-
Re: Goodbye WBs...For real
I am so sad to see this forum closing. Even though I have migrated over to another fantastic forum, I appreciated being able to return...
I am so sad to see this forum closing. Even though I have migrated over to another fantastic forum, I appreciated being able to return here to search for answers. What a loss of a wonderful resource and a wealth of information.
I have visited this site at least once a day for almost 6 years. I have met so many wonderful people and learned so many things.
Thanks WB. So sad to see you disappear.
-
Re: Spokane shopping?
Did you find any? My IL's live there and I couldn't find any great shopping the 1 time that we were there to visit. We...
Did you find any? My IL's live there and I couldn't find any great shopping the 1 time that we were there to visit. We are going back this Christmas so I hope to find some this time!
-
Re: Going back to school..as an adult
I've gone back a couple of times and LOVED it! And I hated highschool as well as college the first time I went. I went...
I've gone back a couple of times and LOVED it! And I hated highschool as well as college the first time I went.
I went back to school to change careers from ages 25-28 and really, really loved it. I found school so much more interesting and so much easier. Logical thinking comes so much more naturally when you are a little bit older I think.
I like it so much that I went back and switched careers again in my early 30's.
I wouldn't worry about feeling like an outsider being older, I think you will be surprised at how many other adults there will be.
-
All goodreads member- please read
Oh no! Did I miss something? Hopefully nothing happens to that group. I love it! ...
Oh no! Did I miss something? Hopefully nothing happens to that group. I love it!
-
Re: Vestment Period - Alberta??
Sorry to hijack.. I understand the 2 years part, but can anyone explain the rest to me? My DH thinks that even if he works...
Sorry to hijack.. I understand the 2 years part, but can anyone explain the rest to me?
My DH thinks that even if he works there until he is, say 64 with retirement age being 65, and then moves to another employer without retiring, that he will lose all portions of the pension that his employer contributed and will only get what he, himself contributed. I think he is wrong. He is in a defined benefit plan if it makes a difference.
-
Re: Help painting furniture - deciding on colour/style
You can definitely just paint it all out. It won't lose the prettiness of it. If you decide you want to bring that detail back...
You can definitely just paint it all out. It won't lose the prettiness of it. If you decide you want to bring that detail back out, you can always put a darker shade in the groove. You could also distress it just a little. Just enough to bring the detail out, but not so much to make it look shabby.
I'm sure the yellow would look nice, but with so much other colour, I would be tempted to stick with white or a creamy off-white.
Here is one of my favourite blogs for painting furniture.
Perfectly Imperfect I absolutely LOVE that quilt too!
Please post pics when it is done!
-
Re: New forum has launched
It looks pretty awesome! ...
It looks pretty awesome!
-
Re: While on the topic of hutches...
I'd paint it too. Don't worry about painting it because of the history. Don't you think it is better to repaint/repurpose something with so much...
I'd paint it too. Don't worry about painting it because of the history. Don't you think it is better to repaint/repurpose something with so much history and turn it into something that you like rather than to get rid of it because you are afraid to change it?
I think a combination of old and new look fantastic together, especially when a piece has history. I think that leaving it as is would probably look really out of place in you more modern home, but painting it out, would make it a statement piece. You could go with glossy black, grey or white, or a softer colour and distress it (or not) or go with something REALLY bold.
-
Re: A WWYD for my DH- long read
I haven't read all of the comments... If I were him I would just keep going at the level that I am at without buying...
I haven't read all of the comments...
If I were him I would just keep going at the level that I am at without buying equipment and without the continuing friendship of the owners. I wouldn't want to be friends with people like anyway. I would do my best to enjoy it for what it is. If the owners continued to make it too uncomfortable for me to enjoy myself, I would be disappointed, but would look for another activity that I could enjoy elsewhere.
-
Re: would you lock in 3.29/5 years or 3.00/variable 5
I would also lock in. As soon as prime rises (by the end of 2012 they are predicting), it will probably go up to 3.25%...
I would also lock in. As soon as prime rises (by the end of 2012 they are predicting), it will probably go up to 3.25% and then will keep rising from there.
