Дом по канадской технологии плюсы и минусы: Плюсы и минусы домов, построенных по канадской технологии

Канадская технология строительства домов под ключ: плюсы и минусы

В последние годы очень актуальным стало строительство быстровозводимых зданий, поскольку такие технологии экономят время и ресурсы. Особого внимания заслуживает канадская система строительства как самая востребованная и продуктивная.

Подобные технологии позаимствованы в странах Латинской Америки, Соединенных штатах и Канаде, где они применяются уже несколько десятилетий и доказали свою эффективность.

Что такое канадская технология?

Несмотря на то, что технологию называют «канадской», возникла она в США и является разновидностью каркасного строительства. Название связано с тем, что свод правил по строительству энергоэффективного жилья был разработан на основе канадских норм жилищного строительства.

Итак, суть канадской технологии состоит в таких моментах:

• • При строительстве используются SIP-технологии, то есть дом собирается из панелей, представляющих собой основной каркас строения. Технология на самом деле является каркасно-панельной, так как каркас строится из изготовленных в заводских условиях панелей;
  • Каждая панель представляет собой «бутерброд» из прессованных стружечных плит, между которыми под давлением вклеен плотный утеплитель – пенополистирол;
  • Утеплитель может иметь различную толщину, от которой зависит толщина теплоизоляционной плиты;
  • Теплопотери при строительстве по канадской технологии минимальны. Например, Международная полярная станция на Южном полюсе построена с использованием SIP-панелей.

    Важно! Для того, чтобы сравниться по показателю теплопроводности с SIP-панелями, кирпичная стена должна иметь толщину более 2,5 метров!

• • Экономия полезной площади при использовании канадской технологии достигается за счет того, что стены не поглощают жизненное пространство, в то время как дом, построенный из кирпича, например, на целых 20% состоит из одних стен;

    Полезное наблюдение. Небольшая толщина наружных стен при строительстве по канадской технологии позволяет добиться лучшей освещенности помещений и избежать дополнительных теплопотерь за счет экономии площади остекления.

  • Малая теплоемкость плит позволяет быстро прогреть дом, и в то же время канадский дом хорошо удерживает тепло и медленно остывает. Преимущество сохраняется и в теплое время года, так как теплоизоляционные плиты отлично защищают дом от жары.

    Обратите внимание! Даже в сильный мороз температура в доме, построенном по канадской технологии, упадет за сутки всего на несколько градусов при выключенном отоплении!

  • Теплоизоляционные панели также отлично защищают дом от излишнего шума, несмотря на их малую толщину и легкость;
    

    Сравни! Квадратный метр плиты SIP весит менее 20кг, а вес квадратного метра кирпичной стены – почти тонна!

  • За счет легкости используемых конструкций очень ощутима экономия на устройстве фундамента под такие дома. Затраты на фундамент можно снизить в несколько раз, а строительство на сложных каменистых грунтах значительно упрощается;
  • Необходимо отметить не только относительную дешевизну строительства с использованием теплоизоляционных панелей, но и быстроту возведения таких строений по сравнению с традиционными зданиями;
    

    Внимание! Дом по канадской технологии вполне реально возвести всего за 2-4 месяца. Строительство не требует использования специальной техники.

  • Используемые по технологии панели имеют идеально ровную поверхность и не подвержены деформациям в процессе эксплуатации. Они устойчивы и к внешним воздействиям.
    

    Важный плюс! Гипсокартон можно монтировать прямо на панели SIP, без использования металлических профилей.

 Кроме перечисленных особенностей, к преимуществам строений, возведенных из SIP-панелей, можно отнести:

• • 1. Из теплоизоляционных панелей возводят не только жилые помещения, но и офисы, складские и промышленные здания.
    2. Монтаж плит SIP не требует привлечения профессионалов и достаточно прост.
    3. Строительство можно вести практически в любое время года.
    4. Здания, возведенные по канадской технологии, не дают усадку, а потому можно начинать их отделку сразу по завершению основного строительства.
    5. Для монтажа не требуются сложные инструменты и особые материалы, можно обойтись самым простым набором инструментов, панелями, досками, монтажной пеной и обычными саморезами.
    6. Экологичность процесса монтажа строений и отсутствие вредных отходов при строительстве.

Итак, строительство дома из SIP-плит, то есть по канадской технологии – это экономично, удобно и доступно.

Особенности монтажа каркаса

Секрет монтажа при канадской технологии заключается в том, что качественно изготовленные SIP-панели могут быть смонтированы без каркаса, поскольку они очень прочны и сами по себе служат отличной основой здания.

Конструктивная теплоизолированная панель – SIP – уже само название говорит о возможности ее использования как основного конструктивного элемента здания.

Панели без использования дополнительного каркаса отлично выдержат нагрузку не только веса строения, но и большинство природных катаклизмов в виде сильных ветров и ураганов.

В штате Флорида в 2004 году ураганом Чарли были уничтожены большинство строений, возведенных традиционным каркасным способом, в то время как здания, построенные по канадской технологии, в большинстве своем уцелели.

