Monday, February 26, 2018

What Is Up With Chicago’s Property Taxes? Accounting Solutions Ltd. Explains The Changes And How They May Impact You

Understanding the ins and outs of Chicago’s tax system is an ongoing process that has certainly kept Accounting Solution Ltd.’s dedicated CPA’s hard at work over the past few decades. Every year we experience a number of changes that alter … Continue reading →

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SKY Residences in Downtown Edmonton – Availability, Plans, Prices

At a Glance

  • Heart of ICE District Location at 103 Avenue Northwest, Edmonton
  • Situated on floors 30 through 66 atop Stantec Tower with unobstructed city views
  • SKY Resudebces is the tallest tower in Canada (outside Toronto)
  • Business Centre, Media Lounge, Poker Lounge, Billiards Club, Fitness Centre, Yoga/Pilates Studio, Infrared Sauna and more
  • Short walk to Rogers Place, shopping, dining, Cineplex VIP and UltraAVX Cinemas and more
  • 4 floors of retail and a pedway to the new JW Marriott hotel

Live Urban at Centre ICE

Excitement lives here, in almost too many ways to count. There’s ICE District’s buzzworthy restaurants and cafes, ongoing Oilers games, concerts,cultural events, shopping, a Cineplex UltraAVX & VIP Cinema, and the Grand Villa Casino. Wherever you roam within ICE District, you’ll stay connected to Wi-Fi, thanks to state-of-the-art bre optic cabling running throughout the community.

This address provides a convenient, direct inside connection to downtown Edmonton’s above ground pedway system. Shed your winter coat and explore ICE District or downtown in climate-controlled comfort. Or, hop on the LRT or transit system located just steps away, and get anywhere else quickly and easily.

 

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Pricing for SKY Residences

Starting $332K for 1bed + 1bath.  Serious buyers are advised to sign up to our VIP list above for priority access to SKY Residences.

Floor Plans for SKY Residences

SKY Residences Floor Plans

Contact me today to discuss availability and plans according to your needs.

Amenities at SKY Residences
SKY’s stunning 20,000 sq. ft. amenity space on the 30th floor features a rooftop terrace, hot tub, fitness facilities, a dog run and more.

Maintenance Fees at SKY Residences
TBA.

Developer Team for SKY Residences

ICE District is Edmonton’s potential brought to life. A once-in-a-lifetime opportunity to develop 25+ acres in the heart of a modern metropolis.

ICE District started with Daryl Katz and a vision. Katz Group partnered with the City of Edmonton to build Rogers Place, the catalyst for ICE District. In 2012, Katz Group then joined forces with ONE Properties to create ICE District Properties, the vibrant mixed-use development surrounding the arena. Through their partnership, Katz Group and ONE Properties aim to bring Edmontonians together and attracts visitors to a city that’s truly world class.

Expected Completion for SKY Residences
Beginning of 2020

 

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Alma & 10th on Vancouver’s Westside

Alma & 10th by Landa Global is a new four-story mixed-use concrete development located at the corner of Alma & West 10th Ave.  Contemporary form transitions into traditional charm to enhance this upscale neighborhood. This classically-inspired project will offer seven retail units and 32 two and three-bedroom condominiums. The Broadway commercial district, top-rated schools, Almond Park, fitness centre and more are just steps away.

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Alma & 10th on Vancouver’s Westside

Alma & 10th by Landa Global is a new four-story mixed-use concrete development located at the corner of Alma & West 10th Ave.  Contemporary form transitions into traditional charm to enhance this upscale neighborhood. This classically-inspired project will offer seven retail units and 32 two and three-bedroom condominiums. The Broadway commercial district, top-rated schools, Almond Park, fitness centre and more are just steps away.

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How to Save Time and Money with These 10 Grocery Delivery Services

Even with the extra costs, here’s how grocery delivery services could save you money.

grocery delivery services

My family is fairly frugal when it comes to groceries. We don’t clip coupons or always shop sales, but we do come in well under the USDA’s moderate-cost food plan. However, a couple of years ago, we ran into a super-busy patch. We were renovating a home, both working full-time, and raising a preschooler.

