Not the full picture. Built from public records, which leave things out.Read by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date. Check the sources, and tell us if you spot a mistake. What this site can't tell you Read by hand. We read Tudor and Cashel's own documents for this site in October 2026; the Sources page lists which ones. The comparisons with other places still come from the Province's yearly reports.
Questions · 8 so far
Things worth asking about
We read Tudor and Cashel's financial reports and meeting minutes, and compared its numbers with 3 similar Ontario towns. These are the things that stood out.
What these are, and what they are not. A question here means a number or practice is unusual, or harder to see than it should be. It does not mean anyone did anything wrong. Most unusual numbers turn out to have ordinary explanations, and every question lists some. The only way to know is to ask.
Worth asking
Worth asking
There may well be a good reason. It is still worth asking what it is.
$110,000.00budgeted for Limerick fire standby in 2026, against $64,724.08 spent in 2025
The 2026 budget has $110,000.00 for "Limerick Standby", up from $64,724.08 spent in 2025. It has only $5,000.00 for "Madoc Standby", against $94,175.00 spent in 2025 and $70,000.00 budgeted. It also sets aside $100,000.00 for fire equipment, paid from reserves (savings set aside for later). The minutes explain that council ran a request for proposals, chose Limerick Fire Services as the preferred provider "subject to final agreement terms and Council approval of the required capital investment", and later signed an agreement with Limerick. The minutes do not say what the agreement costs each year or what the capital investment is.
Found by reading the town's own documents · 6 sources
$3,448,078book value of roads and bridges at December 31, 2025, after wear
At the June 2, 2026 meeting a notice of motion said the bridge needs a formal assessment because "the current numbers are felt to not properly reflect the true costs associated with the project". The Township's bridges and roads are worth $3,448,078 on its books after wear, but the reserve list in the statements does not name a bridge reserve. The 2026 budget has money for Millbridge bridge work but we did not find a Glanmire Bridge line in it.
Found by reading the town's own documents · 3 sources
$497,158.00budgeted for the capital reserve in 2026, against $585,634 of wear in 2025
The 2025 statements record $585,634 of wear on the Township's assets (amortization, the yearly accounting charge for using them up). Roads and bridges cost $8,815,078 and $5,367,000 of that has been used up. The budget puts $463,958.00 a year into the capital reserve in 2025 and $497,158.00 in 2026. We worked out that the 2026 amount is about 85 percent of 2025's wear charge. The savings are not small: the capital replacement reserve stands at $3,510,988. Council also moved $190,870 of the 2025 surplus into it.
Found by reading the town's own documents · 4 sources
$230,000.00budgeted for community centre renovations in 2026
The 2026 budget has $230,000.00 for community centre renovations. On the revenue side it lists "Medical Clinic Build" at $142,000.00, an item called "Gateway Contribution" at $89,999.00, and two transfers from reserves, $22,500.00 and $5,000.00. In February council directed staff to apply for Trillium capital funding for the community centre and medical centre. In June council allowed up to $5000 more for design of kitchen renovations. We did not find a published lease or funding agreement.
Found by reading the town's own documents · 4 sources
$52,276.00budgeted for council honorarium and mileage in 2026, against $47,753.51 spent in 2025
On March 10, 2026 council reviewed its remuneration "and comparisons to compensation in other Municipalities" and agreed new rates: mayor $6,800 a year and $250.00 per council meeting, deputy mayor $5,100 and $240.00, councillor $3,400 and $230.00, with committee meetings at $125.00. An annual cost-of-living factor is to be written into the by-law. By-law 2026-013 was passed on April 7, 2026. The 2026 budget line for council honorarium and mileage is $52,276.00, against $47,753.51 spent in 2025. We worked out that the budget line is $4,522.49 higher than 2025's actual.
Found by reading the town's own documents · 3 sources
$137,723audited annual surplus for 2025, against $310,097 moved to reserves
The audited statements show an annual surplus of $137,723 for 2025, against a budgeted deficit of $59,006. On May 5, 2026 council moved "the 2025 operating surplus of $310,097" to reserves. The statements explain that the budget council approves is set up differently from the audited statements, and note 9 reconciles the two.
