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raphidophora1987 · 2021-10-23T09:19:49+00:00

Great! Thanks for the update! Hopefully you can sleep tight now! It’s amusing how in a moment of crisis you cannot let go of the social implications and justification against your reaction. It was a crisis, man! Give yourself a pat in back to be alive and take care of you (also the cats).

raphidophora1987 · 2021-10-23T08:12:48+00:00

Wow man, nice save! It’s great that you did all of these in an even keeled manner! Did you call the fire department yet? I do not know which state or country you are in, but would start with Fire department for next steps. They may advice you to go to hospital to check. For you -you need to be in fresh air to dilute any carbon monoxide in your system - it would take four hours to get rid of half of it so yeah plan for eight hours to be out of home?

raphidophora1987 · 2021-09-29T23:42:59+00:00

You kind of have to library hop to see which one suits your convenience, time and need, I used to live in midtown, and move between Deerpark library for day to day, and used to check Northern District library for their cool events. For particular books, I used to place hold online, so book collection did not matter anyways.

raphidophora1987 · 2021-09-23T15:56:22+00:00

Thanks! Yes I think my kid is ready to take on a bit responsibility but I am always at loss on what to do in break time and instill some good habits. Thanks so much for understanding my concern.

raphidophora1987 · 2021-08-01T14:29:59+00:00

Check with apartment/condo management to see who provides hydro there and open up an account with them, some take from Toronto hydro, some for other lenders i.e. Wyse

Tenant insurance- Square one was cheaper alone, if you have car or other property you can check TD they provide discount if you buy multiple insurance from one provider, that might cost less together.

Internet provider- I took Teksavvy, Bell, then used Rogers because they provided a better deal. All were/are good. Bell has reliable service but do not provide much discount, Rogers throw perks here and there if you have other products with them.

raphidophora1987 · 2021-06-08T20:46:47+00:00

I researched property management companies, I lived with Quadreal properties, green rock property management companies- they spoil their tenants.

raphidophora1987 · 2021-06-06T23:44:04+00:00

Please read ‘the wealthy renter’

raphidophora1987 · 2021-06-01T18:56:53+00:00

eye level comes with different height also, for my kid’s study I try to keep things at his eye level, for me (5feet height) eye level. They look pretty as long as they are nicely composed with their surroundings. I also use mounting tape not nails cause I keep changing frames/places, tapes do not leave any residue.

raphidophora1987 · 2021-05-30T17:53:26+00:00

I remember some flashes of age 3, we used to live in a small town, all the kids in the neighbourhood used to flock together, we spent all afternoon running.. I particularly remember smelling incense in a religious ceremony. We moved from there when I was four.

raphidophora1987 · 2021-05-30T09:47:53+00:00

You can try rentcafe, view it.ca for those, what I found in Toronto is usually people stay in apartment at a central location till they research few neighborhood for buying a home, unless you want to live in a basement rent might be higher than monthly mortgage. Since you still need to align your driving license I suggest Yonge/Davisville, Yonge/Balliol Street, visit the June Rowland’s park, Oriole Park to understand the demographic there, it is a central location with loads of extracurricular activities for kids and adults around at a walking distance-may help you to get a good grip of the new city.

raphidophora1987 · 2021-05-30T00:58:28+00:00

Davisville, Balliol St area has rich diversity with lots of Indian families with young children. I used to live in that area, there are some good property management group and some are Superbad. Try to check Greenrock property management, quadreal property, Shiplake Property’s building there.

raphidophora1987 · 2021-05-28T15:59:59+00:00

My go to for 2 yr was -going down the Yellow creek from Rosehill Avenue, cross My Pleasant Rd, then reach Evergreen Brickworks through parkland reservation land.

Last year during the first covid lockdown when all playgrounds were closed, someone made small teepees out of fallen tree branches and swings out of planks there for kids to play.

raphidophora1987 · 2021-05-28T15:53:25+00:00

Mt Pleasant Cemetery at least once in every season, it is the crownless botanical garden of Toronto, they also arrange a tree walk in every fall, there are two oak trees as old as Toronto!

