent your home you can claim a portion of your monthly rent Any expenses directly related to your business e g supplies client entertainment and business travel costs are fully deductible Again make sure you re keeping a close record of all your receipts Transfer unused credits Several tax credits can be transferred between individuals that share a certain relationship For example spouses are eligible to transfer several credits such as the Child Tax Credit Disability credits can be transferred from a dependent to a caregiver under certain conditions Tuition education and textbook credits for students can be transferred to a spouse parent or grandparent provided the student has already used the credits to reduce his or tax payable to zero Alternatively these credits can be carried forward so the student can use them at a later date Transferring unused credits is an easy way to claim tax benefits that wouldn t otherwise apply to you Reinvest your RRSP return More than two thirds of Canadians made contributions to their RRSPs prior to this year s deadline for the 2013 tax year If you were one of them congratulations You ve made a wise decision about saving for retirement But if you re thinking about using your RRSP tax refund to splurge on a nice vacation reconsider Spending your RRSP refund while tempting basically defeats the purpose of the RRSP Since any money you invest in an RRSP will be taxed when you withdraw it after retirement the return you receive today is essentially nothing more than a long term loan from the government The tax man is going to come back for that money or at least a large part

    Original URL path: http://dgidirect.ca/general-tips/tax-tips-save-money/ (2016-05-01)
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  • Cheap Car Insurance: Not Just a Pipe Dream! - DGI Direct
    and your home with another you may be losing out on some solid discounts Insuring your vehicle and home with the same provider will typically save you money since many insurers offer discounts for combining policies By the same token insuring multiple drivers and or vehicles with the same provider may very well lower your premium too Desjardins Insurance offers a Multi Line Discount when you insure both your home and vehicle together whether you own a home rent an apartment or even have a cottage the Multi Line Discount is made to save you money Plus the Desjardins Multi Vehicle Discount offers even more savings when you insure all of your vehicles together 4 Choose a vehicle with low insurance rates and repair costs It makes sense that a flashy SUV costs much more to ensure than a safe small commuter vehicle When you opt for a luxury vehicle you re also opting for a higher car insurance premium that s because generally it costs much less to repair an economy class vehicle than it does a high profile luxury car Plus the older your vehicle the less you ll have to pay in premiums older cars are often cheaper to insure than their modern counterparts If you re curious about how age affects premiums take a few minutes to get a quote online and compare rates for cars of various models and from various years 5 Increase your deductible One foolproof way to decrease your premium is to increase your deductible A deductible is the amount of money you are willing to pay in the event of an insurance claim This means that if your collision deductible is set at 500 in the event of an accident you have to pay the first 500 of your car s repair costs while your insurer pays for the rest Simply put the higher your deductible the less you have to pay in premiums 6 Shop around If you re not satisfied with the cost of your auto insurance premium it s more than worth it to simply shop around A little time spent comparing quotes could save you a lot of money down the road To make sure you re comparing quotes properly give the same information to every insurance company that you receive a quote from including the make of your vehicle the number of drivers how you use your vehicle and the driving records of its drivers 7 Sign up for the Ajusto app Be rewarded for safe driving with the Ajusto app and save up to 25 off your car insurance premium To sign up all you need is a car insurance policy from Desjardins Insurance a smartphone and a data plan simply download the app onto your phone then create a profile and you ll be on your way to serious savings Driving better and paying less Now that s something to celebrate 8 Park in the garage Believe it or not it s true if

    Original URL path: http://dgidirect.ca/auto-insurance-articles/cheap-car-insurance-not-just-a-pipe-dream/ (2016-05-01)
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  • How Usage-Based Insurance Benefits Young Drivers
    has attracted many who consider themselves good drivers because it rewards good drivers with savings However drivers who are learning can benefit with savings too Since Ajusto has launched its users have saved an average of 12 The data gathered by the telematics device can only be used to increase your savings not penalize you That s right with Ajusto you can only save Ajusto is free for Desjardins Insurance clients and can allow users to save up to 25 more on car insurance at renewal over and above all the other savings offered by Desjardins Insurance For young drivers on a budget the savings can make a difference More autonomy in vehicle use UBI can help parents of young drivers be confident that their teen is staying safe in the family car even when they can t be there That means young drivers can enjoy more autonomy as they learn Rather than back seat driving UBI offers parents a way to effectively help their teen adopt the best possible driving practices The data shown on Ajusto s online dashboard gives parents and teens the information they need to talk tips and opportunities for improvement making it a valuable tool for helpful feedback Young drivers can set a good example When young drivers take control of their driving habits the effect is widespread paying attention to driving practices makes the road safer place for everyone To be sure a car s most important safety feature is the driver Encourage the young driver in your household to start off driving safe and introduce them to Ajusto Find out how much your could be saving now with the online calculator Car insurance is changing and the benefits for both new and seasoned drivers are many t he power to pay less is

