archive-ca.com » CA » D » DGIDIRECT.CA

Total: 440

Choose link from "Titles, links and description words view":

Or switch to "Titles and links view".
  • Planning Guide to Building a House
    your budget Whether you re buying a home or building one yourself your total housing costs should not exceed 32 of your household s gross monthly revenue and no more than 40 of your revenue should go to repaying your debts Typically the following average percentage costs apply to each step of the construction process Excavation and foundation 30 of total costs Framing and closing up such as windows stairs roof electricity exterior finishing etc 30 of the costs Installing drywall 9 of costs Finishing such as cupboards bathroom fixtures flooring painting landscaping 28 of costs After your project and budget are prepared make an appointment with a financial advisor He or she will help you define your mortgage needs and apply for a mortgage as quickly as possible Bring copies of your plans and specifications a detailed estimate of costs with a backup documentation and the construction schedule Step 3 Insurance Don t take the risk of letting an accident endanger your project while it s being built or after it s been completed A home insurance policy customized to meet your needs is the best way to be sure your home is protected every step of the way During construction we recommend having civil liability insurance to protect yourself and your workers in case of an accident Once built it s essential to have proper coverage for your most precious asset Desjardins Home insurance includes a basic all risks policy covering loss due to the majority of accidents that cause damage to your home or property but you can also add optional clauses for specific needs such as aboveground water damage or an aboveground pool Request an online quote to determine which type of coverage is best for you Lastly take measures to protect your ability to meet

    Original URL path: http://dgidirect.ca/home-insurance-articles/your-planning-guide-to-building-a-house/ (2016-05-01)
    Open archived version from archive

  • Your Complete Glossary of Mortgage Terms
    allow you to benefit from dropping interest rates and repay your mortgage faster Learn more about fixed and variable rate mortgages Interest rate differential IRD A penalty for early prepayment of all or part of a closed fixed rate mortgage This is the difference between the existing rate of your mortgage and the rate recommended for fixed rate closed mortgages where the term most resembles the remaining term of your mortgage Interest rate reduction A discounted interest rate sometimes set when a mortgage is taken out or renewed Maturity date The last day of the term of the mortgage payment Mortgage penalty A sum required from homeowners who fully or partially prepay their mortgage loan before the term for the purpose of compensating mortgage lenders for losses incurred when mortgages are prepaid Preauthorized mortgage A process that involves a review of a potential borrowers credit history to determines the maximum amount that the lender will be willing to lend By applying for a pre authorized mortgage you know exactly how much you can spend on your new home and are able to prove your purchasing capacity and seriousness as a buyer Your pre authorized mortgage is your trump card when shopping for a home Term The period between the date the mortgage agreement is signed and the date repayment is due At the end of the term you may pay your mortgage in full or renew it under new conditions depending on your needs Yearly rate resetter mortgage loan A 1 year fixed rate mortgage revised annually for a 5 year term including a predetermined discount for each year This type of mortgage offers one of the best fixed rates on the market Find out more about the Yearly Rate Resetter mortgage loan The world of mortgage financing is constantly

    Original URL path: http://dgidirect.ca/home-insurance-articles/complete-glossary-mortgage-terms/ (2016-05-01)
    Open archived version from archive

  • 6 Ways to Make Shovelling Snow Easier - DGI Direct
    the job later exception if it s a really heavy storm it might make sense to divide the labour into stages In the same vein hold off on shovelling the snow at the end of the driveway i e where it meets the road until you actually need to back out with your vehicle There s nothing worse than clearing the snow from the end of the driveway only to have the plow come by and erase all your hard work Don t pile the snow right next to your driveway If you do this bits of snow will inevitably come tumbling back down creating more work for yourself Instead make an effort to heave the shovelled snow a good distance away from you You ll thank yourself for it in the long run Multi task Shovelling snow can be painfully boring if that s the only thing you re doing Keep your mind occupied by bringing a portable music player with you or thinking through a problem you re tackling at work Repetitive tasks like shovelling snow free up the mind for a lot of really great thinking time Reward yourself for your hard work It takes a strong and heroic person to brave the cold for the greater good of the driveway You deserve a little something for your effort Reward yourself with something you wouldn t normally indulge in like a steaming mug of hot chocolate or an extra helping of dessert Knowing what s waiting for you as a prize will incentivize you to move faster and the job will be finished before you know it No one enjoys shovelling the driveway but these tips can make the job a bit more pleasant Ad don t forget soon it will be spring and you can put

