#consumer proposal vancouver bc

[college-girl199328]

Vancouver’s civic election ended months ago, but a small Burnaby business owner says former Vancouver mayor Kennedy Stewart’s Forward Together campaign has failed to pay its bill and owes him thousands of dollars. “Sadly, a political party is just going to walk away and not pay small businesses like me,” Tim Malito told Consumer Matters.

Last summer, Malito says he delivered rental welcomed desks, chairs, and folding tables to Stewart’s Vancouver campaign headquarters. The owner of TownRent says he was thrilled to do the job since his business suffered during the height of the pandemic. “Trade shows and conferences all ended. We had to downsize our business and compact it a bit,” he said.

After Stewart lost the mayoral race to Ken Sim in October 2022, Malito says he sent Stewart’s campaign an invoice for $2,888.48.

“They said they would promise to have a cheque for us within 30 days,” said Malito.

However, Malito says after 30 days, there was no sign of the funds owing. Malito says he was patient and even gave the campaign a 30-day extension. “I’m thinking maybe they are backed up on paperwork, maybe they’ve got accounting and are trying to reconcile things take a little bit longer,” he said. Despite that extension, Malito says the bill remains unpaid with Stewart’s campaign manager Neil Monckton, who told Malito they were still sorting out their finances.

In February 2023, Malito says he received a “debt management” proposal from Monckton. It stated that “the proposal Forward Together makes three payments in 2023 amounting to 10 percent of the total for the outstanding invoices for work pre-Oct.15, you are owed.”

The memo goes on to state: “If Forward Together finds that its revenue picture has improved sufficiently for this year –as the result of our traditional fundraising work or the new line of goods and services that are in development –we will make every attempt to exceed the 10 percent payment to your company in 2023.”

“To come up with a minuscule amount for almost a year – is odd,” said Malito in response to Monckton’s proposal. Consumer Matters harbored out to Monckton and Stewart requesting why Malito hasn’t been paid in full and why Forward Together materializes to stand accepting donations currently on its website. Global News did not get a response from either.

According to an Elections BC campaign financing summary, Forward Together with Kennedy Stewart reported just over $618,081.90 in income and $1,092,573.73 in total expenses during the last civic election. Malito has owned his business for over 13 years and says he’s provided his services for years to various political parties during elections but voices that he’s never been treated this way.

[genx3791]

Here are 51 reasons why Alberta & Saskatchewan would enjoy better lives as citizens of a U.S. state. 

1. No more French language

Say goodbye to French on signs, products, government documents. No more French taught in schools. No more being greeted in French when you speak to customer service.

2. Free to travel to sunny states for as long as you want

Want to live in Florida, Arizona, or Maui for a while without raising eyebrows with U.S. border patrol or risk being double-taxed by IRS & CRA?

3. 2nd Amendment rights

The right to bear arms is an inalienable right ingrained in the U.S. Constitution, which can't be taken away. In Constitutional Carry states, you can even carry a concealed firearm without permits or red tape. In Canada, you will just have to watch your family get mowed down by bad guys.

4. Donald Trump

You get the ultimate leader of the people, a non-stop machine who works for you 20hrs a day instead of Trudeau who uses you to fund his vacation.  You get an alpha male leader you can be proud of & truely loves his country instead of a sissy.

5. Protection from US military

You get the full protection of the Pentagon and its 1.3 million active duty personnel.

6. Safety of US dollar

You'll be earning US dollars which are the world's stable, standard currency and a safe haven of investment.

7. 1st Amendment

The right to free speech is ingrained in the U.S. Constitution. You are free to speak your mind without being fined or jailed for offending people.

8. Benefit from economies of scale

320 million people create a lot more buying power than 35 million. That's why prices of consumer goods and services tend to be better in the U.S. That's also why the U.S. has better infrastructure.

9. Better postal service

USPS is thriving in the digital age while Canada Post is cutting services to stay afloat. Order something cross country and USPS has it to you in 3 days or less at a fraction of the cost of Canada Post.

10. More banking options

You get a multitude of banking options rather than being stuck with Canada's banking oligopoly.

11. More phone & cable plan options

You get more choice of carriers and greater coverage in the States. Plans are usually cheaper as well.

12. More electronics, lower prices

There is so much more competition in the home electronics/appliances industries that it keeps prices lower in the U.S. than in Canada.

13. Cheaper car insurance

Car insurance tends to be about 40-50% lower in the U.S. than in Canada. Again, it's probably due to a larger economy of scale.

14. More famous restaurant franchises

You favorite U.S. restaurant chains will be more eager to operate north of the 49th when they're not faced with Canada's over-regulation of food, language and labor.

15. More affordable air transportation

How come you can fly from Phoenix to Las Vegas for $50 but flying from Calgary to Vancouver (same distance) is $200? 

16. Better quality groceries, more choice

While Canada only has two big grocery companies that control 90% of the market, the U.S. has a multitude of options. With greater competition comes better quality and more options.  Also, many great food companies in the U.S. won't export to Canada because of the cost of complying with Canada's food and labelling regulations.

17. Don’t pay duties for online shopping

Let's face it, all the good stuff online is shipped from the States. Then it gets dinged for up to 35% by Canada Customs when it comes in. This won't happen when Alberta is a U.S. state.

18. Won’t get made uncompetitive by Carbon Tax

Canada's obsession with climate change has mandated a carbon tax that is about to render its industrial output unable to compete with countries that haven't fallen for this hoax.

19. Won’t get made uncompetitive by new US import taxes

Trump is going to play hardball on trade. When he has leverage, he will use it to the advantage of the USA. He will start making Canada pay for the protection it gets from Uncle Sam, and if Canada won't pay, he'll make it up on increased tariffs.

20. Tougher justice system

The prime minister of Canada doesn't even think terrorists should lose their citizenship. Canada is a very liberal country that is soft on criminals in hopes that they can be rehabilitated. Meanwhile, very bad people are walking our streets.

21. Fewer refugees

Trump is proposing a total, temporary pause on refugees coming into the US until they figure out a way to vet them properly. Canada is simply an open borders country that will invite in as many refugees as it can to prove a point about how liberal it is.

22. Melting Pot, not Salad Bowl

The United States with its melting pot culture encourages immigrants to assimilate into English-speaking American culture. Canada encourages immigrants to maintain the cultural identities and customs of the home countries. This creates a lot of tension and a lack of shared identity in Canadian society.

23. Military industrial complex creates jobs

There is no arguing with the fact that the U.S. military industrial complex, with its world-leading innovation and massive productive capacity generates a tremendous amount of jobs and economic output. Canada's is nearly non-existent by comparison.

24. More diverse economy than Canada’s oil & health

Canada has put all its eggs in the oil and health care industries. This lack of diversity is very risky, as witnessed after the fall of oil prices. All the brightest minds in Canada who aren't working in oil or health move to the States to work in other industries.

25. Get to vote for President, not just watch

No longer will Albertans have to just sit on the sidelines and watch Americans elect the leader of the Free World.

26. Get a national culture & identity (vs “post-national”)

Americans have a strong sense of shared identity, cultural practices and values. Canada's leaders have declared it a "post-national" country, having no single shared identity. This encourages Canadians to stay in their ethnic cliques rather than work together like Americans do.

