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[null,null,"you can obtain subscription info by contacting"]
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[]
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[null,null,"and the registration information dialog is not yet complete"]
[null,null,"after this MAC cycle completes, please try clicking the Mortgage Mentor icon again."]

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[]
[]
["Should We: Buy Now, Wait, or Rent & Save for retirement ?"]
[]
[]
[null,"This unique tool has been created to help the new wave of younger, more informed buyers quickly make effective decisions about getting into home ownership."]
[]
[null,"There seem to be three main questions, with three possible variations facing First Time Home Buyers today"]
[null,"*","Should we Buy Now?"]
[null,"*","Should we Wait and Save More down payment?"]
[null,null,null,"What if house prices increase while we're saving more?"]
[null,null,null,"What if mortgage rates go up while we're saving more?"]
[null,null,null,"Want if we save $xxxx more for down payment?"]
[null,"*","Would we be financially better off to rent for less than all the mortgage plus home ownership costs and save for the future?"]
[]
[null,"With housing pricing being where it is more people are also carefully considering the Buy vs. Keep Renting options.  This tool will quickly show if that's financially worthwhile."]
[]
[null,"Qualifying"]
[null,null,"The \"Qualifying\" tab at the bottom is where you enter the information related to a basic pre-qualification"]
[null,null,null," - incomes"]
[null,null,null," - other debts"]
[null,null,null," - Taxes, Heat, and Condo/Strata fees"]
[null,null,null," - qualifying rates"]
[]
[null,null,"From these few entries the program will display 6 mortgage qualification values for you."]
[null,null,null,"* amounts for Terms under 5 years for both : <680 credit scores, and 680+ credit scores"]
[null,null,null,"* amounts for 5 year Term for both :  <680 credit scores, and 680+ credit scores"]
[null,null,null,"* Variable Rate amount for both : <680 credit scores, and 680+ credit scores"]
[null,null,"NOTE: the Amortization is pre-set at 25 years but may be changed if needed"]
[]
[null,"The Options"]
[null,null,"This next level allows you to enter information about:"]
[null,null,"Mortgage Rate   ~   Estimated Home Price   ~   Down Payment"]
[null,null,"You can also enter the three key factors which may change before the purchase actually happens"]
[null,null,"Rate Change    ~    Property Value Change    ~    Savings increase"]
[null,null,"the MM-Engine will instantly produce several fairly intuitive results for you.  Once you've entered your \n   information you will quickly understand the analysis that's been prepared for you."]
[]
[null,null,"On this page you will also notice three buttons that you can click for month-by-month details."]
[]
[null,null,null,null,null,"pops up details for: interest, principle, and mortgage balance for both the Buy Now, and after we wait factors"]
[]
[null,null,null,null,null,"pops up details for: Home Equity, and Savings Growth for those considering not buying.  This option requires the entry of additional factors such as: taxes, heat, insurance, strata expenses, that the client won't pay if they rent, plus fields for average: savings interest rate, rent, and rental increase.  These will appear on the far right when you click this button. "]
[]
[null,null,null,null,null,"does exactly that !"]
[]
[null,"Save More report"]
[null,null,"is a report of the month-by-month details for the \"Wait and Save More Down Payment\" concept that you can print for your client."]
[]
[]
[null,"Rent Instead report"]
[null,null,"is a report of the details for the \"Rent & Save Instead of Buying\" concept that you can print for the client"]
[]
[]
[null,"PTT & Closing Costs"]
[null,null,"P.T.T.,  L.T.T.,  L.R.T."]
[null,null,null,"This time saving tool can quickly calculate: Property Transfer Tax, Land Transfer Tax,\nLand Registry Tax for all provinces and territories.  First Time Buyer considerations are included"]
[]
[null,null,"Closing Cost Report"]
[null,null,null,"a clear and comprehensive list of potential Closing Costs can also be quickly prepared"]
[null,null,"Sale Net Proceeds"]
[null,null,null,"calculating net sale proceeds and including those in a purchase finance sheet is made quick and easy with this tool."]

