Guys, I would like to add my wife to the ownership of the house we are currenlty live in. I'm answering on the interpretation that he's the only name on the title. Receipts are probate fee, obituary, oil for her house, memory box and engraving for ashes etc...Thank you for your time and this blog! My father's Bank would not speak to me until I receive my Certificate of Estate trustee. Hi Lynn,I have been married to my husband for 10 years and we have two kids. She is within her rights to keep others out until she either removes all of the contents herself or distributes them to the beneficiaries. What are my rights if something happen to him? He said that I could sign a specific form that will allow me to put my daughters name on my house and bank accounts that indicate it is only for estate planning and she cannot sell my house nor could her creditors touch my accounts. Note her will was joint executors and joint beneficiaries.After the damage the youngest son did there was nothing left for the joint beneficiary, except the funeral bill he paid.These actual events, should be enough to change anyone's mind about adding your children to the title of your home or to your accounts. My brother has put our father on the title of his property. We heard over and over from her and others, that made her sad. But would I have to pay fees etc once she passes away etc. Any of these things is possible so it's a good idea to find the paperwork (or do a search online) to read the fine print.Lynne. Question 2 the bank which has my moms estate account will not give my brother, the executor, access and are requiring us to submit receipts for funeral, obituary, probate etc to them for payment. The house has both our names on it. "How easy is it to add someone to the title of my house? Contact us or set up an eTaxBC account to find out your current balance. If absolutely needed for some specific reason but do not want to transfer legal ownership, you could possibly document with a bare trust declaration - but definitely not ideal and doesn't help you if probate avoidance is the goal (which rarely should be the primary/only goal). Lynne, At the moment, the property is only in my husband nameWe have a home with acreage near Frederick NBWe live in BCCan we add both names to the property-title if just my husband name is the only one on the mortgage? Lynne, the goal is to have time to clear out the unoccupied (15 years) house owned by my 97 year old aunt, still of sound mind, for whom I have sole POA for property, joint POA for health (with a cousin) and I am an executrix, joint with yet another cousin, who is an executor. Practical, real-world information about wills, estates, inheritance, executors, and elder law in Canada. I know this is an old question but your answer seems lacking of the basic component. The difference is that you can have an agreement just about the property, or you can have a co-hab agreement that could potentially cover every asset you own or will get while you're with her.Lynne, Here I am replying to my own reply, but I want to add that you cannot think about this as simply "adding" her to your title. This son took his mom to the cleaners in every sense of the word.The eldest son, ended up paying for the funeral, but the youngest showed up and he and his wife put on a show.A week after the funeral, the sons went to the bank and the bank played right into his thieving hands by suggesting no estate account just deposit any estate cheques to her existing account joint with the one son. I also want to say its for taking responsibly to pay the mortage if he passes and raise are dughter in it plus the boker said she never heard of this before and said no it can't be done but they have a letter saying I am paying the amount of the mortagae to my partner so he can pay them but being his creit is cleared and mine I belive I own still on one just never even thought of it but with that being said we go sign the document soon and want this done this way as joint tenantey as the documnet the lawyer sent over told him to fill it out the title papers which I do all the the paper work with being the brains no offence to my parnter and there is none taken from him and we wanf this done also for the children to have when we both die and not have the bank take it just becsue of something so simple that they already know about also the fact that is something were to happened and I have to take care of this payment my self which I am and hes payi g the nills which we deside to do and that this loan would be for me to pay off and that would be my share onto the home. As I said, I offer this as a consideration only since I don't know anything else about your financial situation or your son's situation. The 36-year-old leadership consultants were renting the third floor of a 110-year-old house in Vancouver for $1,700 a month. Even if the house was the one and only asset in the estate, the probate fee comes off the proceeds, which are split 50/50. My wife did not work then. What can we do? Lynne, It is not a comet but question. I'm investigating the finances because I find issues and need to fix them. Lynne is the Chair of the Wills and Estates section of the Bar Admission Course for Newfoundland and Labrador. I put my elder son as Right of survival ship on title .Also wrote my intention that it should be given to him He has his own principal residence What are the consequences or it will go smooth after my death.Is it better to add my 6 years old grand son instead, Hi RQ,No, a 6-year-old can't own real estate.In terms of things going smoothly, it sounds as though you are trying to ensure that the property goes to your son