The Canadian conveyancing system

We’ve found a buyer for our house, and now I’m currently simultaneously negotiating to buy a house in the West Country, and looking for somewhere for us to rent in Edmonton for the next year.

I prefer the Canadian conveyancing system to Britain’s. The main difference is the length of time between an offer being accepted and the parties becoming legally bound to complete (known as exchange of contracts in the UK).

Here in Canada, the contract is signed and the purchaser pays a deposit,  as soon as the vendor has accepted the purchaser’s offer.   The contract contains two dates, the first is the ‘condition date’,  and the second is the ‘completion date’.   The condition date is the date by which  the purchaser must have their finance in place and had the property inspected. At that point the purchaser pays a further deposit.

The date from signing the contract to completion varies but is usually about a month, as in the UK.

This contrasts with the UK, where it is an average of three months between offer and exchange of contracts, during which time the lack of penalty for withdrawal means that transactions often fall through.

The Canadian system works well, partly because Canadian realtors do a lot more than the British estate agent.  Purchasers commonly instruct a realtor to help them look for a property, who will also advise them on finance, make sure they don’t make an offer before finance is in place, and do the negotiating with the vendor’s realtor.

The downside of the Canadian system is that two realtors, for vendor and purchaser, get a cut from the proceeds of sale. We will be paying about 3.5% of the sale price to realtors.  The average estate agents fee in the UK is 1.8%. So, two realtors means twice the fee. But, the Canadian realtor does a lot more for his money. My negotiations to buy a house in Devon have been proceeding at a leisurely pace for nearly a fortnight already. My last offer was not conveyed to the vendors for nearly three days. A similar to and fro of offer and counter-offer, on the sale of our Canadian house, took less than an hour.

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The European Fuel Quality Directive

The following is the substantive part of an email I sent to Norman Baker a couple of days ago:

Dear Norman,

………….

I should have written to you about the Fuel Quality Directive before now.  After all, I am in a unique position as both a member of the Lewes Liberal Democrats, whose MP is responsible for Britain’s vote in the EU on the FQD’s implementation, and a resident of Alberta, home of the tar-sands industry lobbying against implementation.

In 2011, when The Guardian newspaper started reporting that you were going to vote against implementation, I simply did not believe what I was reading. Damian Carrington, who was taking the lead on the issue, is not a journalist whose accuracy I trust (I note in today’s Guardian that, despite reporting on the tar-sands issue for several years, Carrington still thinks that Canada has a president). At first, I treated the reports as so much anti-coalition propaganda, because I could not imagine that you would consider voting against implementation.

I was wrong, but by the time I realized there was substance to the reports, I also knew you were listening to environmental lobbyists, and when you abstained on the vote on implementation I thought you had listened, but were probably constrained from voting for implementation by a promise made to Stephen Harper by David Cameron.  Since it is reported that you may be intending to vote against implementation now, clearly I was wrong again.

These are weak excuses for not having lobbied you on the issue myself, and even though I know that you have spoken with Dr James Hanson, who is a million times more qualified than I am to put the argument for FQD implementation, I want you to know that I think you are mistaken, and are overly influenced by the Canadian and oil industry lobbyists.

If I understand your position correctly (and I’m not sure that I do), you do not want the FQD implemented until it includes all unconventional crudes, not just tar-sands.  Your critics say this will simply push the FQD into the long grass, which is exactly what the oil industry lobbyists want. You deny that this will happen.

I do not know enough about the way the EU works to know whether a no vote by Britain will result in implementation delayed or indefinitely postponed, but two things are obvious to me:

Firstly, the FQD already includes provision for review in 2015, allowing the other unconventional crudes to be added. This undermines your argument, but your only reply is that you have ‘no faith’ in the review.  Why?

