1. Buyers |  | What Are Chattels? The Last Six Weeks ~ A Great Time to Buy! Government Incentives for Home Buyers Illegal Basement Apartments Home Inspection Retail Sales Tax on Chattels Doctrine of Merger Do You Need Title Insurance? 15 Reasons to Buy Title Insurance Looking for Real Estate Advice ~ Consider a Realtor The Real Estate Procrastinator Multiple Offers The Phantom Offers The Bully Offer A Survey or Title Insurance Are Corner Lots Good Value Bidding Wars ~ The Successful Loser! Basement Apartments ~ A Tale of Two Cities Location, Location, Location The Right of Inspection 21 Tips to Help You Win Bidding Wars Lawyers and Bad Real Estate Advice Ten Agents or One ? Credit Restoration How to Pick a Good Area Bad Areas are Easy to Spot Beware of the Last Model Standing! Federal Aid for Home Buyers First Time Home Buyers' Tax credit Explained Want to Change the Use? 2. Sellers | | Licensed Agent on Duty The Two Spring Markets Price to Sell Home Staging Fix Up the Basement Take Some Pictures A Low Cost Approach to First Impressions Graduated Commisions Don't Sign the Standard Listing Be Cautious of a Due Diligence Clause! Appraisals and the Cost Approach The Rogue Home Inspector Commission Entitlement Don't Pay Double Commissions Joseph the Patron Saint of Real Estate Price, Price, Price Price Reduction Strategy The Ideal Buyer Over-listing and the Seller's Needs St. Joseph Retires from Real Estate Who's Who in the Open House Zoo Documents for the Purchaser When Do You Give Vacant Possession in Real Estate? Responsibility for the Missing Dishwasher Seller ~ Accept, Reject or Counter Offer The First Offer is the Best Offer Home Inspections and Risk Assumption Time for Closing ~ 5 o'clock or 6 o'clock? Double Check Measurements Noisy Neighbours ~ Do You have to Tell Seller's Indemnity under the Listing Agreement Noisy Sexual Proclivities ~ The Exception or the Rule 3. Home Owners | | Good Fences Make Good Neighbours Money Grows on Trees Clean Out Your Eavestrough Front Yard Landscaping Swimming Pools Construction Liens Install Hardwood Floors Open It Up Homeowner Convicted ~ Illegal Basement Apartment Perimeter Fencing Private Deed Restrictions Covenants, Conditions and Restrictions The Major Renovation ~ Does it Pay Home Renovation Tax Credit Explained Plant Your Own Weeds 4. Mortgages | | Interest Adjustment Date Debt Service Ratios Legal and Equitable Mortgages Foreclosure and Power of Sale Home Ownership ~ Genworth and Affordability Putting the Brakes on a Power of Sale 5. Condominiums | | Review Condo Certificate Condominiums From Ancient Rome Downtown Toronto Condos 6. Taxation | | Toronto Land Transfer Taxes Toronto Land Taxes: Should You Buy in Mississauga? Toronto Land Taxes: Entrance or Exit Tax? Provincial Land Transfer Tax Sales by Non-Residents 7. Insurance | | Fallen Trees Beware of Environmental Liability Insurance or No Insurance at all Flying Marble and Old Insurance Policies Fire Damage ~ Should the Tenant Pay Twice? Fire Damage ~ Buyer's Options 8. Financial Planning | | How would you like a Free Cottage in Muskoka? Thinking of Living Common Law? Joint Tenancy ~ A Poor man's Will Everyone Has a Will Still Paying Taxes After You're Dead! 10 Most Common Financial Pitfalls Your "Latte" Factor The 5 Financial Reasons for Owning a Home 9. Realtors | | Clarity Clauses, Agreements and Documents Unpaid Deposits Conditions and Escape Clauses Execution of the Spousal Consent Oklahoma Offer Realtor's warning Clauses Are You Related to Cousin Vinny Deposit Submission Eliminating Bidding Wars Deposits ~ More than One Listing Agreements and Future Interests The Myth of the Local Agent Three Agents ~ Who's the Bad Guy? Do You Need a Commercial Agent? Market Price and Market Value Objective Value and Subjective Value The ABC's of Value ~ the Principles 8 More Principles of Value Agents ~ New Rules for Compliance with FINTRAC FINTRAC ~ Identification of Individuals