New Mortgage Rules for Canadians in 2010?

28 March 2010 Categories: general

Seemingly just yesterday, there were significant changes made to the way mortgages work in this country. And now as 2010 starts to rev up, Minister of Finance Jim Flaherty, is considering even more changes to the Canadian mortgage rules. Flaherty is hoping that by creating tighter rules for lending, the government will be able to prevent Canada from experiencing the type of economic downturn that the American market has seen over the last couple of years. In 2008, lending rules in Canada became more conservative with the removal of ‘no money down’ offers and 40-year mortgage terms. Also affected were home equity lines of credit, which can no longer be worth more than 80% of a home’s value. In 2010, Flaherty is again looking to reduce the length of allowable amortization periods—this time from a maximum of 35 years, down to 30. He is also considering increasing the minimum down payment required from 5% to 10%. Unlike our southern neighbours, the Canadian real estate market saw a great deal of activity in 2009—much of it due to low interest rates. With favourable rates and high activity, there is concern that Canada is developing a housing bubble that will inevitably burst. The government is trying to prevent this from happening by cooling down the market. During America’s housing boom, thousands of buyers got in over their heads by purchasing homes with subprime mortgages and interest-only loans. As soon as interest rates shifted, these homeowners could no longer afford to make their payments, and their homes went into foreclosure. The foreclosure epidemic has gone on to affect the entire economy, with people losing their homes and jobs, and people being unable to find affordable housing. This is something that we’d definitely like to avoid in Canada, and perhaps making it tougher for people to buy homes is one way to prevent it. Though the proposed changes to the mortgage rules will make it more difficult for people to buy real estate (particularly for first time buyers), these changes are not designed to punish anyone. The goal is to ensure that buyers entering the real estate market can actually afford to do so. These rules are being considered as a way of protecting individuals from going underwater, as well as protecting our economy as a whole. We’re fortunate as Canadians because we can learn from the mistakes made in the States that precipitated the foreclosure crisis.

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Canadian Builders Association Looking Green

27 March 2010 Categories: general

The Canadian Home Builders Association (CHBA) are not happy chaps at the moment! There is concern in the industry that building codes are being compromised by the use of programs that were not designed in Canada and that are replacing Canadian based standards.

The newly developing interest in green homes and sustainable energy has meant that several new green programs and standards in construction and house building have been introduced that do not have CHBA approval.

Their concern is centred on the new LEED-H standard that is currently being developed in Canada by the Canadian Green Building Council. The CHBA are concerned that municipalities will regulate the building of new houses by insisting on LEED compliance, thus circumnavigating the CHBA system of codes and standards.

The vice president of CHBA pointed out that the LEED standards are developed by a private group to suit their own agenda, and that this is not the way building standards are introduced in the country. He added that the codes and standards development processes are rigorous, transparent and involve a lot of accountability.

Interest in homes with high-energy efficiency and sustainable building practices has prompted several new ‘green’ programs and standards to be introduced in Canada.

LEED stands for Leadership in Energy and Environmental Design. The LEED standards are based on five principal categories: energy and atmosphere, indoor environmental quality, materials and resources, sustainable sites and water efficiency.

Currently they are only applied to commercial and multi-housing construction, but now standards for LEED -H are being developed to include domestic housing.

CHBA has developed an outline for domestic housing; R-2000 was introduced twenty years ago and has had several updates since then. Its mandate was to build super energy efficient homes; a criterion that has brought international demand for Canadian home designs from all over the world. Countries such as Chile, Ireland and Russia are just a few of the countries that have used Canadian building consultants and expertise.

However, builders have said that back home in Canada, the R-2000 was a tough sell. Rather than spend extra money on energy efficiency, prospective home owners would opt to spend their money on upgraded finishes, which gave more visual enjoyment.

As with many green issues, until the Government step in to legislate and demand forms of energy-saving, by law, home owners the world over will often choose to spend their home owner’s money on visual appeal.

The CHBA have said that it is time to upgrade their R-2000 standard to serve its original purpose which was to provide an elite standard of energy and environmental performance that will stimulate innovation within the home building industry.

Sounds like something has stimulated innovation within the Canadian Home Builders Association….?

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How to Find Alberta Best Mortgage Rates

27 March 2010 Categories: general

It’s a buyer’s market when it comes to finding Alberta best mortgage rates. Since 2006, mortgages have stepped up in innovation, helping Alberta’s mortgage rates stand out.

Now, Canada offers longer amortization periods ranging from 25 to 40 years. The current mortgage insurance laws have made it possible for a buyer to finance up to 100% of the loan-to-value ratio. Plus, loan documentation is efficient and smooth in respect to verifying borrower’s income and employment.

The Department of Finance in Canada reports the housing and mortgage markets to be performing well across the board. This means that current Canadian housing offers low interest rates because the economy is still doing well though the rest of the world is in an economic slump. As the population grows, the income of Alberta’s citizens does, too.

The demand for housing in Alberta is strong, and the average house value is expected to remain close to $200,000 for the seventh year in a row. In addition, Canada has one of the lowest rates of mortgages in arrear at .27 percent.

Thanks to Canada’s cautious approach, their financial institutions remain sound in regards to mortgage lending. Because of the government’s sturdy financial administrative system, the housing and mortgage markets remain strong and secure.

Sub-prime mortgages represent less than 5 percent of the population in recent years. As a result, Alberta’s best mortgage rates are easy to come by due to a world-class mortgage finance system and competitive prices.

If you’re looking for a mortgage quote in Canada, try going online first. You can use one of the mortgage calculators to find a rate from several competitors all at once. Make sure you look around a bit. The more you try different variables, you’ll see that just because the rate is good for a certain term and price with one company, another company may offer a better rate if the term or price is different.

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“DIVORCE LAW of INDIA NEEDS URGENT AMENDMENT” – LAW MINISTER OF INDIA

26 March 2010 Categories: general

DIVORCE LAW of INDIA –

AMENDMENT AS PER LAW COMMISSION’S RECOMMENDATION IN 2009 –

NOT YET DONE

 

Another case of: – JUSTICE DENAIED when JUSTICE DELAYED

 

Groom: Aged about 40yrs, Bride: 41 yrs, Son: Aged about 12yrs

 

PAST

 

On or about 1984, I, at the age of 15 years proposed to a 16-year girl – and the story began. I forgot that I lost my father at the age of 11 years, had a sister aged 6 years and my widow mother. I had lots of responsibilities to carry out as the only son of my beloved father. In a romantic mood, I forgot the difference in financial status of the two families. The story could have been entirely different if the girl would have refused me then and there, but she accepted me. But her family was “matured” and they opposed it in every possible way. I had my first big exam (10+) just at door. In spite of broken heart I tried my best and got 70% in the exam.

 

Thereafter I could realise the real state of affairs, as the girl became totally silent. But I wanted to meet the girl at least once and finally found her in July 1988, in her college, 15 km away from her home. In between, the girl never informed me about her whereabouts. Again on that day the girl agreed to “CARRY ON” the romance for the time being.

 

In  1994, myself got married after lots of inside drama from her family. Her father could never accept me “from heart” as an eligible husband of his daughter and he did a “FAVOUR” to us; by managing to get a job for her, in a school 65 km away from her in-law’s house, just a month before the said marriage. Meantime I managed to make a house with the proceeds received from LIC, obtained after my father’s death. At that time, I was looking after the “small” business left by my father. But her father could never rely on my financial condition and his daughter continued with the service by ferrying daily up and down 130 km. She used to stay very often at her father’s house (close to workplace). She conceived in 1995, but had a miscarriage, and she had two more miscarriages after that in two consecutive years. I lost the joy of being a FATHER and the doctors told specifically that all these miscarriages happened due to her daily strenuous journey. In between, I have decided to take up a job. And my wife finally decided to leave her job, her father also agreed (after some drama again) to the decision. And just after that she became the “proud mother” of our only son.  But she could never forgive me for that decision, although she made her own decision always.

