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Why can't homeless people in Canada just apply for welfare?

It's a different set of rules for each province, so I'll only deal with BC:Welfare is not given easily here. If you can believe it, there is a “pre-application” period. After you have submitted all the necessary documents-- identification, financial information, you must do research to make sure you cannot collect employment insurance (which is done by ANOTHER application at another office in another branch of government) you are put on a list, and you must sit by your phone between certain hours on a certain day. For a while, this had to be a land line, but I think they changed this policy, thankfully. If you don't answer the phone when they call, the whole application has to be started again. If you don't have a phone, you will have to go to a nonprofit and use theirs (good luck, because you need the phone on a certain day at a certain time, and the phones are used 24/7) If you get on the phone with them, they make an appointment for your ACTUAL application, which has to be in person on a certain day. The waiting time in the actual office is horrendous, with children crying and people with all sorts of struggles squeezed into a row of plastic chairs, watched over by security guards. It usually takes hours of waiting the day of, and often, it has to be rescheduled, because the office is too overwhelmed.On your appointment, you will have to bring more documents, and you need to prove that you have a landlord that will rent to you. You are not eligible to get money unless you have filled out an “intent to rent” form, signed by a landlord, who the worker will call and do research to verify that the person is actually the owner of property in the vicinity.Here's the kicker: rent in this town for a room starts at about $650, but the rent portion of your cheque is only $375.So in theory, if a person can find a landlord who wants to rent to someone on welfare(not likely), and has an intent to rent form filled out for not more than $375(as I said, near impossible), and they follow this entire process, which can last a month or more, they can have welfare-- $640 per month for everything, food rent, everything. Most people who are successful just get their landlords to say it's $375, and then sign their whole cheque over when they get it.Now you have an empty room with no furniture, and no food. Better than the street, but most people who are out there can't make it through the process. I know people who have tried more than 4 times with no success.Now imagine going through this with depression, anxiety disorder, a brain injury, or addiction issues.Most people require an outreach person to navigate it, but the outreach workers here have caseloads of 50 or more people, and the shifts and workers change so much, it's unlikely you will get an outreach worker who is available at a specific time on a specific day. Also, an outreach worker can't spend several hours in the waiting room with you, they have 49 other clients.And if you get caught lying anywhere in this process, it's jail time for you. The welfare process for for ex convicts? You don't want to know….Thanks for the question, I hope it helps you understand why many homeless people just laugh if you ask them why they can't get welfare.

What is the greatest example of someone "living in a bubble" that you have ever seen?

I know a guy.He went to law school in his 30s. No savings at all. 160k in debt. Borrows money from everyone in his life. Travels a lot for vacation.He didn’t get a summer job while he rented a condo in my city to spend the summer here for three months. And then went on a 3-week trip to the U. S. Rent alone is $6,000 and traveling is $2,000. During the three months period, he went to the nearby surfing town (four hours and a half’s drive) five times. Went to our nearby bigger city (1.5 hours ferry) few times. Several small trips to nearby islands. Previously in the same year, he also visited the Oregon State from the states.He went back to law school after summer. Insisted getting a one bedroom condo instead of having a roommate. Went for a short trip on a long weekend, spent his reading week in my city (1 hour flight), and rented a car the entire time he was visiting. I let him crash at my place. He came back again for Christmas break. He didn’t come to visit me. He just really likes the West Coast, and told me the city he is studying in has no ocean and he wants to kill himself every day.During his Christmas visit, first thing he landed, he went for a 70 dollars massage plus tax. He was nervous about me knowing him spending that much. He lied to me some private insurance policy would cover the fee. And once he massage finished, he texted me “fuck this place don’t do insurance I had to pay from my own pocket. I am so broke right now.”He would constantly complain about women not nurturing and being too materialistic these days. Complains nonstop about not having enough money. I’ve learned that on top of his student loan, he also owed his parents $2,200, his brother $2,400, his girlfriend $880 and his best friend $2,800. He told his parents he is so poor - he will start whoring himself. But he just used this tactic to guilt-trip his parents. His parents ignored him and he went crazy. Told me he is not