I have a real distaste for being represented by a number.
And I have that Robin Hood streak that I mentioned in last month’s Scott McGillivray piece.
Grading, for example, is a practice that is almost singlehandedly responsible for the absence of risk-taking in our institutions of learning, and yet risk-taking is a crucial pre-requisite to learning. Argh! This makes me crazy.
Step on the scale? Never.
Let my age dictate my capabilities? Not going to happen. Keep that propaganda away from me....
I’ve had some shocking experiences over the past year which have led me to question why anyone would ever use a bank or credit union to finance a home purchase when using a mortgage broker is clearly a superior option.
Here’s the thing:
The bank rep works for the bank. Their job is to promote their employer’s mortgage “products”, of which there is probably only one – two at best – with one set of rigid qualifying rules. Because they are mandated to sell you this one product, bank reps are not requ...
Caveat Emptor is Latin for “Let the buyer beware.”
Before buyer agency became a thing in the late 90s, all real estate agents had legal obligations to sellers only.
Even when they were working for the buyer.
In the strictest interpretation of the law at the time, when a buyer made an offer at one price but told their agent they would go higher, that agent was legally obliged to disclose that tasty morsel of information to the listing agent.
You didn’t have to have integrity to realize that as...