 

I started feeling humiliated for the indirect responsibility for the cause of leaving her job. The misunderstanding began and it increased day after day. I concentrated on my job, and obtained recognition from my employer. I was earning enough to carry on my responsibilities. I built up another floor in the house, since my mother had a long desire for that. I performed my last pending duty by getting my sister married in 2006. I started realising slowly, that I am nothing but a moneymaking machine for my wife. Needless to say, in between, the marriage lost all its charm in all way. My wife became a “lady” by then and was reasonably satisfied with her monetary status, and I became a late 30’s gentleman and kept myself satisfied with my job with an understanding that for the sake of my son, we should stay together.

 

But from 2007, she started taunting me even in front of my son. I became mentally broke. My health was broken, started suffering from IBS, BP etc. (diseases from tension and mental unrest) and started thinking about separation and divorce. I had to take sedative regularly. At the same time I was worried about my son’s future. We were sleeping in different rooms from 2008. My wife stopped using Sindoor from 2006. I really wanted to forget all her past behaviours as bad dreams, but I couldn’t.  I love my job; it has given me my own identity and before the situation affects my job performance, I wanted to end it. I was in a dilemma till April 2009 (on the death anniversary of my father); when she humiliated me about my parents and myself with some nasty words (“you have some problem in your blood, that’s why I am worried about my son’s future staying with you”). I have finally decided for DIVORCE. Previously, she said many times that she would also prefer the mutual application for Divorce. But this time she disagreed and after discussing with her father, they demanded huge ransom money as “compensation”. She also told me that as divorce is inevitable, one of us should leave the house. I wanted to provide my son at least the same house after separation, which I felt necessary for my son’s upbringing. I shifted to a rented apartment near my place of work in July 2009. She was taking money (whatever needed) from me as usual and delaying the filing process for any separation, keeping the same humiliation process on. I agreed (also paid till date) to pay all necessary expenses for maintenance of my son and wife, including the maintenance for the house where they are still staying with my mother. After all this in 25 years, her father again failed to rely on me. Earlier, I had no money, so they hesitated to get myself married to her. But now, they do not know how much money to claim from me, to spoil me even after Divorce, and that is why they are hesitating to go for a mutual divorce. So I had no other alternative to file the divorce petition in September 2009. I know lots of odds will come from my mother and relatives, as divorce is still considered as a social taboo. Each marriage is between two individual – not between “Ideal Wife” and “Ideal Husband”. I am responsible for my job (doing it last 13 years) as well as my family. I belong to a social class and agree to pay any reasonable maintenance (the only sub clause was recommended as check measure for divorce for Irretrievable Break Down) as decided by the Honourable Court.

 

Contest divorce itself is a very tough decision. Even in my professional life, people are not taking it easily. Still I want to take my own black spots, my failure in the marriage – to the public, at least to the people who matters; cant play hide and seek game anymore. I stopped myself several times; thinking about my son, but he should also better see one parent than parents without love or respect for each other. Perhaps by staying apart both of us can maintain a healthy relation with him.

 

PRESENT

 

[ Lots of incidents happened in between: -

 

In October, I felt sad for my son (but nothing for my wife) and came to my old address. But the “drama” continued. I got seriously depressed after noticing my wife’s behavior. Actually she got much more “CRUEL”, and silently (sometime with abusive language in a very low voice) she started humiliating me.  Finally, I went to a psychiatrist. I was suffering from a tremendous depression and trauma for my wife’s behavior. After being checked up by 2 more doctors, I am taking anti-depressant drugs since then. Recently (January, 2009) I got a “fit certificate” from Doctor, but still having medicines. In between, she forced to bring all household goods from my rented apartment and stopped to me sell the same, although some items (like fridge) were duplicated. I really got spellbound noticing her attitude. She forced me to shift to 1st floor leaving my mother on ground floor. On 1st floor we were sleeping in different rooms .Now I am again residing at my rented apartment. ]

 

Now it’s already 5 months gone after my filing. The first date was in Dec 2009. On that day I just got another date. And on the next date also, I shall surely get just “another date.”

 

Is not this the right (if not delayed already) time to address the problem associated with Indian Divorce Act itself?  Please note, I am not the 1st to say this, the law commissions already felt this in 1971 and 2009 (reports enclosed). Both “seriously” recommended introducing THE IRRETRIEVABLE BREAK DOWN OF MARRIAGE as another ground for divorce. We have now a “Fault divorce” and mutual divorce. When my partner and me can’t agree on a less affecting thing like “mutual divorce” (which means to break the tie of marriage), how can we STAY TOGETHER in marriage thereafter? All of us know that, staying together (in any form) requires much more agreement between any two people than to stay apart. That means I have to request (or beg or buy) my wife to be free from marriage, just like a sentenced captive from the Jail. Judiciaries indirectly being used as a tool to bargain terms for divorce, in cases like this. Yes, when there is legal battle between couple, who are staying separate over a year, the only motto can be to get a “good bargain” or to harass one spouse by mere non-cooperation. My wife now more “ cruel” in behaviour. She is fighting legally with me – that means she don’t have any ‘emotional” dependence on me. When we talk about our “old tradition of marriage” we often forget that, no “traditional” wife will come to court to keep or leave her marriage.

 

I would like to mention another thing. My petition primarily based on “CRUELTY”, as the most suitable “available ground” for divorce. But one has to understand that fairer sex normally don’t act “cruel” by physical nature. Even in some cases “SILENCE” or “ABSENCE OF CORDIAL NATURE” between husband and wife can be cruelty of severe nature, which happened in my case. And when a person like me, who act as a Manager in a reputed company, files the divorce for wife’s cruelty, it can effect my professional reputation to a great extent. Actually it’s very much humiliating for me to file the petition and fight for that. It’s not explainable to anyone, but one who is in similar condition, can very well understand this. Broken marriage is not a crime and by the recommended amendment, divorce law can address that break with far less complexity. As we all know, nobody or nothing can compel a couple or any two people to live together. Present Divorce Law can delay (and make more bitter) the process of divorce, but can’t really change the direction in this scenario.

 

Can the Judiciary ask me to point out very private part of my life like marriage? Is not this hampering my basic fundamental right as a citizen? When there is no such law for a “father & son” or “mother & son” relation to be in that tie for ever (although maintenance clause is there), why would be such gross disparity in case of marriage? Are later the more “NOBLE” or “MUST ON” relations than the earlier? Is institution of marriage a serious “offense”, which if I have done once, can’t be freed till my death? Is wedlock means deadlock?

 

 

Now as an effect I have two options –

 

EITHER to stay in my marriage forgetting about my own negative feelings compromising with my health and peace of mind

 

OR

 

To badmouth my son’s mother in the court to prove her fault to get rid of her.

 

In both cases either my wife or I would be sufferer, not the Honurable Judiciary or the legislative body! Won’t the chances of any healthy relation would decrease or diminish just because of amount of tension created between us during the process, as more dates means more blames or more defense (which is also a part of attack mechanism)? Even the child would be indirectly sufferer for the bitterness between the parents as helpless witness of the whole event.  Breaking up is a hard decision for anyone, but while doing, why we (in the process itself for its duration & nature) need to be nasty instead of peaceful? If a marriage can be done in a one-month notice period, why the divorce would be delayed for YEARS?

 

I am referring to some very pertinent cases where Honourable Supreme Court of India understood the gravity of the circumstances and granted the decree of divorce by dissolving the marriage, sometimes even after the lower court’s verdict in an opposite direction. In most of the cases, petition filed against wife’s cruelty. Judiciary understood that delaying the process would only increase bitterness between the couple. Whenever we delay something, it affects. In this scenario its affecting unfortunate people like me.

