Renovation Leads to Separation – Staying Together After All the Work is Done

by: Rosalin Smith-Carr on August 21st, 2009

If you’re thinking about moving ahead with a home remodelling project, the following are some factors to consider. This is tried and true advice gleaned from over 25 years of consulting with clients in Toronto on home buying, moving, selling and renovating. It will not only save you financially, but emotionally as well. Speaking of emotions . . .

Toronto Home Remodelling: Can Your Family Afford the Emotional Cost?
There is an old idiomatic expression in the real estate industry that goes, “Renovation leads to separation.” This is especially true if the family inhabits the home while the renovation is taking place. Noise, dust, cramped quarters and dealing with unreliable contractors take a huge toll on even the most stable relationship.

This is added stress on top of professional responsibilities, child rearing and other day-to-day pressures. This is why I have always found that the most important factor to consider when deciding whether or not to renovate is not the financial cost, but the emotional cost.

After all, what good is a newly renovated home when there is no family left intact to enjoy it?

Toronto Home Remodelling: When It Makes Sense to Move Forward
If your family is prepared to weather the emotional toll, following is when it makes sense to move forward with a home remodelling project.

You Love Your Home: This is probably the best reason. If you love the basic bones of your house, its location, and the feel of the neighbourhood, then remodelling makes sense – if it’s within reason (which we’ll discuss in just a bit).

The Costs are in Line with the Neighbourhood: You can easily spend too much on a home renovation project. Following are two questions to ask that will help you keep costs in line with your desires.

The first question you need to ask – and answer – before proceeding is, “Does it make sense to spend this amount of money, on this home, in this area?” You want to be able to answer “yes” emphatically. The second question is, “When all the work is done, will my home be the most expensive home on the street?” The answer to this question should be “no.”

The reason is, any improvements you make should be those that a future buyer will be willing to pay for.

Remember, potential homebuyers pay relative to what other homes in that vicinity have sold for. So no matter how much that slate tile in the master bath costs or how great it looks, if it puts your home in the “most expensive” category, it’s unlikely you’ll recoup what you spent.

Toronto Home Remodelling: Make Sure Moving Is Not a Better Option
As renovating can get expensive – quickly - sometimes it makes sense to move. To illustrate, consider this: let’s say you own a beautiful two-bedroom, semi-detached home on a lovely, quiet street. You need a third bedroom and would like to have a family room on the ground floor. You’d also like a pool.

Do you think it would be a good idea to have all of these changes and additions done to your existing home? My experienced opinion is, “Probably not.” Why?

These are significant changes. You’re not remodelling, you’re rebuilding. In real estate speak, changes like this make you a classic “move-up buyer”; one who wants a detached home with a private driveway and a larger lot size. It would be better to buy a home with these features than remodel your existing one.

Toronto Home Remodelling: Get First-hand Advice before Making a Final Decision
No matter what your decision, get some helpful first-hand advice before making it. Seek out the following three people:
(i) an experienced, local real estate agent. They’ll be able to advise you on tangibles like resale value;
(ii) someone who has gone through a similar home remodelling project. They’ll be able to tell you what to expect, e.g., cost, how long it’s going to take, recommend contractors, etc.; and
(iii) a contractor who can provide you total costs for your Toronto home remodelling project.

Plan offers tax credit for home renovations

Flaherty floats idea before meeting with premiers today

STEVEN CHASE AND BRIAN LAGHI

From Thursday's Globe and Mail

January 15, 2009 at 4:00 AM EST

OTTAWA — The Harper government has been floating the idea of a tax credit for home renovations - an idea that could deliver significant stimulus for Canada's residential construction industry in the Jan. 27 budget.

Deliberations continue as Canada's premiers meet today in Ottawa to put the final touches on a budget request for Prime Minister Stephen Harper - one that sources say will include more cash for employment training, more benefits for the jobless and extra funding for infrastructure.

Finance Minister Jim Flaherty, meanwhile, has been conducting his own consultation on the looming budget, expected to deliver up to $30-billion in stimulus to soften an economic downturn.

During a closed-door session in Montreal last week, Mr. Flaherty asked participants' opinion on a partly refundable tax credit for renovations. Some economists among the more than 20 attendees criticized the proposal while representatives of the building-trades sector lauded it. Tax credits can be used to reduce the amount of taxes a person owes to the government, but refundable tax credits can benefit filers even if they have no taxes to be paid; in that case, they could get a refund based on the credit.

Enlarge Image

Finance Minister Jim Flaherty.(Nathan Denette/The Canadian Press)

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The federal Finance Department looks favourably on stimulus spending that helps builders, in part because so many of their materials are made in Canada. This ensures more benefits of stimulus spending remain in this country than if the money goes to taxpayers in the form of rebates to spur consumption. There's a good chance that consumer spending would leak the benefits of stimulus to foreigners: 50 per cent of durable goods bought in Canada are imported.

"[By] contrast, only 20 per cent of investment in residential and non-residential buildings is imported through such inputs as building materials," the Finance Department said in its recent paper on stimulus.

One important decision Mr. Flaherty will have to make should the Tories proceed with this idea is whether to offer a tax credit for home renovation in general, or merely for retrofits and upgrades that increase energy efficiency.

