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http://www.cbc.ca/m/news/canada/edmonton/td-bank-client-devastated-by-17-000-mortgage-penalty-1.2790108 Oh no we didn't think we'd be charged a penalty for breaking a mortgage term.
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Oct 8, 2014 19:23
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Cultural Imperial posted:Trusz said he expected TD Canada Trust, with whom they have banked for almost 20 years, to make an exception in their case Banks are p. cool with making exceptions for poors, it's true
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Oct 8, 2014 19:35
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Cultural Imperial posted:http://www.cbc.ca/m/news/canada/edmonton/td-bank-client-devastated-by-17-000-mortgage-penalty-1.2790108 quote:MacRae said the IRD is designed to ensure a bank won’t suffer when a customer decides to end a mortgage before its maturity date. Did you miss this line CI?
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Oct 8, 2014 19:52
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blah_blah posted:Did you miss this line CI? They aren't military though? That exception is there because of military people constantly having to move, for their job, and it's well known. Sure, the bank maybe should have given it to them on the grounds of compassionate needs, but they certainly don't apply for the military exemption.
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Oct 8, 2014 20:01
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blah_blah posted:Did you miss this line CI? Yes and it makes me furious. Here's a reddit thread for the ages. http://www.reddit.com/r/vancouver/comments/2iok04/hi_rvancouver_i_need_help_finding_a_professional/ e: ps incinerate the CF namaste friends fucked around with this message at 20:12 on Oct 8, 2014 |
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Oct 8, 2014 20:04
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A documentary from 2006 about housing (mostly suburbs) in Canada: http://topdocumentaryfilms.com/radiant-city/ Apologies if it already appeared in this thread. I don't particularly like this documentary, but it seems like a lot of people do.
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Oct 8, 2014 20:35
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HookShot posted:They aren't military though? I know, but CI's opinion on military relocation perks (mainly from the government, but apparently from the banks also!) is well-established.
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Oct 8, 2014 21:17
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blah_blah posted:I know, but CI's opinion on military relocation perks (mainly from the government, but apparently from the banks also!) is well-established. Ah ok, sorry, I missed that.
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Oct 8, 2014 21:29
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Jumpingmanjim posted:We have laws (theoretically) but they aren't enforced. No wonder in a country full of crims
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Oct 8, 2014 23:12
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So remember those condo prices I posted on the previous page? I just asked the REALTOR(r) what the units were first listed at 5 years ago. The ones that sold for 260k ish were first marketed at 400k and the ones that sold for 400k were listed around 599k. How does something like this even happen?? Nothing in the region was going for those prices per sq ft, not even in the luxury market. This was a wood frame condo in a residential area next to a cemetery and a grocery store. The company of course went bankrupt, but how did it even get off the ground with those prices? How did no one tell the developer his numbers were insane, how did he even get financing to build it?? Also this just popped up on facebook for me, a guide for condo pre-sales to ensure you aren't disapointed. http://vibrantvictoria.ca/local-news/pre-sale-condo-buying-tips-to-save-you-money-time-and-disapointment/ Baronjutter fucked around with this message at 01:46 on Oct 9, 2014 |
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Oct 9, 2014 01:44
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Buying a presale condo is just about the most financially insane thing I can imagine, outside of large recreational watercraft. I wouldn't buy a loving packet of sausages I couldn't see in advance, let alone a $400k glass box!
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Oct 9, 2014 01:55
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haha yes buying a loving boat hoooooooly shiiiiiiiit
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Oct 9, 2014 02:03
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Here's how mayor moonbeam is going to make your pride-of-ownership dreams come true https://www.cbc.ca/news/canada/british-columbia/gregor-robertson-unveils-vision-vancouver-affordability-plan-1.2792595 quote:The Vision Vancouver platform includes:
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Oct 9, 2014 02:24
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None of those sound bad, but 4,000 is a drop in the bucket.
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Oct 9, 2014 02:39
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Baronjutter posted:None of those sound bad, but 4,000 is a drop in the bucket. Exactly. I fail to see how any of this is going to affect affordability in Vancouver, other than help his developer buddies make more money.
