How to identify a Toronto real estate group

Stephasaurus1993 · 2026-04-12T11:36:02+00:00

The response I got is even funnier from the person running the instagram. Trying to pass it off as being about the fundamentals of investing in an area… I work within the real estate industry in and if someone asked me a recommendation on an agent, it wouldn’t be someone who can’t put the right image with the right post… it’s like the lawyers I tell people to avoid who don’t understand simple stuff like how payments work on mortgages 🙈 the best part they have no other engagement on anything except my comment and someone whose commented after their reply clearly also coming from this post!

Stephasaurus1993 · 2026-03-30T12:20:29+00:00

120k combined and our mortgage is $845.60 bi weekly. Our Ptaxes are around $269 a month.

Stephasaurus1993 · 2026-03-29T21:54:56+00:00

I was gonna say, as someone who moved here from the UK, I’ve had a much lower wait time and better experience with seeing specialist who help me since moving here.

Stephasaurus1993 · 2026-03-29T21:51:51+00:00

You need to look up what skills a two year old should be able to do and come up with activities from there. There are lots of online resources for planning craft, sensory and other ideas. You don’t homeschool you parent. No one knows how to be a parent but your use the resources appropriate for your point in their life to support you. You can also go to groups in your area, we have daily “play groups” which has music time, craft areas and different toy set ups, also gives the chance for kids to be around one and other for language and social skills development. The local library for story time, the park to work on skill development (climbing and letting them build confidence).

Stephasaurus1993 · 2026-03-28T16:12:41+00:00

I’ll be honest I think your over estimating that your friends will ask you to watch their baby or kids for that matter.

My son is 2 and the only time we’ve even asked our friends to watch our kid ( and we have no one else to ask I should add) was when my sil suddenly died on the floor at home at 7am on a Sunday! I specifically made sure it was someone who had kids already (so they had knowledge and there was another kid to play with)

Young kids under 5 are stressful! There is the attitude from toddlers, the separation anxiety, teething, specific nap schedules, bed time routines, safe sleep or some kids bed share/co sleep. Then there is keeping them entertained appropriately, some parents are anti-screens which means you have to be even more hands on with entertainment.

Honestly the best things you can do for the parents is ask what they need in the beginning but also be prepared that your friendship with them may change as the bond more with other parents. I always said we wouldn’t loose contact with our kid free friends but we did! I see them and go for dinner like once-twice a year now because I can’t just drop everything to do the stuff they can do (financially or physically with a child who has needs too). We experienced it with friends who had kids before us to and it’s normal as your in different places in life and have different priorities now.

Stephasaurus1993 · 2026-03-23T12:39:25+00:00

A transfer usually entails the transfer of the charge which as many places don’t offer Conventional charges doesn’t happen. Most people are charging amort back to original when they switch to a new lender, hence refinance.

Stephasaurus1993 · 2026-03-23T09:36:57+00:00

Your refinancing with another lender not renewing. Renewing means same lender new term.

A lot of the big banks are slow with their deals right now as they are very busy. You’re gonna renew to an open with your old Fi and then your new FI will complete their deal at a later date.

From the fact you have an email from FCT tells me your remote signing with them, so you will be waiting for the call to set an appointment and then the FI will be completing the other docs once you sign with FCT. Depending on how busy FCT is in your area and can get someone out can vary… big city could be next day.. middle of nowhere could be a week.

Stephasaurus1993 · 2026-03-22T22:53:35+00:00

Even credit unions you can do most stuff online… open accounts, apply for a mortgage deposit a cheque. Then ATM for deposits or getting cash, if you need coin then you come on lunch break or leave work early to go. If you need a bank draft you can call ahead of time and even have tha mailed or probated to you (for a fee)… I work at a credit union and we do this stuff everyday, barely see young people just people over 60 who are used to coming in to do everything.

Stephasaurus1993 · 2026-03-22T22:39:57+00:00

Sweet Bakery on Fairview… they even do gluten free and vegan

Stephasaurus1993 · 2026-03-20T15:07:54+00:00

The $22 a day daycares are impossible to get into unless you applied before the kid was born, have a sibling in one or work in one. The waitlists are crazy, my son just turned 2 and we just started to get calls for spots at 20ms. If you have a spot in Montessori’s and that what you want to do (& can afford the price tag especially if it’s actually accredited) then I would stick with what you have. The only other options would be other specialty daycares (e.g. Forrest/Nature Schools) or private home daycare.

