Looking to move out of an apartment, but may not be able to afford a mortgage? There may be a solution.

Looking to move out of an apartment, but may not be able to afford a mortgage? There may be a solution.

Are you interested in moving out of an apartment, or building equity instead of paying rent, but a traditional mortgage isn’t the best choice for you? There may be a solution out there for you that you were unaware of. Foxwood Village is a new development in Hubley that is taking what some might consider an unconventional approach to creating their development. If you buy a home in Foxwood Village, you are buying the house itself, but you will lease the land it sits on.  You pay a monthly rental fee for the land. The rental fee and collateral mortgage payments would still be less than the average traditional mortgage payment.

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Ever wonder why some people have a ‘slip and fall’ and get a big payout?

Ever wonder why some people have a ‘slip and fall’ and get a big payout?

Ever wonder why some people have a ‘slip and fall’ and get a big payout from the business owner where the fall happened, but some people, and sometimes those hurt far worse, don’t get anything? 

Most often these situations are governed by the Occupiers Liability Act, although the common law rule of negligence may also apply. Under the Act, the ‘occupier’, defined as the person who essentially has control over the premises (whether because they own it, rent it or for any other reason have physical control over the premises), has a duty to ensure that any person who legally enters the premises will be reasonably safe.  The key word there is ‘reasonably’.  Obviously no owner/occupier of a property can prevent every potential accident from happening, so the law draws a line between injuries that are as a result of unavoidable, unfortunate accident and which injuries should have been prevented by some action by the owner/occupier. 

 

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Myth-busting Child Support and Custody

Myth-busting Child Support and Custody

Almost everyone has been touched by divorce in some way, so it is not surprising that that so many well-meaning friends and family are eager to give out legal advice during a separation. Unfortunately, their advice is not always accurate or helpful. One commonly repeated myth is that if the parents share equal custody, then no one has to pay child support. 

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Estate Planning for your fur babies 101

Estate Planning for your fur babies 101

As a Golden Retriever Mom, I understand the desire to ensure your pets would be cared for properly if you cross the Rainbow Bridge before they do.  Estate planning will help you accomplish this.  Leaving a letter or talking to your family is not legally binding and opens the door to the possibility that your wishes will be ignored and your pets given away, or worse.

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Buying or Selling? Why you really DO need an agent.

Buying or Selling? Why you really DO need an agent.

Thinking of buying or selling your home? This is one of the largest transactions you will complete in your lifetime, it’s important to get it "right".  A real estate agent can help you do this. These are some of the reasons why:

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Should I Adopt my Step Child?

Should I Adopt my Step Child?

Non-traditional or “blended” families are becoming more and more common in Canadian society. One aspect of this movement is step-child adoption. Before deciding to adopt, it is a good idea to consider meeting with a therapist or a counsellor. In the rush of happiness about your new family it may appear there is no downside to adoption, but this is a big step to take with permanent effects. A counsellor can help you decide if adoption is right for you and the child.

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Need a new mortgage?: The new qualifying rules coming in January

Need a new mortgage?: The new qualifying rules coming in January

There are a several new rules coming into effect on January 1st 2018 that will affect Canadians' ability to get a mortgage, and for what amount. These rules are not limited to people looking to purchase a home with a mortgage, but also apply to those looking to refinance a home. 

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Severance Pay: What am I entitled to after being let go from my job?

Severance Pay: What am I entitled to after being let go from my job?

An unfortunate reality of today’s corporate world is restructuring, outsourcing and downsizing.  For many hard-working employees, the result is lay-offs.  One day you go to the job you’ve devoted yourself to for years and the next you find yourself unemployed with a standardized letter letting you go, along with a request to sign a ‘Release’ in exchange for a severance package.  You are reeling and have no idea if the package they are offering you is what you are entitled to.  This is where an employment lawyer comes in.  Many lawyers, including myself, are happy to meet with people in your shoes to review your situation and give some basic advice as to whether or not the severance package offered is within the acceptable range.

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Yup, you can get jail time for texting and driving.

Yup, you can get jail time for texting and driving.

A simple ‘texting and driving’ google search generates statistics that goes on for pages. It’s simple logic – if you’re looking at something other than the road when you’re driving, you are more likely to have an accident. One stat pops up repeatedly, and paints a pretty scary picture. A driver’s eyes are diverted from the road for an average of 4.6 seconds when reading or sending a text. In 4.6 seconds, with its driver not looking at the road, a car travelling 100km/hour travels the length of a football field. It doesn’t take a lot of creativity to imagine the deadly situations that might crop up on the road in that span. Not surprisingly, the US National Highway Transportation Safety Administration reports that you are 23 times more likely to crash if texting while driving.