 

(1) N. G . Dastane Vs S. N. Dastane

DATE OF JUDGMENT : 19/03/1975

BENCH: CHANDRACHUD, Y.V. GOSWAMI, P.K. UNTWALIA, N.L.

CITATION: 1975 AIR 1534    1975 SCR (3) 967, 1975 SCC(2)   326CITATOR INFO : RF 1988 SC 121 (7,10)

 

(2) SIRAJMOHMEDKHAN JANMOHAMADKHAN  HAFIZUNNISA YASINKHAN & ANR

DATE OF JUDGMENT14/09/1981

BENCH:FAZALALI, SYED MURTAZA

BENCH:FAZALALI, SYED MURTAZA

SEN, A.P. (J)

CITATION:

1981 AIR 1972 1982 SCR (1) 695

1981 SCC    (4) 250 1981 SCALE    (3)1400

 

(3) Shobha Rani Vs Madhukar Reddi

DATE OF JUDGMENT12/11/1987

BENCH:SHETTY, K.J. (J), RAY, B.C. (J)

CITATION: 1988 AIR 121    1988 SCR    (1)1010

1988 SCC    (1) 105 JT 1987 (4)    433

1987 SCALE    (2)1008

 

(4) V. Bhagat Vs D. Bhagat

DATE OF JUDGMENT 19/11/1993

BENCH: JEEVAN REDDY, B.P. (J), KULDIP SINGH (J)

CITATION: 1994 AIR 710, 1994 SCC    (1) 337

JT 1993 (6) 428    1993 SCALE    (4)488

 

(5) Romesh Chander Vs Savitri –

DATE OF JUDGMENT 13/01/1995

BENCH: SAHAI, R.M. (J), MAJMUDAR S.B. (J)

CITATION: 1995 AIR 851    1995 SCC (2)    7

JT 1995 (1) 362    1995 SCALE    (1)177

 

(6) SMT. KANCHAN DEVI Vs. PROMOD KUMAR MITTAL & ANR.

DATE OF JUDGMENT:    03/04/1996

BENCH:ANAND, A.S. (J)

BENCH:ANAND, A.S. (J)FAIZAN UDDIN (J)

CITATION:JT 1996 (5) 655    1996 SCALE    (3)293

 

(7) Ashok Hurra Vs Rupa Bipin Zaveri

DATE OF JUDGMENT: 10/03/1997

CIVIL APPEAL NO 1835 OF  1997

 

(8) G.V.N. KAMESWAR RAO Vs G. JABILLI

DATE OF JUDGMENT:    10/01/2002

BENCH: D.P. Mohapatra & K.G. Balakrishnan

 

(9) Praveen Mehta Vs Inderjit Mehta

DATE OF JUDGMENT 11/07/2002

 

(10) A. Jayachandra Vs Aneel Kaur

DATE OF JUDGMENT: 02/12/2004

BENCH: RUMA PAL, ARIJIT PASAYAT & C.K.THAKKER

 

(11) Durga Prasanna Tripathy Vs Arundhati Tripathy     DATE OF JUDGMENT : 23/08/2005

 

(12) Vineeta Saxena Vs Pankaj Pandit

DATE OF JUDGMENT: 21/03/2006

BENCH: Ruma Pal & Dr. AR. Lakshmanan

 

(13) K R MAHESH Vs MANJULA

DATE OF JUDGMENT: 11/07/2006

BENCH:ARIJIT PASAYAT & S.H. KAPADIA

 

(14) Kajol Ghosh Vs Sanghamitra Ghosh

DATE OF JUDGMENT: 20/11/2006

BENCH: G.P. MATHUR & DALVEER BHANDARI

 

(15) Rishikesh Sharma Vs Saroj Sharma

DATE OF JUDGMENT 21/11/2006

CASE NO.:Appeal (civil) 5129 of 2006

 

(16) Sujata Uday Patil Vs Uday Madhukar Patil

DATE OF JUDGMENT: 13/12/2006

BENCH: G.P. Mathur & A.K. Mathur

 

(17) Mayadevi Vs Jagdhish Prasad

DATE OF JUDGMENT: 21/02/2007

CASE NO.:Appeal (civil) 877 of 2007

BENCH: Dr. ARIJIT PASAYAT & DALVEER BHANDARI

 

(18) Samar Ghosh Vs Jaya Ghosh

DATE OF JUDGMENT: 26/03/2007

 

(19) Satish Sitole Vs Smt Ganga

DATE OF JUDGMENT : 10/07/2008

CIVIL  APPEAL  No. 7567  of  2004

 

(20) Suman Kapur Vs Sudhir Kapur

DATE OF JUDGMENT 07/11/2008

CIVIL APPEAL NO.6582 OF 2008

 

And Last but not the least, THE LANDMARK JUDGEMENT

 

(21) Naveen Kohli Vs Neelu Kohli

DATE OF JUDGMENT 21/03/2006

 

Some Newspaper articles about our present Divorce Law: –

 

“Examining the irretrievable breakdown of marriage as a ground for divorce Ankit Kejriwal, Prayank Nayak

Irretrievable breakdown of marriage can be defined as such failure in the matrimonial relationship or such circumstances adverse to that relationship that no reasonable probability remains of the spouses remaining together as husband and wife for mutual comfort and support. It is the situation that occurs in a marriage when one spouse refuses to live with the other and will not work towards reconciliation. When there is not an iota of hope that parties can be reconciled to continue their matrimonial life, the marriage can be considered as Irretrievable Breakdown of marriage.

 

This concept was first introduced in New Zealand. The Divorce and Matrimonial Causes Amendment Act, 1920 included for the first time the provision for separation agreement for three or more years was a ground for making petition to the court for divorce and the court was discretion whether to grant divorce or not. In England, the gate for this theory was opened up in the case of Masarati v. Masarati, where both the parties to the marriage had committed adultery.  The court of appeal, on wife’s petition for divorce, observed breakdown of marriage. The law commission of England in its report said, The objectives of good divorce law are two: one to buttress rather than to undermine the stability of marriage and two, when regrettably a marriage has broken down, to enable the empty shell to be destroyed with maximum fairness, and minimum bitterness, humiliation and distress. On the recommendation of the Law commission, Irretrievable Breakdown of Marriage was made the sole ground for divorce under section 1 of the Divorce Law reforms Act, 1973. The Matrimonial Causes Act, 1959 of the Commonwealth of Australia provided for divorce on the grounds of breakdown of marriage. In India, breakdown of marriage is still not ground divorce in spite of the recommendation of the Law Commission and various Supreme Court judgments to include breakdown of marriage as a ground for divorce. This paper examines the need to introduce irretrievable breakdown of marriage as a ground of divorce.

 

Theories of divorce

 

The provisions relating to divorce are contained in Sec 13 of Hindu Marriage Act, 1955. The Act recognizes two theories of Divorce: the fault theory and divorce by mutual consent. Under the fault theory, marriage can be dissolved only when either party to the marriage had committed a matrimonial offence. Under this theory it is necessary to have a guilty and an innocent party and only innocent party can seek the remedy of divorce. However the most striking feature and drawback is that if both parties have been at fault, there is no remedy available.

 

Another theory of divorce is that of mutual consent. The underlying rationale is that since two persons can marry by their free will, they should also be allowed to move out of their relationship of their own free will. However critics of this theory say that this approach will promote immorality as it will lead to hasty divorces and parties would dissolve their marriage even if there were slight incompatibility of temperament. Some of the grounds available under Hindu Marriage Act can be said to be under the theory of frustration by reason of specified circumstances. These include civil death, renouncement of the world etc. In this article we shall see that how these theories, owing to change in social circumstances and change in attitude towards the institution of marriage had failed to provide full justice in matrimonial cases.

