Saturday, June 20, 2015

A study on the costs of electricity in Ontario

The cost to power and heat our homes is something many Ontario residents pay close attention to. The colder-than-normal winter and news reports about rising electricity prices have made energy costs a top of mind issue in the province.


People want to know why their bills are rising and what governments can do to help. And if they’re feeling a pinch in the pocketbook, many want to know who or what to blame.


Renewable energy, as the relative new kid on the block in Ontario’s energy supply, has shouldered much of the blame in the public debate over electricity costs. But is that blame entirely accurate or is some of it overblown?


This study, based on independent research, breaks down the role that renewable energy plays in home electricity bills, today and in the future, as well as the impact of improved energy efficiency.


The study shows that renewable energy accounts for a relatively small part of residential electricity bills. It also shows that the anticipated reduction in home energy use can offset a large part of the projected increase in electricity prices, which is good news for Ontario residents.


TODAY’S ELECTRICITY BILL


Environmental Defence hired Power Advisory, a respected energy consultancy firm, to explain the average home electricity bill.


In Ontario, our bills are divided into several components:


  • Electricity: This shows how much a customer is paying for electricity per month. It’s made up of two types of charges and can be broken down into different sources of electricity, as shown in Figure 1.Delivery: This is the cost to deliver electricity to our homes, including the price to build and maintain big transmission lines and the smaller-scale distribution into neighbourhoods.

  • Delivery: This is the cost to deliver electricity to our homes, including the price to build and maintain big transmission lines and the smaller-scale distribution into neighbourhoods.

  • Regulatory Charge: This is the cost of administering the electricity system.Debt Retirement Charge: This is to repay the nearly $20 billion in stranded debt accumulated by Ontario Hydro, three-quarters of which came from financially unsustainable nuclear plants.

  • Debt Retirement Charge: This is to repay the nearly $20 billion in stranded debt accumulated by Ontario Hydro, three-quarters of which came from financially unsustainable nuclear plants.HST: This is the Harmonized Sales Tax.

  • HST: This is the Harmonized Sales Tax.

  • Ontario Clean Energy Benefit: This refers to a 10 per cent rebate on electricity bills that was brought in to help offset the impact of the HST.


Example of an average residential monthly electricity

Figure 1. Example of an average residential monthly electricity bill


As Figure 1 shows, all non-hydro renewable energy – solar, wind and bioenergy (energy produced from biological sources) – currently accounts for approximately 9 per cent of the average home electricity bill.


In order to understand our electricity bills today, it’s useful to have a little historical background.


Previously, electricity prices in the province were kept artificially low with the heavy use of tax subsidies. This led to chronic underinvestment in Ontario’s electricity infrastructure, which con- tributed to instability in the power grid.


In 2003, the massive blackout demonstrated how fragile Ontario’s electricity system had become after years of neglect. On the hottest days, the grid was straining to keep up with demand. Since then, Ontario has spent billions to rebuild and modernize our electricity system. The result is our system is much more stable.


A decade ago, Ontario’s electricity system was also very polluting. Coal-fired electricity pumped millions of tons of pollution into the air every year, causing smog and health problems like asthma, lung damage and premature death. And there were some very real costs associated with this. Coal-fired electricity used to cost Ontario an estimated $4.4 billion in health care, environ- mental and financial impacts.


The good news is Ontario’s grid is now coal-free, and the number of smog days has dropped from a record of 53 in 2005 to just two in 2013, which is better for our lungs and the environment.10


Closing the coal plants added costs to electricity generation because it meant replacing them with cleaner alternatives. But it also brought cost savings elsewhere, as the province doesn’t need to continue to pay for things like hospital costs associated with coal pollution. Though it isn’t reflected in our electricity bills, these savings mean money can be better spent elsewhere in our health care system.


Similarly, we don’t see savings on our electricity bills for the improved quality of life that comes with being able to enjoy the summer without the suffocating smog days the province used to experience. But that doesn’t mean the smog-free days don’t have value for Ontarians who now find it easier to breathe on hot days.


It’s clear that Ontario’s electricity system needed investment and the changes over the last 10 years have made it more reliable and less polluting. The costs of that have been felt on our electricity bills each month, while the benefits are felt elsewhere in the economy and in our day to day lives.


As to what energy should replace polluting coal electricity, it helps to compare the costs of different options. Replacing coal electricity with wind energy (which represents the bulk of non-hydro renewable generation contracts now) was in the same cost range as riskier options, like new gas or nuclear plants, which have bigger environmental impacts and unpredictable fuel prices. For example, the Ontario government estimates that new gas generation costs between $85-$296 per Megawatt hour (MWh) and new nuclear generation costs between $87-$143/MWh, while wind energy costs $115/MWh.


In fact, the cost of new nuclear plants would likely be even higher than this. Often, the true costs of nuclear power are partially masked because they don’t include project over-runs.


Your Home Electricity Bill: A study on the costs in Ontario


Previous cost over-runs from nuclear projects are now being paid down through the Debt Retirement Charge. (And operators aren’t fully responsible for all the long-term costs associated with the plants.) In contrast, renewable projects rarely have cost over-runs – another reason why renewables are a good choice for replacing energy generated previously by coal.


HOW ONTARIO STACKS UP


Are Ontario residents being saddled with unfair electricity bills? Each year, Hydro-Quebec benchmarks home electricity costs in major North American cities. As Figure 2 shows, Ontario cities ranked around the middle of the pack in 2013.


Comparative Index of Electricity Prices for Residential Consumers

Comparative Index of Electricity Prices for Residential Consumers


It’s important to note that Ontario’s electric- ity bills are lower than some places with a heavy reliance on coal generation like Alberta, Saskatchewan and Nova Scotia. Residents in those provinces are still dealing with the smog, health problems and health care costs of coal, and paying more than Ontarians for it.


TOMORROW’S ELECTRICITY BILL


Power Advisory, the energy consultancy firm, also modeled the projected breakdown of residential electricity bills between now and 2032. These are estimates based on real 2014 dollars – meaning inflation has been taken into account – and a constant amount of electricity use by the average home of 800 kWh/month. Later, we’ll discuss that this might be an over-estimate of real costs because electricity use is anticipated to decrease per household.


Residential electricity bills will feel an impact when the Ontario Clean Energy Benefit ex- pires in 2015. The average homeowner will see a $15 increase when the benefit expires, yet this change is not the result of the rising cost of supplying or delivering electricity. It’s the re- sult of the expiry of a rebate that was brought in to help offset the impact of the HST.


Over the next few years, more renewable energy production will be factored into electricity costs. While these renewable energy contracts are often blamed for rising electricity bills, they continue to make up a relatively small part of the overall energy supply. Their share of residential electricity costs rise from 9 per cent today to 16 per cent in 2024, and 12 per cent in 2032. In the overall picture of electricity bill charges, this is a fairly small amount.


The anticipated rise in electricity costs for residential customers in the near term is a combination of several factors: the expected removal of the Clean Energy Benefit in 2015, increased cost of supplying electricity and increased cost of delivering electricity. Renew- able energy is responsible for a portion of this, but a small portion.


Ontario had to build new generation as coal plants were phased out, and any new electricity generation source would come with a comparable increase in cost. Choosing renewable energy was not only the cleanest option, but it also insulates Ontario from future increases in fuel costs like natural gas or coal. Energy provided by the wind and the sun will always be free. The same can’t be said for other sources of energy.


TRENDS IN ELECTRICITY COSTS


The projection of future costs assumes that the planned refurbishment of the Darlington and Bruce nuclear plants proceeds as budgeted. However, previous nuclear projects in Ontario have cost an average of 2.5 times more than expected.While the cost of renewable energy is relatively fixed when a contract is signed for a project, ratepayers could find themselves saddled with higher costs than expected if the nuclear refurbishment projects go over-budget as has happened before.


