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Re: Unusually Cold for Toronto in Dec What's the big deal? I just experienced -30 in Calgary. My kids love the snow. They always want to snow slide after school.

http://www.theprovince.com/business/Higher+rates+lurk+ahead+Carney+warns/3973355/story.html Higher rates lurk ahead, Carney warns 'Brutal reckoning' could hit homeowners, businesses Many new immigrants bought houses upon landing.

Tim Horton's franchise. That is if you can spare at least C$500,000; you are unlikely to get bank loan as a new immigrant without a credit history. Tim Horton's selects new applicants.

Calgary this morning -30, now -25. Just wear proper clothing, no big deal. In the house, a nice +23

Just drive slowly with winter tires. Roads cleared by snow-clearing trucks.

Yes, stay liquid. It's all about timing.

Calgary this morning was -24C, now -18C. No big deal. Below -10C, without wind chill, you don't feel the difference. In fact, I love the cold weather here. Just wear layers, and no problem. Very nice weather to sleep.

http://www.theglobeandmail.com/news/national/british-columbia/vancouvers-olympic-village-goes-into-receivership/article1803471/ http://www.youtube.com/watch?v=I5B3j25B6s0 "The Lehman Bros. of real estate"..... Don't worry, PRC with suitcases of cash to the rescue.:D

I am seeing more foreclosure listings in the realtors' weekly/monthly free magazines in Calgary. Is Canada following its Big Brother down south?

Will the Canadian govt. tax my CPF money when I take it out after getting my Canadian citizenship?

I know one Vietnamese welder who came to Calgary about 18 years ago under family sponsorship program. Without any formal education and just a smattering of English, when he arrived, he only managed to work as a dishwasher; his own kind exploited him with minimum wage and maximum work...

Anyone else is disappointed after having emigrated? 250,000 got Canadian PR annually. Don't they know what awaits them?

Now is a bad time to buy a house in Canada. Canada is making the same mistakes as U.S., but expects different outcome. Canadians with no money down( zero deposit), some with 40 years amortization, can buy houses. It will not ends well.

Hi Pohchuan, Put each leg in each sampan is not getting you anywhere. 100% sure capsize wan.

Hi Pohchuan, In my opinion, your plan is not feasible. Both of you are still paying mortgages for the HDB flats. Power-of-attorney? What happen if you can't get tenant for months? It is better to sell immediately; get some cash, and the remainder back to your CPF. After 3 years(out...

Pohchuan, you(and your ex-wife) need to appoint someone trustworthy as your power-of-attorney for your(and your ex-wife) flat(s). Since both of you are already divorced, what make you so sure that in future one(or both) of you will not remarry. I predict you will return to S'pore within one...

Many ex-Singaporeans in Edmonton. Any in Calgary?

Hi Neddy, I think it is an excellent idea. I am in Calgary, Alberta.

Thank you. Thank you. You are so generous with your blessings. So many of them.

Alberta sales tax =0, federal sales tax=5%(lower than Sinkapore):D Good................................................................................bye S'pore! Hello Canada!