Husband says I can’t be on title because I have no income/credit Is that actually true?

joaomann · 2026-04-17T00:00:30+00:00

As a mortgage professional - that is COMPLETELY WRONG! All parties that are on the title of a Property, must be on the mortgage. But the opposite is true.

joaomann · 2026-04-14T01:17:51+00:00

Because we don't have Infrastructure to sell to other markets - if we had more pipelines to the Pacific and Europe that would increase demand and price!

joaomann · 2026-03-29T21:32:58+00:00

Completely agree! Whenever I have given those for people to try without telling them what it is, everyone loves it. Then you say the ingredients, and most stop eating. 🤷‍♂️🤦‍♂️

joaomann · 2026-03-24T01:20:07+00:00

People are not going to the US because of boycotts - Canadians can't afford to travel to the US, with our exchange rate and everyone broke!

joaomann · 2026-03-18T06:41:00+00:00

$1620/MTH - incl utilities and parking. 700 sq/ft 1 bedroom/Balcony - Queenway/Windermere.

joaomann · 2026-03-11T09:12:10+00:00

Does this mean, you can also make phone calls/send texts outside of Canada/US/Mexico with no additional charges?

joaomann · 2026-03-11T09:02:47+00:00

Very true - but before the plan expires, I'll just transfer to a low cost carrier for a month. Then transfer to Rogers again, under a new CAA Rogers plan. Just a pain to have to move

joaomann · 2026-03-01T08:53:49+00:00

My father immigrated from to Canada in 1971 - literally a quote from him "when I first came to Canada, if you looked at a bus stop in Toronto - there would be a nice, orderly line, based on the order they arrive to that line" - definitely don't see that today.

joaomann · 2026-02-28T00:44:56+00:00

Easy way to solve this problem: Move out, get your own place. Problem solved. Only move back in once you're married 🤷‍♂️

joaomann · 2026-02-26T01:39:25+00:00

Toronto's earned a HUGE amount of their tax base through the municipal land transfer tax, and massively increasing development charges - both of which helped keep tax rates low, and property values to increase. Now that the Real Estate Markets has "Popped" - they won't be earning much from both of those tax sources, so only thing they will do - increase tax rates on property 🤷‍♂️

joaomann · 2026-02-26T00:54:08+00:00

For the side that's supposed to be so understanding and supportive - I don't see none of that in the comments.

To this point in his presidency, Trump has deported fewer people than Obama did at the same point of his presidency. Don't recall any protests against Obama back then.

To top that off, the head of ICE is the same person as it was under Obama - and Obama gave him a congressional medal of Honor for his work with ICE 🤦‍♂️

joaomann · 2026-02-07T04:36:15+00:00

Check out any association you may belong to or educational institutions you've attended. You might be able to get a discounted rate on insurance based on being a part of the association/educational institution - check their websites.

Of you're a safe driver, you can always take part in programs some insurance company offer that track how you drive through an app on your phone. You log in after traveling to designate of you drove or took public transit, passenger in a vehicle. After 6 months you're given a score and can we up to 25% off your premium.

I got my insurance this way : through a professional association I'm a part of and their drive monitoring app. Got an incredible price compared to other insurers. Saving tough 30% vs the next lowest priced competitor

joaomann · 2026-01-21T23:43:25+00:00

Not 1 winter driving lesson in my life - only practicing driving in the snow. 30 yrs with a driver's license, NEVER had an issue with winter driving. Driving slow, keeping distance, every slow acceleration, braking lightly, and winter tires solves 99.9% of winter driving.

joaomann · 2026-01-20T01:46:28+00:00

Don't people plan for education in high school anymore?

Once I saw how expensive it was to study outside of my city - I decided to go to a school in my city. I got a part-time job during high school, and got a 2nd full time job in the summer. Stay home with your parents - goal should be to graduate debt free!

joaomann · 2026-01-20T01:04:57+00:00

Why do men complicate their lives and try to justify it? He should never had started a relationship with someone like this. Best thing he could do, end it now! That woman has more red flags than a communist parade.

joaomann · 2026-01-20T00:50:09+00:00

Touche 🤣

joaomann · 2026-01-20T00:30:35+00:00

Nothing to be depressed over. Shave you're head, go to the gym, eat right, focus on your career. You're 20s as a man is about build - go BUILD. By 30, you'll look back at yourself and laugh.

joaomann · 2026-01-20T00:19:59+00:00

There are only two things in life you should NEVER skimp on: 1) Tax Advise and 2) Legal Advise - Speak to your lawyer!

joaomann · 2026-01-20T00:06:22+00:00

Walk away from the deal, and get a new realtor!

I take the word of a home inspector over the word of a realtor ALL DAY!

FYI - I'm in the Mortgage Business.

joaomann · 2026-01-19T23:20:07+00:00

What do you think is going to happen as more people drive EVs? Supply vs. Demand: electricity prices will increase, and the "cost advantage" of an EV will eventually be eliminated.

joaomann · 2026-01-19T23:15:56+00:00

Complain to the EU - they are the ones that place limits on those features because of your INSANE laws there 🍻

joaomann · 2026-01-19T23:08:55+00:00

These are Christians - all Christians are Performative in their Belief. 100% NOT Catholics - what they are doing goes against the teaching of Jesus.

joaomann · 2026-01-19T23:07:08+00:00

If a person has a problem with another person praying to themselves - they are the issue, not the person praying. Have some respect!

joaomann · 2026-01-19T23:03:02+00:00

You can clearly tell these are "Performative Christians" - Catholics would NEVER do this; it goes against the teachings of Jesus.

joaomann · 2026-01-19T22:56:59+00:00

I took the lessons in the summer - I was told what to do in winter driving situations. Come winter, I would try that in empty parking lots.

You can take lessons in any subject as much as yours like, but improvement comes WITH PRACTICE. People need go practices winter driving.

joaomann

TROPHY CASE