-
Re: IQ Test
Well, I am going to choose to believe that this is a real IQ test as I scored 152! ...
Well, I am going to choose to believe that this is a real IQ test as I scored 152!
-
Re: April beauty boxes!
Does anyone have the coupon code for the $100 worth of free product from NuMe? My DH threw mine out . ...
Does anyone have the coupon code for the $100 worth of free product from NuMe? My DH threw mine out
.
-
Re: Laser hair removal
I'm working on the brazilian right now. I have had 2 of 6 sessions. After the 1st session, pretty much anywhere she actually got with...
I'm working on the brazilian right now. I have had 2 of 6 sessions. After the 1st session, pretty much anywhere she actually got with the laser has virtually no hair growing back. Unfortunately, she seems to hit and miss the same lines each time. I hope she manages to get it all over the next 4 sessions. I cannot believe how well it works. The place I go to uses the LightSheer laser.
-
Re: Tell me about your thoughts on the AB election...
So happy! I saw that voter turn out was still only around 45%. I was surprised by that. I thought it would be much higher....
So happy!
I saw that voter turn out was still only around 45%. I was surprised by that. I thought it would be much higher.
-
Re: How do I get rid of this stuff (bathroom)
I was also going to recommend scoring through the drywall paper before trying to pry off. ...
I was also going to recommend scoring through the drywall paper before trying to pry off.
-
Re: Canvas Prints - Recommend a company
I used Posterjack and LOVED them! The thing that I loved most about them was that they "mirrored" the wrapped edges. I had some phots...
I used Posterjack and LOVED them! The thing that I loved most about them was that they "mirrored" the wrapped edges. I had some phots I wanted printed on canvas, but had they wrapped the actual picture around the edges, it would not have worked. Hands and heads would have been cut off. Posterjack "mirrored" the image 2 inches around the entire image and wrapped the "mirrored" part around the frame. If you look really, really closely, you can see it, but otherwise it just looks like a continuation of the image around the edge, not a repeat of it. KWIM? Posterjack was the only company I found that would do that.
I also got coupon for Posterjack on Groupon. I paid $49 for a 16x24 print. They seem to be on there quite often, especially if you search all of the cities, not just your local one.
-
Re: Encouragement Needed, Please
Yay!!! Good luck on Tuesday! ...
Yay!!! Good luck on Tuesday!
-
Re: "educational" gift for 6yr old boy?
If he loves to pick up and collect things, maybe get him started on the "Backyard Safari" stuff. My kids love it. The "essential cargo"...
If he loves to pick up and collect things, maybe get him started on the "Backyard Safari" stuff.
My kids love it. The "essential cargo" vest has tons of pockets and is perfect for exploring and collecting. There is a whole line of tools and magnifying glasses, binoculars, scopes, bug habitats, etc...
Fun and educational. You can get most of the stuff at Toys R Us and it is a pretty decent price.
Backyard Safari Otherwise, there are some great kids magazines out there. My kids love Chirp so the older Chickadee version would be great for a 6 year old (I know I used to love it), or the National Geographic kids as another poster mentioned.
-
Re: Tell me about your thoughts on the AB election...
I am so glad I read this thread. Thank you for educating me. The thought of "conscience rights" absolutely appalls me. And even if the...
I am so glad I read this thread. Thank you for educating me. The thought of "conscience rights" absolutely appalls me. And even if the whole idea behind it isn't to actually limit people's access to these services, I can really see it opening the door for just that. People already fought and won these rights for us and it really upsets me to think that this government is wanting to go back and give individuals the option of whether or not to grant these rights.
I firmly believe that if there is something about your job or your profession that goes against your conscience, you should not have chosen that profession in the fist place. And if they do grant these "conscience rights", why should it only be to public servants? Wouldn't it just open the door to granting them to everyone? To shopkeepers? To bus drivers? What if a teacher decided it was against their conscience to teach girls? Where will it end?
-
Re: Just got really bad news...need to tell somebody
I am so, so sorry to hear this news. Please let us know if there is anything that we can do for you. I cannot...