Secondly, it is very clear to me, from here in Alberta, that a no vote hands the Canadian Government and the Canadian Association of Petroleum Producers a propaganda coup.  This may seem unimportant compared with the substantive task of reducing the carbon content of European fuel, but it is not. Canada has no realistic plan for reducing its carbon emissions, and no intention of putting one in place.  It would have to close down the tar-sands industry, and nobody in Canada wants to talk about that – and I mean nobody.  There is an air of unreality about most climate change discussion in Canada that is probably best described as ‘the view from Planet Exxon Mobil’, which infects even environmental organisations. So, for example, we have the environmental group Pembina Institute which does good work on some issues, but on the tar-sands talks about ‘responsible development’.  Dr Hansen will have explained to you that there is no responsible development of the tar-sands; the only responsible course of action is no development at all. 350 org has no local groups in Canada.

There are good reasons for the silence about the elephant in the room.  No Canadian, however concerned about climate change, wants his or her house and pension fund to devalue, or to lose his or her job. In the federal election of 2007 the Liberal Party presented Canadians with a ‘green shift’ manifesto which would have used carbon taxes to shift development away from the tar-sands and into green industries. Even then, the Liberal leader Stéphane Dion denied it would prevent tar-sands development, although it certainly would have done. The ‘green shift’ was attacked, not just by the Conservatives, but by the New Democrat Party, who objected to the cost to middle-class families; not mentioning that their preferred option, of a carbon trading scheme, would only have been cost free if it was also as ineffective as Europe’s has been.

The ‘green shift’ was rejected by the electorate. The Liberal party has been very careful since then never to say anything sensible about climate change, and it was at that point Canada adopted the perspective of Planet Exxon Mobil.

To give one example: Thomas Mulcair, leader of the official federal opposition (NDP), visited Washington in March this year, where he compared unsustainable development to slavery, but found himself unable to say whether or not he opposed the Keystone XL pipe-line, even though it is as good an example of unsustainable development as can be found anywhere on Earth.

To give another: Justin Trudeau, newly elected leader of the Liberals, has supported tar-sands development, saying it should be defended when foreign critics call for a halt.  The Liberal website, nonetheless, states that Canada’s energy policy should be sustainable.

The governing politicians of Canada and the Canadian journalists who support them, use rhetoric that makes it clear that they see the emissions issue as purely one of greenwash. They tend to assume that foreign governments are as cynical as themselves – only paying lip service to the issue as a sop to a tiresome green lobby. I have no doubt that is how Stephen Harper sees David Cameron (perhaps rightly), and possibly you Norman.  A no vote will confirm him in that view.

Moreover, it is possible the vote will take place before President Obama has made a decision on the Keystone XL pipeline, sending the wrong message at the wrong time to the USA about the importance Europe places on the issue.

Your advisors may have emphasized the importance of Britain’s friendship with Canada, but true friends are truthful with each other, and in the long run it will not help Canada if it is allowed to continue its delusory path. As you know, Nicholas Stern has recently warned of the risk of ‘stranded assets’, and Canada is at risk of becoming The Country of Stranded Assets. Honest speaking about the tar-sands industry, and a vote in favour of implementation of the FQD,  would be a friendlier act to Canada than giving in to its lobbyists. …………..

There is one point I wish I had included in the email, which is that it is a very strange situation, when a Liberal Democrat MP expresses a lack of faith in the ability of the EU to do what it says it is going to do (carry out a review of the FQD in 2015), but no such scepticism is being expressed by Greenpeace.

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Commemorating Thatcher

So the bells of Big Ben are to be silenced.  What else?  There’s the suggestions of a statue in Trafalgar Square and a USA style library.  Maybe we should have a national holiday on her birthday, a two minute silence every anniversary of her death, and a flag day in her honour.  Maybe they could insert a special prayer for Thatcher’s soul into the CofE prayer book. There are so many ways in which we can not only honour Maggie more, but devalue the memories of really great Britons like Churchill, and cheapen our traditional ways of registering respect and remembrance.

After all, as Cameron has pointed out, the world has expectations, and we are nothing more than a theme park nowadays, so what the hell.

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Thatcher

My first reaction to Thatcher’s death was that of someone with a mother the same age.  My mum does not suffer from dementia, and although she lives on her own, she has a very active and enjoyable social life.  Even so, I was touched by Russell Brand’s account of how he came across Thatcher with her minders watering roses in the Temple gardens.  It was the picture of a lonely and sick old woman whose children live abroad, just as I live 4,000 miles away from my old mum.