27. America first vs. globalism

Alberta will become part of America; a country now lead by those who put American priorities ahead of matters abroad. Canada is becoming the last bastion of globalism and makes domestic matters take a back seat to "virtuous" acts of saving people in faraway lands.

28. U.S. conservative values align with Alberta's

Canada's political spectrum is sharply to the left of the United States. The Conservative Party of Canada would be to the left of the Democrats if it was part of the U.S. Alberta keeps voting conservative which means it belongs in a more right-oriented political system like the U.S.

29. No more monarchy

Americans had the balls to evict the Crown 240 years ago, while Canada is still appeasing the Royals.

30. Access to better quality health care

You probably know at least five people who have had to go the the U.S. for serious health procedures. Most affluent Canadians go to the States for procedures. Why would any good doctors want to work in Canada's socialist health care system, when they can live in the States, make more money and work with the best technology?

31. Shorter wait times for operations

No more waiting days in a hospital corridor to get your rupturing appendix removed!

32. Might get an NFL franchise

Sure, you love your CFL teams, but wouldn't it be more exciting if your local franchise was NFL?

33. Help MAGA

You get to apply your energy to making America great again, instead of being trapped in a socialist country where your blood, sweat, and tears (and tax dollars) go to a leftist government that makes terrible decisions which work against you.

34. Be proud of your country again

There has never been a better time to be American. Those who support MAGA are walking with pride as their country is rebuilt, while Albertans walk with hunched shoulders, not proud of the country that mocks and exploits it.

35. Don’t have to feel second class around Americans anymore

You will be a first class, American citizen rather than being teased about being from wimpy Canada, eh?

36. Earning $USD, you can go to BC and shop/vacation in CAD pesos

When Alberta becomes part of the U.S. and Albertans are earning $USD, they will be able to go to BC for cheap cross-border shopping and holidays because the $CAD will be worth less than $0.50 $USD.

37. Elected Senate

You'll get to elect your senators rather than having them appointed by the elites.

38. State that treats you like grown up, not a nanny

Albertans are freedom-loving people. Why should they be over-regulated and talked down to by a government that thinks it knows what's best for its people and treats them like babies? The American society treats you like a grown up by default.

39. No more CBC

No more of your tax dollars going to support the government-backed Canadian Brainwashing Corporation.

40. No more forced CanCon

You will no longer be forced to ingest watered down versions of Netflix, Pandora, iTunes or having to listen to Nickelback, Bieber, or Alanis 50% of the time by law. No more government-funded shows like Little Mosque on the Prairie.

41. No more draining equalization payments

Less of your hard-earned dollars will go to buying beer and cigarettes for unemployed Quebecers.

42. No more government in absentia

The ruling government in Ottawa currently only has 4 MPs from Alberta. Alberta voted conservative and now has almost zero representation in government. This is complete political alienation.

43. Lower corporate tax better for small business

Trump is proposing dropping corporate tax to 10-15%. This will give American small business a major boost and Canada's small businesses will be unable to compete.

44. No longer lagging 8 years behind the US

Isn't it frustrating to have to repeat the same historical mistakes as the U.S., 8 years later? Canada elected its Obama (Trudeau) just on the eve of America rejecting him.

45. Lower gas tax

Gas taxes are lower in the U.S.

46. Lower liquor tax

Liquor is taxed at a lower rate in the U.S., too. Why pay more tax if you don't have to?

47. Won’t be trapped in Canada by a plunging Loonie

When America steps up their economic & trade games to a whole new level, the Loonie is going to be driven down by so much money flowing from Canada to the U.S. This will hurt Canadians' ability to buy vacations, real estate and consumer goods from the US. 

48. Your children will have more job opportunities

America's economic diversity, military industrial complex, and world-leading innovation provide orders of magnitude more opportunity than Canada's narrow oil & health focus. By the time your children are old enough to join the workforce, Trump will have made America even stronger with even more opportunities, which will dwarf Canada. With Alberta part of the U.S., your children won't have to leave to get jobs.

49. Your children will have more education options

As U.S. citizens, your children will benefit from having the choice of hundreds of great American colleges and universities where they can make great connections with the leaders of tomorrow, rather than being marginalized nobodies who graduated from some unknown Canadian school.

50. Cheaper to heat your home with no CO2 tax

No more having to choose between heating vs. eating in the frigid winter months.

51. Never be ruled by another Trudeau!

Nothing needs to be said about this one.

Feel free to copy n paste, I did.

[alliancevictoria-blog]

The Best Realtor: Remax Alliance Victoria

This realtor company prevails to help their agents to achieve their full potential as real estate professionals, live successful, fulfilling and abundant lives and support our community.  They aspire to provide world-class service to clients, with highly proficient staff and support systems; have the best trained and most successful agents in the marketplace; being the most productive brokerage in the market; and, collectively give back to their community, contributing to making the world a better place.

 Whether considering buying or selling residential or commercial real estate in Greater Victoria and Southern Vancouver Island or curious about a career in real estate, you’ve come to the right place! Remax Vancouver and their agents welcome the opportunity to offer their assistance.

 Making an offer

 Put yourself in the seller's shoes and imagine how they will react to everything you’re about to put in your offer.  Oral promises are not legally enforceable when it comes to the sale of real estate. Please be sure you have communicated everything you want in the offer to your real estate Victoria BC.

 Price

Have your real estate agent do a comparable demand examination for you. That will indicate you the reasonable need importance of the equity. The following factors could affect your offer price:

 Property condition

●     New home improvements

●     Market conditions

●     Seller’s motivation

●     Numerous Proposals – anticipate paying more if there are multiple bidders on a property

 Deposit Money

You will be boarding some cash to exhibit the seller you are honest about obtaining his home. Your Realtor can give you guidelines for how much this should be.

 Financing Contingency

You will probably need to get a mortgage. Even if you have been pre-approved, the lender will still need time to have the appraisal done, etc. Your Realtor can advise you as to how much time you need.

 Home Inspection

Don’t skip this, whether it’s because you think you can check out the house yourself or you want to save the money a professional inspector charges – it’s money well spent in the long run. But remember, no home is perfect, and small maintenance-type things found by the home inspector should not be part of any renegotiations with the seller. And don’t miss your ultimate walk-through only because you had a home assessment.

 Disclosures

Be confident you obtained all the reasonable seller acknowledgements. Sellers may have finalised a Seller Property Information Statement. Have the Victoria real estate board request a copy for your review. Also, substance deficiencies must be divulged if known by the broker. Look over these statements carefully – the laws that regulate them threshold your alternative once you’ve approved them.

 Multiple Offers

It doesn’t possess to be a ‘hot’ need for a dealer to have the amenity of selecting between multiple bids on their equity. If you find yourself in a multiple offer situation don’t panic and don’t withdraw your MLS Victoria's offer – you may be the highest bidder and won’t even know it if you pull out. Go through a minimum session of negotiations before you agree to revoke. Have a price in your mind of where you want to go and stay in the game until that price has been reached. Too many buyers lose the property by pulling out too soon. Have a worth in your mind of wherever you would like to travel and keep within the game till that worth has been reached. Also, several consumers lose the property by pulling out early on. Having a well-seasoned factor conversant in the method will be instrumental in Multiple Offers. Taking the time to rent the correct factor can realise you an element with a decent name among their colleagues and peers; this too can aid in your efforts to achieve property within the event of Multiple offers.