FINTRAC ~ Identification of Corporations Counting the Days for Cashing the Deposit No E mails Permitted Real Estate Agent Obligations ~ Charter of Rights Real Estate Business ~ Industry or Profession Apologies from Real Estate Agents Lawyers' Pet Peeve About Realtors Lawyers Who Kill Real Estate Deals Disclosure Issues for Realtors How Realtors Help ~ The Advertisement 9.1. Agency | | Agency Designated Agency Real Estate Agents ~ Statutory Duties Agency Loyalty Beware of Double Agents Buyers' Agency Dual Agents Real Estate Agents ~ Tricky Moves Dual Agency ~ Concerns and Issues Limited Dual Agency Designated Dual Agency Dual Agency ~ Supporters Dual Agency ~ The Opposition Dual Agency and Sub-Agency Unintended Dual Agency Dual Agency ~ Negotiator or Mediator Dual Agency and the Legal Profession Dual Agency and the Medical Profession Dual Agency Resolved Justification for Multiple Representation Real Estate Agents ~ Tricky Moves 10. Title Fraud and Identity Theft | | Title Fraud - The Problem Title Fraud - The History Title Fraud - An Interim Solution Title Fraud and Identity Theft How to Avoid Title Fraud Mortgage Fraud ~ Two Innocent Parties 11. Property Law | | The Definition of Common Law The Doctrine of Escheat Good Title and Better Title Land Titles and Conflicting Rules Documents Executed Under Seal How Much is a Comma Worth? Fee Simple Ownership ~ The History Finders Keepers Finders Weepers in Real Estate! Wicks and Harnett ~ A case about Mislaid, Misplaced Garbage Squatter Makes Millions Agreements Of and For Sale Tree Thieves The Statute of Frauds Still Exists Real Property and Real Estate St. Patrick Discovered Canada! Legal Non-Conforming Use Waterfront Property: Do You Own It? Air Rights Allodial Title as explained by Thomas Jefferson Protecting Buyers and Sellers from Leaky Basements Aliens' Real property Rights Do the Fish go with the House? Minors Buying Real Estate Mutual Driveways ~ Ownership, Use and Maintenance Possessory Title Explained Legal Issues Related to Improvements Leased Heating Equipment Ownership of Leasehold Improvements The Building is a Fixture Court Commentary on Chattels and Fixtures Schedule A Interpretation Counter Offer ~ Difficulties with Standard Form Irrevocable Clause ~ Improper Use Real Estate Contracts ~ Right of Assignment 12. Market Conditions | | The Spring 2006 Real Estate Market The Summer Market - 2006 Real Estate at 1995 Prices Comparing Two 25 year old Subdivision Homes What's in Store for the 2007 Real Estate Market? Commercial Real Estate Values in the GTA Waterfront Condos ORES Real Estate GTA Housing Index October 2007 Toronto Office Market 2008 What is happening in the Ontario Market for 2008? Effect of Gas Prices on Real Estate Values ORES Real Estate Index for February 2008 Toronto Real Estate Values March 2008 ORES Real Estate Index for March 2008 Toronto Real Estate ~ Performance Anxiety Real Estate Trends, Volumes and Prices (May 2008) ORES Real Estate Index for April 2008 Real Estate ~ The Calendar Cycle ORES Real Estate Index for May 2008 The May Numbers Tell the Story ORES Real Estate Index for June 2008 June 2008 ~ Where have all the Buyers Gone ORES Real Estate Index for August 2008 Sales off by 4% (August 2008) September 2008 ~ First Half Performance The Housing Crisis ~ September 2008 GTA First Half of October 2008 ORES Real Estate Index for October 2008 Toronto Commercial Market Thrives in October 2008 ORES Real Estate Index for November 2008 December Monthly Performance GTA Consumer Confidence Returning to Real Estate Market GTA February Market Up 5.14% GTA Mid March Market Up 1.16% ORES Real Estate Index for March 2009 The Auto Sector and Real Estate Values International Monetary Fund ~Worldwide Housing Bubble Time to Buy ~ May 2009 ORES Real Estate Index for April 2009 Toronto Housing Surges ahead of 2008 Toronto ~ Total Market Recovery 13. Cottages, Chalets and Recreational Properties | | Now