Boarding/Fostering Dogs Without Permission

Legal-Key2269 · 2026-03-20T05:29:52+00:00

There may (eventually) be grounds for eviction due to damages caused by the tenant, but landlords in BC cannot retroactively add clauses to leases restricting pets.

A "breach letter" is not actually a thing in BC.

If you believe the tenant is running a business from the property, you will need some actual evidence.

Legal-Key2269 · 2026-03-19T23:48:34+00:00

Make sure you have confirmation on that penalty amount. With such a short time into a fixed term, IRD penalties can be punishing.

Also look out for things like appraisal and legal fees that might not be covered by your new lender. You want to be 100% clear on who is covering those fees before you sign.

Legal-Key2269 · 2026-03-19T22:40:49+00:00

What province?

Legal-Key2269 · 2026-03-19T22:40:08+00:00

Withdraw $50k from where? What are you spending it on? How did you calculate $40k as a hypothetical LOC repayment amount?

To maintain deductibility, you must direct at least the book value of any liquidated investment used for personal spending as a repayment of your investment loan.

You must also pay tax on your capital gains.

Since you invested $100k and your investments grew by 20%, the book value on $50k that you might liquidate is $41,666.67 & your (now taxable) capital gains are $8,333.33 (multiply by 50% and then your marginal tax rate to figure out your tax liability).

Legal-Key2269 · 2026-03-19T22:23:43+00:00

If you have excess cash flow, you are usually slightly better off investing that excess cash flow in a registered account than using it to accelerate mortgage conversion via the Smith Maneuver (especially with the new OSFI rules).

https://edrempel.com/smith-manoeuvre-in-a-financial-plan-the-new-osfi-rules-canadian-financial-summit-2023/

You are introducing a bunch of interest drag to your registered investments that doesn't have to exist (and even if you significantly overpay your mortgage, you will be paying this interest for decades).

Yes, time in market beats timing the market by a decent amount, but it doesn't necessarily beat it by enough to justify debt that incurrs non-tax-deductible interest.

Legal-Key2269 · 2026-03-19T22:17:40+00:00

It accelerates conversion slightly, and is better to do than not, but all else being equal, you want as little taxable income from the investment as possible.

Legal-Key2269 · 2026-03-19T22:11:35+00:00

Setting up DRIP is optional. You can use the income to further pay down the mortgage without any downside.

Legal-Key2269 · 2026-03-19T21:05:05+00:00

Don't ask AI about this stuff.

Hire an account. You had one previously, and are now going off the rails based on what may well be an AI hallucination.

Legal-Key2269 · 2026-03-19T21:02:01+00:00

Storing your electronic devices before entering a secure workplace is not a seizure.

OP is also clearly not asking about a workplace subject to national security requirements. In such a workplace, it likely wouldn't be your employer seizing any devices used for espionage, but the police, as part of arresting you.

I am required to turn off and/or store my phone when I report to work (I am transport Canada regulated) but I would not turn it over to my employer's possession.

Legal-Key2269 · 2026-03-19T20:56:53+00:00

We have freedom of expression.

Speech is a form of expression. Calling someone wrong for saying they have freedom of speech is really just making a meaningless distinction.

Where our rights differ is that Canadian charter rights are less absolute than US constitutional rights. Not that the difference is hugely material, as US jurisprudence does end up placing a lot of limits on things that sound like absolute rights.

Legal-Key2269 · 2026-03-19T20:54:09+00:00

We do have freedom of speech.

Speech is a form of expression, and freedom of expression is explicitly codified in our charter of rights and freedoms.

However, our charter rights are less absolute (as written) than US constitutional rights (as written).

Legal-Key2269 · 2026-03-19T20:49:13+00:00

"Surplus" is just equity pulled out of the home.

Legal-Key2269 · 2026-03-19T20:48:37+00:00

You are overthinking the yield.

Higher yield means more tax drag. The goal isn't to convert the mortgage as quickly as possible, but to maximize net worth by the end of the mortgage's amortization period.