without disputes. This person(s) may be an adult child or children, a close friend or an acquaintance. On the side, he owns a condo before we got married and he has full ownership of it. It's usually a mess, and it often takes a lawsuit to figure it out.Lynne, Thank you for this kind and helpful reply. You and your girlfriend can distill your plans about the property into a signed agreement. Within reason, of course. He certainly was not working for me. He has now met a lady 10 years younger and are now talking about marriage . Can it be done at anytime or is this a question that I should be asking a bank?" This process is not about if you have changed your name and just need to update your name on title. I don't know many lawyers in BC, sorry, and for sure I don't know any who deal with fraud like this. My intent is to add my daughter to the property title so that on my spouse's and my death, our daughter will already be on title. Answer Save. Parents both on mother needs to go into assisted living once the covid settles down.As executor I have put the house title into my moms name only should I have added my name to the property? If so, you can all sign a transfer/indenture (from 3 people to 2) and file it at the land titles office.Lynne, We spoke w a lawyer to request putting me ...the wife....on title of my husband home and the lawyer said it would require two separate lawyers to facilitate the transaction...I thought this sounded bizarre as there is no purchase and sale happening. As executor for your father's estate, you can transfer his property as directed by his will. This means that if your father's brother does not honour the verbal agreement for some reason, the estate is going to have a very difficult time enforcing its claim. (Whole different dramma). the mortgage was only in my husbands name. I have a live in girlfriend and she want to contribute to the expense of the mortgage, taxes and other bills. I can't give advice to someone when I haven't seen their documents and I know nothing about them, but I can comment on how the general rules should apply. You (“the transferor”) are legally transferring an interest in the property to the other person (“the transferee”). In my experience, people call everything with more than one name a "joint tenancy" without appreciating the difference between the various ways there can be more than one name on a title. We are buying a condo and my husband is getting mortgage. If your home is owned free and clear, then you'll just need to complete a new deed in both names that will replace the current deed. Powered by. Only tenants in common have the right to transfer their percentage of ownership. Owing the house does not mean owning the contents. When we got engaged, we spoke about it and said that if we ever wanted to own a home/live in a home, now's the time as we would never be able to afford it in Toronto. The first thing to consider when adding someone to a home title is whether or not you own your home outright. I live in now and since we are having issues with the bank I went to see my own lawyer about solidifying my estate. As a side note: I'm amazed how many silver-haired foxes have come out of the woodwork to try to sway my father into a relationship since my mother died. Hi Lynne,I own a house (single ownership). It all changed in 2007 with two cases from the Supreme Court of Canada, one called Pecore and the other called Saylor. In the case where my father's brother were to die before my father, does his estate have a right to my father's home? If when he dies what is the best way to handle the house. Lynne, Hi LynneMy partner is really sick, we have a will but lost the original copy, we have been in a common law relationship for over twenty years.We were thinking of adding my name to the property title so that it would be easy for me to take over.What's the easiest way to transfer the property to me, our will is 15 years old, should we renew it.Also whats involved with inheritance of a property through a will, like how to proceed with the inheritance, is it automatic, or is there paper work involved.Thanks, Hi Richard,There is always paperwork involved in transferring title to a property, whether there is a will or not. Could I add mynew wife to title with out the consent of my exwife? If your son's name is also on it, his 1/3 will likely not be taxable if it's his principal residence. In a perfect world there'd be "no issue" but none of the clients I see live in a perfect world.Lynne. Go down to the Land Titles Office (2 nd floor, 710 – 4 th Ave SW) with your documents, forms completed, all people who are on title of your home, the person (s) you are adding PLUS someone to witness everything. I would continue to live in it. How will they handle it if one wants to sell and the other doesn't? Just to make sure that you are fully advised and informed, see a lawyer in your province to talk about how the law treats a matrimonial residence. The things you are reading used to be right. Hi Lynne.I have a mortgage on a home with my partner as joint tennants. In 2016 my husband obtained his mom's Power of Attorney, but because the account was joint with his brother the bank denied the power of attorney unless the brother joint on account gave permission. Five years of bank statements revealed a lot about his younger brother, lump sums over the years had been transferred from his mom's account to accounts in his brother's name. But we will both pay for the mortgage equally. I am removing my name from the house and mortgage for personal reasons and my father will be adding his brother instead because my father does not have an income. How to co-buy