We were recently contacted with further information to provide homeowners with facts about the 2009 Home Renovation Tax Credit. Great timing since there have been many interesting questions about what projects, materials, or labour are applicable for this credit.

Image provided by Sico Paints

To view the webpages, visit:   http://www.cra-arc.gc.ca/hrtc/

Below, is the FAQ page content, which hopefully will answer some of your questions about how you can benefit from this tax credit.

Here is the link of the page: http://www.cra-arc.gc.ca/gncy/bdgt/2009/fqhmrnvtn-eng.html

FAQS

1. What is the Home Renovation Tax Credit (HRTC)?

The proposed HRTC is a non-refundable tax credit for work performed or goods acquired in respect of an eligible dwelling.

2. What is meant by eligible dwelling?

An eligible dwelling is a housing unit that is eligible to be an individual’s principal residence or that of one or more of their family members, at any time between January 27, 2009 and February 1, 2010. In general, a housing unit is considered eligible to be an individual’s principal residence where it is owned by the individual and ordinarily inhabited by the individual, the individual’s spouse or common-law partner, or their children. This means that any dwelling that you own and use personally could qualify, including your home or your cottage.

3. What is the eligibility period?

The credit will be based on eligible expenditures for work performed or goods acquired after January 27, 2009, and before February 1, 2010. Expenditures incurred pursuant to an agreement that was entered into before January 28, 2009, will not be eligible for the credit.

4. Who will be eligible for the credit?

Eligibility for the HRTC will be family based. A family will generally be considered to consist of an individual or an individual and his or her spouse or common-law partner, including children who will be under 18 years of age, at the end of 2009. A family will be allowed a single credit that may be shared within the family.

If two or more families share the ownership of an eligible dwelling, each family will be eligible for their own separate credit (i.e. each up to $1,350) that will be calculated on their respective eligible expenditures.

5. How will the credit be calculated?

The credit will only be available for the 2009 tax year and applies to eligible expenditures of more than $1,000, but not more than $10,000, resulting in a maximum credit of $1,350 ($9,000 x 15%).

6. What are eligible expenditures?

To be eligible, expenditures incurred in relation to a renovation or alteration to an eligible dwelling (or the land that forms part of the eligible dwelling) must be of an enduring nature and integral to the dwelling, and includes the cost of labour and professional services, building materials, fixtures, rentals, and permits.

Eligible expenditures must be supported by acceptable documentation.

7. What does the CRA consider to be acceptable documentation?

Documentation, such as agreements, invoices, and receipts, must clearly identify the type and quantity of goods purchased or services provided, including, but not limited to, the following information:

• information that clearly identifies the vendor/contractor, their business address and, if applicable, the GST/HST registration number;
• a description of the goods and the date when the goods were purchased;
• The date when the goods were delivered (keep your delivery slip as proof) and/or when the work or services were performed;
• A description of the work performed including the address where the work was performed;
• the amount of the invoice; and
• proof of payment.  Receipts or invoices must indicate paid in full or be accompanied by other proof of payment, such as a credit card slip or cancelled cheque.

Please consult our Underground Economy Web page, for tips to protect yourself when hiring a contractor.

To verify whether someone is registered for GST/HST, please consult the GST/HST Registry.

8. If I own both a house and a cottage and incur eligible expenditures for both, are both sets of expenditures eligible for the HRTC?

If you own and use your home and cottage personally, eligible expenditures incurred for both properties will normally qualify for the HRTC. Please note that the maximum amount of eligible expenditures you can claim in respect of the HRTC is $10,000 per family.

9. I am planning to replace my windows in 2009: can I hire my brother-in-law to help me out and still be eligible?

It depends. Expenditures will not be eligible if the related goods or services are provided by a person not dealing at arm’s length with the individual, unless that person is registered for the Goods and Services Tax/Harmonized Sales Tax under the Excise Tax Act. So, in your case, if your brother-in-law is registered for GST/HST and if all other conditions are met, the expenditure will be eligible for the credit.

10. Will expenditures for the common areas of condominiums and co-operative housing corporations qualify for the credit?

In the case of condominiums and co-operative housing corporations, the individual’s share of the cost of eligible expenditures for common areas will qualify.

11. I rent out my basement. If I renovate the basement for my tenant, will I be allowed to claim the credit?

No. Individuals who earn business or rental income from part of their principal residence will be allowed to claim the credit only for expenditures made for the personal-use areas of the residence.