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[]
[{"$f":"'[1]Your Data'!$D$8&\"    \"&'[1]Your Data'!$D$14","v":"Enter \"My Info\" data    Enter \"My Info\" data"}]
["Pre-Qualifier workbook"]
[null,{"$f":"'[1]Your Data'!$D$9","v":"Enter \"My Info\" data"},null,null,{"$f":"'[1]Your Data'!$D$10","v":"Enter \"My Info\" data"}]
[]
["Prepared for"]
[]
[null,"INCOME",null,"annual","monthly"]
[null,null,"Applicant Income",null,{"$f":"D9/12","v":0}]
[null,null,"Co-Applicant Income",null,{"$f":"D10/12","v":0}]
[null,null,"   Suite Rent",null,{"$f":"IF(ISBLANK(D11),0,D11*(0.5/12))","v":0},{"$f":"IF(ISBLANK(D11),\"\",\"  < 50% of rent\")","v":""}]
[null,null,null,{"$f":"D9+D10","v":0},{"$f":"E9+E10+E11","v":0}]
[]
[null,"DEBTS",null,"Amount Owing","Payment for Qualifying",null,"Payment used for \"qualifying\""]
[null,null,"Credit Card",null,{"$f":"D15*G15","v":0},null,0.03]
[null,null,"Credit Card",null,{"$f":"D16*G16","v":0},null,0.03]
[null,null,"Credit Card",null,{"$f":"D17*G17","v":0},null,0.03]
[null,null,"Credit Card",null,{"$f":"D18*G18","v":0},null,0.03]
[null,null,"Car loan",null,null,"enter"]
[null,null,"Car loan",null,null,"actual"]
[null,null,"Personal Loan(s)",null,null,"payment"]
[null,null,"Student loan",null,{"$f":"D22*G22","v":0},null,1.4999999999999999E-2]
[null,null,"Student loan",null,{"$f":"D23*G23","v":0},null,1.4999999999999999E-2]
[null,null,"Student loan",null,{"$f":"D24*G24","v":0},null,1.4999999999999999E-2]
[null,null,"Line of Credit",null,{"$f":"D25*G25","v":0},null,0.03]
[null,null,"Line of Credit",null,{"$f":"D26*G26","v":0},null,0.03]
[null,null,null,null,{"$f":"SUM(E15:E26)","v":0}]
[null,"NEW HOME - other Related Payments"]
[null,null,"Annual City Taxes"]
[null,null,"Tax Homeowner Grant"]
[null,null,"Monthly Heat"]
[null,null,"Monthly Condo/Strata Fee",null,null,{"$f":"(($E$29-$E$30)/12)+$E$31+($E$32/2)","v":0}," Monthly Total"]
[]
[null,null,"Bank of Canada qualifying rate"]
[null,null,"Deal Rate for qualifying"]
[null,null,"Amortization",null,null,25,{"$f":"IF(F36<25.01,\" Years\",\" < minimum Down Payment 20%\")","v":" Years"},null,null,null,null,"To Be Hidden"]
[null,"MORTGAGE AMOUNT you should qualify for",null,null,null,null,null,null,null,null,null,"%Inc","Income times percentage",{"$f":"\"%Inc - \"&E27&\" Debt\"","v":"%Inc - 0 Debt"},"after T.I.H.S.",null,"Mortgage Amount"]
[null,"   Good Credit  620 - 680  35/42 ratios",null,"Qualified Payment",null,{"$f":"O39","v":0},null,null,null,null,null,null,null,null,"payment used"]
[null,"mortgage based on Bank of Canada rate",null,{"$f":"IF(N39<0,\"too much other debt to qualify\",Q39)","v":0},null,null,null,null,null,null,null,0.35,{"$f":"E$12*L39","v":0},{"$f":"M39","v":0},{"$f":"IF(N39<N40,N39-$F$32,N40-$F$32)","v":0},"5yr",{"$f":"PV((1+(F34/2))^(0.16666666666667)-1,F36*12,-O39,0,1)","v":0}]
[null,{"$f":"IF(ISBLANK(F35),\"\",\"mortgage based on Deal Rate\")","v":""},null,{"$f":"IF(ISBLANK(F35),\"\",IF(N40<0,\"too much other debt to qualify\",Q40))","v":""},null,null,null,null,null,null,null,0.42,{"$f":"E$12*L40","v":0},{"$f":"M40-E27","v":0},null,"1-4 yr",{"$f":"PV((1+(F35/2))^(0.16666666666667)-1,F36*12,-O39,0,1)","v":0}]
[]
[null,"   Great Credit   681+   39/44 ratios",null,"Qualified Payment",null,{"$f":"O42","v":0},null,null,null,null,null,0.39,{"$f":"E$12*L42","v":0},{"$f":"M42","v":0},{"$f":"IF(N42<N43,N42-$F$32,N43-$F$32)","v":0},"5yr",{"$f":"PV((1+(F34/2))^(0.16666666666667)-1,F36*12,-O42,0,1)","v":0}]
[null,"mortgage based on Bank of Canada rate",null,{"$f":"IF(N42<0,\"too much other debt to qualify\",Q42)","v":0},null,null,null,null,null,null,null,0.44,{"$f":"E$12*L43","v":0},{"$f":"M43-E27","v":0},null,"1-4 yr",{"$f":"PV((1+(F35/2))^(0.16666666666667)-1,F36*12,-O42,0,1)","v":0}]
[null,{"$f":"IF(ISBLANK(F35),\"\",\"mortgage based on Deal Rate\")","v":""},null,{"$f":"IF(ISBLANK(F35),\"\",IF(N43<0,\"too much other debt to qualify\",Q43))","v":""},null,null,null,null,null,null,null,null,null,null,null,"Variable",{"$f":"PV((1+(F35/2))^(0.16666666666667)-1,F36*12,-O42,0,1)","v":0}]
[]
["   © Copyright August, 2013 (revised through Mar 1, 2024)  /  MMI MortgageMentor Inc."]
