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Predicting Canadian Mortgage Rates

How are Canadian Mortgage Rates Set?… Variable mortgage rates and lines of credit move with the prime lending rate…. Fixed-Rate Mortgages move with the bond market….

Open House March 27 2-4 PM at 1 Fern

Open House Saturday March 27  2-4 PM at 1 Fern Visit this classic vintage Weston home filled with original trim and character untouched, well maintained, and handsome abode.  Nestled on a generous 65 X 71 Feet sunny lot.  Excellent opportunity for the historic buff with imagination.

Map of Toronto (Formally York) in 1860

I had the opportunity to photograph this Map of Toronto in the 1860.   It is created from survey data. A decade before the Telephone was invented and a Century before the Toronto 416er was born, here is the 416 and part of the 905 area.

Do your Grandparents Know Best?

I am very interested to know what sage advice your grandparents gave you.  For example, My Grandmother would always say to me “Slow Down I’m in a hurry!”. These old sayings tend to have a wealth of knowledge.  The more you think about them, the more true they seem to be. I’ve just read a [...]

You have found a Real Four Leaf Clover! Your Luck has just improved!

Happy St. Patrick Day!  Here is a little bit of luck for all of you.  Take a look a genuine Four Leaf Cover(s) that I photographed!  (I’ve purposely NOT put the clover in the centre so you will need to look for it) How Many do you See?  Tell a friend and spread the Good [...]

Landlords Rejoice! NY Times claims it is better to Rent than Buy

Rent or Buy? Every Tenant should be asking themselves this question. Actually a better question would be: At what point should a Renter stop saving and renting and buy property, if at all? Most Realtors, I suspect, will say as soon as you can afford to do so… Had I taken the article at face value when it was posted in 2008, I would have lost $100,000 in a three year period.

The Canadian Air & Space Museum in Toronto

I was fortunate today to be invited to the Canadian Air & Space Museum.  It is the oldest surviving aircraft factory in Canada.  More importantly, it was a great idea by a parent of one of my daughters school mates to throw a Birthday Party there.  The kids had a great time seeing many planes, [...]

How to Give a Safety Talk (Introduction and Example)

…Supervisors or Safety Representative should be doing a weekly safety talk. Below is an example of a safety talk guide I created for people that worked under me…
In Ontario, the Occupational Health and Safety Act requires workers to be trained in health and safety on the job site. One of the methods used in training are the weekly Safety Talks (also known as Tool Box Talks). Construction Site Supervisors are responsible for ensuring that all workers on-site have the appropriate safety training. Once a week, The supervisor must ensure that a safety talk is given and recorded. The supervisor can do the safety talk or delegate it to the Health and Safety Representative. For those new to the talk, follow the Ten Point Guide Below. Please note that this is only a guide! Supervisors or Health and Safety Representatives may, in addition to weekly safety talks, discuss other items. If this in done, it should be noted on the Safety Talk Sheet. They must discuss the weekly item at a minimum. It is up to the Supervisor to set up the time during the week but it must be done during the week provided. Remember, in general, the purpose of a Safety Talk is to help workers RECOGNIZE and CONTROL hazards on the job site.

February Toronto MLS Market Watch Report

Here is the February 2010 Toronto MLS Market Watch Report. We continue to see fewer than normally expected volume of homes on the market. Buyers seem to be pushing up home prices.

Roll Roofing is a Low Quality Product

Amazingly enough I could not find any signs of leakage (though without a doubt it had to be letting water pass) This is roll roofing after about 15 years. Imagine taking asphalt shingles and making a big roll out of it. It is the one of the least expensive way to cover a flat roof and the lowest quality. I automatically assume that any Flat Roof covered by Roll Roffing may need to be replaced within about 5 years.

Tarion Part 1: Introduction to the Ontario New Home Warranty Program

New Homes in Ontario basically fall under two categories. Homes built for personal use and Homes built for sale to customers. Both must meet Ontario Building Code but only New Homes built for customers fall under the New Home Warranty Program. In 1976 a Private Corporation was established to protect the rights of new home builders and new home buyers. This Corporation is known today as Tarion…

Form 1000: Registration Of Constructors Ministry Of Labour Required Form

Download a copy of the Form 1000: Registration of Constructors and Employers Engaged in Construction here. This is what it looks like:

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