Для соединения панелей иногда используют деревянный брус. В таком случае он формирует деревянный каркас здания, а строительство по данной технологии считают каркасным.

Технология монтажа каркаса складывается из нескольких этапов:

• • • Монтаж стены начинают с того, что к основанию крепят направляющую доску по всему периметру здания;
    • Устанавливаются две основные угловые панели по уровню;
    • Остальные панели крепятся к уже установленным с соблюдением заданного уровня;
    • Монтаж оконных и дверных блоков.

Необходимо отметить, что канадский дом можно приобрести и «комплектом», который представляет собой определенный набор, который собирается по типу конструктора. На стройплощадку доставляется комплект панелей, специально подготовленных и пронумерованных, вместе с рабочими чертежами.

Человек, умеющий читать чертежи, без труда разберется с монтажом такого набора. Конечно, такой «конструктор» обойдется застройщику значительно дороже.

Виды каркасных домов

Типы возводимых в настоящее время каркасных домов достаточно разнообразны.

Различают: 

• • • Каркасные;
    • Каркасно-щитовые;
    • Дома из панелей SIP;
    • Каркасно-рамочные строения.

Для наружной отделки каркасных зданий используют такие материалы:

• • • Сайдинг;
    • Клинкерная плитка;
    • Деревянная вагонка;
    • Облицовочный кирпич;
    • Различные виды декоративной штукатурки;
    • Металлический профиль.

Таким образом, застройщик практически не ограничен в выборе материалов для внутренней и внешней отделки здания, возведенного по канадской технологии.

Минусы домов по канадской технологии

При всех достоинствах сооружений, возведенных с использованием SIP-панелей, они имеют и недостатки, среди которых можно выделить такие:

• • 1. Горючесть материала.
    2. Незащищенность от грызунов.
    3. «Страшные химические» названия: OSB, пенополистирол и т.д.
    4. Цена.
    5. Наличие деревянных элементов.
    6. Локальная прочность.
    7. Проблемы с шумоизоляцией и вентиляцией.

На первый взгляд, список недостатков зданий, построенных по канадской технологии, пугает. Однако, не стоит спешить с выводами, так как этот список требует пояснений и разъяснений.

О главных недостатках

 Итак, разберемся с основными недостатками домов, возведенных по канадской технологии.

 Как известно, горючесть – это основной недостаток древесины. Удивительно, но ученые доказали, что массивные деревянные балки противостоят огненной стихии лучше, чем стальные!

Дело в том, что горит всегда не дом, не его стены, а то, что находится в доме. Кроме того, никакие огнеустойчивые материалы не спасут строение от поджога или возгорания. В любом доме может случиться пожар, и по статистике его причиной в 95% случаев становятся домашние вещи.

Возвращаясь к SIP-панелям, приведем их характеристики по горючести и токсичности в сравнении с обычным деревом:

• • • Любая деревянная конструкция, как и панель канадского дома без отделки, имеют одинаковую третью степень огнестойкости;
    • По нормативам, SIP-панели относят к той же области применения, что и древесину. Следовательно, этот материал нисколько не опаснее обычной древесины;
    • Пенополистирол – начинка канадского дома – состоит на 98% из воздуха. Всего 2% его объема – это горючий материал, поэтому при воспламенении он выделяет в 8 раз меньше тепла, чем обычная древесина;
    • Известно, что при горении дерево выделяет 350 различных веществ, среди которых токсичные и канцерогенные вещества, в то время как в дыме полистирола содержится меньше токсичных веществ, чем в древесном;
    • Не нужно забывать, что пенополистирол воспламеняется при температуре почти в 2 раза более высокой, чем дерево, а потому он даже менее пожароопасен, чем традиционные материалы.

Простые правила и мероприятия во много раз повысят показатели пожарной безопасности:

• • 1. Не следует пренебрегать возможностью обработки панелей огнезащитными составами.
    2. При монтаже электропроводки необходимо пользоваться услугами профессионалов.
    3. Необходимы консультации специалистов при устройстве и планировании электрических и нагревательных приборов в доме, а также каминов, дымоходов и печей.
    4. Правила пожарной безопасности при строительстве должны четко и неотступно соблюдаться.

Итак, выполнение каждого из приведенных выше пунктов намного важнее того, из чего изготовлены стены в доме.

 В SIP-панелях никогда не заводятся грызуны по очень простой причине: пенополистирол несъедобен для мышиного царства. Не одно десятилетие эксплуатации канадских домов на американском континенте это подтверждает. 

Единственные грызуны, способные навредить канадскому дому – это термиты. В наших широтах такая проблема не актуальна, но и она может быть решена с помощью обработки плит специальным раствором.

Итак, грызуны не портят SIP-панели. Грызуны могут повредить утеплители, причем в защите от грызунов нуждается абсолютно любой утеплитель, независимо от вида.