Toronto Dominion Bank chief economist Don Drummond said stimulus for home renovations would be helpful because there's a limit to how many public works projects Ottawa can kick start soon.

"There's only so much of the big infrastructure stuff you can get going in 2009 and 2010," Mr. Drummond said.

"We are past the peak of employment in the construction industry, and those people are going to be getting laid off."

One drawback of programs such as subsidies for retrofitting and house refurbishment is that they are typically difficult to administer, hard to monitor and susceptible to fraud.

In Ottawa, the premiers plan to ask Mr. Harper when they meet with him tonight and tomorrow for more infrastructure money and increased flexibility in spending it.

The Harper government has committed itself to $33-billion over seven years, and is pledging to accelerate that spending. But premiers want the government to add to the overall global total.

Governments also appear close to an agreement to streamline environmental requirements for infrastructure projects. Ontario is particularly concerned for Ottawa to find a way to increase benefits for the unemployed and not just money for worker training. Toronto wants more workers to be able to access benefits.

Premiers will not put a price tag on their requests. "Most premiers are not looking to jam up the feds and put an astronomical number they can't meet," the source said.

Canada's municipal governments yesterday released a list of more than 1,000 infrastructure projects that they say could start this spring if federal funds become available.

Combined, the projects would create more than 150,000 jobs, the Federation of Canadian Municipalities said in a release.

Joe Switalski's lessons in renovation

December 26, 2008

Lessons in renovation

Joe Switalski learned a lot from his renovation. Here are some of his tips: Think vertically in a small space. He reclaimed lost space over the old cabinets by replacing them with 42-inch-tall, honey birch cabinets that reach the ceiling.  Make windows look taller to give an illusion of height. He hung silk panels near the crown molding above the dining room windows. Celebrate original details. Rather than sanding the original knockdown plaster walls, Switalski embraced them. He painted the inside of the house a light tan, except for the back wall of the dining room/kitchen, which he painted deep, rich brown.

keep the lighting soft. He installed dimmers on every light in the house.  Save money with minor changes.Switalski saved the charm (and money) in the bathroom by keeping the original ceramic, aqua blue tile framed with a black, bullnose edge. The aqua-toned mosaic floor and white bathtub are also original. When he added a white pedestal sink, he moved the medicine cabinet to the side wall and replaced it with a large mirror that reaches the ceiling. Don't forget curb appeal. He paved the driveway, carport and curved path that leads to the front porch with Old Chicago brick-style pavers. Four-inch tumbled marble, similar in color to the pavers, cover the formerly cement porch. A bronze bistro table with two matching chairs and a pineapple porch light welcome visitors. 

The Reno Coach

Canadian Institute Construction Superconference

Knowing what your policy covers ‘imperative,’ insurer says

DAN O’REILLY

correspondent

While insurance is indispensable for construction projects, just having coverage isn’t enough, says a leading provider of insurance services.

With the numerous risks that are inherent in construction, it is imperative owners, contractors, designers and other industry professionals be thoroughly familiar with what their insurance covers, said Barry Smith, senior vice-president, Marsh Canada Limited.

The first step in that process is identifying those risks such as potential damage to adjacent property, losses causes by both excusable and inexcusable delays and damage to contractors’ equipment, especially for not-easily replaced machinery.

“Some equipment can be very expensive. If a large piece of equipment is damaged and the contractor can’t purchase another one, what will happen to the project?”

Barry Smith

Transit and marine cargo insurance is also important when the project requires the long-distance transport of expensive equipment from the manufacturer to the job site. An example might be the three-month ship transport of a chiller. “What happens if the ship sinks or is attacked by pirates?”

Smith was one of the speakers at the Canadian Institute’s Construction Superconference held recently in Toronto.

He also advised people to obtain transit insurance when materials and/or equipment can’t be stored at the building site.

A thorough review of both car and truck insurance, especially how it pertains to vehicles on and off site, is always a good idea. “There are a lot of heavy trucks driving around.”

Automobile insurance covers physical damage to vehicles, as well as third-party bodily injury and property damage, said Smith. “It should cover all vehicles, owned, leased or licensed and should be provided by all parties to the construction project.”

Touching on the diverse nature of building construction, Smith advised the audience to thoroughly understand the different insurance requirements for new construction versus renovations work.

In renovation projects, contractors are usually responsible for damage to the structure. They may be covered under builders’ risk policies. But insurance often becomes expensive if the building’s value is more than that of the renovation, said Smith.

Contractors “need to deal with a broker that specializes in construction insurance.”

Rundown cabin is not just for anyone

REAL ESTATE: TORONTO ISLANDS

You have to be on a special purchasers list even to be in the running for this small house on Ward's Island

MARINA JIMÉNEZ

December 8, 2008

While housing prices have taken a recent tumble, an old wooden cabin going for $22,900 on the Toronto Island on Lake Ontario still seems like an absolute steal.

The chocolate-brown house on Ward's Island is one of just 262 in North America's largest car-free community, just a 10-minute ferry ride away from the heart of downtown, with a stunning view of the skyline.

But No. 12 Second Street isn't on any real estate listings, and not just anyone can put in an offer. The price is fixed (and doesn't include $48,825 for the lease), and you have to be on a special "purchasers list" to qualify as a potential buyer.