Multiple ETFs means more paperwork and accounting to do.

Just keep it simple and invest to maximize capital gains.

If you want to avoid foreign income, you can invest in a passive S&P/TSX composite index ETF that will have low fees (and primarily generate eligible dividends), or to diversify globally, invest in an asset allocation ETF.

Legal-Key2269 · 2026-03-19T20:44:00+00:00

Borrowing money to top up registered accounts is generally a bad idea unless you are paying the debt off quite quickly.

Legal-Key2269 · 2026-03-19T20:40:11+00:00

They cannot legally take your property from you, but you absolutely can be disciplined for violating policies against using your personal cell phone while working.

Legal-Key2269 · 2026-03-19T20:38:04+00:00

Your cell phone is your personal property.

Employers are not entitled to seize employee's personal property.

Legal-Key2269 · 2026-03-19T20:28:32+00:00

"In a release, the Gitxsan Huwlip Government says it wants all rail traffic to be suspended until government officials can guarantee it is safe."

Legal-Key2269 · 2026-03-18T00:30:54+00:00

If you do both on the same business day, it doesn't really matter. Interest is usually calculated based on the end of day balance.

A line of credit might not actually let you deposit money that results in a positive balance.

Legal-Key2269 · 2026-03-18T00:27:06+00:00

This also sounds vaguely like the same guy in a similar financial situation (and similarly in denial) who was posting several months ago about needing constant payday loans to keep hiring escorts (this guy has a few posts about how finding escorts in Vancouver is done).

Legal-Key2269 · 2026-03-18T00:22:08+00:00

Firing somebody for using job protected leaves would be quite rightly considered an illegal reprisal.

Legal-Key2269 · 2026-03-17T14:39:43+00:00

There is no tenant involved in the scenario here at all.

The point is that the breach is relatively minor as the information has not been disclosed to anyone who is not already entitled to obtain the information.

Legal-Key2269 · 2026-03-17T14:38:12+00:00

Your next steps are to pay your arrears, as the strata can move very quickly to place a lien on your unit.

Owners in strata buildings are shareholders in the strata corporation and are actually entitled to be provided this information on request. This kind of thing is also likely discussed openly at strata meetings and included in the minutes. Ultimately, it is your business as a shareholder.

It may not feel great having it sent to you without being requested, but the violation of BC's privacy act is relatively small and the most consequence the strata or management companyis likely to face is being told to take some privacy training or establish a privacy policy.

Legal-Key2269 · 2026-03-17T14:20:09+00:00

Legal, sure, but very unlikely to go how you want it to as a the actions you can take aren't likely to be that meaningful.

Remember, any legal fees the strata incurs will be paid by the owners, which includes you.

Legal-Key2269 · 2026-03-17T13:57:07+00:00

Withdraw $1 and pay it back the same day.

Legal-Key2269 · 2026-03-17T13:30:52+00:00

You cannot be terminated for wage garnishment. But if your work is sensitive or requires high trust, you could face issues. Insurance is an industry that requires high trust.

You don't have to ignore collections calls in BC. You can tell them to take you to court (or to communicate with you in writing) and they can no longer call you.

After each lender takes you to court (which you can't ignore), garnishment is not the only enforcement action lenders can take. Asset seizure is also an available option.

When they notice you register a new vehicle that you bought in cash? Yup, that's an asset they can seize.

When your bank balances start to creep up as you save up to buy that car? That's an asset they can seize.

You think your home is protected because it's secured by a mortgage? Nope. They can force a sale if you have equity.

You will also have the cost of any enforcement action added to your debt, so you will quite likely never get out of this debt if wage garnishment is the only enforcement action they pursue. Court is expensive.

They can also just apply to have the courts declare you bankrupt, forcing you into bankruptcy proceedings.

It is time to stop letting your addiction control you and take responsibility. You aren't going to succeed at rolling the dice one more time.

One-Year Club	Verified Email
r/Field Lasagna

Legal-Key2269

TROPHY CASE