Should I Pay Down My Mortgage or Invest If I Have Extra Money?

What a great problem to have! If you are waking up on the last day of the month to an extra $500 in your chequing account, it might make sense to ask yourself if that money could be working harder for you, earning more than the 0.02% it's earning in your chequing account. Many Canadians face the dilemma of whether to use excess funds to pay down debt or invest. Deciding between paying down your mortgage or investing can feel like a tug-of-war between security and growth. Both options have compelling arguments; the right choice depends on your financial goals, risk tolerance, and priorities. Let’s explore the numbers, benefits, risks, and potential strategies. 


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Calgary in the 1960s: Oil & Infrastructure Boom

Homes, Communities & Opportunity

The 1960s ushered in a new era for Calgary—one defined by rapid modernization, expanding suburbs, and infrastructure investment. As both a real estate expert and builder, I’m intrigued by how this decade laid the groundwork for today’s growth corridors and commuter-friendly communities. From new highways to civic projects, the ‘60s reshaped Calgary—and created lasting opportunities in the housing market.

Economic & Population Growth

Another wave of growth: Calgary’s population rose approximately 50% from 1960 to 1970, driven by the continued oil boom and economic diversification.
Infrastructure investment: Major projects like the Trans-Canada and Queen Elizabeth…

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Inside Calgary’s Newest Communities: Discover Life in Hotchkiss and Beyond

As Calgary continues to grow, so do the opportunities for modern homeownership. From expansive prairie estate lots to walkable urban villages, the city’s newest communities are built around lifestyle, accessibility, and sustainability. Whether you’re a first-time buyer, a growing family, or an investor, 2025 has something exceptional to offer. Let’s dive in.

Use our quick navigation guide below to jump to any point of our blog on Calgary’s Hottest New Communities 2025:  

  • Hotchkiss: Southeast Calgary’s Rising Star 
  • Calgary’s Hottest New Communities
  • New Community Trends to Watch in 2025
  • Smart Home Integration
  • Multi-Generational Living
  • Walkable, Amenity-Rich…

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Calgary in the 2000s: Urban Revival, Condo Living & the Rise of the Beltline

Let me take you back to Calgary in the 2000s—a decade that redefined the city. As someone who’s lived and breathed Calgary real estate and construction for years, I saw this transformation firsthand. It was a time when oil was booming, the skyline was rising, and new communities were emerging faster than ever. Whether you were a buyer, investor, or builder, the opportunities felt endless.

This wasn’t just a period of growth—it was Calgary reinventing itself.

Population Growth, Economic Firepower, and Real Estate Opportunity

From 2001 to 2007, Calgary added nearly 41% more housing units to meet a growing population. Single-family home prices jumped nearly 263%, and…

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Understanding Calgary Property Taxes: A Comprehensive Guide for Homeowners

The Importance of Property Taxes for Homeowners

Property taxes are a fundamental component of homeownership in Calgary. These taxes support essential city services and contribute to the growth and well being of the community. Understanding how property taxes function helps homeowners appreciate their role in maintaining Calgary's quality of life.



Use our quick navigation guide below to jump to any point of our blog on Calgary Property Taxes Explained: 

  • The Importance of Property Taxes for Homeowners
  • City Services Funded by Property Taxes
  • Calgary's Annual Assessment Process
  • Understanding Property Tax: Tax Rate and Bill Calculation
  • Steps to View…

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Rural Living in Alberta: Embracing the Country Lifestyle

Rural living in Alberta offers an unparalleled experience of tranquility, open spaces, and a strong sense of community. Whether you are drawn to the beauty of vast landscapes, the slower pace of life, or the opportunity to reconnect with nature, rural living has something for everyone. In recent years, more people are leaving city life behind in search of the peace and beauty that only rural Alberta can offer. From endless horizons to a tight knit community feel, rural Alberta is becoming a dream destination for those looking for a slower pace and deeper connection with nature. From charming farmsteads to luxurious acreages, Alberta’s rural areas provide a lifestyle rich in rewards and…

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Ongoing Home Costs: A Complete Guide for Homeowners

Owning a home provides great benefits, but it also brings recurring expenses that homeowners must plan for. Beyond the initial purchase, there are various ongoing costs that require careful budgeting to ensure your home remains a comfortable and secure space. Understanding these expenses is key to managing your finances effectively.

Here's a breakdown of the ongoing home costs homeowners need to be aware of:


Use our quick navigation guide below to jump to any point of our blog on The Financial Side of Homeownership: Ongoing Costs: 

  • Property Taxes: Annual Property Taxes
  • Homeowners Insurance
  • Utilities: Monthly Utility Bills
  • How Inflation Affects Home Costs
  • Areas Where Inflation…

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Calgary in the 1950s: Building Foundations—Homes, Neighbourhoods & Opportunity

 

The 1950s were transformative for Calgary—a decade defined by post-war optimism, a booming population, and the birth of modern suburban living. As both a real estate specialist and experienced builder, I’m fascinated by how this era set the groundwork for today’s market. From iconic drive-ins to enduring neighbourhoods, this decade’s influence still shapes our city's identity—and the opportunities within it.

Population Boom & Economic Shift

Calgary’s population more than doubled between 1945 and 1955, fueling a surge in building activity—construction permits soared, and taxable assessments tripled. This rapid growth reshaped the cityscape.

The 1947 discovery of…

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Carbon Monoxide Safety: Protect Your Home, Health, and Family

Table of Contents

  • What Is Carbon Monoxide?
  • Symptoms of Carbon Monoxide Exposure
  • The Dangers of Carbon Monoxide from Vehicles in Garages

The Real Estate Perspective on Carbon Monoxide Safety

From a real estate perspective, homes equipped with up-to-date CO detectors and well-maintained fuel-burning appliances are more attractive to buyers. As the Calgary real estate market becomes increasingly competitive, ensuring your home is safe from CO hazards can enhance its value and appeal. Potential buyers often inquire about safety features and the condition of appliances during showings and inspections. A home that demonstrates a commitment to safety not only provides peace of…

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Calgary winters are long and cold, making it essential to prepare your home for the challenging months ahead. With temperatures often dropping well below freezing, winterizing your space is vital for both comfort and protection against the harsh elements. Proper preparation can prevent costly repairs caused by cold weather and ensure that your family stays warm and safe. Key areas to focus on include insulating windows and doors to prevent drafts, checking your heating system to ensure it is running efficiently, and maintaining your roof and gutters to avoid ice dams and leaks. Additionally, taking steps to protect your plumbing from freezing temperatures is crucial. In this blog, we will explore a range of practical tips and essential supplies that will…

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