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The Anatomy of the Underpin #myreno

Our underpinng (basement lowering) job is finished and we couldn't be happier.  Our contractor, Saverio from Cornerstone Waterproofing was amazing. His crew (Kyle, Kyle and Charlie) were polite, clean and accomodating. I can highly recommend them without hesitation. Saverio will go above and beyond what is asked of him. 

These pictures detail the process of the underpin. It took 3 weeks to complete. Most contractors will take 4-5 weeks to complete this kind of job. Saverio and the crew worked hard to complete this on time. 

Underpinning a house is a major structural undertaking. You are lowering the original footings of the house to a new, lower depth so you can lower the floor. 

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This is obvioulsy the beginning.  We needed an engineers report to document the specifics. This is only 1 page out of the 6 page report. This is also mandatory to get permits from the city.  The basement was cleared out, the sections were labeled 1, 2, 3 and then the wooden forms were made to pour the concrete in. 

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The soil is excavated in sections. First the #1's, then they are underpinned. The forms are put in place then as per the engineers reports, a large 9" piece of angle iron is placed in the concrete that goes from the bottom of the new pin to the ceiling. Some contractors and engineers think this is overkill but it doesn't cost much more and certainly helps the house. In fact, half of the contractors had never heard of this! 

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Once all of the sections had been underpinned it is time to excavate. Kyle, Kyle and Charlie break their backs shoveling the soil onto the conveyer belt.  Our furnace and hot water tank had to be "strapped" to the floor joists to be able to excavate underneath it. It it be moved to another location. 

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New plumbing lines are installed removing the old clay ones. We had a 90% blockage in a 4 foot section!  The gravel is poured to make way for the concrete.  On top of the gravel a 6mm vapour barrier is placed, then metal wire, then concrete. A black drainage board is placed on the inside walls as a water management system that drains into a weeiping tile system that leads to a sump pump. There is also a backflow preventer that was installed at the front of thouse to prevent sewage backflows. 

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This is the finished product.  One small 13'x38' room that will cost a fair bit of money but will give us the much needed space that we desire. 

How are your #Toronto Property Taxes Calcuated? #realestate

Property_tax

A lot of clients ask me this question. This is a fairly straigh forward answer. The City of Toronto currently has a relatively low tax rate. Fortunately most homes are taxed on their current value assessment which is usually quite lower than what your market price would be. 

2010 Property Tax Rates
Your final 2010 property taxes consists of a City levy and an education levy.

Residential Properties
The City levy has been calculated by multiplying your property's 2010 phased-in assessment by the City's tax rate, as approved by Toronto City Council.

The education levy is calculated by multiplying your 2010 phased-in assessment by the education tax rate, as set by the Province of Ontario.

Description City
Tax Rate %
Education Tax Rate % Total
Tax Rate %
Residential 0.5895702% 0.2410000% 0.8305702%
Multi-Residential 1.9552517% 0.2410000% 2.1962517%

Example: Estimated taxes on a residential property with an
*Assessed Value of $407,374:

Estimated property tax = Assessed Value x
*Residential Tax Rate
*= $407,374 x 0.8305702%
*= $3,383.53

Source.

Portable Storage #toronto @StorageToronto

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In our quest to make more livable space in our house, we've decided dig down our basement. It's a big job but will increase our living space by almost 1/3. Plus we can finally add the extra valuable second bathroom.

Since the basement was used for storage, we needed a place to "store the storage" while digging out.

We had a few options for portable storage but decided to go with Giant Portable Storage. It was the largest and least expensive of the bunch. The service was great - they dropped it off and picked it up when they said they would. So far I am very pleased.

Their website states, "Our units are new and equipped with stained hardwood floors, tie down rails, extra ventilation pockets and secure lock boxes.  Our units are made from 100% corten steel and are fully wind and water proof unlike some units with roll up doors that allows insects and critters to get in.  This is the most secure and safe way to store your goods on site or off site or to transport goods during moves."  The insect and critter proof portion is what sold my wife. 