We just kept running out of time to get to the grocery store. And when we did, our local Aldi (which is usually our favorite) would be out of several of the major components of our weekly menu. This meant a second or even third grocery store run over an already-packed weekend.

Or if we just didn’t get around to shopping on the weekend, we’d wind up scraping the bottom of the proverbial barrel for food for a couple of days. After that, we’d just get take-out for dinner, and we’d both eat out for lunch. For a couple of months, we spend way too much on dining out.

Instead of beating ourselves up about our ultra-busy season of life, we decided to turn to grocery delivery services. Yes, the groceries aren’t as cheap (and sometimes aren’t as high-quality) as what we’d find at Aldi. And, yes, we pay a delivery fee. However, having groceries delivered on a regular basis wound up saving us significant money because we didn’t have to eat out nearly as much.

And since I first published this article in 2016, more and more grocery delivery and shopping services have come on board. Some of them are even cheaper than the originals. Read on for ideas of ways to save with grocery delivery services.

Our Grocery Delivery Experience

When we started looking at grocery delivery services, a couple of major local options popped up: Grean Bean Delivery and Peapod.

Green Bean is great in that they offer mainly organic, locally-sourced foods. They’re not so great in that their prices are quite a bit more than what we normally pay. Plus, you have to set up a standing delivery date and a box of produce that comes with each delivery. It’s a little like a Community-Supported Agriculture (CSA) share, but year-round.

Peapod offers a wider variety of foods, including organics but also traditional and packaged foods. Their produce quality is okay, though not the highest we’ve ever seen. But their prices are reasonable. Since they offer many items in their own off-brand name, we wound up paying only a small premium for the privilege of not setting foot in Aldi for weeks at a time. Plus, I could put in an order on a Monday and have it delivered on a Tuesday, if I needed to. There was no need for a standing delivery day.

For a while, we used Peapod more weeks than not. Sometimes we’d end up with leftovers to spare for the next week. Then we’d just make a quick grocery run for a few basics and skip the Peapod delivery.

But once we had our groceries delivered, our “let’s just get pizza tonight” blues largely went away. We still didn’t like to cook every single night, so we ate out occasionally. But we no longer defaulted to eating out because the only thing in the fridge was a head of wilted lettuce and a half-empty carton of almond milk.

With our experience with Peapod, we’d spend about $100 more on groceries each month, including delivery fees. But we also didn’t come home with random grocery store purchases we didn’t need. And we ate more healthy foods and ate out much less frequently.

And, of course, those dollar amounts didn’t necessarily capture the time we save, either. Grocery shopping usually took my husband two or three hours on the weekend, by the time he’d get to the store, get through the list, and drive to a second store to finish up. Now, we have that time back to get projects done on our home, hang out with our kids, or simply relax. And that is priceless.

Is it for You?

I’ve talked to lots of friends about grocery delivery. Some would like to try but others prefer to shop once a month at Sam’s Club or nearly every day for fresh meat and produce at the local market. So grocery delivery definitely isn’t for everyone.

However, if you’re a single parent or a two-income household, I’d highly recommend checking out delivery services. It’s even great for moms of tinies since everyone knows weekly grocery shopping trips with a fussy baby and grabby toddler are basically a form of torture for parents everywhere.

When considering whether or not a grocery delivery service is right for you, ask yourself the following questions:

  • How important are bargains to me? You’ll find that delivery services do offer some sales, but they may not match what you can get at your local store. To find out, you can just create an account and make up a cart of things you’d normally buy. See what the cost differential is, and go from there.
  • How much will I pay for delivery? Below you’ll find a list of larger grocery delivery services and their delivery fees. You’ll often find that the more you spend on groceries, the less you’ll spend on delivery. Or you may be able to save by having your groceries delivered at off-peak times, like certain weeknights or late on weekends.
  • How much time will this save me? Even if a delivery service won’t save you much money, think about how much time you spend grocery shopping in a week. Then figure out what that time is worth to you. If you’re squeezing shopping into an already packed schedule, freeing up just two or three hours a week can make a huge difference.
  • Will this save me money in other areas? Even if you’ll wind up paying a premium for your groceries, will a delivery service keep you (like it did me!) from eating out for lunch and dinner on a regular basis? Look at your dining out spending for the last couple of months if you need a reality check here.

