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One approach is to set a generous reserve now; the other is to investigate every uncertainty before fixing the budget. I am caught between them because both could distort the figure in different ways. The working allowance is C$600,800 for a 650 sq ft coastal home in Toronto. The intended work...

Moving coordination surprised me more than the paperwork. Booking a move against an uncertain completion date creates its own risk. A flexible plan, a small essentials bag and somewhere to bridge a short timing gap can be worth more than trying to make every handover happen on one perfect day.