Для защиты от грызунов можно использовать конструктивные элементы – например, металлическую сетку, но специалисты рекомендуют реагировать на проблему по факту возникновения.

Итак, вопрос санитарии в канадском доме легко решается методом профилактики.

• • • Экологичность

 Несмотря на то, что в Европе а Америке пенополистирол считается одним из утеплителей-лидеров по показателям экологичности, в русскоязычном сегменте интернета распространено множество мифов, с ним связанных.

Рассмотрим некоторые факты:

• • • Плиты OSB, которые используются в SIP-панелях, изготавливаются согласно жестких стандартов и имеют мало общего с привычным ДСП из советского прошлого. Например, применение смол и связующих веществ при производстве сведено к минимуму, и по окончании периода прессования плита не выделяет опасных формальдегидов. Этот материал разработан в западных странах специально для жилищного строительства и является более экологичным, чем, например, привычная нам фанера;
    • Пенополистирол – это продукт вспенивания, то есть смешивания с воздухом, полистирола. Стирол – это природное вещество, которое содержится во многих продуктах питания, например, землянике и винограде. Полистирол – безобидное вещество, полимер стирола. Сам стирол считают слаботоксичным веществом, так как в больших количествах он вызывает раздражение слизистой оболочки верхних дыхательных путей.

Таким образом, экологичность материалов, используемых при канадской технологии строительства, подтверждается жесткими требованиями при производстве, исследованиями западных ученых и долговременным опытом практического использования.

 Цена качественных SIP-панелей – это самый серьезный недостаток строительства по канадской технологии. Но и он сглаживается, если анализировать его в сравнении с другими технологиями.

Изготовленные по всем требованиям стандартов плиты для канадского дома стоят значительно дороже элитного клееного бруса. Однако, если сравнить показатели теплозащиты и потребительских характеристик, то окажется, что дом по канадской технологии обойдется застройщику в несколько раз дешевле дома из клееного бруса, например.

Любые новомодные технологии строительства в конечном итоге не выдерживают конкуренции с канадской технологией строительства.

• • • Капитальность и долговечность

По показателям капитальности и долговечности к строениям, возведенным по канадской технологии, практически нет претензий:

• • • Дом, построенный из SIP-панелей, сверхпрочен. Он выдерживает не только сжимающие нагрузки, но и растягивающие;
    • Сейсмологические испытания канадских домов поражают своими результатами. Строение в сложных условиях ведет себя подобно упругому пруту – качается, не разрушаясь. В подобных условиях кирпичные здания складываются, как карточные домики;
    • В случае ударного воздействия дома, возведенные по канадской технологии, уступают кирпичным и каменным строениям;
    • Канадский дом – это отличное капиталовложение, поскольку он экономичен и комфортен для жизни;
    • В вопросе о долговечности строения определяющим фактором являются показатели того, насколько правильным и продуманным было строительство, а также режим эксплуатации. Дома, построенные по канадской технологии, рассчитаны на срок службы в несколько поколений и уже проверены временем.

Выводы

Итак, взвесив все плюсы и минусы канадской технологии строительства, можно сделать выводы:

• • • Дома из SIP-панелей сравнительно дешевы в постройке. Квадратный метр готового здания со всеми отделочными работами обходится в сумму до 400 долларов, в то время как за такие деньги из кирпича можно построить только «коробку» дома;
    • Канадские дома значительно легче традиционных строений за счет облегченного фундамента и каркаса из легких и прочных панелей;
    • Одни из основных преимуществ – отличные показатели прочности и теплозащиты, а значит, и энергоэффективности канадского дома;
    • Легкость монтажа и сжатые сроки строительства – еще одно неоспоримое преимущество;
    • По экологичности канадская технология не уступает традиционным, а некоторые и превосходит многократно;
    • Наконец, при профессиональном подходе канадский дом можно обезопасить от такого недостатка, как горючесть материала.

Таким образом, по основным показателям канадская технология в строительстве оставляет позади все традиционные технологии возведения зданий и сооружений.