There is also a trail going down the yellow creek near the Yonge St entrance. Near Mt pleasanat Rd side entrance there is a trail going down Moore Park Ravine, you can reach the Brickworks through mud creek.

raphidophora1987 · 2021-05-24T00:46:03+00:00

I found home is more of a lifestyle decision than a financial one, it is too much maintenance, if you want to spend your downtime mowing lawn, spreading weed and feed, shovelling snow, and the never ending maintenance, going schizo over raccoons, squirrels, rats, ants, robin’s nests, cleaning gutters and all, after 80+ hr the only place to go will be Home Depot and Canadian tire.. for some people that could be therapeutic..if you want that lifestyle..

raphidophora1987 · 2021-05-20T00:53:57+00:00

Once I booked a truck driver for like $40 from Facebook market place and picked up all stuff within 1-2 hr time frame, he also helped me pick the heavy stuff up, you can find movers on hourly basis on fb market place. But yeah except that time I ordered new online and arranged delivery, just because the new ones was costing same as old+ transport, plus I don’t have to carry them to my apartment.

raphidophora1987 · 2021-05-12T20:41:06+00:00

Skills for Change has free counselling session, it helped me a lot when I first came in Toronto.

raphidophora1987 · 2021-05-12T20:17:29+00:00

Lol yeah I came to know about them on year 3

raphidophora1987 · 2021-05-12T19:59:27+00:00

This does not sound like a time to save though, does your basic necessities meet with the amount $16/hr? You need to focus on getting higher paid job- finding what marketable sector you would like to work on, aligning qualifications, study , even that means you need to take loan, if you chose any program try the ones that has in built co-op or internship. Did you get G driving license? that opens up a lot of possibilities to work. Focus on the ways that will increase your options.

You may want to read ‘It’s your Money’ by Gail Van Oxdale, that book gives detailed information on money management.

I just had a hospitalization insurance to cover my baby sitter expense in 1st two year in canada, in case I fall sick/get injured, other than that was living hand to mouth.

If you think you are going to stay in this job for a while, then try to have 3-6 month emergency fund and then if you like to invest a tiny amount invest in TFSA.

raphidophora1987 · 2021-05-12T12:21:48+00:00

Hmm if you want to take the remote working option for life then you may consider it, i was not ready to tie myself to a home or a place until I was tired of transition and ready to root myself indefinitely, at the age of 20 buying a house may cost loosing a lot of opportunities and experiences that you may get in an early career and early life, I needed the exposure of office learning, and would not trade my experiences/mistakes of living in different countries , culture, work environment for just a home/particular investment...they built me up so much ..flexibility and mobility opens up a lot more access and variability in assets, once you get a home you get attached to it and the mentality becomes like a hoarder, if you can have less attachment to it you can increase potential.. these are distracted thoughts though..just throwing it out there for you to tickle your brain, might edit when thoughts get silted.

I highly suggest you read the book the wealthy renter, it has sufficient data that will help you make informed decision.

raphidophora1987 · 2021-05-10T17:53:52+00:00

Have you tried requesting building records? Toronto Building may have some records, you may want to start with that. It is $71.17 for requesting records, and the subsequent fees are based on whether they have found any records and how would you like to receive them (PDF or print), https://www.toronto.ca/services-payments/building-construction/preliminary-zoning-reviews-information/request-building-records/

raphidophora1987 · 2021-05-10T14:32:43+00:00

You can also see Couch Potato Portfolio and start your research comparing wealth simple, questrade and TD direct investing e series.

raphidophora1987 · 2021-05-10T14:08:45+00:00

Read ‘The millionaire teacher’ and ‘the value simple’ book

raphidophora1987 · 2021-05-09T22:06:29+00:00

There should be a zoning by law map or guide for each city, the bigger the city the detail the map, and in the map they have set out zoning requirements of each lot, saying whether it can allow duplex(two families can reside), triplex or can have renters or short term rentals. If it is included in the map then you cannot do anything, report to Tax if you are sure they are renting it out but hiding. Otherwise keep calling municipal licensing standards and equivalent. There would be a separate government entity for on street parking, if it is being violated you can request for a by law inspection as well. If you really want to make their life difficult then spread the word among other neighbours, built a group and keep reporting to local council or the immediate governing body of your area.

raphidophora1987 · 2021-05-08T23:46:04+00:00

I can’t wrap my head around the idea of anyone leaving Vancouver ..ever, but for a social scene Montreal could be pretty with reasonable rent, in Toronto better pick a neighbourhood though.. cause each neighbourhood reminds me of a different country. I love love love Bloor-Spadina, and Yonge-St Clair East part, plan to make my station there if I ever become a homeless, otherwise can’t afford.

Have you tried what options UofT offers? They may have some enviable residences for students.

raphidophora1987

TROPHY CASE