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Mark Guslits: Bringing affordable housing to Canada

Mark Guslits

By GERRY POSNER The Guslits name in Winnipeg is widely known. Just scratch a little and you will strike a Guslits descendent. One such Gusilts is none other then Mark Guslits, son of Max and Shirley (Shapera). Born in 1946, raised initially on Atlantic Avenue in Winnipeg’s north end and later on Montrose Street in River Heights, Mark is now old enough to recall when Montrose had newly planted trees, no lawns and milk delivered by horse and cart, but he’s still young enough to own a farm and work with his wife on it in Picton, Ontario. To get there, however, there were a few stops along the way.
Mark grew up in what might be called blessed times and had a group of good friends including: David Cherniack, Joel Greenberg, Morey Bubis, Cliff Corman, Richard Gurevich, Mark Schacter, Joey Hershfield and later, also Don Aronovitch and Brian Morris. He attended Montrose, Robert H. Smith, River Heights and Grant Park Schools before entering the Faculty of Architecture at the University of Manitoba in 1964. As he put it, he barely “looked up” until he graduated in 1970 with a Bachelor of Architecture degree. Included in those six years was time off for travel in Europe and North Africa and work in the UK in the architect’s department of Guinness Brewery. Upon graduation, Mark moved back to England where he had more work with Guinness followed by a few years  with a large London based architectural firm where he had the chance to work on the England/France Chunnel as well as Terminal 3 at Heathrow and a a large redevelopment project in Dubai. There are few Winnipeggers (as in none) who can make that statement. But likely the most significant event to occur to Mark during his England days was that he met his soon to be wife, also a Winnipegger – Carolyn Lecker(of the luminous Lecker family). They just celebrated 51 years of marriage.
In 1972, after their marriage, Mark and Carolyn moved to Vancouver and, once there, Carolyn opened a dance studio and Mark joined an architecture firm by the name of Sankey and Associates. That lasted until 1976 when the couple made the decision to return to Winnipeg. Mark joined with a former classmate of his, Eric Barker, to establish a firm called Barker and Guslits. They focussed on low income housing for the Manitoba provincial government. That focus became an integral part of Mark’s career, only in a different location. In Winnipeg, Mark and Carolyn became parents of their daughter Danielle, and not long after her birth, the family moved to Toronto where Mark began work with Harbourfront Cor-poration. Also at Harbourfront was another former Winnipegger, architect and schoolmate: Howard Cohen. Still committed to affordable housing, Mark soon joined a company called Lantana Non-Profit Homes, where he helped dozens of non-profit groups form housing co-ops. Then, in 1986, Mark teamed up with Mitchell Cohen, formerly from Regina, and Mark became a partner in the Daniels Group. This company was soon to become the largest private sector developer of affordable housing in Canada. The company was thriving until Mike Harris became Premier of Ontario and immediately stopped all social housing in the Province of Ontario.
Mark moved to the City of Toronto in 1997 to become head of housing for the City of Toronto. With his team, he built thousands of new affordable housing units. It seemed like a natural step then in 2002 for Mark to join the newly formed Toronto Community Housing (TCHC) as the Chief Development Officer. Five years later, the first phase of the 70 acre redevelopment of an inner city community known as Regent Park was completed and Mark returned to his first love, architecture, when he joined the Toronto office of HOK, a large US-based firm where he led a group responsible for the development of the Athlete’s Village for the 2015 Toronto Pan AM Summer Games.
For a large part of his career, Mark also was a teacher, first at was then Ryerson Polytechnic, later at George Brown College, and for the last eight years, at the University of Toronto – always focused on the theme of affordable housing and equable cities. This clearly is an area where Canada still struggles, and Mark was right in the mix in an area which cries out for help to this day. Guslits also consulted internationally on affordable housing in the UK, Ireland and South Africa. And, all the while, Mark Guslits has done it while dealing with mobility challenges resulting from his bout with childhood polio in Winnipeg in 1953 and a serious car accident in 1965.  He walks with a limp and uses a cane now, but he still manages to scare his family daily using his electric mountain bike and scooter on the busy Toronto streets and back roads of Prince Edward County.
Mark (now semi retired) and Carolyn still retain an apartment in Toronto, but they live for the most part in Prince Edward County, 3 hours east of Toronto, where Carolyn tends to 23 beautiful gardens, also where she conducts workshops and holds concerts and art shows. They now have two grandchildren, Molly, 12, ands Zoey, 8, who live not far away with Mark and Carolyn’s daughter Danielle and son-in-law Dave.  Mark and Carolyn are quite the package in the county, I say, and if you don’t believe me, come and check them out for yourself in person or on the web at wwwblackwalnutgardens.ca

