You mean make the screens? There must be an online company where you just send measurements and they send you screens. Likely have a standard size anyhow. Pop in some clips and bobs your uncle.

I just paid someone to do it.
It wasn't that expensive.

I think I paid $150 for 1 sliding patio door, and 3 windows but this was 3 years ago.

my last two places i got done. (corner th cost about $600-700 back in 2017). i watched a couple of videos on youtube and did it myself for my detached place. u just need to make sure you get the right size aluminum frame. You save even more if you can pick up parts in USA as i did. if its only 2-3 screens get it done.

Interest rates have finally risen as of today, the real excitement is how many more times by year end.

FeelsAmazingMan

Anyone know how long before HELOCs also start to get bumped up? I guess it's the specific banks discretion when to do it

i had somebody local come , take measurements and install.

Do you have the name of the business? I wanna get a quote to get this done.

I'll check and see if I still have their business card.

As long as my TFSA rate of return is higher than my variable mtg rate, I should be putting extra money into TFSA instead of paying down mtg right?

So say my avg RoR is 5%/yr, I shouldn't pay down mtg until my var rate goes up to 5%?? Does that math check out?

I always do both. Paying down my mortgage is guaranteed and gives me further equity in real estate. Also, just general piece of mind which can't always be calculated.

My wife and I put money in our TFSA's, RRSP, and pay the mortgage down. It doesn't have to be an either or.

Well your home equity will go up regardless of you making extra payments or not. It just depends on if you want to save on the interest. But high inflation is basically paying your interest for you right now. And all that equity is tied down in your mortgage (home value) that you have no access to unless you have a large heloc or sell. :accepted: let's see what Putin does but I don't see high inflation going away anytime soon

Haha, my TFSA is all tech stocks so I'm getting crushed this year. Despite that I'm pro-investment over pay down the mortgage but totally understand folks who like the peace of mind of paying down their mortgage - paying down was my approach up until a couple years ago when my financial stability got to the point where I felt I could take on more risk.

at today's rate, it doesn't really make sense to pay down principal unless you are doing the smith maneuver but I do know some people cant stomach the burden of debt.

The one in Bel Air just sold for 141 millions at auction setting a world record. Only 5 people bid on the house. The winners name will be released on the 8th.

Anyone have experience removing an owner from a joint ownership of a house? Need to remove my dad from our family house since he's no longer with us.

I'm reading this post here and it says we need a legal profession? I'm guessing we need to go to a real estate legal office? Any big fees?

https://ltsa.ca/property-owners/make...-to-ownership/

Or can I just fill out this Fee Simple form? https://ltsa.ca/wp-content/uploads/2...Fee-Simple.pdf

It should be automatic if it is a joint ownership.

"There are different ways to share ownership or tenancy on title. An interest in land may be held by multiple owners as joint tenants or as tenants in common.

The primary benefit of holding land as joint tenants is it carries with it a right of survivorship. So when a joint tenant dies the interest in land passes to the surviving joint tenants.

Another type of shared ownership is tenants in common. To remove an owner from title upon death requires application to the court to have the will proved and appointment of an executor.

If you are unsure, do a title search to confirm what your tenancy is on title. The title may state one of three options: joint tenants, tenants in common or nothing which means tenants in common. If the title is held in trust or you have further questions, please seek legal advice.."

So you'll have to make sure it is a joint ownership as opposed to a tenants in common.

Correct, you just need to complete this form and include a copy of the death certificate.

Looking at quotes to get a patio built in our backyard before summer, debating between going with pavers/retaining wall vs cedar plank. Any experience or preferences from this group?

Example of pavers:
https://www.allanblock.com/newslette...100_1849fx.jpg

Cedar plank:
https://www.frarylumber.com/wp-conte...-Deck-2012.jpg

FYI. Check with your municipalities Zoning requirements. any patio/deck over 2 feet typically requires a Building Permit and may count towards the site's lot coverage.

I personally like the stone.

With the wood deck, you'll have to maintain it as the wood will absorb water and rot if you don't take care of it.

no experience b/c i'm not baller enough to do it, but i imagine cost would be my driving factor. pavers would have more staying power as wood will need more maintenance unless you use composite which has more staying power, but if there's going to be a big gap underneath you'll have to ensure critters don't go under there.

with a retaining wall, iirc anything over 3' (or maybe 4') will require engineering sign off. maybe a civil guy on here can confirm that. i think rail requirements start with a 4' drop.

@bcedhk i believe you're right about over 2' requires permit in CoV iirc, i looked in a deck many years ago when i was addicted to watching decked out :lol

Good to know, but shouldn't be an issue its only going to be elevated a foot to 16 inches off the ground at most based on the slope in our backyard.

When i bought my place I had a similar decision, do I go deck, concrete or paving stones?

I went paving stones, I got a pretty good deal from a friend I couldn't have done it much cheaper myself for what he did it for and I didn't have to lift a shovel. Maintenance is easy, power wash it once a year and be done with it.

Did you have to build up a retaining wall or were the pavers set flush to the ground/lawn?

The biggest cost is having to build up a retaining wall as I have is that our patio door is elevated off the ground, and aeshetically we didn't like it simply sitting flush on our lawn.

Anyone have properties in Regina? Shoot me a PM, got some general questions.
Going down there this summer to grab a duplex or such :concentrate:

I don't but originally from there, there are some legit dangerous areas there straight ghettos with serious gangs. Know the area you're buying in.

Also Don't be suprised when your tenants do a midnight move and take all the copper pipes in the walls with them.