FFFA! Debt, Assets, Math and Compare

It’s that time of the week again!

As we ease into the weekend lets do our regular end of the week news round up and open topic discussion thread, here are a few recent links to kick off the chat:

Inventory Graph update
Vancouver rent a bargain by comparison
Cognitive dissonance on debt
Everything higher than ever before
Running the numbers
DTES building crumbles

So what are you seeing out there? Post your news links, thoughts and anecdotes here and have an excellent weekend!

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ferragamo 財布 店舗

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@ Rent #94: I get phone and internet through Dolphintel. http://www.dolphintel.com

I’ve been with them for 4 years now, and I’m quite happy. Their uptime has been better than my previous experiences with Shaw/Telus. When there has been an issue, a real person picks up the phone.

Naked Official #9000

i am coming!


The HAM are coming!! The HAM are coming!! And they’re buying ENTIRE FLOORS of Toronto Condo buildings with CASH!!!!!

Well, that’s according to CBC The National, anyway….


Starts at about 15:10 into the broadcast. Enjoy!


Son of Ponzi

Skilled worker class?
Skilled at what?
Working at Tim Hortons and skilled at milking the system.


I second the vote for Novus if you can get it. Not only is it fast, I’m currently on a first year deal for $20 a month internet. Best deal going for the fastest internet around.

Also agree, go with professional property managers or rental companies. I would never go back to an amateur landlord after renting from somebody who makes it their business and understands their obligations.


@snake #96
Given that there are many details about RRSPs that could be peculiar to your friend’s case…and given that there are $25,000 involved,
I have to admit that your asking about that here is confusing to me. Why isn’t your friend asking one or all of the following professionals his RRSP question?:
– somebody at the financial institution where he took out the $25,000
– a federal government official that is well-versed in RRSP rules
– an accountant (yes, this costs money, but it would be worth it)
– or *even* the used house salesperson who was helping him(Okay, I’m stretching it with this one, but there’s a small chance they might know if they are one of the rare good ones)?


90: ” The politically correct in Canada want to deny the very existence of HAM ”

Maybe you could make your argument clearer by telling us what you mean by “politically correct” and “denying the existence of HAM”, and providing some examples.

Since I am a certified China-basher I know you’re not talking about me. 🙂



Thank you patriotz Says

i dont know what kind of form he used, i know he got the money of $25,000 from the rrsp because he was about to get a certified cheque for the amount of $25,000 guranted for selleres.The deal fell through when the home inspection came and found about a $50,000 repair need to be done on the unit


Novus is by far the best and fastest service in Vancouver. But you first have to make sure your building is on the Novus list. You can check at:



thanks for the info
I found a place thru a property management company
one more question I got is who has the best and cheapest phone,cable and high speed internet package and how long do they take to hook it up. Thanks in advance again you guys are very helpful.


Oooh, another builder in Edgemont is getting nervous:


The house sold originally in October 2012 for $1,100,000. The builder has already knocked it down and has drawings done and permits approved but wants to sell the lot (for $269,000 more than he paid 9 months ago). How much you want to bet that this is to cover his carrying cost, architectural cost, demolition cost, realtor costs, and a little return for him?

How much you want to bet that he ends up building a monster home and going bankrupt?

If you want to see a community in the process of destruction, take a drive through Edgemont.


“The people who are coming to Canada from PRC are a very skewed sample”

Most immigrants from China come under the skilled worker class iirc. The lambo driving Gucci wearing corrupt official/businessperson is a skewed sample of an already skewed sample.


That Dallas house is not an exception. It’s not a bargain, just common sense. Many pleasant cities in the US are flooded with similar houses without the star appeal that sell for even less.

No wonder US investors are shorting Canadian RE.
With foreign money bailing, with higher rates a certainty, and with the need to downsize by an ever aging population, Stupidity of this magnitude cannot end well.


Frank raises a really good point. Canada is actually making it easier for unethical business people in China to screw over their people in China. Canada is the escape safety valve for corrupt officials in China. That puts a whole different spin on the racism argument. The politically correct in Canada want to deny the very existence of HAM and when people try to talk about it, they are often called racist. But the truth is, if people actually had human compassion for the terrible abuses that are happening to people in China, then they wouldn’t want Canada to be the escape route for corrupt officials. When you think about it that way, the HAM-deniers/politically correct people are the racist ones. They are the ones whose position facilitates corruption and human rights abuses against vulnerable workers in China. This relates… Read more »


Our ‘Investor Category’ just allows rapacious parasites to screw their own people even more. This is how:

Imagine you are a slave-factory owner or a corrupt communist official on the take. If you have nowhere to escape to, you have to moderate your actions. However if you get (buy) yourself a Canadian passport and drop the wife and kids off here, you can screw away, because you have an escape route.

That’s what happens when the criteria for entry becomes money, regardless of how it was obtained.

Naked Official Returns


go ahead, be a man




“my friend got $25,000 out of his RRSP on planning to buy a home”

Just how did he do that? RRSP HBP withdrawls require filling out a T1036 which specifies the property that you are buying. You can’t make a HBP withdrawl just because you are “planning” to buy.

To withdraw funds from your RRSPs under the HBP, when you are buying or building a qualifying home for yourself or a related person with a disability, you must first have entered into a written agreement to buy or build a qualifying home. Obtaining a preapproved mortgage does not satisfy this condition.

IF the withdrawl was made using the T1036 and the deal falls though it’s possible to cancel the withdrawl and repay it.