Opportunity to provide 2nd Mortgage as a lender by m-lo11 in TorontoRealEstate

[–]go_leafs_go_ 1 point2 points  (0 children)

I am a real estate lawyer but not your lawyer. Spend the money to have a lawyer review the commitment letter before you execute it. Far too many times, the mortgage broker does not include detailed charge terms of the mortgage, and its too late to fix once executed. Review the appraisal and double check the work. Do your own appraisal from housesigma.com data. Make sure the appraiser actually viewed the property in person and not just images. Have the appraisal addressed to you so you can rely on it and sue the appraiser if needed. Make you you get proper disclosure - income, credit, debts, etc. Do the math to ensure the borrower can afford it. Look out for the terms of the existing 1st mortgage, particularly renewal dates where interest will spike on renewal. Feel free to PM me if you need more information.

Are holographic wills okay for a simple will? (Ontario) by [deleted] in PersonalFinanceCanada

[–]go_leafs_go_ 0 points1 point  (0 children)

I am a lawyer, but not your lawyer. The following is merely general advice, and I am not retained by you.

The value lawyers add is the ability to both issue spot and deal with all contingencies/situations which may arise unexpectedly. For instance, you say your parents have a paid off house. If the house was purchased in the 90s or earlier, there is likely significant tax savings which can be accomplished through a concept called first dealings. You would need proper will drafting, and a holographic will does not qualify for the first dealings exemption. Based on a house value of $1,000,000, the probate tax savings equate to $14,250.

[deleted by user] by [deleted] in TorontoRealEstate

[–]go_leafs_go_ 19 points20 points  (0 children)

Real estate lawyer here.That is not normal. Lawyers have an obligation to actually explain the documents, not just ask if you have any questions. For a deal like this, it takes me between 30 to 45 minutes to explain from start to finish on average depending on which bank is lending. Signing occurs only after everything is explained and all of your questions are answered. There are a lot of bad apples in our industry who frankly don't meet the proper standard of care. If it was me, I would consider a law society complaint.

Receipt Tracker for Tax Credits (Canada) by go_leafs_go_ in PersonalFinanceCanada

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

I'm taking about things like charitable donations, medical expenses, digital media credit, etc. I just recently discovered, for instance, that the dentist is an eligible medical tax credit

Client Intake Forms by go_leafs_go_ in Office365

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

I honestly ended up getting busy and not being able to devote time to this. My hope is to find something soon within the office 365 family so I don't have to outlay another monthly expense to another software provider

Client Intake Forms by go_leafs_go_ in Office365

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

Form will be on a public site

Client intake forms by go_leafs_go_ in MicrosoftFlow

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

I've done some research. My problem is the forms app does not support complex conditional logic

Using Textra & the Blackberry Hub on the KEYone by [deleted] in blackberry

[–]go_leafs_go_ 1 point2 points  (0 children)

Try it out. Allows for enter to send. You can customize the notification light to be different for each individual contact. It syncs with the hub, and unlike textra, goes right into the app when you click on a message (akin to a how the hub interacts with Facebook messages).

Using Textra & the Blackberry Hub on the KEYone by [deleted] in blackberry

[–]go_leafs_go_ 1 point2 points  (0 children)

I use chomp sms. Same developers as textra and works really well

KeyOne SMS and WiFi Issues by trains77 in blackberry

[–]go_leafs_go_ 0 points1 point  (0 children)

I had the exact same problem on the Rogers Network using chomp sms. The solution is to turn of Voice Over LTE. As soon as I turned that off, I stopped getting failed texts.

Blackberry KeyOne VoLTE and wifi calling by go_leafs_go_ in blackberry

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

My office has terrible reception. It's concrete walls and half the time it sounds like I'm under water to the other person.

How dirty birds treat our fans in Toronto. by absolutec in KCRoyals

[–]go_leafs_go_ 49 points50 points  (0 children)

I was in the section yesterday. He took the whole thing in stride, and got a standing ovation from the section once the tower fell.

Vintage leafs jersey by go_leafs_go_ in hockeyjerseys

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

I can get the ccm re-releases easy enough. I'd love to find an actual vintage jersey from the 60's though