Originally posted by Asher
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You don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
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Originally posted by Asher View PostMorrison had one lot left in the neighbourhood that could fit the house I wanted, and it was awful. It was a back-to-front lot with utility boxes in the front yard, and a steep hill in the back. And it was still $165K for the lot.
I will say its interesing to hear that a smaller crappy lot now still costs more than double our lot priceYou don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
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Sterling is one of the top builders also; one of my colleagues also built with them and had great things to say. They're virtually tied with Morrison in JD Powers, and some years outrank them."The issue is there are still many people out there that use religion as a crutch for bigotry and hate. Like Ben."
Ben Kenobi: "That means I'm doing something right. "
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Originally posted by Asher View PostSterling is one of the top builders also; one of my colleagues also built with them and had great things to say. They're virtually tied with Morrison in JD Powers, and some years outrank them.You don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
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Originally posted by Asher View PostIf you're serious, whenever it's built. We'll have a guest room, most Apolytoners would be welcome.
Or perhaps it will be me when Mrs Flubber gives me the boot sometime LOL---- nah -- I'd just find a hotel with good room serviceYou don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
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I'm currently in negotiations for a mortgage. I've got TD & ATB bidding against eachother. Each time they offer the lowest possible rate, they can come a bit lower when the other does.
I also got them to lock in my rate for 12 months."The issue is there are still many people out there that use religion as a crutch for bigotry and hate. Like Ben."
Ben Kenobi: "That means I'm doing something right. "
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Originally posted by Asher View PostI'm currently in negotiations for a mortgage. I've got TD & ATB bidding against eachother. Each time they offer the lowest possible rate, they can come a bit lower when the other does.
I also got them to lock in my rate for 12 months.
No matter what they offer, double check with a mortgage broker. They can access funds from anywhere. I used a broker last time out and got exactly the type of product I was seeking .
Bigger question . .. . are you looking at fixed or variable rates-- Since you mentioned locking in, I assume you are looking at a fixed rate. I have a variable but its convertible (and not at the crappy rate but at the same discount from their posted 5 year rate as was available when I signed up). The difference in interest I have paid is amazing but it does cause me to pay attention to interst rate announcements and hope our dollar stays strong and forestalls Canadian interest rate hikesYou don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
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I was going fixed since I can only see interest rates rising significantly from here on out."The issue is there are still many people out there that use religion as a crutch for bigotry and hate. Like Ben."
Ben Kenobi: "That means I'm doing something right. "
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Originally posted by Asher View PostI was going fixed since I can only see interest rates rising significantly from here on out.
are in the 2.2 to 2.85 range.
All I know is that they have done studies and the results for Canada was that in 36+ years of the last 40, the person taking the variable would come out as the winner when compared to the available 5 year rateYou don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
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Vaulted ceilings in the 2nd floor bonus room and/or master bedroom -- yay or nay?
Initial impressions: Would look nice, but would be more expensive to heat in the winter?"The issue is there are still many people out there that use religion as a crutch for bigotry and hate. Like Ben."
Ben Kenobi: "That means I'm doing something right. "
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Originally posted by Asher View PostVaulted ceilings in the 2nd floor bonus room and/or master bedroom -- yay or nay?
Initial impressions: Would look nice, but would be more expensive to heat in the winter?You don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
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At first glance, vaulted ceilings may be more expensive but if you have good insulation and air circulation (we have ceiling fans in each room) I dont think it'll be too much more money to heat (or cool in my case) and they are nicer IMO. OTOH, what do you care Mr moneybags.We need seperate human-only games for MP/PBEM that dont include the over-simplifications required to have a good AI
If any man be thirsty, let him come unto me and drink. Vampire 7:37
Just one old soldiers opinion. E Tenebris Lux. Pax quaeritur bello.
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Vaulted ceilings are fine in the south, but up north they put a real strain on heaters.“As a lifelong member of the Columbia Business School community, I adhere to the principles of truth, integrity, and respect. I will not lie, cheat, steal, or tolerate those who do.”
"Capitalism ho!"
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Deposit paid, millions of contracts signed.
January 2012.
I've got ~12 trade shops to visit to pick everything out now...granite, cupboards, colours, faucets, the whole nine yards...
Blueprints to be finalized and signed off on in 2-8 weeks. May be closer to 8 due to all of the tweaks we're doing."The issue is there are still many people out there that use religion as a crutch for bigotry and hate. Like Ben."
Ben Kenobi: "That means I'm doing something right. "
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For the record, I did opt for the vaulted ceilings in both the master bedroom & bonus room. They were far cheaper than I expected, and they are quite dramatic. It goes up to 13 feet high in the bonus room. Epic."The issue is there are still many people out there that use religion as a crutch for bigotry and hate. Like Ben."
Ben Kenobi: "That means I'm doing something right. "
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