While the cost of renewable energy is relatively fixed when a contract is signed for a project, ratepayers could find themselves saddled with higher costs than expected if the nuclear refurbishment projects go over-budget as has happened before.


Example of an average residential electricity bill in 2024

Example of an average residential electricity bill in 2024


Meanwhile, the Ontario Power Authority predicts that the cost of new solar and wind energy will decrease by 42 per cent and 28 per cent respectively by 2032, while nuclear energy costs will rise. A report from a respected European bank, Deutsche Bank, estimated that solar energy is already cost competitive with other sources of electricity in several countries and is closing the gap in Ontario.


TRENDS IN ENERGY EFFICIENCY


The projections used in Figure 3 (for the price of the average electricity bill a decade from now) assume that over 10 years households will keep using the same amount of electricity as they do today. But this assumption doesn’t fit with current trends toward improved ener- gy efficiency or reflect energy conservation initiatives underway in Ontario. For example, appliances are becoming more and more energy efficient, and smart meters are helping households reduce electricity use. This means that households are likely to use less elec- tricity over time, and this will help offset the increase in electricity rates.


Based on data from the Ontario Power Au- thority, the chart below (Figure 4) illustrates the actual electricity bill costs if households used an average of 20 per cent less electric- ity by 2032. It shows a rise in bill costs when the Ontario Clean Energy Benefit expires, but then a levelling off and gradual decline.


If Ontario households increase energy con- servation and energy efficiency, Ontario bills in 10 years could ultimately return to current levels. That’s why if we work to cut energy waste, the pocketbook pinch for Ontarians will be much smaller than many realize.


The Ontario Power Authority predicts that the cost of new solar and wind energy will decrease by 42 per cent and 28 per cent respectively by 2032.


Residential bill forecast incorporating declining electricity use per household

Residential bill forecast incorporating declining electricity use per household


CONCLUSION AND RECOMMENDATIONS


Rising energy costs are, largely, a fact of life. In the past, knee-jerk decisions to deal with concern over energy costs have created some of the challenges we’re currently facing. False solutions like subsidies might feel good today, but cost even more tomorrow.


The best way to help Ontario residents manage electricity costs is through improved energy conservation. Getting rid of polluting coal electricity and making the much-needed invest- ments in the electricity grid were both necessary, and meant money needed to be spent, whether on renewable energy or other riskier sources. Renewable energy is the best option for our environment, and with the costs of it dropping fairly quickly, it’s becoming more and more appealing for the pocketbook too. Today, renewable energy makes up a relatively small part of residential electricity bills in Ontario. And it will continue to do so into the future.


While there’s no silver bullet to reduce electricity prices, there are steps that governments can take now to make electricity as affordable as possible while maintaining a sustainable and reliable electricity system.


Governments can help households by:


1. Helping homes to become more energy-efficient: Municipal and provincial governments can help Ontario residents retrofit their homes to be more energy efficient – saving electricity and gas costs – with programs like on-bill financ- ing, retrofit grants or allowing costs to be paid back over time through property taxes. Utilities also have an important role to play to encourage home retrofits.


2. Adopting North American leading efficiency standards: Ontario can adopt North America’s most stringent electricity codes and standards for items like household appliances. That way, we know we’re getting the most efficient option on the market when we buy new products.


3. Establishing mandatory home energy audits: Requiring that houses for sale provide a review of their energy efficiency (or lack thereof) allows buyers to know what they’re getting into in terms of energy costs, and provides an added incentive for sellers to upgrade their homes.


4. Establishing a rate assistance program for low-income households:


This program would set a threshold for electricity bills above which the cost is simply unmanageable for low-income households, and provide financial support if bills reach that level.




A study on the costs of electricity in Ontario

Sunday, June 14, 2015

Waterfront Land For Sale - Northern Ontario

Waterfront Land For Sale - Northern Ontario

To see a large site plan click on the picture… 


Georgian Bay – Where the Good Life Is The Way Of Life.


At ICFhome.ca, we know that few decisions are as important as choosing a place to live. So let us share with you, our vision of Cedar Ridge, the place which is is quickly becoming Georgian Bay’s most prestigious address.


Nestled amid a canopy of pines, oaks and maples—blended with a spectacular scenery  of emerald green farmer fields—is a place where dreams of the good life become reality.


ICFhome.ca invites you to be part of the “Woods by the Water” exclusive community, a collection of beautifully forested 1.5 acre lots to build your four-season retreat. Lots include your own direct access to our private sandy Beach Club on the sheltered shores of Georgian Bay, opposite Christian Island.


Less than an hour’s drive from the City of Barrie lies this gorgeous expanse of crystal clear waters ideal for boating, sailing and swimming, a distinct alternative vacation destination to Lake Simcoe, Muskoka, Horseshoe Valley and Collingwood. Come and live in synch with nature and the outdoors in a spectacularly peaceful environment today.


In accord with untouched nature’s enhancement, which offers the lifetime experience of living the traditional way with all the fine luxuries you want, capture the beauty of unchanged environs and enjoy the complete piece of mind far from the maddening crowd of city.


Break free from the polluted and hectic city life and indulge in the luxury of your own country estate.


Each property is laid out in perfect harmony with the nature promising beauty and privacy. A game of soccer with your family, tree climbing with the children, endless hours amongst mother nature. Come let us take you down the memory lane.


In each person’s mind there is a vision of perfect four-season living


At the heart of Cedar Ridge is a natural, unspoiled environment that will fulfill the expectations of anyone for their ultimate dream residence. Here, you will find a sheltered, undisturbed landscape overlooking a secluded channel on the southern tip of Georgian Bay, rich in amenities and spectacular panoramas. For a privileged few, Cedar Ridge will be the opportunity of a lifetime.


This unique development of 500 acres on 7,500 feet waterfront of beautiful crystal clear waterfront on the Georgian Bay shoreline.


Choice of views; elevated vistas, waters edge or wooded lots:



  • 10 Minutes from Lafontaine

  • 20 minutes from Midland

  • 45 Minutes from Collingwood and Barrie

  • 90 Minutes from Toronto (weekend traffic is far less than other destinations such as Muskoka) It’s a much easier drive on a busy weekend compared to most recreational destinations – the last half of the drive (from Barrie to Cedar Point) is largely through picturesque quiet rolling farm country. Click here for more info on Georgian Bay.

The area has a rich history – By 1639, French Jesuits founded Sainte-Marie among the Hurons, Ontario’s first European community, on the Wye River – In the early 1840’s, families from Quebec, attracted by promises of cheap and fertile land, came to the area of Tiny Township and settled in the present site of Lafontaine, just minutes from Cedar Ridge.


Arts, culture, sports and active lifestyle.


The area has thriving art and culture with places such as the King’s Wharf Theatre, the Midland Cultural Centre and local art galleries.  You will find plenty to do in the summer with the local farmer’s markets, many festival such as the annual Festival du Loup, Pow Wow, Canada Day celebrations only to name a few.  In the winter you will keep busy with the many winter festivals in the area and all the outdoor activities nature has to offer.  A very special place for family and friends to enjoy.


Perfect for nature lovers with a diverse selection of plants, animals, birds and aquatic life – the water of the bay is crystal clear. Located at the convergence of the southern and northern ranges of numerous bird species making it ideal for birdwatchers.


Adjacent to Cedar Ridge you can connect with the main snowmobile trail and will find many cross country ski trails.  The nearby Tiny Township Trail system is 22 kilometers long with 13 bridges which crisscross meandering rivers, streams and intersecting concession roads which you can take full advantage all year long hiking, biking, snowshoeing, horseback riding and more.


1832 Square Feet Bungalow: $599,900


Georgian Bay For Sale

Model Shown Already Built


Award winning energy efficient model:


Outside finishes are no maintenance stone and siding.


