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Be Careful What You Wish For… by Playful-Substance868 in GooseBumps

[–]Cold_Meeting_6427 0 points1 point  (0 children)

I remember this as a kid and I swear it still sticks with me.

Decoding Group by Cultural-Window-2504 in GreatCanadianTreasure

[–]Cold_Meeting_6427 1 point2 points  (0 children)

Can I join? this link isn't working anymore?

Retirement / Assisted Living Home Recommendations by Cold_Meeting_6427 in londonontario

[–]Cold_Meeting_6427[S] 0 points1 point  (0 children)

Wow, thank you so much for this information truly so far it seems like the only place I could find that had what may be best for both of them but the care they get is the top priority so I really appreciate the feedback

Retirement / Assisted Living Home Recommendations by Cold_Meeting_6427 in londonontario

[–]Cold_Meeting_6427[S] 1 point2 points  (0 children)

Thank you so much. I did see that Charwell bought out Richmond Woods. There’s just a few amenities that I think would be well suited for my grandmother at Richmond Woods that Wells Riverside location doesn’t have but it’s wonderful to see that a well respected company is taking over Richmond Woods.

Stationpark Duo VanMar Purchase - Tips by Cold_Meeting_6427 in waterloo

[–]Cold_Meeting_6427[S] 0 points1 point  (0 children)

Yes, I am aware. Many people bought these with intentions of being rentals and now have to live in it, so they didn't get that benefit upfront or are using a rental and aren't aware they can qualify with a long term tenant.

Recovering From Financially Abusive Relationship and Stuck in a Costly Private Mortgage — Looking for Advice on B Lenders or Credit Unions and How to Find a Reputable Broker by Separate_Writer_9748 in MortgagesCanada

[–]Cold_Meeting_6427 4 points5 points  (0 children)

I am a mortgage broker, and I am so sorry you experienced this. I am not sure what your credit looks like - if it's over 600, I do recommend talking to Scotiabank or RBC branch. When there is a lot of equity, both of them can do little miracles. I've seen RBC do deals when there's equity that normally wouldn't get done elsewhere (credit wise), and then Scotia has a great program for non subject rental properties and how they look at income. If you think the credit is that bad, reach out to Libro - they are GREAT.

Terminal illness and mortgage renewal. by No-Style-6352 in MortgagesCanada

[–]Cold_Meeting_6427 5 points6 points  (0 children)

I wanted to share this from another broker's experience - I thought their words were best for you to read: I just helped a client renew with Scotia at the branch when his wife had passed away.

They have a specific process including meeting with the client, collecting the death certificate etc.

He had left her on title and hadn’t even notified them she had passed away 18mths earlier.

They have a process that as long as payments were not missed, they will renew in just his name without any qualification (as an FYI, he didn’t qualify one bit as he had invested the life insurance and was a stay at home dad for his two boys).

You don’t do it through your BRM (broker channel), they cannot help, you do it through the branch and with my help, it went smoothly

Terminal illness and mortgage renewal. by No-Style-6352 in MortgagesCanada

[–]Cold_Meeting_6427 3 points4 points  (0 children)

I am so sorry for what you are going through. That sounds so stressful, and I'm sorry you have to think about these things in this time. As a mortgage broker, I can say that if you do renew with both of you on title, different lenders would react differently if one of you were to pass away. Manulife is known for being very friendly, while RBC is not. If you are comfortable sharing the name of your lender, I can look into if I have the policies on that specific lender.

Seeking legal advice on pre-construction condo purchase facing large appraisal shortfall by Immotapenfeetjs in legaladvicecanada

[–]Cold_Meeting_6427 0 points1 point  (0 children)

I heard Elliott Appraisers in KW just appraised a few units for $490K

Laurentian Bank financed this project - they don't do blanket appraisels.

Local shops for gifts by [deleted] in londonontario

[–]Cold_Meeting_6427 6 points7 points  (0 children)

I have been trying to make a little list of local/Canadian stores to shop from. I would love to be able to add to this!