Found by reading the town's own documents · 3 sources
$267,234.00budgeted for policing in 2026, against $237,135.44 spent in 2025
The 2026 budget has $267,234.00 for policing, against $237,135.44 spent in 2025. We worked out that this is about $30,098.56 more. In January the Township received notice of an 11% OPP billing increase. In June the minutes say a billing model was shown to police services board members but, "due to privacy concerns", was not shared with the Township.
Found by reading the town's own documents · 3 sources
$215,797investment income in 2025, against a budget of $135,000
Investment income was budgeted at $135,000 and came in at $215,797. The Township holds investments of $4,149,524, of which $3,205,738 is in a high-interest savings account, up from $948,205 the year before. The notes say the Township follows an investment policy. We list it so the policy and the reserves behind it can be seen.
Found by reading the town's own documents · 2 sources
$110,000.00budgeted for Limerick fire standby in 2026, against $64,724.08 spent in 2025
The 2026 budget has $110,000.00 for "Limerick Standby", up from $64,724.08 spent in 2025. It has only $5,000.00 for "Madoc Standby", against $94,175.00 spent in 2025 and $70,000.00 budgeted. It also sets aside $100,000.00 for fire equipment, paid from reserves (savings set aside for later). The minutes explain that council ran a request for proposals, chose Limerick Fire Services as the preferred provider "subject to final agreement terms and Council approval of the required capital investment", and later signed an agreement with Limerick. The minutes do not say what the agreement costs each year or what the capital investment is.
Why it matters
Fire protection is a service residents cannot do without. A change of provider moves tens of thousands of dollars a year, and the one-time equipment spending is paid from savings that belong to all ratepayers. Residents can only judge it if the yearly cost and the equipment plan are public.
It could be because…
The 2025 Madoc cost may have included a one-time catch-up, and the Madoc line is small in 2026 because the Township chose a new provider through an open request for proposals.
The $110,000.00 may include a share of equipment and start-up costs that will not repeat every year.
The fire equipment money is a one-time purchase from reserves, not a yearly cost.
Questions you could ask
What is the yearly cost of the agreement with Limerick, and what is the payment schedule?
What is the "required capital investment", who will own the equipment, and how much is it in total?
Was the Madoc fire claim settled, and what did the Township pay in 2025 under the Madoc standby line?
Will the signed agreement and the review committee's report be posted?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
Report back from the closed session: "He commented on the status of the Madoc Fire claim and that no further communication had been received from Madoc Township on the matter." The same report says a request for proposals for services was approved, with a timeline of October 15, 2025 to December 15, 2025 to receive proposals, sent to neighbouring townships.
Motion 2026-018: council approved the Review Committee's recommendation "to proceed with Limerick Fire Services as the preferred proponent for municipal fire services, subject to final agreement terms and Council approval of the required capital investment".
Motion 2026-091 passed By-law No. 2026-020, an agreement with the Township of Limerick for fire services, "subject to the removal of 10.2, clarification of the payment schedule and section 14 training listing for MNRF" (April 7, 2026). Motion 2026-100 approved a letter to the Minister of Natural Resources about the termination of the Wildland Fire Agreement.
Motion 2026-128 waived provisions of Procurement By-law No. 2018-037 "to permit the purchase of used fire equipment through auction, bidding platforms, or equipment traders", for "a mini pumper and/or tanker to support fire protection services in the southern portion of the Municipality". Motion 2026-120 passed By-law No. 2026-020 for fire services as amended.
$3,448,078book value of roads and bridges at December 31, 2025, after wear
At the June 2, 2026 meeting a notice of motion said the bridge needs a formal assessment because "the current numbers are felt to not properly reflect the true costs associated with the project". The Township's bridges and roads are worth $3,448,078 on its books after wear, but the reserve list in the statements does not name a bridge reserve. The 2026 budget has money for Millbridge bridge work but we did not find a Glanmire Bridge line in it.
Why it matters
A bridge that has to close or be rebuilt can cost more than a small township spends on roads in a year. Knowing the real cost early lets residents and council plan, and decide whether to ask the province or county for help.
It could be because…
The notice of motion is the first step: council is asking for the study that will set out the cost, which is the right thing to do.
Money may be held in the general or capital replacement reserve rather than in a reserve with the bridge's name on it.
Costs for Glanmire Bridge may sit in the roads capital lines the budget does not break out by structure.
