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Our water bill has always been ~$300 every two months ever since moving in two years ago. That should have been a huge red flag to me but truthfully I just set up the account and enabled automatic payments and didn’t bother checking. We’re immigrants and just assumed that was a normal water bill here in Ontario, Canada.Well we just got our latest bill and it’s for about $450. Obviously this struck me as odd so I went digging. Since we have a smart meter it reports usage every hour, and this can be aggregated to daily, monthly, etc. I can see that half way through July our usage shot up and stayed that way since then. This screamed leak to me, so I went hunting around the house for the culprit. Eventually after lifting the lid on all the toilet cisterns I found that the downstairs toilet is leaking. It will drain about 2 inches of water and then refill itself, over and over again, constantly. It’s a bad rubber flapper. It has deteriorated and caused a significant leak. It’s a very quiet toilet and we weren’t exactly listening out for it constantly refilling the tank, and we really don’t use it all that much, so we never noticed. I thought “I’ll just get a new flapper, they’re $10 from Home Depot, it sucks that we paid $150 extra for water but shit happens”.That got me thinking about our regular bill… $300 seems high, no? So I Googled. Reddit threads said people’s average bills were like $100, $150 max. Oh shit. I went and looked at our usage again from last year, way before this leak happened. I looked at the hourly usage. We were using almost exactly the same amount of water during the night hours (12am-7am) than we were in the afternoon hours when a shower/dishwasher/washing machine etc wasn’t running. FUCK! This leak has been costing us for YEARS. Only a month and a half ago did it deteriorate to the point of being noticeable. Our water has had a baseline level of usage, every hour around the clock, for two years just from this one leak.So I figure with the amount we were paying for water over the average for a 2 bedroom household, over a 2 year period, this $10 toilet part has cost us thousands of dollars in excess water use that we just never noticed.Not really sure why I’m posting this, except I think I need to laugh at it as a coping mechanism, and I figure a subreddit for the financially conscious would appreciate a laugh and somebody new to be the butt of the jokes.The engineer in me is now wondering why water companies don’t monitor for a very steady baseline level of usage, especially through the night hours, and send a polite letter or email warning the home owner there might be a leak… I’m sure it’s not in their best interest to sell less of what makes them money, but this is a huge waste of water. via /r/PersonalFinanceCanada https://ift.tt/3BB8unk

