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#10603880 - 07/24/24 09:31 AM Re: dat real estate v.2021 [Re: Risky Business]
Big Tasty Offline
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Registered: 02/10/02
Posts: 19988
Loc: Toronto
Keep cutting, I renew in Jan.
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#10604049 - 07/24/24 02:26 PM Re: dat real estate v.2021 [Re: Big Tasty]
Simon_the_Pieman Offline
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Registered: 08/13/01
Posts: 9497
Loc: The A
 Originally Posted By: Big Tasty
Keep cutting, I renew in Jan.


im in june. how lowwwww can you goooooo?
_________________________
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#10604054 - 07/24/24 02:41 PM Re: dat real estate v.2021 [Re: Simon_the_Pieman]
Risky Business Offline
Provides a Great Work Environment.
Post Master Supreme


Registered: 05/17/10
Posts: 45754

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#10604342 - 07/25/24 07:30 AM Re: dat real estate v.2021 [Re: Risky Business]
c2k Moderator Offline
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Registered: 05/21/00
Posts: 19316
Loc: Wiesloch-Walldorf, Germany
Mortgage?! I thought we are all ballers that we pay in full our property with ob1 cash.
_________________________
Who cares

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#10604845 - 07/26/24 07:29 AM Re: dat real estate v.2021 [Re: Simon_the_Pieman]
LNXGUY Moderator Offline
Tougher than Logan Roy
Post Master Supreme


Registered: 08/06/00
Posts: 107943
Loc: Barrie, Ont,
 Originally Posted By: Simon_the_Pieman
 Originally Posted By: Big Tasty
Keep cutting, I renew in Jan.


im in june. how lowwwww can you goooooo?


May here. Let's get this bitch moving
_________________________
-Bill
The GN would OWN you, your children and your children's children.
Left foot, right foot, just keep moving!!! -Jeffrey P. Murphy


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#10605180 - 07/26/24 10:23 PM Re: dat real estate v.2021 [Re: LNXGUY]
A2B-Lexus Offline
Post Master Supreme


Registered: 04/19/01
Posts: 45582
Loc: Raptors Land
If the spread between 2 and 3 years is within 1/2 a precent, I may go with 2 years. Will keep y'all posted.
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#10616261 - 08/21/24 07:36 AM Re: dat real estate v.2021 [Re: A2B-Lexus]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
Sad, but true story...

- Couple I know, never married, no kids. Girl buys home in 2000s, boy couldn't afford to support, she said ok. She's been paying everything since.
- Apparently he didn't pay anything 'official', like rent, electricity bill, (always) groceries, etc.
- They break up post-Covid (2022?), was a bit bitter.
- Apparently few months ago, she was served with (legal) papers; he's suing her for 50% of the home (She had to research it; there's some kind of 2-yr statue of limitations; he served her at 23 mths.)


Apparently he's always been bad with money. He couldn't 'help' with the bills cuz he was in debt (near bankruptcy) at the time, so she gave him 5 yrs to figure that out... I guess he never did figure it out. Bitter, bitter old man .... I'm sad.

Dude was with <big corp> for like ~20 years ... He might've been underpaid, but FFS he was paid decent...


Edited by furball (08/22/24 07:14 AM)

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#10617190 - 08/22/24 10:29 PM Re: dat real estate v.2021 [Re: furball]
Hatorade Online   crying
pheggit
Post Master Supreme


Registered: 11/05/99
Posts: 26914
Loc: Toronto, ON
 Originally Posted By: furball
Sad, but true story...

- Couple I know, never married, no kids. Girl buys home in 2000s, boy couldn't afford to support, she said ok. She's been paying everything since.
- Apparently he didn't pay anything 'official', like rent, electricity bill, (always) groceries, etc.
- They break up post-Covid (2022?), was a bit bitter.
- Apparently few months ago, she was served with (legal) papers; he's suing her for 50% of the home (She had to research it; there's some kind of 2-yr statue of limitations; he served her at 23 mths.)


Apparently he's always been bad with money. He couldn't 'help' with the bills cuz he was in debt (near bankruptcy) at the time, so she gave him 5 yrs to figure that out... I guess he never did figure it out. Bitter, bitter old man .... I'm sad.

Dude was with <big corp> for like ~20 years ... He might've been underpaid, but FFS he was paid decent...


I hope she lawyered up...

Will only be a sad story if she gives in.

A spouse seeking a constructive trust order must establish four requirements:

That by their contribution of money or labour, they enriched the legal titleholder of the property in question;
Enrichment of the other spouse resulted in a corresponding deprivation to the contributor;
There is no juristic reason for the enrichment (anything which might explain the differential, eg. a contract or gift); and
There is a connection between the contribution made and the acquisition or improvement of the property in question.
Without the fourth requirement, courts will only award monetary damages and not the property itself. Finally, courts award property in proportion to the contribution made.