Questions you could ask
What is the current estimate for Glanmire Bridge, and what is the new assessment expected to cost?
Which reserve, if any, is set aside for it?
Will the assessment be posted when it is finished?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
The evidence
Notice of Motion: "Glanmire Bridge will require a formal assessment to define the full cost associated with its replacement or repair as the current numbers are felt to not properly reflect the true costs associated with the project." It adds that the Township needs to engage other levels of government for support.
Note 11, reserves: "General" 447,038, "Tangible capital asset replacement" 3,510,988, "Library" 425, "Landfill closure and post-closure" 256,000, "Total Reserves" 4,214,451. No reserve is named for a bridge.
$497,158.00budgeted for the capital reserve in 2026, against $585,634 of wear in 2025
The 2025 statements record $585,634 of wear on the Township's assets (amortization, the yearly accounting charge for using them up). Roads and bridges cost $8,815,078 and $5,367,000 of that has been used up. The budget puts $463,958.00 a year into the capital reserve in 2025 and $497,158.00 in 2026. We worked out that the 2026 amount is about 85 percent of 2025's wear charge. The savings are not small: the capital replacement reserve stands at $3,510,988. Council also moved $190,870 of the 2025 surplus into it.
Why it matters
Roads are a township's largest asset. If yearly savings run below the rate assets wear out, the gap lands on future taxpayers or on grants.
It could be because…
The wear charge is based on what assets originally cost, and is not a replacement plan, so it is only a rough guide to what should be saved.
Grants such as the Ontario Community Infrastructure Fund pay for a large share of road work, so the Township does not have to save for all of it.
Surplus transfers each year top up the reserve, and the reserve rose from $3,095,743 to $3,510,988 in 2025.
Questions you could ask
Does the Township have an asset management plan with a yearly savings target, and is it posted?
What share of 2026 and 2027 road and bridge work is expected to be paid from grants?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
The evidence
Note 13, expenses by object: "Amortization" 563,958 (2025 budget), 585,634 (2025 actual), 563,958 (2024 actual). Schedule of tangible capital assets, roads and bridges: cost, end of year 8,815,078; accumulated amortization, end of year 5,367,000.
Motion 2026-109: council directed "the 2025 operating surplus of $310,097 to be transferred to reserves with $119,227 moving to general and $190,870 moved into the tangible capital reserves."
$230,000.00budgeted for community centre renovations in 2026
The 2026 budget has $230,000.00 for community centre renovations. On the revenue side it lists "Medical Clinic Build" at $142,000.00, an item called "Gateway Contribution" at $89,999.00, and two transfers from reserves, $22,500.00 and $5,000.00. In February council directed staff to apply for Trillium capital funding for the community centre and medical centre. In June council allowed up to $5000 more for design of kitchen renovations. We did not find a published lease or funding agreement.
Why it matters
Several sources are paying for one project. If one falls through, the gap lands on the Township's reserves or taxes.
It could be because…
Council is combining grants, a partner's contribution and reserves, which is a normal way to fund a building project.
The kitchen design money is a small step to get an estimate before council commits.
Questions you could ask
Who is Gateway, what has it agreed to contribute, and is there a written agreement?
What is the total project cost, and what will the Township pay if the Trillium application is not approved?
What does the medical clinic lease bring in, and for how many years?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
The evidence
Community Centre expenses: "Community Centre Renos 16-7021" 230,000.00. Totals: 287,400.00 (2026 estimate).
Motion 2026-028: "RESOLVED, THAT Council directs the Clerk to apply for Trillium Capital funding for improvements to the Community centre and Medical centre."
Motion 2026-157: "Council allows for up to $5000 to be invested in further design of the proposed Kitchen Renovations to be brought back to council for further discussion."
$52,276.00budgeted for council honorarium and mileage in 2026, against $47,753.51 spent in 2025
On March 10, 2026 council reviewed its remuneration "and comparisons to compensation in other Municipalities" and agreed new rates: mayor $6,800 a year and $250.00 per council meeting, deputy mayor $5,100 and $240.00, councillor $3,400 and $230.00, with committee meetings at $125.00. An annual cost-of-living factor is to be written into the by-law. By-law 2026-013 was passed on April 7, 2026. The 2026 budget line for council honorarium and mileage is $52,276.00, against $47,753.51 spent in 2025. We worked out that the budget line is $4,522.49 higher than 2025's actual.