 

Judicial opinions

 

 The Supreme Court has adopted a literal view and granted divorce under irretrievable breakdown of marriage. In Ashok Hurra v. Rupa Bipin Zaveri, the husband and wife filed a suit for divorce by mutual consent. But, subsequently wife withdrew her consent. So the petition was dismissed by trial court. The Supreme Court held that We are of the view that cumulative effect of various aspects involved in the case indisputably point out that marriage is dead both emotionally and practically, and there is no chance at all of the same being revived and continuation of such relationship is only for name-sake. The Honble Court used Article 142 and granted divorce. The Delhi High Court in its full judge bench decision in Ram Kali v. Gopal Das, took note of modern trend not to insist on maintenance of an union which was broken and said, ‘it would be practical and realist approach, indeed it would be unreasonable and inhumane, to compel the marriage to keep up the facade of marriage even though the rift between them is complete and there are no prospects of their living together as husband and wife’. In the case of Savitri Pandey v. Prem Chandra Pandey, the Supreme Court reiterated the need for the inclusion of irretrievable breakdown of marriage as a ground for divorce. The Supreme Court in Manjula v. K.R. Mahesh held, the marriage has irretrievably broken down and there would be no point in making an effort to bring about conciliation between the parties. In Neetu Kohli v. Naveen Kohli, husband alleged that the wife was quarrelsome and was found in compromising situation with one Biswas Rout. The wife counter alleged that husband had a concubine. This established that the marriage had broken down irreparably and hence granted divorce on grounds of an irretrievable breakdown. It also observed that it was high time that this be included as ground for divorce in the Hindu Marriage Act, 1955.

 

Seventy-first Law Commission Report

 

The 71st Law Commission of India submitted to the Government on 7th April 1978 dealt with the concept of irretrievable breakdown of marriage. This matter was taken by the Law Commission as a result of the reference made by the Government of India in the Ministry of Law, Justice and Company affairs. The Report points out the fact that the fault and the guilt theories of divorce are not sufficient and cause injustice in those cases where the situation is such that although none of the parties is at fault, or the fault is of such a nature that the parties to the marriage do not want to divulge it, yet there has arisen a situation in which the marriage cannot be worked. The marriage has all the outward manifestations of marriage but the real substance is gone, it’s just like an empty shell. The Report unequivocally asserts that in such circumstances it will be in the interest of justice to dissolve the marriage. It is also mentioned in the Report that in case the marriage has ceased to exist in substance and in reality, there is no reason for denying divorce; the parties alone can decide whether their mutual relationship provides the fulfillment, which they seek. Divorce should be seen as a solution and an escape route out of a difficult situation. Such divorce is unconcerned with the wrongs of the past, but is concerned with bringing the parties and the children to terms with the new situation and developments by working out the most satisfactory basis upon which they may regulate their relationship in the changed circumstances. The majority view, which is shared by most jurists, according to the Law Commission Report, is that human life has a short span and situations causing misery cannot be allowed to continue indefinitely. A halt has to be called at some stage. The law cannot turn a blind eye to such situations, nor can it decline to give adequate response to the necessities arising there from. By refusing to sever that tie the law in such cases do not serve the sanctity of marriage; on the contrary, it shows scant regard for the feelings and emotions of the parties.

 

Other jurisdictions 

 

In most developed nations, the irretrievable breakdown of marriage is recognised as a ground for divorce.

 

 

New Zealand

 

New Zealand was the first country to recognize it, through the  (New Zealand) Divorce and Matrimonial Causes Amendment Act, 1920 where a separation agreement for three years is a ground for making a divorce petition

  AUSTRALIA

 

The Matrimonial Causes Act, 1959 of the commonwealth of Australia provided for divorce on the grounds of breakdown of marriage.  The Family Law Act (Australia), 1975 considers irretrievable breakdown as sole ground for divorce If a marriage breaks down, it can legally be ended by the court granting a Divorce.There is only one ground for divorce in Australia – the fact that the marriage has irretrievably broken down. The legal test of irretrievable breakdown is that you have lived apart for at least twelve months and there is no prospect of reconciliation. As far as the court is concerned, this is all you have to establish. The judge won’t be interested in who left whom, or whether one of you is having an affair, or whose ‘fault’ it was that the relationship broke down.

 

Brazil

 

Presumably due to the influence of the Roman Catholic Church, divorce only became legal in Brazil in 1977. Since January 2007, Brazilian couples can request a divorce at a notary’s office when there is a consensus, the couple has been separated for more than a year and have no underage or special-needs children. The divorcees need only to present their national IDs, marriage certificate and pay a small fee to initiate the process, which is completed in two or three weeks.

 

Canada

 

Canada did not have a federal divorce law until 1968. Before that time, the process for getting a divorce varied from province to province. In Newfoundland and Quebec, it was necessary to get a private Act of Parliament in order to end a marriage. Most other provinces incorporated the English Matrimonial Causes Act of 1857 which allowed a husband to get a divorce on the grounds of his wife’s adultery and a wife to get one only if she established that her husband committed any of a list of particular sexual behaviours but not simply adultery. Some provinces had legislation allowing either spouse to get a divorce on the basis of adultery. .

 

 

Under the Divorce Act, 1967-68 it (IBM) is clearly recognised as a ground for divorce, apart from the normal fault grounds.

The federal Divorce Act of 1968 standardized the law of divorce across Canada and introduced the no-fault concept of permanent marriage breakdown as a ground for divorce as well as fault based grounds including adultery, cruelty and desertion.

In Canada, while civil and political rights are in the jurisdiction of the provinces, the Constitution of Canada specifically made marriage and divorce the realm of the federal government. Essentially this means that Canada’s divorce law is uniform throughout Canada, even in Quebec, which differs from the other provinces in its use of the civil law as codified in the Civil Code of Quebec as opposed to the common law that is in force in the other provinces and generally interpreted in similar ways throughout the Anglo-Canadian provinces.

The Canada Divorce Act recognizes divorce only on the ground of breakdown of the marriage. Breakdown can only be established if one of three grounds hold: adultery, cruelty, and being separated for one year.

 Most divorces proceed on the basis of the spouses being separated for one year, even if there has been cruelty or adultery. This is because proving cruelty or adultery is expensive and time consuming. The one-year period of separation starts from the time at least one spouse intends to live separate and apart from the other and acts on it. A couple does not need a court order to be separated, since there is no such thing as a “legal separation” in Canada. A couple can even be considered to be “separated” even if they are living in the same dwelling. Either spouse can apply for a divorce in the province in which either the husband or wife has lived for at least one year.

On September 13, 2004, the Ontario Court of Appeal declared a portion of the Divorce Act also unconstitutional for excluding same-sex marriages, which at the time of the decision were recognized in three provinces and one territory. It ordered same-sex marriages read into that act, permitting the plaintiffs, a lesbian couple, to divorce.

 

France

 

The French Civil code (modified on January 1, 2005), permits divorce for 4 different reasons; mutual consent (which comprises over 60% of all divorces); acceptance; separation of 2 years; and due to the ‘fault’ of one partner (accounting for most of the other 40%).

 

Sweden

 

To divorce in Sweden the couple can file for divorce together or one party can file alone. If they have children under 16 living at home or one party does not wish to get divorced there is a required contemplation period of 6 to 12 months. During this period they stay married and the request must be confirmed after the waiting period for the divorce to go through.

 

United Kingdom

England and Wales

In England, on the recommendation of the Law Commission, it was made the sole ground for divorce under section 1 of the Divorce Law reforms Act, 1969.

 

 

A divorce in England and Wales is only possible for marriages of more than one year and when the marriage has irretrievably broken down. Whilst it is possible to defend a divorce, the vast majority proceed on an undefended basis. A decree of divorce is initially granted ‘nisi’, i.e. (unless cause is later shown), before it is made ‘absolute’

From beginning to end, if everything goes smoothly and Court permitting, it takes around 6 months.

