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Hello, I need some help in understanding why the Provincial Government has not accepted $10 Daycare plan from the Federal Government ? As we all know the cost of living in Canada has increased. Houses are at an all time high, food, gas are just a few to bring up. A dollar doesn’t go as it used to be in in the 80’s and 90’s.I know our French neighbours have had a program for child care for many years now and have recently accepted the federal support in this program.So what am I missing ? Is there a caveat to this deal with the Feds? Why have we not jumped on board ? When I’m a parent of two and paying over $2000 a month for both my children to attend daycare. I need some help understanding this.Thank you. via /r/ontario https://ift.tt/3oEniyi

So very long story short never mind long i guessWe bought a house, with the house was a contract for a water heater rental which we had to take on – Aire One. Tankless Water heater, retail cost -3-4 grand from what I could find online. Monthly option for it was $60(thats what the previous owner was paying).I did take the rental on, 1 month later I called them up “Hi i’d like to buy this out right”. Several phone calls and promises to call me back, I get a quote for the water heater at $4086. I go fuck thats a lot, ok we’ll save a bit more, they said “its ok youre paying it monthly so it should be less next time. I go great.Flash forward 6 months later(Today) I call (Me: OP, AireOne: AO)OP: I’d like to buy it out.AO: Ok that’s going to be $4100(roughly, i’m remembering from the call)OP: Oh ok why is it more than x invoice?AO: This covers service/cancelation feeOP: Wait i thought i’d be cheaper because i’ve been paying it every monthAO: Sir this isnt rent to own check your contractTurns out this was never rent to own, this is a 10 year rental with the option to buy it out right after 10 yearsSo I go ok fuck it here’s my credit card, just get it over with. Then I get a charge on my credit card for $4750. I go wait wait wait what the fuck, turns out it’s $4100 pre tax, but also the intial quote indeed didn’t include the cancelation fee, which is $750 + Tax! So almost 1 Grand to cancel a fucking contract and had to pay a total of almost 5 Grand!So this is a warning to anyone that googles this company. I’m so mad and now im very very poor and theres other repairs to do (first time home owner, first year of owning this house) And now im back on the savings just to be able to pay my insurance next year , jesus christ this was a hitAnyway i dont have any questions here, i should have canceled then waited till they picked it up and bought a different water heater, i fucked up and now im mad and 5 grand shorter. At least its over via /r/PersonalFinanceCanada https://ift.tt/3Bl8Bnk

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https://ift.tt/2Yq0TdH, the whole Great Vancouver’s populations are about 2.7M, in 10 years Ontario will add almost a whole Great Vancouver into its current populations. That’s crazy, isn’t it?”Ontario is expected to add a whopping 2.27 million people to its current 14.5 million residents within the next ten years alone, according to the Ministry of Finance — 1.2 million of them in the Greater Toronto Area.Government officials project that the City of Toronto proper, which currently has a population of nearly three million residents, will add roughly the same number of new residents on its own by 2046.In other words, if Ontario’s Ministry of Finance is correct in its projections, nearly four million people will be living in the 416 some 25 years down the line.Where are they all going to reside? And how will they afford to?A new research paper from the Ottawa-based Smart Prosperity Institute called Baby Needs a New Home, released this week, asserts that Ontario needs to build at least one million new homes over the next ten years to meet the demands of its rapidly-growing population.Failure to do so will push young families out of many cities and communities, further and further, until they find places that are affordable to live, similar to the exodus we’ve seen from Toronto amid the COVID-19 pandemic.”Toronto’s population grew faster [from 2016-2021] than the housing needed to accommodate that growth. Accelerated housing demand, coupled with no real change to the rate of home completions, ensured that the demand for housing exceeded the supply,” notes the report.”Not surprisingly, this led to escalating home prices (as well as rents) in the City of Toronto, but it also led to an exodus of young families out of the city of Toronto in search of housing…””The ten most common ages, on net, for people to leave Toronto and Peel, to other parts of the province are 0, 1, 2, 27, 28, 29, 30, 31, 32, and 33. That is, infant and toddler-aged children and their parents.” via /r/canadahousing https://ift.tt/3ljoHbH

My wife was recently denied life insurance due to anxiety. About 6 months after giving birth to our daughter she would have minor panic attacks. She has had maybe a half dozen since giving birth. She has since been meeting with a therapist bi-weekly.What we find puzzling, is she has never officially been diagnosed with anxiety, never been hospitalized and does not take medication. We cannot understand what her doctor would have relayed to the underwriters that indicate any real level of risk. We have been told to apply again in 6 months but she plans on continuing to visit the therapist because she has found it to be extremely beneficial in general. It feels like we essentially need to lie to to have any shot of receiving coverage. We recognize trying to mitigate postpartum risk but our daughter is now twenty months old.Any recommendations or insight would be appreciated. via /r/PersonalFinanceCanada https://ift.tt/3mB8u13

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Unfortunately, the only article I could find on this topic is a BlogTO article with a clickbait title. However, the issue is an important one, and the the article has some more information. The Crosstown LRT was envisioned to have bike lanes across the city from the beginning along its route, which would allow people to cycle across the city safely on a safe, straight, and continuous route.With the whole street being reconstructed, there’s an opportunity for safe and high-quality protected bike lanes. Yet, as we can see in the BlogTO article, the implementation is concerning. It looks like they’re just going to paint lines on the road along the above-ground portion of the LRT line on Eglinton.The central part of Eglinton where the LRT is underground doesn’t even have continuous bike lanes of any kind planned and funded at the moment. Metrolinx is building bike lanes in front of underground station entrances only. It’s an issue that needs to be raised and advanced with the mayor and council.Eglinton could be a transformative street for cycling, but it looks like the cycling infrastructure is being neglected. Painted bike lanes with no buffer are substandard on the busy and congested parts of Eglinton in Scarborough. If that’s simply tolerated and accepted, the Finch West LRT project’s proposed cycling infrastructure may end up being substandard or missing as well.We need to do better with these projects. There’s no excuse not to build high-quality cycling infrastructure with the space available and the roads being reconstructed for the LRT. via /r/toronto https://ift.tt/2WOxtFe