is the Time to Buy a Cottage Transportation Drives the Market What about a Cottage? Trespassers should know Bumble Bee Law! 14. Investment Properties | | Real Estate for Entrepreneurs Don't Sell the Minivan by Mistake Thinking About a Restaurant? Rate of Return Analysis Condominium Conversion Discount Rates Explained EBITDA Real Estate with an Upside Multi Unit Apartment Buildings Retirement Homes ~ A Business Opportunity Real Estate Futures 15. Regulation of the Real Estate Industry | | Real Estate Council of Ontario ~ Discipline Role RECO ~ Multiple Offers and Real Estate Duties RECO Discipline: True Copy of Listing RECO Discipline: Grow House Disclosure RECO Discipline: Unpaid Deposits RECO Discipline: Sewage Systems Disclosure RECO Discipline: Zoning and Development Disclosure... RECO Discipline ~ Holdover Clauses and Agent Liability RECO Discipline ~ The Elusive Guaranteed Sale RECO Discipline ~ The End Run around the Listing Agent RECO Discipline ~ "Your House Sold or I'll Buy it" Real Estate Business ~ Industry or Profession? Phantom Offer ~ Agent Penalty $10,000 Real Estate Agent ~ Keeping Relatives Secret RECO Discipline ~ Agent Concealing Listing and Offer Theft by a Real Estate Agent Agent's Failure to Co-operate with Investigation Agent's Obligation to Protect the Public from Mortgage Fraud Air Conditioners For Everyone! Let's Monkey with Your Deal! No Deposit ~ Agent's Responsibility Rural Risks ~ Water and Sewage The Unprofessional Advertisement 16. Consumer Protection | | False and Misleading Statements Consumer Reporting Act Unfair Business Practices Real Estate Agent ~ Early Termination 16.1. Seller Property Information Statements | | SPIS ~ Sellers Property Information Statement 17. Residential and Commercial Tenancies | | Be Cautious if You are a Residential Landlord Getting Rid of Tenants for the Sale Negotiated Rental Increase Assignment or Assumption of Lease Who Signs the Lease Renewal Ignore the Landlord at your Own Risk Removal and Restoration Clause Avoid the Exit Tax Trap Negotiate it in the Offer As is Where Is ~ What's that? 18. Buying a Business | | Looking for a Good Location Restaurants and the Three Mice Theory The Role of a Business Broker 10 Steps to Buying a Successful Business 10 Steps to Starting a Successful Business 10 Steps to Successful Business Financing 10 Steps to Successful Advertising Ingredients For a Successful Business Maintaining Good Financial Books and Records Bulk Sales Act ~ Non-Compliance Compliance with the Bulk Sales Act Real Estate Exemption from Bulk Sales Act 19. Family Law | | Joined Together even after Divorce Matrimonial Home ~ Special Rights Matrimonial Home Designations Net Family Property Defined Equalization Payment Calculation Get Married and Get Half the House Seasonal Residences as Matrimonial Homes Keep the House ~ Get a Marriage Contract! Designating More than One Matrimonial Home 20. Estate Planning | | Joint Tenancy ~ Some Problems Joint Accounts ~ Supreme Court of Canada Joint Tenancy Declarations Who Signs for the Estate? Is a Holograph Will a Good Idea? Legal Documentation ~ Courts look for Intention Life Estates ~ Are they still Useful Survivorship Agreements Unjust Enrichment Demands Payment Joint Tenancy ~ Statutory Termination ADR for Estate Planning Life Estates ~ Resurgence in Popularity The Corporation as a Joint Tenant Creation and Alienation of Life Estates Creation and Termination of Joint Tenancy 21. Standard Forms ~ Explanation and Commentary | | Agreement of Purchase and Sale (TREB) Buyer Customer Service Agreement (TREB) Buyer Representation Agreement (TREB) Listing Agreement (TREB) Confirmation of Representation and Cooperation (TREB) Working with a Realtor (OREA) Working With a Realtor ~ Explained 22. Celebrity Real Estate and Interesting Properties | | Tiger Wood's Mansion in Hawaii Paul McCartney Succeeds in Divorce Court McCartney and Mills JUDGMENT (judicial reasons) |