I am so, so sorry to hear this news. Please let us know if there is anything that we can do for you. I cannot imagine what must be going through your head and your heart right now. I am sending you all the positive vibes and strength that I can muster for you.
Please try to keep us updated and share your story and journey with us if you feel up to it.
-
Re: Hey WB Winos!! Help me out
Mmmmmmmm. Apothic. That is my new favourite red. It is a blend of syrah, merlot and zinfandel. It is a litle on the sweeter side...
Mmmmmmmm. Apothic. That is my new favourite red. It is a blend of syrah, merlot and zinfandel. It is a litle on the sweeter side so a great red for just starting out on wines. Soooooooo good!
I find the Moscatos a little too sweet for my taste in whites, but I sometimes mix it 50/50 with a reisling or something. Hardy's Stamp of Australia Reisling/Gewurztraminer blend is an awesome white. Also a little on the sweeter side.
I also love Ernest & Julio Gallo White Zinfandel. It is a wonderful fruity wine that is so good in the summer.
Now I need to go crack a bottle of something!
-
Re: % of home value financing for mortage re-finance
To explain it a bit better... When you renew your mortgage, it means to renew the mortgage at the current amount over the current remaining...
To explain it a bit better...
When you renew your mortgage, it means to renew the mortgage at the current amount over the current remaining time on the amortization of the mortgage. You do not make any changes to the amount currently owing or to the time remaining on the mortgage, you just lock into a new rate for a new period of time.
Refinancing your mortgage means to change the amount and/or time remaining on the mortgage. Usually to increase the amount of mortgage to use the equity in the home for some other purpose. Or to increase the length of time to reduce payment amounts.
Since the mortgage on your current house is already insured by CMHC for a certain amount of money over a certain period of time, you can transfer this mortgage, along with the CMHC insurance already paid, to a new lender for the remaining amount owing and the remaining time. As long as you do not make any changes to the new mortgage, MOST lenders will accept the mortgage as is and allow you to transfer to them. There are some lenders that will not though.
You will have no problems renewing with your existing lender, but you may need a broker to do the shopping around for you if you would like to move your mortgage elsewhere.
-
Re: Pay penalty or lock in mortgage at lower rate?
You really do need someone to run the numbers for you before you will have a real answer. I would guess that it would be...
You really do need someone to run the numbers for you before you will have a real answer. I would guess that it would be pretty close either way. But if you can still lock in a the 2.99% and rates go up before you close on your house, your penalty will be even less.
I did a calculation based on a $400,000 mortgage over 25 years and based on the payment amounts and the outstanding balance at the end of 12 months, the 2.99% rate would save you $11,775 over the 6% rate in those 12 months. Maybe that helps a little?
If you want to PM me the real amounts I can do some real calculations for you.
-
Re: Kijiji find - rejuvenated.
Love it!!! ...
Love it!!!
-
Re: What happens to mortgage when you sell your house?
Nathan'smom is right. Most variable rate mortgages are closed. Open mortgages have much higher interest rates. With a variable rate mortgage, your penalty would be...
Nathan'smom is right. Most variable rate mortgages are closed. Open mortgages have much higher interest rates.
With a variable rate mortgage, your penalty would be 3 months interest which would probably not make it a very large penalty at this time. Depending on what your current discount from prime is and if you want another variable rate mortgage or a fixed rate mortgage instead, it may be better for you to break your current mortgage and get a new one anyway. You should have someone run the numbers for you.
-
-
Re: Bother renovating or sell and move?
I would totally renovate. Especially with a handy husband. I love DIY though. ...
I would totally renovate. Especially with a handy husband. I love DIY though.
-
Re: Check out my octopus art!
Love it! I've been wanting to make that kind of art for a while now! ...
Love it! I've been wanting to make that kind of art for a while now!
-
Re: Any electricians here? Need help ASAP!
Not an electrician either, but that's what I was going to say. Bad connections somewhere, probably near the beginning of the line. ...
Not an electrician either, but that's what I was going to say. Bad connections somewhere, probably near the beginning of the line.
-
Re: I just do NOT understand how mortgage brokers work
I also would never put the application for a live deal in without express instruction from the client. Is it possible that the agent put...
