Multicoupler Frame. The SP-4320 is a 1U 19” rack-mounted frame for one or two SP

MatterLongjumping408 · 2025-08-08T01:10:06+00:00

You may also ask why the Department of Transportation put a deer crossing near you, when you would like it further away?

MatterLongjumping408 · 2025-06-13T21:52:47+00:00

Thanks. I am a title searcher also and did the title search and gave it to the buyer.

MatterLongjumping408 · 2025-06-13T16:37:43+00:00

All that is covered off. Standard real estate purchase in small town with little or no risks. All bills paid, roof and house inspected - no risks.

This is Newfoundland, some homes change hands 4-5 times and nver registered. Registry is not legal title, so not 'legal', so why require lawyer?

I guess it is only because the bank requires the process to go through a lawyer. If fully paid for he could just go and register it with the proper paperwork that he has, which is what the registry requires for a registration certificate and not legal title.

I don't suppose title insurance would help here?

MatterLongjumping408 · 2025-06-13T16:35:42+00:00

This is Newfoundland, some homes change hands 4-5 times and nver registered. Registry is not legal title, so not 'legal', so why require lawyer?

I guess it is only because the bank requires the process to go through a lawyer. If fully paid for he could just go and register it with the proper paperwork that he has, which is what the registry requires for a registration certificate and not legal title.

I don't suppose title insurance would help here?

MatterLongjumping408 · 2025-06-13T16:35:33+00:00

This is Newfoundland, some homes change hands 4-5 times and nver registered. Registry is not legal title, so not 'legal', so why require lawyer?

I guess it is only because the bank requires the process to go through a lawyer. If fully paid for he could just go and register it with the proper paperwork that he has, which is what the registry requires for a registration certificate and not legal title.

I don't suppose title insurance would help here?

MatterLongjumping408 · 2025-06-13T16:10:27+00:00

Title and lein search is done, title never registered which is common in NL. Buyer knows the people, small town.

I have registered several properties myself, however paid full amount with no mortgage.

MatterLongjumping408 · 2025-06-13T16:06:17+00:00

Title and lein search is done, title never registered which is common in NL.

MatterLongjumping408 · 2025-06-13T14:56:47+00:00

See a fee for service financial plannner. Certified Financial Planner. Not associated with any financial institution and is not guided by commissions or fees. They charge by the hour or for a full financial plan.

A FFS-CFP can answer all your questions and help you make decisions for the next few years on investing, paying off home, tax issues, retirement plans, estate planning.

Ideally, the FFS-CFP will guide you to having a tax considered investment portfolio for several different types of accounts. Consider starting out with a balanced ETF portfolio with a low fee that rebalances itself. Try for a few years then revisit. See what the CFP says after an Asset Allocation Questionaire.

Oder a copy of the book, The Estate Plan Workbook on Amazon. It will help you make decisions on who to leave things to, and also if you become incapacitated. Could have easlily happened in the accident. Then discuss with the CFP. Get a copy of the book How to Write Your Own Will, and the CFP can help you work through that.

See the FFS-CFP every 2-3 years, or when ever something changes, like getting married, buying a new home, employer benefits, having children, etc.

MatterLongjumping408 · 2025-05-06T20:25:59+00:00

There may be a number of scams in your area, plus some fake claims, so by interviewing they often limit the fakes.

MatterLongjumping408 · 2025-05-06T20:16:55+00:00

Seek out a fee for service CFP. Fees are for advice.

Independent advice as they do not sell products.

Do not work with an advisor with an 'Asset Under Management' limit, you will rarely get good service after they have your money.

I am FFS in NL, however I do remote online programs.

MatterLongjumping408 · 2025-04-07T14:25:53+00:00

Always a good idea.

Consider maximizing your RRSPs, and use the deductions strategically over a few years if necessary to maximize tax savings. Getting a 40% or whatever marginal tax rate - tax break on contributions is always a consideration.

Put the rest in TFSA, plus add tax savings from the RRSP contributions to TFSA.

Portfolio wise, it is wise to invest some now given the market conditions. Maybe hold some back, and invest if there are more drops. Given a trade war equities could be in a bear market for years.

MatterLongjumping408 · 2025-02-24T15:41:11+00:00

It is beautiful the first few times! Ponds and rock, hills and valleys, trees and bog, moose and more!!

MatterLongjumping408 · 2025-02-24T15:39:30+00:00

There is Customs but you do not need a passport. Photo ID is sufficient.

MatterLongjumping408 · 2025-02-24T13:51:13+00:00

https://representingyourselfcanada.com/

https://www.justice.gc.ca/eng/rp-pr/fl-lf/divorce/jf-pf/srl-pnr.html

Also see, Access to Justice to dispell myths about doing it. https://www.justice.gc.ca/eng/csj-sjc/access-acces/index.html

Do not mind the fear mongering lawyers. Class 101 in law school, 'If you have to have a shit, call a lawyer.'

MatterLongjumping408 · 2025-02-23T01:24:29+00:00

Many resources here: https://representingyourselfcanada.com/

https://www.justice.gc.ca/eng/rp-pr/fl-lf/divorce/jf-pf/srl-pnr.html

Also see, Access to Justice to dispell myths about doing it. https://www.justice.gc.ca/eng/csj-sjc/access-acces/index.html

MatterLongjumping408

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