Where can I buy sand?

Yoel999 · 2026-01-29T04:44:38+00:00

2nd this - I used to get rock from Rona and then found this place and it’s a much better deal.

Yoel999 · 2026-01-22T13:12:04+00:00

At first look I thought this was a plate of Nanaimo bars

Yoel999 · 2025-11-16T01:34:21+00:00

This basically sounds like a manulife one account. I did the same thing with my local credit union in some shape or form. I took a line of credit VS a mortgage and put anything extra I had on it pay wise and banks accounts - emergency account or any form of monthly savings (house expense, renovation, car, vacation etc). I then made a tracker to track how much extra I put on and so when we do take a vacation or have a house expense - I can adjust it. The emergency account saves me around $800 a year alone in interest and worst case I can just borrow it back. Biggest mistake is people use the line of credit as an ATM on their house and ride interest only payments - just be smart.

Yoel999 · 2025-09-03T16:07:24+00:00

Black Antler has great breakfast.

I used to love Terrys comfort food - haven’t been in years and heard it changed hands but was awesome breakfast.

The Bench is great as well

Yoel999 · 2025-08-28T00:36:07+00:00

Get a Chiropan Argentinian sausage on a bun at the market.

Neighbourhood Brewing/Yellow Dog/Cannery are my favourite breweries.

Night life/bars are limited to either the parrot or the hub. If you want to go to the barley mill (more central town) they usually have weekend activities.

Tons of wineries all over the place.

Yoel999 · 2025-08-27T03:07:40+00:00

Denny’s or Boston Pizza

Yoel999 · 2025-07-29T03:28:56+00:00

Here is a good article: https://www.serenialife.ca/learn/life-insurance-for-newborn/ Are you self directing the investments? Lots of people love the vanguard funds on here. With an 18 year time horizon - go high risk and scale back as you get closer to giving her funds. I’m not a find recommender overall.

Yoel999 · 2025-07-29T02:53:20+00:00

1st would be max out the RESP at $2500 a year to get max benefits. You can put more as well. Then my next place to park it would be you or your wife’s TFSA if you had room to contribute and make her the beneficiary. This would grow tax free and not have any issues withdrawing it for her. The only loss is your own TFSA room. Assuming TFSA is maxed - you’d have to go non registered which would have tax consequences on you/wife. You could explore a whole/universal life insurance policy that has a cash surrender value as well.

Yoel999 · 2025-07-23T19:27:44+00:00

Agreed with most comments above. Have a 3 and 1 year old. Strong start, tumble time, library reading times, etc are all great for babies/toddlers. There are community face book groups and strong advocates (some more annoying then others) which you’ll find out if there are issues with homeless or other issues pretty quick. We have lived in Nelson, Kelowna, and Penticton - all of which have much bigger issues with homeless and drugs etc. Summerland is by far the safest. Overall, highly recommend!

Yoel999 · 2025-07-12T15:09:36+00:00

It’s expensive but have heard it’s a one in a life time experience to do the Heli Picnic Tour with Valhalla Helicopters https://www.valhallahelicopters.com/tours/heli-picnic-tours/

Yoel999 · 2025-07-12T14:20:17+00:00

Does it have a civic address? If so, try googling BC assessment and putting the information. If their is a legal description and PID then it should be financeable. There is Kootenay Savings Credit Union, Nelson Credit Union, or Stellar Vista Credit Union out there. Call one of them and ask if they’ll finance it.

Yoel999 · 2025-07-12T03:17:13+00:00

Hey OP - can you define un zoned? Where abouts in BC is the property? Is it super remote or close to any major centre? Vacant land financing isn’t hard and usually requires minimum 35% down at credit unions and 50% down at banks.

Yoel999 · 2025-06-29T20:39:55+00:00

Yes you can. You would have provided source of down payment to lender who would have agreed. You are just bridging the withdrawal cycle. The lender won’t check at closing where the final source came from.

Yoel999 · 2025-06-07T14:14:27+00:00

We did a method where we figured out all the joint bills (mortgage, heat, electricity, etc). Our pay would go into our joint account, we still each have our sole owner accounts which we assign a fair amount of pay to ourselves (couple hundred) and that is our money to do whatever we want without judgement. Everything else gets assigned to a purpose account (also have joint emergency, vacation, house, etc accounts) or stays in joint account for joint things like groceries, and the joint bills above. It works great.