Even still, the cabin is a definite teardown, with a rodent-sized hole chewed through a front-facing log, piles of dead leaves on the deck, cobwebs around the window screens and a contented community of raccoons living at the back. 

"It's totally unrealistic to think you can get a livable house for $22,900," said Pam Mazza, a long-time Island resident. "What you're really buying is an opportunity to live on the Island, to live on a land trust and to be serviced by a boat."

The Island offers a unique blend of urban and country living. Blustery in the winter, it is an idyllic spot in summer with clean beaches and bike trails that run its entire length. It maintains a rare sense of neighbourliness, and is at once safe, tranquil and spirited, attracting artists, writers, professors and teachers.

The Island, which used to be municipal land, was transferred to the province through a land swap in 1993 to resolve a long-standing dispute between Island residents and Metropolitan Toronto, which wanted to turn their homes into parkland. The Toronto Islands Residential Community Trust Corporation was created.

Whenever a house comes up for sale, it is offered to the first 100 people on a list of 500 potential purchasers. Openings on the list are filled through a lottery system.

The Trust board, composed of two island residents and four provincial bureaucrats, acts as the intermediary between buyer and seller. Once the sale offers go out, potential buyers are given several weeks to respond, and the sale is awarded to the person who holds the lowest number on the list.

There is no negotiation about the price, which is based on the replacement cost, and determined by a set formula. "When you have a trust, you don't participate in market real estate forces and there are no windfall profits," Trust chairwoman Ellen Allen said.

Yesterday, a man who is No. 64 on the list came by to look at the most recent listing, which sits on a 40-foot-by-50-foot lot. "He's been on the list for 14 years," said Ruth Howard, who lives across the street.

Even though renovation costs are 30 to 40 per cent higher than in the city, because of the logistical difficulties of bringing in construction materials, turnover of residents is very low. "Living here isn't necessarily a good financial deal," Ms. Howard said. "It is the lifestyle."

A retail-free zone, there are no shops, dry cleaners or grocery stores here, although there is a primary school. Residents get around by bike and haul their groceries in wagons from the city.

Originally, the Island was a sandy, marshy peninsula. However, in 1858 a major storm cut through the narrow eastern neck and created an island. It was first populated by fishermen, but soon cottages were built and by the turn of the century the summer population had reached between 1,000 and 3,000, and included prominent Toronto families such as the Masseys and the Gooderhams, according toThe Essential Toronto Island Guide, by long-time residents Linda Rosenbaum and Peter Dean.

In the 1950s, the Metro government wanted to turn the entire island into a park, and bulldozed 750 homes at Hanlan's Point. The remaining islanders put up a fight to save their community, a battle that wasn't settled until the land swap in 1993. The Island remains a very popular place to live.

"We can't guarantee there will even be a house sold every year," said Ms. Mazza. "If you're in the first 100 on the list, you'll likely get a chance to put in an offer. But you won't get the house unless the other 99 people ahead of you don't want it."

It took 90 minutes for Daily News to 'steal' the Empire State Building

BY WILLIAM SHERMAN
DAILY NEWS STAFF WRITER

Tuesday, December 2nd 2008, 10:46 PM

Egan-Chin/News

Daily News reporter William Sherman in front of the Empire State Building.

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ARTICLES

• PDF: Deed of Empire State Building sale (Page 1)
• PDF: Deed of Empire State Building sale (page 2)
• PDF: Fake notary stamp
• Dead man gets mortgage worth whopping $533G

In one of the biggest heists in American history, the Daily News "stole" the $2 billion Empire State Building.

And it wasn't that hard.

The News swiped the 102-story Art Deco skyscraper by drawing up a batch of bogus documents, making a fake notary stamp and filing paperwork with the city to transfer the deed to the property.

Some of the information was laughable: Original "King Kong" starFay Wray is listed as a witness and the notary shared a name with bank robber Willie Sutton.

The massive ripoff illustrates a gaping loophole in the city's system for recording deeds, mortgages and other transactions.

The loophole: The system - run by the office of the city register - doesn't require clerks to verify the information.

Less than 90 minutes after the bogus documents were submitted on Monday, the agency rubber-stamped the transfer from Empire State Land Associates to Nelots Properties LLC. Nelots is "stolen" spelled backward. (The News returned the property Tuesday.)

"Crooks go where the money is. That's why Willie Sutton robbed banks, and this is the new bank robbery," said Brooklyn Assistant District Attorney Richard Farrell, who is prosecuting several deed fraud cases.

Of course, stealing the Empire State Building wouldn't go unnoticed for long, but it shows how easy it is for con artists to swipe more modest buildings right out from under their owners. Armed with a fraudulent deed, they can take out big mortgages and disappear, leaving a mess for property owners, banks and bureaucrats.

"Once you have the deed, it's easy to obtain a mortgage," Farrell said.

Many crooks have done just that:

- Asia Smith stole her 88-year-old grandmother's house in Springfield Gardens,Queens, pocketing $445,000 in mortgages she took out.

"Her grandmother raised her," said Queens Assistant District Attorney Kristen Kane. Smith, 22, was arrested last December and is serving a one-year jail term for fraud.

