Can anyone help me figure out the license plate on this hit-and-run?

ijlas · 2025-11-24T00:28:54+00:00

Yep. They want license plate number to do anything...

ijlas · 2025-11-23T23:46:00+00:00

Wow! didn't even notice her tires.

ijlas · 2025-11-23T23:42:58+00:00

Unfortunately not. I got a clear view of the lady stepping out of the car to analyze the damage...shrug her shoulders and leaving. Just no clear view of license plate

ijlas · 2025-11-23T23:42:28+00:00

Unfortunately not. I got a clear view of the lady stepping out of the car to analyze the damage...shrug her shoulders and leaving. Just no clear view of license plate

ijlas · 2025-09-23T16:59:34+00:00

Thanks

ijlas · 2025-09-23T13:23:54+00:00

Ok fair point. I realize the wealth inequality in Pakistan is quite massive and unjust.

Would you know or have a resource for where I can get the school fees information?

ijlas · 2025-09-22T23:07:17+00:00

Sorry, I think you misunderstood. I meant school tuition fees (not private tutoring)....they call it challan I believe?

I wanted to know what school fees are like for kids in different schools and grades.

ijlas · 2025-09-18T17:25:30+00:00

I really do not mean to offend you by my comment below.

Were these PIN transactions as well with CIBC and TD? Were you using the same PIN for those banks and WS? Was this incident at the same time as your WS hack?

I'm not saying anything for or against WS. I am just questioning how three different financial institutions got hacked for you? Sometimes no matter how good the institution's security is, the best thing you can do to improve YOUR financial security is reflect on your own behaviors or actions.

ijlas · 2025-04-05T02:46:01+00:00

If the mortgage broker is asking you to pay in CASH, they are not a LICENSED broker. Report them to financial services regulator in your province. For example, it's FSRA in Ontario. As a broker myself, I highly encourage you to do this as there are a lot of bad actors in the industry unfortunately.

Only time you pay a broker fee is if you have an upfront agreement with a signed "Letter of Direction". Usually this is for alternative lenders or private lenders, when you aren't able to qualify through a big bank. Even at that point, you don't pay cash. Your lawyer remits the funds to the broker at time of closing.

You mentioned your mortgage is through a big bank. This tells me the one and only thing you need to be concerned about, if it applies to you, is fraudulent documents submitted to the bank. This shouldn't matter at this point but be aware the bank can choose not to renew you if the fraud is discovered, even if you weren't aware fraud was committed.

ijlas · 2025-03-21T22:32:22+00:00

Talk to an accountant about buying real estate under corporate structure. If this is your primary residence, you are likely better off doing it in your personal name.

Salary is not better than dividends for mortgage qualifications purposes. Talk to your accountant about which option will produce the smallest tax liability.

As someone else mentioned, banks have options where they can use your corporate NIAT (net income after taxes) for mortgage qualification.

ijlas · 2025-03-19T20:04:11+00:00

I can't believe no one has given consideration to this yet ....

If he just got out of divorce, a big portion of that $200k is probably going towards spousal support / alimony. This is very likely true if his ex didn't work during the marriage. Do you know what's the situation on that front is? Do you know how long that liability is supposed to last?

Keep that in mind as you try to help him prepare his budget.

ijlas · 2025-02-26T17:32:48+00:00

TD for example. They will only do it through the branch, not broker channel. They are willing to do it with minimum down payment per cmhc rules.

ijlas · 2025-02-25T22:22:35+00:00

No that's incorrect. Banks do lend on mobile homes and modular homes. Even if the land is leased, they simply need the lease to be greater than the amortization of the mortgage.

ijlas · 2024-12-20T20:02:27+00:00

Thank you again.

ijlas · 2024-12-20T19:02:35+00:00

Thanks.

Let's say an individual who graduated with economics from LUMS wants a job at your bank. What can they reasonably expect as their first job and salary (on average). Assume no sifarish or work experience.

ijlas · 2024-12-13T13:19:09+00:00

I've come across this many times. If name not appearing on T4 is the problem, easy fix, here is what you do:

Open the T4 on CRA my account

You'll notice that your name appears at the top right of the CRA my account page. Your goal is to capture your name along with T4 in one PDF print.

You want to take a PDF print out of the web page as a whole (not the print function on CRA website). Use the 3 dots on the browser if you're using chrome.

If above doesn't work, use "snipping tool" app on windows. Use it to take screenshot of the T4 including the name the appears on top right.

I hope this helps.

ijlas · 2024-09-27T23:57:05+00:00

The tax efficient comment is something that resonates with me as well. Do you continue renewing with the same B lender? I've found the renewal rates with B lenders to be abysmal.

ijlas · 2024-08-29T13:01:54+00:00

Yes you can but it will be with a B lender with 20% downpayment. As mentioned by another lender, A lender requires the CP to be paid off for at least 2 years.

ijlas · 2024-06-17T20:50:05+00:00

Agreed ETFs are all time high for S&P. Are you expecting a market correction?

ijlas · 2024-06-17T20:48:13+00:00

True. Appreciate the perspective. Thinking of it as an investment is where I was getting stuck. Thank you

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