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Oct 9, 2014 02:41
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Behold the face of BC.some fuckbag posted:[L]ifelong Surreyite Obi Canuel is currently unable to drive because he has refused to remove a spaghetti colander from his head for his driver’s license photo. He does it, he claims, because he believes the world was created by an intoxicated Flying Spaghetti Monster. This douchebag brings down the collective worth of everyone on the west coast. In his spare time he also uses hidden cameras to intentionally rile Jehovah's Witnesses and Salvation Army members over tenets of their faith, proving that he's the bigger rear end in a top hat of them all. e. aw poo poo I got told by rime. Guest2553 fucked around with this message at 06:09 on Oct 9, 2014 |
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Oct 9, 2014 02:52
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Cmon man you going to curry favour with JWs?
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Oct 9, 2014 02:56
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Nah, their magic underwear doesn't really work anyways. When it's rear end in a top hat vs rear end in a top hat, rear end in a top hat always wins.
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Oct 9, 2014 03:04
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I was going to quibble that their 4000 rental units over 4 years seems unachievable, given their 3 year mandate, but I suppose that term length change is a forgone conclusion. I will give Moonbeam and Vision some credit though, they are actually doing more for the homeless and adding rental units than any government in Vancouver that I can recall has. Which is more a statement about previous governments than a ringing endorsement of them.
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Oct 9, 2014 03:10
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Kalenn Istarion posted:No wonder in a country full of crims China?
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Oct 9, 2014 03:16
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Surprise! Chinese people are dishonest! http://www.scmp.com/news/world/article/1612403/rich-chinese-immigrants-deception-costs-british-columbia-billions quote:Province misses out on its promised loans as rich Chinese claim they are settling elsewhere
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Oct 9, 2014 04:27
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Cultural Imperial posted:Surprise! Chinese people are dishonest! it seemed like a good idea at the time.
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Oct 9, 2014 04:43
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Guest2553 posted:Behold the face of BC. Obi is a pretty hilarious and awesome guy, perhaps you should go back to Reddit and continue bringing down the collective worth of everyone on the west coast with your shitposting.  (You can't be a bigger rear end in a top hat than a religious organization which denies child molestation unless witnessed by two other church members, by the way.) Rime fucked around with this message at 05:53 on Oct 9, 2014 |
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Oct 9, 2014 04:59
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Cultural Imperial posted:Surprise! Chinese people are dishonest! PEI did the same drat thing, except the "business owners" didn't actually exist and it took an investigation by the loving University of Kings College to find this out. Among other things: quote:1. The P.E.I. government interpreted Ottawa’s immigration rules in such a way that immigrants could be considered actively involved in businesses they knew little or nothing about. It was a massive loving handout to the Atlantic Canadian business class. PEI should be sued for this money, because it was so blatantly obvious what was going on (hmm... rural Chinese family wants to relocate to a town 1 hr outside of Charlottetown to work for a business that works out of some guy's house...) but they just kept on keeping on. Atlantic Canada, man. Jesus Christ.
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Oct 9, 2014 21:16
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Cute that we're still allowing a little island with half the population of greater Victoria to pretend it's a province. It is insane that the Atlantics have still not yet amalgamated into a single province.
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Oct 9, 2014 21:23
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I think the better solution is to let Vancouver island be its own province too! That would be a glorious sight to behold and amazing politics to follow. I can't even imagine.
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Oct 9, 2014 21:25
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Baronjutter posted:I think the better solution is to let Vancouver island be its own province too! That would be a glorious sight to behold and amazing politics to follow. I can't even imagine. Ha! You think VI is parochial and inwards looking now?! I can only imagine how far they'd take it as a province.
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Oct 9, 2014 21:31
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Lexicon posted:Ha! You think VI is parochial and inwards looking now?! I can only imagine how far they'd take it as a province. At least we'd see an attempt to get a bridge built. Haha. Just kidding. I know the technical problems in addition to economic ones.
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Oct 9, 2014 21:36
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Lexicon posted:Cute that we're still allowing a little island with half the population of greater Victoria to pretend it's a province. The typical argument used is "culture", even though: *Nova Scotia's "Celtic" culture is a 1950s invention, isn't even true, and ignores the people who've been there much longer *PEI is really, really tiny *New Brunswick is a large company town edit: I would like to clarify that there is plenty of culture and original art out here, if you know where to look - but the government out here would rather spend their money on poo poo like building a copy of the Bluenose(!). At least they don't give funds to car manufacturers and "heavy water plants" these days. Isentropy fucked around with this message at 21:45 on Oct 9, 2014 |
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Oct 9, 2014 21:41
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The bridge would be built to saltspring, which would shortly after be destroyed by a terrorist bombing in the name of keeping saltspring wild and rugged and protect its pure and unique culture from outsiders. The fanatic bomber will turn out to be a rich transplant from Toronto who only moved there a year ago to build a 3,000 sqft "rustic cabin" and doesn't want anyone else building near him.