- A man posing as someone who had been dead for 19 years deeded the dead man's property to himself. He then sold it to the scheme's mastermind, who took out a $533,000 mortgage and vanished with the cash.

- Toma Dushevic managed to steal seven dilapidated city-owned buildings inBrooklyn 10 years ago.

He got renovation permits, fixed up one of the buildings, and rented out apartments. He sold another building for $250,000 and ran his scam for nearly two years until he was caught. Dushevic returned the buildings and did 18 months behind bars.

The FBI says financial institutions filed 31% more Suspicious Activity Reports involving mortgage fraud last year than in 2006. Nationwide, lenders' losses totaled $813 million, and New York was one of the top 10 mortgage fraud states.

The Renovation Consultant

Dead man gets mortgage worth whopping $533G

BY WILLIAM SHERMAN
DAILY NEWS STAFF WRITER

Wednesday, December 3rd 2008, 1:37 AM

HMPeterson

Willie Thomas

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ARTICLES

• It took 90 minutes to 'steal' the Empire State Building

Eugene Thomas had been dead 19 years as of Sept. 13, 2007.

On that day, "Thomas" showed up to sell his Jamaica, Queens, house to a man named Tolessi Enyonam - and lawyers, a mortgage broker and a title company representative at the closing found nothing wrong.

They didn't care much about ID, either: The buyer and seller presented green cards as identification.

At the closing, Enyonam also took out a $533,000 mortgage fromWells Fargo bank on the Union Hall St. house.

The deed transfer and the mortgage were duly recorded by the office of the city register.

The transactions have since blown up.

"Thomas" was con man Willie Thomas, who was paid about $1,000 for his brief acting stint, according to Queens Assistant District Attorney Kristen Kane.

While Tolessi Enyonam does exist - and Enyonam is a woman, not a man - she's not the person who bought the house and took out the mortgage.

"We don't know who that person is," said Kane, explaining that the male mastermind of the scheme stole the real Enyonam's identity for use in the transactions.

The scam chief replicated the real Enyonam's green card so it had his photo on it.

"Then, he disappeared with the mortgage money," Kane said.

Willie Thomas has been charged with grand larceny.

Prosecutors say they have since learned that others were involved in the scam, including an accountant, a city clerk and a disbarred lawyer.

Authorities say the ring stole another house in Queens and a third house inBrooklyn for a total mortgage takedown of $1.4 million.

In the aftermath, the real Tolessi Enyonam's credit has been ruined, and the bank is foreclosing against Eugene Thomas' widow, Dorothy, 74, who has lived at the Jamaica house for more than 30 years.

"I don't know any of those people, never met them, never heard of them," Dorothy Thomas said. "It's unbelievable what happened." 

www.the-reno-coach.com

Ontario builders seek relief in budget

Ontario builders seek relief in budget

TORONTO STAR GRAPHIC

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TONY WONG 
BUSINESREPORTER

Ontario Premier Dalton McGuinty's top priorities in the upcoming 2009 budget should be job creation and infrastructure projects in an effort to stave off a devastating slowdown in the economy, according to the province's property developers.

A survey by the Ontario Home Builders' Association found more than a third of builders expect to lay off staff for 2009.

"People will continue to work and we can ensure adequate roads, transit and residential services are upgraded and expanded," OHBA president Frank Giannone said.

Job creation, infrastructure spending and personal and corporate tax reductions were the top three priorities identified by home builders. A balanced budget was in fourth place. Financing in tight credit markets was another issue.

About 47 per cent of home builders surveyed said availability of financing was down. A third also said they had difficulty financing new home and renovation projects.

Meanwhile, separate reports released yesterday show the housing market hasn't hit bottom yet.

"Issues affecting the overall economy are impacting housing markets across the country and the situation is not expected to be remedied until consumer confidence is restored," ReMax Ontario Atlantic Canada executive vice-president Michael Polzler stated in a report.

ReMax is forecasting average prices across Canada will fall 3 per cent this year and 2 per cent next year to $293,000.

Other forecasters however, are taking a gloomier view.

Carl Gomez, vice-president of research for real estate consultants Bentall Investment Management, said prices have to fall nationally by at least 10 per cent from their peak to return to normal valuations. In Alberta and British Columbia, where prices have gone up a lot quicker than the national average, values may have to fall by as much as 30 per cent. However, prices may fall further than that as the market seeks to correct itself, Gomez stated in a report released this week.

"All markets in Canada are facing deteriorating economic conditions that are likely to either accelerate or cause a larger than required cumulative decline in house prices."

Prices in Ontario are about 10 per cent overvalued, but could fall further depending on economic conditions, Gomez stated.

"The recent deterioration of macro economic conditions and the potential for deflation to affect all asset prices in the current environment could potentially result in Ontario home prices falling by even more than the expected 10 per cent," Gomez stated.

Globally, Canada is in better shape than other industrialized countries because home prices increased far more moderately, by about 80 per cent between 1997 and 2008, according to the report.

By contrast, Britain and Spain saw increases of 200 per cent in the same period. United States house prices jumped 190 per cent between 1997 and 2006 before crashing in 2007.