There is only one ‘ground’ for divorce under English law. That is that the marriage has irretrievably broken down.

There are however five ‘facts’ that may constitute this ground. They are:

often now considered the ‘nice’ divorce.

respondents admitting to adultery will not be penalised financially or otherwise.

the petition must contain a series of allegations proving that the respondent has behaved in such a way that the petitioner cannot reasonably be expected to live with him/her.

the allegations may be of a serious nature (eg. abuse or excessive drinking) but may also be mild such as having no common interests or pursuing a separate social life ; the courts won’t insist on severe allegations as they adopt a realistic attitude: if one party feels so strongly that a behaviour is “unreasonable” as to issue a divorce petition, it is clear that the marriage has irretrievably broken down and it would be futile to try to prevent the divorce. [4]

both parties must consent

the parties must have lived separate lives for at least two years prior to the presentation of the petition

this can occur if the parties live in the same household, but the petitioner would need to make clear in the petition such matters as they ate separately, etc.

Five years separation (if only one party consents)

 

Scotland

 

About one third of marriages in Scotland end in divorce, on average after about thirteen years. Actions for divorce in Scotland may be brought in either the Sheriff Court or the Court of Session. In practice, it is only actions in which unusually large sums of money are in dispute, or with an international element, that are raised in the Court of Session. If, as is usual, there are no contentious issues, it is not necessary to employ a lawyer. Divorce (Scotland) Act 1976.

It is likely that the two year separation period required for a no-fault divorce with consent will be reduced to one year.

 

United States

 

Marital Status in the U.S.

Divorce in the United States is a matter of state rather than federal law. In recent years, however, more federal legislation has been enacted affecting the rights and responsibilities of divorcing spouses. The laws of the state(s) of residence at the time of divorce govern; all states recognize divorces granted by any other state. All states impose a minimum time of residence. Typically, a county court’s family division judges petitions for dissolution of marriages.

Prior to the latter decades of the 20th century, a spouse seeking divorce had to show cause and even then might not be able to obtain a divorce. The no-fault divorce “revolution” began in 1969 in California, and was completed in 1985 (New York is the last holdout ). However, most states require some waiting period, typically a 1 to 2 year separation. Fault grounds, when available, are sometimes still sought. This may be done where it reduces the waiting period otherwise required, or possibly in hopes of affecting decisions related to a divorce, such as child custody, child support, or alimony.”

  Problems, suggestions

 

However the an attempt to introduce irretrievable breakdown of marriage as a ground for divorce has met with resistance by women organization on the grounds that husbands would desert their wives and then ask for divorce under breakdown of marriage. Also it has been stated by few that the concept of irretrievable breakdown of marriage is somewhat vague. In answer to first criticism it has to be stated in situation where wife has been deserted it indicates that husband wants to get rid of wife and any continuation of such relationship would not make sense to both the parties to the marriage. However a safety clause can be inserted which would empower the court to refuse divorce if it adversely affects the interests of the children. A provision for maintenance for child and wife should be made. As far as the second objection is concerned, it should be necessary for grant of decree of divorce under this theory that parties had lived separately for reasonably long time say for three years. Living separately can be considered as objective criteria for breakdown of marriage. 

 

The concept of marriage is moving from a sacrament to a contract. The spouse should be granted a right to move out of the wedlock if they cannot live together due to extreme situations. Justice Krishna Iyer in the case of Aboobacker v. Mam stated while the stream of life, lived in marital mutuality, may wash away smaller pebbles, what is to happen if intransigent incompatibility of minds break up the flow of stream. Since the social conditions prevailing in the country are peculiar, sufficient changes are needed to be made in the law made so that law is able to ameliorate the conditions of the people who, in absence of required law are craving for relief and hence would be able to make process of dissolution less excruciating. A question may be asked that when irretrievable breakdown of marriage has been recognized as a ground for divorce by judiciary why we need an amendment in legislation. This is so because amendment would lay down conditions and safe guards, which should be taken into consideration before the grant of any decree. 

It is high time that the Government recognizes the need of the time and save many couples from the disgrace and humiliation by introducing the irretrievable breakdown of marriage as ground for divorce under Section 13 of the Hindu Marriage Act, 1955.”

 

“Divorce law in our country belongs to an era that has long elapsed. But the laws have neither kept pace nor do they take into account the altered socio-economic realities of contemporary India. This is highlighted, once more, by the recent controversy surrounding grounds for divorce following Smriti Shinde’s petition to the apex court urging it to consider granting unilateral divorce when a marriage has irretrievably broken down. The Supreme Court itself is ambivalent about where it stands on the matter.

Under the Hindu Marriage Act or the Special Marriage Act, there are no provisions that recognise “irretrievable breakdown” or “irreconcilable differences” as grounds for granting divorce when it is not a mutually consensual decision. However, in 2006, the apex court granted divorce in the Naveen Kohli vs. Neelu Kohli case, precisely because of irretrievable breakdown of marriage. But, early this year, another SC bench refused to entertain this argument in the Vishnu Dutt Sharma vs. Manju Sharma case. It decided to stick to the letter of the law.

This is as good a time as any for the laws governing divorce to be updated. In doing so, the issue must not be looked at through a moral prism alone. As Indians interface with the world and are exposed to new ideas and opportunities, there is bound to be a social churn, which impacts on personal affairs like marriage and family relations. Add to this the fact that more women today are economically more independent and assertive of their rights and choices. Divorce must be seen as a social reality, unfortunate though it might be, and not as a social evil.

There are of course legitimate concerns that waiving the mutual consent clause to grant divorce in cases of irreparable marital breakdown would put women in a vulnerable position. But that cannot be used as an excuse to deny those who would genuinely benefit from easing the process of obtaining a divorce. As things stand, one has to go through a lengthy, convoluted and extremely stressful procedure to get a divorce. It’s time that changed.”

 

“Feelings of two human beings are involved in a couple’s

married life. This could not be patched up by enforcement of law by courts. It is up to the individuals to mend themselves. A horse can be taken to water but it is the horse that should drink it. However, the law should not deny divorce if the marriage has really broken down. By forcing unity with a hammer in the hand, the law does not serve the sanctity attached to the institution of marriage by religions. If the relationship of husband and wife wrecks beyond repair, what is wrong in recognizing that fact and allow them to live separately. How can one compel a wife or a husband to continue to live with spouse if they have fallen apart? If so compelled they would have to lead miserable life.”

 

Forget everything else, just imagine a scenario in a bedroom of a couple where a Judge is sitting and deciding about the “cruelty” performed or not among the couple. It must be sounding ridiculous and to avoid such embarrassment, Law Commission suggested the amendment in the divorce law itself through recent Report (Report no 217, November 2008): –

 

III.RECOMMENDATION

 

 

I like to highlight some facts in countries, where NO- FAULT (effectively faster & peaceful) divorce exists: –

 

 

 

 

 

 

 

Our legislation is hesitating to amend the law. Nobody wants to disturb the “STATUS CO”. Its human nature to resist any kind of change. A Surgery is done only when that is needed, to avoid some greater pain or loss. If we remember, we in India had customs like “SOTI DAHO PROTHA” (burning the widow with dead husband), which now we can’t even imagine. As we are getting exposed to

the world, we have to ratinolise our thought process and laws, by improvising any outdated system or rule. Staying apart for a

considerable period itself points towards the death of the marriage,

“Divorce” is just the legal nomenclature of that unfortunate incident. No divorce or even cause of any divorce will initiate because of the said amendment, but surely it will decrease the suffering of couple whose divorce already initiated. This amendment is only an addition to the grounds of divorce; no way it can hamper the relationship between a married couple. Mr Moily, honourable law minister of India stated recently :-

 ‘Moily said that the government may consider an amendment in

the law to make disposal of divorce and custody cases time-bound, as has been done for gram nyayalayas. He said that family courts will be given a target of winding up such cases — where mutual consent is absent — within a year of them being filed. He believes litigating couples should be freed quickly from a broken marriage in order to start life afresh.