 A journey from offering to closing

 Once your supply has been conferred to the vendor, the negotiating method begins. There are doubtless to be varied counter-offers going back and forth between you and also the merchandiser. There are several essential things to remember:

 ●     Your supply is simply that – a proposal – till it's been accepted and in agreement to buy each you and also the merchandiser. At any time throughout the negotiating method, another supply might are available and cause you to be in multiple offers – or worse – lose the house thoroughly. A wise customer can attempt to} return to an agreement with the vendor during a moderately short amount.

●     If your contract entails home scrutiny and a finance condition, please opt for each of those as quickly as attainable and let your agent grasp who they're. Your service suppliers have a restricted quantity of your time to guard your interests.

●     Be sure to fits all requests of your investor when the loan application has been created. Not manufacturing the documents or info they have will menace you are obtaining your mortgage on time.

●     Generally, the customer accompanies the house inspector at the scrutiny. Please permit a minimum of a pair of to three hours for a mean review. longer is also necessary for an oversized home.

●     Your factor can act as an arranger for all activities from this time and can keep everybody within the loop as so much as what's happening. The lender, home inspector, each attorney, the different factors, the title company can all be playacting necessary duties throughout now.

●     If necessary, your factor can work beside the cooperating element to barter any repairs that were noted throughout the housing scrutiny. Remember, regular maintenance things aren't the kind of issue that ought to be stressed and organised. The housing investigation aims to avoid shopping for a home with vital structural deficiencies.

●     Your walkthrough is scheduled as per your sales contract. Your factor can schedule this with you, the vendor and also the listing agent. It ought to happen simply before the closing.

If all of this sounds a touch overwhelming – don’t worry – you’re in smart hands. Your factor has been through this repeatedly and can be there for you throughout the whole method. Relax and luxuriate in the expertise.

 About RE/MAX

What began in Denver, Colo. in 1973 as “a pad of paper and a dream” is now a global real estate franchise network that spreads across 39 countries and eight territories, on six continents.

RE/MAX is the No. 1 real estate organization in Canada and in the United States.

[credit720britishcolumbia]

Effective Strategies to Reduce Financial Stress for Business Owners

Empower yourself with strategies to overcome financial stress as a business owner. Build a solid foundation for financial success & well-being

[yesdanielblisslove]

What You Get From Online Pharmacies

Drug consumers currently have 2 selections in purchasing their wellness therapies. The traditional and customary ways is purchasing from traditional medicine pharmacies. These pharmacies not only involve spending for the medications yet additionally for the taking a trip costs. Individuals on a tight budget can opt for less expensive expenses supplied in on the internet drug shops. The Internet based pharmacies are suitable for people] needing upkeep therapy or those that reside in far away locations. Internet pharmacies additionally provide low-cost mass discounts. Large family members can profit as well as buy at large orders from these Internet drug stores. Relevance of Prescribed Notes Like neighborhood pharmacies, the medications you buy need to be accepted by a doctor prescription guarantees your wellness and also future well being. Without the prescribed note, the pharmacy will not deliver your order. The unreliable online drugs don't require a proposed note. With a physician's guidance, you can know better the medication's chemical reactions as well as ask for a specific brand name from the drug store. If your state can be remedied using a generic choice, most on-line drug stores supply lower prices for common medicines. Unlike offline medicine stores that can lack supply, the on the internet drug stores will certainly have them readily offered. The pharmacy site additionally allows you to check out all their used medicines. You do not need to encounter a long line simply to ask a sales person if they have your medicine. Selecting the Web Pharmaceutical When restricting your web pharmaceutical choices, opt for the ones with a wide range of medicines. The leading medicine shops categorize their materials based upon their feature. A thorough drug store website includes weight decrease medications, pain killers, allergic reaction medicines, and so forth. In addition to the supply listing, the on-line drug shop need to post their certificate. They need to have approval from the FDA and also a state drug store license. Without these approvals, the medications aren't being watched over and also reconsidered for apt processing. Review sites are additionally obtainable for your reference. These internet sites come from testaments of actual consumers. One more useful source are online forums of on-line pharmacy customers. Verification Indicators of the Pharmacy Check the site also for an existing workplace address and get in touch with number. Call the number to see if a business representative solutions. Check out the web for the street address and check if it is a genuine place. If you gain missing results, clearly it is a phony business. The drug shop need to constantly ensure that the details you transmit are maintained exclusive. Keep an eye out for a lock trick or check out the lawful terms to recognize where your charge card or payment info is going. Your e-mail needs to additionally be confidential due to the fact that you will end up with spam about Viagra or rip-off diet medicines. check over here canada cloud pharmacy Business Address: 4918 Victoria Dr, Vancouver, BC V5P 3T6, Canada Phone: 1 800-901-0041

[joroanblog]

What You Get From Online Pharmacies

Drug consumers currently have 2 selections in purchasing their wellness therapies. The traditional and customary ways is purchasing from traditional medicine pharmacies. These pharmacies not only involve spending for the medications yet additionally for the taking a trip costs. Individuals on a tight budget can opt for less expensive expenses supplied in on the internet drug shops. The Internet based pharmacies are suitable for people] needing upkeep therapy or those that reside in far away locations. Internet pharmacies additionally provide low-cost mass discounts. Large family members can profit as well as buy at large orders from these Internet drug stores. Relevance of Prescribed Notes Like neighborhood pharmacies, the medications you buy need to be accepted by a doctor prescription guarantees your wellness and also future well being. Without the prescribed note, the pharmacy will not deliver your order. The unreliable online drugs don't require a proposed note. With a physician's guidance, you can know better the medication's chemical reactions as well as ask for a specific brand name from the drug store. If your state can be remedied using a generic choice, most on-line drug stores supply lower prices for common medicines. Unlike offline medicine stores that can lack supply, the on the internet drug stores will certainly have them readily offered. The pharmacy site additionally allows you to check out all their used medicines. You do not need to encounter a long line simply to ask a sales person if they have your medicine. Selecting the Web Pharmaceutical When restricting your web pharmaceutical choices, opt for the ones with a wide range of medicines. The leading medicine shops categorize their materials based upon their feature. A thorough drug store website includes weight decrease medications, pain killers, allergic reaction medicines, and so forth. In addition to the supply listing, the on-line drug shop need to post their certificate. They need to have approval from the FDA and also a state drug store license. Without these approvals, the medications aren't being watched over and also reconsidered for apt processing. Review sites are additionally obtainable for your reference. These internet sites come from testaments of actual consumers. One more useful source are online forums of on-line pharmacy customers. Verification Indicators of the Pharmacy Check the site also for an existing workplace address and get in touch with number. Call the number to see if a business representative solutions. Check out the web for the street address and check if it is a genuine place. If you gain missing results, clearly it is a phony business. The drug shop need to constantly ensure that the details you transmit are maintained exclusive. Keep an eye out for a lock trick or check out the lawful terms to recognize where your charge card or payment info is going. Your e-mail needs to additionally be confidential due to the fact that you will end up with spam about Viagra or rip-off diet medicines. weblink canada cloud pharmacy Business Address: 4918 Victoria Dr, Vancouver, BC V5P 3T6, Canada Phone: 1 800-901-0041    

[willamettevalleyhypnosis]

BSCC Awards & Recognition – Helping Canadians Become Debt Free – Video Review - Willamette Valley Hypnosis

BSCC Awards & Recognition – Helping Canadians Become Debt Free- Recent interview series, Part 10, where Avineet Kalsey tells us how they have been able to help thousands of Canadians reduce and eliminate their debt and the rewards and satisfaction that they have experienced as a result of doing so.