Inside you will find 3 bedrooms and 2 luxurious bathrooms with soaring vaulted and coffered ceilings. Flooring is made of natural stone and hardwood.


Stone fireplace, custom kitchen, radiant floor heating, on demand hot water heater, HRV, high-efficiency air conditioning, 200 amp service.


At ICFhome.ca, we build more than homes. We build communities. For more than 30 years, we’ve been building communities in picturesque settings where luxury meets convenience, and where neighbours become lifelong friends.


Each ICFhome.ca’s home offers a combination of quality materials and superior design, where every detail is meticulously crafted and every enhancement you select is seamlessly added to create a customized home that is uniquely yours.


For Sale Georgian Bay


energy-efficient-upgrades


 




Waterfront Land For Sale - Northern Ontario

Friday, May 29, 2015

A whole New Way To Build: Insulated Concrete Forms

Insulated Concrete Forms Building is the new-generation of Integrated Building Technology that is vastly superior to traditional stick framing methods.
ICFs are rigid Styrofoam forms that hold concrete in place during curing and remain in place afterwards to serve as thermal insulation for concrete walls.
The foam blocks, or planks are lightweight and result in energy-efficient, durable construction. It is more efficient ways to build homes that are stronger, more comfortable and energy-efficient, while allowing for flexibility of design and lower future maintenance costs.
With ICFs, you can save time and money and get a stronger, more comfortable and more energy-efficient home.
The Following articles will explain the system and hopefully make you think before you chose a method for building your future home. More:
http://www.ontario-home-builder.com/custom-home-builder-insulated-concrete-forms.htm
http://luxury-home.ca/Insulated-Concrete-Form.htm

Saturday, May 23, 2015

6 Ways to Bring Down Your Mortgage Faster

6 Ways to Bring Down Your Mortgage Faster

6 Ways to Bring Down Your Mortgage Faster


A mortgage is likely one of the biggest financial commitments you’ll make; with a quarter of a million dollars on the line and thousands of dollars in interest – it’s important you take the time to understand the optimal way to bring it down faster, saving you thousands of dollars of your mortgage as a result.


While it’s important to always check the terms of your mortgage (to make sure there’s no penalties or fees with some of these tips), the following six tips can help you bring down your mortgage and help you save thousands of dollars in the process.


1. Commit to Making 13 Payments a Year


Making the commitment to pay an additional monthly payment is a sure-fire way to save money on your mortgage. By adding in the 13th payment, the payment is applied to the principal amount of the loan, instead of paying down a portion of interest with minimal impact on the principal.


The total impact of the savings can add up substantially over the years, saving nearly five years off the loan itself. Assuming there is a modest $1200 payment each year, you’ll save almost $47,000 in interest over the term of your loan.


2. Set Up Bi-Weekly Payments


Setting up a bi-weekly payment plan with your mortgage company is another simple way to save thousands of dollars of interest. By making bi-weekly payments you’ll make a collective total of 26 payments – which adds up to a gross amount of 13 months (instead of the 12 payments with monthly arrangements. Similar to the additional monthly payment, you’ll save approximately $47,000 off your term.


3. Save a Larger Down Payment


Not only can the down payment increase the total property allowance you’re allowed to have, saving a larger down payment for the property can also lower the overall mortgage amount you’ll pay. By saving a total of 20% of your total home value, you’ll drop the price down by substantial amounts – instead of increasing the total value of your home.


For example, if you had a property value of $200,000; applying the $40,000 can adjust the value to $160,000 if you apply the total down payment to the value of the loan. Likewise, you could also apply the $40,000 to the home value to $240,000 – which would give a larger portion of the loan, but would substantially increase the interest and overall cost per month.


4. Reduce Your Property Assessment


If you believe your home’s value has decreased over the year, there may be savings at hand if you decide to have the value reassessed by the government. To accomplish this, simply contact your assessor and fight the assessment by asking to have the home re-evaluated.


If in the event your home is determined to be of lower value, the tax assessment will also lower your yearly taxes – which can save you money, depending on your local tax rate.


5. Remove Your Canadian Mortgage Housing Corporation (CMHC) Mortgage Insurance


If the down payment on your home was less than 20% of the total home value, you were likely required to pay Canadian Mortgage Housing Corporation (CMHC) Mortgage Insurance. The insurance is mandated to lessen the likelihood of defaulting on your loan (protecting the lender in the event of a default).


Once you’ve paid down the premium to less than the 80% required of the home’s appraised value, you can petition to have the insurance removed.


There are a few ways the principal value can fall below the 80%; paying down the mortgage loan below the appraised value is one of the methods.


Alternatively, if your home has decreased in value, it may push the payment out of the 80% requirement. Attempting to remove your home’s CMHC Mortgage Insurance may require a new appraisal, but going through this process can save you hundreds of dollars off the monthly mortgage payment as a result.


6. Refinancing Your Mortgage


One of the most common ways to reduce your mortgage is to refinance your mortgage to a lower interest rate. By reducing your rate, you’ll also lower your overall monthly payment – which can help you improve the total interest you’ll have to pay throughout the term of your mortgage.


Although there are typically fees associated with the refinancing, the long-term savings out-weigh the costs of refinancing. With the interest rates being at an all-time low, re-financing is generally a safe bet for anyone looking to save money and bring down their mortgage faster.


Before deciding to implement any of the above tips, it’s important to speak with your mortgage provider prior to making a decision. While most companies are willing to help you implement these methods, some lending institutions do provide fees for these services. Be sure to ask about any fees they have and determine whether those fees are worth it when it comes to implementing them.



6 Ways to Bring Down Your Mortgage Faster

Thursday, May 21, 2015

Home Heating Guide

selecting a heating system

selecting a heating system


After we survived the coldest and the longest winter in recent history, we’re all glad that it’s finally finished and there is relief from bitter temperatures and the high cost of heating our homes.


The really bad news in Ontario is that the Ontario Energy Board uphold big increases for Enbridge and Union gas which took effect Apr. 1st. This means an increase of around $450 per year for the average family home.


Other natural-gas suppliers are expected to also apply for rate increases as they are forced to buy more expensive energy supplies on the open market. Households heating with propane and oil have already experienced a price shock. Propane customers in Ontario saw their home heating bills nearly double in January and February compared with what they were paying in November last year.


Here are some projections from Ontario’s Long Term Energy Plan:


Heating-Costs-Southern-Ontario



Ontario’s climate means that almost two thirds of the energy we use in our homes goes to space heating.


Home Energy Use In Ontario

Home Energy Use In Ontario


No wonder we look to space heating when we think of energy savings


Before you start shopping for a home heating system, remember that significant gains in comfort and energy savings can be achieved quickly and inexpensively by making your home more energy-efficient. Doing so requires a series of relatively simple steps — most important, sealing leaks in the walls, ceilings and floors, and around doors and windows.


After the building has been sealed up, it’s time to pile on the insulation. Significant energy savings call for generous amounts of insulation that exceed current code requirements. Like caulk and weatherstripping, insulation not only reduces energy bills in winter, it also reduces heat gain in the cooling season, helping you slash your fuel bills while keeping you comfortable.


Ontarians have many heating choices: furnaces, heat pumps, boilers, solar or baseboard heaters—and a pick of different energy sources, e.g., gas, propane, oil, electricity or the sun. Some of us even use two or more types of heating and/or energy.






Selection of a home heating system for a new or existing home requires an understanding of how various systems operate, their initial cost, and how much they cost to operate.






Whether or not you’ve buttoned up your house, you can probably save a great deal by upgrading your heating system, either by installing a new high-efficiency system or boosting the efficiency of your present system.


Home Heating Guide – Basic Components of a Heating System


But first, when considering the various options for improving or replacing your heating system, it helps to know some of the lingo. A lot of confusing terms and concepts are thrown around by salespeople or heating system technicians, and you don’t want to get left behind.