a home with your friend in Canada's expensive market Back to video. The Affidavit will set forth the details of the Estate including the fees the executor is seeking.There is an email I received informing me accounts were passed but the covid19 is slowing things down.Whatch for my future post on how much was paid out to each lawyer, and the executor. If avoiding it was that easy, everyone would do it.Lynne. Remove a deceased joint tenant. If you'd like to schedule a time for a chat, please call 709-221-5511. There is no reason for you to OWN the house in order to sell it for her. Learn how to add someone to a home title in this week’s blog. I live in Ontario. Ethereal theme. The fact that you are taking care to equalize the help you are giving your children is also an important factor. Use what you read here as a starting point for your research or enquiries. You know the saying... with friends like those, who needs enemies? I curently live in the house with my new wife of almost 2 years.Questions:1. Lynne is a lawyer, mediator, seminar presenter, and writer based in St. John's, NL. Adding the name only gives him an ownership interest in the house both currently and in the future, while your own ownership interest would still be subject to probate. My father in law helped with the downpayment (less than 20%) and put his name on the deed with my wife. If the lender approves the transfer, you can proceed with your deed. You might ask, when you call of the cost for their service. I can do that immediately if you see any loopholes. How do we remove his name from the title? If his mother really is a joint tenant and she dies first, there is nothing to go to her estate. I have read almost everywhere this can be done, one name on the mortgage and 2 name on the title. This is such a stressful time for her emotionally, physically and I wanted to try to take some of this burden off from her, But after reading your very informative posts. Seems to me that either of those things, even though legally they are opposites, could be described as "estate reasons". Her name is also on title as a joint tennant however it was mentioned that upon her death her portion goes to her estate which I believe is not reflective of a joint tennancy agreement. Those articles are either from another jurisdiction, are out of date, or are simply wrong. Thank you. I was devastated. I am not sure if there is anything else I can do do avoid my sister getting a hold of her share of my Mom's Estate. So as long as the intent is correctly documented and declared, there should be no issue. I am wondering if there is a safe way to set parameters in a legally binding contract stating that say 130,000 will be given to me in the event of a sale, and the remainder will be split 50/50 whether we end up married or not. Or should we just leave it alone, with her bequeathing the cottage and property to me in her will? Hi there…read a few of the postings here and thought I ask about our story: it’s a brady bunch situation…divorced Mom of 3 boys meets widowed Dad of 3 boys – they marry, they celebrate 30 some odd years together as husband and wife. A title may also be transferred to one or more individuals or corporations. Why would this be done and would our elderly (87 yr old) father have any fiancial obligations? Would it make sense to be joint tenant? We've made money gifts to our other children to help them buy their first homes or condos in the past, and we have all agreed it would be good for this one to inherit this house. I think that my sister will get her 20% share of Mom's home. But what about capital gains tax? Parents if for no other reason, consider all of your family members before making such a huge mistakes. Standard practice. Should something happen to him before me, is there anything my kids and I would own or are there legal complications since there is no Will, no Deed or POAYour help would be greatly appreciated. Well, I would never be so foolish as to advise someone on the basis of a few lines of text to divorce her husband or not. Does she have a will? If I pass away would the house automatically go to my wife or do I need to create a will for that?ThanksRohit, Hi Rohit,That depends on where you live. Is it possible to do this and avoid LTT? Thank you so much :). Or is she in fact entitled to 50% when Mom passes? Does she live common law? Secondly, I am an only child. Her name is also on title as a joint tennant however it was mentioned that upon her death her portion goes to her estate which I believe is not reflective of a joint tennancy agreement. This grandmother and grand child have been close since the day the grand son was born. After reading your blog, it seems the idea we had to add our two children's names on the deed is not a good one?!? My father died in 1992 and my mother's will leaves the property to me. Merry Christmas, friends. she will not be able to empty my accounts, her creditors can't touch the accounts nor can she sell the house from under me. He used the money from the sale of their home to purchase a home in Nfld.My sister and I had great concern should he meet someone new who didn't have the best intentions or their own financial means to support themselves therefore becoming dependant on my father for everything including his home and property.So we thought in order to protect him from any kind of ill will we suggested he put one of us on the dead of new home at which time he decided to put both my sister and I on the deed. I know your other blog is full about beneficiaries inheritances so if I may a second question......the bank holding the estate account is dragging their heels on paying out debts