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And to make it worse, you should see my mortgage contract with HLC; it's so full of spelling and grammatical errors it's scary to think it's a legal document.  And we're not talking the odd spelling error, the document is chocked full of them.. every paragraph has at least two or three. They...

You seem to defend SISIP a little TOO much imo.  You ignore the principal of my initial post, how I was treated by SISIP after my child died, and dwell on defending SISIP about what investments they do and do not offer.  If all you want to do is defend SISIP then you're not going to convince me...

And banks and Investment Brokers do not offer every type of investment, it varies per company/bank. SISIP offers funds, and a limited number of funds at that.  They did not have access to the funds I wanted to invest in (ie specific funds).  I don't believe they offer what the banks offer -...

For someone who's spouse does not drive and likes to walk/bike everywhere during the day, would trenton be the best bet?  Are there any new construction areas walking distance to the base/mfrc?  Or even cycling (within 5 km let's say)?  And what ammenities are near the base (ie grocery store...

I have an opportunity to take a short trip on the Globemaster and would like to take my 2 yr old along with me.  Since I've never been on a Globemaster before I need some feedback on the noise level and it’s appropriateness for a toddler?  How does the noise level compare to a Herc?

Whatever you do DO NOT go with SISIP.  They are a-holes; when our daughter passed away we approached SISIP to invest the money and found they did not handle the type of investments we wanted.  We had previously tried using them for financial counselling (advise) and they said there was nothing...

Glad you are doing well!

When it really comes in at a sweet deal is when you almost have your house paid off and you have no interest on 25K of it for five years :)  I wonder if you only needed 25K mortage if you could use it over the five years for no interest?  If you're not paying any interest on it then it's not...

No it's not new.  It's been around for as long as I can remember.  It's the member's responsibility to read the documents IRP gives you.  If you don't read them, you lose out on a hell of a lot of money.  I can't stress this enough.  Read those books, no matter how thick and boring they appear. ...

I noticed they dropped the prescribed rate to 1%.  Combine that with the 25K no interest and you could get damn close to 0% mortgage.

How common is it for MFRC's to be open weekends and evenings?  I have found one MFRC to be open on Saturdays, but I haven't had the time to phone each one individually and inquire about their hours.  If your local MFRC is open beyond the Monday to Friday daytime hours, please post or message me.

I try to not put myself in situations that would tempt me to cheat.  I love my wife and as much as I like to look at a pretty woman, I could not hurt her like that.

We did this and since we bought a fixxer upper for dirt cheap, we combined the buy down with our interest free home loan for a combined mortgage rate of 0.845%.  And yes, I am bragging!  >:D

How are you doing patriot1112?  It's been six months now and I hope things are starting to get at least a bit easier for you.

HollywoodHitman has some great advice.  I am pm'ing you Havic.

Thanks for the info on the bus.  And thank you for the link, great stuff.

We'll have the same issue in Edmonton.  I have no idea what we'll do, we can't afford to put a second vehicle on the road, especially if we're paying a larger mortage.

Thanks for the quick replies.  So if you had a daughter attending U of Alberta, and wanted to buy a house what areas would you consider?  My daughter won't be driving to Uni, she will be busing or LRT'ing it.  I'd prefer a shorter drive (max of 15/20 mins would be really nice) to work for me vs...

I don't know where else to post this.  Can anyone tell me how long it would take in morning traffic to get from the University of Alberta area to the base?  I'm assuming traffic gets heavy as you get close to the main gate?  And where else would I hit traffic in the morning?  Thanks in advance.

Thanks for posting this.  I had it happen to me and it was, thankfully, short lived but still uncomfortable as a new person to army.ca.