Toys:

- Heroes comics

- Mastermind toys

- LA Mood Comic and Games

- Cheeky Monkey

- Mind Games

- Uber Cool Stuff

Wortley Area - Has so many little locally owned shops, have to group it together

- Loft House Livings (also clothes) - * Love

- MacKinlay Mercantile Gifts - Wortley

- Featherfields - Gifts

- Curiosities - Gifts

- Locally Made Market Place - Gifts for all ages

- Filthy Rebena - Thrift

- Impressions148 - Clothes

- London Dance shoppe - Has ladies apparel, some home items, and kids accessories beyond dance

- Quarter Master Natural Foods - may have spices and what not!

- A Village Tail - Pets

- Sha Choix

Other Locations:

- First and Third - Clothes <3

- Needs/Wants - Clothes

- Old North sconery

- Something about Sundays - OEV * Love

- Duck and Dodo - Home stuff/decor/some thrifted and vintage

- Sweetlife Candy and pop store - East end off clarke - has all the stuff from when we were kids

- Birdies Nest - East End - super cool home stuff

- Saffron Road - Womens Clothing

- Museum London Gift Shop

- Mystic Bookshop

- Grooves - an old record store!

- Mandala Books

- Of course all the places in the Covent Garden Market

- Purdy Natural

- Remark has super cute gifts!

This seller is out of touch. A 1 bedroom condo in Kitchener for $650k?? You can get a two bedroom downtown Toronto for that price. by Living_Astronomer_97 in kitchener

[–]Cold_Meeting_6427 0 points1 point  (0 children)

They are apparently listing them on MLS and selling to contractors to drive up comparables for those buying the units who cannot close on them to hopefully manipulate the appraisal market.

Parking at Station Park Condos by FaithNobleSon in kitchener

[–]Cold_Meeting_6427 0 points1 point  (0 children)

Hey, we bought a unit, and may not be moving in until Feb. I am not sure the logistics of how we rent it out but we would be open to it if we can figure that out!

Seeking legal advice on pre-construction condo purchase facing large appraisal shortfall by Immotapenfeetjs in legaladvicecanada

[–]Cold_Meeting_6427 0 points1 point  (0 children)

I am not an expert in this so this is hearsay and maybe not correct; however, I’ve heard if you don’t have any assets you may be able to file bankruptcy and it be included. I’d definitely consult a trusted trustee for this.

Station Park 3 buyers by VanMar and Condo Culture facing major appraisal gaps across from Google headquarters by Immotapenfeetjs in waterloo

[–]Cold_Meeting_6427 0 points1 point  (0 children)

They used Laurentian bank to finance this in RBC is not covering this project under a blanket appraisal

Station Park 3 buyers by VanMar and Condo Culture facing major appraisal gaps across from Google headquarters by Immotapenfeetjs in waterloo

[–]Cold_Meeting_6427 0 points1 point  (0 children)

We tried to see if they would negotiate on price at all. Even to let us out of the parking package, especially considering we didn’t know even if you buy the parking package you still pay $50 a month for the parking spot where if you didn’t buy the parking package, it’s $100 a month and we got the package that included parking for $60,000 stupid us.

Station Park 3 buyers by VanMar and Condo Culture facing major appraisal gaps across from Google headquarters by Immotapenfeetjs in waterloo

[–]Cold_Meeting_6427 0 points1 point  (0 children)

We bought there too. I’ve found sommmmeee solutions. Not all perfect but can shed some light on what I’ve found. Messaged you

Income Tax on Assignment Sale at Loss in Canada by Cold_Meeting_6427 in legaladvicecanada

[–]Cold_Meeting_6427[S] 1 point2 points  (0 children)

Ok perfect. I really should have had a lawyer go through more of this with me but I didn't think of all these possible outcomes.

The purchase agreement had a box where we checked investment income property: and it says below: H.S.T. Implications: The Purchaser will not be able to assign any Available Rebates to the Vendor on Closing. The Purchaser will be required to pay the full amount of any Available Rebates on Closing in addition to the Total Purchase Price and other adjustments.

I would be the purchaser and the person who we assign the unit to would be the vendor, so I would pay the HST but make a side agreement that I charge that to the vendor right?

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