[]
["Proprietary Property of Author - R.A.Robertson  /  Use without prior written permission of the Author is prohibited."]

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[]
[null,{"$f":"'[1]Your Data'!$D$8","v":"Enter \"My Info\" data"},null,null,null,null,null,null,null,null,"\" What If  We Wait\" Factors",null,null,null,null,null,"Today's Known Factors",null,null,null,null,null,"Property Equity",null,null,"Rent and Save Difference",null,null,null,null,{"$f":"IF(AH18>0,\"entries required\",\"\")","v":"entries required"}]
[null,{"$f":"'[1]Your Data'!$D$14","v":"Enter \"My Info\" data"},null,null,null,null,null,null,null,null,"Rate after your changes",null,null,{"$f":"E9+E22","v":0},null,null,"Present Interest rate",null,null,{"$f":"E9","v":0},null,null,"net of R.E. commission",null,null,null,null,null,null,null,null,null,"monthly amount"]
[null,{"$f":"'[1]Your Data'!$D$9","v":"Enter \"My Info\" data"},null,null,{"$f":"'[1]Your Data'!$D$10","v":"Enter \"My Info\" data"},null,null,null,null,null,"Mortgage after your changes",null,null,{"$f":"E34","v":0},null,null,"Mortgage at today's values",null,null,{"$f":"E17","v":0},null,null,null,null,null,null,null,null,null,null,"Taxes",null,null,{"$f":"IF(AG4<1,1,0)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Heat (above rental)",null,null,{"$f":"IF(AG5<1,1,0)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maintenance"]
["File #",null,null,"Save Until (mm/dd/yy) ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cash",null,"Strata"]
[null,null,null,null,null,null,null,null,null,null,"Payment","Interest","Principle","Mortgage Balance",null,null,"Payment","Interest","Principle","Mortgage Balance",null,null,"Property Value","Property Equity",null,"Rent","Savings","Interest Earned","Balance",null,"House Insurance",null,null,{"$f":"IF(AG6<1,1,0)","v":1}]
[null,"Today's mortgage rate %",null,null,null,null,null,null,"month",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E14","v":0},null,null,null,{"$f":"SUM(AG4:AG8)","v":0}]
[null,null,"Amortization ( in years )",null,25,{"$f":"IF(ISBLANK(E12),\"\",IF(AND(E14>0,E10>25,E14/E12<0.2),\"for that Down Payment Max 25 years\",\" \"))","v":""},null,null,1,null,{"$f":"IF(E34=0,0,-PMT((1+($N$3/2))^(0.166666666666667)-1,E10*12,$N$4,0,0))","v":0},{"$f":"(((1+(N$3/2))^2^(1/12))-1)*N4","v":0},{"$f":"K10-L10","v":0},{"$f":"N4-M10","v":0},null,null,{"$f":"IF(ISBLANK(E14),0,-PMT((1+($E$9/2))^(0.166666666666667)-1,E10*12,E17,0,0))","v":0},{"$f":"(((1+(E$9/2))^2^(1/12))-1)*T4","v":0},{"$f":"Q10-R10","v":0},{"$f":"T4-S10","v":0},null,null,{"$f":"E$12*(1+(E$23/12))","v":0},{"$f":"IF(W10=0,0,W10-T10-(7000+(0.0025*(T10-100000))))","v":0},null,{"$f":"AG14","v":0},{"$f":"Q$10+AG$9-Z10","v":0},{"$f":"AC9*(AG$13/12)","v":0},{"$f":"AC9+AB10+AA10","v":0},null,"Mortgage Payment",null,{"$f":"E18","v":0},{"$f":"IF(AG8<1,1,0)","v":1}]
[null,null,null,null,null,{"$f":"IF(E10>25,(E12+D13)*0.2,IF((E12+D13)<500001,(E12+D13)*0.05,IF(AND((E12+D13)>500000,(E12+D13)<1000000),25000+(((E12+D13)-500000)*0.1),IF((E12+D13)>999999,(E12+D13)*0.2,\"Enter Price\"))))","v":0},null,null,2,null,{"$f":"K10","v":0},{"$f":"(((1+(N$3/2))^2^(1/12))-1)*N10","v":0},{"$f":"K11-L11","v":0},{"$f":"N10-M11","v":0},null,null,{"$f":"Q10","v":0},{"$f":"(((1+(E$9/2))^2^(1/12))-1)*T10","v":0},{"$f":"Q11-R11","v":0},{"$f":"T10-S11","v":0},null,null,{"$f":"W10*(1+(E$23/12))","v":0},{"$f":"IF(W11=0,0,W11-T11-(7000+(0.0025*(T11-100000))))","v":0},null,{"$f":"Z10","v":0},0,0,0,null,"Ownership Total",null,{"$f":"AG9+AG10","v":0}]
[null,"Present price of home you're considering",null,null,null,{"$f":"\"for that Amort. $\"&E12*0.2&\" minimum\"","v":"for that Amort. $0 minimum"},null,null,3,null,{"$f":"K11","v":0},0,{"$f":"K12-L12","v":0},0,null,null,{"$f":"Q11","v":0},0,{"$f":"Q12-R12","v":0},0,null,null,0,0,null,{"$f":"Z11","v":0},0,0,0]
[null,null,"plus improvements",null,{"$f":"IF(ISBLANK(D13),0,E12+D13)","v":0},{"$f":"IF(ISBLANK(D13),\"\",IF(D13>40000,\" < Improvments are over $40,000\",\" < Total including Improvments\"))","v":""},null,null,4,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0,null,"Savings Interest rate"]
