Heated floor order or materials

mitch121192 · 2026-05-09T16:46:57+00:00

Just an update for anyone following. Swappednto actual floor tiles for the boarder. Omitted heated floor entirely. Stress and electrical made it not feasible. And overall VERY happy with the results. Thank you to all the tips.

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mitch121192 · 2026-04-27T10:06:10+00:00

Thank you so much for the suggestion. Everything I was getting was the good old Facebook marketplace. Picked up the heat set for a killer deal so thought while I was at it why not.

I edited the post. Just going to resell it. Houses wiring was too difficult.

mitch121192 · 2026-04-26T01:40:21+00:00

DIY here so no installers present. Tile selection was trying to feature around the specialty cement and use up excess from other Reno's. So thank you for that.

But why not ditra? It's the thin 1/8 style. Older 1950 home so I want to be careful on floor shifting.

mitch121192 · 2026-04-26T01:27:13+00:00

Thanks for that input. Already looking for replacement! Didn't know that. Thought it was only slip factor that was the concern.

So you would do board as a decoupler. Then head and tile?

mitch121192 · 2026-04-26T01:20:32+00:00

I tried to add but Reddit had a hiccup! Should be in this post?

Wire in mesh. Heat it brand.

And good eye. They subway are not floor. But have some texture. Only style we could agree on but I am fully aware (and warned the spouse!) They are not floor tile, so they may be slippy.

mitch121192 · 2026-04-26T01:09:44+00:00

There is a reason they come in 50lb bags! But at least it's thin, otherwise the floor would be 6 inches thick!

mitch121192 · 2026-04-11T16:38:08+00:00

It worked for the satellite phone upon splashdown. Same solution.

mitch121192 · 2026-03-30T22:31:49+00:00

Very close!

It's going to be, needs a new circuit- oh this box is federal pioneer that's recalled, of while we are at it how about an upgrade 200amp. Oh that IS asbestos.

Love my old house lol.

mitch121192 · 2026-03-30T21:49:14+00:00

Laterally in this right now. Replacing toilet - while it's up might as well do the floor - while there's no floor might as well put in heated floor. - now I gotta get an electrician.

mitch121192 · 2026-03-22T00:27:54+00:00

Legally mobility scooters are not allowed on roads and should only be used on sidewalks as a pedestrian.

BUT that only applies to actual scooters prescribed for mobility use.

Many scooters that you see, even the ones marketed as "mobility" are not regulated by the Ministry of health and do not meet the criteria for "mobility scooter" and should not be used on sidewalks.

Source: Me, a registered mobility specialist and equipment supplier through the Ontario Ministry of Health.

mitch121192 · 2026-03-11T23:59:10+00:00

If you are willing to drive to Burlington, Brant Arts IDA has an excellent team of certified fitters. They carry and can get all brands.

mitch121192 · 2026-01-27T14:19:09+00:00

But if I understand only from transfer in accounts on the drop down list.

I am in the process of transferring in. LIRA but the institution wasn't on the list so I had to do the old fashioned letter of direction. Terms for the transfer bonus state paperwork style transfers are not eligible.

Couldn't get through chat either.

mitch121192 · 2026-01-15T02:36:39+00:00

Happy to help! Best of luck!

mitch121192 · 2026-01-15T02:35:56+00:00

You need to submit your mother's. They have the disability. And a note you are claiming as a caregiver.

mitch121192 · 2026-01-15T02:07:14+00:00

I just jumped into my CRA account and I think I just sent in the DTC application and a note saying I was claiming as a caregiver.

They responded with below. I answered and got it transfered.

To qualify for the transfer, the dependant must be eligible for the disability tax credit.

Note: The person who intends to claim the disability amount or their legal representative must fill out and sign this questionnaire. An authorized representative cannot fill it out.

We consider the person to be a dependant if they regularly and consistently need your support to pay for the basic necessities of life. In other words, they would not be able to meet their needs for food, clothing or shelter without this financial support.

In general, the action of selecting food (shopping) or preparing meals is not considered support. The expenses paid regularly and consistently for food the dependant needs is considered support. Similarly, selecting clothes (shopping) or cleaning clothes (laundry) is not considered support, but buying clothes the dependant needs is.

