Gregoire

I'm going to try to push this with my finace, even it it means living at her sisters or mothers for a few weeks after closing. I think it is really good advice. Thanks

I've been told by my agent that the inspection will take at least 2 hours...in fact his direct quote was "have something to eat before because we might be there a while." I have worked with a few agents in the past, and trust my guy, not just because he is a good friend who I played football with, but also because he knows his stuff. I have heard some horror stories about agents and the way the treat clients, and I'm glad that is something I don't have to worry about. I have no doubt in my mind that if there were any problems with the house he would advise me to walk away from the deal.

Thanks for all the great advice guys. I really appreciate your input. Heading to do the home inspection today, and my real estate agent is paying for it as a gift. At least that is 400 bucks plus that I do not have to worry about. Just about the only advice thing I seem to be compramising on is giving up the boat. I'm pretty sure I can swing a fishing Kayak, which I'll be able to use in the Kawartha's and such. I'm hoping the fiscal restraint on my part and my guaranteed income increases will allow me to induldge in a few years....at least before we get a kid. From what I hear this is usually the deadline for when your disposable income disappears.

Sorry not a 3 car garage. It is a one car garage with 3 parking spots. As far as the boat goes, it is probably on the back burner unfortunately, but the mortgage shuold be manageable, so I plan on putting money aside from the sale of the condo and from the fact that my payments on the house will be lower now that I have someone to help with them. I know that I am taking a serious risk RE the potential for me to ever get a boat, but I'm hoping that my fiance will stick to her word on this one.

We already have a rental property. For us this is to live in. I do not go the RRSP route for a variety of reasons, mostly because I am in line for a large pension and feel that a TFSA is a better route. It was a personal choice based on the tax bracket I am likely to be in when I retire.

I've been shopping. So far the best I have is .9 below prime on an open variable. I doubt I'll get better than this. I have a few appointments in the next few days. I am pre approved for more than enough so I can wheel and deal a bit.

I did the financing alone to make sure that we are not overextended. If need be I could carry the cost of the home on my income, hopefully this will never be the case. The house has a garage. If the wife will let me this is where the boat will go. Until then I am planning on getting a kayak for the summer. Canadian tire has a decent one for a decent price.

Home inspection is tomorrow. Walking through with my real estate agent. And he's paying for it as a gift.

Never had that problem. How are you hooking them and what type of hooks and line are you using?

Planning on doing weekly payments. Also going to do some renos soon after buying. Not sure if they are going to be immediate or not, as the house is livable and I've been told that you should live in your house for a bit to decide what you want to do. That part about 2 grand a year for reno budget is great advice, especially since this is our first house and we will probably be upgrading in 5-10 years. Keeping the house up to date means that we won't have to upgrade it when selling.

I'm finally tacking the next step towards being an adult and buying a house with my fiance. For the past 5 years I have been living in a condo downtown, but realized that if we are going to start a family, and live together without driving each other we need more space. After unsuccessfully looking in the burbs ";we" decided (yes that is the executive we) that the commute to work would be too hard to manage. We decided on a place on the Danforth. It is a bungalow with 3 parking spots and a garage (for my future boat that I will not be able to afford any longer). The property needs a bit of work though, hopefully we can do a bunch ourselves and stick to a budget for the rest. Since this site is full of people with much more life experience than me, I'd like to ask if anyone has advice to pass along to me, in terms of what to expect with this move.

That is really interesting. I would be interested is seeing if this could be used with musky sized leaders. It would really protect any damage to guides.

I was wondering who would be the first to say that.

Those are some beauty trout. Thanks for sharing.

Cool pick, no idea what is is. Maybe scar tissue from a hook?

It's a nice reel. I like the fact that it comes with an extra spool and a spool designed to hold braid. I've only used the reel a few times, as I mostly use baitcasters. The reel is well built quality reel, especially for its price point, but it is a bit heavy. I believe Abu is phasing this reels out so there should be some good deals to be had on them.

You may be supported by the prime directive, but the force guides my fishing.

Nice video. Thanks for sharing

I believe bud is considered a high alcohol beer in the states.

Lay off on the smart stuff, I'm still on March break for another day.

I was out east today and noted high, murky water.

NIce report. Thanks for sharing.

I should have though of the google search. That does not surprise me in the least.

I'm not too sure about the whole scam statement. Suzuki is accepting donations to support a cause that he believes in. This article provides very little empirical evidence to contradict Suzuki's claims, one of the biggest being that farmed salmon contribute to the declining pacific salmon stocks. As far as comparing Atlantic to Pacific salmon I think the point is off. I would want toxin levels from fish in the same water bodies compared so that I can eat the fish with the least amount of toxins in it...but again this is not the major point. The facts is that we should be looking at are whether farmed salmon has a negative impact on wild salmon stock, something that this article does not even address. I would argue that the article is an opinion piece hidden as news story propagating a bias towards the fish farming industry. I would also argue with the statement made at the outset of the article that the US is the worlds largest seafood market as both China and Japan consume more seafood yearly. Having said all this I do think that as a culture we need to look at our consumption of seafood. We are draining the oceans of it's fish stocks rapidly. Farming may be part of the way that we could help restore fish stocks around the world, but fish need to be farmed in a way that considers the health of the ecosystem around them.

The only type of boat we'll have up there is a rented canoe. Needless to say there is only a slight chance that we will be heading out on Superior. I am guessing in the evening on a calm night at best. Whities would be nice, as I have never caught one.