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Posts by Gaurishanker Puniani

Infographic explaining how reverse mortgages work, showing example loan balance growth, costs, borrower obligations, and key considerations for homeowners aged 55 and older.

Reverse Mortgages: The Real Costs, Conditions, and What Happens When Equity Runs Out

2 November 2025 Gaurishanker Puniani
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Business Tax-Individual, Incorporation, Individual, Tax credits and benefits for individuals

For many older homeowners, a reverse mortgage can be both a lifeline and a risk. It allows you to tap into your home’s value without selling or making monthly payments, but it’s not free money. Understanding the real costs, conditions, and potential pitfalls is essential before signing anything. What happens when your home equity runs out? Discover how a reverse mortgage works, the pros and cons, and when it makes sense to consider this financial option. Don’t let misconceptions drain your wealth—learn how to make your home work for you in retirement.

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Infographic titled “Understanding the Various Forms of the Landlord and Tenant Board (LTB) in Ontario,” showing twelve key LTB forms with short explanations, including forms N4, L1, N5, L2, N12, N13, T2, T6, L9, and A1

Form L1 – Application to Evict a Tenant for Non-Payment of Rent and to Collect Rent Owed (Ontario LTB Guide)

27 October 2025 Gaurishanker Puniani
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When a tenant fails to pay rent on time, landlords in Ontario can take action using Form L1 to evict the tenant and recover unpaid rent. This process, governed by the Residential Tenancies Act, involves strict timelines and procedural requirements. From serving the initial notice to enforcing an eviction order, understanding each step is crucial for both landlords and tenants. Discover how to navigate this complex process, protect your rights, and ensure a fair resolution. Whether you're a landlord seeking to reclaim lost rent or a tenant wanting to understand your options, this guide is essential for you.

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