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Oct 9, 2014 21:43
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Lexicon posted:Ha! You think VI is parochial and inwards looking now?! I can only imagine how far they'd take it as a province. Virulent separatism followed by the mining of Georgia Straight.
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Oct 9, 2014 21:45
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Isentropy posted:The typical argument used is "culture", even though: I don't even understand how 'culture' could even be an argument against amalgamation. What's harmful to culture about realizing some economies of scale by combining three replicas of the same government infrastructure?
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Oct 9, 2014 21:50
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Lexicon posted:I don't even understand how 'culture' could even be an argument against amalgamation. What's harmful to culture about realizing some economies of scale by combining three replicas of the same government infrastructure? MLAs are very protective of their local fiefdoms and patronage systems. A Liberal premier (Dr. John Savage?) actually got ran out over ending the policy of patronage appointments that every government, including the current one, has used since at least the 50s. edit: things like firing all the deputy ministers and replacing them with your own, appointing failed candidates and campaign managers to things like head of the efficiency and social service agencies...
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Oct 9, 2014 21:59
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Isentropy posted:MLAs are very protective of their local fiefdoms and patronage systems. A Liberal premier (Dr. John Savage?) actually got ran out over ending the policy of patronage appointments that every government, including the current one, has used since at least the 50s. Oh yeah, I totally get that it is pleasant for those in power to be able to hand out sinecures and that sort of thing, and that all organizations exist to perpetuate themselves, etc, etc. I'm just saying that this does not in any way constitute an argument about preserving the culture of place-X.
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Oct 9, 2014 22:04
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It's enough of an excuse to keep the status quo anyways. Amalgamation of anything is very hard unless forced. It's easy to split things, "more local representation!'. Just say the other party is going to take more than they give, or add their problems to yours, and people will fight tooth and nail against it. Look at Victoria politics and how it's divided into a bunch of stupidly tiny little cities who all resist any sort of cooperation, let alone amalgamation. The status quo works for them, they get to dump all their social ills downtown but not have to pay for any of its services or policing. People in the richer suburbs will come right out and say things like "I don't want my tax dollars going to drug addicts and street people when they could be spent on gardens and street improvements here". All you have to do is scare people saying "your votes won't matter anymore since you'll become a minority in the greater elections!" or "Your local police won't have time to respond to your 911 call about a drunk girl eating a package of chips out of your open garage and doing a full follow-up investigation since they'll be dealing with stabbings and homeless people downtown!" If you are richer than another area, it's in your best interests to stay separate because FYGM. If you're poorer or smaller than another area it's often in your best interest to stay separate as you are able to be over-represented politically.
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Oct 9, 2014 23:13
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Could someone familiar with Ontario housing please explain to me why our current, and most likely soon to be reelected, mayor is saying that rapidly rising housing costs in Barrie is a good thing? 
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Oct 10, 2014 00:16
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Furnaceface posted:Could someone familiar with Ontario housing please explain to me why our current, and most likely soon to be reelected, mayor is saying that rapidly rising housing costs in Barrie is a good thing? Because it means that Barrie is richer than it used to be, and that is good. Unless you need to buy a house. Or want to work in a non-construction industry. Or have concerns about how much cash housing is sucking up from the economy at large.
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Oct 10, 2014 00:26
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Furnaceface posted:Could someone familiar with Ontario housing please explain to me why our current, and most likely soon to be reelected, mayor is saying that rapidly rising housing costs in Barrie is a good thing? Having more equity in your home is like getting a bigger future paycheck.
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Oct 10, 2014 01:11
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etalian posted:Having more equity in your home is like getting a bigger future paycheck. Mortgages are like payday loans.
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Oct 10, 2014 04:03
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etalian posted:Having more equity in your home is like getting a bigger future paycheck. Nah bro it's a foolproof retirement plan.
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Oct 10, 2014 04:06
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