I also would never put the application for a live deal in without express instruction from the client.
Is it possible that the agent put it in as a 30 year amortization because you would not have debt serviced with a 25 year amortization?
Yes, your purchase "amount" would be less with a 25 year amortization than with a 30 year amortization.
If you would qualify, your agent should have been able to change the amortization. If you wouldn't have qualified, and if your mortgage had pre-payment privileges, you could have still made payments based on a 25 year amortization. You would have still been out the extra CMHC premium, but it would have gone a long way in making the difference up.
As Tweet said, usually a pre-approval doesn't matter much (unless rates really go up in the meantime) and I would always let my clients know which lender has the lowest rate at the time that the offer is accepted (deal goes live) on the new house, whether or not it is the same lender that the pre-approval went in with.
You asked about having your credit pulled again. Sometimes it might have to be pulled a second time. It all depends on timelines and the lender's criteria. If you get a pre-approval and then 90 days later put an offer in on a house and go with a lender different than the one that the pre-approval was with, you would most likely have to have your credit bureau pulled again. Having your credit bureau pulled really isn't that big a deal though. It only really matters if it is being pulled many times in a very short period of time. The only other time it might matter is if your credit is just marginal to start with. If someone has strong credit, having it pulled 2 or 3 times over the period of a couple of months is not going to hurt them enough to matter.
-
Re: Two toned kitchens - trend?
I'm not much help. I absolutely LOVE the 2-tone look and would love it in my kitchen, but I also wonder about the trendiness of...
I'm not much help. I absolutely LOVE the 2-tone look and would love it in my kitchen, but I also wonder about the trendiness of it.
I do think that the white cabinets and dark wood island are more timeless than the painted cabinets (mostly greys) that I have been seeing a lot of lately.
-
Re: Help me pick fabric for curtains
Ooooh! That's the one I voted for. Can't wait to see it in the room as a whole! ...
Ooooh! That's the one I voted for. Can't wait to see it in the room as a whole!
-
Re: Looking for decor inspiration pics
If he doesn't like the pink, turquoise and red seem to be all the rage right now too. Here are some pics: ...
If he doesn't like the pink, turquoise and red seem to be all the rage right now too.
Here are some pics:
-
Re: OMG...I knew it was a hot market, but...
OMG! Yay! How exciting! Everything has happened so quickly that I think this has gone as stress-freely as anyone could have possibly hoped for! ...
OMG! Yay! How exciting! Everything has happened so quickly that I think this has gone as stress-freely as anyone could have possibly hoped for!
-
Re: Mortgage Rate good or not?
As Tweet said, not such good rates. ...
As Tweet said, not such good rates.
-
Re: Stuck in Winnipeg and am a cheap date
Sorry to hijack and sorry if you have stated this somewhere before, but what do you do for work Milly? and how did you end...
Sorry to hijack and sorry if you have stated this somewhere before, but what do you do for work Milly? and how did you end up where you are? Is that where you are from? I am just curious. I don't know why, but I am really just attracted to life in the north. If flights were really cheap and I could visit family easily, I would totally live in the far, far north somewhere. Maybe I will come visit you some day!
-
Re: OMG...I knew it was a hot market, but...
Good luck! Good luck! Good luck! ...
Good luck! Good luck! Good luck!
-
Re: We just bought our 'forever' home!
Love it! ...
Love it!
-
Re: X-Post - Refinancing Mortgage + Renovations....
You could also get a home equity line of credit which is sort of a combination of the 2 options you talked about above. If...
You could also get a home equity line of credit which is sort of a combination of the 2 options you talked about above. If your mortgage is up for renewal this spring, now is a great time to start speaking to someone about your options and locking in a great rate.
-
Re: Cabinets done-counter/backsplash/paint help pls!
Wow! It does look fantastic! I LOVE the first two tile choices, but the third is nice too. I like the first and last counter...
Wow! It does look fantastic!
I LOVE the first two tile choices, but the third is nice too.
I like the first and last counter choices but not really the middle two. I think the middle two would make the kitchen look sort of black and white and not quite as neutral.
-
Re: mortgage questions...