loved or cared for by his family.He hates independent women, telling me the reason women are like this these days is because they are allowed to work. Hello? Do you even work yourself? So you don’t work, and women are not supposed to work but supposed to nurture and care for you? Somebody is gonna have to pay the bills.Maybe stop complaining about money and learn to travel less and spend less. Or focus on studying and win some scholarships. By the way, this guy passed his exams with the minimal score and he told me he was “heartbroken”, and skipped a lot of classes and only studied for two days before the exam to get a C. I was in my early 20s and broke up with my ex and he kicked me out of the apartment that I paid rent for. I went to school as usual and got As and Bs on my exams. I don’t know why he thinks that he is the only person who can fail and waste tuition when his family is lower middle-class and spent all they had to support him through law school. Or maybe he can travel less and get a part-time job.He also hinted that I should give him some money, asking me how he could get some. I gave him a few easy options. I even told him if he can find a condo in his city in a legal building, I can invest in the condo and rent it out through Airbnb. He could help me manage it and clean it (very flexible and won’t cost much time). Even in the summer, I told him he could come and work for me. He said he would start putting an ad on Craigslist so he can escort to make extra money. He told this idea to his ex-girlfriend, his parents, a few other people, and me, expecting them to voluntarily let him pay them back later, and keep lending him more.I assume his behavior is repetitive. His parents ignored him and so did his ex. He couldn’t handle it. Told me his parents didn’t care, are incompetent and not providing solutions. Hello? Looks like you are ready to escort so I guess they can stop lending your money right? Obviously he had no intention to escort. He just wants to play the victim and get helped easily.I told him to go ahead and do it if that is the only way you think you can survive. He was shocked as I assume he wanted me to pity/judge him. He told me to help him draft an ad on craigslist. I told him to do it himself and he said fine, he would. But as a result, no ad was created by this guy. I think he just figured telling people about his “whoring plan” is a way to receive compassion and help.I am a somewhat successful businesswoman since my mid 20s and probably one of his better-off friends. After I explained 3 ways which all involve actually working to make money easily, he as usual texted me and asked“How can I get more money fast? If not I really have to start whoring myself out to make money. I literally willing to suck d*cks if I have to”. This is too depressing to hear. I had had enough B. S. and negativity from this guy and I simply told him, “Sorry, I don't know any way to make money without working.”During our interaction, he constantly hinted that I am in my late 20s and my luck for love is close to zero. I am not nurturing and soft-spoken enough as a woman; if I want to find a man, I will need to start making less money. I don’t get why making less money will help me find a good man? The fact that I can afford being single and rich is a sin in his eyes. He can’t stand a woman who doesn’t need to kneel down to a man so she can depend on him.I feel like this 34 year old manchild is a black hole to be around with. He is delusional about the world, about money and relationships. And he lives a relatively fancy lifestyle — his own condo, travels a lot, dates new girls excessively, goes clubbing frequently, and expects people to repeatedly bail him out when he can’t afford his lifestyle. He feels that he is entitled to that help and never shows appreciation. And the moment his saviours can’t help him more, he goes into deep depression and resentment. Why is it so hard to understand that you, a 34 year old man, should be supporting yourself and your hobbies and your dream?As a law student, he needed to try to get into an entry-level law job in the third year of school and go straight to work for that job the moment he graduates. If he fails to land that entry-level law job one year prior to graduation, he won’t be able to start his law career right away (law firms start hiring one year in advance). For example, in 2019, they started recruiting for 2020 graduates. He slept in and had fun the entire summer due to his so-called depression, and failed to land that job. If he doesn’t start looking in 2020, he might not start his career in 2021.I warned him to start looking soon. But while $170k in debt, he told me his priority after graduation is to use his parents’ $3,000 education tax credit to go on his epic Vietnam trip. I was totally wordless.I told him it’s not a smart decision. He went on attacking me saying, “You only think it’s a bad idea because I can’t start making money right away, and that is all you care about.”I let this guy stay at my place for free, picked him up and dropped him off at the airport more times than I can count, always paid for the expensive meals as I know he had no money, and let him store his sailing board and bike for free. And offered him some cleaning jobs to help him make money. But at the end, I am the heartless person who is only