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As of 2019, there are 10 provinces which make up the country, with Nunavut and Yukon dramatically reducing the size of the Northwest Territories in recent years.90003 90002 If you are thinking about living in Canada, then here are some of the pros and cons that you will want to consider. 90003 90010 List of the Pros of Living in Canada 90011 90002 90013 1. The economy of Canada is growing by leaps and bounds. 90014 90015 Canada is already home to the 10th-largest economy in the world. It is also a nation where a free-market economy is the preference whenever possible, which means individuals have a lot of economic freedoms available to them. If you want to start a business while living here, then it is a straightforward process that can get you up and off the ground in no time at all.If you prefer more of a traditional employment opportunity, then the unemployment rate in the country is significantly lower than in other parts of the world. 90003 90002 90013 2. You have access to more healthcare options in Canada. 90014 90015 We all know that the universal healthcare system in Canada is not actually free. Each province is responsible for administering this advantage to living here, which typically costs about $ 5,000 per year for a single person. Families typically pay about $ 9,000 per household for access.This payment is comparable to what the health insurance rates are for Americans, and it is lower than what you will find in countries with comparable systems. You can go to the doctor, visit the emergency room, and receive other care benefits without the need to pay a direct fee as part of the process. 90003 90002 90013 3. The overall crime levels in Canada are relatively low. 90014 90015 Canada ranked as the 53rd highest in the world for its crime levels in 2018 with a rating of 39.03. The United States received a ranking of 55.84, which placed the country as the 30th-highest in the world for this issue. The crime rate in the U.S. is approximately 40% higher than it is in Canada. That is also the difference that you will find in opiate use between these two North American countries. Women are 16 times more likely to experience sexual assault in the U.S. compared to Canada. 90003 90002 Because of the lower population levels, the per capita total crimes rate is actually 94% higher in Canada than in the United States. Crime levels have been steadily declining since 1991 and violent crime is rate, so overall the country is one of the safest places in the world to live today.90003 90002 90013 4. Educational opportunities in Canada are affordable and plentiful. 90014 90015 The public-school system in Canada is similar to that of the United States, where students can enroll in K-12 without requiring a payment from parents. Attending a college or university in the country is a little higher than it is for students in Europe, but it is far cheaper to pursue an advanced degree in Canada than it is in the U.S. each year. The reason for the cost difference is that the tax subsidies for education that are present overseas are not part of the Canadian learning system.90003 90002 Canada is also only one of a handful of nations that appear in the Top 10 for mathematics, reading, and science. The nation also has the world’s highest proportion of working-age adults who went through higher education: 55% compared to the 35% average in the developed world. 90003 90002 90013 5. Most Canadians live within 100 kilometers of the U.S. border. 90014 90015 Over 85% of Canada’s population lives in the provinces of Ontario, Quebec, British Columbia, and Alberta. Ontarians account for 40% of the nation’s demographics on their own.Over 90% of households live within 100 kilometers of the border with the United States as well. That means there are vast swaths of open land that are still in their natural state, just waiting to be explored when you live here. The outdoor recreation opportunities are plentiful, ranging from sailing to kayaking, or fishing to skiing. There are plenty of places where you might be the only person out there too. 90003 90002 90013 6. The cost of rent in Canada is much cheaper than it is in the United States.90014 90015 When you average the cost of rent in Canada in all cities compared to the media data supplied in the U.S., it is roughly 26% cheaper to live north of the border. Although there are some places that are more expensive than others (especially cities like Toronto and Vancouver), you can find plenty of small towns where it is very affordable to live. Even though taxes are higher to account for the healthcare needs, most households have more discretionary funds for activities, investments, or general savings.90003 90002 90013 7. You will discover a significant amount of diversity in Canada. 90014 90015 When you begin to explore Canada, then you will discover that there is significantly more diversity found here than in other places of the world. This community structure provides added strength to the economy because there are numerous opinions and experiences that all contribute to the final decision. About 1 in 4 people who are currently living in the country are foreign-born, which adds another element of perspective to the experience as well.If you can navigate the immigration process successfully, then there is an excellent chance that you will be able to expand your personal horizons. 90003 90002 90013 8. There are plenty of great festivals to enjoy in Canada. 90014 90015 No matter what your music tastes happen to be, there is a festival waiting for you in Canada. Montreal offers Ossheaga, which provides you with the chance to experience rock and alternative tunes. EDM is featured in Ilesoniq. There are also significant festivals held in Toronto each year that bring out some of the best stars in their genre each year.90003 90002 90013 9. The employment market in Canada is continuously strong. 90014 90015 The approach that Canada takes to employment is nothing new. They continue to welcome new arrivals each year, creating a market which offers a lot of strength for people who are pursuing a career. When many countries were encountering some of their worst unemployment rates in decades from 2007-2009, Canada remained relatively unscathed because of its welcoming policies. There are still limits about the types of jobs that qualify for work visas, but you will generally find that there are openings which are suitable to your talents and skills after moving here.90003 90002 90013 10. You will find that Canadians are some of the nicest people in the world. 