I'm Raising Ninjas
  
For whatever reason, little Rob does kart wheels off everything. He taught himself. His biggest drop was doing a kart wheel off a 3.5-foot counter. It's insane.
Personally, I've never done a kart wheel in my life.
Dandan has never done a kart wheel in her life.
I asked little Rob if he wanted to go into gymnastics or a super top secret ninja school.
He picked ninja school.
Extreme Mountain Bike Family
I bought my first real mountain bike in 1995 for a $1050 dollars. I worked 40 hours a week during grade 10 @ $6 hour to make it happen.
I rode North Vancouver's famous mountain bike trails till 1997. I then went to college and took 23 years off mountain biking.
I'm now back.
I got Sarah her bike when she was less than 2. I'm supposed to get her this bike when she is 3. She can now go down hills without training wheels. All she wants to do is mountain bike.
Next step is to get Dandan a bike!
How Has Covid 19 Affected Mortgage Underwriting
Short answer: Made it much more difficult.
If you lost your job and no longer earning income, the bank will no longer give you a new mortgage, unless you have a letter stating you have a guaranteed return date. Good luck getting this.
If you are self-employed and the bank thinks that your business has been impacted dramatically, banks will no longer give you a new mortgage.
On top of that, the underwriting process has become delayed. Everyone is now working from home and the process of getting exceptions and timely email answer replies has been disturbed dramatically.
What's the solution?
Patience.
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