    Original URL path: http://dgidirect.ca/home-insurance-articles/shovelling-snow-easier/ (2016-05-01)
    Open archived version from archive

  • What to Do When You Have Frozen Pipes - DGI Direct
    are supplied by exposed pipes slightly open A steady flow of running water even just a dribble should help prevent the pipes from freezing Consider keeping your thermostat set to the same temperature during both day and night Leave the heat on in your home when you go away set to a temperature no lower than 13 C With these precautions your home s pipes should be able to make it through the winter just fine Thawing Frozen Pipes If you wake up one morning in the dead of winter turn the faucet on your bathroom sink and are greeted by a tiny trickle of water or nothing at all you probably have frozen pipes Before you panic and call a plumber here s what you should do Step 1 Keep the faucet open This will allow the steam to escape when thawing the frozen section of pipe Step 2 Try to find the source of the obstruction Start by checking sections of pipe that are against exterior walls or in uninsulated areas of your home Step 3 Once you find the frozen section of pipe apply heat to it either by using a hair dryer space heater electric heating pad or towels soaked in hot water Continue to heat the pipe until regular water pressure is restored Step 4 Check every faucet in your home to ensure you don t have any other frozen pipes If you find another faucet that isn t working properly repeat steps 1 through 3 Sometimes the frozen section of pipe might be in an area that is inaccessible such as behind a wall Similarly you may not be able to determine where the frozen area is In these situations your best bet is to call a licensed plumber Waiting for a frozen pipe

    Original URL path: http://dgidirect.ca/home-insurance-articles/frozen-pipes/ (2016-05-01)
    Open archived version from archive

  • Holiday Safety: Keeping Christmas Tree Fires at Bay | DGI Direct
    While it may save time these trees dry out much more quickly than those that have just been chopped down After bringing it home trees should be watered as quickly as possible Using a tree stand position the conifer in place using the adjustable security locks and pour lukewarm water into the reservoir making sure not to fill it so high that it spills over But before this is done it s a good idea to cut about two additional inches off the trunk of the tree which enables the trees to absorb water more quickly and efficiently A Christmas tree wouldn t be what it is without the decorations but it s the ornamentation they receive that often make them at risk for fire Thus when stringing lights around the tree be sure that the lights are certified by the Canadian Standards Association This indication should be found on the original packaging of the lights Examine light strands first Before placing the strands of mini bulbs around the tree it s a good idea to plug it in first just to see that they all work There s bound to be at least one or two that either don t light or are missing their cover Light sets will often have extras for this very reason Additionally examine the cord to ensure that there s no signs of fraying or cracking Exposed wiring is a fire hazard and should never be used on a Christmas tree After spacing out the lights so that they re uniformly situated and placing on the other ornaments try not to keep the lights on all day long The bulbs can grow extremely hot over time which increases the risk of a fire if a tree dries out Also make sure the tree isn

    Original URL path: http://dgidirect.ca/home-insurance-articles/keep-christmas-tree-fires-bay/ (2016-05-01)
    Open archived version from archive

