Monthly Archives: March 2010

Predicting Canadian Mortgage Rates

How are Canadian Mortgage Rates Set?… Variable mortgage rates and lines of credit move with the prime lending rate…. Fixed-Rate Mortgages move with the bond market…. Continue reading

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Landlords Rejoice! NY Times claims it is better to Rent than Buy

Rent or Buy? Every Tenant should be asking themselves this question. Actually a better question would be: At what point should a Renter stop saving and renting and buy property, if at all? Most Realtors, I suspect, will say as soon as you can afford to do so… Had I taken the article at face value when it was posted in 2008, I would have lost $100,000 in a three year period. Continue reading

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How to Give a Safety Talk (Introduction and Example)

…Supervisors or Safety Representative should be doing a weekly safety talk. Below is an example of a safety talk guide I created for people that worked under me…
In Ontario, the Occupational Health and Safety Act requires workers to be trained in health and safety on the job site. One of the methods used in training are the weekly Safety Talks (also known as Tool Box Talks). Construction Site Supervisors are responsible for ensuring that all workers on-site have the appropriate safety training. Once a week, The supervisor must ensure that a safety talk is given and recorded. The supervisor can do the safety talk or delegate it to the Health and Safety Representative. For those new to the talk, follow the Ten Point Guide Below. Please note that this is only a guide! Supervisors or Health and Safety Representatives may, in addition to weekly safety talks, discuss other items. If this in done, it should be noted on the Safety Talk Sheet. They must discuss the weekly item at a minimum. It is up to the Supervisor to set up the time during the week but it must be done during the week provided. Remember, in general, the purpose of a Safety Talk is to help workers RECOGNIZE and CONTROL hazards on the job site. Continue reading

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Roll Roofing is a Low Quality Product

Amazingly enough I could not find any signs of leakage (though without a doubt it had to be letting water pass) This is roll roofing after about 15 years. Imagine taking asphalt shingles and making a big roll out of it. It is the one of the least expensive way to cover a flat roof and the lowest quality. I automatically assume that any Flat Roof covered by Roll Roffing may need to be replaced within about 5 years. Continue reading

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