[null,"Down Payment available",null,null,null,{"$f":"IF(ISBLANK(E14),\"\",IF(E14<F11,\" < < < must be at least  \",E14/E12))","v":""},{"$f":"IF(ISBLANK($E14),\"\",IF($E14<$F11,$F11,\"\"))","v":""},null,5,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0,null,"Rent"]
[null,null,"Mortgage money needed for purchase",null,{"$f":"IF(ISBLANK(D13),E12-E14,E13-E14)","v":0},null,null,null,6,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0,null,"Annual Rent Increase",null,null,{"$f":"IF(AG13<0.001,1,0)","v":1}]
[null,null,"Insurance Premium",null,{"$f":"IF(ISBLANK(E14),0,IF(AND(E15/E12<95.0001%,E15/E12>90%),E15*E57,IF(AND(E15/E12<90.01%,E15/E12>85%),E15*E58,IF(AND(E15/E12<85.01%,E15/E12>80%),E15*E59,0))))","v":0},{"$f":"IF(ISBLANK(E14),\"\",E16/E15)","v":""},null,null,7,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0,null,null,null,null,{"$f":"IF(AG14<1,1,0)","v":1}]
[null,null,"Total Mortgage",null,{"$f":"E15+E16","v":0},{"$f":"IF(ISBLANK(E14),\"\",IF(E17>Qualifying!D39,\"< higher than basic qualified amount\",IF(E17>Qualifying!D43,\"< higher than higher qualified amount\",\"\")))","v":""},null,null,8,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0,null,null,null,null,{"$f":"IF(AG15<0.001,1,0)","v":1}]
[null,null,"Monthly Payment",null,{"$f":"Q10","v":0},null,null,null,9,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0,null,null,null,null,{"$f":"SUM(AH4:AH17)","v":7}]
[null,null,"Qualified mortgage amounts",null,{"$f":"Qualifying!D39","v":0},{"$f":"Qualifying!D43","v":0},null,null,10,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,11,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,12,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,"(a)  What if mortgage rates change by    %",null,null,null,null,null,null,13,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,{"$f":"Z20*(1+AG$15)","v":0},0,0,0]
[null,"(b)  What if property values change by    %",null,null,null,null,null,null,14,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,"  (c)  What if savings increase by     $",null,null,null,null,null,null,15,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,16,null,0,0,0,0,null,null,{"$f":"Q24","v":0},0,{"$f":"Q25-R25","v":0},0,null,null,0,0,null,0,0,0,0]
[null,"How much rent you will pay while saving more    $",null,null,null,null,null,null,17,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,{"$f":"IF(AND(ISBLANK(E26),E24>0),\"^ entry needed ^\",\"\")","v":""},null,null,null,18,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,"Our What-If scenario",null,null,null,null,null,null,19,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"Property value after increase  (a)",null,{"$f":"E12*(1+E23)","v":0},null,null,null,20,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,{"$f":"IF(ISBLANK(D13),\"\",\"plus improvements\")","v":""},{"$f":"D13","v":0},{"$f":"IF(ISBLANK(D13),\"\",E29+D30)","v":""},null,null,null,21,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"Down Payment after increase  (c)",null,{"$f":"E14+E24","v":0},{"$f":"IF(ISBLANK(E14),\"\",IF(E31/(E29+D30)<5%,\"too low for this property\",E31/(E29+D30)))","v":""},null,null,22,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"Mortgage money needed for purchase",null,{"$f":"E29-E31","v":0},null,null,null,23,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"Insurance Premium",null,{"$f":"IF(SUM(E22:E24)=0,0,IF(AND(E32/E29<95.0001%,E32/E29>90%),E32*E57,IF(AND(E32/E29<90.01%,E32/E29>85%),E32*E58,IF(AND(E32/E29<85.01%,E32/E29>80%),E32*E59,0))))","v":0},{"$f":"IF(ISBLANK(E14),\"\",E33/E32)","v":""},null,null,24,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"Total Mortgage",null,{"$f":"E32+E33","v":0},null,null,null,25,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,{"$f":"Z33*(1+AG$15)","v":0},0,0,0]