Central heating systems have three basic parts: the heating plant itself where fuel is converted into useful heat, a distribution system to deliver heat to where it is needed, and controls to regulate when and how the system runs and when it turns off.


Basic Components of Heating Systems

Basic Components of a Heating Systems






Selection of the most cost-effective heating system will depend on price and availability of differing fuels as well as cost of the ini- tial heater installation. Higher initial investments are often justi- fied by reduced utility costs over the lifetime of the unit.


Types of Heat Sources


Furnaces


Furnaces are one of the most common home heating systems, and they work by blowing heated air through a duct system. Furnaces are typically referred to as “forced-air” heating systems and can run on different types of fuel, but natural gas, oil, and electricity are the most common sources of energy currently available. Furnaces are more energy efficient than ever, but their cost varies based on fuel rates, electricity prices, and energy costs.



Boilers 


Boilers heat water via natural gas, electricity, or propane—although the water doesn’t boil, as the name implies. As opposed to the forced air of the furnace system, most boilers move heat into your home through a radiant heating system like traditional radiators, baseboard heaters, or aluminum panels in a home’s floors, walls, or ceilings.





Heat Pumps


Heat pumps use refrigerant to absorb heat from outside sources—like the air, the ground, or even a body of water—and then use a heat exchanger to transfer it inside. (The exchange of heat can also be reversed in order to cool a home.) The most common kinds of heat pumps draw thermal energy from ambient air or the ground. Heat pumps in general are becoming increasingly popular heating choices for homeowners. Although air-source and ground-source heat pumps may be more expensive than conventional heating systems, they can provide significant energy savings to homeowners who live in temperate climates.


Solar Heating


Solar pace heating systems can be designed to heat the home directly or they can be designed to work in conjunction with domestic hot water systems. The latter will provide higher paybacks as you can use the system to provide hot water in the summer when space heating is not required.


When designing a space heating system it is best if you can store of buffer the energy when not needed, this can be done with a large water tank but a concrete slab such as a basement floor also acts as a great storage buffer. Using solar energy directly without a storage tank of buffer means that heat energy will only be available during the day and a backup heating source will be needed for the evening.


Electric Heating






An increasing number of homeowners with electric base-board heating are switching to other energy sources, such as natural gas, oil or heat pumps, because of the high cost of electric heating. While a major constraint is the lack of a distribution system, many homeowners find that air ducts for a central forced-air system, or pipes and radiators for a hydronic system, can be installed at a cost that still makes the whole conversion financially attractive.


Types of Heat Sources

Types of Heat Sources






Types of Distribution Systems


The majority of Ontario’s new homes and most existing homes have forced air distribution. Registers in each room can be adjusted to control the air flow. Return registers draw air from the rooms through separate ducts back to the furnace to complete the cycle of air flow through the house.


Hot Water (Hydronic) Heating


A hot water heating system distributes hot water from a boiler to radiators, convectors or under-floor heating systems in each room. In older homes, large cast-iron radiators are common. Modern systems feature smaller boilers, narrow piping and compact radiators that can be regulated to provide temperature control in each room. Under-the-floor heating systems can be built into the floors of new and existing homes.


Space Heaters


These have no central heating unit or distribution system. Instead, individual space heaters – such as a wood stove, electric baseboards, radiant heaters or heaters fueled with oil, natural gas or propane – supply heat directly to the room.


For safety, all space heaters except electric ones need to be vented to the outside. An appropriately-sized space heater can supply some heat to all parts of a home if the design of the home allows for natural distribution of heat from the heater location.


Types of Destribution Systems

Types of Destribution Systems


What’s the best option?


It depends. If you’re trying to save energy, understanding the most efficient home heating options is a great start. Households in temperate climates spend a hefty share of their energy budget on keeping their homes warm.


If you are serious about overhauling your current heating system, or building a new home with the most efficient home heating possible, you should start by understanding what different kinds of heating systems are available.


WHAT ARE THE MOST EFFICIENT HOME HEATING OPTIONS?


The most efficient home heating option is to make sure your home is as well insulated and air-sealed as possible to prevent heat escape, and to use as efficient, cheap, or low-carbon a source of energy as possible. Let’s assume you already know how important proper sealing and insulation is, and that you’re going to take care of that no matter what. What are the most efficient home heating choices, in terms of new systems you can install?


Here are the main choices, from most efficient home heating system, to least efficient:


  1. Solar heating

  2. Geothermal heating

  3. Wood heating

  4. Natural gas heating

  5. Oil heating

  6. Electric heating

Note that when we talk about the most efficient home heating choices, we could be talking about efficiency from the point of view of financial cost, environmental cost (greenhouse gas emissions plus other pollutants), or the efficiency of conversion of the original energy source into heat inside your home.


For financial cost we can consider lifetime costs (installation plus yearly energy costs) or just installation or yearly costs.


For energy conversion efficiency (what most people are really interested in when asking about the most efficient home heating system), we can start from the assumption that solar is free, and geothermal is almost free, since up to 4 times as much heat energy is extracted from the ground as the energy in the electricity that pumps the heat out.


 




Home Heating Guide

Monday, May 11, 2015

7 Secrets to Designing Your Dream Home

Designing Your Dream Home

Designing Your Dream Home


Having a custom home built for your next property is a major investment in time and expense, so it’s important that you have it designed to specifications that fit not only your lifestyle but on-going needs too. If you’ve never had a home built before, the decision making can be overwhelming; that’s why we’ve compiled a list of seven secrets you can use now – to design the perfect dream home for you and your family.


1. Start a List of Must Have Items in Your New Home


Before you start working out the finer details of your home’s build, it’s important to consider which elements are absolutely unforgiving in the layout and which items are more flexible in terms of the overall design.It’s important to consider the natural flow you’re hoping for within the home too; do you want an open concept plan or something more traditional? Do you require a single, spacious area or would you rather have a private dining room for family functions? Grab a piece of paper and start writing out the pros and cons of each idea – to see what works best within your family. Likewise, determine how many bedrooms you’d like the home to have as well, taking into consideration any future family additions down the road.


2. Daydream About the Final Product


Take a look through various magazines, websites and photographs of different styles of homes – noting what you like and don’t like about each of the rooms you see. Pay attention to the colours, floor plans, finishing materials and design—as these can help you shape your custom home build too. If you find something you love, save the image to show your builder – especially if you’d like to replicate the image. The builder can let you know whether the design will match well with the current floor plan or whether they’d need to accommodate your request in a different way (such as reducing the cabinets in the kitchen, if space is limited).


3. Think About the Big Picture


Many home owners think solely of their current situation (family and children, finances, finishes) that they forget to plan for the future too. When you’re planning your home, it’s important to remember that life’s circumstances change quickly – whether that means having more children or caring for an elderly parent. Discuss important details about future events with your builder; like adding an in-law suite into the basement or roughing in an additional bathroom downstairs. These are all items that can save you money long-term, instead of adding them in later.


4. Upgrades During the Build Means Less Improvement Later


When you’re planning your custom home build, it’s important to remember that the home is built to your specifications and requirements. Often times, home owners opt for a cheaper finish (laminate over granite, for instance) with the idea of changing it at a later time. This mentality is backwards of what should happen; opt for upgrades which can be enjoyed throughout the years – instead of setting yourself up for additional work down the road. The last thing you’ll want to do is remodel your kitchen in five years, when you finally want the granite.


5. Know Your Budget and Compromise on Design


Looking at your list of must-haves, determine which items are the most important. While having a custom stone bathroom might be a nice feature, sacrificing a fourth bedroom to achieve it is impractical. Consider which of the items on your list would offer the most benefit to your family and make sure you have those items in place. Once you’ve narrowed your options down, reassess your budget to factor in any upgrades you’d still like to have – within a price you can afford.