“There is no need for divorce cases to drag on for years when the marriage has actually broken down. Similarly,children’s custody

cases must be decided in a time-bound manner so that there is no uncertainty over their future,” Moily said.’

I request and appeal to all, to raise voices in favour of the amendment of Divorce Law of India.

 

LAW IS MADE FOR THE PEOPLE.

 

 

 

 

 

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Mortgages Rules For Canadian Home Buyers to Be Tightened

26 March 2010 Categories: general

On July 9th, the Department of Finance moved to tighten Canada’s mortgages markets by announcing changes to the requirements for federally-backed mortgage insurance. The changes set minimum credit scores that home purchasers must meet to qualify for mortgage insurance on so-called ‘high-ratio mortgages” while restricting amortization terms to 35 years and requiring a minimum 5% down payment on mortgages insured through the Canadian Mortgage and Housing Corporation (CMHC) or other government-backed private mortgage insurers.
The tightening of Canada’s mortgage insurance rules, which will take effect on October 15th, is widely seen as a measure to further tighten Canadian mortgages market and forestall the credit problems that have crippled the U.S housing market. In announcing the changes, the Department of Finance characterized them as “a responsible and measured approach by the government to ensure Canada’s housing market remains strong and to reduce the risk of a U. S.-style housing bubble developing in Canada.”
Under the Bank Act, mortgages from federally-regulated lenders, including banks, credit unions, and caisses depots, must be insured where the value of the mortgage exceeds 80% of the value of the property or home being purchased or financed. Such high-ratio mortgages are insured primarily through the Canadian Mortgage and Housing Corporation, a federal Crown Corporation, but also through a handful of private mortgage insurers – Genworth Financial Canada, AIG and PMI Mortgage Insurance. The federal government guarantees the obligations of these mortgage insurers to lenders in the event of their not covering the costs of defaulted mortgages.
Effective October 15th, new federal rules will require that the loan-to-value ratios for federally-backed mortgages not exceed 95%, that amortization periods not exceed 35 years and that prospective borrowers have a minimum credit score of 620 and a debt service ratio (the percentage of income that goes to servicing existing debts and housing costs) of no more than 45%. The new rules will also require evidence of the reasonableness of the mortgaged property’s value and of the borrower’s source and level of income.
The new rule changes come at a time when Canadian real estate markets are already cooling off. Growth in housing prices showed a very moderate 1.1% year-over-year gain in May, according to the latest numbers from the Canadian Real Estate Association, as Canadian markets and consumer expectations have adjusted in response to the constant barrage of bad news about the worst U.S. housing market slump since the Great Depression and sobering forecasts about the state of a Canadian economy that is coming to grips with escalating energy and commodity prices.
The tightening of amortization periods and loan-to-value ratios will likely have a further dampening effect on Canadian housing markets, which already have sharply increased levels of resale and new home listings. However, this dampening effect may not be felt until after October 15th when the new rules come into effect. In the short term, the move to tighten mortgage lending standards could have the opposite effect – providing an impetus for Canadians to take the plunge into highly leveraged, no-money-down mortgages before the October 15th deadline.
(An October 15th implementation date was chosen to give home purchasers with mortgage pre-approvals the opportunity to exercise their options before the pre-approvals expire at the end of their usual 90-day term. Note, also, that the mortgages of existing home owners with high-ratio mortgages, amortization periods in excess of 35 years and substandard credit scores will be grandfathered under the new rules so that they will not be precluded from obtaining mortgage insurance when it comes time to refinance their homes.)
Industry feelings have been mixed about this latest move to ensure the solidity of Canada’s mortgages and housing markets. Most industry analysts applaud the move to ensure that Canadian home purchasers do not get sucked into the same speculative frenzy that fueled the meltdown of U.S housing prices when the sub-prime mortgage market unraveled. Other analysts seem to be expressing the view that this is a case of too-little-too-late or mere window dressing.
Derek Holt, Scotiabank’s vice president of economics, acknowledged that mortgage lending rules had been “modestly tightened” but noted that, “The changes are more about optics.” Meanwhile, a more pessimistic analysis came from BMO Nesbitt Burn’s deputy chief economist, who observed that the rule change is “a bit like closing the barn door after the horse has already run down the road.”
Canada’s mortgages and housing markets have not experienced the wild speculative bubble that erupted and burst south of our border, largely due to much more conservative lending practices here at home. Canadians were not privy to such innovative and speculative mortgage products as the so-called NINJA mortgages (”no income, no job, no assets), where borrowers could qualify for mortgages without adequate proof of income or employment that would enable then to afford the requisite mortgage payments, and only a small percentage of Canadians took out the sub-prime mortgages that scuppered U.S. markets. As a result, the percentage of Canadian mortgages in arrears are at the lowest levels – 0.27 per cent – they have been at since 1990, whereas Americans are facing mortgage foreclosures at a rate not seen since the Great Depression. This tightening of Canada’s mortgage insurance rules seem to be largely a pre-emptive move to reassure Canadian markets and ensure that Canadian home buyers do not go down the same path trodden by snake-bitten home buyers south of the border.

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Afghani Marriage Traditions

25 March 2010 Categories: general

Marriage is the auspicious occasion which demand gathering. The marriage demands celebration and community feast accompanied with lots of thrills.
Afghan marriage is generally accustomed with the traditions and rituals which have been the part of the ancient culture. Though different tribes are accustomed with the somewhat different rituals, but laws remain same throughout the nation.
In Afghanistan, marriage is a much celebrated event where the entire atmosphere hives with activity.
Marriage between the first cousins is a common practice. When the girl attains the age of ten, search for a prospective groom is initiated by the women folk. Mother and aunts meet the female friends to consult various prospective candidates.
The status of the guy, his background and his looks are considered before deciding the issue. The choice is then presented before the men folk and they take necessary inquires before finalizing the alliance. Once everything is found suitable, the pre-wedding ceremonies are performed to give a public approval of the things.
Actual marriage generally takes place when girl attains the age of sixteen.
According to the local tradition, every marriage requires two exchanges. A dowry is brought by the bride to the husband’s house. It generally constitutes household items which the couple will need for their future life together.
On the other side, ‘mahr’ which is the price for the girl is paid by the groom. It generally consists of livestock, property and money.
Wedding day is the day of great activity for the family. Gathering of friends and relatives is held to compliment the couple and their families. Whole environment presents a festive look.
Special dishes are prepared which include kababs grilled on skewers, nan which is Afghan bread in flat and oval shaped, stewed vegetables and rice cooked with meat.
In the evening, women sit inside the courtyard. The men sit in ‘hujara’, which is a large room with Afghan carpets and cushions. Hujara is place where men sit. In Afghanistan and other traditional Islamic cultures, it is customary to have men and women separated at social events.
Every arrangement for the comforts of the guests is done. In the evening, a feast is organized. As is dictated by the Pushtun tradition of hospitability, the hosts will not eat until after the guests have had their fill.
In the end, music is played to mark the atmosphere with gaiety and excitement.
The Afghan laws govern the marriages. A Muslim man can marry a non Muslim woman but a non Muslim woman cannot marry a Muslim man.
When a Muslim man wants to marry a foreign woman who is non-Muslim and the woman is not “kitabi” that is of the book, she must first convert to Islam. In either case, the court will only register the marriage religiously, with the “nekah ceremony”. When both the parties are Muslim, the Family Court will register the marriage and perform the Muslim “nekah”ceremony. The “nekah”is comprised of the “igaba wa qabul” which is an acceptance agreement and the “khotba”.
In case of both non-Muslim foreigners, the court will register the marriage by performing solely the “igaba wa qabul” or acceptance agreement. The court will also seek to apply the regulations which govern marriages in the couples’ home country. Though Afghan law permits polygamy but American men will not be allowed to marry multiple women.
Afghani Marriage Traditions, Afghani Marriage Styles, Afghani Marriage Cultures Afghani Marriage Traditions, Afghani Marriage Styles, Afghani Marriage Wedding Cultures

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How To Choose The Right Mortgage Strategy To Suit Your Situation?