_________________________

'07 997.1 GT3
'08 E90 M3
'11 E90 d
'02 Rota Grid - 195-55-16FR (RIP)
'04 Volk GTC - 245-35-19F/275-35-19R (Sold to a farm boi)
I thought Spark was a robot from the old movie and I kind of remember seeing him telling some engineer showing the equation for a clear metal that the guy would event years later - porschetr

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#10619585 - 08/29/24 08:52 AM Re: dat real estate v.2021 [Re: Hatorade]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
Shocking RBC Report Reveals Where Home Prices May Be Headed
Channel: Market Mania 🇨🇦


https://www.youtube.com/watch?v=kIfNjcyrwyc

Dunno, this guy seems pretty doomsday; don't have much context how legit this is...

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#10619789 - 08/29/24 01:07 PM Re: dat real estate v.2021 [Re: furball]
Risky Business Offline
Provides a Great Work Environment.
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Registered: 05/17/10
Posts: 45754
For anyone considering clicking, don't bother.

This guy is a doom and gloomer and has been forever (trash content), RBC didn't say the market is crashing, and he is referencing a "Better Dwelling" article which makes money from pumping constant doomsday scenarios. Redditors love them.


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#10619879 - 08/29/24 02:36 PM Re: dat real estate v.2021 [Re: Risky Business]
Big Tasty Offline
Post Master Supreme


Registered: 02/10/02
Posts: 19988
Loc: Toronto
Just got my early renewal letter from CIBC.
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#10620066 - 08/29/24 06:49 PM Re: dat real estate v.2021 [Re: Big Tasty]
Risky Business Offline
Provides a Great Work Environment.
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Registered: 05/17/10
Posts: 45754
What rates?
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#10624584 - 09/10/24 02:09 PM Re: dat real estate v.2021 [Re: Risky Business]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
https://www.youtube.com/watch?v=Fgi_OjuGSbg

"Toronto's Condo Market is ruthless"
Source: Precondo

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#10624649 - 09/10/24 05:08 PM Re: dat real estate v.2021 [Re: furball]
Risky Business Offline
Provides a Great Work Environment.
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Registered: 05/17/10
Posts: 45754
Jordon is a good friend, whatever he says, listen.
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#10624650 - 09/10/24 05:12 PM Re: dat real estate v.2021 [Re: Risky Business]
Simon_the_Pieman Offline
Post Master Sr


Registered: 08/13/01
Posts: 9497
Loc: The A
 Originally Posted By: Risky Business
Jordon is a good friend, whatever he says, listen.


no hat jordan is weird \:\|
_________________________
"I'd love it if we did it... but I guess I'm a big skeptic on Canadians because so many are retarded as fuck." - 355-Si, 2020

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#10624656 - 09/10/24 05:27 PM Re: dat real estate v.2021 [Re: Simon_the_Pieman]
Risky Business Offline
Provides a Great Work Environment.
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Registered: 05/17/10
Posts: 45754
gotta show off the tan bro
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#10624854 - 09/10/24 08:51 PM Re: dat real estate v.2021 [Re: Big Tasty]
A2B-Lexus Offline
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Registered: 04/19/01
Posts: 45582
Loc: Raptors Land
Got my renewal done. 3 years at 4.39% from the green bank.
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#10624961 - 09/11/24 04:24 AM Re: dat real estate v.2021 [Re: A2B-Lexus]
Risky Business Offline
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Registered: 05/17/10
Posts: 45754
Not bad, what was variable at?
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#10625133 - 09/11/24 10:39 AM Re: dat real estate v.2021 [Re: Risky Business]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
https://www.youtube.com/watch?v=Xqi3mkDHheA
'DON’T Make a Rate Mistake | Canada Real Estate'
Source: Angry Mortgage Podcast

Starting NOW taking a 3 – Year Fixed has become a MISTAKE. Same for a 2 – Yr & a 4 - Yr Because we KNOW mortgage rates are coming down. Soon 5 – Year Fixed will be less than 4%, Yep, we will see 3.99% 5 – Year Fixed rates in a few weeks Why NOT to take the 3 - Year Fixed? Because next Summer is likely the bottom of this Rates cycle & a 3 – Yr takes you into 2027 & who knows if rates head back up. Take Variable & convert to a 5 – yr Fixed at the Bottom or take the 5 – Yr Fixed as soon as breaks through 4%

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#10625458 - 09/11/24 08:55 PM Re: dat real estate v.2021 [Re: Risky Business]
A2B-Lexus Offline
Post Master Supreme


Registered: 04/19/01
Posts: 45582
Loc: Raptors Land
 Originally Posted By: Risky Business
Not bad, what was variable at?
5.86%

2 year was probably a little better considering the rates look like they will drop faster moving forward but the difference at the end of the day won't be too much. Considering my coworker renewed last month at 4.8%, I am happy with what I got.

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#10627889 - 09/18/24 12:43 PM Re: dat real estate v.2021 [Re: A2B-Lexus]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
50 pt fed cut....

The Federal Reserve slashed interest rates by a half percentage point Wednesday and charted a course for two additional cuts this year followed by four more in 2025.