6. Talk to Your Builder About Specifications


An experienced home builder has seen hundreds of homes developed and built throughout the years; trusting his opinion on design and floor planning is a wise decision. If you’re not sure of the optimal finishes for durability or longevity, ask his opinion. He’ll give you a fair assessment of different materials, giving you the tools you need to make a final decision.


7. Determine the Costs of Upgrades Over Time


Looking at the individual costs of upgrades can scare even the most experienced home developer – but it’s important to understand these costs only offer a small picture of the home. When you’re having a custom home built, you’ll be building a home to your ideal design and specification – meaning you’ll have less overall renovation requirement down the road.Many times, the costs of high-end upgrades (like commercial appliances in the kitchen or floor heating) can have a minimal impact on your final purchase price of the home. This means your monthly mortgage payment might increase by a few dollars at the end of the build – instead of paying the expenses in a lump sum.



7 Secrets to Designing Your Dream Home

Friday, May 08, 2015

Insights From the Mind of the Homebuyer

Infographic-Insights From the Mind of the Homebuyer

Infographic-Insights From the Mind of the Homebuyer


As the busiest homebuying season of the year gets under way, potential buyers are poised to get off the sidelines and enter the market.


According to Chase’s national survey “Insights: From the Mind of the Homebuyer”, potential home buyers say they aren’t concerned about navigating the home-buying process, but a deeper look shows that their anxiety about the homebuying process is high. In fact, interested buyers are considerably more anxious about the buying process (70%) than they are about getting a root canal (64 %) or public speaking (62 %).


Homebuyers are optimistic that it’s a good time to buy but they anticipate challenges. Besides interest rates, Chase’s survey found that interested buyers are concerned about finding the home they want within their budget. Three out of four buyers are worrying about beating out the competition to get it.


Only one in four interested buyers correctly answered a series of questions about home buying, including how annual percentage rates work, how much should they put down for down payment, and how credit scores work.


The majority of interested buyers (62%) think that now is a better time to purchase a home compared to last year and plan to purchase the new home in the next 18 months. Top reasons they want to buy now include rising rental costs and historically low interest rates.


Clip Art Graphic of a Yellow Residential House Cartoon Character


Whether shifting from renting to buying, or upgrading from their current home, potential homebuyers want to make a move before interest rates begin to rise, as some analysts predict.


As for their motivations for buying, 32% attribute it to current low mortgage rates. Another 35 percent said if 30-year fixed mortgage rates were to rise above 4%, it would delay their purchase. An additional 20 percent said upgrading from their current home was their motivation for buying.


The survey also revealed insights into homebuyers’ concerns and challenges.


The majority of potential homebuyers are concerned about finding a home that fits within their price range (56%) and that’s located in a quality neighborhood (56%). Buyers are clearly worried about housing inventory and rising prices, especially during the competitive spring buying season,” But the research also shows that interested buyers are optimistic and ready to act on their goals.


Quick stats from the “Insights From the Mind of the Homebuyer” survey:


  • 43 percent of potential home buyers feel that getting a mortgage will be easier this year.

  • 56 percent say they are concerned about finding a home that fits within their budget and that’s located in a quality neighbourhood.

  • 32 percent want to buy soon in order to take advantage of low rates;

  • 35 percent say that 30-year fixed mortgage interest rates rising above 4 percent would delay their decision to buy

  • 20 percent say the rising cost of rent is their number-one reason to buy

  • 20 percent say the desire to make an upgrade from their current home was their top reason to buy

  • 70 percent of those surveyed said they thought they may have missed their opportunity to buy already, as home prices are increasing.

  • 3 out of 4 homebuyers are concerned their offer will be outbid by others

  • 73 percent said they’d give up things like eating out and taking vacations in order to buy their dream home.”

  • 42 percent say they aren’t at all concerned about lacking understanding of the mortgage process.

In addition, the survey revealed tensions among homebuying couples:


One-third of homebuying couples have been bickering with their partner during the process. One reason for the spats may be the budget.


Men and women differed in their feelings on how important it is to stick to the budget; about half of women (49 percent) say they are more conservative than their partner and don’t want to go beyond their agreed-upon budget, while 39 percent of men say they are less conservative than their partner and are willing to push their budget limit to get the home they want.


 


 


 



Insights From the Mind of the Homebuyer

Wednesday, May 06, 2015

10 Coolest Automation Products for Your Home

Post and Beam Homes


Home automation products, while not new, haven’t gained widespread adoption. However, interest continues to build. Among all consumers, 48% said they were either “extremely or somewhat interested” in purchasing home automation products. Among smartphone and tablet owners, the numbers are higher with 62% of consumers saying they are “extremely or somewhat interested” in purchasing.


With families becoming busier than ever, it’s important to stay on top of the newest advances in making our lives simpler. That’s why we love discovering new products that offer innovative solutions to constantly being on the go. Here are the top ten automation products for your home that we think you’re going to love.


1. Home Control Systems


These automated systems work perfectly with almost any device that accesses the internet – making them an accessible product that makes life simpler. They typically come with built in features that help keep your home safe and secure while you’re not home. You’ll be able to access your home’s lights, alarm system, thermostat, security cameras and door lock systems – using an online portal (like a smart phone or computer).


iPad Home Control System

iPad Home Control System


2. Automated Light Switches


Perfect for outdoor lighting systems or virtually any room in the house, these automated light switches make the perfect accessory to an individual on the go. Simply access your app with any device compatible with WI-FI and turn your lights (or electronics) on or off effortlessly. Pay attention to the programming requirements for the automated light switches – some require an Apple product, where others allow basic WI-FI access to use.


Automated Light Switches

Automated Light Switches


3. Wireless Camera Monitoring Systems


Long gone are the days of installing large clunky security cameras; new wireless security and monitoring systems take only seconds to set-up and offer exceptional viewing capacity. With automated recording, two-way talk, scheduling options and comprehensive software – these cameras can help keep your home safe and secure, even when you’re thousands of miles away.


Wireless Camera Monitoring System

Wireless Camera Monitoring System


4. Automated Thermostat Products


Although programmable thermostats have been around for a long time, new wireless options are making home comfort a top priority. New systems have been designed to control and monitor the temperature in your home based not only on a set degree – but on the indoor and outdoor temperatures and humidity levels too. This helps regulate the actual temperature, giving a better climate control over all.Systems also work with most smart phone systems, meaning you can adjust the temperature inside your home, from virtually anywhere.


Automated Thermostat

Automated Thermostat


5. Automated Electronics with Motion Sensors


Control your home electronics and appliances by using movement as the switch. By installing a motion sensor switch, your home will only use the items (like a television or light) when you’re in the room. You can use the system to arrange lights to turn on when you arrive home – without having to fumble in the dark or turn off a fan or appliance when you leave.


Automated Electronics with Motion Sensors

Automated Electronics with Motion Sensors


6. Electronic Door Lock System


Never worry about forgetting your key again with new automated door locking systems. These systems install much like a traditional deadbolt, however you’ll also receive a wireless ability to lock and unlock your door with a simple touch (provided you have your smart phone with you.) Most systems also work on a key fob system, which is ideal for families with children needing to let themselves into the home.


Electronic Door Lock System

Electronic Door Lock System


7. Automated Kitchen Appliances


For families on the go, finding the time to eat together can be nearly impossible. Factor in the time it takes to prepare and cook the meal – and it can be a lengthy process. That’s why new improvements to everyday kitchen appliances are so important.New appliances are programmable to work with your smart phone – adjusting the temperature, cooking time, starting and stopping the appliance—all with the touch of a button. You won’t have to worry about hitting traffic on the way home, or over cooking your pot roast again.


iCofee More Than A Cup Of Joe

iCofee More Than A Cup Of Joe


8. Smart Energy Switches


Much like the automated light switches, automated energy switches can be controlled with most smart phones or electronics with WI-FI access. You’ll be able to log into the software or app and automatically turn off the power to any device that is plugged into it – saving you costly wasted energy throughout the year.