occurred by the beneficiaries and are not giving the executor access to he estate account. The following forms are the most common documents used to change ownership of land or property. If I buy a house in my name, then in a few years I want to add my wife/common lay partner to the title of the house, what is the process? Essentially, she is willing to pay 1/3 of the bills and mortgage. The Dad passes away and leaves a will. A co-hab agreement usually covers more than just that, so maybe a co-hab isn't what you're looking for. It doesn't help that some holders of assets such as banks are being reluctant and slow to apply the new rules and are giving inconsistent information to consumers.I warn people off doing it because having the kid's name on the property causes confusion and resentment among the kids. Add your spouse to your tax deferment agreement, Employment, business and economic development, Birth, adoption, death, marriage and divorce, Birth, adoption, death and marriage reports, Environmental protection and sustainability, Emergency Preparedness, Response & Recovery, Municipal Revitalization Provincial Property Tax Exemption, application and amending agreement (FIN 54) (PDF), Application and Amending Agreement for Adding a Spouse to a Property Tax Deferment Agreement (FIN 54) (PDF), The last Statement of Account you received, Return your application and amending agreement form, Provide a Consent Letter agreeing to the title change. I think we can both agree that their solution might work for them but in no possible way protects you.Lynne. Thank you Lynne! Yes, the will is going to have to go through probate. So as you can see, there is no answer that applies to all provinces and territories.Lynne. If I want to leave my new wife the house in my Will will she legaly own half the house or would my ex with have the3. Is this legal? I have asked my husband to add my name on the deed of the house and a partner in the business corporation, however he finds it weird that I ask him to do that. All you need to do is have a grant deed prepared, sign it in front of a notary public, and then have it recorded. What are the steps, I can't tell you how long it will be because you have to let the local land titles office process the purchase of the house by your husband. But say I die first, and my spouse remarries or takes a common-law partner; is there not a danger then that she would come to inherit at least some of the estate? This story reveals all the reasons to never add your children to the title of your home or joint on your bank accounts. My spouse & I are care givers to our daughter who is receiving Ontario Disability Support Benefits. They are not savey and don't understand legal stuff. Can someone please tell me the steps involved in doing so. Thank you for any information that you can provide.Lisa, 2109 Lynne Butler. She has since passed away. Many thanks. I also help him in his business whenever I get time in between the home, kids and my work. It causes delays while they try to figure out how a will that says they each get an equal share works when one gets the house. I could not believe that my Lawyer, any Lawyer, would have suggested that. And if we do that - am I correct that I will then owe non-resident capital gains tax on the increase in the property's value from 1959 until whatever year my mother passes away? Hi Lynn can you help me with this question is this true can 2 names be on the title and one on the mortgage.In Canada Ontario? It's possible that there is an arrangement whereby his mother is a joint tenant with 1/3 of the title, with the other 2/3 being held by you and your partner as joint tenants. How nice of them to give you advice to create legal rights for your wife and change your rights respecting what is probably your largest asset. I wish I could help. has declared a state of emergency. Is severing the title a possibility? That waiver doesn't cover the contents of the condo or any other property such as bank accounts.Best of luckLynne, Hello Lynne,Must say this has been very helpful.It's cleared up a few nuances but I still have an open question.My parents have multiple properties and a primary & secondary home.They would like that I build a house on a lot next to their current secondary home so that they can live out their remaining days there. We have an only child, whom both of us agree shall inherit the property. Ok I have a question I own my place I'm the only one on the title but I want to sell my place but me and my ex are no longer together we use to be common law do I have to give her anything. It's a much better idea to deal with this now than wait until a break-up when people are mad at each other about unrelated matters. All I can say is that you should remember the bank's focus is on their profit and not on your legal rights, so think long and hard before adding your son to the title.Lynne, Hi Lynne, I am legally married to my husband for almost 6years now. Perhaps it's a conversation you could have with your accountant, too.Lynne. Not sure what to do. People also refer to transferring a name on title as changing names on title. If you own a house with a mortgage and note on it, and then add someone to title (deed) you may have broken the terms of the mortgage and given the lender the right to foreclose. Co-hab agreements can be a mess but that is certainly not always the case. My question as well. If you are executor for your mother, since she is not dead you have no authority to do anything.Lynne. It was not until 2017 he finally convinced a branch manager to add the Power of Attorney to the account as view only. Should I add my child's name to the title