affordable – The North Grenville Times http://www.ngtimes.ca The Voice of North Grenville Thu, 11 Jan 2018 14:24:23 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.1 Making Auto Insurance more affordable http://www.ngtimes.ca/making-auto-insurance-affordable/ http://www.ngtimes.ca/making-auto-insurance-affordable/#respond Wed, 13 Dec 2017 19:52:53 +0000 http://www.ngtimes.ca/?p=10203 Ontario is taking action to make auto insurance more affordable for the province’s nearly 10 million drivers by introducing the Fair Auto Insurance Plan. The plan includes significant reforms that will address fraud in the system, put victims first by providing better access to care for those injured in auto collisions and strengthen consumer protection. […]

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Ontario is taking action to make auto insurance more affordable for the province’s nearly 10 million drivers by introducing the Fair Auto Insurance Plan. The plan includes significant reforms that will address fraud in the system, put victims first by providing better access to care for those injured in auto collisions and strengthen consumer protection.

The plan is based on recommendations made by David Marshall, Ontario’s advisor on auto insurance. David Marshall is a former president and CEO of the Workplace Safety and Insurance Board. He is also an advisor to the government on pensions.

In a report released in April, 2017, he urged transformative changes aimed at improving the care received by people hurt in collisions, reducing disputes around diagnosis and treatment — and promoting innovation, competition and other steps to improve consumer protection. With the Fair Auto Insurance Plan, the government is moving forward with significant structural reforms to address issues identified by Mr. Marshall, and an ongoing implementation strategy.

Highlights of the plan include: implementing standard treatment plans for common collision injuries such as sprains, strains and whiplash to help people receive the treatment they need after an accident, changing the emphasis from cash payouts to ensuring appropriate care for victims. It also reduces diagnosis and treatment disputes between insurance companies and people injured in collisions by instituting independent examination centres to assess more serious auto collision injuries. Cracking down on fraud will be encouraged by launching the province’s first Serious Fraud Office in spring 2018. The office will use an integrated and dedicated approach to combat serious fraud, with a focus on auto insurance fraud, which has been identified as one of the factors contributing to higher premiums.

The Plan also directs the Financial Services Commission of Ontario (FSCO) to review risk factors used by insurers to calculate premiums with the goal of ensuring drivers in certain parts of the province are not subject to unfairly high rates. It ensures that lawyers’ contingency fees are fair, reasonable and more transparent. The province will establish a panel to guide the enactment of reforms contained in the Fair Auto Insurance Plan.

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A small house village for North Grenville http://www.ngtimes.ca/a-small-house-village-for-north-grenville/ http://www.ngtimes.ca/a-small-house-village-for-north-grenville/#comments Thu, 21 Jan 2016 14:57:35 +0000 http://www.ngtimes.ca/?p=686 submitted by Rob Lunan A small house village may be coming to North Grenville soon. The concept is simple and attractive. It is a group of small, affordable, efficient houses. The village has a comfortable density of only 8 houses per acre, giving ample green space around each house and a great quality of life. […]

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submitted by Rob Lunan

A small house village may be coming to North Grenville soon. The concept is simple and attractive. It is a group of small, affordable, efficient houses. The village has a comfortable density of only 8 houses per acre, giving ample green space around each house and a great quality of life. (A traditional builder would love to cram 25 houses on an acre to maximize income.) Today a young person just out of school is facing a $400,000 average price for a single detached house in Ottawa. Some are paying much more. Prices in North Grenville are similar. These small houses will sell for less than half of that, making it affordable for anyone.

Not to be confused with “tiny houses”, which have recently become popular, these are much more livable smart new house designs of 1000 sq.ft. of living space, which include passive solar heating for winter and natural heat venting for summer cooling. Both minimize energy costs. Nine foot ceilings give a spacious interior. The three bedroom houses have a ground floor bedroom perfect for the less mobile, but it can also be used as a den, office or family room. All houses are customizable to the specifications of the buyer and have plenty of storage space. There are no pesky basements that flood and need constant dehumidifying. These small, well insulated houses are highly energy efficient and have optional solar power and rainwater collection. The land is big enough for large gardens, privacy and outdoor entertaining.

The small houses are perfect for couples, singles and small families who want to live a simpler life style, have some land to enjoy (but not too much to maintain), and own an affordable house without becoming slave to a mortgage. The first village will be located close to shopping, schools and services. We expect these freehold (no condo fees) houses and generous properties to sell for less than $179,000. If you don’t have enough credit, you may be able to rent to own. You can also use your RRSP to buy without triggering tax. Parents can easily help children with homeownership. Seniors can downsize from an expensive house and bank the difference to make their retirement more comfortable.

This village of small houses includes a central community hall that can be utilized by the residents for meetings, church services, or rented for large family gatherings, etc. Most notable, the project will be built as a non-profit, so the residents get the most real estate for the lowest possible price. It’s part of the philosophy that everyone deserves a decent uncrowded place to live at affordable prices. Nobody should be a slave to an unaffordable mortgage!

The small house village is in the planning and procurement stages. Anyone with serviceable land in the town of Kemptville or interested in the project is encouraged to contact them by email at    smallhousevillage@gmail.com or visit http://smallhouse.ca/ for more information.

 

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