[null,null,"\"What if scenario\"  Monthly Payment",null,{"$f":"K10","v":0},null,null,null,26,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,27,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,28,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,29,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,"Following is the difference in your total mortgage payments over the next: 5, 10, and 25 years.\n a positive number indicates you pay that much more,\n a negative number indicates that you'll pay that much less over the time.",null,null,null,null,null,null,30,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null," a positive number indicates that you pay more over time,",null,null,null,null,null,null,31,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null," a negative number indicates that you pay less over time.",null,null,null,null,null,null,32,null,{"$f":"K40","v":0},0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,33,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"over  5 years the Payment Difference is",null,{"$f":"ROUND((K10*60)-(Q10*60),2)","v":0},{"$f":"IF(E43=0,\"\",IF(E43<0,\"less\",\"more\"))","v":""},{"$f":"ROUND(E43,0)","v":0},null,34,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"over 10 years the Payment Difference is",null,{"$f":"ROUND((K10*120)-(Q10*120),2)","v":0},{"$f":"IF(E44=0,\"\",IF(E44<0,\"less\",\"more\"))","v":""},null,null,35,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"over 25 years the Payment Difference is",null,{"$f":"ROUND((K10*300)-(Q10*300),2)","v":0},{"$f":"IF(E45=0,\"\",IF(E45<0,\"less\",\"more\"))","v":""},null,null,36,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
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[null,{"$f":"IF(ISBLANK(E24),\"\",\"Consider this overall summary of the information above…\")","v":""},null,null,null,null,null,null,38,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,{"$f":"IF(AND(E24>0,E43>0),\"Is it worth paying \"&DOLLAR(E26,0)&\" in rent, and waiting to save an additional \"&DOLLAR(E24,0)&\" just to have a collective \"&DOLLAR(E43,2)&\" difference in payments over the next 5 years?\",IF(AND(E24>0,E43<0),\"Is it worth paying \"&DOLLAR(E26,0)&\" in rent, and waiting to save an additional \"&DOLLAR(E24,0)&\" just to have a \"&DOLLAR(-E43,0)&\" reduction in payments over the next 5 years?\",\"\"))","v":""},null,null,null,null,null,null,39,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,40,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,41,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,42,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,43,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,{"$f":"Qualifying!A46","v":"   © Copyright August, 2013 (revised through Mar 1, 2024)  /  MMI MortgageMentor Inc."},null,null,null,null,null,null,44,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,45,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,46,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,"CMHC/ Genworth, Canada Guaranty regular premiums",null,null,null,null,null,null,47,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"90.01% - 95%",null,0.04,null,null,null,48,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"85.01% - 90%",null,3.1E-2,null,null,null,49,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,{"$f":"Z57*(1+AG$15)","v":0},0,0,0]
[null,null,"80.01% - 85%",null,2.8000000000000001E-2,null,null,null,50,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,"up to 80%",null,2.4E-2,null,null,null,51,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,52,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,53,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,54,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,55,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,56,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
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[null,null,null,null,null,null,null,null,70,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,71,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,72,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
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[null,null,null,null,null,null,null,null,105,null,0,0,0,0,null,null,0,0,0,0,null,null,0,0,null,0,0,0,0]