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Townhomes on my street in the suburbs of Ottawa (suburb of a boring city) have gone from under $300k in mid-2017 to over $500k now. They were even less in 2012, something like $220k.I work a good career job but can’t afford a house. I’ve been intelligently saving and investing in low-risk index funds, avoiding excess spending, and driving absolute shit cars for years because I wanted to be smart with my money. Now I’m priced out of the city where I was born and raised.If I had bought 4 years ago I would be living an entirely different life.If I could go back 4 years ago, I would put 5% down on the biggest house I could afford, then get an 84 month lease on a BMW or $80,000 pickup truck and just spent a ton of money going out every weekend, and I’d end up financially ahead of where I am now.Fuck this country.I’m planning on updating my career skills and getting the fuck out of this shitshow.See ya, Canada. via /r/canadahousing https://ift.tt/3De3sy1

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Or should say: ” Detached property taxes should be much much higher than the high rise condo unit. “Individual condo units are assessed and taxed as though they are single family homes.  Delivery of municipal services to a 200-unit condo building is more efficient than delivery of those same services to 200 single detached homes.  But CONDOS DO NOT get the same services.  For example -  NO CITY GARBAGE PICKUP.  THEY MUST PAY A PRIVATE CONTRACTOR.So basically in cities, it is the high-rise condo owners who actually paying part of house owners’ property taxes to shoulder the municipal tax burden on house owners.Also for the same land lot, a detached house may only have 4 or 5 people live on it, but for a high rise condo, there are may be 1000 people live on the same land. The property taxes/land transfer taxes per person per land lot are MUCH MUCH higher for condo unit owners than a single house. It is like occupy on the SAME land, 5 persons (1 household) live in detached house only contribute for example $5,000 a year for property taxes, on the contrary, 1000 persons (400 households) live in high-rise condo on same land, will have to contribute for example 2.5K * 400= $1,000,000 property taxes per year. Such a huge difference in favour of the house-owners. I mean the property tax law is so problematic and unfair, isn’t it?I think this is also the main reason WHY levels of Government only want to build more high-rise small condo units (the higher stories the better) even in the suburb areas, they want YOU majority young people to shoulder all the current detached house owners’ property tax BURDENs, which are also the lawmakers’ own burdens (100% lawmakers are house-owners I believe). And if the detached houses’ property taxes are significantly increased based on land size occupied and values, then the prices of these houses will go down as well, they don’t want that happens.The Government keep advocating “Build More”, which really means to build more high rise condo units average 300 square feet each and 50 stories or more is the best, just in order to keep the current detached house owners’ property taxes being low. So let the condo households pay most of our municipals taxes and let the house owner class occupy most of the residential lands and enjoy their RE value doubling and tripling, while paying peanut property taxes. via /r/canadahousing https://ift.tt/3D7XKO8

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All I want is a full home inspection condition so i know what i’m buying before I make the largest purchase of my life. Is it really that much to ask? Is it? Really? 😐 via /r/canadahousing https://ift.tt/3FgwaAd

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I live in rural North Carolina, USA, and habitually make a weekly trip to the nearest sizeable town every Friday. Last Friday I was shocked to find the local library has closed, with a sign on the door saying the problem is a lack of funding. I gather there is a an issue with Federal budget spending limits congress is supposedly working on, but I am not really clear if that is affecting my local library or not. Would other readers please chime in if they are having problems with their local libraries staying open? via /r/books https://ift.tt/2WA2Jrc

Hi all, I’m the founder of Dio, a company building affordable multi-room speakers. I started my company because I’ve gotten really into audiobooks, but there isn’t a viable option to easily keep listening to my books while I do things around the house. Earphones and Bluetooth speakers are a hassle, so I decided to make super affordable speakers that you can place all over your home that make it easy to keep listening as you go from room to room. I wanted to post here to see if this really is just a ‘me problem’ or if other audiobibliophiles would care to see something like this happen. I’ve just opened up reservations for this product where you can get a huge discount once I’m ready to kick off speaker sales, so please check it out at https://ift.tt/3D0eJ50 also appreciate any feedback you may have for the concept in the comments! via /r/audiobooks https://ift.tt/3a59rIS

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New Zealand will prevent property investors from deduction mortgage interest from their rental income starting from October 1.This is the latest in a series of efforts to reduce enthusiasm among investors to buy existing houses thereby giving a level playing field for first-home buyers.In March the country introduced the bright-line rule which taxes gains on investor properties held for less than 10 years as income (vs capital gains).They also required investors to have a 40% minimum down payment.All property transactions require an Internal Revenue IRD# (equivalent to SIN#) to ensure qualification for the principal residence deduction on owner occupied homes. For foreign property owners, they will need to apply for an IRD number, with a prerequisite that they open a New Zealand bank account so that they are subject to the bank’s anti-money laundering rules. Also, all non-resident buyers and sellers must provide their tax identification number from their home country, along with current identification, such as a passport. Foreign investors will also have a 33% withholding tax on any property investment gains.https://ift.tt/3iolfKY via /r/canadahousing https://ift.tt/3uut1aY

Just saw a listing I was watching in Bowmanville go for 1,140,000. List price 850000. Was listed before this for 629000 in 2019 and sold for the same. Just an ordinary house. Everything is broken. via /r/canadahousing https://ift.tt/3A19osj

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