When Thatcher was in power I was much further to the left than I am now, and I opposed many of her policies, such as privatisation, that I would support now. Many on the left seem to view the time before Thatcher through rose tinted glasses, usually because they didn’t live through it.  However divisive Thatcher was, she wasn’t as divisive as the trade-unions. Some on the left also want to blame her for all the ills of our society today, including, bizarrely (since she shut the coal mines), our “high carbon” economy.

During the time she was in power, my own politics drifted to the centre, mainly because even as I was opposing her policies out of loyalty to my political creed, I was privately seeing the sense of some of them. Nevertheless, I think she got a number of big things very wrong, particularly on the economy. She encouraged the growth of home ownership, without seeing that down the line it would cause a housing crisis.  She also encouraged people on medium incomes to invest in shares.  People forget that prior to Thatcher, the advice to people on medium incomes was to stick to buy a house but keep your savings in cash, in banks and building societies. I took Thatcher’s advice on that, and wish I hadn’t.  My private pension funds, which included Equitable Life (thanks for the £72 compensation), savings bonds and unit trusts, have overall been bad investments.

What sticks in my mind about the Thatcher years was when she took away support from jobless teenagers living at home, which resulted for a while in a huge influx of homeless youngsters on the streets of London, as they were turned out by families that could not, or would not, afford to keep them. When I went out for the evening I used to try to make sure I had a handful of pound coins to give to the kids who were begging round the South Bank. Many of the young girls must have ended up being exploited sexually, and at the time I called Thatcher “Britain’s Biggest Pimp”. To my mind, it remains the worst thing she did, even though it seems to have been forgotten now. And, she did it because she was the kind of person who simply doesn’t care if a sixteen year old girl is forced into prostitution because she has no other means of support.

That was the real Thatcher, not the high minded Christian (the suggestion she represented the values of Methodism is an insult to Methodism), but someone who wanted the British to give up their old values of caring for the weak and thriftiness, and become callous minded chancers and gamblers like her.  You only have to look at her son’s career to see the kind of family the Thatchers really were.

I think the state-funeral-in-all-but-name is an absolute disgrace. This is a Tory party jamboree being paid for by the tax-payer. Parliament should not have been recalled, the Queen should not be going, and the military should not be involved.

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London to Carcassonne the Slow Way.

I chose to travel on Easter Monday, even though this added to the cost of the rail journey which normally  compares favourably with Ryanair, but not on a bank holiday. Additionally, because of my strained foot I decided to treat myself to taxis between Victoria and St Pancras, and between Gare du Nord and Gare d’Austerlitz rather than negotiate the tube and metro, so this was a more expensive journey than normal.

At Gare du Nord I wanted to put my bags in a locker while I went for a meal, but I did not have the requisite €9.50.  The change machines were all out of order, and the Exchange and Tabac were refusing to change notes.  I had to buy a bar of chocolate at the tabac and an expresso at a café to  get enough coins.  Meanwhile I’d been forced to leave my bags in an unlocked locker because I was not up to  hauling them up and down stairs more than once. Gare du Nord has now replaced Brussels South as my least favourite European railway station.

Any stress I felt was soon dissipated by my delightful experience at Terminus Nord.  I’ve read varying reviews of this restaurant on the web, but I have nothing but good to say about it. The interior is a mirrored art-deco, and service is old-fashioned, as is the menu.  In contrast their web presence is up to date and I’d been able to book in advance. I had their Easter special set menu: six oysters and a glass of champagne, lamb and beans with a glass of red wine, and a strawberry dessert followed by an espresso.

Gare d’Austerlitz has a toilet with shower facility, which I noted for my journey back in three weeks time. I got the night train to Toulouse.  There is a night train that goes straight to Carcassonne, but it leaves earlier and arrives very early in the morning.  I’d decided I preferred to leave later, change at Toulouse for Carcassonne, and arrive at 8 am by which time there was bound to be a café open for breakfast.

