#cmhc

[ticklishraspberries]

pls I would love some david x aaron hcs!! I just started my umpteenth rewatch and idk how this ship never crossed my mind before but now i desperately need more

-aly

ok ok ok...this is my roman empire ty for asking!!

hotch and rossi clearly have this married-couple kind of dynamic that grows throughout the show. they know each other so well, so intimately. they're always there for each other, and the team literally refers to them as "mom and dad" in canon (i think only once, but still).

i firmly believe that hotch was never unfaithful to haley, but i think his ~bisexuality~ was something he wasn't aware of until after her passing, and his attraction to rossi was always there, just in the back of his mind.

all the time spent together for work just brings them closer and closer...and i'm supposed to believe they never smooched?? c'mon.

*insert joke about rossi's had so many wives he should give men a shot*

idc i will headcanon hotch as ticklish til the day i die. he definitely has the ability to ignore it/pretend not to be but that can only last so long, yknow?? and rossi clearly has a lil mischievous energy about him.

i weirdly can't picture rossi being very ticklish, but he definitely isn't unaffected like hotch pretends to be <33

like. C'mon. i am not immune to old man yaoi. they co-coach hotch's kid's soccer team together. that's gay as fuck.

rossi's facial hair tickles hotch's neck when they cuddle but hotch is too proud to admit it so he just tries to subtly scoot away.

[neve-gallus-girl-detective]

What do we think the team wears at the pool?

Here are my thoughts:

Hotch: swim trunks and a t-shirt

Emily: black and/or cheetah print one piece with a wrap and a big hat

JJ: swimming tank top and boyshorts

Reid: swim trunks that are a little too short bcs he's tall

Derek: swimming briefs or trunks

Rossi: tank top and speedo

Penelope: a one piece, but it has lots of holes and straps

Gideon: long swim trunks and a UV swim shirt

Tara: bikini top and boyshorts

Luke: tiny swim shorts

Matt: t shirt and board shorts

[istra-ish-sucha-geek]

No, seriously, guys. GUYS.

Im in the SECOND YEAR of a GRADUATE PROGRAM in clinical mental health counseling, and we were in class discussing SEXUAL ASSAULT and the professor could NOT bring herself to say the word “vagina.”

We were discussing the levels of risk of contracting an STD, pregnancy, or physical harm to the genitals from a rape, and the professor was stumbling over describing the anatomy, “If - you know - if someone is an, an, an INNIE, if you get what I mean.”

WE ARE IN GRAD SCHOOL.

A SIGNIFICANT PORTION OF US ARE OVER 40.

A HUGE PORTION OF US ARE AFAB.

WE KNOW WHAT A VAGINA IS.

"that time of the month" "monthly visitor" "feminine hygiene products" GRRAH!!! SHUT UP SHUT UP!!! PERIOD!! MENSTRUATION!!!! TAMPONS!!! PADS!! MENOPAUSE!!!!!!!!!!!

[drugstorecowboi]

Grimlock: “Mad Titan” Crusher (2003)

[istra-ish-sucha-geek]

This is who I want to be.

[vancouvertrueborns]

Les Vogt and the Prowlers, Vancouver’s first Elvis-style rock band, performs at a track meet pep rally held in John Oliver Secondary’s gym in 1956. Shortly after this photo was taken, the band opened for Bill Haley and the Comets at Kerrisdale Arena – Vancouver’s first rock concert. 

Unfortunately, the Prowlers did not ride the Comets’ plasma tail to success. The local heroes peaked in 1960, when Les Vogt’s song “The Blamers” knocked Elvis’ “It’s Now Or Never” from #1 on the C-FUN radio station’s Top 40 chart.

The Prowlers broke up and Les went on to become a nightclub owner (The Grooveyard, Purple Steer) and a concert promoter with Jaguar Enterprises, a company he co-founded with iconic Vancouver DJ, Red Robinson. Today, Les continues to stage concerts through his Legends of Rock and Roll series, that includes Elvis, Buddy Holly and Tina Turner tribute artists.

