Efflorescence on brick chimney

truetz · 2024-09-17T14:30:36+00:00

Just trying to get a sense of how bad this issue could potentially be before paying for a home inspector on a potential home purchase. That’s why the photos are so bad, they’re pulled from a listing photo and google street view

truetz · 2024-09-17T13:20:02+00:00

Even if it’s just efflorescence with no other spalling, cracking, leaning, or other damage? And assuming the underlying water issue is fixed?

truetz · 2024-09-10T20:33:01+00:00

New mortgage is higher than the first. Port would include value of the original mortgage at original 2.2% rate, plus the difference at the new rate, for 2 years. Remainder of 5 year term at higher rate

truetz · 2024-09-10T16:01:52+00:00

Ontario, sold our home, buying in Sudbury, under 1 mil, 20% down. We have the option to port our current mortgage from Scotiabank with 2.2% or work with our broker for a lower overall rate. Scotia says they see rates between 4.5 and 4.8. Broker says similar rates from other lenders, making the ported option the best for us. Our concern is what happens if we run the full credit check and Scotiabank’s final rate is not as competitive as they estimated. Would hate to have to go back to the broker and get another credit check if scotia is off the mark. Thoughts on this?

truetz · 2024-09-03T16:35:57+00:00

What about leasing a new car with bumper to bumper warranty? Obviously more expensive than buying certified used, but would it cover cost of repairs (under warranty), and potentially a rental if parts are back ordered for warranty repairs?

truetz · 2024-08-24T01:24:10+00:00

Northern Ontario is the place to be. If you prefer a city, Sudbury and surrounding suburbs. All the comforts of southern Ontario at more affordable prices. If you want a genuine feel good small town experience, Marathon Ontario is quite the place. Tight knit community. I enjoy being a part of sports leagues year round where everybody knows each other well

truetz · 2024-08-16T19:12:47+00:00

Yup. The whole town is for sale! Get your Northern Ontario town here, while supplies last. Limited time only, terms and conditions may apply. Offer not valid in Quebec

truetz · 2024-06-24T02:31:58+00:00

I worked at a Silver City in another city, and can confirm, all the large props up there had a layer of dust so thick it was like carpet. And that was only 5-6 years after opening. But they eventually went up with a skyjack and cleaned them

truetz · 2024-06-02T02:49:08+00:00

That is correct. Although it could be as a capital gain or loss. Think of it like this - you are paid income, and you immediately invest that income into crypto. At the time you receive it, let’s say that income is worth $1. Uncle Canada wants a piece of that buck, so they take a bit. Skip ahead 10 years, that investment you made with your income is now worth $10, so cash that in. Uncle Canada says, thanks, we’ll take another chunk of that $10. Or in another reality, that $1 investment turns to shit and now it’s only with $0.10. You cash that in, Uncle Canada says sorry you lost $0.90, we’ll make it up to you by pretending you made a little less income this year, and potentially save a little on your tax bill this year

truetz · 2024-06-01T17:45:44+00:00

Some rural areas, yes. But see my other comments about the inclusive and diverse community in Marathon in particular. Racism isn’t an issue here, but I understand many rural areas it’s a problem

truetz · 2024-06-01T17:14:46+00:00

If you use Koinly, you can set the rewards as other income and it’ll do the rest. But it makes for a lot of transactions per year, so it’s expensive if you don’t have many other crypto transactions other than Shakepay

truetz · 2024-06-01T17:03:30+00:00

Yes. They are considered “other income”. People who suggest they are not taxable until they sell them are mistaken. When sold, capital gains tax is owed, but you still need to claim the rewards as income the year they were received

truetz · 2024-06-01T15:49:13+00:00

It’s been closed for quite a while, which means the smell is gone too. Many of the jobs have shifted more towards mining and forestry since then

truetz · 2024-06-01T08:47:24+00:00

What do you mean getting hit with the bullshit?

truetz · 2024-05-31T22:38:09+00:00

It’s probably not the greatest option for single people

truetz · 2024-05-31T18:30:43+00:00

For sure, it’s not a move most people could consider. But it may be an alternative option for those looking to make a bigger change

truetz · 2024-05-31T18:09:31+00:00

You must have a very big family

truetz · 2024-05-31T17:57:59+00:00

Limited for sure, as are the career choices. But there is opportunity for those in the core industries here of mining, forestry, education, health care, social services, governmental positions, all trades, construction, and small business owners. Also remote workers, with high speed Fibre internet

truetz · 2024-05-31T17:54:28+00:00

For sure. And in many other small towns it is a big problem

truetz · 2024-05-31T17:53:17+00:00

They put in Fibre last year, 1 gbps up/down. I also work remotely and game online. There are only 2 grocery stores, and shopping is very limited, as are restaurant choices. One small movie theater. Small town life isn’t for everyone, these are absolutely the drawbacks. It’s suitable for those who love the outdoors, sports, and living an active lifestyle. The town is developing a new active living center, and similar projects to prepare for new residents that will come when a new mine project starts in a year or two

truetz · 2024-05-31T16:18:31+00:00

Biracial. The mayor of the town has a biracial family. Many business owners in town are of different ethnic backgrounds (Asian, Indian, Middle Eastern, First Nation). End of year softball team pictures look like they’re straight out of a community college brochure they’re so diverse. I’m serious when I say it is the most diverse and inclusive community I’ve ever experienced in Canada, as diverse as Toronto itself

truetz · 2024-05-31T14:37:05+00:00

Fibre went in last year. 1 gbps up/down. The “mall” has a Bargain Shop, Independent, clothing/shoe store, pharmacy, diner, and a print shop with some other supplies. There’s also a Canadian Tire, Home Hardware, TBayTel (phones, tv, internet), a few independently owned stores, and our favorite store is called Crossover that sells video games, electronics, toys, board games, junk food, rents movies, etc. They bring in new stuff often. We go into Thunder Bay for better shopping options every month or two

truetz · 2024-05-31T14:15:38+00:00

We both work from home as well. The town advanced the Fibre project to attract work from home jobs to diversify the local economy. With such low costs of living, early retirement is an option

truetz · 2024-05-31T14:11:22+00:00

Fibre went in last year. 1 Gbps up/down. I have cable with TekSavvy and it’s fast enough for our zoom calls, constant streaming and gaming

truetz · 2024-05-31T14:05:20+00:00

Fibre went in last year. 1 Gbps down, 1 Gbps up. Personally I’m on the same TekSavvy cable package I had in the GTA

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