    Original URL path: http://dgidirect.ca/ajusto/usage-based-insurance-benefits-young-drivers/ (2016-05-01)
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  • 4 Ways Usage-Based Insurance is Changing Car Insurance - DGI Direct
    calculator to see how much Ajusto could save you Greater control over savings UBI lets drivers take control of their potential savings by helping them monitor their driving habits Changes are always within your power to make so saving on car insurance is more possible than ever Ajusto makes it easy When you register you can track your driving habits on a daily basis and your discount every month on your personal dashboard a 100 secure site There you ll find your personal dashboard showing your driver profile based on 3 criteria annual kilometres driven acceleration and braking and travel times as well as your estimated savings for each While UBI attracts good drivers who are confident their behaviors will lead to discounts poor driving habits are not penalized with Ajusto The data gathered can only be used to increase your savings not penalize you Added incentives for safe driving UBI offers a unique opportunity for drivers to stay mindful of their driving habits on a daily basis Even if you already consider yourself a good driver the added incentive of savings ensures safe driving becomes routine That benefits everyone on the road Find out how Ajusto has influenced drivers behaviours for the better A smart insurance option for young drivers UBI helps young drivers start off driving safe by allowing them to see where their driving behaviors could use improvement If you ve got a young driver sharing a family car registered with Ajusto viewing your virtual dashboard together can let you set the positive example you need to make sure your young driver is adopting the best possible practices Wireless telematics technology is changing the landscape of car insurance in Canada and thousands are already experiencing its benefits Why get left behind Sections Auto Insurance Home Insurance Pet

    Original URL path: http://dgidirect.ca/ajusto/usage-based-insurance-transforming-car-insurance/ (2016-05-01)
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  • How Ajusto Rewards Good Drivers
    on their virtual dashboard Just go to online services a 100 secure site and you ll find your personal driver profile with your results based on the three criteria described above as well as the estimated savings potential for each Your dashboard will help you understand how you can adjust your driving behavior to maximize your savings To find out how much the program could be saving you now see our savings calculator Safe driving becomes second nature Even if you already consider yourself a good driver Ajusto can help you stay mindful of your driving habits According to Ajusto user Pawan Arneja installing the program increased his awareness of safe driving behaviours more than regular day to day driving With the added incentive of savings safe driving becomes routine which benefits you your passengers and everyone else on the road Spread your good influence to your young driver You can t always be there when the young driver in your household sets off in the family car Your virtual dashboard can serve as an indicator of which areas of his or her driving behaviours could use improvement Monitoring your driving behaviours together sets the positive example you need to ensure your young driver starts off driving as safe as you do You can only save with the Ajusto program There are no extra fees involved and it won t increase your insurance premium Sign up to receive your device and start realizing your savings potential Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related Articles Pet Insurance Pet Tips Property Insurance Tenant Insurance Travel Tips Archives April 2016

    Original URL path: http://dgidirect.ca/auto-insurance/ajusto-rewards-good-drivers/ (2016-05-01)
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  • Save Up to 25% More on Car Insurance with Ajusto - DGI Direct
    data is recorded on your online dashboard a tool that allows you to monitor your driving habits and keep track your savings potential You can view your driving data at any time Simply go to your online services a 100 secure site and log into your account which only you can access There you can view your results for each factor as well as your total estimated savings for your auto insurance renewal Tracking your savings with Ajusto on your online dashboard is as easy as logging in Ajusto could potentially save you up to 25 at renewal and that s in addition to the other savings offered to Desjardins Insurance customers To find out how much more you could be saving take our savings calculator for a test drive The program won t increase your insurance premium and there are no extra fees involved when you sign up With Ajusto you can only save Check out video testimonials by drivers who tested Ajusto and discovered its advantages Or switch to Desjardins sign up now and receive your free telematics device in the mail Installation is quick and easy with the simple instructions and a few days after you install the device you ll be able to view your savings potential on your online dashboard Start taking control with Ajusto and equip yourself with the power to pay less Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related Articles Pet Insurance Pet Tips Property Insurance Tenant Insurance Travel Tips Archives April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July

    Original URL path: http://dgidirect.ca/auto-insurance/car-insurance-savings-ajusto/ (2016-05-01)
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