As for South Van and J.O. being the birthplace of Vancouver rock and roll, we shouldn’t be surprised. The entire southeast corner of the city was the epicenter for the region’s post-war baby boom. Large tracts of available land close to downtown quickly gave way to affordable housing and young families. For instance, Les grew up on the south slope, in the Fraserview neighbourhood – a sprawling government housing project comprised of 1,100 humble but functional bungalows. Each house had, in accordance with CMHC requirements, at least two kids in it, many had four to eight. Those youngsters had a lot of time to dream about rock stardom as they walked, biked or bussed to J.O. at 41st and Fraser. 

Killarney Secondary opened its doors in 1957 and David Thompson the following year, thus absorbing some of the talent from the school formerly known as South Van High.

[donjuaninhell]

The term refers specifically to corporations that use rental properties as a way to generate returns for investors, such as private equity firms, real estate investment trusts and asset managers.

The study found these landlords have become the “largest acquirers” of rental properties in Toronto over the last two decades, and they’re “leading the industry in raising rents and worsening housing affordability.”

Yeah no shit that these asshole leeches raise rents faster and higher than anyone else. They're beholden to shareholders who expect a high RoI.

On average, asking rents among financial landlords are 44 per cent higher than the average rent paid in Toronto neighbourhoods, the study found.

[...]

Financial firms also raised rent prices faster than any other type of landlord, the study found, and the gap between average rents and asking rents charged by financial firms was greatest in low-income, racialized communities.

[...]

August said financial landlords shouldn’t be able to access government support through Canada Mortgage and Housing Corp. (CMHC) programs and Canada’s National Housing Strategy. “I think it’s important to ask, ‘Why we are giving a subsidy to companies whose business strategy is to make housing unaffordable?’” She added the government should ensure that firms who receive financial support are not “violating the right to housing” by reducing security of tenure and worsening affordability.

No shit they shouldn't be subsidised, they really ought to be made illegal, of course my solution to this problem is a lot more direct and only as expensive as the ammunition used.

[transmutationisms]

The momentum of Cannon’s black nationalism also translated into progress at city hall. By the early 1970s, black politicians relied on Cannon’s leadership to maintain relationships with black voters in the black community and to develop deeper relationships with voters in other neighborhoods of color, newly organized through CMHCs and CBOs and staffed with community workers trained in mental health. The political value of this new city-wide political machine accounts for the ascension of Tom Bradley to Mayor of Los Angeles as the nation’s first black mayor of a majority white city in 1973. In turn, Bradley supported all of Cannon’s major projects through Model Cities and municipal funding as well as similar race-based CBOs and CMHCs throughout the city.

Bradley’s election served as proof of the power of black respectability politics to convince both white and black voters that blackness could be associated with leadership, ability, and power. It also solidified a new political regime that was anti-police brutality, but not anti-police. As a former LAPD patrolman critical of its racist policing, Bradley tried as mayor to achieve progressive policing reform, but had limited power to control the department.72 He saw the client-focused services of CMHCs and CBOs as an alternative humanitarian approach to produce urban change that did not require racist policing tactics. That is, similar to the LAPD, Cannon’s programs accepted any racialized subject outside middle-class community norms as troublesome to society but, unlike the police, sought to achieve social order through self-help and reform programs, rather than incarceration and commitment.