Smart Energy Switch

Smart Energy Switch


9. Automated Smart Cam Products


If you’re stuck at the office have peace of mind throughout the day with an automated camera system. They can be installed virtually anywhere within the house – connecting you to a live-time view of your home while you’re away. You’ll be able to check in on the kids, pets or property from virtually anywhere with an internet connection; using audio and motion detection and two-way talking options too.


Automated Smart Camera

Automated Smart Camera


10. Lawn Maintenance and Irrigation Systems


Whether you’re on vacation or simply don’t have the time to maintain your grass on a daily basis, automated lawn care systems are easily installed for home owners on the go. With the ability to set the time and duration of watering – you’ll never be left with burnt grass again. Most systems include pop-up style irrigation systems meaning you’ll never trip over sprinklers again when you’re outside enjoying the sun.


Lawn Maintenance and Irrigation Systems

Lawn Maintenance and Irrigation Systems Control



10 Coolest Automation Products for Your Home

10 Coolest Automation Products for Your Home

Post and Beam Homes


Home automation products, while not new, haven’t gained widespread adoption. However, interest continues to build. Among all consumers, 48% said they were either “extremely or somewhat interested” in purchasing home automation products. Among smartphone and tablet owners, the numbers are higher with 62% of consumers saying they are “extremely or somewhat interested” in purchasing.


With families becoming busier than ever, it’s important to stay on top of the newest advances in making our lives simpler. That’s why we love discovering new products that offer innovative solutions to constantly being on the go. Here are the top ten automation products for your home that we think you’re going to love.


1. Home Control Systems


These automated systems work perfectly with almost any device that accesses the internet – making them an accessible product that makes life simpler. They typically come with built in features that help keep your home safe and secure while you’re not home. You’ll be able to access your home’s lights, alarm system, thermostat, security cameras and door lock systems – using an online portal (like a smart phone or computer).


iPad Home Control System

iPad Home Control System


2. Automated Light Switches


Perfect for outdoor lighting systems or virtually any room in the house, these automated light switches make the perfect accessory to an individual on the go. Simply access your app with any device compatible with WI-FI and turn your lights (or electronics) on or off effortlessly. Pay attention to the programming requirements for the automated light switches – some require an Apple product, where others allow basic WI-FI access to use.


Automated Light Switches

Automated Light Switches


3. Wireless Camera Monitoring Systems


Long gone are the days of installing large clunky security cameras; new wireless security and monitoring systems take only seconds to set-up and offer exceptional viewing capacity. With automated recording, two-way talk, scheduling options and comprehensive software – these cameras can help keep your home safe and secure, even when you’re thousands of miles away.


Wireless Camera Monitoring System

Wireless Camera Monitoring System


4. Automated Thermostat Products


Although programmable thermostats have been around for a long time, new wireless options are making home comfort a top priority. New systems have been designed to control and monitor the temperature in your home based not only on a set degree – but on the indoor and outdoor temperatures and humidity levels too. This helps regulate the actual temperature, giving a better climate control over all.Systems also work with most smart phone systems, meaning you can adjust the temperature inside your home, from virtually anywhere.


Automated Thermostat

Automated Thermostat


5. Automated Electronics with Motion Sensors


Control your home electronics and appliances by using movement as the switch. By installing a motion sensor switch, your home will only use the items (like a television or light) when you’re in the room. You can use the system to arrange lights to turn on when you arrive home – without having to fumble in the dark or turn off a fan or appliance when you leave.


Automated Electronics with Motion Sensors

Automated Electronics with Motion Sensors


6. Electronic Door Lock System


Never worry about forgetting your key again with new automated door locking systems. These systems install much like a traditional deadbolt, however you’ll also receive a wireless ability to lock and unlock your door with a simple touch (provided you have your smart phone with you.) Most systems also work on a key fob system, which is ideal for families with children needing to let themselves into the home.


Electronic Door Lock System

Electronic Door Lock System


7. Automated Kitchen Appliances


For families on the go, finding the time to eat together can be nearly impossible. Factor in the time it takes to prepare and cook the meal – and it can be a lengthy process. That’s why new improvements to everyday kitchen appliances are so important.New appliances are programmable to work with your smart phone – adjusting the temperature, cooking time, starting and stopping the appliance—all with the touch of a button. You won’t have to worry about hitting traffic on the way home, or over cooking your pot roast again.


iCofee More Than A Cup Of Joe

iCofee More Than A Cup Of Joe


8. Smart Energy Switches


Much like the automated light switches, automated energy switches can be controlled with most smart phones or electronics with WI-FI access. You’ll be able to log into the software or app and automatically turn off the power to any device that is plugged into it – saving you costly wasted energy throughout the year.


Smart Energy Switch

Smart Energy Switch


9. Automated Smart Cam Products


If you’re stuck at the office have peace of mind throughout the day with an automated camera system. They can be installed virtually anywhere within the house – connecting you to a live-time view of your home while you’re away. You’ll be able to check in on the kids, pets or property from virtually anywhere with an internet connection; using audio and motion detection and two-way talking options too.


Automated Smart Camera

Automated Smart Camera


10. Lawn Maintenance and Irrigation Systems


Whether you’re on vacation or simply don’t have the time to maintain your grass on a daily basis, automated lawn care systems are easily installed for home owners on the go. With the ability to set the time and duration of watering – you’ll never be left with burnt grass again. Most systems include pop-up style irrigation systems meaning you’ll never trip over sprinklers again when you’re outside enjoying the sun.


Lawn Maintenance and Irrigation Systems

Lawn Maintenance and Irrigation Systems Control



10 Coolest Automation Products for Your Home

Monday, May 04, 2015

8 Ways to Get Cheap Financing for Your New Home

Financing For Your New Home

Financing For a New Home – Can we afford it?


Purchasing a new home takes a major commitment; especially when you’re trying to finance the home as cheaply as possible. Banks and lenders seem to be all over the board when it comes to interest rates and amortization periods – making your decision a tough one.


Fortunately, we’ve compiled eight ways to secure cheap financing for your new home. Follow these tips before securing your lender, if you’re hoping to save some money on your mortgage.


1. Make sure your credit score is excellent.


The key to securing low interest financing starts with your credit score; looking at not only your total debt ratio but your employment too. That’s why it’s critical to stay on top of any changes to your credit – reporting them immediately if they’re found incorrectly on your report.


Accidents within your credit report can and do happen – whether that’s a mix up in reporting or a forgotten account that’s gone to collections. Take the time to go through your report and fix any outstanding issues before you try and find a lender.


2. Create a Sizable Down Payment


Banks and lenders like to see commitment from their customers – which starts with the long-term savings goal. Instead of opting for the standard 3.5% down payment, aim to save 20% of your home’s value.


Invest the savings into a high-interest account that remains untouched over a period of time for the maximum return on your investment. It’s important to remember that while saving the money for a down payment might be difficult; showing the lenders you’re committed to purchasing a home is the ultimate goal.


By having the 20% of the value, you’ll not only show the banks your commitment to your debts, you’ll also reduce the overall mortgage costs too. This means you’ll have less mortgage payments, lower interest on the loan and a higher likelihood of securing financing.


4. Consider Long Term Mortgages


Although amortization periods can be as little as 5 years, if you’re willing to extend the repayment period to 30 years – you’ll pay a lower amount of money per month than the shorter time frames. The draw back to extending your term is paying a higher interest rate total on the mortgage amount.


5. Build Loyalty with a Bank or Lending Institution


Having other services with a lending company shows a long-term commitment with the company overall, which many banks like to see at the time of approval. By having other services (like short-term loans, banking accounts, or insurance) with a banking or financial institution, they’ll be able to see your long-term history through the accounts. Short term loans can also give them a bigger picture on your payment history as well – so make sure any payments are current and up-to-date.