90014 90015 Although there are always exceptions to every rule, most Canadians are warm and welcoming — even when they know you are a transplant or tourist. People will stop to have a chat with you in the grocery store, while you’re taking a walk, or even during a trip to Walmart. There is a definite sense of community that you will experience in this country that is a refreshing change of pace if you come from an environment that values ​​independence above everything else.90003 90002 90013 11. It provides an exceptional system of social supports. 90014 90015 The Canadian government mandates a leave and benefits component for new mothers. Depending on how many hours are worked and the length of employment, you can take up to 52 weeks of leave from your job, and then the employers are required to accept workers back into their position or an equivalent at the same rate of pay and benefits . You can receive paid leave through the nation’s employment insurance plan of up to 15 weeks.Mothers and fathers can take 35 weeks of parent leave after an adoption as well, up to a maximum benefit of $ 562 per week. 90003 90010 List of the Cons of Living in Canada 90011 90002 90013 1. Healthcare can also be a distinctive disadvantage for some people in Canada. 90014 90015 Rural provinces sometimes struggle to make healthcare options available to residents because there is only so much money to go around. There may only be 1-2 providers for an entire community because it is such a rural area.Although you can fly to the nearest caregiver for your situation in that circumstance, there may be a delay in some of the care that you receive. Long-term care, specialist needs, and elective procedures can sometimes have long wait times. If you live in a large urban area, then you might encounter this issue as well. 90003 90002 90013 2. Canada has more government involvement in your daily life. 90014 90015 Most Canadians feel like their government regulations tend to be an overreach into the decisions that they can make about their lives.In almost every survey, local residents say that they would prefer it if there were fewer rules to follow. Government interference in their lives is somewhat of a necessity, but is it really necessary for regulations to government how much trans-fat can be in a restaurant meal or how rare a burger or steak can be cooked? If you do not mind these issues or think they are beneficial, then this disadvantage will not seem like much of a problem. If you prefer to make your own choices, then this issue could be a definite setback when moving.90003 90002 90013 3. Living in Canada is more e 90014 90003.90000 21 Canadian Medicare Pros and Cons — Vittana.org 90001 90002 If you’re from the United States, you may not realize that Canada also has a system that they call Medicare. The Canadian universal healthcare system began in тисячі дев’ятсот сорок сім when one province introduced the concept, then it spread across the country as federal cost sharing practices were implemented. In 1984, the Canada Health Act helped to formalize what had become a provincial patchwork of law that provided coverage to patients. 90003 90002 Although the system of care in Canada is often referred to as «universal» or «socialized» coverage, which is provides is a decentralized collection of different territorial and provincial insurance plans.These health plans cover a narrow set of services which are provided for free at the point of care. 90003 90002 It becomes the responsibility of each territory and province to then organize and deliver services while supervising providers. Total health spending accounts for about 11% of the GDP in Canada each year. 90003 90002 Here are the Canadian Medicare pros and cons to review. 90003 90010 List of the Pros of Canadian Medicare 90011 90002 90013 1. It is a straightforward system of care that is provided to all Canadians.90014 90015 If you’ve ever seen a bill from a healthcare provider in the United States, then you’ll know what kind of advantage this happens to be. You will not have an elaborate bill when you receive health services in Canada. There are no deductibles to manage in Canadian Medicare. You will not be worrying about co-pays in most circumstances. Medical paperwork is nowhere near the same. 90003 90002 30% of the financing is covered under private health expenses already, while insurance plans paid for by taxes provide free services at the point of contact.You are free to choose your own doctor or physician, as well as your own hospital. You’re not restricted to specific care providers because of where you live or what you earn. 90003 90002 90013 2. Even with its flaws, it is one of the best systems in the world. 90014 90015 Canada ranks as one of the best countries in the world in several healthcare categories, including mortality rates from specific diseases, mental disorder fatalities, and better life expectancy. 90003 90002 Compared to the United States, the life expectancy rates in Canada are almost 3 years longer.Canadians live to an average age of 82.2 years with an infant mortality rate of 4.9 per 1,000. Americans live to an average age of 79.3 years with an infant mortality rate of 6.5 per 1,000. The average per capita health care expenditure of Canadians is also $ 5,300 per person, while in the United States it is over $ 9,400. 90003 90002 90013 3. The primary care system in Canada is inclusive. 90014 90015 94% of Canadians approve of their system of universal primary care. To say that it is universal, however, is not quite accurate.Canada actually has 15 different health care systems that are in place. There is also a veterans ‘healthcare system and one that is solely focused on provided First Nations care. 90003 90002 Strong access to primary care is linked to the promotion of public health. Gatekeeping in the system is provided through financial incentives, where specialists receive lower fees for patients who are not referred to them. There are over 2,500 times more primary are visits in the average province than there are orthopedic replacement services provided each day.90003 90002 90013 4. Private insurance is still available in Canada. 