I had only been able to get a place in a six berth couchette.  A four berth is much preferable.  There is not enough room to store luggage in a six berth and it ends up all over the floor between the bunks.  This was challenging for me because of my bad foot.  On boarding I made sure I was the first in the carriage and got myself sorted and into my bunk before anyone else arrived and started dumping their bags on the floor, but in the morning I needed to be the first out at Toulouse so that I could get my connection to Carcassonne. Extricating my baggage from underneath everyone else’s required superhuman feats of one legged gymnastics.  I felt I’d earned a medal by the time I’d got my bags to the door of the carriage. The change of trains at Toulouse was very easy, because there was no need to change platforms.  There was only ten minutes between trains but this was plenty of time.  If I do the journey again, I will leave time to do some sightseeing in Toulouse; I would like to see the cathedral which was part of the Santiago de Compostela pilgrimage route.

At Carcassonne I had to get my bags down into a subway to exit the station, but two young people helped me.  It is a small station with little in the way of facilities; it has an extraordinary loo, which cleverly combines the least desirable features of loos past and present, and no left luggage lockers. However, less than a hundred yards away, as I hoped,  there was a brasserie, La Rotunde, open for breakfast.

The other two guests at La Muse both flew with Ryanair.  They’d made very early morning journeys to Stansted for the two hour check-in before a ten o’clock flight. They had certainly spent less time travelling, but they were more sleep deprived than I was. I’d slept quite well in my couchette.

Overall verdict: On cost, if you are not travelling on a bank holiday the difference in fare between Ryanair and the train is not significant. The scenic value of the trip is limited, although the countryside on the approach to Carcassonne is pretty enough, but you do get an evening in Paris.  On time compared with the Ryanair flight, that depends on where you are coming from.  Ryanair was quicker for the two Londoners who could set out earlier in the morning, but for me, from Sussex, the only viable option would have been to stay overnight at the airport hotel, making the air journey just as lengthy as the journey by rail. And of course, one must never forget that the environmental cost is much higher by air.

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Foster parents

What a good initiative by Ealing Council.  Foster parents are always in short supply, and offering the incentive of avoiding the bedroom tax is a good move to recruit more.

What is Nick Clegg’s problem?

As for Mr Millican, leader of Ealing Conservatives, his remarks surely qualify as ignorant comment, by a politician who should know better, of the week.

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Staging

Our realtor decided to advise me himself on how to “stage” our property, since he had been unable to find a professional designer in the time available.  I’m being awkward deciding to put the house on the market a fortnight before I go to Europe for six weeks; in Canada marketing a property is something that is usually planned and prepared months in advance. When the realtor told me he’d give the staging advice himself I was secretly relieved, because I suspected the chance I’d establish a rapport with a professional designer was slimmer than Keira Knightley.

He arrived yesterday and went round the house telling me to put a lot of stuff in our huge basement storage room, take up rugs, clear counters and so on. He insists on getting rid of our old battered sofa. We’re attached to that sofa, and so are our cats (sometimes literally), so it will be a wrench. Ian and I spent time yesterday evening reminiscing about all the good times we’ve had on the sofa and the cats that have used it.  We had one very small cat, whom we named Small, for whom our giant sofa was almost her entire territory. All the throwing and packing away and rearranging, as well as the cleaning  has to be done by Thursday when the photos are being taken. It would be  a lot to do even if I wasn’t hobbling around with a swollen right foot and a dodgy left knee, plus toothache, so I enlisted the help of a neighbour, who was wonderful this afternoon taking boxes downstairs after I’d packed them.  Another neighbour will help Ian move the sofa into the garage tomorrow evening.

We already have a key safe attached to our front door.  This will be used by the realtors for prospective buyers when they (not our realtor) show the house. The home owner is expected to vacate the property during the viewings.  If the owner makes a quick exit there is the risk of a Marie Celeste effect. When we were house hunting, the main bedroom of one home we looked at had a still warm bed with an oxygen tank next to it.  It worried me wondering where they’d hidden the emphysema patient. Was he sitting wheezing in his wheelchair in the garage?

When were first shown round this house, we were puzzled by the apparently spartan lifestyle of the owners (whom we have since met — they are charming and normal).  The house was so bare of furniture and possessions, we wondered if they belonged to a strict religious sect. Now I realize it was just the “staging”.

 

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