Are you wanting to actually refinance (meaning take equity out of the home and change the amount of the mortgage) or just get a new...
Are you wanting to actually refinance (meaning take equity out of the home and change the amount of the mortgage) or just get a new mortgage (for the same amount) with a lower rate?
If you want to actually change the amount of your mortgage, then what Tweet said is correct.
If you are just looking to move your mortgage to a new lender in order to get a lower rate, I have many lenders who do not require an appraisal and who do not really look at the current loan-to-value of the property if it is already CMHC insured and is in good standing (not payments in arrears).
And when you say that houses are usually appraised for less than what they will sell for, do you mean the value that they are assessed for for your property taxes?
The purpose of an appraisal for a mortgage is to determine market value in that area, therefore, it should not be significantly less than what it would actually sell for.
I am a mortgage broker so fell free to PM me if you have any more questions.
-
Re: We just bought our 'forever' home!
So excited for you!!!! ...
So excited for you!!!!
-
Re: Post Wedding Chop? Yes or No? *Pics*
Looks great! I can't wait to see more pics when you style it yourself. Both straight and curly! ...
Looks great! I can't wait to see more pics when you style it yourself. Both straight and curly!
-
Re: A sad reminder...
What a happy, happy update. I am so glad you were able to go, both for your sake and for hers. ...
What a happy, happy update. I am so glad you were able to go, both for your sake and for hers.
-
Re: Landscaping
I also like our neighbours, and while I kinda care, it wouldn't change my choice of trees if I really wanted something in particular. Towering...
I also like our neighbours, and while I kinda care, it wouldn't change my choice of trees if I really wanted something in particular. Towering Poplar are a great choice for along fences. Ours have more than doubled in size in the last 4 years and give us a lot of privacy. The leaves may fall into the neighbours yards, but the branches don't grow over.
We have fruit trees elsewhere in the yard and other trees in the front yard.
-
Re: What to do with this hideousness?
I would bet that the reason it is "attached" to the upstairs landing is because it is some sort of a support beam and that...
I would bet that the reason it is "attached" to the upstairs landing is because it is some sort of a support beam and that they did that little rounded part to be fancy and try to make it look like it belongs there. I would have someone come in and look at it before you just decide to try to remove it yourselves.
I also think it would be worth it to close it in.
-
Re: Built in cabinet help
Pictures would totally help. ...
Pictures would totally help.
-
Re: Always wanted to know....
I voted other. I don't speak it, but I could . At least enough to get my point across. And I'm pretty comfortable reading it,...
I voted other. I don't speak it, but I could. At least enough to get my point across. And I'm pretty comfortable reading it, like if I open french instructions, I will read them and not bother finding the english ones unless it gets complicated.
I grew up in Ontario and started french in grade 3, took french immersion for half of grade 5 and then continued regular french class until grade 9. I certainly couldn't speak or write it grammatically correct or with the right tenses, but I could get by.
-
Re: If you hire an accountant to do your taxes
Hmmmmmm. I made less than $6000 one year with my incorporated company and had everything entered into Excel spreadsheets and the accounting firm still charged...
Hmmmmmm. I made less than $6000 one year with my incorporated company and had everything entered into Excel spreadsheets and the accounting firm still charged me $1300. I made around $20,000 another year, went with a private person and still pad more than everyone else has stated here. I wonder if the difference is where I live or the fact that I am incorporated?
-
Re: Door/window trim & mouldings throughout house
I say you can do it. We actually oak trim and doors all through the 1st and second floors of our house but when we...
I say you can do it. We actually oak trim and doors all through the 1st and second floors of our house but when we finished our basement we went with white trim and doors down there. There is a door that is always closed separating the basement from the main floor so it isn't obvious. I would bet that no one really even notices the difference unless they look for it. At least all of your trim will be the same colour!
-
Re: Best time to shop around for mortgage renewal?
Evil.Mena - You would have to pay a payout penalty to renew early, but it would be pretty low with only 2 months remaining in...
Evil.Mena - You would have to pay a payout penalty to renew early, but it would be pretty low with only 2 months remaining in your term by that time.
Hurry! Hurry! Some of my lenders have already raised their rates!
-