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What you need to know if you are hunting in Nova Scotia!

What you need to know if you are hunting in Nova Scotia!

You can obtain a hunter’s license at the N.S. Dept. of Natural Resources, or any approved vendor. You need to renew your hunters licence every year. You must be the age of 18 or older unless you have an adult with you. Hunting season in Nova Scotia is open October 1st until December 5. You are not allowed hunting on Sundays except for November 1st & 8th.

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To buy or not to buy? that is the question

To buy or not to buy? that is the question

Deciding where to live can seem overwhelming. There are a lot of factors that contribute to that choice. What you may not know is that it is not simply a choice between renting OR buying, there is also a third option: buying a home on leased land. This blog focuses on some pros and cons of each to help you decide.

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Finding a new home for your home-based business

Finding a new home for your home-based business

Running your small business out of your home can be convenient and cost-effective options for many. If you’re moving and planning to operate your business out of your home. this blog outlines some important details to consider.

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Making it worse – why you shouldn’t use social media to complain about your ex

Making it worse – why you shouldn’t use social media to complain about your ex

During a meeting last week, a senior family lawyer with over 25 years of experience told me that he tells clients involved in high conflict cases to delete all their social media accounts.  There can be a strong temptation to let the world know just how awful your ex is. This same senior lawyer also said, “people think if they post negative comments about their ex that everyone will agree and take their side.” It is a good idea not to post  anything to social media when you are upset. There is plenty of good research that says we do not make good decisions when we are emotionally charged, and once a post has been sent, there is no taking it back.

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What is a "migration" and why do you care?

What is a "migration" and why do you care?

Many people may have heard the term "migration" with respect to property but have no idea what that means. That’s fair, a lot of people don’t. This blog will give a Coles notes overview of what it is and why it matters to you as a home owner or potential purchaser.

 

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The End of the Road: Understanding Employment Termination

The End of the Road: Understanding Employment Termination

George Costanza, on an episode of Seinfeld, dramatically quit his job during a meeting. Regretting his impulsive decision, he decides to act like it never happened and simply shows up to work the next day. As was often the case, things went badly for George and he did not get his job back.

Employment disputes can be very tricky to deal with because our work is a fundamental part of our identity. Not to mention that jobs are how we put food on the table and a roof over our head. To make matters worse, there are plenty of myths, out of context advice, and some just plain wrong information floating around out there.

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To Incorporate or Not to Incorporate, That Is the Question.

To Incorporate or Not to Incorporate, That Is the Question.

Whether it is time to incorporate is a question often pondered by business people. There are two primary reasons to incorporate a business:

1.       Your business can realize tax savings through utilizing a corporate structure; and

2.       Your business activities are risky and you would like to place this risk on the corporation’s shoulders instead of your own.

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Speeding in school zones: What does "When children are present" even mean?

Speeding in school zones: What does "When children are present" even mean?

Ever drive by a school zone sign and wonder what counts as ‘When Children Are Present’?  It’s even more important to know now that the speed limit in a school zone changed to only 30 km/hr where the speed limit is normally 50 km/hr.  The definition of ‘When Children Are Present’ hasn’t changed.  The School Area Regulations made under the Motor Vehicle Act states that a child is deemed ‘present’ if the child is ‘on land’ within 30 meters of the center line.  There is no time limit to this definition.  If a child is present, the reduced speed limit is in effect 24 hours a day, 7 days a week, 365 days a year.  Therefore, if a child is walking along the side of the road in a school zone at 10:00 pm at night in the middle of August, the school zone reduced speed limits still apply.  The logic is, regardless of the time of year, a school is an area where children congregate, whether it’s for academic learning or other pursuits that make use of the school facilities (sports leagues, drama camp etc.).

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Why finding the right realtor to sell your house matters (a lot!)

Why finding the right realtor to sell your house matters (a lot!)

There are a lot of real estate agents out there, and it can be overwhelming deciding which one is right for you. But the right agent can make a huge difference in your home selling experience.  The right agent can not only make the experience more pleasant, they will likely also be able to sell your house for more and in a shorter amount of time.  To make the decision-making process easier, consider the following

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What does "Accommodating" Breastfeeding Employees Really Mean?

What does "Accommodating" Breastfeeding Employees Really Mean?

One of your valued employees just announced that she is pregnant.  Undoubtedly this will have an impact on your business.  Among the other pregnancy related conversations you should have with your employee, you should also be discussing breastfeeding – specifically, that you are aware that, as an employer, you have an obligation (and are willing) to accommodate the employee’s choice to breastfeed.  Many employers don’t know what ‘accommodating’ involves or even why they should be forced to accommodate an employee who wishes to continue to breastfeed upon return to work (thinking, can’t they just give their baby some formula?) 

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