25 March 2010 Categories: general

Finding the right mortgage strategy (pret hypothecaire) can mean a lot to you in the long run. It can save you thousands of dollars over the life of the mortgage loan; on a $100,000 mortgage, it can easily mean as much as $10,000 in total. What you really want to be doing, instead of finding the best mortgage rates is something entirely different.
How do I find the way to choose the right strategy for me?
We have a very easy answer to that question. Get in touch with a specialized mortgage expert who knows how to create customized mortgage solutions for his customers (prêt hypothécaire). The answer is easy, but the reasons for this are not:
- We can’t predict with accuracy the direction of interest rates, or how high or low they will go in the future.
- Economic factors of today must be considered.
- A strategy must be individualized for each client.
Don’t expect anyone who is not experienced to be able to address these issues. To find the right solution, you have to have a mortgage consultant who has the ability to make the proper analyses of the markets as well as your own individual situation.
No one can help you choose the mortgage strategy for you unless he has intimate knowledge of each mortgage strategy that is available (both the good points and the bad points), can calculate where you stand in the interest rate cycle and can make an educated guess about the interest rate directions over the next decade.
The interest rate cycles.
There are essentially three scenarios and two fundamental rules to understand interest rates (all this could take up several volumes, but we’re going to keep it as simple as possible).
Scenarios:
1. Rates are generally increasing (1950-1980)
2. Rates are generally decreasing (1982-2003)
3. Rates are generally stable (2003-2006).
Each of these scenarios demands a particular strategy. It could be disastrous to adopt a strategy conceived for descending rates and then see them climb.
In order to understand and work with these trends, two rules of the economy need to be applied:
1. Interest rates typically follow the inflation rate. This means that if we see the CPI (Consumer Price Index) go up, we can expect an increase in interest rates.
2. Interest rates reflect the health of the economy. In a strong economy, interest rates will be higher because there is more demand for money, and when the economy is less strong, interest rates will be lower.
We cannot predict interest rates with real accuracy, but we know that interest rates over the last thirty years were averaging 9.6%, while they are now around 5%. (pour un prêt hypothécaire)
What are the different strategies?
There are several basic strategies, each able to be combined with several options, and it is often advantageous to combine two strategies to take advantage of the market.
All this to say that it is better to consult an accredited mortgage professional.
The basic mortgage strategies:
Â? 5 times 5 – renew a mortgage five times with a fixed term of five years.
Â? Long-term – a fixed-rate mortgage for 15, 18, or 25 years.
Â? Variable rate – mortgage whose rate changes with the base rate of the Bank of Canada.
Â? ‘Smith Maneuver’ and the cash flow dam – a strategy that allows you to eventually deduct interest paid on a private house from your personal taxes (salaried or self-employed worker).
Â? More retirement – an efficient manner of using the equity in your home to supplement retirement income.
Â? No down payment – This strategy allows one to calculate the savings and buy right away without a down payment, rather than rent an apartment while you accumulate the minimum down payment of 5%.
Â? Less than perfect credit – help repair a poor credit rating in order to obtain an excellent rate in the future.
By comparing these strategies you will learn to appreciate what good mortgage planning can do, and enjoy savings over the entire life of your mortgage (pret hypothecaire).
Don’t forget that a good strategy is 21 times more valuable than simply negotiating the best interest rate.
Each strategy deserves its own personal explanation and should be coupled with your long-term objectives and the current state of the Canadian economy.
All of this points to only one thing-you really need a professional who is looking out for your best interests in order to find the perfect mortgage loan strategy. The best thing about this approach is that you will learn a lot about your situation and the economy, and this education is all free!

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Few Tips Before Going for a Forign Country Tour ?

25 March 2010 Categories: general

Few Tips Before going for A Forign Country Tour ?

Few basic tips for You if you are planning for a Foreign country tour .

1) Buy a side hanging bag in which you can carry your Passport, Visa , Travelers cheque and other documents related to Traveling . Don’t buy a bag which is specially used by Travelers, this will make you look different from other Travelers and save you from pickpocketing and other crime issues.

2) Take care if you are applying for a Foreign Country Visa , your Passport should carry atleast twelve blank pages and it should be valid for minimum five years . if anyone of them is lacking, your application will not be approved .

3) After receiving Visa, make two photocopies of yout Passport and Ticket so that you can keep one with you and other at your House.In case if your original copy is lost or theft You will not face any problem due to that.

4) Don’t forget to make your Travel Insurance before going for a Foreign Country vacation .

5) If you are planning to visit America for vacation then you are not required to carry heavy luggage . You are suggested to have complete information from your airlines company.

6) Do all your shopping like clothes, footwear and other accessories according the weather of your Touring Destination .East Countries have almost one kind of weather every month . Singapore have Monsoon kind of weather,HongKong has cold evenings while UK and USA has different kind of weather So you are suggested to take complete knowledge of weather before selecting your Tour Destination.

7) For countries having winter season, keep overcoat, gloves, proper footwear, body lotion and lip balm etc.
8) Pay special attention before packing your dresses for the tour. avoid packing revealing dresses as this will bring special attention of people to you which may be risky. Islamic countries does not allow wearing revealing dresses for ladies due to their strict laws.

9) Don’t forget to carry your medicines at your tour. If you are going through some special tretment for a long term disease then carry some extra dose of medicines . Also carry few multi-vitamins and anti allergic tablets with you.

10) Carry your mobile instrument with complete safety. Buy a local sim of Your tour destination as it will save you from high roaming charges and help in cost cutting.

11) Carry an updated Diery having all your important numbers . make a list of your residence, office, friend’s numbers including numbers of your Docter, Travel Agent, Taxi service and Ambessy.

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Worst Play of the Day!

24 March 2010 Categories: general

Gus Hansen, has gone through the hand, that really set him back here at Aussie Millions, over and over again. Brought exclusively by Gusâ?? own poker community, theplayr.com, you can read his elaborate analysis of the hand, and why he eventually made the wrong decision – despite having made all the right assumptions.We are on day 2 in the ‘Aussie Millions’ â?? or day 1B if you prefer. Heading down to the tournament area I was feeling good. A beautiful nights sleep, a healthy breakfast and some pretty decent results from my last tournament-endeavours. The stars were aligned as I was aiming for a repeat “Down Under”.Showing up a couple of hours late is not a new-found strategy but a conscious decision for an ante lover like me.

Antes doesn’t arrive until the 3rd level and I arrived just in time for that.Play hums quietly along without me never dropping below 17k or rising above 23k.

I have been laying low watching seat 5, Travis Brown from Winnipeg, Canada, taking charge. He must have busted one or two players before I got moved to table 44, because he had +60k in his chipstack.On a more interesting note I had watched him take stab after stab at small and medium pots continuously adding money to his increasing stack. He had obviously come to play and since he definitely knew what he was doing I wasn’t going to interfere to much with the antes still at a somewhat insignificant level.

Or was I?We are playing 150-300 with a 25 ante and Travis limps 1 off the button. The other aggressive player at the table – seat 6 – limps along on the button and the small blind folds.

and as usual when facing aggressive players I raise just a tad bit more than I normally would – 1,550 it is.