For expenditures made for common areas or that benefit the housing unit as a whole (such as re-shingling a roof), you must divide the expense between personal use and income-earning use. For further information, please consult the Business and Professional Income Guide or the Rental Income Guide, as applicable.

12. If an eligible expenditure also qualifies for the Medical Expense Tax Credit (METC), will I be allowed to claim both the HRTC and METC?

Yes. Where an eligible expenditure qualifies for the METC the individual will be permitted to claim both the METC and the HRTC for that expenditure.

13. Will the credit be reduced by other government grants or credits that I may receive for the same expenditures?

No. Eligible expenditures will not be reduced by other government tax credits or grants that the individual may be entitled to.

14. Does work performed by electricians, plumbers, carpenters, architects, etc. qualify?

Generally, work performed by electricians, plumbers, carpenters, architects, etc. in respect of an eligible expenditure will qualify. See below for examples of eligible expenditures. If you’re planning on hiring a contractor to do construction, renovation, or repair work on your home, the Get it in Writing! Web site has information that will help you.

15. Could you provide me with some examples of eligible and ineligible expenditures?

Yes, some examples are:

16. What types of expenditures will not qualify?

The following expenditures will not be eligible for the HRTC:

• the cost of routine repairs and maintenance normally performed on an annual or more frequent basis;
• expenditures that are not integral to the dwelling, and other indirect expenditures that retain a value independent of the renovation;
• expenditures for appliances and audio-visual electronics; and
• financing costs.

17. Do I have to submit any supporting documents with my income tax return?

No. However, you must ensure that this information is available, should it be requested by the CRA.

18. How will I claim the HRTC?

A new line will be incorporated in the 2009 personal income tax return to allow you to claim the credit.

19. Where can I get more information about this new tax credit?

Additional information will be posted on the CRA’s Web site as it becomes available. In the meantime, please see the Department of Finance’s Budget 2009 documents for details.

20. The Budget also mentions the ecoENERGY Retrofit – Homes grant. What is it and how can I obtain more information?

The ecoENERGY Retrofit – Homes grant is administered by Natural Resources Canada. The grant applies to a host of measures that reduce energy consumption and provide for a cleaner environment. Home and property owners could be eligible for federal grants of up to $5,000 to offset the cost of making energy efficiency improvements to their home or property. Most provinces and territories have complementary programs that offer additional financial assistance based on the results of the ecoENERGY Retrofit evaluation. For information on how you can qualify, please consult the ecoACTION Web site.

—

An online pamphlet will soon be available.

—

Planning on some home improvements? What project ideas do you have that fits in the $1000-$10,000 range? Does the HRTC give you the incentive to renovate this year?

Many people have been wondering about the home renovation tax credit and just what exactly it entails.  Information is now available on the Canadian government website, including a pamplet with further details.

Below is a break down of the main points of interest:

What is the time frame during which the credit can be applied?

“…after January 27, 2009 and before February 1, 2010, pursuant to agreements entered into after January 27, 2009.”

For work completed and some necessarily obtained goods!  This credit is for new renovations and ongoing improvements on the residential structure itself, as well as the land it sits on.

What exactly can I get back?

It’s a 15%  credit which can be claimed on an amount which is more than $1000 and under $10,000. The maximum credit that you can obtain is $1350.

What Dwellings are eligible?

* houses

* cottages

* condo units

(must be inhabited or used by the owner)

What Types of expenses can be considered?

* projects (ie: finishing your basement or re-doing the kitchen)

* “associated expenses” (permits, rentals, labour, etc.)

Who is eligible to claim it?

“Taxpayers can claim the HRTC when filing their 2009 tax return…. Family members will be able to share the credit.”

How much thought do you put into your windows? Though they act to enlarge, lighten and even decorate a space, windows are an area that can be overlooked when considering a renovation. A total window rehabilitation is a clever means to improve the overall aesthetics of a house and gain energy efficiency in the process. As seen here, two Albertan family homes are re-vamped with new Design Series windows by Pella.

We take a look at what installing new windows entails, from delivery to the first time they get opened. Watch and see as a breath of fresh air falls over these homes.

Dated windows (left side), such as these circa 1976 plastic frames can give a tired, worn appearance. The owners recently added a new backyard deck, to which the complement of a replacement patio door is a small, but noticeable change. The result is a window that is not just a window, but a feature piece for the house which displays the beauty of real wood. The windows shown here are part of Pella’s Designer Series that feature a triple pane window. A more solid frame also gives additional security to this entryway, for both ease of use and potential break-ins.