Edited by furball (09/18/24 12:43 PM)

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#10629666 - 09/24/24 08:33 AM Re: dat real estate v.2021 [Re: furball]
Big Tasty Offline
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Registered: 02/10/02
Posts: 19988
Loc: Toronto
Just came across this. Guy claims he and his wife make 240K combined before taxes has zero debt and good credit score but only qualifies for 800k mortgage so now can't buy house in Toronto.

https://youtu.be/U6bvWSTcRic?si=81jb5piXAummJBRD&t=398

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#10629670 - 09/24/24 08:51 AM Re: dat real estate v.2021 [Re: Big Tasty]
Risky Business Offline
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Registered: 05/17/10
Posts: 45754
Should be able to qualify for more, there is more to the story or something isn't disclosed.
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#10635169 - 10/15/24 05:14 AM Re: dat real estate v.2021 [Re: Risky Business]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
Choose ME as your Brampton real estate agent

https://www.instagram.com/reel/DBAK3o0S9h9/?igsh=N2VxeDl2NmtvOHls


Edited by furball (10/15/24 05:18 AM)

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#10635496 - 10/16/24 12:30 AM Re: dat real estate v.2021 [Re: furball]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
NGL, this parking situ was also how it was at my Markham home. I just didn’t have to do it cuz I also had parking pad.

But this type of overhang is ridiculous in general.

https://www.instagram.com/reel/DA9nF4ZMIkr/?igsh=emw1dHAzem1kM25n

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#10635504 - 10/16/24 04:16 AM Re: dat real estate v.2021 [Re: furball]
Risky Business Offline
Provides a Great Work Environment.
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Registered: 05/17/10
Posts: 45754
Looks like my version of a mini hell if I lived in a place like this. Don't they have bylaw there? In Markham your shit would be ticketed daily for doing this.
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#10635563 - 10/16/24 08:16 AM Re: dat real estate v.2021 [Re: Risky Business]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
Brampton:

https://www.brampton.ca/EN/residents/By-...stive%20device.

 Quote:
Sidewalk
No portion of a vehicle can overhang onto the sidewalk, or obstruct any portion of the sidewalk. Sidewalk must remain clear at all times to allow for strollers, children and individuals requiring the use of an assistive device.


re: Markham, couldn't find anything clear ... I last understood it that as long as the TIRES ain't touching sidewalk or road, you in the clear... (The EL and TSX worked fine in these cases.)

 Originally Posted By: Risky Business
Don't they have bylaw there? In Markham your shit would be ticketed daily for doing this. I did it a handful of times, and was fine...


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#10635584 - 10/16/24 09:20 AM Re: dat real estate v.2021 [Re: furball]
Big Tasty Offline
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Registered: 02/10/02
Posts: 19988
Loc: Toronto
We have sidewalk snowplows that barrel through the area not giving a fuck to what is there infront of them. LOL that would be comical mayhem here.
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#10635609 - 10/16/24 10:08 AM Re: dat real estate v.2021 [Re: Big Tasty]
Big Tasty Offline
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Registered: 02/10/02
Posts: 19988
Loc: Toronto
You've heard of sunken livingrooms before, well I give you now the sunken bedroom.

https://cache17.housesigma.com/file/pix-treb/E9324379/dfc2b_23.jpg?0632a84b

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#10635672 - 10/16/24 12:59 PM Re: dat real estate v.2021 [Re: Big Tasty]
Risky Business Offline
Provides a Great Work Environment.
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Registered: 05/17/10
Posts: 45754
looks like they took up the guy who came with 'free staging'

knocked it out of the park over there

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#10635788 - 10/16/24 06:04 PM Re: dat real estate v.2021 [Re: Risky Business]
LNXGUY Moderator Offline
Tougher than Logan Roy
Post Master Supreme


Registered: 08/06/00
Posts: 107943
Loc: Barrie, Ont,
_________________________
-Bill
The GN would OWN you, your children and your children's children.
Left foot, right foot, just keep moving!!! -Jeffrey P. Murphy


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#10635812 - 10/16/24 09:55 PM Re: dat real estate v.2021 [Re: Big Tasty]
A2B-Lexus Offline
Post Master Supreme


Registered: 04/19/01
Posts: 45582
Loc: Raptors Land
 Originally Posted By: Big Tasty
You've heard of sunken livingrooms before, well I give you now the sunken bedroom.

https://cache17.housesigma.com/file/pix-treb/E9324379/dfc2b_23.jpg?0632a84b


Found the full listing. That design is odd.

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#10636091 - 10/17/24 02:20 PM Re: dat real estate v.2021 [Re: Big Tasty]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
That bed just fits ... I'm impressed.

 Originally Posted By: Big Tasty
You've heard of sunken livingrooms before, well I give you now the sunken bedroom.


Edited by furball (10/17/24 02:20 PM)

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#10636117 - 10/17/24 03:10 PM Re: dat real estate v.2021 [Re: furball]
Big Tasty Offline
Post Master Supreme


Registered: 02/10/02
Posts: 19988
Loc: Toronto
Hopefully that is not a guest room as anyone not familiar with it will trip and go head first in the wall
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#10639444 - 10/27/24 11:54 AM Re: dat real estate v.2021 [Re: Big Tasty]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9547
Loc: Toronto, ON
Name change clause before closing.

https://www.instagram.com/reel/DBoj6vIx-jC/?igsh=ejBvcmN1Ync0dHY=

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