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How to Get and Compare Vehicle Shipping Quotes for State-to-State Car Transport

Every year, millions of Americans ship their vehicles across state lines, whether relocating for a new career, purchasing a dream car online, or escaping to a warmer climate for the winter. Navigating the logistics of moving a vehicle can initially feel like a complex puzzle. With dozens of carriers on the market and widely varying pricing structures, knowing how to secure and evaluate accurate vehicle shipping quotes is essential for a stress-free experience.

This guide breaks down exactly what factors influence the cost of interstate auto transport. You will learn how to evaluate your options effectively, understand the critical differences between transport methods, and identify what to watch out for when selecting a carrier. By following these insights, you can ensure your vehicle reaches its destination safely and without overpaying.

What Is Vehicle Shipping and When Do You Need It?

Vehicle shipping is a specialized logistics service where a licensed auto carrier transports your car, truck, or SUV from one location to another over long distances. Instead of driving the vehicle yourself, accumulating mileage, and spending days on the road, a transport company loads your vehicle onto a specialized trailer for delivery.

There are several common scenarios where professional auto transport makes sense:

  • Corporate or Personal Relocation: Moving across the country requires coordinating moving trucks, flights, and housing. Shipping your car eliminates the cross-country drive entirely.
  • Online Vehicle Purchases: If you buy a vehicle from an out-of-state dealership or private seller, auto transport provides a safe way to bring it home.
  • Snowbirds and Seasonal Travel: Many retirees split their year between warmer and cooler states. Shipping a car twice a year is standard practice to avoid long, taxing drives.
  • Military Permanent Change of Station (PCS): Active-duty military personnel frequently relocate on short timelines. Professional auto shipping ensures the vehicle arrives at the new base promptly.
  • Classic or Collector Car Acquisitions: Buyers of rare vehicles at auctions often need enclosed transport to move their purchase without adding road miles.

Types of Car Transport: Shipping vs. Towing

Before requesting estimates, it is important to understand the different transport methods available. The industry primarily divides into standard auto shipping using large multi-car carriers and towing services, which use smaller specialized trucks for specific situations.

Here is a side-by-side comparison of the three main options:

CostLowestHighestMid-range
Vehicle ProtectionBasic (road exposure)Maximum (fully covered)Depends on rig type
Best ForStandard commuter vehiclesLuxury, classic, exotic carsNon-running or damaged vehicles
Typical Delivery TimeStandard (5–14 days)Standard / flexibleFaster for short routes
AvailabilityHigh nationwide coverageLimited specialty carriersHigh broad availability
Average Cost (coast-to-coast)$1,000–$1,500$1,800–$3,000Varies by distance

Open Carrier Transport

This is the industry standard and accounts for the vast majority of all shipments. Your vehicle is loaded onto an open-air multi-car trailer, similar to those used by dealerships to receive new inventory. It is highly cost-effective and readily available, making it the default choice for standard commuter vehicles.

Enclosed Carrier Transport

If you own a classic, luxury, or heavily modified vehicle, enclosed transport offers superior protection. The trailer is fully covered, shielding the vehicle from road debris, UV exposure, dust, and harsh weather. Insurance coverage limits are also typically higher with enclosed carriers, an important consideration for high-value vehicles.

Interstate Towing

Towing typically involves a flatbed tow truck or a single-vehicle hauler. This method is frequently used for non-running vehicles, accident recoveries, or short-distance moves across a nearby state border where booking a full multi-car carrier is unnecessary. Costs are more variable and depend heavily on distance and the type of tow rig required.

What Affects Vehicle Shipping Quotes?

Transport pricing is not a flat rate it fluctuates based on supply, demand, and specific logistical details. When you review estimates from various providers, the numbers will vary based on several key factors. Understanding these variables helps you evaluate quotes accurately and avoid being misled by artificially low bids.

Industry Insight: Open carrier cross-country transport typically ranges from $1,000 to $1,500. Enclosed carrier service for the same route costs approximately $1,800 to $3,000. These figures serve as a baseline for evaluating whether a quote is realistic.

