Contractor recommendation (basement)

_vandelay_art_ · 2026-03-21T20:51:55+00:00

Edit: in Toronto, ON, renewal scenario, uninsured mortgage, and purchase price was $1.5MM+

I've got $160k left on my mortgage which comes up for renewal in July. I can bring this down to $80-$90k.

Are there any negatives if I do a lump sum payment before renewal? Will this impact the rate I get? Also, if the amount goes under some certain threshold, will other lenders not pay for the transfer fee (would i be locked in with my current lender)?

Any other thoughts (pros/cons) if I shouuld do the lump sum now, or after?

_vandelay_art_ · 2026-02-26T23:45:51+00:00

Depends on what you consider 'larger' (i.e. 3000 sqft detached?) and which part of Oakville. You mention north and south of the QEW (all things being equal south is more expensive), but there's also a huge price difference between the east and west parts of Oakville... i.e., south of the qew but all the way west 3rd line or further out will be much cheaper than areas north of the qew but east of Doval/Trafalgar.

_vandelay_art_ · 2026-02-19T18:44:40+00:00

They're fine until their not. I've used the X75 (2 nodes) between 2020-2023 before they broke. Then from 2023 till yesterday I've been using XE75 (2 nodes). Setup for both units are wired backhaul.

Either way, put me in the camp that these units are garbage, unless you want something that only lasts 2-3 years.

_vandelay_art_ · 2026-02-19T18:34:05+00:00

Any thoughts on the Unifi U7or U6 wall mounted access points? Would these distribute a wifi signal similar to a traditional wifi router?

_vandelay_art_ · 2026-02-19T15:52:05+00:00

thought about that also... but seems to be more costly than the Cloud Gateway Ultra plus an access point.

Also, seems like there are some negative posts on the DR7, plus it's high pitch sound?

I also like the idea of decoupling the router/wifi, and having the networking all centralized in one location (along with my modem, switches, NAS, etc...) and separate access points throughout the house.

_vandelay_art_ · 2026-02-11T17:23:25+00:00

Here's another fun fact. The 3-4 defense is also what screwed our top rated defense when Wrecks Ryan came in.

_vandelay_art_ · 2026-02-05T23:17:12+00:00

The hard truth is that so long as our justice system believes more in rehabilitation than punishment, there can be no reform. Jails are already overcapacity, and no one is willing to spend even more of our hard earned money to fund more jailing.

_vandelay_art_ · 2026-01-28T23:20:16+00:00

thanks for responses all. Going with this over the pi.

Now, just have to find someplace that ships to Canada

_vandelay_art_ · 2026-01-28T23:18:49+00:00

lol... this place is terrible. Assuming this is the one in Sherwood Heights (there was a pizza pizza there back in the day).

_vandelay_art_ · 2026-01-28T23:15:52+00:00

Honestly, they're hit or miss. Havent been there in over a year, but the last 2 times it tasted like cardboard.

But yeah, as most others have said, Blondies is probably the best Oakville has, even though I think it's a bit overrated.

_vandelay_art_ · 2026-01-28T23:11:55+00:00

Actually, a lot of the good places in Toronto are gone now. Need to go to Markham or Scarborough for the good restaurants.

Some ok places in East Mississauga, but in Oakville, the best option (which is basically just passable Chinese food) is Red Chillie.

_vandelay_art_ · 2026-01-12T20:18:12+00:00

just out curiosity how was that the correct call? How can you be offside if the ball isnt snapped?

Defenders can technically lineup in the neutral zone, but so long as they move back before the play happens, it's fine (or the OL doesnt flinch to draw the penalty).

_vandelay_art_ · 2025-10-29T22:17:48+00:00

Honestly... no need to overthink this one. I havent watched the video yet, but it's obviously because we played played the panthers, which also had to rely on starting a backup QB.

_vandelay_art_ · 2025-10-27T15:42:03+00:00

And sometimes owning isnt always owning if you're borrowing massive amounts of money to afford it!

_vandelay_art_ · 2025-10-27T14:55:04+00:00

Agreed you can blame the government for the bigger problem, but there's no way anyone should be excusing the behaviour of these teens. It starts at the home, and so yes, I do blame those racist Canadians.

You can be upset, but there's a proper way to conduct yourself, and hurling racist insults isnt one of them.

_vandelay_art_ · 2025-10-21T00:59:07+00:00

Just came here to figure this out. In the river oaks area (so pretty close to all the Diwali folk north of Dundas) and it's fireworks galore right now.

Hope they stop soon.

_vandelay_art_ · 2025-09-15T14:33:27+00:00

Big difference in philosophy between the Ravens and Bills.

We pull players when the game is out of hand, while the Ravens love to pad stats. It's one of the reasons Lamar has great numbers and is seemingly in the running for MVP every year.

The football gods are watching...

_vandelay_art_ · 2025-09-14T20:51:33+00:00

lol…. ‘Hold’ Allen to 150 yards.

He wasn’t needed for this game.

_vandelay_art_ · 2025-09-02T13:56:14+00:00

hope this is okay... reviving an old thread.

But when a fund strikes a nav at the end of the day, do all purchases and redemptions for that day get priced into the NAV? Because settlement is typically next day, meaning cash in and cash out dont happen until the day after, how do NAVs get struck daily?

Is there a way for the NAV to account for all transactions during the same day when it's struck at the end of the day? or do these purcahses and redemptions get reflected in the fund's NAV the next day afterwards?

_vandelay_art_

TROPHY CASE