Another, tough-minded report yesterday by the Center for Economic Policy and Research in Washington says U.S. house prices must fall further to stabilize the market.

"Prices in many markets are still hugely out of line with trend levels," it said.

"As long as house price remains inflated there is no way that the market can stabilize since there will continue to be a large excess supply."

The best way to stabilize house prices is to deflate the bubbles by allowing government-sponsored enterprises such as Fannie Mae and Freddie Mac to refuse to buy mortgages in markets in which house prices are out of line, said the U.S. report. ."

Bathroom Renovation: Still Popular In Todays Housing Market

Double Bathroom Vanities Top Of The Line Bathroom Furniture

Toronto, CA 12/01/2008  

With homeowners significantly scaling back their remodeling plans or scrapping them altogether in light of a floundering economy, many are finding ways to create the bathroom of their dreams while avoiding the excessive costs of full-scale renovations – by opting for double bathroom vanities from www.the-reno-coach.com

Bathroom renovations are expensive. The cost to renovate even a small bathroom averages at least $20,000. A bathroom remodel, though, is also among the most valuable renovations one can make to a home.

Many leading economists expect the current financial crisis to last for some time, but the need for homeowners to renovate their bathrooms isn’t dropping with the stock market. But homeowners don’t have to forestall their remodeling plans.

With such a wide array of styles and sizes available, finding a double bathroom vanity to fit an existing bathroom, or the bathroom of your dreams, at a fraction of the cost of a full remodel at  is a snap.

Replacing existing vanities, or expanding a single vanity to a double vanity, can significantly upgrade an existing bathroom.

A double bathroom vanity is a perfect for master bathrooms. They offer more storage and the ability to use two sinks at one time – solving morning conflicts over who gets to use the sink first and ending battles over drawer space.

TradeWindsImports.com offers numerous traditional, antique and contemporary styles. The wood, color and metal finishes available can fit any bathroom’s motif. All of the vanities come complete with countertops and sinks, with many offering a number of faucet styles.

Double bathroom vanities from  make remodeling a bathroom simple and affordable without scrimping on quality. The vanities can be easily installed in one day without having to hire a contractor and cost a fraction of the price of a bathroom remodel.

What’s more, double bathroom vanities from  are durable and easy to maintain. They are sure to add a more luxurious feel to any bathroom.

Enhancing a bathroom with considerable improvements can be done easily and without breaking one’s budget. For a complete listing of different styles and designs, installation guides and more bathroom renovation ideas, 

visit www.the-reno-coach.com

 

Incomplete home renovations

Incomplete home renovations
Hard-up developers are giving up on unfinished homes, meaning a tidy profit for the next buyer

Susan Emmett
Pen y Bryn sits in a beautiful spot in the wilds of North Wales. Set in a bowl of rolling hills, with stunning views, it is an ideal location. Yet the condition of the property, which looks like a cross between a medieval castle in ruins and the remains of an old mine, is less than attractive.
It could be perfect – if only the work were complete. Sadly, the credit crunch and the banking crisis have taken their toll on the owners, Paul Hilton, 42, a sculptor from Liverpool, and his wife, Harpal Rai, 39, a fashion buyer. They cannot afford to finish the job.
“There is a huge amount to do,” Hilton says. “In the current market, there is no incentive to spend money I haven’t got finishing the place. Something has got to give.”
The couple’s mounting debt – they are also trying to sell their permanent home – means they cannot continue with their ambitious plans or dream of moving to a house in the country any time soon. They have had little choice but to call in the estate agents. The property is for sale at £350,000: still considerably more than they paid for it, but nothing like what they had hoped for.
www.the-reno-coach.com

How to Work Best with Your Renovation Coach

How to Work Best with Your Renovation Coach
By:Reiner Hoyer
Remodeling in Toronto is an exciting and rewarding experience. There are a lot of beautiful homes and apartments ready and waiting to accept a makeover!

The hardest choice is where to begin and then how to fit all the project components together to ensure you are completely happy with the outcome - within your desired time frames and within budget.

Remodeling may come easy to you and you may complete your project quickly and on budget. Or you may be like the rest of us and have a great plan, but no idea about how to begin to initiate the process - have you ever thought about hiring one of the highly qualified Renovation Coach in Toronto?

The thought of hiring someone to do something you think you should be able to do yourself is sometimes a little difficult, but how can a Renovation coach in Toronto help you?

Well to begin with, the job of a Renovation Coach is to act as a 'middle man', they find the best contractors available to do the particular job you need completed. General contractors are responsible for finding you the best most qualified contractor available that will help you to complete your dream remodeling project.

So you have decided to use some of your budget to access the services of a Renovation Coach to help you to complete your dream project, you need to get the best results for your money - but how?

The first thing you will need to remember is that you have to be ready to be completely open and honest with your communication. You will be relying on this person to achieve maximum results for you and you need to develop trust early in the relationship.

There are a number of things that you can do to establish a trusting relationship. You may begin to research the availability of good Renovation Consultants in Toronto with friends and family or perhaps at work. If people can recommend someone the next obvious step is to view their work, either in person or by looking at photographs, and then discuss in detail the overall professionalism of the Renovation Coach to get a better understanding of their work ethic. If you don't know anyone who has accessed the services of a Renovation Coach in Toronto, then do your own research, look for someone who specializes in the projects you require, set up a meeting with them and view their work.