Travis calls but seat 6 folds, so we are ready for a heads-up pot.Flop comesNot exactly gin, but at least I didn’t have to deal with the dreaded Ace. I bet 2,200 into a 3,700 pot leaving myself with 17,500. Travis contemplates for a second or two before calling my bet.Turn:No Heart, no Ace and barring a 9 or the unlikely 87, I was still in front. Without further a’do I checked, planning to push all-in if he made a move. Sadly enough he checked behind me, and I was starting to worry if I had given him a free shot at beating me.River:Time to put the pieces together. It didn’t feel like he was flushing, so a valuebet against JsTs or 77 felt like the right play. I could of course also try to pick up a bluff, if he was holding something like QdJd, but as many times before, I chose the active route.I bet 4,600 only to face an instant all-in from the Canadian. Ups!!!

Suddenly I was looking at a totally different puzzle, and I couldn’t really come up with a good solution to the problem.

I just hate to go broke on a super-small ante level, and I felt that I could still make some noise with my remaining 12,800, so I decided to fold.

Not a very good decision, when Travis then stuck the right up my nose.So where did I go wrong? Well I for sure didn’t earn an A+ for my river play, but I think my “real” mistake came earlier in the hand.

I simply forgot to take my time and put my opponent on a hand. Instead I did a couple of huffs, puffs, yes , no, maybes, and when I finally settled on a play, I made a horrible mistake.Let us go back to the beginning. Preflop play was standard. Continuation bet even more standard. The turn â?? I don’t really mind my play but I made it for the wrong reasons.

After Travis only called the flop, I should with a high degree of certainty have been able to put him on a hand.

Of course I could never put him on Ad 3d also known as the super-bluff-call, but I should have known what he didn’t have.

Let me explain.I had reraised him a couple of hands earlier in the day, where he obediently had let me take down a pot or three. Add in Travis’ strong preference for super-aggressive play, and the solution is right in front of you.

He was basically dying to make a move and the Th 9h 9s flop presented him with a lot of opportunities – especially if he had a heart-draw.He did call 1,250 more preflop, so taking complete funk-balls out of the equation, his heart-draws would be fairly strong.

Ah3h, Ah8h, KhQh, QhJh, 8h7h â?? all of which he for sure would have raised with on the flop.I should have been able to eliminate pretty much all flush-draws once he only called the flop:

If he’d had a strong flush draw on the flop, he’d for sure have raised me there, and if he’d picked up a low flush draw with a pair on the turn, he’d raise me here on the turn. My check on the turn therefore was fine, because he was simply drawing close to dead, and trying to induce a bluff was in order.

He didn’t, so now I could also eliminate the 6h5h, as I don’t think he would have checked a fragile bottom 2 pair behind me.Looking at the 4h on the river, all the remaining small connected heart holdings are gone and a valuebet the most logical follow-up. Calling the all-in reraise is always treacherous as it could be my final decision in the tournament staring elimination right in the eyes.

Analysing it correctly I figured out that he didn’t have hearts â?? what about a 9?Well you will only find a couple of players able to make that play with a 9, when the flush finally got there. That’s only for the Ivey-League players! All respect for Travis, as he definitely played the best poker at the table, but I don’t think he is quite up there in that category.The only possible holdings that could beat me was therefore T9, TT, 99, 66 and 44.

I should have treated my KK as it was as good as gold. My valuebet was fine, and the call of his reraise should have been a ‘gimme’. (automatic call)Getting more than 2 to 1 that your opponent has a bluff versus a full house on the river is in general a winning proposition! With Travis from Winnipeg on the other side of table it sounds even better.

Nonetheless I made the wrong move â?? I folded. Worst play of the day!The fault was all mine and I paid dearly as the same Travis from Winnipeg knocked me out of the tournament 30 minutes later. No repeat, no glory but there will be plenty of chances to redeem myself. First chance is tomorrow in the 100k buy-in cash game.

As they say in Australia “No Worries”.

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Should We Stage our Home?

24 March 2010 Categories: general

I recently met with a couple who are wanting to sell their home, and are considering staging the property before the sale. This has been a popular topic over the past few years, so I thought it might be a good topic for â??ask Johnâ?.

First, letâ??s talk about what staging is. Basically, itâ??s decorating. You decorate the home to make it look nicer, and therefore hope to appeal to the buyers that come through and hopefully get more and/or better offers on the property.

There are several people who now do this as their full time business. They own furniture that they will place into the home (for a fee of course) to help better stage the property. They will do anything from rearranging your current furniture all the way up to painting or renovating of the home. Usually their prices are reasonable and the do good work.

The big question is: â??Does it workâ??

Well, sometimes it does. And sometimes it is a waste of money.

If youâ??ve been reading through other articles on this blog, or my website, or if youâ??ve ever done business with me, youâ??ll know that I hate doing things just for the sake of doing them. I am constantly looking at everything that we do with one question in mind â??Will it help get the home sold?â?

So letâ??s look at staging from this point of view. â??Will it get the home sold?â?

There are some homes that are quite simply ugly. They are either in serious need of cleaning, renovating, or some sort of updating to make it a competitive property. Maybe a couple bought it in the 1960â??s and havenâ??t renovated it since. Original 1965 fixtures and carpets need to goâ?¦

So in these circumstances, staging is not only a good idea. Itâ??s probably the single best thing we can do to help get the home sold for top dollar.

Still, keep in mind that if you price the home low rather than renovating it for the saleâ?¦ well, letâ??s just say thereâ??s a strong market out there for buyers who want to do their own renovations.

But itâ??s not usually these homes that get staged. If the owners were concerned about the appearance of the property, they would have done something about it in the 1970â??s, 1980â??s, 1990â??s, or at least in the last 10 years. But they either donâ??t care, or they couldnâ??t afford to renovate. (If they couldnâ??t afford to renovate then odds are they canâ??t afford a stager either.)

So who does stage their home? Well, itâ??s usually the homes that are already nice and in good shape. Itâ??s owners who take pride in their home and keep it clean. Theyâ??re very conscious of the appearance of the property, and want it to show the absolute best that it can. Those are the people who hire stagers in my experience.

Theyâ??re also the ones who need it the least.

Think of it this way. Whoâ??s most concerned about their grades in school? The kid whoâ??s barely passing with a 51% grade? Or the kid whoâ??s on the honor roll with 90%+ grades all the time? Exactly; itâ??s the brainiac who pays the most attention to her grades because itâ??s something that matters to her. But does she need to worry? Not as much as the kid whoâ??s failing!

The grey area is those of us who have nice homes, but maybe donâ??t have the decorating touch of others. I consider my wife and I to fall into this group. We have a nice home, not a mansion, but a nice home in a great family neighborhood. We keep it clean (OK, my wife keeps it clean.) and generally take some pride in our property. But we havenâ??t been blessed with a decorators touch; we just donâ??t have that gene. WE could benefit from a stager because I know our home would look a heck of a lot better if it was professionally decorated.

But would it garner us more money in a sale? Probably not. Thatâ??s the tough partâ?¦ staging is sold to us in much the same way as beauty products and weight-loss pills are sold. They play on our insecurities, and convince us we can be better with their help. But â??will it help to get the home sold?â?

Think of it this wayâ?¦ would my wife love me any more than she does now if I got hair plugs and lost 10 pounds? I doubt it. But it might make ME feel better. The same goes for your house. Will it sell for any more with paint and nice furniture? Probably not. But it might make YOU feel better about the home youâ??re selling.

If you are considering staging your home before selling it, feel free to give me a shout. Iâ??d be happy to come over and give you a Realtors view of the idea, and honestly tell you if I think staging is something that would help you to sell the property. Maybe an â??outsidersâ? opinion like mine will help you to do the right thing; not just the popular thing. Just donâ??t be offended if I say that you DO need a stagerâ?¦

You can reach me at (780) 701-1904 or through email at john@knock-knock.ca Donâ??t be afraid to call me!

John Carle, RealtorReMax Real Estate Edmontonwww.knock-knock.ca

â??Nice Realtors for Nice Peopleâ?

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