90014 90015 Two out of three Canadians purchase complementary coverage from private providers to cover healthcare needs that are not provided by the basic primary care package. That includes dental care, vision, medication, and private rooms in hospitals. If you live in Canada, you are not permitted to purchase private insurance which covers services that are provided at the provincial level. 90003 90002 In comparison, primary private insurance in the United States covers about 56% of the population.The remainder is covered by a government-mandated plan as well, such as Medicare or Medicaid. 90003 90002 90013 5. There are multiple models of primary care delivery available. 90014 90015 Canadian Medicare provides a similar delivery of primary care services as you’ll find in the United States. You can visit with a solo physician, be a member of a group practice, receive team-based care, or be cared for by a nurse practitioner. This variety allows patients throughout the country to pick providers that they feel will best meet their needs without making them feel uncomfortable.90003 90002 90013 6. Canadian doctors might earn less, but they also have less overhead. 90014 90015 Doctors in Canada do not make as much as physicians in other countries, most notably the United States. They do, however, have lower overhead costs to worry about and their working conditions are usually better. 90003 90002 One example of this is the cost of dealing with different insurance plans. Doctors in Canada do not have the need to charge more because they must pay for staff that coordinate with various insurance policies.Most doctors in the country have a single assistant who schedules appointments, handles phone calls, and manages the reception desk. 90003 90002 90013 7. There is less student debt for doctors in the Canadian Medicare system. 90014 90015 In the United States, the average doctor who graduates with the degree they prefer in medicine will be at least $ 150,000 in debt. For Canadian doctors, their debt will be about $ 75,000. The malpractice fees in Canada are much lower because there is much less at stake with the provision of services.90003 90002 Even if a treatment is unsuccessful, the cost of fixing it is mostly covered by the system already. People are able to remain insured for life under this system of care. Because of that structure, should a malpractice case occur, the future costs of care are not built into the award because the patient will receive guaranteed care already. 90003 90002 90013 8. Canadian Medicare pays for travel costs. 90014 90015 Let’s say that you live in a rural community in Canada. There are no specialists available for you to see for a health issue which has come up.Under the system of care, the province will pay for your transportation needs to go see the closest provider. If that means you must fly there, then so be it. That is one of the most significant cost-savings measures that is available in the Canadian healthcare system. 90003 90002 In the United States, if you must travel somewhere to see a specialist for a specific need, then the cost is often on you. Some insurance policies may allow you to submit some costs for reimbursement. Your HSA might allow you to withdraw funds for travel costs.In most circumstances, however, it is up to you to fund how you make it to the doctor. 90003 90002 90013 9. Even when insurance is required, it is free for most households. 90014 90015 For a family of four, the average provincial cost for the extra insurance costs that go outside of the basics are about $ 125 per month. Some families may see a little more or less, depending on their circumstances and location. Most employers will pick up the cost of this extra insurance like American employers pay for a portion of health insurance costs, which means it is still free to the family.90003 90002 If you have been diagnosed with a disability, or if you are on public assistance, then the province picks up the extra cost on the monthly premium for you. Most families in Canada never need to write a check for services unless they want add-on policies, and even those are usually less than $ 100 per month. 90003 90002 90013 10. You receive the same medication in Canada as you do anywhere else. 90014 90015 Some people believe that the Canadian Medicare system does not provide the same quality of drug access for treatments as other systems around the world.That is simply not true. The medicine that is provided to Canadians often comes from the same factories that produce drugs for other countries in the world. Pharmacies and pharmacists are regulated with more oversight as well, which means there is a good chance what you take in Canada is safer. 90003 90002 The costs of medication in Canada are also significantly lower than they are for other countries, especially compared to the United States. The government of Canada regulates drug prices, so the differences are quite astounding.Just 10ml of Humalog, which lasts one month, costs about $ 250 out of pocket in the U.S., but it only costs $ 32 in Canada. 90003 90002 90013 11. There is no such thing as rationed care in Canadian Medicare. 90014 90015 People who have a disability, along with veterans and the elderly, receive tremendous levels of care within the Canadian Medicare system. People are not «thrown to the curb» or have their healthcare rationed, as some people think. As a whole, people in Canada living healthier, longer, and more productive lives because they have access to consistent care opportunities.Even family caregivers receive care within this system, offering outings and respite providers that allow people to maintain a semblance of normalcy while they handle caring for parents and children simultaneously. 90003 90002 90013 12. People are still responsible for their own health. 90014 90015 There is this idea which percolates every so often that Canadians do not take good care of themselves because they are not required to pay as much for their healthcare. The truth is about as opposite as one can get from that perspective.In Canada, taking care of your health is considered part of your citizenship. You do what is needed to prevent taking up space in the healthcare system. Taking care of yourself means ensure you take a sick day if you do not feel good, going to the gym, and reducing your stress levels. 