In this way, Bradley’s and Cannon’s overlapping concerns over street crime, domestic violence, and family dysfunction in black communities reveal they both viewed crime and community disorder as products of poor individual choices rather than manifestations of larger structural forces. In their opinion, the greatest obstacle to racial progress was not racial capitalism, but socially constructed prejudice that required greater racial representation of people of color in positions of power to combat it. Bradley privileged support for Cannon and his brand of black culture because, as Daniel Widener argues, “African American culture became one site where elected officials [like him] could demonstrate affinity with and support for black residents of South Los Angeles” and because it celebrated race without necessarily supporting “an insurgent form of urban politics.”73

Bradley’s relationship with Cannon became increasingly important in light of the growing strength of the Black Panther Party, founded in Oakland in 1966 and started in Los Angeles in 1968. Unlike Pan-Africanists focused on representation and normalizing black culture, the Panthers argued for a complete re-organization of race and capitalism. They also demonstrated willingness to work with organizations that represented figures Cannon sought to contain and eradicate. For example, the Panthers worked with single mothers of the National Welfare Rights Organization to develop free health clinics and community survival programs.74 According to Jared Leighton, the Panthers also worked with Gay Liberation organizations that shared the Panther’s critiques of the psychiatric community and the police as both being the black and gay communities’ “biggest oppressors.”75 Although Alondra Nelson argues the Panthers’ free clinic programs demonstrate they were not anti-medicine, she suggests they were anti-psychiatry in similar to ways that AJ Lewis argues gay liberation groups embraced “mad politics” of the anti-psychiatry movement, which “repudiat[ed] ‘normalcy’ and its institutions of enforcement” and “challenged the normalization of sanity and politicized social deviance.”76

The Panthers’ program highlighted the contradictions of black representational politics by exposing the limits of its power to advance change among the black working class. According to Widener, Bradley’s focus on building alliances with transnational capital and upholding affirmative action in public employment created a “major economic boost” for black college-degreed Angelenos, which resulted in “an economic bifurcation of black Los Angeles, with the emergence of a new middle class standing in sharp contrast to the experiences of a black working class beset by economic restructuring, the rise of the crack cocaine epidemic, and the militarized policing of the LAPD.”77 The emergence of a strong black middle class alongside a growing “black underclass” and the normality of race campaigns launched by Cannon meant that, by 1969, the strong reliance psychiatrists had in using race as an index for class and other social factors (as Wertham and Mosse, for instance, believed) was quickly becoming muddled by these new class distinctions.78

The need for a psychiatric approach to race to navigate, on one hand, the existence of “normal” black middle class individuals and, on the other, the continuing troublesome presence of a black “underclass” mired in poverty, crime, and mental illness prompted UCLA to recruit talent able to chart new directions for race-based psychiatry. By 1969, UCLA sought to secure leadership that strengthened its historically strong commitment to race-based community mental health theory, but its medical school leaders also attempted to take advantage of underexplored psychiatric methods and theories found in psychopharmacology and neuroscience. These new pathways later reinforced new black “community norms” established in the late 1960s to police poor people of color with even more menacing rationale.

Nic John Ramos, Pathologizing the Crisis: Psychiatry, Policing, and Racial Liberalism in the Long Community Mental Health Movement. Journal of the History of Medicine and Allied Sciences, Volume 74, Issue 1, January 2019, 57–84

[allthecanadianpolitics]

The Canada Mortgage and Housing Corporation(opens in a new tab) (CMHC) says the record-breaking population growth in Nova Scotia is preventing the province from meeting housing demands.

According to the CMHC Housing Market Outlook report, new home construction in Halifax is expected to increase, but the completion of those projects is behind where they need to be.

“Given the level of population growth we’ve seen, we need to address both supply and demand,” said Kelvin Ndoro, CMHC’s economics lead.

The report showed while Nova Scotia is already seeing a record number of new units under construction, the completion of the projects is still lagging behind by roughly three years. [...]

Continue Reading.

Tagging: @newsfromstolenland

[neve-gallus-girl-detective]

New hc: Aaron and Jennifer are their deadnames jrkajfks

[st-just]

In a fit of gratuitous emotional self-harm I have compared what the CMHC website says is my 'maximum affordable mortgage' with the cheapest real estate listings within the city and lol lmao renting for life.