Pella’s emphasis on customer service comes through every step of the way. The installation team calls the customer in the morning before 9am to confirm they are on their way, and oncethey arrive on site, they first come to the door and introduce themselves as the Pella installation crew. Before any product is pulled out of the vehicle, the installation team walks the customer through the job, making sure that both the installation members and the homeowner have the same understanding and expectations of how the job will go. Once this is achieved then the crews will start to set up for the job.

During the installation the Replacement specialist will come out for a site visit to see the progress of the job and make sure the customer is happy with the progress.

A full frame installation requires that the team first pull out the existing window and prepare the opening to install a new window. In order to install a new window, two workers are required: one installer installing from the outside and a second installer on the inside. On the interior of the home, drop cloths are used to protect the furniture and floors.

Once the opening is prepared, the new window is inserted. On the inside (seen here), the window is shimmed until level, plumb and square and then foamed with a insulation foam. The Design Series comes with the option of putting the blinds within the panes of glass, which these homeowners gladly chose. This means 200 times less air-borne allergens, making these ideal for households with allergic people, not to mention lessening dusting responsibilities.

From the outside (albeit a different window), a nailing fin is used to ensure the proper placement of the window. It covers the construction and is used to drive nails through in order to secure the frame. When retrofitting, it is possible to leave the nailing fin in place, but for a full installation like this, it is necessary to take out the old nailing fin and replace it fully.

Once the nailing fin has been properly installed, expander and receptor trim is applied to the exterior, replacing the old brick mould or wood trim. On the interior, new casing is applied to finish the window. As shown here, the window is flush with the stucco exterior, seamlessly blending in with the home while also giving it a modern look.

As it is easy to see with the contrast here, changing the windows on a home can make a significant difference in its appearance. Added benefits that aren’t quite as visual include lower energy bills, added solidity and the assurance of quality.

Once all the product is placed, the installers clean the window, using a dry vacuum to remove all debris from the exterior of the house as well. The the installer walks the customer through the house to demonstrate the operation of each of the windows, patio doors, and fully functioning blinds – in all it’s shiny glory.

(Renovator: Pella, Date Completed: June 2008, Location: Edmonton, AB,  Services Performed: 13 designer series windows and a patio slider, Budget: $28,000)

About the Builder

At Pella, our process is focused around the customer, providing them with an experience that is second to none. Pella was recognized as #1 in customer satisfaction by J.D. Power and Associates, North America-wide, and won Energy Star’s Window and Door Manufacturer Partner of the Year for both 2007 and 2008. If you are interested in having your windows replaced please visit us at www.westcan.pella.com, www.pella.com or call 403-292-0080 (Calgary) or 780-484-5622 (Edmonton). If you are outside of Alberta, please go to www.pella.com and enter in your postal code to book an appointment and get the location of your nearest Pella office.

It used to be, find a weed, douse it with a toxin-laden chemical liquid, and bask in the glory of your pristine, green yard. Just don’t step on the cancer-causing grass.

A few years ago I was weeding a cottage yard—dumb, really; cottages should be rustic-looking—when I noticed the bottle of weed killer had a corrosive symbol. “Don’t touch this stuff!” it seemed to scream, “or your hand will melt away.” Which got me thinking: if it’s this bad, this corrosive, should I really be dousing the yard with it?

Luckily, most of us have climbed out of the Middle Ages when it comes to responsible gardening, helped by a growing number of municipal bylaws banning cosmetic pesticides. For most of us this means not stressing over a few rogue dandelions; for others, it means finding new ways to weed.

Of course, horticulturalists have been weeding for centuries, long before the likes of Roundup and other chemical killers, and they did just fine. Like cooking, the key to organic gardening is understanding your ingredients. For example, lemon juice is an effective killer because of its acidity; same goes for vinegar.

Still on the cooking comparison, organic gardening is as much about method as it is ingredients. Unlike synthetic products, these naturally acidic liquids are non-selective, meaning if you spray wildly, you will likely harm your plants and grass as well as the weeds, so be careful to direct your weeding nozzle at the weeds.

Your mowing method is also important. Forget creating a golfing green; high mowing—cutting off no more than a third of the grass—shades out sun-loving weeds and encourages root development tough enough to withstand summer heat waves. As a general rule, don’t cut any shorter than three inches.

Of course, there are a million green-gardening tips and techniques out there; the key is to find what works for your yard and your region. And really, even if a few weeds pop up here and there, is it so bad? Maybe the key isn’t total lawn domination, but a nice, gentle democracy.