6. Look Beyond the Interest Rates


If you’re looking to secure cheap financing it’s important to look past the interest rates of the loan. Many times, it’s not necessarily the interest that will affect your overall payment; it’s the additional fees that can add up quickly. Read through the contracts carefully, looking at underwriting costs, document preparation fees and any other costs within the contract. Compare the total monthly payment (or mortgage amount) with some other lending institutions.


7. Be Honest on Your Loan Applications


It’s important to be open and honest with a lending company – especially if you’re trying to secure a mortgage. Avoid inflating your monthly income, savings accounts, investments or the like – it’ll only cause you problems when it comes time to an approval.


Lending companies like seeing a clear ability to pay down the debt; looking at the total picture of repayment, instead of specific numbers. Lending institutions also like seeing stability with employment, showing a regulated monthly amount coming in every month too.


Make sure that you’re honest about how long you’ve worked for a company, as they’ll pull your information up on the credit report (or through CRA websites). Make sure you’ve been consistently working for the last 24 months to improve your chances of approval – and receiving cheap financing. Fudging your monthly income or inflating the amount of time you’ve been with a company can result in delayed approval, or an automatic rejection.


8. Find a Co-Signer for the Mortgage


If you’re finding it difficult to secure cheap financing, consider asking a friend or family member with amazing credit to co-sign on the application. Many times the additional applicant can help improve the overall credit allowance, giving you a higher approval rate than using a sole income alone.


It’s important to remember, however; the person co-signing on the loan will be responsible for the debt in the event you default or declare bankruptcy. Make sure you have a clear guideline of how much you can afford (even if you’ve been approved for more) to limit the risk of defaulting.



8 Ways to Get Cheap Financing for Your New Home

Thursday, April 30, 2015

The Need for Energy Efficient Homes

Energy Efficient Homes


Flying Cars or No Flying Cars, the Future Needs Energy Efficient Homes


Our planet will be a very different place in the coming years. By 2050, Earth will be home to another 3 billion people, of which 70% will live in cities. Although many things about the future are still ambiguous, it is quite clear that there will be many new buildings where people live and work.


Whether flying cars will still be science fiction or a means to get to work every day, energy efficient homes will certainly be a big part of the future. Or at least they should be. Otherwise, the future may not be something to look forward to. The unprecedented rise in energy consumption will reach even bigger heights, risking the sustainability of everyone on the planet.


Ontario contractors who build energy efficient houses are playing a very important role in decreasing energy use. Many homeowners in Ontario know this from experience, as they hired such home builders to construct a beautiful, energy efficient house.


The Major Source of Energy Consumption in Homes


The growth in household wealth, among other things, have increased the demand for bigger houses, and therefore, for higher energy consumption.


The increased use of consumer electronics in modern homes has further increased energy consumption. From kitchen appliances to entertainment systems, there are numerous items spurring the energy consumed in homes today.


People certainly cannot do without such appliances and machines. What they can do however, is look towards energy efficient construction methods. ICF, short for insulating concrete form, is one such home building method that is an excellent way to do just that.


Perhaps the biggest source of energy consumption comes from temperature control. In Canada for instance, there is no way around a heating system in homes. Ontario contractors who offer ICF construction will tell you how you can conserve energy by using insulating concrete for building your home.


What Inefficient Buildings Do


Consume 40% of the world’s energy. That’s what our inefficient buildings are doing. Moreover, they emit more carbon than vehicles and industrial buildings such as factories. This inefficiency creates all sorts of problems for people and the world they inhabit.


A simple internet search will reveal the many effects of increased energy consumption. From rising global warming to shirking supply of drinking water, there is a lot of trouble brewing as a result of energy wastage.


What Home Owners Can Do


Fortunately, there are ways available that can be used to drastically diminish the energy consumed by buildings over the next four decades. Construction technology and techniques exist today that can cut energy consumption by anywhere between 50% and 80%. That is where the work of Ontario contractors specializing in building energy efficient homes shines most brilliantly.


The Three Beneficiaries of Energy Efficient Homes


The Home Owners


A long list of benefits of energy efficient homes built with ICF is enjoyed by the people living in the house. Benefits include:


  • Energy Efficiency

  • Strength

  • Durability

  • Peace & Quiet

  • Comfort

  • Cleaner Air

  • Fire Resistant & Retardant

  • Lower Insurance Premium

It makes sense too. There must be a reason why an increasing number of people are turning to energy-efficient construction methods such as using ICF construction.


The Environment


ICF construction offers the best of green construction. Less energy consumption means a better environment. With ICF requiring 40% less energy for heating, it makes for considerable energy saving.


There are many green, energy efficient home construction techniques and methodologies. ICF stands tall among these with the exceptional energy conservation it offers. So when home owners enjoy their energy efficient house, the environment enjoys them too.


The Government


Energy efficient homes are also a great relief for governments, which always seem to be pressed for energy. The huge energy conservation offered by ICF homes translate into a lot of usable energy made available for many development projects that would be otherwise impossible or difficult to undertake.


So in a way, the work Ontario contractors offering ICF construction helps governments oversee a much cleaner, faster developing nation.


Why Home Owners are the Key


The need for energy efficiency cuts across both residential and commercial buildings. Home owners and commercial property owners need to realize the importance of green construction. However, decisions in companies take time, sometimes too much. Even good decisions get delayed due to the number of people involved, ineffective communication, poor management and several other factors.


Home owners face no such problems. So, while companies are coming around and embracing ICF and other energy efficient constructions models, it is the home owners who have to lead the race away from an energy crisis and towards a better, cleaner environment.


No bureaucracy, no unnecessary meetings, no bean counters; home owners are in a much better position to make the right choice. Capable Ontario contractors are always around to help such home owners whether they are first-time home owners or those looking for a new, better house.


The Need for Builders that Specialize in ICF Construction


Almost every homeowner in Ontario wants the wonderful things that ICF homes offers. Those who are able to enjoy these benefits are who work with Ontario contractors that specialize in ICF construction. These companies know the ins and outs of insulating concrete form and have the expertise and experience to build a strong, energy efficient house.


ICF Home.ca, offers prospective homeowners in Ontario the best chance to own a beautiful, strong and unique home built with insulating concrete form. As one of the oldest Ontario contractors specializing in insulated concrete homes, ICFHome.ca offers a comprehensive home construction solution. Whether it is taking on your entire home construction, handling just the ICF portion, or sourcing hard-to-find energy efficient home components, ICF Home lets you choose how you would like to be assisted in building a great energy efficient home.



The Need for Energy Efficient Homes

Wednesday, April 29, 2015

It's Easy Being Green: Products that Will Save Energy, Water and Money

easy being green

Easy Being Green


With energy and utility costs expecting to rise in the next few years, investing in environmentally friendly products can help you save energy, water—and perhaps most importantly, money. To help you get started, we’ve compiled a list of products that will help you live green.


Energy Efficient Bathroom Items


As much as 65% of all indoor water use occurs within the bathroom. If you’re not using low-water, energy efficient products, you’ll likely wasting thousands of litres of water every year – which can add up financially over time. That’s why it’s important to optimize your home’s bathrooms with environmentally-friendly products; reducing your impact on the environment and reducing your family’s overall water waste.


Low Flush Toilets

Traditional toilets can use up to 18 litres of water per flush – wasting hundreds of dollars per year. In comparison, low-flush toilets are designed to use six litres of water or less per flush, which can add up to substantial savings over time. In fact, the CHMC conducted a study comparing water-efficient toilets to standard ones in a single-family dwelling; the results reported a 68% decrease in water consumption between the two.


Low Flow Shower Heads and Faucets
The average family of three can take approximately 1,000 showers throughout the year; with the average conventional showerhead using 18 to 27 litres of water per minute—the costs can add up quickly. Consider installing a low-flow unit that typically uses 9 to 11 litres per minute, saving thousands of litres per year.


