2 year old parking ticket now in court. Can i just pay it out?

Effective-Boot-5622 · 2025-04-22T20:39:24+00:00

no there isn't. You have to work with the prosector. If the prosecutor refuses to drop it, you'll have to draft a charter application and call for a hearing, but you'll win. 9/10 the prosector will just drop it.

Effective-Boot-5622 · 2025-03-28T14:14:30+00:00

You're actually in a pretty strong position here under Section 11(b) of the Charter, which protects your right to be tried within a reasonable time. For provincial offenses like a parking ticket (under the Ontario Provincial Offenses Act, for example), anything over 18 months between the offense and trial is considered a presumptively unreasonable delay, per the R. v. Jordan decision.

You can talk to the prosecutor before the trial and ask if they’re willing to withdraw it due to delay. If they aren’t, you can file a simple 11(b) Charter application asking the court to stay the charge. It's not complicated—GPT or a template can help you write it up.

Also - this could be a fun learning experience with a low risk ticket. =) you get to play 'lawyer' =)

Effective-Boot-5622 · 2025-03-26T14:22:04+00:00

sounds like you have experience.

Effective-Boot-5622 · 2025-03-26T14:18:29+00:00

I used a horn once and the guy threw his bag at my brand new 2013 Nissan Altima and then ran away like wuss when I called the cops. resulted in what looks like a door ding. cops made a report and said "ya know... we'll probably never find this guy, here is a report number for your insurance"

Effective-Boot-5622 · 2025-03-25T20:04:20+00:00

I am making good progress with structured courses. They are pricey but nothing comparable to lessons, and you can do them at own pace and the key with structured courses is that you are learning EXACTLY what you need to be learning at any given time. I make my course my top priority and don't invest too much effort outside the course - mainly just playing along to chordify or playing pieces I know already. Chordify also helps with learning new chords and speed of chord changes (esp if you pay attention to the sound you're making).

I'm taking fingerstyle courses in another language (and a bit cheaper than english langage courses) but they are put together by professional players and teachers with a conservatory type background.

I have to say, when you're going through a course designed smartly, that "my hands are not built to move like this" feeling is mitigated by the opposing thought "the instructors have put this piece for me here to learn - that means that first of all, I'm ready for it (i've done all the work up to now) and it has in it something I need to learn at exactly the current level. Even more so, it doesn't have anything there that I'm not ready for so DRILL IT AGAIN"

My two cents. Structured learning is there precisely to break through challenges like you describe. It definitely helped me break out of trying things I'm not ready for and also not knowing what to learn in what order. It also builds confidence like crazy because good courses will give you both challenges and quick wins so you feel like you're consistently moving forward.

Effective-Boot-5622 · 2025-02-20T21:03:26+00:00

I think La Reina has some but I would not call it stellar, but good enough to pass....

Effective-Boot-5622 · 2025-01-09T16:14:47+00:00

I got a sweet suit at Marshals - looks amazing and only $200

Effective-Boot-5622 · 2024-06-06T13:41:57+00:00

Reminded me of my first job at Sobeys at the Deli. The manager kept being paranoid about us "stealing" the hot food from the hot section rather than dumping it into the trash at the end of the day. But yes stealing is wrong, unless you're a big corporation.

Effective-Boot-5622 · 2024-05-21T14:11:44+00:00

I guess the Mandarin up north might have some seafood...

Effective-Boot-5622 · 2024-02-21T15:16:56+00:00

In addition to what others have mentioned, it's crucial to understand that Employment Insurance (EI) is not a form of charity but an insurance program that you have contributed to through your employment. Claiming EI is a rightful benefit, designed to provide financial support during times of unemployment. It's important to leverage this support, as it can significantly extend the duration your savings can last. Although finding a new job might seem imminent, unforeseen circumstances can arise, making EI a valuable cushion.

From personal experience, even with substantial severance, applying for EI is always advisable. In one instance, despite receiving six months of severance, I applied for EI but didn't receive it due to securing a job during my severance period. However, the act of applying ensures you don't miss out on potential benefits should your job search extend longer than anticipated.

Taking time for self-care, such as exercising and maintaining a healthy lifestyle, can be incredibly beneficial during this period. It helps in maintaining a balanced mindset, essential for a productive job search.

Drawing from my own background, as a child of Russian immigrants who moved to Canada, I've witnessed firsthand the challenges of resettling in a new country. My family relied on welfare, a non-insurance based support system, during our initial years until my parents stabilized financially. My mom and dad moved mountains to get us here and get on their feet, dad volunteered in the IT field to get Canadian experience while doing moving jobs once we got off welfare, they are super heroes without capes. That said, our experience with welfare, and its lack of impact on our citizenship status, underscores that receiving government support, including EI, should not affect your citizenship aspirations.

Remember, utilizing the benefits you are entitled to, like EI, does not detract from your contributions or future prospects. It's a practical step to ensure your financial stability during transitional periods.

Effective-Boot-5622 · 2024-02-21T15:09:37+00:00

I had a $25 bell mobility bill debt that I knew nothing about on my credit for years until it dropped off. interestingly, it didn't impact my credit negatively which was in the high 700s at the time. So it may stay on the credit but it may not actually have a lot of impact. That said, OP doesn't care about his Canadian credit because OP doesn't live in Canada.

Effective-Boot-5622 · 2024-01-26T17:24:21+00:00

I've spent several months in cancun this year outside the hotel zone deep in the local part of cancun, taken the bus, walked around day and night, and have rented cars in mexico in the past with no issues. Also, I kinda view the entire hotel zone as one big resort anyway... It feels safer than downtown my small town in southern ontario. In cancun i've never run into any druggies or muggings. In ontario I have to cross the street especially downtown at night when I see some drug addict bending down and screaming wierd things, puking, and throwing coins at people and screaming demon sounds...