Why it matters
Council sets its own pay, so the public is the only check. The Township has explained it compared itself with other municipalities, but it has not published that comparison.
It could be because…
Pay had not been reviewed for some time and the rates were out of line with similar townships, which is what the minutes say council looked at.
Part of the increase in the budget line is for meetings and mileage, which depend on how many meetings are held.
Questions you could ask
Will the comparison with other municipalities that council looked at be posted?
How is the cost-of-living factor worked out, and is there a cap?
What is the expected yearly cost of the new rates, in total?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
The evidence
"Council discussed the current remuneration and comparisons to compensation in other Municipalities." "An annual COLA factor will be added to the bylaw to keep compensation current." New rates: "Mayor - $6,800/yr and $250.00/council meeting", "Deputy Mayor - $5,100/yr and $240.00/council meeting", "Councillor - $3,400/yr and $230.00/council meeting"; committee meetings "$125.00/meeting".
Motion 2026-084: By-law No. 2026-013 "being a bylaw to set the remuneration and honorarium paid to the members Council for Tudor and Cashel Township", passed April 7, 2026.
$137,723audited annual surplus for 2025, against $310,097 moved to reserves
The audited statements show an annual surplus of $137,723 for 2025, against a budgeted deficit of $59,006. On May 5, 2026 council moved "the 2025 operating surplus of $310,097" to reserves. The statements explain that the budget council approves is set up differently from the audited statements, and note 9 reconciles the two.
Why it matters
Residents hearing both numbers may think one is wrong. They measure different things: the audited figure counts the yearly wear on assets, and the operating figure does not.
It could be because…
Different accounting bases explain the gap, as note 9 says. We did not rebuild the $310,097 ourselves.
Questions you could ask
Could the Township post a one-line reconciliation from the operating surplus to the audited surplus each year?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
The evidence
Statement of operations: "ANNUAL SURPLUS/(DEFICIT)" (59,006) budget 2025, 137,723 actual 2025, 282,994 actual 2024.
Note 9: the budget approved by the Township "differs from the budget reflected on the Consolidated Statement of Operations". Reconciliation: tangible capital asset additions 243,500; amortization (563,958); principal repayment of long term debt 76,000; transfers to/(from) reserves and reserve funds 182,473; board surplus 2,979; result (59,006).
Motion 2026-109: "the 2025 operating surplus of $310,097 to be transferred to reserves with $119,227 moving to general and $190,870 moved into the tangible capital reserves."
$267,234.00budgeted for policing in 2026, against $237,135.44 spent in 2025
The 2026 budget has $267,234.00 for policing, against $237,135.44 spent in 2025. We worked out that this is about $30,098.56 more. In January the Township received notice of an 11% OPP billing increase. In June the minutes say a billing model was shown to police services board members but, "due to privacy concerns", was not shared with the Township.
Why it matters
Policing is one of the Township's biggest bills, and it is set outside the Township. Residents can only follow it if the billing method is explained.
It could be because…
The increase matches the OPP's own billing notice, so the budget is following a known bill and is not a local choice.
The billing model may be confidential until the police board releases it.
Questions you could ask
When will the Township be able to see the billing model, and what will it do to the 2027 bill?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
Police service board update: a council member who sits on the board "participated in a billing model presentation that was shared with board members but due to privacy concerns not shared to township."
$215,797investment income in 2025, against a budget of $135,000
Investment income was budgeted at $135,000 and came in at $215,797. The Township holds investments of $4,149,524, of which $3,205,738 is in a high-interest savings account, up from $948,205 the year before. The notes say the Township follows an investment policy. We list it so the policy and the reserves behind it can be seen.
Why it matters
Interest on savings reduces the tax bill, but a large balance in one account is worth explaining.
It could be because…
Interest rates were higher than budgeted, and the money mostly belongs to reserves of $4,214,451 that are being saved for later.
A savings account is a safe place to hold money that may be spent soon on bridges and equipment.
Questions you could ask
Is the investment policy posted, and how much of the balance is expected to be spent in the next two years?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Tudor and Cashel?Send us your answer and we will publish it with this question.
The evidence
Statement of operations: "Investment income" 135,000 budget 2025, 215,797 actual 2025, 187,595 actual 2024.
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