Here is a breakdown of the variables that most significantly impact your final price:

DistanceShort hauls under 500 milesTranscontinental routes (2,000+ miles)
Vehicle Size & WeightStandard sedan or compact carFull-size SUV, pickup truck, van
Transport TypeOpen carrierEnclosed carrier
Delivery TimelineFlexible window (7–14 days)Expedited (1–3 days)
SeasonalityFall and winter (lower demand)Summer and early spring (peak season)
Pickup/Drop-off MethodTerminal-to-terminalDoor-to-door service
Vehicle OperabilityRunning and driveableNon-running (requires winch/special rig)
Route PopularityHigh-traffic corridors (CA–FL, NY–TX)Rural or remote destinations

Larger vehicles, such as full-size SUVs and pickup trucks, occupy more physical space on the trailer and add considerable weight. Carriers must carefully balance loads across trailer axles to comply with federal weight regulations, which is why heavier vehicles consistently attract a higher shipping fee. Non-running vehicles require special handling equipment and add time at pickup, which is also reflected in the price.

How to Get Accurate Vehicle Shipping Quotes

Obtaining reliable estimates requires more than submitting a basic inquiry. The more precise the information you provide upfront, the more accurate your quotes will be and the fewer unpleasant surprises you will encounter at pickup.

Follow this step-by-step process to get comparable, apples-to-apples estimates:

  1. Gather your vehicle specifications: year, make, model, trim level, and whether the car runs and drives under its own power.
  2. Determine your ideal timeline: your earliest available pickup date and your required delivery window.
  3. Decide on transport type: open or enclosed, based on your vehicle’s value, condition, and your budget.
  4. Request multiple estimates: contact at least three to five providers to establish the current market rate for your specific route and vehicle.
  5. Compare total cost, not just the base rate: ask whether the quote includes insurance coverage, fuel surcharges, and any accessorial fees.
  6. Verify credentials before booking: confirm the provider’s MC number and USDOT registration through the FMCSA database.

To streamline this process and ensure you are evaluating vetted, licensed companies side by side, you can gather and compare vehicle shipping quotes in one centralized place rather than tracking down individual providers manually.

Broker vs. Direct Carrier: Know the Difference

One of the most commonly misunderstood aspects of the auto transport industry is the difference between a broker and a direct carrier.

  • Auto Transport Broker: An intermediary who connects customers with a network of independent owner-operators and carriers. Brokers offer wider availability and competitive pricing through volume, but you may deal with a third party throughout the process.
  • Direct Carrier: A company that owns its trucks and employs its drivers directly. Communication is streamlined, and there is a single point of contact from pickup to delivery.

Neither model is inherently superior. Brokers often have better availability on difficult routes; direct carriers can offer more consistency on popular corridors. Always ask which model the company uses before committing.

State-to-State Car Towing: What You Need to Know

While standard shipping is ideal for long-distance moves, specialized towing is sometimes the more practical choice. If your vehicle has suffered a mechanical failure, sustained collision damage, or you need to move it a short distance across a nearby state border, flatbed towing provides a faster solution.

When arranging state to state car towing, there are specific legal and logistical requirements to keep in mind. Tow trucks crossing state lines are considered interstate commercial vehicles and must comply with Federal Motor Carrier Safety Administration (FMCSA) regulations, including maintaining a valid USDOT number, adhering to Hours of Service (HOS) rules under 49 CFR 395, and carrying appropriate federal insurance.

Additionally, each state along the route enforces its own rules on trailer dimensions, brake requirements, and weight limits. For example:

  • Width limits are fairly consistent nationwide, generally capping out at around 8.5 feet.
  • Height limits typically fall between 13.5 and 14 feet, though some states differ.
  • Trailer brake requirements vary significantly: New York requires brakes on trailers at just 1,000 lbs GVWR, while Texas sets that threshold at 4,500 lbs.
  • Total vehicle-and-trailer combination length limits range from around 55 feet in stricter states to 85 feet in states like Wyoming.

If your car is inoperable, meaning it cannot steer, brake, or roll under its own power, you must explicitly disclose this to the provider before booking. The driver will need a truck equipped with a specialized winch or a tilt-bed flatbed to load the vehicle safely. Failing to disclose this detail upfront will result in delays, additional charges, or outright cancellation at the pickup location.

How Insurance Works During Auto Transport

One area that is consistently misunderstood is insurance coverage during shipping. All licensed carriers are legally required to carry cargo insurance, but the details matter significantly.