The works begins on Monday and will take about a month to complete the underpinning process. Then another month to finish. We are very excited to add the space and value to our home.

Why do The Danforth stores close all the time? #toronto

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On a short walk on the Danforth from Chester to Gough avenue, I decided to snap a few iPhone photos of all of the store and restaurant closings. It seems dire. I thought that The Danforth was a thriving community for retail and restaurants. 8 places are closed and are either for lease or reopening soon. I was told recently that because The Danforth is a neighbourhood on the subway line that most people will make their way from home right to their desitination. Most don't stroll around - especially in the winter time. They go where they need to go. Whereas on Queen Street, people will stroll around. Who knows if there is any truth to that. It makes sense but it's difficult to calculate. Let's hope whatever reopens in these storefronts can survive a little longer. 

Parking Permits

Parking in any neighbourhood of Toronto can be a challenge to say the least.  The parking enforcement officers are out at all times of the day and will ticket you within minutes. 

Hopefully when you buy a house it will include parking.  But what do you do if you buy a house that doesn't have a garage or a parking spot?  Chances are you will be able to purchase a permit to park on the street.  Failing that (which is unlikely), and for more convenience, you can apply to obtain your own parking spot in your front yard.  This is not an easy process and in some streets or neighbourhoods there is a moratorium on such practices.  It's all about permits and approvals and I will outline what is involved. 

In order to process your application, you will need to submit the following:

  • A non-refundable application fee of $351.09 ($310.70 + $40.39 HST)*; or a non-refundable transfer fee (change in property ownership for licensed locations) of $113.00 ($100.00 + $13.00 HST)*;
  • A detailed landscape proposal, drawn to scale and scale noted on plans, that shows all relevant dimensions, all highway names and municipal addresses, physical details such as utilities, sidewalks, walkways, trees and their dimensions (including distance of trees from other objects), fences, retaining walls, etc., north arrow, property lines and location of proposed front yard parking pad (more detailed drawings may be required if your proposal involves major landscaping);
  • If application is for transfer of parking privileges, a landscape proposal is not required
  • Copy of motor vehicle registration (no trucks, closed vans, campers or other oversize vehicles are permitted);
  • Copy of property deed or survey;

Upon approval of your application, it will be necessary to:

  • Submit a petition signed by residents of at least 50% of the total number of residential properties within the block indicating support for the application, if polling is required;
  • Obtain a paving permit prior to any construction. The fee for this permit is $127.09 (no GST/HST)*;
  • Plant a tree in the front yard or fund the planting of a tree, the cost of which is $595.72 (no GST/HST)*;
  • Pay the cost of the installation of the curb ramp, if applicable (an estimate will be provided at a later date);
  • Pay an annual fee for the use of the City boulevard in accordance with the City of Toronto Municipal Code;
  • Enter into a Parking on Residential Front Yards and Boulevards Agreement; and
  • Enter into an Encroachment Agreement for any encroachments on the public right of way, and agree to pay the legal fees for the registration of any encroachments on title.


Movember

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I’m joining the growing club of modern gentlemen who believe in the virtues of fine moustachery, immaculate grooming and growing a moustache for Movember. I am looking for like-minded ladies and gentlemen to join my team to change the face of men’s health. 

Movember is about raising funds and awareness for men's health, specifically prostate cancer. Close to 4,400 men die of prostate cancer in Canada each year and one in six men will be diagnosed during his lifetime. 

It’s time we did something about this.

The more people I can get on board, the more lives we can impact. I am asking you to join my team and either grow a moustache as a Mo Bro, or join as a Mo Sista to help recruit other gentlemen. 
To join my Movember team go to http://ca.movember.com/register/97920 and follow the steps.
Once registered you'll be sent all the information you need to raise funds and start growing as part of my Movember team.

If you’re interested in learning more about the work that is being carried out as a result of Movember funds, feel free to read the details.

I hope you join me to change the face of men’s health.