about money.In my eyes, his bubbles started to bust. He did make an attempt to apply for the entry-level law job in the summer. And he tried to transfer to a better law school. However, after he sent me his cover letters and I know why he couldn’t get a job, and why the better law school turned him down.Law job cover letter: There was a gap year in my transcript, and it was because I had health issues and needed a year to heal.I told him delete this part. I warned him to leave all negative things out of his cover letter. You need to sell yourself, not to play the victim so recruiters can feel pity for you. No employer will hire a victim when they got hundreds of resumes a day. He was offensive. I also told him to set up a LinkedIn account so a potential employer can check him out if they want to know more details.He said “Any firm that doesn’t hire me because I needed to take a year off because of my health issue, I would not want to work for them anyway. I can’t do a LinkedIn page. I am a private person.”Later on I got to know he didn’t have any serious health issues. He told me about some depression issues because of a breakup and that he had to take a year off. He likes to go on Tinder dates when he is with his ex, namely his girlfriend, and he doesn’t want his tinder dates to know more about his situation as he is scared he would get into trouble with girls going after him for lying and sleeping around. He didn’t want to create a LinkedIn page largely because of that. Well I guess no job line-up for him then. He got no responses from all the employers that he had applied to and obviously started another round of depression…Cover letter for law school transfer: I have a health condition, I can’t breathe in my province. BC’s environment is better for my study. My doctor gave me a note to confirm that. I am the only one who acquired post-secondary education from my lower middle class family”I only got to read this until he got rejected. He was like “how come I didn’t get in? I would think a law school like that should have compassion for my situation.”On top of everything, this guy is good-looking. He used this as a leverage to sleep around and lied about not having a girlfriend. His girlfriend, or in his words, his ex-girlfriend, is being forced to move in with him to help him pay half of the rent. He owes her $880. He wants to push her to move in with him so he doesn’t need to pay her back, and eventually start collecting half of the rent from her. Her unwillingness to move in really pissed him off.“She comes and stays in my place every other day. If she wants to continue doing that she’d better start paying for it.”It’s sad that a guy doesn’t want marriage, but expects a girl to live with him without any serious commitment from his side. He doesn’t pay for anything for her but “she only cooks me some breakfast every morning, not like I couldn’t live without her.” Yeah you don’t want to marry her, and you tell all your friends that she is your ex, but expect her to “nurture” you, and help you save rent the moment you need her to. She is 21 and not very assertive. She eventually gave in after he pressured her using guilt and shame. She can save him 2,000 cad in total. He will have a bigger budget for his Epic Vietnam Trip.I don’t get where most of his entitlement comes from and how he can live in a huge bubble like this. Sickens me to think about it. I like to achieve success and a good life through building business by hard work, so why can someone who doesn’t do that think they deserve a good life and a nurturing woman when he can’t even provide for himself?Is everyone in his life supposed to be an unconditional giving angel? Sad and gross. Deep in my mind, I knew something was off and not right but on the other hand, I have seldom encountered this type of personality. I went as far as five months as our interaction was actually on the other hand interesting. We became friends as we met in BC Ferry. He is an introvert. He approached me and started the conversation. His living-in-the-bubbles vibe and lifestyle was really refreshing to me as I was brought up in a very down-to-earth country. Everything was about conquering the next hardship, winning the battle, being the best you can be, taking responsibilities, competing and being outstanding, being more efficient, no time for tears, being strong, doing more in life, that kind of propaganda. I liked combating him over his ideas and I have a coaching personality, which means I like to teach. I was a teacher for a total of nine months when I was 21 and 23. I was alert in the very beginning as I don’t trust people who like to complain about having no money while living in a 2,000 cad/monthly condo. I also realized from the early stage of acquittance that he likes to play the victim and traumatize himself. I did felt a brief pity for him. Our differences led to our short-lived friendship, and our differences resulted in the termination later on.People also asked me, why did you treat him so nice? Well I actually treat a lot of people very nice. I like going to good restaurants and it’s just my thing. I understand most people can’t afford that so if I suggest a place to eat I usually would pay for it. It’s not fair that my friend would be dragged to a place and expected to afford something they are not comfortable choosing because