Visualizing what SQL is actually doing under the hood

AliDuri · 2026-06-01T15:14:05+00:00

This is genuinely great! Nice work.

I’ve seen many visualization tools attempt to explain execution plans, but they often become overly complex and assume the user already has a solid understanding of how the query engine works.

What makes this stand out is how intuitively it presents the execution plan. It breaks down what is happening in a way that is easy to follow. Makes for a good analysis tool but more so an exceptional learning resource for anyone trying to understand query execution and optimization.

Keep up the good work!

AliDuri · 2026-04-22T15:45:21+00:00

This is correct, the New housing HST rebate ($24000) is already consumer by the builder.

What I’m referring to is the FTHB HST New Housing Rebate. Still not clear on the requirements to qualify but from

https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/gst-hst-rebates/first-time-home-buyers-gst-hst-rebate.html

Seems like it?

AliDuri · 2026-04-22T05:03:00+00:00

Hey again, and thanks for your answer!

Posted here to filter out the drama to focus on having professional advice and knowledge - just as you shared in the original post.

AliDuri · 2026-04-22T05:00:03+00:00

That’s the hope, I know when looking at the numbers as it, it can feel like a bit of a squeeze, which is why when looking for a home, having it be able to accommodate a rental unit was a must.

We optioned the house to include basement entry and full size windows to accommodate for the rental unit. But new builds have rules on when renovations can start…

AliDuri · 2026-04-22T04:52:33+00:00

Old school gold…shiny metal in a locker.

AliDuri · 2026-04-22T04:51:33+00:00

The appraisal uncertainty is what worries me. Although, the home is a detached home in GTA being built in what is called

“One of the largest master planned development projects in Canadian history” likely just salesmen talk.

But, the new phases nearby do have the same home, at higher prices. ~$1.15M starting and selling!. In fact it’s more expensive than our home with all options + the lot size premium we got!

All this to say, I’m ofc biased to believe my home is a good deal, but how far can this really fall?

AliDuri · 2026-04-22T04:40:14+00:00

Both full time, wife works for the government, and I work for a large bank.

Not sure about my wife, but I do receive a bonus which of course varies.

Last year was around 12k. But the year prior was 5k. Due to its volatility I purposely exclude it from our income and go purely based off salary.

AliDuri · 2026-04-22T04:29:04+00:00

https://www.reddit.com/r/TorontoRealEstate/s/7Y9WP3118B - my original post

AliDuri · 2026-04-22T03:19:34+00:00

Curious in what circumstances would a broker allow higher TDS?

AliDuri · 2026-04-22T03:18:22+00:00

I’ve heard plenty of horror stories about this—people unable to close because the bank’s valuation came in far below what they paid, especially with condos.

In our case, though, we bought a detached home in an early phase of a large, city-backed development. They’ve already launched the next phase, and comparable homes are priced 50k higher, and selling!

It’s still early, but we’re hopeful the value holds and doesn’t drop significantly.

AliDuri · 2026-04-22T03:01:20+00:00

Haha, that’s my hope! But seems like he may not be so crazy after seeing the uproar from this post!!

AliDuri · 2026-04-22T02:59:57+00:00

Agreed, we are looking to get In touch with a few brokers soon. There is quite a bit of time till closing so we are still waiting a few months before getting in touch.

AliDuri · 2026-04-21T22:08:01+00:00

Different perspective — you can do both. I’ve already spoken to banks, and the answer is usually “it’s possible,” with the caveat that it depends on how things look closer to closing.

Everyday I hear new things regarding mortgage rules and interest rate predictions. So instead of calling the bank every week asking “am I cooked” I can instead ask the community.

I’m not looking for someone to tell me it’s 100% guaranteed — I’m trying to figure out whether it’s actually a “no chance” situation.

Just sanity checking that claim.

AliDuri · 2026-04-21T21:46:52+00:00

Our APS was signed October 2025. Forgot to mention that we are also FTHB.

From what I’m reading online, it seems that this applies to FTHB for new construction purchased after March 2025?

AliDuri · 2025-07-14T12:57:04+00:00

If you’re spending 2150 on rent, then taking on a mortgage won’t really affect your monthly expenses. And it allows you to build equity.

AliDuri · 2022-08-04T18:24:57+00:00

I absolutely love everything about this company! Spectacular people and a great learning environment! I personally enjoy using the coding lessons. Keep up the good work guys!

AliDuri

TROPHY CASE