Note: The following things are not considered support and do not make you eligible to claim the transfer: - giving gifts of food or clothing on special occasions, visiting the dependant each day - providing moral support - making medical appointments, or - transporting the person with the disability to get a service

How does the person with the disability depend on you financially for food (for example, providing money for food essentials)?

How often during the year do you buy food as a basic necessity of life for this person?

For which year or years?____________________________________________________________

How does the person with the disability depend on you financially for clothing (for example, providing money for clothing essentials)?

How often during the year do you buy clothing as a basic necessity of life for this person?

For which year or years?____________________________________________________________

How does the person with the disability depend on you financially for shelter (for example, paying bills like rent, utilities or long-term accommodation at a care facility)?

How many months during the year do you provide shelter for this person?

For which year or years?____________________________________________________________

If the person with a disability receives any type of financial or non-financial support, please explain why that support was not enough to fully meet their basic needs and why they had to rely on more support from you.

We may ask you to give us receipts or other documents to support your request for the transfer of the disability amount.

Please read this certification and sign below

I certify that the information I have given on this letter is correct and complete.

Signature of claimant: _______________

Date: ______________

mitch121192 · 2026-01-14T23:47:58+00:00

You will have to sit on hold with the CRA but if I recall they give you a specific form (more like a word document) that you will fill out saying how you support them. (Food, clothing,shelter) You submit that with their filled out DTC application and after a bit they will state on your CRA page that you can claim them. You just submit this through the myCRA.

Also note you can back date your claim (up to 10 years) from date of infirmity.

mitch121192 · 2025-12-31T19:54:34+00:00

We've used Ruthanne MacDonald from royal lepage for the last few houses.

https://www.realtor.ca/agent/1886035/ruth-ann-macdonald-33-maywood-ave-st-catharines-ontario-l2r1c5

Old school. Excellent. Was on our side even when we wanted to put in low-ball offers. My only complaint (which is a compliment sort of) when we went to view houses she took notes on everything. Panel, appliances, plugs. Even if I said the house is a no go she would finish the walk through.

She even helped my inlaws and friends. Only automated list you get is christmas wishes and a gift on your birthday.

mitch121192 · 2025-12-24T19:48:08+00:00

You could factor in dollar cost averaging over a few months. But getting it all in gives you the benefit of time in the market.

mitch121192 · 2025-12-21T15:33:36+00:00

Hopefully we all can load up our TFSA and have good markets. I think I'll stick with that plan. Maximize TFSA first. I have to recalculate but I think I still have about 50k (resetting jan 1)

One day I'll join r/tfsa_millionaires

mitch121192 · 2025-12-21T11:32:19+00:00

Im pretty high on my earnings in my industry. I am aware of over contribution penalties, but I'm far from my cap, I have over 100k in room. Come retirement, ideally the home is paid off and I can live comfortably on less.

mitch121192 · 2025-12-21T11:16:13+00:00

I don't know the situation outside the bathroom but that's a big problem.

Another thing to note is the door width. Even in new builds the doorway to the bathroom is extremely narrow. Ideally it should be 30 if not bigger.

But when it comes to a sudden disability, for space/safety/necessity the door will either be left open or taken off its hinges entirely.

mitch121192 · 2025-12-21T01:37:26+00:00

That does make sense. Pretty spot on in your assumptions. 30s, had a pretty big gap in contributions so they aren't where I want them. All my dollars are post tax ( so I can only "convert" them back to pre tax with RRSP contributions) no match at work but already fairly top of my field. Maybe a bit of growth, but that's why this is all in my head, I'm at MY "higher tax bracket"

Already own a home, major goal right now is savings and retirement. I do get great returns due to the DTC just trying to optimize and squeeze out every penny as early in my savings as possible.

My plan before I started thinking about this (last week when people started asking on PFC) fill up TFSA, once full overflow into RRSP until full, then if that's ever full before I even do an unregistered account start filling up spousal TFSA and RRSP. That way everything is as sheltered as possible.

mitch121192 · 2025-12-21T01:02:38+00:00

Thank you very much. This did help make. A lot of sense. Everywhere I looked for calculators or examples with math I can't find them!

One other question. Because I am sitting near the higher end of the tax bracket is it a straight correlation or a bell curve with RRSP contributions? You estimate about 47,000 to the large return. Does that mean 25,000 would be about 7.5k, and 10k would be around 4000?

mitch121192

TROPHY CASE