If you decide to try a delivery service and are in the market for one, ask yourself these questions as you find the right delivery service for your needs:

  • Which grocery items do I need to access? If you’re always running out of basics like bread and milk, you can probably get those anywhere. But think about other particulars, like organic or local foods. Many services specialize in these types of items, and those may be a better fit if that’s important to you.
  • How often do I want a delivery? Check out the options for standing deliveries vs. ad hoc deliveries. As I said, we prefer to wing it, as our needs change from week to week. But standing services could offer a discount on basics (like Amazon’s Prime Pantry service can do) and could be a better fit for you.
  • Can I be home to take the delivery? Some services, such as Peapod, will leave your groceries on your porch or at another location if you can’t be home. This can be helpful if you work a crazy schedule. Just beware! Peapod delivers their groceries in iced-down coolers packed in cardboard boxes. They can take up a lot of space in your home, and you have to keep them around until your next delivery driver can pick them up. We found this a pain and now only schedule deliveries when we’ll be home to meet the driver.

10 Large Grocery Delivery Services to Consider

Consider this list a jumping off point, as most localities have smaller services that may be a better fit for your needs. Before you land on one of these larger services, run a Google search for grocery delivery in your area. You might be surprised what pops up!

1. Peapod

Since this is the service I use, we’ll start here. Peapod currently delivers in Chicagoland, Milwaukee and southeast Wisconsin, Indianapolis, Connecticut, Massachusetts, Rhode Island, southern New Hampshire, New York, New Jersey, Maryland, Virginia, D.C., Philadelphia, and southeastern and central Pennsylvania. They carry a variety of foods, from organic produce to pre-packaged and frozen meals.

Delivery Fees: $9.95 to $6.95, with discounts frequently offered

Minimum Order: $60.00

2. Instacart

This delivery service operates in 42 states and Washington, D.C. You can find their complete list of states and cities here.

Delivery Fees: Free+ – Instacart doesn’t list set pricing, but says that certain deliveries can be free, while others may be charged extra for busy times. Fees are listed at checkout.

Minimum Order: $10.00

3. Safeway

These popular grocery stores offer delivery in Arizona, California, Maryland, Oregon, Virginia, Washington, and D.C.

Delivery Fees: $9.95 to $12.95, with a possible fuel surcharge. (Free for first-time customers.)

Minimum Order: $49

 

4. WeGoShop

This is another service that offers delivery to many locations throughout the U.S. and Canada. You can find out here if they offer delivery services in your area. This service actually relies on local providers and can take advantage of your local grocery store. In fact, you can specify where your shopper should shop for your groceries, including warehouse stores like Costco and Sam’s Club.

Delivery Fees: Variable

Minimum Order: Variable.

5. Google Express

As of late 2016, Google Express was available throughout most of the United States. It piloted in only a few areas, but now serves more states than not. It’s partnering with a variety of grocery and non-grocery retailers, including Kohl’s and Walgreens. So you can actually get more delivered than just groceries with this convenient service.

Delivery Fees: $95 per year or $4.99 to $7.99 per order

Minimum Order: $25 to $35, depending on store

6. Amazon Fresh

Amazon Fresh hit the market around the same times a Google Express, but rather than expanding, it actually contracted services in 2017. But it may still be available in your area. Just visit the website to find out.

Delivery Fees: Amazon Prime Fresh is an add-on to your $99/year Amazon Prime membership, and it costs $14.99 per month

Minimum Order: None Listed

Have you used a grocery delivery service? What was your experience like? Let me know in the comments!

7. FreshDirect

This is a growing service, but it delivers to many U.S. ZIP codes on the east coast. The website is robust and gives you loads of options. It boast that it has a proprietary software that gets your food from the closest possible source.