The next thing you should do (if you haven't already) is confirm your plans. What do you want to achieve for your space, how much money do you have to spend and what time frames do you have in mind. Without these basic decisions, your project will either not begin or will end up costing you a lot of money and time!

Ensure you have details about the size of the space you want to change, information about your building and any building permits or local regulations that you need to abide by. Do the research! Make it easy for your contractor and put together a book of ideas full of your favourite materials, fabrics, colors and fittings! Take photographs of existing spaces that friends and family live in, visit art galleries to get a better idea of colors and textures, and really research thoroughly what you want.

A good Renovation Coach will help you to access sub contractors and products quickly and easily, and will be worth the money so that you can spend more time worrying about other things in your life. In saying this, however, verbally stress the importance of your budget and time frames - you don't want to spend more money than you need to.

Renovation Coaches have so much knowledge and access to the latest products, materials and technologies, try not to get too carried away with what they offer. Be really clear and upfront with all items that will potentially cost you money, no matter how attractive they appear. Hiring the services of a Renovation Coach has the potential to make your life stress free for the duration of the intended remodeling project.

If you embark on your project with a positive attitude, have a clear understanding of what you want and need, stick to your budget and time frames and maintain an open level of communication with your contractor you will be happy with the end result.
The Reno Coach

Permits proposed to curb renovation hassles

Permits proposed to curb renovation hassles
Helaine Becker came home from a trip a few years ago to find a neighbour doing a major renovation had built a construction fence down the middle of her driveway.

"They had the fence for nine months. They damaged our car, they flooded our basement and we never did receive any compensation for the damage," Becker said in an interview at City Hall.

Her family would have had to take the neighbours to court, she said; that would have been time-consuming, costly and stressful.

Toronto's licensing and standards committee decided yesterday that a permit system is needed to help homeowners like Becker who live next door to problem renovations.

Frequently, homeowners have to use their neighbours' property temporarily to put up scaffolding or move equipment when doing major excavation or construction.

A patchwork of rules across the city govern the neighbour's right to access, but most say your neighbour has the right to temporary use of your property if there's no other way to do the work.

Usually, neighbours work out an agreement. But when that doesn't happen, says the committee, the homeowner who is doing the work should have to get a permit and state how long the project will take before using the neighbour's property.

Under the proposal – which must still be approved by city council – the affected neighbour would get a chance to comment and city staff would inspect the property. The homeowner doing the work would have to promise to repair any damage done to the other property and post a deposit.

If the work isn't done by the deadline in the permit, or repairs aren't carried out in a timely way, the city could move in and do the repairs, keeping the deposit and charging any excess costs to the offending homeowner's property tax bill.

City staff said similar bylaws are already in place in Ottawa and Windsor. Only a handful of permits are issued each year because neighbours usually work things out on their own.

They estimated that no more than 100 permits a year would be needed in Toronto

Going Green on Renovations

Majority of Ontarians willing to spend more on a home with environmentally friendly features to save money in the future, according to TD Canada Trust Green Home Poll

TORONTO, Sep. 29, 2008 (Canada NewsWire via COMTEX) -- TD | Quote | Chart | News | PowerRating -- While we're not seeing solar panels and windmills on front lawns yet, the majority of Canadians are environmentally conscious when purchasing a new home or renovating their home, according to the second annual TD Canada Trust Green Home Poll. The biggest incentive for those Ontarians willing to spend more on environmentally friendly features is the potential saving on future energy bills (64%).
"Despite a slowing economy, two-thirds of Canadians are willing to pay more for a home that includes greener features," says Joan Dal Bianco, Vice President, Real Estate Secured Lending, TD Canada Trust. "This number is down only slightly from 2007, which shows that even when times are a bit tougher, the environment is still important to Canadians."

Fifty-nine per cent of Ontarians (57% of Canadians) are willing to spend 5 to 10% more on a home that includes environmentally friendly features. Although improving the state of the environment is an important factor, Ontarians say that what matters most when renovating a home is saving money in the future (44%), followed by the resale value of their home (30%).

"With the average Ontario home price at nearly 300,000, the fact that some Canadians are willing to spend 5 to 10% more on a home with green features is an indication that people are committed to environmental responsibility, especially energy savings down the road," says Dal Bianco.

Almost all Canadians are making their current homes more environmentally friendly. In fact, 93% of Ontarians have made improvements or will be making improvements in the next 12 months. The top improvement to making their home greener is replacing regular light bulbs with CFL light bulbs (76%), followed by applying weather-stripping and caulking to stop drafts (57%) and replacing, kitchen appliances with more energy-efficient models (53%). Eighty-two per cent of Ontarians have made or plan to make three or more improvements this year (77% nationally). Older Canadians (55 plus) are taking the most action when it comes to environmentally friendly home improvements.