[drugstorecowboi]

Grimlock

[duaneburnett]

FOR IMMEDIATE DISTRIBUTION

TINY HOME BUILDER CREATES LEGAL TINY HOMES AS HOUSING CRISIS CONTINUES TO LOOM

SEPTEMBER 11, 2023 (GIBSONS, BC): A Sunshine Coast tiny home designer and builder is paving the way for the implementation of tiny homes as a means for suitable and affordable housing in Canada. At present, these homes are typically built to recreation vehicle standards that are considered by regional districts as seasonal use only, limiting where they can be placed and how long they can be occupied. Sunshine Tiny Homes, led by Founder, Owner, and Operator Pam Robertson, aims to support those affected by the housing crisis by working with local law makers to alleviate bylaws and restraints for zoning so that tiny homes can be used as full-time residences.

“We build innovative solutions to some of the biggest economic, environmental and social challenges today,” says Pam Robertson. “We see tiny homes as a step toward financial freedom, minimalist lifestyles and smaller carbon footprint living.”

Most recently, the Sunshine Coast Regional District (SCRD) has removed the building width requirement, which allows for tiny homes to be places most anywhere. Sunshine Tiny Home ‘Solaris’ model can be placed as a primary permanently occupied dwelling wherever zoning allows manufactured homes. They can also be placed on raw land, for use as a secondary home, or as an auxiliary unit for additional use for a household.

By purchasing a manufactured tiny home, the task of meeting regulations is simplified. Manufactured Z240 MH tiny home models can differ, so it’s important to not only research which model best suits you, but to know and understand bylaws and restrictions where you want to live. Tiny homes currently fall into an uncertain regulatory landscape, and advocates like Pam from Sunshine Tiny Homes are working to develop global standards that will allow consumers to confidently buy, build and live in tiny homes.

Says Pam, “Knowing about site preparation, foundation and anchorage is fundamental. Permits are required along with a healthy dose of preparation and planning. When you build with us, we assist you through the necessary steps to ensure the landing of your tiny, manufactured home meets municipal requirements.”

For more information, please visit https://SunshineTinyHomes.com

-30-

Media Inquiries: Pam Robertson sunshinetinyhomes@gmail.com

About Sunshine Tiny Homes:

Sunshine Tiny Home is a Canadian, female owner-operated custom tiny home design and build company. Passionate about bringing solutions, alternate lifestyle choices and high-quality homeownership options to life, our stunning and affordable tiny homes empower people to live authentically, securely and in alignment with their values. 

Hashtags

#yvrrealestate #westcoastlifestyle #vancouverhomebuilder #modularhomebuilder #affordablehousing #CMHC #BChousing #smallhousingBC #westcoastlife #newlisting #tinyhouse #tinyhomelife #moderntinyliving #customtinyhome #tinyhousebuilder #tinyhousebuild #tinyluxury #simplelife #outdoorliving #sunshinecoasthomes #manufacturedhome #smallbusinessbc #canadianbusiness #BCbusiness #supportlocalbusinesses

[ranidspace]

I'd also say look around on this site for more petitions! There's a lot there. make sure you read them carefully as a lot aren't great, but here's a few that are very good. Here's a couple of my picks:

A second petition calling for a ceasefire and humanitarian aid, and an end to the Israeli seige on palestine.

Encourage the canadian government to stop the war in Sudan, apply pressure to other countries [the united states] to do the same, and to increase humanitarian aid (if you know more about sudan i would like to hear if there's any issues with this one)

Amend the National Building Code to make [accessible] design mandatory, and get the CMHC to define "visitable, adaptable, accessible, barrier-free, and universal design"

Add the Canada Disability Benefit to the 2024 federal expenditures, and provide backpayments to compensate for the months since the CDB achieved royal assent where no progress has been made

Recognize and declare Poutine as the national dish of Canada

These are coming from actual members of parliament and more signatures can directly show parliament some concrete data. It's not gonna fix democracy overnight. in fact here's the disclaimer page:

But, this petition calling for the ceasefire has 128,871 signatures. On the "Petitions with government responses" section, all of them (except one, which calls for the right to claim asylum to expand to transgender people, to which they responded "this is already true, you can already do this") are under 40,000 signatures. The lowest is 25! It doesn't take that many people to get the parliament to see what you want them to see.

