You know this winter came as a harsh reminder that home ownership in the GTA can get pretty challenging and a few of my older clients weren’t honestly prepared. In spite of the warnings that we received from weather experts, winter last year was pretty much a non-event.  Ron and I have a snow blower and I don’t think it even got one use.  A couple of light shovel days and voila - we were through it. This year though was a different story. Arctic temperatures, biting winds and