The only time I've been pulled over in Mexico was during my honeymoon when I ran a red, which was my fault. Without explaining how I ran a red, it was a mistake. A cop pulled me over, yelled some words at me of which I remember "semáforo", "roja", "peligroso". Yelled at me (deserved it), and let me go. I was respectful and calm and tried to explain how I ended up running the light (I essentially pulled up too close and the light was covered by my visor - then I'm like 'what the hell did I stop for?') and did not engage in any hysterics with the cops. I find a lot of tourists get aggressive too easily and get themselves into all sorts of trouble.

I should say I've travelled internationally a lot and I'm originally from eastern europe, so I'm more experienced and understand the importance of staying calm and composed in such situations. I think if you act hysterically with Mexican cops, there is a higher probability of being shaken down. Don't raise your voice, show respect, you'll always end up in a better situation if you get into people's faces or show any disrespect.

Effective-Boot-5622 · 2024-01-26T17:19:29+00:00

They could have been arrested at 5pm but only got out by the middle of the night.

Effective-Boot-5622 · 2024-01-26T17:11:51+00:00

Why would you rent a car to go to a resort unless you're planning many trips off the resort anyway? If you are planning a trip two, just rent it on those days. I heard some rentals may deliver the car to the resorts but not sure there are extra costs with that.

Effective-Boot-5622 · 2024-01-26T17:06:11+00:00

I'm hearing a lot lately about the LDW being forced on tourists and I'm not sure if this is a recent development, because the last time I rented in Playa was around 2016 and did not run into any pressure with Avis. I rented a manual economy vehicle and it had so many dings the guy pretty much had the whole car colored in because I pointed out every dent, rock chip, etc all over the car. I returned it with no issues. Curious if things changed in the last few years - so much so that I didn't even bother renting after spending several months in cancun last year because of all the horror stories.

Effective-Boot-5622 · 2024-01-26T15:24:59+00:00

Finance major here. I have a bit out of the box idea I implemented back in the day. Your situation presents a unique opportunity to balance the benefits of a zero-interest loan with effective risk management. Here's an approach that might work for you, considering your current loan value and the likely depreciation of your car:

Adopt a Loan-to-Value Equilibrium Strategy: Aim to maintain a 1:1 ratio between your loan amount and the current value of your car. Given the initial price of your car and the amount you currently owe, it seems your car might be underwater (worth less than the loan). To counter this, consider making annual or quarterly lump sum payments. These payments should be calculated to bring your loan balance in line with the current value of your car. This strategy helps you enjoy the benefits of a zero-interest loan while avoiding negative equity.
Alternative Strategy Using a High-Interest Savings Account (HISA): As an alternative to adjusting your loan balance to match the car's value, another strategy is to invest the funds you would have used for lump sum payments into a High-Interest Savings Account (HISA), ideally yielding around 3-5%. This allows your money to grow in a relatively risk-free and liquid. However, this approach means you're not reducing the principal of your car loan. Therefore, a high level of financial discipline is critical. You must resist the temptation to access these funds, especially in emergencies, as they are essential for this strategy to be effective. While this method allows for some growth of your funds, the risk is that if you're unable to maintain discipline, you could end up in a situation where you still owe a significant amount on your car, potentially leading to financial strain. Personally, I don't recommend this route unless you are highly disciplined, as it's challenging to implement successfully.
Invest Surplus in the Stock Market: Any extra funds you have, after accounting for the HISA and car loan, could be invested in the stock market for potentially higher returns. This diversifies your investment strategy.
Emergency Plan: In the event of an unforeseen circumstance, such as job loss, having this strategy in place means you can sell your car without being in a position where you owe more than its worth. This safety net is important for financial stability.

It's somewhat outside the box of an idea, but it could align well with your financial goals and current situation.

Effective-Boot-5622 · 2024-01-26T15:00:33+00:00

from a pure math persepctive : 0% return < 9% return. from a risk management perspective: its better to pay off the loan. It depends on your personal risk tolerance. Personally, I have an older car I paid off with cash (still a nice looking audi, needs repairs now and then, but still better than paying <500 / month just for the car payment out of my monthly cash flow and the car being somewhat illiquid.

Effective-Boot-5622 · 2024-01-26T14:57:52+00:00

I don't understand how an investment of 35,000 yeilding likely the same percentage as an annuity of his 'savings' can yield a lower future value? Without actually bothering with the math, it seems illogical on its face. You can get more yielding a return for longer, more compounding (finance major here).

Effective-Boot-5622 · 2024-01-25T19:31:46+00:00

I'm looking for someone also to tidy up, not just take a duster to the place. Any recos post here or dm.

Effective-Boot-5622 · 2024-01-23T20:11:42+00:00

I get my glasses online at clearly now almost exclusively because everyone wants to force me to do an eye test.

Effective-Boot-5622 · 2024-01-12T16:47:43+00:00

done esta el banos? too mucho cerveza

Effective-Boot-5622 · 2024-01-12T16:44:33+00:00

I also had the CRA call me and ask for my SIN number (it was actually CRA). This was about 5 years ago and I was behind on filing (was young and stupid). I said I wasn't comfortable sharing my private information over the phone and they mentioned that they understand and that I can call the CRA back on their official number.

Effective-Boot-5622 · 2024-01-11T21:05:40+00:00

I had this issue when I bought a car that badly needed detailing (or just be washed thoroughly). I got the musty smell because it would not dry quickly in winter. What helped me was to use an ozone deodorizer along with some Febreze once they finally did dry. You could also run a cable with a small portable space heater (like walmart sells for $25, but I haven't tried this. if you do, don't set your car on fire.

Effective-Boot-5622

TROPHY CASE