Make

From page $0

the shower enclosure. In most
cases it casts less to make
minor improvements as they
are required rather than wait-
ing antil the damage is exten
sive — and expensive — to
replace or repair.

ff the Kitchen cabinets
can’t be spruced up by a paint
job or new countertops, or
the 1950s faded turquoise
finoicum is making you crazy,
you might need to invest a lit-
tle more for upgrades.

Unless your house is verv
large or your taste very extrav-
agant, you should be able to
replace your kitchen and bath-
room cabinets and update the
flooring in these roems for
less than $10,006. Or you
could replace drafty windows
with double pane glass and
reap an extra reward in
reduced heat bills. A deck
addition could add valuable
warm-weather living space
and create a transition from
indoors to oui.

Although the basement is
hot an area most of us like to
spend much time in or money
on it is there that major prob-
lems, such as water seepage or
foundation damage, often
show up first. If you are think-
ing of selling your home,
these tell-tale signs of expens-
es down the road can be a real
disincentive to potential buy-
ers.

For those of you who are
prepared to spend more than
$10,000 on renovations, look
first to the kitchen and baths.
Here you'll reap the greatest
financial benefits from your
investment, should you decide

332 Lonsdale Avenue

Sure

to sell. New cabinets, appl
ances, flooring. windows, the
addition of a pantry or small
office area all add significantly
vo the value of your home and
you'll likely recoup vour
money {provided you don’t
go too high end) sfiould you
need to sell.

If it’s the master bedroom
you want io improve, the
addition of a walk-in closet or
luxurious bath is recomumend-
ed to hefp vour house appeal
to today’s buyers and rerain an
up-to-date look and feel.

Wait a minute-how will
you pay for all this? Consider
an unsecured personal line of
credit, with an interest rate
tied to prime. That mav be all
that’s needed for home reno-
vations under $16,000.

When inaking the decision
on the quality of the upgrade,
it is often a good idea to fol-
low the styl: and standards set
by the original home. Granite
countertops and marble floors
may look out of place in a
small bungalow and you may
not recoup your investment.
On the other hand, if you are
updating a dramatic, architzc-
tural designed home, you
don’t want to scrimp on qual-
ity. An inexpensive fiberglass
shower enclosure miay stand
oat like a sore thumb if every-
thing eclse in the house is
ceramic tile and mahogany.
While saving you a few hun-
dred dollars at the time, reno
shertcuts may contribute to
reducing the value of your
home overall.

To finance home improve-
ments over $10,000, talk to
your financial advisor to
arrange a secured Hine of cred-

(between 3rd & 4th Street)

‘ fA

re

it, or af necessary a second
mortage. Mrnember to add
ar least 10% contingency to
the estimated cost of the
improvements -— Murphy's
Law is at work everywhere.
Don't forget to talk te

your insurance agent to make
sure your improvements are
insured and to check that your
home and property are ade-
guately insured during the
ronovation process.

Your home is one of vour

vemenis

Paddle perfection

Friday. July 31, 1998 — North Shore News — 53
a

insured

Development, North shore
Credit Union. For mors infor-
nurtion on developing 2 persen-
al financial plan contact
Sheila at the Ambleside branch
ar call one of the credit union's
teleconsultants at 713-3000.

Most important investments.
A little strategically placed lov-
ing care can yo a long way
toward securing its lasting
value.

— Shetls Kilpatrick ts

senior manager, Business

\

THE weather's fine for a quiet paddie in a sea kayak. Eric Rosenberg was on the water in Indian Arm recent-
ly teaching a kids’ kayaking camp through Deep Cove Canoe and Kayak Centre. For information, cali the cen-

tre at 929-2268.

rn Ne \ Poe

A x

I CAN’T BELIEVE J) |
The last 4 condominium homes at Calypso are
now offered at these unbelievable terms: |

#124 - 2 Bedroom, 863 sg.ft.
2nd floor, courtyard, former
showsuite with upgrades.

$779.54

per month

#128 - Z Bedroom, 863 sq.ft.
2nd floor, facing courtyard.

$779.54

per month

#226 - 2 Bedroom, 863 3q.ft. |
3rd floor, facing courtyard

$779.54

per monin

#228 - 2 Bedroom, 863 sq.ft.
Top floor, view of City. “You will.

love it”.
$832.65

per month

Monthly payments shown above are based on 5% down and 2.88% for 2 years.

Price includes GST, Free L

egal and Free Appraisal Fees.

THIS IS YOUR OPPORTUNITY TO ‘LIVE IN THE CENTRE OF
THE MOST EXCITING DEVELOPMENT THE NORTH SHORE
HAS EXPERIENCED!!

Do yourself a favoux & investigate this offer...
IT JUST DCESN’T GET ANY BETTER!

We will be
Saturday &

on location
Sunday only

Noon - 5pm
Or call

329

-0295 Redekop Properties