Peter said

Happy to answer any general questions here, or you can send me a private message.  

Ok thanks peter, I will write some up for you and contact you via a PM.

Thanks again for your help,
TD

Top Dogg said
Hi peter,

Thank you for the reply. I just had some questions about it and didn't know where to post them.

Sincerely,
TD  

Happy to answer any general questions here, or you can send me a private message.

Topp Dogg, I have used the cash back website for a few offers. It's very easy to use.

Thank you for the reply. I just had some questions about it and didn't know where to post them.

Sincerely,
TD

I have gotten quite a few comments over the years from forum users who never knew it existed and wish they'd known about it. But I also don't want to integrate it too much. I don't want this forum to turn into a support portal for the cash back website and distract from all the other discussions.

I noticed in recent weeks a new 'Cashback' tab next to the 'Promos' tab on this site. I haven't seen anywhere on the forum to post questions regarding this new 'Cashback' tab.

I was just wondering if any one has started to any of those credit card/savings account promotional offers?

Kind regards,
TD

Rail Baron said

Alberta looks like a good place to die, from this perspective!

Anyone know the probate fees in BC? I'll bet that Norman1 has it at his fingertips.  

Seek And Ye Shall Find ➡️ https://www.bclaws.gov.bc.ca/c.....0_99004_01

Dean

Currently in the process of selling the deceased’s house now.

Rail Baron said
Alberta looks like a good place to die, from this perspective!

Anyone know the probate fees in BC? I'll bet that Norman1 has it at his fingertips.  

https://www.taxtips.ca/willsan.....ritory.htm

FYI, BC is a gouger like Ontario.

For Ontario residents, the avoid probate strategy might still make sense. it did for my wife and family. It's not a stretch to see probate fees before lawyer top $20,000, which is quite the leap vs Alberta. 😉

Although the interest rate hit for Insurance based GIAs vs chasing highest GIC rates, is real, it can be mitigated considerably by a good laddering strategy and the magic of compound interest. In our case we had multiple 5yr GIAs paying over 4%, with top rate being 4.95%, with Manulife. Of course there were others paying considerably less.
Bottom Line: As you pointed out in the Manulife 3.0% Offer thread, for some folks, it's better to accept the Probate, and other fees, than go the route we did. It all depends on the particular situation. For our family, having 100% of MIL's estate covered by Beneficiery designations was the correct one, for a number of reasons.

Anyone know the probate fees in BC? I'll bet that Norman1 has it at his fingertips.

Jim Sherat said

Having never experienced the "probate" process, how does one arrive at the expected fee in Ont. ? Is that $525 for lawyers fees ?, or does a lawyer even have to be involved, if the Will is not being contested ? Also, I assume if the family home is still in the name of the deceased, then that is a whole other complication, with higher Probate fee ? thanks, Norman.

Probate taxes are paid to the provincial court for the probate grant order. Lawyer fees are in addition to the probate taxes.

The tax is based on the value of the assets covered by the order. Each province has a formula.

In Ontario, the probate tax is

• $0 for the first $50,000 of assets and
• $15 for each $1,000 (or part thereof) above $50,000.

The probate tax in Alberta is not as onerous:

A lawyer is not required if one is up to doing all the paperwork. One will need a lawyer or commissioner of oaths to do any required affidavits.

Transaction fees, like land transfer fees and stock brokerage fees, are also extra.

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Bill said
canadian.100, I did the same, move investments to USA and elsewhere, starting around 2016.

It's not so much the governments as the reason, it's just that I suddenly realized the Canadians around me, when I listened to them and watched their voting patterns from municipal up to federal level, seemed (generally) anti-capitalism, anti private sector business development, and more pro-socialism, still do today, so my equities money is now mainly in places where capitalism and corporations are seen as positives and welcomed. Again, just my own super-macro approach, might as well sail with the wind.  

Well expressed! - I am in agreement with your assessment. I also note that so many Canadians are anti-capitalism, and pro-socialism - I believe it is not the way to go.