  • IBC Supports Mandatory Carbon Monoxide Detectors | DGI Direct
    could diminish significantly with mandatory CO detectors as the harmful gas is virtually undetectable by human scent or sight because it is odorless and colorless According to the Canada Safety Council CO is the leading source of all deaths in North America among poisonings Because almost every home has some heating source inside everyone is at risk for CO poisoning Furnaces fireplaces gas stoves wood stoves and water heaters all give off carbon monoxide because of the fuel they burn to provide heat Though released in much smaller concentrations cigarettes and cigars are also sources of CO How much CO an individual breathes in determines their symptoms For instance when exposed to it for a short time approximately one hour tell tale signs of poisoning include headaches tiredness shortness of breath impaired motor functions and flu like symptoms according to Health Canada However if CO is breathed in over a 24 hour period the effects can be much more severe and potentially long term resulting in convulsions coma and death There are many ways in which to guard against CO poisoning Perhaps the most reliable way is to install a CO alarm These can typically be purchased at any hardware store Consulting with one s local fire department may give residents a better idea of the best brand to purchase and where in the home it should be placed Another way in which to avoid breathing in CO fumes is by sticking to a home maintenance schedule For example CO alarms usually require batteries to operate These power sources don t last forever though and may stop working a year after they re installed Have a day marked on the calendar to replace CO batteries so that the devices are never off Cleaning the furnace on an annual basis is

    Original URL path: http://dgidirect.ca/home-insurance-articles/ibc-supports-mandatory-carbon-monoxide-detectors-ontario/ (2016-05-01)
    Open archived version from archive

  • Thousands Affected by Windstorm in Ontario & Quebec | DGI Direct
    said Michael Elliott weather expert and meteorologist according to the news source Additionally Global News reported that nearly 48 hours after the storm most homeowners had their power restored but there were still approximately 78 000 in Quebec who still did not have electricity Heavy winds blew in summer 2012 There weren t any major reports of massive numbers of people filing Canada home insurance claims due to property damage sustained However each year wind is a significant source of losses both for business owners and private residents According to the Insurance Bureau of Canada insured losses in July 2012 alone were in excess of 90 billion in Ontario locations like Hamilton and Ottawa One month later in nearby Alberta Calgary was hit hard by flooding hail and a violent windstorm totaling more than 550 million combined in insured damage In order to guard against sustaining these types of incidents the following tips may be useful For instance one of the most important components of safety during a windstorm is putting movable pieces of property out of harm s way CBC News reported that on Nov 2 there were scattered reports of vehicles being badly damaged due to fallen trees and branches If possible try to park vehicles on parts of the property that are away from heavily wooded areas So long as it s permitted ideal locations might be on the side of the road or in a public car garage Residences can be damaged even by relatively weak windstorms depending on how close trees are Between 12 and 24 hours before it s projected to hit a particular area try to pare back all tree limbs that are within 10 feet of the house as blustery conditions may cause them to scrape the exterior potentially taking off some

    Original URL path: http://dgidirect.ca/home-insurance-articles/hundreds-thousands-affected-windstorm-ontario-quebec/ (2016-05-01)
    Open archived version from archive

  • Four tips to remember when there's a fire - DGI Direct
    situation These plans should detail the best routes to take when exiting the house depending on where the fire is located and where people are situated It s a good idea to go over these plans several times each year so that one knows exactly what to do when there s a fire Stop drop and roll One of the components of a fire safety plan is how to react in the event someone inadvertently comes into contact with a flame Once again when anything catches fire it can be extremely scary and cause panic But should it happen do just as firefighters have long recommended Stop drop and roll In short fall to the floor and roll back and forth until the flame is extinguished Get low to the ground The natural inclination when a fire develops is to run for the door However there may be situations in which this is impossible due to blocked passageways or obstacles These circumstances are further complicated when there s intense black smoke Breathing in these fumes can be extremely hazardous to one s health and be almost paralyzing because it s so difficult to catch a breath Because heat rises crawl on the floor in order to get underneath the fumes This should make it easier to breathe avoiding the health complications that result from inhalation Lightly tap door handle before opening Something else to keep in mind are the temperatures of door handles It s natural to grab the handle to escape immediately However they can be very hot to the touch If they are it s a good indication that there s a fire on the opposite side The Canadian Red Cross says that in these situations seek out an alternative route whether through a window or another door

    Original URL path: http://dgidirect.ca/home-insurance-articles/four-tips-to-remember-when-theres-a-fire/ (2016-05-01)
    Open archived version from archive



  •