Most showerheads and faucets are based on an aeration technique by adding air into the water stream. This creates an even, full shower spray despite using less water. Low-flow showerheads and faucets come in a variety of styles and finishes, so you’ll be able to maintain the luxurious feel of any bathroom, without wasting water and money.


Energy Efficient Kitchen Items


Opt for new energy efficient refrigerators and freezers when designing your kitchen; ideally choosing a model with an ENERGY STAR for optimal efficiency. In fact, although an ENERGY STAR fridge costs a little more to purchase initially, they’ve generally paid for themselves within a few years.


When selecting your refrigerator, consider the size of your family and the storage requirements you have. The average household requires a fridge between 16 and 22 cubic feet for optimal storage. Selecting a fridge that’s too small can cause overcrowding – which can become inefficient; likewise, a fridge that’s too big will simply waste energy.


If your family requires a deep freezer, opt for a chest style over the upright models. Chest freezers are typically 25% more energy efficient than upright models which will continue to save you money in the long-run.


Energy Efficient Housing Items


High Efficiency Water Heater

Heating water requires extensive amounts of energy, often times heating the entire tank of water to maintain a temperature repeatedly. While this does, in fact, work well for most homes, opting for a high efficiency water heater can save you energy and money. Look into purchasing a per use water heater, which heats the water at the time of use – instead of consistently warming it (for instance, when you’re sleeping or at work). This way, you’ll only use energy to heat water you’re using at that time – instead of around the clock when you don’t need it.


Likewise, you can also insulate any visible water pipes to help eliminate any heat loss as well. By insulating the pipes, you’ll help keep the temperature consistent and use less energy in the process.


Added Insulation for Extra Warmth
If you’re looking to save some money on your heating bill, consider adding extra insulation (like spray foam) to your home’s structure. But adding spray insulation, you’ll be left with a fuller, thicker coverage – keeping your house warm and toasty in the winter by keeping the cold out. Likewise, you can opt to add additional insulation to the attic and basement of your home as well, which can improve the energy efficiency of your home too.


Properly insulating your home can reduce your year-round energy usage by 20-60%, which can add up to considerable savings over time. Likewise, insulation is one of the most cost effective ways to reducing your heating and cooling expenses over time.


Small Changes Add Up to Big Savings


While it might not seem like a lot of changes, making small improvements to your home’s structure and design can add up to considerable savings over the years. As more people understand the importance of living green, the value for homes with these features and qualities can hold or improve the retail value in the event they decide to resell down the road. Combined with the immediate savings you’ll see at the time of installation, having an energy efficient home is a no-brainer.



It's Easy Being Green: Products that Will Save Energy, Water and Money

Tuesday, April 28, 2015

Home Automation - Welcome to the New Age of Homeownership

Home Automation

Home Automation – Run Your Home Wirelessly


Home Automation – What’s Next?


While it was something once seen in science fiction movies and futuristic films, home automation (also known as SMART homes) are becoming an increasing trend as technology makes a greater push into society. With an increasing prevalence in modern home building, smart homes are becoming more common – with the ability to monitor and control various electronic devices from virtually anywhere with an internet connection.


Generally speaking, a smart home automation would seamlessly integrate most devices; lights, security cameras, refrigerators, door locks, sound system, televisions and thermostats – with more technology bringing new wireless technologies as each year passes. As more technological items begin to embrace the wireless capacity, more features will become available for integrating throughout the home.


The Benefits of Smart Homes


While there is obviously the benefit of convenience when it comes to smart home technologies, the benefit opportunity doesn’t stop there. Having the automation process of simple tasks set up throughout the home offers home owners the ability to save time. Whether it’s time they’d rather spend with friends or family, time they’d rather spend at the office or other hobbies – saving time on everyday items helps increase the selling proposition.


Smart homes typically also offer a more energy efficient capacity than standard home builds too. With an automated process, the ability to customize various home processes like temperature control, lighting systems, and water saving features can work to save home owners money on their utility bills, while lowering the overall impact on the environment.


The further development of automation also works to add additional security for the ailing and elderly generations as well – by eventually providing access to monitoring the movements of a relative suffering from mental health issues.


Current Smart Home Devices


While the current spectrum of smart home devices continues to climb, it seems that certain devices have become more popular in the last few years, as they work to establish main-stream capacity in new home builds. These devices can range from individual to individual, but generally work to connect in the following industries:


1. Automated Heating Systems


As utility costs continue to climb more home owners are interested in applying the automation products in their homes. These systems can help an individual monitor the internal temperatures of their home – setting the temperature from anywhere in the world, without having to enter the residence.


Nest thermostat claims to learn from you as you use it, which basically means it remembers your input and will eventually start making changes for you. It learns from you and your home, programs itself automatically, and helps save energy when you’re away. And you can control it using your smartphone, tablet, or laptop. 


2. Automated Lock Systems


With more carrying smart phones and devices, automated locking systems are steadily gaining in popularity. Unlike traditional dead bolt systems, the housing locks are controlled with an electronic release through approved devices. This means that you’ll never need a key to gain access to your home, using wireless key fobs or smart phone devices to gain entrance. This can prove helpful in the event you have hired helpers like a maid, nanny or other service provider needing regular access into the home. For those concerned about power outages, most locking systems include two traditional dead bolt keys – which can be used in lieu of electric devices.


3. Security Automation


With wireless technology brings advancement in security, connecting individuals to their homes and properties –even when they’re at work. This means an ability to stay in contact with their home and families, when you need to monitor what’s happening throughout the day. This also means parents will be able to monitor when their children return home, with visual images, two-way talk and text alerts when the door is open. Most security systems also include an integrated system that works to monitor carbon monoxide, abnormal entry and other optional features as well – sending instant alarms if there’s something suspicious.


4. Automated Lighting Systems


Often pictured in science fiction films, automated lights are becoming more common throughout new house builds – having a system arranged on a schedule or timer, or using motion sensors to trip the lights on/off function when in the room.The automated lights are useful for individuals not wanting to return home to an unlit house (especially late at night) or if they’re planning on taking a vacation and want to keep light on throughout the day for pets (or to deter intrusions).


The Future of Smart Homes


In order to optimize and harness the full capacity of smart home automation, manufacturers will have to work to develop technologies based on common open standards that can link into a cohesive system. When looking at households within North America, finding one specific brand throughout all electronic devices is rare, meaning a brand would need to be able to cohesively work with other competing technologies.


It’s a lengthy process to find a collaborative effort that requires complete communication; one that should be able to sync and work interactively with each other throughout the home. While we might not currently be in a totally automated world, as technology continues to expand, it’s not an unreasonable expectation to see continued growth and development in this spectrum of home building.


Engineers and builders in the process of advancing SMART homes anticipate changes in virtually every feature of the home. It starts with the construction of the home: 3D-printing technology has already been used to successfully make a working gun.

If used in construction, this technology known as Contour Crafting, could completely revolutionize the construction industry.


Windows are also getting smart. They are already making windows and walls that can allow adjustable amount of sunlight, fresh air, warmth, and heat in the home.


In the bedroom, self making beds, artificial sunrises customized to the time in which someone wants to wake up, a suggestions from a computer in the closet on outfits to wear based on the weather, activities for the day, and someone’s style.


Bathrooms will eliminate waste on their own. Showers will remember the temperature each individual in the household likes. Heated floors, lit mirrors and heated towels already exist. Some also predict hair styling devices and toothbrushes that work by themselves to get the best clean for its user.


Kitchen advances will include: faster cooking that can boil water in seconds and cook a full chicken in 15 minutes. The kitchen will be able to take an inventory of items it has and record items it needs,  as well as create personalized diets for each individual within the household.



Home Automation - Welcome to the New Age of Homeownership