Delivery Fees: $5.00 to $15.99, depending on location

Minimum Order: $30 to $99, depending on location

8. Costco Same Day

If warehouse stores are your jam when it comes to grocery and household shopping, check out Costco’s Same Day delivery service. You can shop online, schedule your delivery, and get them right to your door. This service is being rolled out in more areas of the country, so check to see if you qualify.

Delivery Fees: Varies

Minimum Order: $35 for same-day

9. Shipt

This service uses your favorite local grocery stores to get your groceries. They say you can expect to spend about $5 more per $35 of groceries, so it’s a relatively small premium. But you can get your groceries in as little as an hour after you order. Right now, they offer services in 16 states. Instead of charging flat delivery fees, they charge a small premium on each item you buy.

Delivery Fees: Free to $7

Minimum Order: No minimum, but $35 to get free shipping.

10. Walmart

Instead of offering delivery services, Walmart now offers free same-day pickup. It’s nearly as convenient and may save you money. They’ll even put the bags in your car for you.

Delivery Fees: None

Minimum Order: None

Besides these stores, you might also check your local stores. One of our favorite local grocery stores now does free pickup orders like Walmart. And smaller grocery delivery and subscription services are kicking off all over the United States. Either way, you can probably find a convenient, affordable service that will save you time and, ultimately, money.

 

Topics: Budget

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How to Estimate the Cost of Auto Insurance Before Buying a Car

Cars are expensive. To help keep costs down, here’s a detailed step-by-step guide on how to get a car insurance estimate before buying your next vehicle. Our guide includes resources to help you get free auto insurance quotes.

car insurance estimate

So you’re thinking about buying a new car? Unless you’re paying in cash, you’re probably up to your ears in cost estimates. How much will your monthly payments be? What about the interest charges for financing the car? And how much can you really afford?

Even if you’re paying in cash for your car, you’re probably swimming in numbers. How much do you have in your bank account? How much can you expect to negotiate? Do you really want to spend your whole savings balance on a car?

Unfortunately, we’re here to add more numbers to your thoughts: the cost of insurance.

When calculating how much car you can afford, it’s common to think only of your car payment. But you also need to look at other costs, including the cost of registration and taxes, the financing costs, and, you guessed it, the cost of insurance.

Car insurance companies account for a variety of factors when they decide how much to charge for your vehicle. And one major factor is the car in question. And it’s not just about the cost of the car. It’s also about things like the car’s make and model, the year of the card, and any additional features the car might have.

Here, we’ll talk about the car-related factors that affect your insurance costs. Then we’ll talk about how to shop for car insurance before you head to the car lot.

Car Characteristics and Insurance Price

So what characteristics of a vehicle affect insurance costs? Here are a few to consider:

  • Price: The more expensive the car, the more expensive it will be to insure. After all, if you have comprehensive coverage, your auto insurer will have to give you the value of your car if you total it. A more expensive vehicle means a bigger payout for the insurance company. And they’ll gladly pass those potential costs on to you in the form of higher premiums.
  • Cost of Repairs: High-end and foreign cars are often more expensive to repair. This is especially true if it takes particular expertise to fix the car in question. So if you’re looking at a car with more expensive parts or specialized labor required, you’ll have higher insurance costs.
  • Age of the Car: Very old and very new cars can be more expensive to insure. Although very old cars are cheaper if you don’t finance them and, therefore, don’t need comprehensive coverage.
  • Driver Assumptions: Unfortunately, car insurers make assumptions about you, the driver, based on the car you choose. Those who drive fast, sporty cars may be more likely to take risks and wind up in accidents. So these cars can be more expensive to insure than family-centered minivans and hatchbacks.
  • Body Type: A car that is larger and heavier is more likely to do major damage in an accident. This can make cars like SUVs more expensive to insure.
  • Theft Statistics: Vehicles that are more likely to be stolen are more expensive to insure. Insurance companies stay on top of theft reports, and which types of vehicles are most popular for thieves to take or attempt to take.
  • Safety Features: Most cars today, even older models, have basic safety features like airbags and anti-lock brakes. But you can get more insurance discounts if your vehicle has additional safety features like a backing camera or blind spot alerts.
  • Anti-Theft Features: You’ll see a discount on your car insurance if the car in question has anti-theft features, such as a built-in alarm system.