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https://ift.tt/3t2TL1H, the French language version of the CBC, published an explosive investigative story here on March 26, 2020, as part of its Enquête series, where five realtors in Montréal each independently agreed to take proceeds of crime derived from Colombian narcotics activities from a buyer from Panama with a criminal record, on a hidden camera, and to obfuscate the transaction in the name of the buyer’s girlfriend, a 20-year-old unemployed student.In the report, available on YouTube (here), Radio-Canada explains that the buyer and the girlfriend are actors. They agreed to wear a hidden camera and microphone and, with the Radio-Canada producer, to meet with realtors in Montréal to view properties that ranged from $1.4 million to $7 million.One of the actor’s task was to disclose to the realtors that he had a criminal record from narcotics activities in Colombia; that he had quite a lot of money from narcotics activities that was moved from Panama to the Bahamas (both money laundering havens) and kept out of Canada.After disclosing his narcotics activities in Colombia, keeping money out of Canada and his criminal record, the second task of the actor was to see if the realtors would facilitate him buying millions of dollars in real estate with proceeds of crime without providing any ID, and if they would agree to put the real estate in the name of his unemployed girlfriend.Amazing reporting and shocking result – every realtor agreed to take proceeds of crime from Panama from a person with a criminal record and who was anonymous, and to keep the buyer’s name off any paperwork, and to register real title in a multi-million dollar property in the name of an unemployed third party.Some of the exchanges between the realtors and the buyer are as follows (translated by us):Buyer: “Are you capable of keeping a secret?”Realtor: “Yes.”Buyer: “Money is not an object for me, ok? The 1990s were golden years for me. I made lots of money. With, ah, Colombia. You follow?”Realtor: “Yes.”Buyer: “I was involved quite a lot in narcotics in the 1990s – I operated in the narcotics world quite a lot and I accumulated quite a lot of money that is, of course, outside of Canada. I was arrested for that. I had to do a bit of time. My money derives from that. I placed it in Panama. Then in the Bahamas.”Realtor: “Ok.“Yes, the realtor says “ok” after learning the guy did time for narcotics activities involving Colombia and parked the money outside of Canada.And there’s more exchanges with other realtors, as follows:Buyer: “You comprehend well that my money comes from drugs; we understand each other eh? And I don’t want anything to show up in Canada; my name appears nowhere in any transaction.”Realtor: “That doesn’t bother me at all.”Buyer: “That does not bother you at all?”Realtor: (Laughs) “My best friend’s husband does the same thing.”Buyer: “We understand each other.”Realtor: “We understand each other**.”**In Enquête, the buyer tells realtors that his girlfriend will buy the real estate through a private company and he will not give his ID. They tell him that’s ok.One realtor promises absolute discretion and says “I’ll even shake on it.” Another realtor suggests that they refrain from using email.One realtor says that in his eyes (meaning in his view), the buyer was not the buyer; the unemployed girlfriend was.Another two exchanges between the fictitious narcotics criminal from Panama and realtors were as follows:Buyer: “If you ask me for ID papers, you won’t get them.”Realtor: “Perfect.”Buyer: “That’s clear.”Realtor: “I won’t even ask you then.”Buyer: “You never saw me.”Realtor: “That’s it.”Buyer: “I don’t exist.”Realtor: “That’s it.”Another realtor:“I have zero problem with that. Absolutely zero problem. Zero. … no, no, no, no, zero problem with that.”Two different realtors, after hearing that the money was from narcotics activities from Colombia and that it had been placed in Panama and then in the Bahamas said it was not for them to judge.Wait what?Actually, it is for the realtors to judge.The Proceeds of Crime (Money Laundering) and Terrorist Financing Act requires that realtors determine if there are reasonable grounds to suspect that a completed or an attempted financial transaction is tied to a predicate offence, which is a subjective determination and hence the realtor must make a judgment call. IOW, the realtor’s job is to judge the transaction’s likelihood to be connected to one of many predicate offences in Canada. There were at least three serious predicate offences staring the realtors in the face – tax evasion, money laundering and drug trafficking.It was snowing in Montreal during the real estate meetings and thus one exchange ends with the buyer, hitting home that he was in the cocaine business in Colombia, saying:Buyer: “The snow … I prefer to see it on a table. Not on the asphalt.”Realtor laughs.Radio-Canada called the realtors a week later and four of the five denied ever having been involved in a situation where a person sought to launder money through them.Some realtors said that they believed that their anti-money laundering and Criminal Code of Canada obligations arose only when there was a real estate offer from the buyer.The realtors, however, had an obligation to obtain, verify and record the identity of the buyer and the third party (the girlfriend) when they became clients, and to report the attempted financial transaction as a suspicious transaction to FINTRAC. There is no law that allows a reporting entity or its employees to obfuscate the parties in a transaction, or ignore third party ID measures. Then there is the issue of knowingly accepting proceeds of crime which is a criminal offence.The Enquête episode in French is below. It ends with commentary about the role of lawyers who practice in the area of real estate law and mentions the concerns with the exemption of lawyers as reporting entities in Canada and the fact that law enforcement has no visibility over the financial transactions of lawyers who have trust accounts.You may be wondering “just how bad are things in Canada when it comes to compliance with the proceeds of crime legislation?”Well, remember the first exchange where the narcotics criminal says “can you keep a secret?” and the realtor says “yes”? The whole of the proceeds of crime legislation in Canada, literally the whole of it, is to not keep a secret.Enquête | Émission spéciale sur l’immobilier:https://www.youtube.com/watch?v=YOgwMuzYvfs via /r/canadahousing https://ift.tt/3jALor6

