Making holiday wreaths from nature's bounty

* photo courtesy Rocky Mountain Wreaths

It's that time of year, when the days grow short, your windows need scraping and your plastic sparkly wreath comes out from storage for its repeat seasonal appearance.

But it doesn't have to be that way.You could start cutting greens in your own landscape and bring the rich evergreen smells of the season into your home.

Simply get out into the garden and cut what you need for table decorations, swags and containers (as long as the plants aren't frozen stiff). If it's pliable, it's cutable.

Freedom is as easy as one, two, three

To be mortgage-free faster, it is up to borrowers to take the necessary steps to accelerate  payments. And it's not as simple as waiting until your lucky six numbers come up in the lotto.  Paying off a mortgage sooner is all about strategy and automation.

Here are three ways to cut your mortgage down to size.

Motion to provide 18-month window under review

Calgary homeowners with existing illegal secondary suites could have an 18-month window to get city approval if a current motion by council is approved.

On Monday, Ward 10 Coun. Andre Chabot suggested establishing a year-and-a-half "relaxation" for homeowners with current suites to meet with city officials and determine if their suites are legal or apply to make them so. After the 18 months, owners would be fined for a first offence.

The motion would also enable city administration to identify legal suites on an interactive map available to the public.

How the future of oil and gas in Alberta will affect Calgary's housing market

The plummeting price of oil is unlikely to affect Calgary's housing market in the immediate future, but a prolonged slump could eventually leave its mark on the local landscape, say Canadian economists.

"If the recent slide in oil prices turns down the migration taps, construction activity could begin to soften again in Calgary," said BMO senior economist Robert Kavcic, noting that, in the interim, Calgary's housing market remains red hot.

Once rundown community emerging as residential magnet

* Old neighbourhoods, new Calgary: A look at some of Calgary's earliest communities and how they're evolving with the times

Once home to the city's early elite, the historic community of Victoria Park is back on the map for Calgary homebuyers.

The Beltline neighbourhood has seen resurgence in its housing market this year, with several newly announced high-profile condo developments complementing a dramatic rise in resale activity over the last 10 months.

Understanding how they affect rates, penalties
Pre-payment privileges are the single-most overlooked aspect of a mortgage by borrowers.  Consumers, for whatever reason, seem to gloss over them as if they are a feature of the  mortgage that will never be used.

However, pre-payment privileges are important. They are what allow a borrower to reduce his or her amortization from 25 years to 10 years. They can also affect interest rates and payout penalties, which is why a better understanding of how they work, is important.