Debt reduction is front and center on many Canadians’ minds right now with soaring household debt levels – it doesn’t have to be this way – call our experienced credit counselors such as Avineet Kalsey right now. You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!

or Visit:

Business Solutions & Credit Counselling Services

Surrey/Vancouver office: 12033 92A Ave #205 Surrey, BC V3V 4B8 Tel: 604-951-8984 https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kjLPMNEqwaxo

Toronto Office: #43 – 8500 Torbram Road Brampton, ON L6T 5C6 Tel: 905-789-8984 https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kfJ5qQURWhEs

Calgary Office: #210-3132 26 Street NE Calgary, Alberta T1Y 6Z1 Tel: 403-714-8984

Edmonton Office: Tel: 780-716-8984

Abbotsford Office: #1A – 2497 Clearbrook Road Abbotsford, BC V2T 2Y3 Tel: 604-951-8984 or Nationwide call: 1-866-790-8984

http://www.bscc.ca/ https://plus.google.com/u/0/100755473303544230759/about

Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.

Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!

For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.

For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.

Become our fan on Facebook: https://www.facebook.com/CreditAndFinancialCounselling

Follow us on Twitter:

Tweets by AKalseyBSCC

Check out our Pinterest Boards:

Follow us on Instagram: http://instagram.com/creditcounselingbscc

Join us on YouTube: https://www.youtube.com/user/acreditcounseling

Our Recent Videos:

Find Us In The News: http://newswire.net/newsroom/pr/00091402-creditcounselingtoronto.html http://newswire.net/newsroom/pr/00091904-debtreliefintoronto.html

Social News Views YouTube Channel: https://www.youtube.com/channel/UC7t_KtyfNYMNCQ0CyfdG2DQ

Video Review on: https://youtu.be/lzNP0wXminc

Bill Fournier ~ Willamette Valley Hypnosis, LLC. 620 VanBuren St. Suite D ~ Corvallis, Or 97068 Call for Appointment at (541) 714-3409 Visit http://willamettevalleyhypnosis.com/ Hypnotist in Willamette Valley specializing in alleviating chronic pain, stress and phobias to improve your quality of life through the use of hypnosis.

Read More... https://willamettevalleyhypnosis.wordpress.com/2019/03/07/bscc-awards-recognition-helping-canadians-become-debt-free-video-review/ Bill Fournier ~ Willamette Valley Hypnosis, LLC. 620 VanBuren St. Suite D ~ Corvallis, Or 97068 Call for Appointment at (541) 714-3409 Visit http://willamettevalleyhypnosis.com/ Hypnotist in Willamette Valley specializing in alleviating chronic pain, stress and phobias to improve your quality of life through the use of hypnosis.

[growlegalweed-blog]

Legal Weed Resources

Check out... https://legalweed.gq/420/orca-oregon-retailers-of-cannabis-association-latest-newsletter-outlines-all-the-latest-in-the-states-legislature-with-regard-to-cannabis-legislation-regulation/

ORCA (Oregon Retailers of Cannabis Association) Latest Newsletter outlines all the latest in the state’s legislature with regard to cannabis legislation & regulation

ORCA’s major focus (as we have noted) is on passing bills for:

Automatic expungement of cannabis convictions

Legal cannabis export

Fixing social consumption

Ending employment discrimination for off-hours cannabis use

Tackling unnecessary and expensive regulatory burdens relating to manifests, transportation, delivery, storage, and B2B sampling. 

1) Automatic Expunctions For Past Cannabis Offenses

Bill Number: SB 420

Description: Automatically removes past cannabis convictions and offenses from records without requiring manual expunction procedure. 

Our proposal would change the current system of expungement through an application system to a system that automatically reviews and expunges the appropriate past cannabis convictions from peoples’ records without a need for an application. This is similar to the new expungement law in California and elsewhere, and what folks are fighting for in Canada.  This is important because the application process is expensive, time-consuming, and circuitous. As a result, many have not taken advantage of the opportunity.  This bill would help many more people.

The concept for this bill has been wildly popular this session, and we’ve really seen a sea change in the way lawmakers view past cannabis arrests – most reiterate our position that prohibition was wrong.  As such, we’re optimistic about this bill’s chances of passing this year.

2) Exporting Surplus Cannabis Out-Of-State

Bill Number: SB 582

Description: Permits the Governor to enter into inter-governmental agreements with other governments to export cannabis out-of-state

Our meetings with legislators have been very successful, and most understand that the current system of illicit market production we have is unsustainable. There is general agreement that we need to create a legal pathway for that cannabis to leave the state – and in so doing, we can create tens of thousands of living-wage jobs and add innumerable dollars to our state’s coffers for education and other services.

3) Social Consumption/ Cannabis Lounges / Tasting Rooms

Bill Number: SB 639

Description: Creates exemption in the Clean Indoor Air Act to allow for limited licensing of indoor consumption spaces specifically for cannabis.

There have been significant strides on this issue since 2017 when it was first discussed in the legislature, though it’s unclear if we have the necessary political capital to make this massive change this year. Several opponents consider any legislation that alters the Clean Indoor Air Act in any way as a total non-starter.  Others – like us – say we MUST create those exemptions in order to move forward on this issue.  

We are working with a strong group of advocates under the umbrella of the New Revenue Coalition to work on the next steps of turning this concept into law. If you are interested in providing testimony in support of this bill, please consider joining us at a hearing on February 28 in Salem, and attend our Monthly Member Meeting on February 25. 

4) Employment Protections for Off-Hours Cannabis Use

Bill Number: SB 2655

Description: Prohibits employers from not hiring or firing a candidate/employee for off-hours cannabis consumption.

A version of this bill was introduced to the Senate Judiciary Committee in 2017 as SB 301.  We are spearheading the conversations this year with lawmakers and have gotten this concept reintroduced for 2019. 

If Vancouver BC cops can consume cannabis safely during their off hours without fear of losing their job and their livelihood, then we think the average worker in Oregon should be allowed to as well.

5) Prohibits medical cannabis consumers from being denied organ transplants based on having cannabis in their system

Bill Number: SB 2687

Description: Prohibits folks consuming medical cannabis with the recommendation of a doctor from being denied entry or participation in programs where they would be the recipient of a donated organ.

This one is literally life and death for some people, and it was a matter of life and death for several long-time advocates and activist buddies who are no longer with us – people like Jim Klahr and Jim Greig.  No one should be denied life-saving treatment because they chose to consume cannabis.  There has been significant pushback from a few medical providers, and we are looking for testimony in support. If you have a story to share please contact Miranda. 

6) LIGHTNING ROUND, Technical Fixes 

Bill Number: SB218 

OLCC may cap licenses based on market demand.

Bill Number: SB365

Prohibits local governments from imposing system development charge on projects related to production, processing or retailing of marijuana items. 

Bill Number: SB382

Removes 20 pound limit for medical transfer into the CTS system

Bill Number: SB585

Establishes a Responsible Cannabis Retailers Program.

