Our Blog

The Ontario government is imposing a provincewide "emergency brake" starting Saturday, but stopped short of a stay-at-home order, despite modeling showing such a measure could significantly curb the surge in COVID-19 case numbers and hospitalizations.   

The measure comes into effect as of 12:01 a.m. on Saturday, the province said in a news release and will be in place for at least four weeks.

"We are facing a serious situation and drastic measures are required to contain the rapid spread of the virus, especially the new variants of concern," Premier Doug Ford said in a statement.

"I know pulling the emergency brake will be difficult on many people across the province, but we must try and prevent more people from getting infected and overwhelming our hospitals. Our vaccine rollout is steadily increasing, and I encourage everyone who is eligible to get vaccinated. That is our best protection against this deadly virus."

The Ministry of Health reported another 2,557 confirmed cases of the illness this morning, which is the most on a single day since Jan. 22.

Restrictions will include:

  • Prohibiting indoor organized public events and social gatherings and limiting the capacity for outdoor gatherings to a five-person maximum — except for gatherings with members of the same household, or gatherings of members of one household and one other person who lives alone.
  • Limits on in-person shopping: a 50 percent capacity limit for supermarkets, grocery stores, convenience stores, indoor farmers' markets, other stores that primarily sell food and pharmacies; and a 25 per cent limit for all other retailers including big box stores.
  • No personal care services.
  • No indoor and outdoor dining. Take-out, delivery, and drive-thru options are allowed.
  • Prohibiting the use of facilities for indoor or outdoor sports and recreational fitness, with very limited exceptions.
  • The closure of day camps.
  • Limiting capacity at weddings, funerals, and religious services to 15 percent occupancy per room indoors, and to the number of people who can maintain two meters of physical distance outdoors. This does not include social gatherings associated with these services such as receptions, which are not permitted indoors and are limited to five people outdoors.

In hotspot regions like Toronto, the new measures are very similar to restrictions that are already in place. At a news conference Thursday afternoon, Health Minister Christine Elliott said that the province did not issue a stay-at-home order like the one from the start of the year, because officials saw then that it had "tremendous ill effect on children and adults."

Source CBC.ca Date: April 02, 2021

 

COVID-19 (coronavirus) in Ontario

https://covid-19.ontario.ca

 

How to book a COVID-19 vaccine appointment

https://covid-19.ontario.ca › book-vaccine

 

 

5 Mistakes to Avoid When Buying Your First House
 January 23 2019     Posted by Gary Bhutta


Buying a first home is a big step, both financially and personally. In the long run, home ownership can lead to many other investment and and financial opportunities. Of course, owning a home also gives a sense of pride and accomplishment that is matched by a very few other things in life. However, the path to home ownership is not an easy one. There is a slew of potential mistakes and pitfalls that you must avoid when buying your first home, such as: 

Not working with an agent

It is possible to purchase your first home without the use of an agent - but it is certainly not advisable. This is especially true when you consider that the seller will almost always have an experienced real estate agent on their side to help with negotiations. The seller's agent is always working to serve and protect their client's interest, and not yours. Since you don't want to be unduly disadvantaged, it is a good idea to have your own agent who can protect your interests in the transaction. Your bank account might just thank you later.

Choosing the wrong mortgage

The world of home lending is vast, and there are many different products and services available in the market. These products are designed to suit an array of different financial circumstances. As such, it is important to choose the right product for you. Make sure that the loan type you have selected is within your means. If you are ever unsure you should speak to a mortgage lender or financial adviser who will be able to point you in the right direction. A bad decision at this point could potentially cost you tens of thousands of dollars in the long run. 

Blowing your budget on a house

Lenders often determine whether or not something is affordable based on your credit score, tax documentation and spending history. Sometimes, this can mean a loan approval which is more than you can realistically afford. You should be cautious when this happens - spend within your means, as defaulting on a home loan will have disastrous results, including foreclosure of your home. Put simply, just because a lender is willing to give you a bunch of money doesn't mean you need to spend it. Buy something you can afford instead.

Not shopping around

When you are in the market for a new home, make sure to shop around and look at multiple services, prices and options before making any decisions. This applies not only to the home you will buy, but also services such as financial lenders, real estate agents, lawyers and accountants. Shopping around not only gives you a better sense of the market, but also can be used as leverage against other providers to potentially negotiate a more favorable deal. 

Buying after one visit

A home is not like a home appliance or electronic gadget - it is a commitment that you are going to keep for a long time. That being the case, it probably isn't the wisest decision to purchase a home after just one visit (although it is still done by many in the market). Instead, try to visit the property multiple times over several different days to get a true sense of the home and the neighborhood. Of course, you should also make sure that you conduct a thorough inspection of the critical parts of the house (foundations, structure, roof) to ensure everything is up to standard before buying. 

Purchasing your first home is no easy task. However, by avoiding the mistakes listed in this article you will be able to make the process that much more straightforward. All you will have to do is lay back and enjoy your new home.


Bookmark and Share