90003 90090.90000 Pros and Cons of Owning a Home 90001 90002 For some becoming a homeowner is a dream come true. 90003 90002 But, homeownership has its advantages and disadvantages. 90003 90002 In this article, we’ll look at all the pros and cons of owning a home so you can decide what the best option for you is. 90003 90002 RATE SEARCH: Get Approved for a Mortgage and Check Rates 90003 90010 Rent vs. Buy? 90011 90002 The age-old question is it better to rent or buy a home? There is not a right answer to this question.It depends on you, your situation, and your future plans. It’s not a clear cut, yes or no answer. 90003 90002 If you’re debating whether or not you should rent or buy a home, there are advantages and disadvantages to consider and some questions you need to ask yourself. 90003 90016 How long will you be living in the home? 90017 90002 If you do not plan on staying in a home or city for more than five years, then renting makes more sense for you. However, if you’re not going anywhere anytime soon, then buying is cheaper than renting in the long run.90003 90016 Do you make enough money to be a homeowner? 90017 90002 As a homeowner, you’re responsible for anything that needs to be repaired. There is no landlord to complain to. If a pipe busts, you can not just call your landlord and have it fixed for free. You’ll have to hire a professional to make any repairs. 90003 90002 There are homeowners associations, mortgage insurance, homeowners insurance, and property taxes. The various fees all add up and can be quite costly in some cases. 90003 90002 See how much house you can afford 90003 90010 Pros and Cons Of Owning A Home 90011 90016 Pros 90017 90032 90033 More privacy 90034 90033 Real estate increases in value over time at a rate above inflation 90034 90033 Pride of homeownership 90034 90033 Can customize and renovate the home to your liking 90034 90033 Interest paid on a mortgage is tax-deductible 90034 90033 A mortgage payment is usually not much more than renting 90034 90033 Build up home equity.A home is like a big piggybank helping you save money 90034 90033 Can have as many pets as you want 90034 90033 You will eliminate monthly housing payments once it’s paid off 90034 90033 Consistent payments with a fixed-rate mortgage 90034 90053 90016 Cons 90017 90032 90033 More difficult to move to a new location 90034 90033 Extra costs such as, repairs, taxes, insurance, etc. 90034 90033 Upfront costs — down payment, home appraisal 90034 90033 Majority of the mortgage payment goes towards interest in the first ten years 90034 90033 Landscape maintenance 90034 90053 90010 Advantages of Renting a Home 90011 90032 90033 Rent payments may be lower than a mortgage payment would be on the same house 90034 90033 Not responsible for paying for repairs 90034 90033 Can pick up and move to a new location easily 90034 90033 Much lower upfront costs than buying 90034 90033 No HOA dues 90034 90033 Low move-in costs 90034 90053 90010 Disadvantages of Renting a Home 90011 90032 90033 Can not make changes to the property 90034 90033 Do not earn a return on your payments 90034 90033 Monthly rent payments could increase 90034 90033 Renting will not help increase your credit score 90034 90033 Landlords usually do not make cosmetic upgrades home may feel dated 90034 90053 90010 Tax Benefits of Owning a Home 90011 90002 An advantage of owning a home that is often talked about is the tax savings.When you have a mortgage payment, the majority of that payment goes towards the interest. However, you may be able to write off the interest you pay and not have to pay taxes on that portion of your income. 90003 90002 There are several other tax breaks giving to homeowners. Fool.com has an article about the nine tax breaks every first-time homebuyer needs to know. 90003 90010 Home Equity 90011 90002 Home equity is the difference in the loan balance on your mortgage and the market value of your home.For instance, if your home is worth $ 200,000 and your loan balance is $ 100,000, you have $ 100,000 in equity. 90003 90002 When you own your home, you will build equity with every single mortgage payment you make. It is sort of like a forced savings account. You can use your equity to take out home equity loans in the future to help you pay off high-interest debt, or make renovations or repairs to your house. 90003 90010 Getting a Mortgage Loan 90011 90002 Most buyers think they will not qualify for a home loan, and that is the reason they rent.Mortgages can be had nowadays without a 20% downpayment and with less than perfect credit. 90003 90002 FHA loans, for example, require just a 3.5% down payment with a 580 credit score. The down payment can be a gift from a friend or family member or come from a down-payment assistance program. 90003 90016 Home Loan Qualification 90017 90032 90033 580+ credit score 90034 90033 3.5% + down payment 90034 90033 Debt-to-income ratio below 41% 90034 90033 Proof of income 90034 90033 Steady employment 90034 90033 Sufficient funds in reserve 90034 90053 90002 Get Pre-Approved for a Home Loan 90003 90010 Rent-to-Own Homes 90011 90002 A rent-to-own home may look like an attractive option, especially if you have bad credit and can not get approved for a mortgage.However, these types of agreements are very risker for the buyer. 90003 90002 The property owner may fall behind on the mortgage payments, and you will be forced to leave the home. These rent-to-own agreements usually require an upfront down payment or deposit as high as $ 15,000. 90003 90002 That’s a lot of money to have on the table for a home you do not own yet. You may change your mind or find another house you like, and you will lose out on your deposit. 90003 90010 In Conclusion 90011 90002 There are many pros and cons to owning a home.It’s up to you to decide if it’s in your best interest, or you should continue to rent until the time is right. 90003 90002 There are many housing expenses involved with being a homeowner: property taxes, homeowners association, and insurance, mortgage insurance, cost of repairs and upgrades. 90003 90002 Are you ready to become a homeowner? 90003 90002 Get started by comparing rates and getting pre-approved today 90003 .90000 Pros and cons of the USMCA 90001 90002 90003 90002 With the new United States-Mexico-Canada Agreement (USMCA) likely to be signed at the end of November and take the place of NAFTA by 2020 року, it’s worth looking at how the trade agreement will affect mining companies and suppliers. 