These are the types of features to keep in mind when you’re shopping around for a vehicle. In general, choosing a moderately-priced, new-ish sedan with extra safety and anti-theft features will net you much lower insurance costs than choosing a high-priced, cherry-red sports car.

Most and Least Expensive Vehicles to Insure

Each year, Insure.com puts together a list of the most and least expensive vehicles to insure. If you’re particularly concerned about insurance costs, this is a good place to start.

For 2017, the least expensive cars to insure included the Honda Odyssey LX minivan, the Jeep Renegade Sport, the Jeep Wrangler Black Bear, the Honda CR-V LX, and Jeep Compass, and the Subaru Outback. The list of 2017 most expensive cars to insure includes several high-end models from Mercedes, of course. At the top of the list are the Mercedes 365 AMG convertible, Dodge GTS Viper, Mercedes s63 AMG 4Matic convertible, and Maserati Quattroporte GTS.

Maybe you’re already in the market for an Odyssey. If so, great. You know you’re looking at the cheapest car to insure. But if your car isn’t on the most or least expensive list, try the next few steps for estimating insurance costs.

Narrowing Down Your List

So with that in mind, start putting together a list of the vehicles that will work for your needs and wants. You really don’t want to have to run insurance quotes for fifteen different makes and models, though. So, instead, try to narrow your list down to five or fewer makes and models that you’re interested in.

This will, of course, depend on how much you’re planning to spend on a car, how much room you need in your vehicle, and other personal factors. Once you have your list, you can start looking at actual quotes.

Look at Apples-to-Apples Quotes

It can be difficult to find out exactly what a vehicle will cost to insure until you actually purchase the vehicle. After all, you may not know what safety features will be available or exactly how much you’ll pay for the car until you’re ready to buy one. But that doesn’t mean you can’t estimate your insurance costs.

One way to do this is to make a list of all of the top makes and models for which you’ll be shopping. Look at the standard safety and anti-theft features that come installed in those vehicles so you can include those in your quote. Then figure out about what year of vehicle you’ll be looking at based on what you need and what you can afford.

So your list might look something like this:

  1. 2015 Honda Odyssey with brake assist and rearview camera
  2. 2014 Toyota Sienna with rearview camera, lane departure warning, and adaptive cruise control
  3. 2015 Kia Sedona with rearview camera

Then, you’ll want to run these scenarios through a calculator. Hold everything constant–including the type of insurance coverage, your own personal information, etc. But just change the vehicle’s make, model, year, and safety features.

Then, see what you come up with. You can use an insurance quote aggregator like Insurance.com to get several quotes at once. Or you can look at individual insurance companies’ websites and compare their quotes. Make yourself a spreadsheet so you don’t forget the rates you’ve looked at.

You will want to get a variety of quotes, though. Most insurers have different ratings, so a car that’s cheaper in one place may be more expensive elsewhere.

A Quick Example

Really, that’s about it. You just have to figure out what vehicles you’re interested in and then check out insurance rates for those vehicles. But here’s a quick example of running the above-named minivans through insurance.com. I used my own information as a 31-year-old married female living in Indianapolis, just for the record.

I noted that I’m driving the vehicle about 6 miles a day, five days a week. I didn’t add my husband to the quotes, just for simplicity’s sake. And I noted that we own our own home. These insurance policies automatically went to $100,000/$300,000/$50,000 policies. So you’ll want to also make sure you’re getting quotes for the coverage amounts that suit you best.

Honda Odyssey

Toyota Sienna

Kia Sedona

Things to Remember

It’s important to remember, again, that a few changes to your car’s make and model and features could mean dramatic changes in your insurance costs. So when you find a vehicle that you’re really interested in, run the numbers for that specific vehicle. But going through this cost comparison process before you start shopping can help you find a car that is cheaper to insure from the start.