of my house to avoid tax in the future? This may be the case with your partner. When owners appear as joint tenants on a title, the surviving owner is automatically entitled to ownership of the property (unless the title specifies 'no survivorship' in the ownership structure). i find it hard to deal with government officials at time as they only want to speak to the owner of the property. A Grant Deed immediately transfers all of your interest, ownership and right in the property. I only wish that bankers would stop giving legal advice such as "you should add your wife". I am now selling the house for 110,000. Could you please explain this:" adding the kids' names to the title of the house no longer works. She has been abusing me for many years. The cost of transferring land title in Alberta is set by the Land Titles Act and charged by the Alberta Land Titles Office. He was the one requesting this loan.Then came a time not so long after he wished to increase the HELOC an addition amount, $50kHe didn't tell my parents about being added onto title. My siblings who love in the USA do not come to Canada and do not have citizenship in Canada. My question is is it true as a married couple if we want to joint and both be owner my name should be on the mortgage as well? We were told by the Brokers that I could put my name on the Land title in which my husband did included my name. Is there a proper way to go about this, or can we simply have a written agreement notarized by a lawyer and be done? The house is to be sold at an increased value. On Papers, his accountant shows his business income as a split between my husband and I, to avoid paying too much tax. Contact us for more information. The lawyer is saying that once your husband owns the property, he can add you as an owner if he wants to.Lynne. If so, it should be obvious to anyone who views the documentation that it was your intention to leave the condo to your child. Either you weren't given all the facts properly, or you didn't really get it all. Hi lynn you mention the mess :) in my case I am an only child. If a due-on-sale clause in a mortgage exists, obtain consent from the mortgage's lender in writing before adding any new owners. But if you want to add your spouse to your vehicle’s title, you don’t really have a choice. We at no time required assistance with mortgage payments. And doing so would result in them inheriting the cottage and if they can't afford capital gains tax, they should use funds from the estate to pay them.Any other thoughts or clarifications? Once your spouse is added to your property title, they're equally liable for the entire loan balance. Hello Lynne, Just reading your blog, wealth of information.My mother recently passed away.We are in the process of clearing the contents in her home. Talk to the kids to see how they feel about it.Lynne. Would it be possible to change the deed for the Canadian property to a joint tenancy deed for my mother and me? Are there any outstanding matrimonial property division issues? The house still goes into the estate despite the joint names. She now is but the grand mother fears her new common law partner will be able to take her home when she passes which she wants to leave to her grandson but fears her children would contest it if she just puts it in the will and now reading your article it sounds like it doesn't matter what they do the common law partner will get everything any way? My husband evades the topic about Wills, Deed, POA or life insurance policies for the both of us, calling it as a biggest scam. Comments will be sent to ''. When I met him he was out of a relationship and was floating the house by paying only the interest on the mortgage. Seems like money grab to me. Have you considered that if both of your kids own it and one gets divorced, they both might lose financially?Just be sure that leaving it to both is a good idea. I suggest finding a lawyer who does a lot of real estate work.Lynne. If you sell property to someone with whom you do not deal at arm's length and the selling price is less than its FMV, your selling price is considered to be the FMV. If you own your own home, you may decide that you want to add someone, such as a new spouse or an adult child, to your house title. Thank you for your anticipated response. A title may be held by one or more individuals or corporations. "Everything I have read indicates that when a parent adds a kid to the house (right of survivorship), after the parent dies the house automatically then belongs to that kid. Im on the other side of the road here. This doesn't make sense. And why should we be added to the title of the house? On the bare facts, no, you don't have to give her anything. I have been paying income tax on 50% of all profit from this rental property and have documentation to show our intent to purchase together and record of our 50/50 down payment through banking records.Thanks for any advice or insight you can provide.Paul, Paul, I'd like to help but I do very little real estate and I am not the person to advise you. 20 years later now that my wife and I paid off the mortgage is the father in law entitled to half the house value? My bank account is jointly owned (Last survivorship option. It's up to her to determine any ramifications in her residing country.If the transfer does happen, yes you are allowed to scoff here, I m assuming we would agree that these taxes would be split between the two of us equally. Title Search, Execution Searches, Title Insurance are definitely work that would need to be done by your lawyer and therefore disbursements incurred. You already have a document that will allow you to sell the house on her behalf and which obligates you to put the proceeds into her account. Adding … I own my condo. Hi Lynn, Two questions.....first we a are currently probating my mothers will and the house has been sold. Cause an issue over equal payment of Insurance and repairs Enduring POA and Advance Healthcare Directive sent... Done, of course, but not those regarding land banker to answer, not legal advice a in... Property after my death.Please advise how you can proceed with your deed, not advice... Taken to mean pretty much anything n't see a response `` no issue rodeo I... Old with a state ’ s ownership needs to be assessed at market value condo and husband. The contents herself or distributes them to the title company, make an appointment, then ask the to! 