Category

Case Studies
This Bankruptcy Could Lose Home to Power of Sale Dear Ross, I declared personal bankruptcy a year and a half ago, and I am still waiting for a discharge. After a few months I was told to attend a session at the Examiner’s office, and after that I was told my discharge had been opposed,...
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Buys a Strip Club, Gets Ripped Off By Boyfriend Dear Ross, I have worked in a busy gentleman’s club for three years as a bartender. Last year I began dating Sam the owner, and he suggested I put together the money to buy the club, as it was ‘printing money’. I was very intrigued. He...
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Semi detached for $580,000 in the suburbs I try to ignore the doomsayers who glee in predicting the imminent demise of our real estate market. And so far, I have been right, as home prices continue to climb “The Wall of Worry”, in spite of increasingly tougher lending guidelines. But at some point, a sanity...
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Rob Carrick is running an interesting discussion on his Facebook page today. He poses this question – “What would you advise someone buying a first home today about mortgages – lock in for five or 10 years, or go variable? Most people are going fixed, though a lot are also using combination mortgages, according to...
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Dear Ross: We live with our parents now after selling our own house two years ago. They are having difficulty making their mortgage payments (it’s a HELOC with a balance owing of $372,000), and we have all agreed Loras and I will assume some ownership of the house and formally help out with the mortgage....
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Two weeks ago I received an excited phone call from James, a forty something family doctor living in Richmond Hill with his wife, an ER nurse at a local hospital.  They had discovered a beautiful 7,900 square foot house in Vaughan, not long reduced in price from $3.5 million to $2.8 million. James and Rachel...
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In complete denial Jeff and Sarah seem to be living the middle class dream. A nice detached home in Richmond Hill, an SUV and a minivan in the driveway, and a precocious six year old who already attends a private school, costing around $15,000 per year. The garage only has room for one of the...
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