Not surprisingly, environmental friendliness in and out of the home is key for the majority of Canadians. Results from the first TD Friends of the Environment Foundation 'How Green Are You?' Survey, conducted in May 2008, also revealed that Canadians take their environmental commitment seriously. According to the poll, 93% of Ontarians report that they recycle, with 49% of respondents stating that they recycle everything and 44% recycling when convenient. Overall, the 'How Green Are You?' Survey found that when it comes to being environmentally responsible, 98% of Ontarians give themselves a passing grade (compared to 96% nationally). When asked to grade their environmental friendliness, 27% gave themselves an "A" and 55% gave themselves a "B." Only 1% gave themselves an "F" and said that they did not really care about the environment.

The TD Canada Trust Green Home Poll found that nearly all Canadians feel that the government should create initiatives to make residential construction greener. In fact, 94% of Ontarians agree with environmentally friendly change being brought into building codes for new buildings and 83% agree with building code changes for renovations. Canadians are less likely to agree with government initiatives if they directly have to pay for them. Sixty-nine per cent of Ontarians disagree with a carbon tax for "non-green" homes.

Two-thirds of Ontarians (67%) would consider an environmental assessment prior to finalizing their renovation plans. Of those willing to consider an environmental assessment, 51% would pay under $400 for the assessment while one-third would like the assessment to be free.

Many banks offer incentives for homeowners either purchasing a home or renovating a home. TD Canada Trust has two Green Home products for those who are planning to purchase a home or leverage the equity in their existing home. Both the TD Canada Trust Green Mortgage and the TD Canada Trust Green Home Equity Line of Credit (HELOC) offer a lower interest rate and rebates on certain purchases, while giving back to the environment. The cost of a residential energy efficient assessment is eligible for a rebate.

About the TD Canada Trust Green Home Poll

The TD Canada Trust Green Home Poll surveyed adult Canadians from across the country, to explore the relationship between the environment and home purchase or home renovations. The survey was conducted by Angus Reid Strategies on July 31, 2008 with English and French speaking Canadians 18+, using the Angus Reid Custom Express. The sample size includes 1,000 men and women.

About TD Bank Financial Group

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group is the seventh largest bank in North America by branches and serves approximately 17 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking through TD Banknorth and Commerce Bank (to be known together as TD Bank); and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading on-line financial services firms, with more than 5.5 million on-line customers. TD Bank Financial Group had CDN$509 billion in assets as of July 31, 2008. The Toronto-Dominion Bank trades on the Toronto and New York Stock Exchanges under the symbol "TD", as well as on the Tokyo Stock Exchange.
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SOURCE: TD Canada Trust

What’s the most important lesson your objectivity has taught you?

What’s the most important lesson your objectivity has taught you?
I’ve come to realize that there’s something unpleasantly contentious about many jobs. People are pitted against one another early on, and echoes of that persist throughout the project. It starts with the bidding process, when you have finished drawings that builders compete from, and it so often boils down to “the number.” It sends a sort of dehumanizing message. I’d rather get the drawings 50 percent there and then bring in a few potential builders. You can get to know them better, and they don’t have to spend hours and hours drawing up a bid for a project they may never get. Once you settle on the builder, you can finish drawings with the benefit of their input. Basically, I’m a big fan of team play on a project.
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Succesful Renovation