90003 90002 90007 PROS 90008: The USMCA will provide 16 years of stability for businesses in North America. After that time, the agreement will expire, unless the parties decide to renew it.That’s a good thing for Canadian business compared to the uncertainty of the past two years under a protectionist U.S. President Donald Trump. 90003 90002 And the USMCA itself is not that big a departure from NAFTA. 90003 90002 «The changes are not radical.» says Clifford Sosnow, a partner and co-chair of Fasken’s international trade and investment group, although he calls some elements of the deal «troubling.» 90003 90002 Sosnow added: «Would I call it a major shift? No. Would I call it a scaling back in terms of greater integration of the three economies? Yes.»90003 90002 Dalton Albrecht a partner at EY Law specializing in international trade law, notes that the agreement keeps a lot of positive things from the old agreement, such as business employee mobility provisions and Chapter 19 dispute resolution, which allows independent panels to solve disputes between companies and governments. 90003 90002 90007 CONS 90008: The biggest issue for miners and mining supply companies is that the agreement did not deal with the 10% tariffs on aluminum and the 25% tariffs on steel imposed by the Trump administration at the end of May under Section 232 of the Trade Expansion Act.Those tariffs have the potential to affect the cost of equipment and mining infrastructure. Albrecht notes that the retaliatory 10-25% surtaxes that the Canadian government imposed soon after have compounded the issue. 90003 90002 For example, as things stand, a manufacturer could face double tariffs on an input, raising the price of the final good. 90003 90002 While the Canadian government has announced relief from those surtaxes for Canadian manufacturers in the form of drawbacks and remissions, it’s very time consuming and difficult for companies to deal with, Albrecht says.90003 90002 It’s not necessarily possible for companies to get the type of steel and aluminum product they want from within Canada to avoid the tariffs, he adds. 90003 90002 «The Canadian steel industry is not subject to the surtaxes on inputs but the problem is certain types of steel and aluminum are made in the U.S. and certain types in Canada — production was rationalized under NAFTA because it’s a free trade area with a frictionless border, so you can not get all the products you need within Canada for that reason.»90003 90002 U.S. officials had floated the possibility that the USMCA deal would mean the end of the 232 tariffs. That has not been the case to date, but a deal involving tariff rate quotas below which Canadian steel and aluminum would be exempt from the U.S. tariffs could be struck after the USMCA is ratified. 90003 90002 «There has been discussion of quotas along the lines of the national security issue, which has been incorporated into the USMCA as it deals with autos,» Sosnow says, although Canada is officially opposed to the idea.90003 90002 90007 Energy sector fragmentation 90008 90003 90002 Another issue is that under the USMCA, the energy space in North America will be less integrated than was previously the case, Sosnow says. 90003 90002 Under NAFTA, governments were prohibited from discriminating against other NAFTA party coal, uranium or petro- chemical products with import or export taxes other than duties, he explains. NAFTA parties also had to consult with respect to any new restrictions or taxes that other party believed would be a violation of the energy rules.90003 90002 «So there were consultation mechanisms, there were prohibitions on discriminating, there were prohibitions on import and export restrictions and export taxes,» Sosnow says. «That’s been removed.» 90003 90002 Sosnow adds: «This is perfectly in line with what the president wants to do, which is a gathering in of investments that have otherwise been in Canada and Mexico and refocusing them back in to the United States.» 90003 90002 90007 Investment chapter 90008 90003 90002 Under NAFTA, companies could invoke an arbitration mechanism when they felt their rights under the agreement had been breached, but the USMCA removes that mechanism, Sosnow says.90003 90002 «Now if there are any disputes for example, Canadian investors feel that they’re being discriminated against in terms of obtaining licences or prospecting licences or consessions, they’re forced to resort to U.S. 90003 90002 Courts as U.S. investors in Canada are forced to resort to Canadian courts. That’s always a longer process, it’s a more detailed process, and it’s typically not something that business favours. They like the arbitration process that was contained in the NAFTA because it’s quicker and the results tend to be a little bit more in line with what businesses expect.»90003 90002 Sosnow adds: «Interestingly enough, Canada’s probably been the source of more disputes against it than the United States or Mexico, so in some sense, it’s a bit of a relief to the Canadian government that those rules are no longer there.» 90003 90002 90007 Other takeaways 90008 90003 90002 The introduction of the 232 tariffs mean companies need to review their supply chains from end to end, Albrecht says. 90003 90002 «Talk to your supply chain partners and say ‘please confirm for me that you meet the rules under USMCA’ because that’s important, and you should know that now in advance of implementation.»90003 90002 For both miners and suppliers, there could be opportunities under other trade agreements, such as the Comprehensive Economic and Trade Agreement (CETA) between Canada and the European Union and the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP), which includes 11 countries. 90003 90002 For suppliers, Albrecht says this means that basically any manufacturing input or industrial product originating in Europe is now duty free, so companies can look to sources there.90003 90002 «The rules of origin are somewhat less restrictive under CETA than NAFTA / USMCA,» Albrecht adds. «If you have fifty per cent Canadian content or even lower, depending on the product, you can generally qualify your product for most CETA rules of origin and same with the CPTPP.» 90003 90002 North American Free Trade Agreement on world map with national borders 90003 .