of the price in the first place. I am that kind of person if I want to go for a vacation, and I don’t want to go alone. I would drag someone I enjoying spending time with to come with me and I would lure them into joining by paying for flights and hotels. If I can gain experiences and I need company, money is only a tool to make these experiences better. Why not? Most people I treated nice in my life are appreciative. It also took me some time to get to know someone. After all the incidents that happened as I mentioned above, I eventually realized he is programmed like that and I would not be able to influence him. He is uncoachable. He is too self-absorbed and started to annoy me more and more. He would text me in the middle of the night and ask me to “help him” as he is about to kill himself. Things are so hard. He is so in debt, chose the wrong career and profession, unclear about his future, too old. That is all he talks about at night. Usually around 10 pm you would expect his text “I want to kill myself”. “I will never be able to have a family” “I want to cut my throat” “can you help me?” “I literally have no money to finish this program lets be real here.” “You are a financial parasite, I hate you” “I am having a mental breakdown and going to hospital right now”He stays in contact with me over the course of five months. Most of the times I ignored him when he was being negative but sometimes I gave in to his suicidal threats and did respond or show up and try to “help”. When I showed up, what he texted was totally irrelevant and he looked more than just fine. He also told me his family didn’t respond to him that much and his dad is going through therapy due to the stress he puts on his dad. I kinda crave for a therapy as I felt he grasps for anything around him that has positive energy and acquires it by all means necessary to utilize for himself.He is an endless nightmare and sometimes there was a short moment when you’d think this nightmare might be over as he would be normal most of the time; but his irrational text messages and emotional blackmailing strategy usually appear unannounced. I am pretty sure he did this to everyone in his life. I often responded to try to burst his bubble such as ”stop taking vacations” “get a job!” “Be strong no excuse” “ figure it out you are an adult” “stop blaming your parents they have given you a lot” “treat your girlfriend nicer”. His excuses were “I have to, otherwise I will die here. I NEED ocean!” “can’t get a job I don’t have time” “my parents don’t know what they doing. Just not very smart people in general” “I can’t figure it out. I have to drop out” “I am smarter and more interesting than her. If she demands shit from me she can fuck off” “what do you mean by be strong? I can’t breathe I fucking hate this place (his city). I can’t finish my school without money! I literally have to kill myself, that is my only option”After five months of on and off, I don’t feel happy with this guy’s presence anymore and my resentment towards him reached a high enough level that I just blocked him one day and never spoke to him ever again. He emailed me and asked me what is going on. I find it impossible to communicate with this person anymore and I ignored the email and gave up. His real career is trying everything he can to maintain his bubbles, and I didn’t want to be involved in a project that I didn’t believe in. Good luck to his bubble world. I hope it can last as long as possible for him.

Should I rent an apartment or buy a house in Toronto?

It really depends where in Toronto, how much capital you have, how much you are willing to pay and what amenities are you willing to sacrifice or do without.RentingI still own several properties in Toronto and the GTA so the breakdown world be as follows: The highest possible rents will be in the downtown core, 2nd highest would be midtown and along the Yonge subway line, East end and North and Bloor / Sheppard subway lines with come in third with the West end being the least expensive.With renting its mostly gross rent + utilities and the LL can only do increments annually based on the % allowed by rent control as long as you remain in the same space.BuyingIf you have enough capital to purchase a house, I would suggest an actual house with physical land and not a condo which is more affordable thus more attractive. Will let you in on a little secret, Insurance companies are either exponentially increasing rates on condos or they will soon be refusing to insure condos all together. This is because of the high risk liability with condo living. This is happening in the states now and has also migrated to the BC market, so it’s just a question of time before it heads to Toronto.However, purchasing a condo for the short term ( 1–3 yrs ) with the intent to sell and use the extra capital as a down payment for a house is also a very good option. It is a good approach to purchase as an investment as opposed to just a place to reside in, you will be more inclined to make smarter, business choices instead of emotional ones.With purchasing you have direct responsibility to deal with all the costs ( property taxes, insurance, maintenance and utilities ) however overtime your asset will continue to appreciate in value.Good luck with your decision.

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