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{"sheet":"Save More report","index":4,"n_rows":137,"n_cols":16,"rows_kept":137,"cut":false,"hidden":true,"merged":[[6,7,6,15],[15,15,16,15],[15,14,16,14],[13,6,13,8],[9,6,9,14],[13,12,13,14],[15,8,16,8],[15,12,16,12],[11,6,11,9],[11,12,11,15],[15,9,16,9],[15,6,16,6],[8,6,8,14],[0,2,0,15],[1,2,1,15],[2,2,2,15],[3,2,3,8],[3,9,3,14],[5,6,5,14],[7,6,7,14],[15,7,16,7],[12,6,12,8],[12,12,12,14],[15,13,16,13],[6,4,6,6]]}
[null,null,"Provided by:"]
[null,null,{"$f":"'[1]Your Data'!$D$8","v":"Enter \"My Info\" data"}]
[null,null,{"$f":"'[1]Your Data'!$D$14","v":"Enter \"My Info\" data"}]
[null,null,{"$f":"'[1]Your Data'!$D$9","v":"Enter \"My Info\" data"},null,null,null,null,null,null,{"$f":"'[1]Your Data'!$D$10","v":"Enter \"My Info\" data"}]
[]
[null,null,null,null,null,null,"\"Wait and Save More\"  vs  \"Buy Now\"  ~ Payment Tables"]
[null,null,null,null,{"$f":"IF(ISBLANK(Qualifying!C6),\"\",\"Prepared for:\")","v":""},null,null,{"$f":"IF(ISBLANK(Qualifying!C6),\"\",Qualifying!C6)","v":""},null,null,{"$f":"IF(ISBLANK(Qualifying!I6),\"\",\"Prepared for:\")","v":""},null,null,{"$f":"IF(ISBLANK(Qualifying!L6),\"\",\"Prepared for:\")","v":""}]
[null,null,null,null,null,null,"This table show results for the two buying options you've selected"]
[null,null,null,null,null,null,"The first is based on your \"What If We Wait \" factors, the second is todays known factors,  "]
[null,null,null,null,null,null,"Table shows: Monthly Payment,  how much is: interest,  principal,  and balance owing"]
[]
[null,null,null,null,null,null,"\" What If  We Wait\" Factors",null,null,null,null,null,"Today's Known Factors"]
[null,null,null,null,null,null,"Rate after your changes",null,null,{"$f":"'The Options'!N3","v":0},null,null,"Present Interest rate",null,null,{"$f":"'The Options'!T3","v":0}]
[null,null,null,null,null,null,"Mortgage after your changes",null,null,{"$f":"'The Options'!N4","v":0},null,null,"Mortgage at today's values",null,null,{"$f":"'The Options'!T4","v":0}]
[]
[null,null,null,null,null,null,"Payment","Interest","Principle","Mortgage Balance",null,null,"Payment","Interest","Principle","Mortgage Balance"]
[null,null,null,null,"month"]
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[null,null,null,null,84,null,{"$f":"'The Options'!K93","v":0},{"$f":"'The Options'!L93","v":0},{"$f":"'The Options'!M93","v":0},{"$f":"'The Options'!N93","v":0},null,null,{"$f":"'The Options'!Q93","v":0},{"$f":"'The Options'!R93","v":0},{"$f":"'The Options'!S93","v":0},{"$f":"'The Options'!T93","v":0}]
[null,null,null,null,85,null,{"$f":"'The Options'!K94","v":0},{"$f":"'The Options'!L94","v":0},{"$f":"'The Options'!M94","v":0},{"$f":"'The Options'!N94","v":0},null,null,{"$f":"'The Options'!Q94","v":0},{"$f":"'The Options'!R94","v":0},{"$f":"'The Options'!S94","v":0},{"$f":"'The Options'!T94","v":0}]
[null,null,null,null,86,null,{"$f":"'The Options'!K95","v":0},{"$f":"'The Options'!L95","v":0},{"$f":"'The Options'!M95","v":0},{"$f":"'The Options'!N95","v":0},null,null,{"$f":"'The Options'!Q95","v":0},{"$f":"'The Options'!R95","v":0},{"$f":"'The Options'!S95","v":0},{"$f":"'The Options'!T95","v":0}]
[null,null,null,null,87,null,{"$f":"'The Options'!K96","v":0},{"$f":"'The Options'!L96","v":0},{"$f":"'The Options'!M96","v":0},{"$f":"'The Options'!N96","v":0},null,null,{"$f":"'The Options'!Q96","v":0},{"$f":"'The Options'!R96","v":0},{"$f":"'The Options'!S96","v":0},{"$f":"'The Options'!T96","v":0}]
[null,null,null,null,88,null,{"$f":"'The Options'!K97","v":0},{"$f":"'The Options'!L97","v":0},{"$f":"'The Options'!M97","v":0},{"$f":"'The Options'!N97","v":0},null,null,{"$f":"'The Options'!Q97","v":0},{"$f":"'The Options'!R97","v":0},{"$f":"'The Options'!S97","v":0},{"$f":"'The Options'!T97","v":0}]
[null,null,null,null,89,null,{"$f":"'The Options'!K98","v":0},{"$f":"'The Options'!L98","v":0},{"$f":"'The Options'!M98","v":0},{"$f":"'The Options'!N98","v":0},null,null,{"$f":"'The Options'!Q98","v":0},{"$f":"'The Options'!R98","v":0},{"$f":"'The Options'!S98","v":0},{"$f":"'The Options'!T98","v":0}]