Canadians and Americans are different. For every similarity—our love/hate relationship with Celine Dion; our affinity for televised sports, with regional differences, of course — there are differences that clearly make each country separate. And I’m not just talking about Canada’s love for Clamato and the ongoing love affair Americans have with spray cheese. Gross.

But the real difference between America and Canada, at least as far as this blog is concerned, concerns the White House and 24 Sussex Drive. Don’t know what “24 Sussex Drive” is? That’s my point.

This past weekend, the Canadian media reported on the decrepit state of Prime Minister Steve Harper’s abode, pointing out that the 34-room house, built in 1866, is in desperate need of a reno—to the tune of $10 million.

At stake: who will pay for the renos and where will Steve and his family live during the repairs, which include replacing old windows, removing asbestos and installing a sprinkler system. They’re looking at a 12- to 15-month project, and that’s assuming that the subcontractors show up on time.

I simply cannot imagine the White House undergoing such prolonged and publicly debated scrutiny over when and how the “official residence” will be brought up to date; it’s not that the White House has never been renovated—it has, many times—but that Canadian leaders have historically lacked the political will and wallets to authorize big-budget renovations, let alone the cosmetic changes brought in by U.S. presidents and (likely) future leaders.

Of course, all this pales in comparison to the reno headaches suffered by other world leaders. Former Czech president Václav Havel writes in his memoir, To the Castle and Back, about concerns with the Castle’s garden hose, which needs to be lengthened, and the bat inhabiting the vacuum-cleaner closet, all while trying to run a newly democratic country. Talk about gaining perspective.

Sometimes I think Canada suffers from too much democracy; as in, too much debate over how and when things need to get fixed. It’s why there is an excessive number of elections, and a state house in need of the Holmes treatment. In the States, on the other hand, the chain of command means things get done ASAP, which is good when it comes to renos, but not as good when it comes to foreign policy.

No, we’re not the same. But that’s what makes us friends.

It’s that time of year again. No, I’m not talking about yachting season (although, really, boat drinks do deserve a full blog entry of their own). I’m talking about digging in the dirt, the perennial springtime sport of gardeners and deck builders.

Most of us have no idea what’s underneath our lawns and gardens, and unless you’ve dug up a pool or set deep deck posts, why would you? When we need to dig, we dig. Unfortunately, freewheeling digging can leave DIYers knee-deep in more than soil when their shovel accidentally jabs an underground utility line.

Luckily, someone has set up a program to help inform people how to create holes in the ground safely. The Safe Digging Month program, which begins this May, provides a website and U.S.-based national phone number to help homeowners get their utility lines marked before breaking ground. To learn more about the program, click here.

Canadian readers, there’s help for you, too. While there’s no national organization or one-stop website, utility line digging resources abound, so simply type “utility line digging” into Google, along with your location (Moosejaw, Halifax, and so on) and you’re good to go.

Alternatively, of course, there’s a tool that will do the work for you. And with that kind of investment, you may just get inspired to go in search of buried treasure.

Ah, springtime. The melting of snow, the sprouting of tulips, the return to life for many of us … and when I say “us,” I’m not just talking human beings. Spring cleaning can unearth unwanted house guests such as termites and carpenter ants that have been sleeping—that is, burrowing, building nests—in your walls and floors.

According to the Termite Institute, termites are a $5 billion problem for homeowners. Perhaps an even bigger problem, ants—not just carpenter but 10 different species that can threaten homes—are capable of infesting and multiplying at rapid rates. You know what I mean if you’ve ever left a can of pop open outside in summertime, or dropped fruit scraps in the kitchen; in mere hours, ants are at the scene like paparazzi on Britney (another unwanted, gross house guest).

Besides entomologists and Gary Larson fans, nobody wants to talk about pests unless you’re already facing an infestation; however, because termites and ants can strike without warning, even the best-kept homes are at risk.

The Termite Institute and the Ant Institute are trying to change all this by speaking out to homeowners about these pesky pests, providing homeowners with identification, prevention and eradication information. Especially interesting, both websites offer live web cameras that vividly simulate what it would be like if either bug moved in.

If you’ve read this far, you’re either worried about infestation or already dealing with one. Horror stories certainly abound across the Web, from those dealing with ongoing struggles that want to share their knowledge, to notification of goings on Down Under, where admittedly, the bugs look a whole lot scarier. For elimination of termites, the University of Kentucky’s Department of Entomology has a straightforward guide for homeowners, including how to deal with the problem and how to prevent it from happening in the first place.

The University has a similar site for ants, again directed right at homeowners. Why so generous, Kentucky? Maybe it’s all that tasty blue grass.