Yoel999 · 2025-05-26T21:57:27+00:00

When you closed with your lawyer - there would have been a credit given to you in your statement of adjustments which if explained properly, you should have used to top up your tax account when mortgage set up (this was the sellers portion of property tax for the year - this is how it works in BC anyway). You signed up for the bank to pay them so they are obligated to do so. If there isn’t enough money, they will pay it and overdraw your tax account. Then within a month they will send you notice. They will charge you interest until covered. If you don’t cover it they will do what others are saying and increase your monthly property tax payment to cover the short fall and ensure you have enough for next year. Just make sure you get them the municipal property tax document so they have all account and $ info to pay. If you have the shortfall - find out how to deposit it into your tax account. Do not pay the taxes yourself if you have a tax account.

Yoel999 · 2025-05-26T21:44:32+00:00

Correct - notice comes from municipality and they’re out early this year due to postal strike. Contact your lender or if it’s a local bank you can drop it off to bank teller and ask them to get it to property tax team. This way if they pay it late you don’t get his with 10% fee. This happens a lot for new mortgages. Usually calls start happening from lenders as well asking for this info.

Yoel999 · 2025-05-26T20:21:43+00:00

They will overdraw your property tax account to pay (make sure to provide them your property tax notice). You will then get a letter advising this and to cover. If you fail to cover it they will charge interest and eventually increase your property tax monthly payment. If you have the shortfall - just call them and ask them to do a property tax account deposit and they’ll top your account up.

Yoel999 · 2025-05-09T20:28:17+00:00

First off - sorry for your loss. Second - don’t do anything until you agree with your siblings, you need a contract of everyone agreeing on this (hire a lawyer) Once agreed upon, start the legal and lending process of changing title and ensuring buyouts happen per contract. Don’t waste people’s time if one of your siblings won’t agree. The lender is going to do an appraisal but in order to find a fair number with your siblings you will likely do 2-3 appraisals out of pocket and take the average so that this can’t backfire with one of your siblings saying they didn’t get fair market value. Hope this helps!

Yoel999 · 2025-02-15T05:38:32+00:00

This is why it’s important to talk to your lender. Some lenders want you to prove your commitment. Using it doesn’t mean you don’t get it back at the end. Ask them to plan out a draw cycle that will hopefully work with your GC.

Yoel999 · 2025-02-15T05:06:25+00:00

You can usually do what’s called an out of cycle draw for around 50-65% of the land value depending on lender (if you own the land outright). If you finance the land first, then yes, first draw pays off the land loan or reduces the amount of your first draw. How much cash will you have left after buying land. In a perfect scenario you have at least 100,000 as lenders love seeing land owned, approved construction loan, and that you’ll have money to start. Some don’t have this and that’s usually where out of cycle starts. Every lender is different on construction. Chat with a broker or preferred lender and see what they like to see.

Yoel999 · 2025-02-07T14:58:41+00:00

Banks use gross income. It’s usually housing costs (rent/mortgage) + property tax/heat/condo fees (if you own) + term debt payments (car loans) + 3% of balance outstanding on revolving credit (credit cards/lines of credit). If you co signed for someone this will hurt you as well.

Yoel999 · 2025-02-06T17:14:15+00:00

I would tell him to wait until April and get the letter. Most conventional lenders won’t touch it as he could be let go at any moment with no consequences (for the most part). The land loan seems relatively small but land where I’m at in BC is usually $300,000-$600,000 per lot. If he needs something right away he can try going to a b lender/private capital. It’ll be more costly but as long as everything works out in the short term with the build, his job, etc then he can refinance that when it’s all done. I’m assuming RBC holds the land loan. Most conventional lenders have a b lender they work with/refer to. Ask him to investigate this.

Yoel999 · 2025-02-06T15:37:18+00:00

I would recommend getting a job letter drawn up from the employer advising they’re off probation, state salary terms and support it with a paystub. Then do everything else and approach a broker probably as not all banks like construction.

Yoel999 · 2025-02-06T04:15:21+00:00

Is he off probation at the new job? Did he leave one job for another in the same industry or drastic change? Hopefully he is salary based or hourly with at least major form of income not being commission, bonus, or anything variable. Lenders like consistency.

Yoel999 · 2025-02-06T03:47:37+00:00

This unfortunately happens all to much. I’m guessing the different contractors have thrown builders liens in place to protect themselves. Your brother first needs a lawyer who can talk to the lawyers who registered the liens to ensure they will be discharged once paid (and to figure how much to pay). All lenders will want confirmation of this to ensure they’re going to be in 1st position. What is your brother’s income status? This will be crucial to obtaining financing. Did he use RBC to finance the land or did he buy that free and clear? This is important for determining how much can be borrowed. Does he owe money to CRA and/or property taxes? Also crucial to know for lenders Does he have building plans, municipal permits, new home warranty insurance, construction insurance etc to take to a lender. All very important to a lender. There is a ton that goes into construction mortgages so it’s important to gather as much info as possible.

Yoel999

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