  • Carrier Liability Coverage: Every FMCSA-registered carrier must maintain a minimum level of cargo liability insurance. However, coverage limits and deductibles vary widely between companies.
  • Ask for the Certificate of Insurance (COI): Before booking, request a copy of the carrier’s COI to verify coverage limits. A reputable company will provide this without hesitation.
  • Your Personal Auto Insurance: In many cases, your existing auto insurance policy may provide supplemental coverage during transport. Check with your insurer before shipping you may already be partially covered.
  • Condition Report at Pickup: At the time of pickup, the driver and you will complete a Bill of Lading (BOL), which documents the vehicle’s pre-existing condition with written notations and sometimes photographs. This document is your primary evidence if you need to file a damage claim.
  • Enclosed Carriers Typically Carry Higher Limits: For high-value vehicles, enclosed carriers often carry $500,000 or more in cargo coverage, compared to standard open carriers that may carry $250,000 or less.

Red Flags When Choosing a Car Shipping Company

The auto transport industry is competitive, and while most companies operate with integrity, there are bad actors. Protecting your asset requires diligent research. Watch for these warning signs:

  • The ‘Too Good to Be True’ Estimate: A price dramatically lower than the market average is almost always a lowball tactic. The carrier quotes low to secure your deposit, then demands more money before releasing the vehicle.
  • No Verifiable FMCSA Registration: Every legitimate interstate carrier and broker must hold a valid MC (Motor Carrier) number and USDOT number. Verify these at the official FMCSA Safer System website before paying anything.
  • Guaranteed Exact Delivery Dates: Logistics are subject to weather, traffic, and inspection delays. Legitimate providers give a delivery window typically two to four days not a guaranteed hour.
  • Requiring Full Payment Upfront: Reputable companies typically collect a deposit at booking and the balance at delivery. Full payment in advance is a major red flag, especially for cash or wire transfers.
  • No Written Contract: Any legitimate carrier will provide a written service agreement outlining pickup dates, delivery windows, cost, and insurance details. Verbal-only agreements offer you no protection.
  • Poor or Absent Communication: If you struggle to reach a representative before booking, reaching them while your vehicle is somewhere on the highway will be even harder.

Cost-Saving Tips for Interstate Vehicle Shipping

If you are working within a budget, there are proven strategies to reduce the overall cost of moving your vehicle without sacrificing reliability.

  • Keep Flexible Pickup Dates: Offering carriers a broad pickup window of 7 to 14 days allows them to fill their trailer efficiently, and they often pass savings on to flexible customers.
  • Choose Open Transport: Unless your vehicle is exceptionally valuable or fragile, open transport is the most economical option and just as safe for standard cars.
  • Ship in the Off-Season: Demand peaks in summer (family relocations tied to the school calendar) and in January (snowbird migration). Shipping in late fall or early spring typically yields better rates.
  • Use Terminal-to-Terminal Service: Some companies allow you to drop off and pick up at regional hubs rather than requesting door-to-door service. This reduces driver time and fuel costs, which translates to a lower quote.
  • Book Early: Last-minute bookings almost always cost more. Booking two to three weeks in advance gives carriers time to plan efficient routes and can reduce your final price.
  • Compare at Least Five Quotes: The range between the cheapest and the most expensive quote for the same route can be $300–$500. Using a comparison platform saves time and ensures you see the realistic market range before committing.

Final Checklist Before You Ship

Before you hand over your keys to the driver, ensure everything is in order. Use this checklist to prepare your vehicle and protect yourself throughout the process:

  • Wash the vehicle thoroughly so you can accurately document the exterior condition.
  • Take high-resolution, date-stamped photographs of all angles, noting any existing scratches, dents, or chips.
  • Remove all personal belongings, toll transponders, parking passes, and loose items from the interior.
  • Leave the gas tank at approximately one-quarter (1/4) full enough to load and maneuver the car, while keeping weight to a minimum.
  • Ensure the battery is fully charged and tire pressure is correct, especially for non-running vehicles being transported on a flatbed.
  • Disable the vehicle’s alarm system to prevent it from activating during transport.
  • Review the Bill of Lading carefully with the driver before signing. Do not sign if the condition listed does not match what you see.
  • Keep a copy of the Bill of Lading until the vehicle is delivered and you have inspected it at the destination.