I would also note that insurance aggregators don’t give you access to all insurance companies out there. So you’ll want to look at a couple of different aggregators, and probably look at quotes directly from a few insurance companies that interest you. Check out our list of top car insurance companies in 2018 for a place to start.

Topics: Auto Insurance

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Friday, February 23, 2018

Alma & 10th – Availability, Plans, Prices

Vancouver presale luxury condos at Alma & 10th by Landa Global.

At a Glance

  • located at the corner of Alma & West 10th Avenue
  • 4-storey mixed-use concrete building
  • 32 condominiums
  • 7 retail units at grade
  • 80 underground parking spaces
  • short walk to Broadway commercial district
  • close to top schools
  • near Jericho Beach & Spanish Banks watersports

Aerial detail view of Landa Global's Alma & 10th condominum development in Kitsilano.

Classically-Inspired
Contemporary form transitions into traditional charm to enhance this upscale neighbourhood. Classical lines and columns, large windows​,​ and a dramatic light and dark colour scheme distinguish this four-storey mixed-use project designed by Rafii Architects. The light marble outer structure contrasts beautifully with the sleek, modern backbone of the building, creating an interesting transitional juxtaposition of form which fits in nicely with the elegant and timeless aesthetic and scale of the surrounding neighbourhood.

Perfectly situated to take advantage of everything the city is famous for, there is an amazing array nearby of boutique shopping, intimate fine dining, as well as contemporary casual cafes, pubs, and restaurants to fit any mood or occasion. This great family neighbourhood has many excellent educational resources including private schools like St. George’s and West Point Grey Academy, and well-regarded public schools such as Lord Byng. UBC is next door and transit access to downtown is fast and efficient. Oceanfront recreational opportunities abound from the gorgeous sand beaches at Jericho, Kits, and Spanish Banks where you can swim, relax, take out a kayak or sailboat, or have a picnic.

Pricing for Alma & 10th
Landa have not yet made pricing for Alma & 10th public. Serious buyers are advised to sign up to our VIP list above for priority access to Alma & 10th updates.

Floor Plans for Alma & 10th
The following mix of residences are proposed for Alma & 10th:

  • 29 x 2-bedrooms
  • 1 x 3-bedroom
  • 1 x 3 bedroom + den

Contact me today to discuss availability and plans according to your needs.

Amenities at Alma & 10th
All homes on the second and third floors have enclosed balconies. There is a also a small shared terrace on the second floor. Each of the top floor residences have open balconies with planters and their own outdoor staircase to a private roof deck.

Parking and Storage
Two levels of underground will provide parking for 80 vehicles – including 16 for retail, 6 for visitors, and 3 handicapped – and storage for 46 bicycles – 14 vertical, 33 horizontal. Eight bicycles can be accommodated at grade for visitors and one Class B loading space is proposed. All resident storage is in-suite.

Maintenance Fees at Alma & 10th
TBA.

South elevation rendering of Alma & 10th Vancouver presale luxury condos.

Developer Team for Alma & 10th
With a history extending almost 30 years, and business operations stretching from Hong Kong and the Chinese mainland to the North American market, Landa has built its success on its unique vision, rich experience, genuine quality, and positive enterprising spirit.

Established in 1983, Rafii Architects is a Vancouver architectural firm offering comprehensive services in architecture, urban design, planning, and interior design. Rafii Architects provides client-focused consultation with a collaborative approach to each project. Their reputation is characterized by a proven ability to work with public officials and challenging client programs, while maintaining a timeless and refined design philosophy. Rafii’s extensive portfolio includes many well-received projects throughout the Greater Vancouver area, Vancouver Island, Alberta, and the US with particular recognition for high-rise residential and mixed-use projects.

Expected Completion for Alma & 10th
TBD.

Are you interested in learning more about other homes in Kitsilano, Point Grey, or Kerrisdale?

Check out these great Kitsilano Presales!

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