Our new Indie Games subforum is now open for business in G&T. Go and check it out, you might land a code for a free game. If you're developing an indie game and want to post about it, follow these directions
. If you don't, he'll break your legs! Hahaha! Seriously though.
Our rules have been updated and given their own forum
. Go and look at them! They are nice, and there may be new ones that you didn't know about! Hooray for rules! Hooray for The System! Hooray for Conforming!
Despite having had two mortgages in my life so far, I know almost nothing about them. They were handled by a mortgage broker with minimal involvement from myself - I provided pieces of paper and signatures when necessary, and that's it.
I have an appointment with my bank later this week (Scotiabank) to switch my mortgage to them - it is coming up for renewal in a few months. The mortgage is currently at CIBC. The amount left on my current mortgage is about $105k (the house value is likely around 200k these days, though when we got it, it was $135k). I'm looking at tacking an extra $12k on if possible, to pay off some line of credit/credit card debt from other banks, and do some house renos.
Theoretically they will help me find the best mortgage for me, but they also DO work for the bank - so really what I'm wondering if there's anything I need to watch out for or stay the hell away from (total equity plan - good idea or horrible? what about these two mortgages in one, where you pay a fixed rate on part and a variable rate on another part? jesus!).