For parents faced with the prospect of their children attending a post secondary school in another community, city or province, and finding suitable living accommodations for their loved one can be somewhat daunting… and trying to find that perfect home away from home can sometimes be an impossibility. An alternative, when taking into consideration the cost of living in residence or renting a room that offers no return on your investment, is buying a home or condominium that your child can share with other room mates. The cost to carry the mortgage, taxes, maintenance, heat and hydro can mostly be
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The information provided below is not legal advice, and it may not apply in every situation. Before making a claim, there are a number of factors you may want to consider, and a number of pieces of information you will need to collect. 1. You Will Need the Legal Name of the Person or Business. You will need to know the legal name of the person or business and a current residential or business address. It is necessary to have the correct information about who you are suing to properly prepare and serve your claim, and to enforce a judgment
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It is imperative when considering buying a home that is serviced by a septic system that the system be inspected by a professional septic engineer. Initially this inspection may seem costly, however it can save you thousands of dollars in future repairs or replacement costs. The cost to replace or upgrade a system is far greater than installing a new one on a virgin site. The cost for replacement can be as high as $20,000. to $30,000., sometimes more, depending on how much damage the old system has done to the soils in and around the system and surrounding property.
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We all rely on safe drinking water in our homes, it is vital to our health and quality of life. If you are buying a home where the water supply comes from a well source there are precautions that need to taken. First and foremost and at the very least, you must have the water tested to ensure a safe bacterial count. You should be aware that the bacterial stability of water cannot always be determined from a single sample. To establish drinking water quality initially, take three samples at least one week apart and each test must show acceptable
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What is real estate fraud? There are many different types of real estate fraud, but the two that consumers should be aware of are mortgage fraud and title fraud. Mortgage fraud occurs when an individual intentionally provides inaccurate, fraudulent or incomplete information to a lender in order to secure a mortgage that they might not otherwise be granted. This could include anything from an individual claiming to have a higher income than they actually have to providing falsified proof of identification or a falsified appraisal of the property. Title fraud occurs when a fraudster assumes the identity of an individual
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The Electrical Safety Authority has received an increasing number of questions about the safety of knob and tube wiring. In particular, purchasers or owners of older homes are finding that many insurers will not provide or renew coverage on such properties. In some cases, the insurance companies are requiring a total replacement of this wiring prior to providing insurance coverage. Knob and tube wiring, more recently referred to as open wiring, was a wiring method used in the early 1900s to 1940s in the residential sector. Over the years wiring installation practices have changed in the residential sector and knob
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All types of mould have the potential to cause health problems and many people are allergic to it. The severity of the health effects depends on the type or amount of mould and any pre-existing health problems. People with asthma or allergies are more susceptible to mould-related problems. Mould weakens its host food source and can cause structural damage to buildings. Mould can develop on organic materials if they remain wet for 24 to 48 hours. It is not the quantity of water, but the time the material has been exposed to water or moisture that determines the growth of
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Household pests have a knack of residing in homes to satisfy their needs of food, water and shelter. If you do not seek the services of a pest control company in time, pests can cause your home a significant amount of damage. Although you may not feel too concerned about a couple of rodents roaming around your house, it is essential to remember that these pests can mate and multiply rapidly. Many people end up losing a large amount of cash due to the lack of timely treatment of these problems. Carpenter Ants Although the creatures may look miniscule and
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Effective March 1st. 2006 it became law for all Ontario homes to have a working Smoke Alarm on every story and outside every sleeping area. With this previously announced Fire Code amendment now in effect, it is hoped there will be a reduction of the number of preventable fire-related injuries and fatalities.  The amendment covers single family, semi-detached and town homes, whether owner-occupied or rented. Penalties for non-compliance with the Ontario Fire Code smoke alarm requirements could result in a ticket for $235 or a fine of up to $50,000 for individuals or $100,000 for corporations. Working smoke alarms save
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It is critical for a home buyer contemplating the purchase of a home with oil heating that they have a clear understanding of their responsibilities and liabilities under laws that have been implemented to protect our environment. It is also important to note that Mortgage Companies may not advance Mortgage funds and Insurance Companies may decline Insurance Coverage if the property does not meet the new regulations. The Ministry of Consumer and Business Services recently amended Ontario’s Technical Standards and Safety Act (TSSA) to include new regulations with regard to fuel oil. Inspections One component of the new regulations involves
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