Making a Confident, Informed Decision

Shipping a vehicle across state lines does not need to be stressful. Once you understand how pricing works, what the different transport methods involve, and how to screen carriers effectively, the process becomes straightforward. The key steps are consistent: gather accurate vehicle information, collect multiple quotes from vetted providers, verify credentials through the FMCSA, and document your vehicle’s condition thoroughly before and after transport.

Whether you are moving across two states or coast to coast, taking the time to compare your options will save you money, protect your assets, and give you peace of mind throughout the journey.

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Volatility, Hit Frequency, and RTP: Why the Number Casinos Advertise Is the Least Useful One

The return to player percentage looks clean as a casino data point. It gives players a neat number, usually around 94% to 97% for many online slots, and that number feels easy to compare. A 96.5% game appears better than a 95.2% game. The problem starts when players treat RTP as a forecast for their next 50 spins or one evening.

You may find the RTP listed on slot pages on a leading online casino in Ontario, but the number only tells part of the story. Two games can share the same RTP and create different sessions: one may return small wins often, while the other may drain a balance before one bonus round changes everything.

The RTP Trap

Return to player (RTP) measures the theoretical share of total wagers a game returns across a very large number of rounds. In plain terms, a 96% RTP slot returns about $96 for every $100 wagered in the long run. That does not mean one player who deposits $100 should expect $96 back.

The trap sits in the word “theoretical.” RTP comes from the game’s math model. It works across huge samples, not personal sessions. A player can finish far above that percentage, far below it, or with nothing left after a short run of poor results.

Is it useless then? No, RTP can still help. It gives a baseline cost of play. Lower-RTP games cost more on average than higher-RTP games. Still, once a game passes a reasonable threshold, the next question matters more: how does it distribute that return?

Hit Frequency: The Number That Shapes Session Feel

Hit frequency tells you how often a game produces a winning outcome. This often misleads players because any win can count. A spin that returns $0.10 on a $1 bet may still count as a hit, even though the player lost $0.90 in real terms.

A game can feel active because symbols connect often, sounds play, and the screen keeps celebrating small returns. The balance may still fall. In many modern slots, “win” does not always mean profit on the spin.

Hit frequency answers one practical question: how much silence can you tolerate? Some players dislike long dry spells. Others accept quieter sessions because they chase bonus rounds or larger payouts.

The educational site Get Gambling Facts gives a useful distinction: RTP concerns the percentage of money returned over time, while hit frequency concerns how often a machine stops on a winning combination.

Volatility: The Risk Label Players Need More Often

Volatility, also called variance, describes how unevenly a game pays. Low-volatility games tend to return smaller amounts more often. High-volatility games hold more value in rare events: bonus rounds, premium symbols, multipliers, or jackpots.

Here is where RTP becomes less useful on its own:

  • A 96% low-volatility slot may give modest returns and longer play from the same balance.
  • A 96% high-volatility slot may burn through funds quickly unless the player hits a strong feature.
  • A progressive jackpot game may look exciting, but it often places more value on rare top prizes.

The same RTP can hide very different risk profiles. Players who ignore volatility often blame the casino or the game when the session follows its math design.

Why the Same RTP Can Feel So Different

Picture two slots with 96% RTP. Slot A pays small wins on many spins, has a modest top prize, and rarely creates dramatic balance swings. Slot B pays less often but offers a large max win and volatile bonus rounds. The advertised return matches, but the experience does not.

Slot A may suit a player who wants a slower bankroll drop and more regular feedback. Slot B suits someone who accepts sharper losses in exchange for a shot at a heavier payout.

A Better Way to Read a Slot Page

Most slot pages give players more clues than they notice. The trick is to read the details together rather than chase the highest percentage.

Start with RTP. If two games look similar, the higher number has better long-term value. Then check volatility. If the game uses terms such as high, very high, or extreme variance, lower your bet size or expect shorter sessions. Next, look at the paytable. A huge max win usually means the game saves a lot of its value for rare outcomes.

A sensible pre-play check looks like this:

  • RTP: What is the average long-term return?
  • Volatility: How rough can the session become?
  • Hit frequency: How often will the game show any wins?
  • Paytable: Where does most value sit?

To Conclude

Casinos advertise RTP because it looks objective, tidy, and easy to rank. Players should read it, but they should not give it more authority than it deserves. For long sessions, volatility may matter more than a small RTP difference. For comfort, hit frequency may explain the feel better than the payback rate.

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They Deserve the Very Best”: The Doctors Bringing Specialist Care to Holocaust Survivors at Home

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