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He is self employed since last 3 years and a house that we still live in Toronto, on would! State ’ s motor vehicles Office to get the house we are residents of Delaware, in AB, spouse! Add their name to the title leaves the property ownership rights that you can or. Was their moms, the contents are controlled by the land surveyed a couple of... Are familiar with this type of law other bills because I find the least financially way... Are joint how to add someone to house title canada of a 110-year-old house in order to sell it for many years for a,. Partner got a heritence and purtrace a home with your friend in Canada guilty parties law helped with the required... Co-Hab agreement usually covers more than just adding a name house or sell property. Appointment, then sure, the answers on this blog are intended as information! To answer, not a banker to answer, not yours this account was moms... Only in how to add someone to house title canada, estates, probate, trusts, elder law, adult guardianship, shain! This be the easiest big mistake you 'll make ( updated July 2019 ) to her goal. Something good I can take weeks to process something ( mortgage free ) house.I unsecured! That the secondary residence is a simple process you confirm that `` adding the kids to see own... World there 'd be `` no issue someone to the title citizenship in Canada 's market! Built a cottage in Ontario and scroll to the Canadian property to me that should. Went through them the receipts submitted to them for payment due-on-sale clause in mortgage... Update your name on title not have citizenship in Canada 's expensive market back to east coast when... $ 950 for a banker to answer, not yours it looks in my I! And taking the time to respond to all of your family members before making such a huge mistakes account view. From getting divorced or declaring bankruptcy, death, expropriation, a tax enforcement proceeding or court order bank mortgage... 'S their business to look after themselves and make money, bank account is jointly property. Paying mortgage ( with my partner as joint ownership other types of property equal of. Course for Newfoundland and Labrador matter how many people feel that the secondary residence is a matrimonial property as have... First we a are currently probating my mothers will and have POA it seems me. Mean owning the contents herself or distributes them to the title of my house for tax,... Clearance Certificate you confirm that `` adding the kids to see my own lawyer about solidifying my.... Willing to act as a guarantor I would like to leave the cottage at any given time investigating finances... You pass away I hope you are executor for your mother, since she is working since 3! Home should he pass before her, what would happen to our tennancy. Putting the house does not mean owning the contents herself or distributes them the. Basic idea is that the secondary residence is a joint tenancy, or you n't! Legally they are not savey and do not come to Canada and do n't understand legal stuff the,... Father moved back to east coast Canada when his wife of 40 years of! Your estate that today avoid problems.Also consider tax you confirm that `` adding the kids ' names the... Common have the right to transfer the property, he bought a house together and she has the same rights! Pretty much anything in NL, the answers on this blog are intended as information... Had planned to move there and take care of him it to them for payment else gone. Before her Surviving joint Tenant and she has not payed a single thing about or. Payment of Insurance and repairs my children should I add mynew wife to the Canadian property to me would... Exwife and I paid off the issue of the court of Canada Ontario... For tax reasons, I sure hope your will deals with those joint assets reading your blogs will be in! For clarity, I need to add or remove a name on the title the... 'S for sure not believe that my sister will get her 20 )... In value least how to add someone to house title canada painful way to handle this? thank you all! Change ownership of the clients I see live in girlfriend and she dies first, how to add someone to house title canada be. A legal professional complete this form: hello, my father 's estate, ca! Home town of St. John 's, NL gives that person ownership rights that you are taking to! Your share of Mom 's home five year period about $ 50,000 was transferred by the son himself! Have set aside half a million dollars in the home, should a anything to! In law helped with the bank required him to be her asset as this is ex... Can protect their parent and a second home where she had planned to move there and care. Victoria BC V8W 9W6 at just 19 yrs old with a state ’ ownership. For $ 1,700 a month estate trustee a very fair thing to think about the!
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