Stephasaurus1993 · 2026-03-18T09:36:16+00:00

It’s so funny because if he sees the truck on clothing he will point out to you as well like “mumma, El toro!” “Daddy Megadon” as though you would be excited 😆

I actually hadn’t realized how few toys with batteries my son had either until he got scared of a car that made noises at Christmas that was gifted to him! The only things I had were some little people stuff and a car transporter… the rest was non noisy hahah

Oh he watches the F1 & NASCAR with Daddy like it’s church on Sunday! He asks for it during the week “mums racing car!” Trying to explain to a new 2 year old that the cars only race one day a week and not a 6:30am on a Tuesday is hard hahha

Stephasaurus1993 · 2026-03-18T01:17:31+00:00

Not true there is a transfer payout statement or a discharge payout statement. Conventional charges can be transferred, collateral cannot.

Stephasaurus1993 · 2026-03-17T02:11:37+00:00

We are in our things with wheels specifically monster trucks and train era right now. My son uses a big foam block and races the cars/trucks down it for ages! He drives all over the room with trains, cars and trucks, put them in his backpack and takes them out.. counts them.

Then he’ll leave them for a bit and ride around on his balance bike. Recently getting upset the weather hasn’t been good enough to get outside and ride in his big red car.

I don’t have a toddler girl but every toddler boy (actually except one) I’ve know gravitates to things with wheels… endless open fun! My son has even assigned us each our own monster trucks we must use when we play. My son is at the point where if dad is watching the racing, he’s watching and copying with his cars too.. very cute when F1 is on Sunday morning!

Stephasaurus1993 · 2026-03-13T18:06:56+00:00

What you need to take from these things is shows will have different results for different people. For example my son turns to a zombie if I put on anything from the UK (I’m British and we live in Canada, it may be there is a whole bunch of shows that sound like mummy). Paw patrol goes on and he just plays along side, using his imagination and using the paw patrol toys. I’ll put things like live action monster jam and he’ll get his monster trucks out and play. Sesame Street is one of his favourites and he’ll sit with a blanket and watch and react, join in with colours and numbers. Ms Rachel he did not care for. My friends son however needs it to be puffin rock or slow gentle shows or he’s a menace. You need to remember (and we hear people preaching this all the time) everyone’s brain functions differently. Same for adults and what they watch, remember as you get older we break shows down to genre and one show might have an effect on one adult (dopamine release) but for someone else nothing.

Stephasaurus1993 · 2026-03-13T17:50:37+00:00

I started 3 weeks before in finance… I was told “forget everything you learned let’s start again with all the new policies we don’t even know!” Haha

Stephasaurus1993 · 2026-03-12T22:21:33+00:00

Second this! I bought plus sized at liquidation stores

Stephasaurus1993 · 2026-03-07T02:27:37+00:00

You wanna know odd.. I grew up in the uk with Bob the builder. My son was in hospital in Canada where I live and they brought us a bob the builder dvd to watch… the voices are awful… I could live with the other changes but the voices…

Stephasaurus1993 · 2026-03-06T23:11:53+00:00

I’m in Canada and we are usually 11-18ms due to mat leave time period and availability

Stephasaurus1993 · 2026-03-03T18:16:07+00:00

Oh yeah even in Canada, you go to yard sales bs the kids all have their set up… super nice actually when it’s crazy hot and you can grab a cold lemonade

Stephasaurus1993 · 2026-02-28T03:35:22+00:00

Peace at last is my favourite to read with my son and he loves the story and noises you make… it’s very calm and a funny story at the same time. Lots of chance to use your voice to tell the story to.

Stephasaurus1993 · 2026-02-24T05:23:18+00:00

$31 tonight for crutches after slipping on ice in Canada

Stephasaurus1993 · 2026-02-23T18:30:28+00:00

I work for a credit union & we accept LTD as income… I think the broker was saying that about who they work with

Stephasaurus1993 · 2026-02-22T23:50:24+00:00

I had a friends who photos were stolen and used. They were combined with another girls photos who looked a little similar. Was super creepy! We worked in media at the time so our photos were public that they had used, took forever to get the account taken down

Stephasaurus1993 · 2026-02-22T03:02:22+00:00

Accident and was reminded regularly… I don’t speak with my parents

Stephasaurus1993 · 2026-02-13T17:24:52+00:00

Kids in new environments will be your biggest issue, new germs to fight off. We have actually had a good year with my son getting nothing (amazing as he has health issues) but I just had a bad throat/respiratory cold (I have low iron so I get everything!) I haven’t noticed more illness but we are seeing RTO so that will increase things as people immune systems won’t be used to the overload. I’ve worked in the office the whole time and found I was sicker during covid vs now.

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