There are many beautiful stone products available to the homeowner today. How the stone looks, the design aesthetic, is arguably the most important factor in choosing which of these you will use. However, a number of other factors also should be considered. Among these are the purpose of the area being resurfaced, the colour, age, and architecture of your home, your project budget, and the level of maintenance that is acceptable to you.

Local limestone, such as Owen Sound or Credit Valley, either in dimensional or flagstone, is the most popular choice, but, by no means the only one. Granite, either native or imported, is very effective, used in cobbles for a more established old country look, or in flamed slabs for a more polished finish, perhaps for a French garden.

Porphyry is a natural stone we very much like for its unique warm reds, browns and greys. Porphyry is imported from Mexico, but is also available from Italy and Brazil in slightly different colouration. Porphyry has some very ancient and famous applications, including the floor of Solomon’s temple. For more contemporary gardens, the concrete-like appearance of Indiana Limestone is very effective, while New England Fieldstone and New York Bluestone provide a more rugged and colourful appearance suitable to country estates.
Many sandstones are also available. Sandstone is generally solid coloured and is a softer stone, less workable but highly satisfactory in many applications, at a slightly lower cost.

If cost is an issue, there are numerous very good quality engineered stone products. Many of these provide a very attractive finish, particularly in combination with natural stone. For driveway and other heavy-wear applications, these often are more suitable than natural stone.

Whatever stone you choose, a quality installer is crucial to a beautiful and durable finished project. Choose a landscape firm or mason who can show you a great portfolio and a list of happy clients!

Article Provided By Dayspring Fine Gardens

www.dayspringfinegardens.com

info@dayspringfinegardens.com

Posted by Nikki Rollins nrollins@homerenovationguide.com

You have probably heard of a thousand different techniques for stain removal - everyone has been taught something different by their mothers, but certain elements will always help when you find yourself with a stain on your rug. The following is a brief and simple tutorial that should cover the majority of common household stains. Using carbonated water in place of normal water in our experience has more beneficial effects and will not harm the material.

1) Act immediately.
2) Scrape off any solids or lumps with a table knife or spoon.
3) Do not rub or scrub the stain - this may permanently distort the carpet fibres.
4) Soak up the stain with clean white towels or paper towels by pressing on stain. Keep repeating with a fresh towel surface until there are no more stain transfers to towel.
5) For all water soluble stains such as coffee, wine, soft drinks and food stuffs, use Turco-Persian’s Carpet Stain Remover, or mix 1 tsp of laundry detergent with 8 oz of warm water. Dab solution onto stain and repeat above absorption with towelling. Repeat procedure as long as stain is coming out. Be careful not to oversoak rug.
6) When no more stain is coming onto the towel, get a fresh bath towel, fold it 3-4 times in half and place on stained area. Place a telephone book on top of towel. Leave for 24-36 hours.
7) If any trace of stain remains, wipe gently with a mild solution of white vinegar. (i.e. 1 oz vinegar to 6 oz cold water).

FOR URINE

1) Soak up immediately.
2) Dab on straight solution of white vinegar if stain is still wet to neutralize fresh urine.
3) Repeat folded towel procedure as above.

FOR GUM, GREASE, SHOE POLISH, OILY TYPE STAINS

1) Spot clean with odourless mineral spirits (readily available at hardware stores).
2) Put on towel & wipe the spot.
3) Do not soak rug.

Courtesy of Turco Persian Rug Company Ltd - Unbeatable for over a 100 years.

Ceramic tile requires minimal floor care compared to most other flooring types, but there are a few things you need to do to maintain the beauty of the ceramic tile floor.

Wash Regularly
Wash the floor regularly to remove any dirt or grit. Use a mild, diluted household detergent solution. Regular cleaning will help in the prevention of stains and abrasions. After washing with a mild detergent you should thoroughly rinse the floor with clean, warm water every time.

Vacuum Regularly
Sweep, or vacuum your glazed tile regularly. This will help remove larger particles of dirt that could scratch and damage your tiles.

Wipe Spills Immediately
Liquids spills may be wiped up with an all-purpose household cleaner. This will also help the grout joints from becoming discolored from possible stains.

Avoid Ammonia-based Cleaners
Ammonia-based cleaners may discolor some types of colored grout.

Never Wax a Tile
The glazed ceramic finish should never be waxed.

Grout Sealers
Grout joints should be treated with a silicone grout sealer twice a year to help preserve the grout color and to prevent discoloration from spills.

Chris Paulsen
cpaulsen@homerenovationguide.com