For more information about specific bills – including where it’s located, when it’s scheduled for a hearing or work session, or who’s currently listed as a sponsor – please click the Bill Number for a link to that bill’s OLIS page.

[OLIS is the Oregon Legislative Information System is extremely helpful for tracking bills.  Our staff uses it all the time – and you should, too!]

You can find more information and talking points on our Legislative Priorities page. 

OLCC licensing news – As of February 20 Oregon has 2000 active licenses an increase of 73 licenses since mid-September. 

  OLCC Issues Supply & Demand Report to Legislature

The OLCC this week issued a thorough report highlighting some of what the agency has learned regarding cannabis production in Oregon’s legal recreational system over the last few years. What it found was a state that grows far more recreational cannabis than it can consume domestically.

The report – more than forty pages, all told – details how much cannabis current producers have already grown, as well as how much the agency estimates will be produced based on the current number of producer license applicants who have not yet been approved or begun operating.

[The full report can be read online here.]

[mikemortgage]

Gwyn Morgan: The Liberals’ pipeline plan is for more hopeless consultations and useless studies

For the second time in two years, three judges with the Federal Court of Appeal struck down a crucially important oil export pipeline project that had undergone years of regulatory review, a decision that Ottawa now says it refuses to appeal.

The Harper government’s approval of Northern Gateway was struck down in 2016 after Enbridge spent half-a-billion dollars on a massive six-year review and Aboriginal consultation process. Now the Trans Mountain expansion, approved after a billion-dollar expenditure by Kinder Morgan, and since purchased by the federal government, has met the same fate.

It’s bad enough that a private company can’t get a fully approved infrastructure project done, but can you think of any other country in the world where three judges can overrule the ability of a national government to exercise its constitutional right to build its own project? And, in both cases, those judges based their decision on dubious conclusions that veer from objective legal analysis into nuanced opinions seemingly designed to justify their preconceived biases.

At the heart of both decisions, the panel concluded that the government’s consultations with First Nations had been “inadequate.” Yet here is a summary of some of the consultations that took place prior to the approval of the Trans Mountain expansion by the federal government:

During the period from project announcement in May 2012 until commencement of the National Energy Board (NEB) hearing in December 2013, Kinder Morgan engaged with some 130 Indigenous communities.

During the hearing, the company responded to seven rounds of information requests including 400 from the NEB and 17,000 from intervenors.

131 Indigenous groups participated in the main hearing process and there was a separate oral hearing of traditional Aboriginal evidence along with an oral argument about the project impact.

In May 2016, four years after project announcement, the NEB sent the project to the Governor-in-Council. Citing a duty to “deepen” consultation, the government then proceeded with a direct consultation process including several cabinet ministers and involving 117 Indigenous communities.

The government shared its assessments of Indigenous claims with affected communities and compiled a Crown Consultation Report that provided a summary of each group’s concerns and proposals for accommodation.

Finally, a Ministerial Panel Report was prepared, and the prime minister announced his government’s approval of the project. The NEB issued its certificate of Public Convenience and Necessity on Dec. 1, 2016.

The panel that struck-down the Trans Mountain approval acknowledged that consultations had been extensive but decided that the government had not responded “meaningfully” to them, including offering potential accommodation measures. But how many accommodations can possibly be made for a pipeline following a route along roughly the same right of way as the currently operating one? And how do you “accommodate” those whose avowed purpose is simply to stop the project?

Ironically, this decision comes after the Trudeau government had devised a consultation process specifically designed to correct what they termed the Harper government’s “mistakes” that led to the court’s denial of Northern Gateway. What the court has done is move the already extremely difficult goal posts set by the previous panel to where the “adequacy” of any degree of Aboriginal consultation is impossible to predict. This is sure to repel any company from pursuing resource projects near the so-called “traditional lands” that encompass virtually every square inch of B.C. and large parts of the rest of Canada.

The second reason cited by the judges for quashing the Trans Mountain approval was what they called the NEB’s “critical error” of failing to include the impact of increased ship traffic on endangered orcas inhabiting the region’s waters. But the facts paint a very different picture.

Due to the proximity of Seattle, Wash. to the Vancouver region — where Trans Mountain terminates — an analysis of tanker movements in the whale’s habitat must include both Canadian and American traffic. Essentially all tankers must transit the Strait of Juan de Fuca bordered to the north by Vancouver Island and to the south by Washington State. Every year, some 1,300 oil tankers, tug-pulled petroleum barges and industrial chemical carriers travel through the Strait of Juan de Fuca before entering the inland waters of the Salish Sea. The Canadian traffic turns north towards Vancouver and the American traffic goes south towards Seattle.

But that’s just tanker traffic. Orcas may be remarkably intelligent, but they can’t detect the difference between tankers and other large ships. Each year, some 10,000 large commercial cargo ships travel those same waters, too. And even that isn’t the whole story. During the May to September tourist season, hundreds of huge cruise ships visit Vancouver. Adding to that are the thousands of BC Ferry vessels that travel the Salish Sea, plus tens of thousands of recreational boats. Meanwhile, the Trans Mountain project would add one ship per day. You read that right: One. Ship. A. Day.

The NEB should instead be applauded for not wasting taxpayer money doing a major study of the obvious fact that one more ship among so many others will have no reasonable impact on the orcas’ lifestyle. But now, while the Trudeau government announced Wednesday it would not appeal the Federal Court ruling to the Supreme Court, it has ordered the NEB to study the orca question over 22 weeks.

How much will yet another six-month project delay cost the Canadian economy? Lack of access to offshore markets means U.S. refiners are buying Canadian oil at a deep captive-market discount. That discount has long been costing the industry and governments some $15 billion per year. It has now grown to some $50 million a day. Even in the unlikely event that construction restarts immediately after that 22-week delay, another $8 billion in price discounts will have been handed to Americans as they consume cheap Canadian oil and export their own production overseas at world prices.

On Wednesday, the Liberal government announced it has appointed former Supreme Court justice Frank Iacobucci to oversee a whole new process of “meaningful consultation” with the 117 Aboriginal groups who count themselves affected by the Trans Mountain expansion. Rather than a useless study and another attempt to satisfy the court’s endlessly amorphous standards of “adequate” consultations, the Trudeau Liberals should have called back Parliament early to pass a bill implementing the national government’s constitutional right to carry out projects that are in the national interest.

Business capital investment is crucial to the jobs of the future. In the period since the Trudeau Liberals took office, the proportion of capital investment in the economy has collapsed to a 40-year low. That was before this devastating court decision and the government’s inept response. Our country’s international reputation has deteriorated from a credible nation that “punches above it weight” to one governed by lightweights more fixated on political correctness than on getting their own national projects built. Canadians should be very worried.