[null,null,null,null,90,null,{"$f":"'The Options'!K99","v":0},{"$f":"'The Options'!L99","v":0},{"$f":"'The Options'!M99","v":0},{"$f":"'The Options'!N99","v":0},null,null,{"$f":"'The Options'!Q99","v":0},{"$f":"'The Options'!R99","v":0},{"$f":"'The Options'!S99","v":0},{"$f":"'The Options'!T99","v":0}]
[null,null,null,null,91,null,{"$f":"'The Options'!K100","v":0},{"$f":"'The Options'!L100","v":0},{"$f":"'The Options'!M100","v":0},{"$f":"'The Options'!N100","v":0},null,null,{"$f":"'The Options'!Q100","v":0},{"$f":"'The Options'!R100","v":0},{"$f":"'The Options'!S100","v":0},{"$f":"'The Options'!T100","v":0}]
[null,null,null,null,92,null,{"$f":"'The Options'!K101","v":0},{"$f":"'The Options'!L101","v":0},{"$f":"'The Options'!M101","v":0},{"$f":"'The Options'!N101","v":0},null,null,{"$f":"'The Options'!Q101","v":0},{"$f":"'The Options'!R101","v":0},{"$f":"'The Options'!S101","v":0},{"$f":"'The Options'!T101","v":0}]
[null,null,null,null,93,null,{"$f":"'The Options'!K102","v":0},{"$f":"'The Options'!L102","v":0},{"$f":"'The Options'!M102","v":0},{"$f":"'The Options'!N102","v":0},null,null,{"$f":"'The Options'!Q102","v":0},{"$f":"'The Options'!R102","v":0},{"$f":"'The Options'!S102","v":0},{"$f":"'The Options'!T102","v":0}]
[null,null,null,null,94,null,{"$f":"'The Options'!K103","v":0},{"$f":"'The Options'!L103","v":0},{"$f":"'The Options'!M103","v":0},{"$f":"'The Options'!N103","v":0},null,null,{"$f":"'The Options'!Q103","v":0},{"$f":"'The Options'!R103","v":0},{"$f":"'The Options'!S103","v":0},{"$f":"'The Options'!T103","v":0}]
[null,null,null,null,95,null,{"$f":"'The Options'!K104","v":0},{"$f":"'The Options'!L104","v":0},{"$f":"'The Options'!M104","v":0},{"$f":"'The Options'!N104","v":0},null,null,{"$f":"'The Options'!Q104","v":0},{"$f":"'The Options'!R104","v":0},{"$f":"'The Options'!S104","v":0},{"$f":"'The Options'!T104","v":0}]
[null,null,null,null,96,null,{"$f":"'The Options'!K105","v":0},{"$f":"'The Options'!L105","v":0},{"$f":"'The Options'!M105","v":0},{"$f":"'The Options'!N105","v":0},null,null,{"$f":"'The Options'!Q105","v":0},{"$f":"'The Options'!R105","v":0},{"$f":"'The Options'!S105","v":0},{"$f":"'The Options'!T105","v":0}]
[null,null,null,null,97,null,{"$f":"'The Options'!K106","v":0},{"$f":"'The Options'!L106","v":0},{"$f":"'The Options'!M106","v":0},{"$f":"'The Options'!N106","v":0},null,null,{"$f":"'The Options'!Q106","v":0},{"$f":"'The Options'!R106","v":0},{"$f":"'The Options'!S106","v":0},{"$f":"'The Options'!T106","v":0}]
[null,null,null,null,98,null,{"$f":"'The Options'!K107","v":0},{"$f":"'The Options'!L107","v":0},{"$f":"'The Options'!M107","v":0},{"$f":"'The Options'!N107","v":0},null,null,{"$f":"'The Options'!Q107","v":0},{"$f":"'The Options'!R107","v":0},{"$f":"'The Options'!S107","v":0},{"$f":"'The Options'!T107","v":0}]
[null,null,null,null,99,null,{"$f":"'The Options'!K108","v":0},{"$f":"'The Options'!L108","v":0},{"$f":"'The Options'!M108","v":0},{"$f":"'The Options'!N108","v":0},null,null,{"$f":"'The Options'!Q108","v":0},{"$f":"'The Options'!R108","v":0},{"$f":"'The Options'!S108","v":0},{"$f":"'The Options'!T108","v":0}]
[null,null,null,null,100,null,{"$f":"'The Options'!K109","v":0},{"$f":"'The Options'!L109","v":0},{"$f":"'The Options'!M109","v":0},{"$f":"'The Options'!N109","v":0},null,null,{"$f":"'The Options'!Q109","v":0},{"$f":"'The Options'!R109","v":0},{"$f":"'The Options'!S109","v":0},{"$f":"'The Options'!T109","v":0}]
[null,null,null,null,101,null,{"$f":"'The Options'!K110","v":0},{"$f":"'The Options'!L110","v":0},{"$f":"'The Options'!M110","v":0},{"$f":"'The Options'!N110","v":0},null,null,{"$f":"'The Options'!Q110","v":0},{"$f":"'The Options'!R110","v":0},{"$f":"'The Options'!S110","v":0},{"$f":"'The Options'!T110","v":0}]
[null,null,null,null,102,null,{"$f":"'The Options'!K111","v":0},{"$f":"'The Options'!L111","v":0},{"$f":"'The Options'!M111","v":0},{"$f":"'The Options'!N111","v":0},null,null,{"$f":"'The Options'!Q111","v":0},{"$f":"'The Options'!R111","v":0},{"$f":"'The Options'!S111","v":0},{"$f":"'The Options'!T111","v":0}]
[null,null,null,null,103,null,{"$f":"'The Options'!K112","v":0},{"$f":"'The Options'!L112","v":0},{"$f":"'The Options'!M112","v":0},{"$f":"'The Options'!N112","v":0},null,null,{"$f":"'The Options'!Q112","v":0},{"$f":"'The Options'!R112","v":0},{"$f":"'The Options'!S112","v":0},{"$f":"'The Options'!T112","v":0}]