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Just heard from multiple people they got 20%-100% salary increase either by changing jobs or spontaneously from their employers, very recently.What is going on? Is there some news I missed?I checked glassdoor for salary on software developers in Ontario, and the numbers there seems to be only at 60% of what people are actually getting paid recently. I’m sure this trend of increase is recent. via /r/PersonalFinanceCanada https://ift.tt/38pFLFA

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I know on average these days loyalty to your employer doesn’t pay like it used to, but here’s my situation…Been with company 3 years and am well liked and somewhat essential (but of course replaceable). Boss is chill but I just took 6 weeks parental leave and I know it’s stressing him out (small workplace) me being gone so long.baby is healthy but super colicky and my wife needs help with her and we arent getting any sleep or anything else done lolalso dad just got diagnosed with stage 3 cancer and starting chemo soon so family life is a bit stressful… if i extend my parental leave i have to give 4 weeks notice so that is soonworried my boss will have a heart attack or resent me lol if i do this but i think i need to. thoughts? via /r/PersonalFinanceCanada https://ift.tt/3gzxaos

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https://ift.tt/3gxjcTU 9th, 2021145 Liberal MPs including PM Justin Trudeau voted against such motion (ban foreign buyer/halt money laundering in housing/increase housing supply):[MOTION TEXT – Motion No.135 – June 9th, 2021]That, given that,(i) the cost of housing continues to rise out of reach of Canadians,(ii) current government policy has failed to provide sufficient housing supply,the House call on the government to:(a) examine a temporary freeze on home purchases by non-resident foreign buyers who are squeezing Canadians out of the housing market;(b) replace the government’s failed First-Time Home Buyer Incentive with meaningful action to help first-time homebuyers;(c) strengthen law enforcement tools to halt money laundering;(d) implement tax incentives focused on increasing the supply of purpose-built market rental housing units; and(e) overhaul its housing policy to substantively increase housing supply.All MPs of CPC/NDP/Bloc/GREEN unanimously voted ‘Yes’ to support on this Housing Motion.Please share as this is the unbiased and unequivocal fact. via /r/canadahousing https://ift.tt/3sMS2NV

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So I was having a debate with my friend (we’re both 21 and not looking to move anytime soon), he says he doesn’t want his girlfriend to have any financial responsibility and he’ll handle every bill in case anything goes wrong and they split or divorce later in life. Me on the other hand, I believe finances should include both partners as we’ll have a life together. Is this normal in our current day or am being cheap ? via /r/PersonalFinanceCanada https://ift.tt/3DkzhpU

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I was pulled over recently for touching my phone at a stop light. I know I know. guilty. But just wanted to share with you what the actual process is as a nice little warning. This is what I am dealing with (for context I had a clear record, last time I was pulled over was around 15 years ago and I got a warning):$615 fine, 3 demerit points.Insurance company may raise my ratesI have to drop my license off at Service Ontario and my license is suspended for 3 days.I have to pay a $281 fine to reinstate my license.I have to go to service Ontario to pick up a temporary license until my reinstated one is mailed to me.Anyways, just wanted to share that as a reminder of these laws. They treat you exactly the same as someone reading their phone while driving down the 401. I had heard that the fines are large but did not realize how intense the penalty is. So here is your reminder. Also includes touching your car screen. Want to change a song at a stop light? BAM see you in hell.Edit: here is the Ontario site for anyone wonder with penalties etc.I’m not clear to what extent you can use built in screens while driving or stopped at a light (not relevant to my situation but mentioning it since it’s being discussed below and also I am currently paranoid when it comes to touching the car’s screen). It does not specifically call that out other than gps. Such as clicking “next track” for example in CarPlay.Others have also mentioned that a securely mounted phone allows certain liberties.https://ift.tt/3zebllm via /r/ontario https://ift.tt/3B6eSmi

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