Gwyn Morgan is the retired founding CEO of Encana Corp.

from Financial Post https://ift.tt/2NmwEZb via IFTTT Blogger Mortgage Tumblr Mortgage Evernote Mortgage Wordpress Mortgage href="https://www.diigo.com/user/gelsi11">Diigo Mortgage

[lovelyfantasticfart]

Vancouver Real Estate Prices Skyrocketed Following 2018 Olympics

And Asia notched a 2.2 percent achieve, surpassing its 1.Four percent advance from the earlier 12-month period. In fact, Canada's dwelling ownership charge peaked in 2006, with over sixty-eight % of households owning their residence. I guess Vancouver should be the Beverly Hills of Canada and our little hamlet an enclave dwelling to the excessive income earners of the nation. B.C. house prices, Vancouver particularly, have lengthy outpaced the rest of the nation. Those which have never eaten them this manner will have a chortle and those which have, will not admit it. Your thorough personal research and reliable professional taxation and authorized services will save you heartache and cash. When homeowners determine to change the shade of the partitions, they go into an intense analysis mode. I use it daily, often with a couple of Chrome Browser open at a time, and use multiple plug-ins and extensions for all of my online worldly habits and escapades. For more influence and vision-opening, superbly curled lashes, use a heated eyelash curler.

And that is by no means more evident than throughout a downturn. Then in 2012 the variety of homes bought for more than a cool million dollars jumped, to 55%. If greater than half of the town is being valued at over a million dollars, that's not an inexpensive city. Prices of houses grew to an nearly double stage between 2001 and 2007, whereas inflation didn鈥檛 get over 14%. After all, such growth severely restricted affordability of housing in Vancouver, mainly for first time consumers. Development of those high demand residences is at an all-time high, however till these new buildings hit the Vancouver real estate market we are prone to see prices proceed to head skyward. Our BC Actual Estate part offers a listing of Property Brokers offering each property from oceanfront condos to forested acreage, from waterfront and oceanview property, to industrial, industrial or funding properties. Sellers, and realtors by guaranteeing the acquisition of properties by the best patrons, and buyers, getting themselves their property as the values are projected to undergo the roof in the near future. Sadly, as you state, whereas an individual is employed with a given employer they are stuck with no matter supplier and investments the employer chooses.

While local fluctuations (e.g. Oil and Fuel increase - Calgary; Asia-Pacific cash inflows - Vancouver) do happen, there remains to be the continuous offer of long-time period stability for individuals who desperately want to flee the renting "rat race". 50 for mine because I needed something of good quality from a good firm that would final for a superb while. Final Up to date: 05/04/2018 . I hacked it up below, however feel free to wander over there and skim the entire thing. One other word for it is PAYCHECK and who, in addition to actual estate brokers, ever work without cost? Pacific Spirit Park and the Museum of Anthropology are two of the local points of interest and with the University services available, buying UBC actual property is a superb selection on many ranges and for a lot of reasons. The Downtown Vancouver Real Estate Market is altering. You additionally need to ask among the purchasers they have provided service with and ask these clients what they think about the Vancouver real estate agent. Bigger organizations in the United States normally base the month-to-month earnings to be paid to the retiree utilizing both a dollars occasions service calculation, ultimate common pay calculation or some combination or variation of those two strategies.

If we appoint one realtor who's veteran in addition to succesful, we must be in close co-ordination with him and would get the best attention in addition to service from him. Paul now has a staff of devoted REALTORS庐 who integrate their abilities to serve the wants of their sellers, patrons, and buyers. Katanga Fried Chicken, hitherto Lubumbashi's hottest restaurant, now has three busy Chinese opponents. Now we're confronted with Beedie鈥檚 proposal for nine stories as a substitute. The area's largest employers are the 2 public school districts, Southwest Washington Medical Heart, County of Clark, and Hewlett-Packard. This graph validates that an MOI above 7 means prices are going to drop. All the worldwide issues are handled ease which includes issues that citizens face in new countries. For instance, the social conservative issues we select should not be denominational, however ought to unite social conservatives of various denominations and even different faiths.

from Blogger https://ift.tt/2BbF71s

[rebeccahpedersen]

Ban “Double-Ending?” Or Introduce “Designated Representation?”

TorontoRealtyBlog

The choice is yours, folks!

Oh wait, nevermind, it’s actually up to a wing of government who is going to tell us what’s best for us…

Talk of banning multiple representation, or “double-ending,” has been going on for the better part of 2017, but the Ontario Real Estate Association has proposed the introduction of “designated representation” as a compromise.

Comments on online newspapers are inherently negative, but I’m curious to know what my readers think about this…

I double-ended a property last week.

Or I should say, I double-ended a sale.

That’s where the term “double-ending” comes from; it’s a sales term.

In real estate, brokerages track how many “ends” their agents produce.  Each transaction has two ends: a buy-end, and a sale-end.

And thus the term “double-ender” for management and brokers to fawn over when their agents strike gold.

That’s how the public wants to see it, right?

It’s all about the agents, their ends, and their money.

And this is why I’m somewhat frustrated, because the issue of “double-ending” isn’t about the ends, it’s about representation.

The mere fact that the media uses the term “double-ending” instead of “multiple representation” shows the angle they’re taking with their stories.

The sexy story is real estate agents, how much money they make, how many sales they do, and (fingers crossed!) them screwing over either their buyer, or seller, or both.

If newspaper headlines talked about “multiple representation,” it just wouldn’t have the same spin.

Last week, two of my clients found themselves in “multiple representation;” one on the buy-side, and one on the sell-side.

I had a listing coming to market, one that I knew about for a few weeks.

I also had clients that were looking for a property; something they could downsize to in a few years, but where their daughter could stay as she did her Masters degree at U of T, perhaps renting the other bedroom to a friend.

My buyers were looking for something with space: maybe 1,200 square feet or more, but space in terms of functionality – something you don’t find in today’s new micro-condos.  So after showing them units in King West that were the right square footage, and with the outdoor space they coveted (something 300 sqft+, where you could barbecue), they found that the style of newer-builds and the layouts they offered just weren’t going to work.

I told them about the listing I had coming up, and they sounded interested.

This happens a lot in my business; you always have somebody looking, and something coming up, but rarely do the two connect.

In this case, my buyers loved the description of the unit, and they much preferred the east side.

So a few days before the listing was scheduled to come to market, I showed it to my buyers.

They didn’t jump; they took their time.

But when I brought the unit to market, they said, “Okay, you know what?  We want it.  Let’s buy it.”

So how did I represent both sides?

It sounds cliché, folks, but it’s the truth: honesty.

I told my buyers that we had priced the unit slightly above fair market value, since we did.

And I told them that one of two scenarios could play out.

The unit could sit on the market for two weeks, and they might be able to get it for, say, $20-$30K under the list price.

But the unit might also garner significant attention, result in multiple offers, and sell $20-$30K over the list price.

In fact, the amount that properties sell for over list is usually substantially higher than the amount properties sell under list price, in this market.  I don’t think anybody would dispute that.

So I told my clients, “If you want to tie up this property today, you’d have to offer the full list price.  However, that doesn’t preclude you from instructing me to draw up an offer with ANY price of your choosing.  As your agent, I could offer $1 on your behalf; it’s up to you.”

In the end, they simply said, “We don’t want to mess around.”

This property was going to represent their retirement, and the bottom line was: they weren’t all that price-sensitive.  If they paid $950,000,  or $980,000, or $930,000, it wasn’t going to make or break this decision for them.

They wanted the property, they thought the list price was reasonable, and  they didn’t want to take the downside risk, that other offers materialized, in exchange for upside reward, that the property sits on the market, and they could get it for less.

The sellers were ecstatic with the sale price, and relieved that they didn’t have to stay out of the condo for two weeks.

The buyers were as happy as can be with their purchase, and can’t wait to take possession.

Tell me I’m wrong in my approach here, and tell me what I did was unfair.

