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  1. Replies
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    But I didn’t own the car. I leased it from...

    But I didn’t own the car. I leased it from Hyundai Capital Canada. How come I signed a BOS? I’ve never done this before so I was unsure.
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    Have you guys ever switched from leasing to...

    Have you guys ever switched from leasing to financing? Essentially buying the car out and financing the residual? I just did this with my G80 but it seemed kind of weird to me. Had to sign a BOS as...
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    Ah fuck, I was going to see about bypassing the...

    Ah fuck, I was going to see about bypassing the inspection but now I see my lender was the one initially asking for it. fuck sakes.

    EDIT: Spoke too soon. Turns out they don't need it.
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    That pretty much summarizes it. The only real...

    That pretty much summarizes it. The only real "inspecting" he did was turn all the lights on. Raised the thermostat setpoint to hear furnace run. Checked furnace last cleaning/service dates.

    All...
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    You guys always get an inspection when buying? ...

    You guys always get an inspection when buying?

    After what I witnessed yesterday on my current home, I'm on the fence. Seems like a complete scam to me.
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    The only other condition they had was financing,...

    The only other condition they had was financing, that was it.
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    True. But I didn’t want to start a Blackfalds RE...

    True. But I didn’t want to start a Blackfalds RE thread haha.
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    I’m in Blackfalds. Which makes it even more weird...

    I’m in Blackfalds. Which makes it even more weird because this place doesn’t give a shit about RPR’s.



    Yah, we will see. That offer was less than 24hrs after listing. lol. Got three more...
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    The way it was just explained to me was if...

    The way it was just explained to me was if something does go wrong, the insurance covers the cost of fixing whatever is wrong. The former owner has no liability.

    - - - Updated - - -

    June 2014.
  10. Replies
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    I did. I offered to pay it. But they want the...

    I did. I offered to pay it. But they want the whole thing redone. My realtor was very surprised by this. I guess they have been spooked in the past about non-current RPR’s.
  11. Replies
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    Sale of my house just fell thru over $300 because...

    Sale of my house just fell thru over $300 because they don’t want title insurance. They want a full blown survey and redone RPR.

    Damn, the offer was decent too.
  12. Replies
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    Never did get my money back from them. Tried...

    Never did get my money back from them. Tried multiple times.
  13. Replies
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    10-4. Thanks.

    10-4. Thanks.
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    Ok. So I'm going to contact the realtor and tell...

    Ok. So I'm going to contact the realtor and tell her I want to hire her to sell my current place and that's it. Just sell.

    The next step on the buying portion of this is to contact those owners...
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    I haven't hired a realtor to sell my place yet....

    I haven't hired a realtor to sell my place yet. I've been recommended one and I contacted her to see what my place is worth. She did that and now this is where I'm at. I haven't hired her as my...
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    So the realtor represents me on my behalf at a...

    So the realtor represents me on my behalf at a private deal?

    Does this look stupid after talking face to face with them about a private deal then a realtor shows up?
  17. Replies
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    If I'm pursuing a private deal (me buying,...

    If I'm pursuing a private deal (me buying, someone else selling) should I involve a realtor in any way, shape or form?

    Situation: A house in Red Deer was listed last year during the summer. Went...
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    Yup. She did mention that as well. They can do a...

    Yup. She did mention that as well. They can do a rate adjustment. Will keep that in mind tho. Thanks!
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    ercchry Got some stuff going with RBC this...

    ercchry

    Got some stuff going with RBC this morning to see what they'd be doing. She said essentially what you said; get a new mortgage. Best course of action is to just select the open mortgage...
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    I am. I was hoping to be armed with more "facts...

    I am. I was hoping to be armed with more "facts and data" before going in.
  21. Replies
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    Hey, there we go. An idea to ponder. I was...

    Hey, there we go. An idea to ponder.



    I was more or less asking for some guidance as I have not done anything whatsoever regarding this stuff. Most people here are more levelheaded and have...
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    Yes they do. They sign the paperwork after...

    Yes they do. They sign the paperwork after selecting an option on the form and send it back to the bank instead of going into the bank to talk to them. This is why, the last time I renewed, the...
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    RBC posted rate is 6.79% on a 5 year fixed...

    RBC posted rate is 6.79% on a 5 year fixed so...... ????
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    Nothing is wrong with it. Why do you ask? ...

    Nothing is wrong with it. Why do you ask?



    Special rates are for purchases and switches. Not renewals. Apparently. And I'm trying to renew and sell my house and buy a new one. I guess you...
  25. Replies
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    The best rate on this form is the 5 year closed...

    The best rate on this form is the 5 year closed fixed @ 6.19%. If I sign up for that, sell the house in 3 months and then port to new house, I keep the 6.19 rate for remainder of term.

    I'm not...
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    Ok so the penalty break fees appear to be around...

    Ok so the penalty break fees appear to be around the $3900 mark if I choose to go on the variable rate at 7.2%.

    So I would be paying $2030 per month (60 month variable) on this rate while the...
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    Fair enough. Thanks!

    Fair enough. Thanks!
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    Ok thanks. I will see what servus has to say on...

    Ok thanks. I will see what servus has to say on Saturday. I'll check the math out on the 3 months penalty (Variable) vs open at higher fixed rate.
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    But if I port it, does that mean I lose out on...

    But if I port it, does that mean I lose out on getting the special rate? Basically, if I take the 7.2 variable and sell my house in 2 months time, I keep the same rate for new mortgage?
  30. Replies
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    I took CMHC for this current house back in 2013....

    I took CMHC for this current house back in 2013. But for the next mortgage, I'd be doing ~30% down or more.
  31. Replies
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    So you are saying that I should be keeping the...

    So you are saying that I should be keeping the Variable option in mind as well? I do see what you mean about paying the entire amount owing along with 3 months interest. Variable rate offered in this...
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    Bump. I have my renewal coming up on March 1....

    Bump.

    I have my renewal coming up on March 1. The plan is to sell this place and buy in Red Deer. My mortgage is with Servus but my normal bank is RBC.

    I just got the renewal form in the mail....
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    Yah these guys are fucking ridiculous with this...

    Yah these guys are fucking ridiculous with this shit. Just got off chat with them so I'm all fired up. Bunch of fucking idiots.
  34. City of Red Deer is looking at completely...

    City of Red Deer is looking at completely transitioning away from their vehicle mounted photo-radar program. Apparently it costs more to administer the program than it brings in.
    ...
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    I just recently stumbled across departures....

    I just recently stumbled across departures. again. Anyone remember that show?? Aired on OLN and Citytv in 2008 to 2010. My buddy, a big travel buff, always had episodes playing in the background when...
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    Did they send it to you via e-transfer? I'm still...

    Did they send it to you via e-transfer? I'm still waiting for that refund from back in November/December.
  37. The fact they haven't rebuilt it yet is comical....

    The fact they haven't rebuilt it yet is comical. That elevated bend (The Rollercoaster is what I think people were calling it) isn't the only problem. There's also the short on ramp onto a 2 lane...
  38. Bump. Lobbying has commenced to get QEII at max...

    Bump. Lobbying has commenced to get QEII at max 80kph in Leduc. What's the over/under on Airdrie doing the same at some point?
    ...
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    Poll: That was to do with nuclear weapons...

    That was to do with nuclear weapons proliferation, not actual energy. And yes, while the signs on the City entrances saying nuclear weapons free zone have been removed, there still remains a formal...
  40. Interesting write up on current CPP you guys...

    Interesting write up on current CPP you guys should give a read.

    https://www.reddit.com/r/PersonalFinanceCanada/s/6goO9Xqqxr
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