1. Planning Renovations
Any project will be more successful, given well-defined goals. In every household project, the following three points can be applied:
FORM: What do you want it to look like?
FUNCTION: What do you want it to do for you?
COMPATIBILITY: What factors exist that might limit what you can do, and will the finished product look good on your house?
Once you've completed this part of your homework, it's time to decide if you'll built it yourself, hire a contractor, or be your own contractor and perhaps sub-contract some of the work. Sub-contracting may sometimes seem to over-complicate things and even look wasteful, but just remember - some jobs can look deceivingly simple until you actual get into the nitty-gritty of them. A general contractor's job is to co-ordinate and orchestrate the whole schmozzle to completion.
2. Finding A Contractor
My card...The process of finding a good contractor is essentially the same, whether you decide to hire a general contractor, or one or more sub-contractors. The best reference for a contractor is word of mouth from a satisfied client. If you don't know anyone who has had renovations or repairs done in the area you need, look for work trucks or signs in your neighborhood. Knock on doors, and ask the homeowners if they are satisfied with the work being done. Once you contact a contractor, ask for references, and follow through by calling their previous clients with a set of questions that will give you the information you are looking for.
The following are samples of questions that could be asked of any reference:
1. Did the job come in at the ,?
2. Did the job come in on time?
3. Was the work site left clean each day?
4. Was the quality of the workmanship satisfactory?
5. Was the quality of the materials used satisfactory?
It is always recommended that you talk to more than one company, so that you have a basis for comparison. Listen to their technical information, and note their customer relation skills. If the contractor doesn't do a very good job of communicating with you before you hire him or her, there may be a higher likelihood of miscommunications during the work.
Sometimes the best companies will be very busy and you will have to wait for their services. Other times, good companies may have time slots between large projects that smaller jobs can fit into. Ask what the company's schedule has been like for the past 6 months to a year. Reputable companies are usually busy all year round in any economic situation.
3. The Estimate, or Quote
Meeting the Contractors
Remember that the contractor you choose could be spending a lot of time in your home, so look for someone you feel at ease with. You should meet individually with each potential contractor. Be prepared to discuss products and designs; know what you want and how much you can spend. Take note if the contractors are on time, if they listen and answer questions, willingly give information about their company and their customers; and if they seem to have any aversion to your ideas.
The Estimate
This is where you'll likely make your choice of contractor. Each potential contractor will present a proposal, including design and cost information. Review the estimates, ensuring that they accurately relfect your wishes, and make comments and/or any changes that are required.
How Are Jobs Estimated?
Work that involves structural changes to the home, custom designs, or enlargement of some of the mechanical systems is typically quoted by the job. It can be very difficult for a contractor to know exactly how much time an intricate custom job will take, particulary if a number of trades are required, and the different parts of the job are interdependent.
Get it in writing!Simpler, straightforward jobs are often quoted by the square foot. Examples are laying sod, painting, roofing, drywall or refinishing floors. The quoted price will typically be set to include everything (ie. labour, materials, travel, etc.).
Smaller jobs may also be quoted buy the hour, and if the job is fairly routine, such as installing addtional electrical outlets or drywalling, the figures are typically in line. In this situation you will pay the tradesperson for time, plus the cost of the materials used in the project.
The Final Design and Quote
If you have a contractor with good references and the estimate looks good, you now need to get a firm quote, including final designs. The design should include detailed specifications for the work and the materials to be used.
(Another option is to have an architect or designer produce the plans and ask the contractors to bid on the job, based on these plans.)
Make sure the final specs are accurate and reflect your wishes, and make your final comments and changes. After you accept the final quote, the cost of further changes will likely be added to the job. Ask how long the stages of the work will take, so that you can monitor progress.
4. The Paperwork
Cash is King, however...
... take care, lest the cash deal of the century turn into the mistake of a lifetime! One reason for cash payment is the avoidance of paperwork and taxes. Taxes and other legalities aside, the absence of contracts and permits can be extremely risky.
Ooh, I love to save money!Cash contractors often don't pay Workers' Compensation fees, and you could be held legally responsible for any worker injured on your property. If the contractor gives you the product warranty cards, you'll be covered for defective materials provided they were properly installed, but don't expect good follow-up service on a cash deal. You would also have difficulty supporting any legal actions without any paperwork. The overall quality of a project may be compromised in the absence of paperwork, and cash paid in advance (rather than by cheque) will be all but impossible to retrieve if things go sour.
Building, plumbing and electrical codes may require that all or parts of your project be performed by licensed tradespeople, and sometimes licenses are required to obtain the permits. If the tradespeople aren't licensed, the contractor probably isn't insured. And if your contractor isn't insured, then depending on the nature of the job, neither is your house while he works on it.
The Contract
Agreements in writing are less vulnerable to miscommunications, than are verbal ones, and far easier to enforce. Some of the points included in a good contract are:
1. Full job description, including all aspects of the work; demolition, renovation, reconstruction and finishing.
2. Material specifications, including type, model, number, color, and size where applicable, and who's supplying what.
3. Start and finish dates.
4. Payment schedule; 40/40/20 is generally acceptable.
5. Permits, and who's responsible for obtaining them.
6. Clean-up and trash removal.
7. On site behaviour.
8. Change order clause: Have any changes to the original job specifications in writing with a requirement that you "sign off" any change before the work is performed.
9. Arbitration: Aree how disagreements will be handled before the work begins.
10. Contractor's insurer and policy number.
5. The Work MORE POWER!
Problem Avoidance: If you've carefully chosen your contractor, and made adequate preparations (including making the site ready for the trades people and workers), this part should be easy! The actual work should closely follow what was written into the contract, however you still need to monitor the ongoing project, and in some cases you'll be required to make additional decisions. There are often unforseen difficulties, or you may simply wish to ask for changes as the work proceeds.
Site Preparation: Remove furniture and stored articles from the work area, and cover carpets and other items that may not be moveable. It is in your own best interest to make arrangements for storage, clean-up and refuse areas convenient to the work area.
Project Coordination: Effective communication is the greatest secret to successfully completing any project. Maintain regular contact with your contractor(s) so that the unexpected can be dealt with expediently.
Hidden Conditions: A thorough inspection performed in conjuction with estimation should preclude any major changes, however there are structural and mechanical conditions initially hidden from view, which even the most experienced renovator may not be able to predict. Be prepared to negotiate changes for "hidden conditions".
What to do if a problem develops:
1. Bring all problems, perceived and real, to the attention of your contractor(s).
2. Is it major or minor? If minor, and the contractor is present at the time, discuss it and negotiate a resolution. If it's minor, and/or looks like it can wait, start a list of minor observations that you can bring to his or her attention when appropriate.
3. Major problems should be dealt with immediately. If your contractor is not present at the time, make every effort to contact him or her as soon as possible. This may avert furtherance of the problem.
4. Given that your contractor responds satisfactorily, carry on. If not, try again and if necessary, write a letter. If you still don't get satisfaction, look to a third party such as the Ontario Renovators Council or the Ontario Home Builders Association. These agencies should be approached only if you are certain that a resolution cannot be achieved with the contractor. Legal counsel should be an absolute last resort. There's no use making a mountain out of a molehill, and thereby delaying succesful completion of the project.
THE BOTTOM LINE:careful contractor selection + a good contract = successful job