Tell me that there was potential for a conflict of interest, and I won’t disagree.

But not every potential for a conflict of interest, results in a conflict of interest.  Let alone one party’s interest being put above and beyond the other.

I’ve heard a lot of metaphors and comparisons for multiple representation in real estate.

“A lawyer can’t represent both the defendant and the plaintiff.”

“A baseball player can’t call his own balls and strikes.”

I’m sure you could come up with a few beauties yourselves.

The comparison to a lawyer representing both plaintiff and defendant might seem to have some similarities, except in that case only one of them can win.  It’s a zero sum game, and one person’s loss equals the other person’s gain.  Representing both buyer and seller in real estate, as I’ve shown in the example above, does allow both parties to win.

As for calling your own balls and strikes, well, I don’t think this really applies.  That’s essentially saying you are your own moral authority, determining what is right and what is wrong.  But RECO is the moral authority, and ultimately so too will be your clients.

And that’s really what it all comes down to, in my opinion.

I really don’t want to sound like an anti-government nut, based on my blog from Monday and now following it up with this, but I really, truly don’t think it’s the government’s place to decide who can work with whom in the real estate market.

It should be entirely up to the consumer.

I’m not in favour of taking choice away from the consumer.

I understand why the government has made it illegal to not wear a seat-belt, but then again, the government has allowed consumer to decide if they want to smoke cigarettes, eat fatty meats, and come next year, smoke weed.

So why is it up to the government to decide on behalf of the consumer whether or not a real estate agent can work for both buyer and seller?

I have a very simple solution, and this is more simple than what OREA is proposing.

A buyer signs a “Buyer Representation Agreement.”

A seller signs a “Listing Agreement.”

Let’s create new forms that have a section pertaining to multiple representation, but at BOTH the brokerage level, and the agent level.  Because by definition, “Multiple Representation” refers to the same brokerage representing buyer and seller, not the same agent.

When it comes to the debate about “double-ending,” that’s directly referring to the same agent representing both buyer and seller, so let’s not confuse the two.

Now, as for the Buyer Representation Agreement and Listing Agreement, let’s have check-boxes, where the client must initial for the following:

1) I hereby give my consent for my agent to engage in multiple representation at the brokerage level.

YES  ________        NO  ________

2) I hereby give my consent for my agent to engage in multiple representation at the agent level.

YES  ________        NO  ________

Every buyer and seller, via the Buyer Representation Agreement and Listing Agreement, must specify whether or not they would allow their agent to either “double-end” their deal, or, have anybody from their brokerage work on the transaction.

Now here’s the kicker, folks, and agents will not like when I suggest this.

There should be a clause in the Buyer Representation Agreement that specifically states if the buyer agent happens to have a property listed for sale, as a listing agent, and the buyer under contract did NOT consent to multiple representation at the agent level, then that buyer is free to pursue that property, and only that property, with another agent.

Is that fair?

It allows a buyer to work under contract with an agent, but if that agent has a property listed that interests the buyer, and the buyer does not feel comfortable working with an agent “double-ending,” then the buyer has an out.

I welcome your thoughts on this, since again, to reiterate, I really, truly believe that the decision should be left to the consumer, and not forced upon the market by the government.

Also keep in mind that nine times out of ten, any issues arising from multiple representation, specifically “double-ending,” are on the buy-side.

Show me a seller who will toss away an offer from a buyer, who happens to be represented by the seller’s agent.

In competition, if there were ten offers, does the seller really care who “wins?”

Well, even though I’m seeking to make a point, let me combat the point with an example…

A few years ago, I brought an offer on behalf of my buyer clients on a property listed by Bosley Real Estate.

There were three offers, and I was told by the listing agent, “You’re the highest, but…”

Do you know what that “but” referred to?

You’ll never believe it.

The seller didn’t want to work with a Bosley-represented offer.

I couldn’t believe it!

The sellers told their listing agent, “We don’t like the optics of this.  We feel it might not be well-received, and if it’s up to us, we’d simply rather work with one of the other two offers.”

Of course, the other two offers were lower!  So now the sellers really had to put their money where their mouth was, literally, and decide if they wanted to accept a lower offer, that wasn’t from Bosley.

They gave both the other bidders a chance to improve, and not us, which you will argue is “unfair” or “against the rules,” but those so-called rules aren’t written anywhere, other than many generic sections in REBBA and the CREA Code of Ethics about “fairness in dealings.”

In the end, one buyer stuck, the other improved, but not enough, and we got the property.

But imagine my explanation to my buyers if we didn’t?

Earlier this week, an article appeared in the Globe & Mail entitled, “Realtors Realtors Lobby For Revised ‘Double-Ending’ Ban”

The article quotes Phil Soper, CEO of Royal LePage, who said the following:

“It is better to make it the law to need independent representation, but allow the consumer the ability to contract out of that with clear disclosure and high penalties for those who don’t follow the rules.  You put it in the hands of people who are actually paying the fees, rather than making it very difficult for them in the rare circumstances where it makes sense for them.”

Sooooo………pretty much what I’ve been saying?

On July 23rd, 2017, the Ontario Real Estate Association, who has effectively become a Realtor-lobbyist now that the education programs have been taken away from them, released a 44-page report, sent as a “letter” to Tracy MacCharles, the Minister of Government and Consumer Services.

The author(s) of the report waste no time, with the first page of the report showing “KEY OREA RECOMMENDATION” in big letters, and then the following:

Multiple representation under REBBA was established in 2002 and modernization is needed to ensure it is in line with best practices in other jurisdictions. The real estate market, consumers’ expectations and industry practices have change signifi cantly in the past 15 years. That is why OREA worked hard to convince the province to reform REBBA, including addressing practices like multiple representation. Specifically, OREA is calling for multiple representation to be reformed in favour of the highest national standard that maintains consumer choice in a real estate transaction.

To that end, OREA supports mandatory designated representation (MDR) and strongly recommends that MDR include the ability for consumers and registrants to enter into “transactional representation” with their REALTOR® in order to protect informed consumer choice.

–

OREA gives the following cheezy example of Mandatory Designated Representation:

John and Cynthia have been working with David, their REALTOR®, for 6 months as they search for their fi rst home. They signed a Buyer Representation Agreement (BRA) with David making them a client. John and Cynthia really like David. He provides great service and has showed them dozens of properties. They trust David and have built a good relationship with him. John and Cynthia have also shared with David the maximum price they qualified for through their bank and their income. David lists a property that fi ts the criteria that John and Cynthia were searching for.  John and Cynthia attend a showing and decide to put an off er on David’s listing. Under a mandatory designated representation model, David would have to choose between representing John and Cynthia or the seller since both parties are his clients. David decides to keep his seller clients and refers John and Cynthia to two registrants in his office. They are reluctant to work with a complete stranger who they have just met and are angry they can’t work with David. It’s his listing after all. Who knows more about the property than David? In this example, what is in John’s and Cynthia’s best interests as consumers?

–

Now I’m confused.

OREA supports Mandatory Designated Representation, but then gives us an example, and asks us, somewhat rhetorically, “What is in John and Cynthia’s best interests as consumers?”

Perhaps they haven’t worked it out either.

In any event, I could go on about “Transactional Representation,” but I feel as though you’re already skimming this, and scrolling to the comments section to provide your two cents.