Consider adding this page to an rss feed* or checking back on it every once in a while

*It's this little button right here, add that xml link to an rss reader

Hey— Serious post for a second

The House of Commons in Canada has initiated a petition for a ceasefire in Palestine. Canadian followers and Canadian Tumblr users as a whole— please take a few seconds to stop and sign this.

After you sign, you'll need to confirm your signature through the email you provided on the form. It may not come through immediately, but make sure you do so, or your signature will not count.

Here's the link to the petition.

[fyntix]

Understanding Pre-Approval for Canadian Mortgages

What Exactly Is Mortgage Pre-Approval?

Mortgage pre-approval is a lender's conditional commitment to lend a specific amount based on your financial standing. It's not the final loan offer but a solid starting point.

Why Pre-Approval Matters

It arms homebuyers with clarity and bargaining power. Sellers take your offer more seriously, and you know exactly how much you can afford.

Difference Between Pre-Approval and Pre-Qualification

Pre-qualification is an estimate based on unverified info. Pre-approval dives deeper, examining credit reports, income, and assets.

How Lenders Evaluate Your Application

Credit score, employment history, debt-to-income ratio, and down payment capacity shape your pre-approval status. Lenders scrutinize every financial fragment.

Documents You’ll Need for Pre-Approval

Get ready with pay stubs, T4 slips, recent tax returns, bank statements, and identification. Having everything prepared accelerates the process.

Credit Score: The Gatekeeper

A score of 680 or higher opens more doors. Lower scores may still qualify, but options diminish and interest rates climb.

How Much Can You Afford?

Lenders use Gross Debt Service (GDS) and Total Debt Service (TDS) ratios. GDS shouldn’t exceed 32%; TDS must stay under 40%.

Impact of Your Income Type

Salaried employees often breeze through, while self-employed individuals need to provide detailed proof of income over two or more years.

What Role Does Your Down Payment Play?

Bigger down payments reduce the mortgage amount, lowering risk for lenders. It can also help bypass mortgage insurance if it's 20% or more.

Insured vs. Uninsured Mortgages

Mortgages under 20% down payment require CMHC insurance. That means added monthly costs, but broader lender acceptance.

Choosing the Right Lender

Don’t settle. Compare big banks, credit unions, and mortgage brokers. Each offers varied rates, terms, and approval standards.

Does Pre-Approval Affect Your Credit Score?

Yes, slightly. A hard credit inquiry is part of the process, but it’s typically minimal. Multiple inquiries within a short time frame are usually treated as one.

How Long Is a Pre-Approval Valid?

Usually 60 to 120 days. If the validity expires, a new credit check and financial update might be needed.

What Happens After Pre-Approval?

You shop confidently, armed with a clear price range. Once you find a property, a formal mortgage application finalizes the deal.

Getting Pre-Approved With Bad Credit

Options are limited but not nonexistent. Consider alternative lenders or co-signers. Expect higher rates and stricter terms.

Pre-Approval Isn’t a Guarantee

A pre-approval is conditional. If your financial situation changes drastically or if the property doesn’t meet lender guidelines, the final approval could be denied.

Tips to Strengthen Your Application

Pay down debts, increase savings, and avoid major purchases. Stability is key in the lender’s eyes.

Can You Get Pre-Approved Online?

Absolutely. Many lenders offer online portals. It’s quick, convenient, and often provides instant feedback.

Renewing or Updating Your Pre-Approval

If your pre-approval expires or your budget shifts, renew the process. Keep documentation updated for a seamless experience. For more details, check this article.

When to Start the Pre-Approval Process

Three to six months before house hunting begins is ideal. It gives you time to fix any credit issues or boost savings.

Final Thoughts

Pre-approval isn’t just paperwork; it’s power. Understanding how it works sharpens your home-buying strategy, minimizes stress, and keeps surprises at bay.