So let’s do that then.

I won’t be offended if you say that all real estate agents are snake-oil salesmen, who should die in a fiery car-wreck, somewhat ironically caused by highly flammable snake-oil that was already pre-sold.

My only requests:

1) If you are against multiple representation, then distinguish between the brokerage level and the agent level, because REBBA currently does not, and I think that’s where this conversation starts.

2) If you’re against it, you have to provide an alternative.

I welcome your thoughts.

The post Ban “Double-Ending?” Or Introduce “Designated Representation?” appeared first on Toronto Real Estate Property Sales & Investments | Toronto Realty Blog by David Fleming.

Originated from http://ift.tt/2vOfqgp

[willamettevalleyhypnosis]

Our Core Company Values – Business Solutions & Credit Counselling Services – Avineet Kalsey – Video Review - Willamette Valley Hypnosis

Video 3 in our latest interview series – Avineet Kalsey is discussing BSCC’s core company values.

You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!

or Visit:

Business Solutions & Credit Counselling Services

Surrey/Vancouver office: 12033 92A Avenue #205, Surrey, British Columbia V3V 4B8 Tel: 604-951-8984 https://plus.google.com/105539074476281215342

Toronto Office: #43 – 8500 Torbram Road Brampton, ON L6T 5C6 Tel: 905-789-8984 https://plus.google.com/110829514532144758690

Calgary Office: #210-3132 26 Street NE Calgary, Alberta T1Y 6Z1 Tel: 403-714-8984

Edmonton Office: 10665 Jasper Ave, Edmonton, AB, T5J 3S9 Tel: 780-716-8984

Winnipeg Office: 330 St. Mary Ave, Winnipeg, MB, R3C 3Z5 Tel: 204-962-8984

Abbotsford Office: #1A – 2497 Clearbrook Road Abbotsford, BC V2T 2Y3 Tel: 604-951-8984

or Nationwide call: 1-866-790-8984 49.047552, -122.337449 https://plus.google.com/114098025449167198058 akalsey@bscc.ca http://www.bscc.ca/ https://plus.google.com/u/0/100755473303544230759/about

Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.

Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!

For over 18+ years, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.

For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.

Become our fan on Facebook: https://www.facebook.com/CreditAndFinancialCounselling

Follow us on Twitter:

Tweets by AKalseyBSCC

Check out our Pinterest Boards:

Follow us on Instagram: http://instagram.com/creditcounselingbscc

Join us on YouTube: https://www.youtube.com/channel/UC4YyGuJMge9uUlFHQA-0L2A

Our Recent Videos: https://www.youtube.com/watch?v=pFQ6_Ot2QY0

Video Review on: https://youtu.be/Lgweep5FHq8

Bill Fournier ~ Willamette Valley Hypnosis, LLC. 620 VanBuren St. Suite D ~ Corvallis, Or 97068 Call for Appointment at (541) 714-3409 Visit http://willamettevalleyhypnosis.com/ Hypnotist in Willamette Valley specializing in alleviating chronic pain, stress and phobias to improve your quality of life through the use of hypnosis.

Read More... https://willamettevalleyhypnosis.wordpress.com/2019/02/21/our-core-company-values-business-solutions-credit-counselling-services-avineet-kalsey-video-review/ Bill Fournier ~ Willamette Valley Hypnosis, LLC. 620 VanBuren St. Suite D ~ Corvallis, Or 97068 Call for Appointment at (541) 714-3409 Visit http://willamettevalleyhypnosis.com/ Hypnotist in Willamette Valley specializing in alleviating chronic pain, stress and phobias to improve your quality of life through the use of hypnosis.

[growlegalweed-blog]

Legal Weed Resources

Check out... https://legalweed.gq/420/or-exporting-surplus-cannabis-out-of-state-bill-number-sb-582/

OR: Exporting Surplus Cannabis Out-Of-State Bill Number: SB 582

We highlight this proposed bill  amongst the 100’s of bills being presented at state legislatures throughout the country because it’s passing could engender an avalanche of other bills in states around the country wanting to do the same thing and the precedent of states trading the commodity before Federal legislation is in play  just presents another set of questions.

Exporting Surplus Cannabis Out-Of-State

Bill Number: SB 582

Description: Permits the Governor to enter into inter-governmental agreements with other governments to export cannabis out-of-state

Full Text

Introduced

  The Oregon Retailers of Cannabis Association Also Highlight The Following Bills 

We suggest these bills illustrate  a growing maturity in the OR cannabis market and an understanding of  the issues raised as the sector moves from one of rapid growth to becoming an increasingly embedded part of the state’s economy

  2) Social Consumption/ Cannabis Lounges / Tasting Rooms

Bill Number: SB 639

Description: Creates exemption in the Clean Indoor Air Act to allow for limited licensing of indoor consumption spaces specifically for cannabis.

There have been significant strides on this issue since 2017 when it was first discussed in the legislature, though it’s unclear if we have the necessary political capital to make this massive change this year.

Opponents are myriad and we expect an uphill battle again this time – in fact, we may need to push this to the 2020 ballot in order to see the sweeping reform we would need. 

Several opponents consider any legislation that alters the Clean Indoor Air Act in any way as a total non-starter.  Others – like us – say we MUST create those exemptions in order to move forward on this issue.

  3) Employment Protections for Off-Hours Cannabis Use

Bill Number: SB 2655

Description: Prohibits employers from not hiring or firing a candidate/employee for off-hours cannabis consumption.

A version of this bill was introduced to the Senate Judiciary Committee in 2017 as SB 301.  We are spearheading the conversations this year with lawmakers and have gotten this concept reintroduced for 2019. 

If Vancouver BC cops can consume cannabis safely during their off hours without fear of losing their job and their livelihood, then we think the average worker in Oregon should be allowed to as well.

Legislators are a lot more sympathetic to the case this time around as well!  And in fact, this bill has already been scheduled for a public hearing in the House in the next couple of weeks, so stay tuned for more updates from us on how this bill may fare this year.

4) Automatic Expunctions For Past Cannabis Offenses

Bill Number: SB 420

Description: Automatically removes past cannabis convictions and offenses from records without requiring manual expunction procedure.

This is another example of legislation that was explored in past sessions but didn’t have enough support to make it through.  Our proposal would change the current system of expungement through an application system to a system that automatically reviews and expunges the appropriate past cannabis convictions from peoples’ records without a need for an application. This is similar to the new expungement law in California and elsewhere, and what folks are fighting for in Canada.

This is important because the application process is expensive, time-consuming, and circuitous. As a result, many have not taken advantage of the opportunity.  This bill would help many more people.

5) Prohibits medical cannabis consumers from being denied organ transplants based on having cannabis in their system

Bill Number: SB 2687

Description: Prohibits folks consuming medical cannabis with the recommendation of a doctor from being denied entry or participation in programs where they would be the recipient of a donated organ.

This one is literally life and death for some people, and it was a matter of life and death for several long-time advocate and activist buddies who are no longer with us – people like Jim Klahr and Jim Greig.

No one should be denied life-saving treatment because they chose to consume cannabis.  This will hopefully be an easy bill and – based on the hearing that was held at the capitol on Tuesday – ought to pass into law.  But sure enough, folks still came out to oppose it at the hearing, so we know for sure that we do have an opposition pushing back on it.