[null,null,null,null,104,null,{"$f":"'The Options'!K113","v":0},{"$f":"'The Options'!L113","v":0},{"$f":"'The Options'!M113","v":0},{"$f":"'The Options'!N113","v":0},null,null,{"$f":"'The Options'!Q113","v":0},{"$f":"'The Options'!R113","v":0},{"$f":"'The Options'!S113","v":0},{"$f":"'The Options'!T113","v":0}]
[null,null,null,null,105,null,{"$f":"'The Options'!K114","v":0},{"$f":"'The Options'!L114","v":0},{"$f":"'The Options'!M114","v":0},{"$f":"'The Options'!N114","v":0},null,null,{"$f":"'The Options'!Q114","v":0},{"$f":"'The Options'!R114","v":0},{"$f":"'The Options'!S114","v":0},{"$f":"'The Options'!T114","v":0}]
[null,null,null,null,106,null,{"$f":"'The Options'!K115","v":0},{"$f":"'The Options'!L115","v":0},{"$f":"'The Options'!M115","v":0},{"$f":"'The Options'!N115","v":0},null,null,{"$f":"'The Options'!Q115","v":0},{"$f":"'The Options'!R115","v":0},{"$f":"'The Options'!S115","v":0},{"$f":"'The Options'!T115","v":0}]
[null,null,null,null,107,null,{"$f":"'The Options'!K116","v":0},{"$f":"'The Options'!L116","v":0},{"$f":"'The Options'!M116","v":0},{"$f":"'The Options'!N116","v":0},null,null,{"$f":"'The Options'!Q116","v":0},{"$f":"'The Options'!R116","v":0},{"$f":"'The Options'!S116","v":0},{"$f":"'The Options'!T116","v":0}]
[null,null,null,null,108,null,{"$f":"'The Options'!K117","v":0},{"$f":"'The Options'!L117","v":0},{"$f":"'The Options'!M117","v":0},{"$f":"'The Options'!N117","v":0},null,null,{"$f":"'The Options'!Q117","v":0},{"$f":"'The Options'!R117","v":0},{"$f":"'The Options'!S117","v":0},{"$f":"'The Options'!T117","v":0}]
[null,null,null,null,109,null,{"$f":"'The Options'!K118","v":0},{"$f":"'The Options'!L118","v":0},{"$f":"'The Options'!M118","v":0},{"$f":"'The Options'!N118","v":0},null,null,{"$f":"'The Options'!Q118","v":0},{"$f":"'The Options'!R118","v":0},{"$f":"'The Options'!S118","v":0},{"$f":"'The Options'!T118","v":0}]
[null,null,null,null,110,null,{"$f":"'The Options'!K119","v":0},{"$f":"'The Options'!L119","v":0},{"$f":"'The Options'!M119","v":0},{"$f":"'The Options'!N119","v":0},null,null,{"$f":"'The Options'!Q119","v":0},{"$f":"'The Options'!R119","v":0},{"$f":"'The Options'!S119","v":0},{"$f":"'The Options'!T119","v":0}]
[null,null,null,null,111,null,{"$f":"'The Options'!K120","v":0},{"$f":"'The Options'!L120","v":0},{"$f":"'The Options'!M120","v":0},{"$f":"'The Options'!N120","v":0},null,null,{"$f":"'The Options'!Q120","v":0},{"$f":"'The Options'!R120","v":0},{"$f":"'The Options'!S120","v":0},{"$f":"'The Options'!T120","v":0}]
[null,null,null,null,112,null,{"$f":"'The Options'!K121","v":0},{"$f":"'The Options'!L121","v":0},{"$f":"'The Options'!M121","v":0},{"$f":"'The Options'!N121","v":0},null,null,{"$f":"'The Options'!Q121","v":0},{"$f":"'The Options'!R121","v":0},{"$f":"'The Options'!S121","v":0},{"$f":"'The Options'!T121","v":0}]
[null,null,null,null,113,null,{"$f":"'The Options'!K122","v":0},{"$f":"'The Options'!L122","v":0},{"$f":"'The Options'!M122","v":0},{"$f":"'The Options'!N122","v":0},null,null,{"$f":"'The Options'!Q122","v":0},{"$f":"'The Options'!R122","v":0},{"$f":"'The Options'!S122","v":0},{"$f":"'The Options'!T122","v":0}]
[null,null,null,null,114,null,{"$f":"'The Options'!K123","v":0},{"$f":"'The Options'!L123","v":0},{"$f":"'The Options'!M123","v":0},{"$f":"'The Options'!N123","v":0},null,null,{"$f":"'The Options'!Q123","v":0},{"$f":"'The Options'!R123","v":0},{"$f":"'The Options'!S123","v":0},{"$f":"'The Options'!T123","v":0}]
[null,null,null,null,115,null,{"$f":"'The Options'!K124","v":0},{"$f":"'The Options'!L124","v":0},{"$f":"'The Options'!M124","v":0},{"$f":"'The Options'!N124","v":0},null,null,{"$f":"'The Options'!Q124","v":0},{"$f":"'The Options'!R124","v":0},{"$f":"'The Options'!S124","v":0},{"$f":"'The Options'!T124","v":0}]
[null,null,null,null,116,null,{"$f":"'The Options'!K125","v":0},{"$f":"'The Options'!L125","v":0},{"$f":"'The Options'!M125","v":0},{"$f":"'The Options'!N125","v":0},null,null,{"$f":"'The Options'!Q125","v":0},{"$f":"'The Options'!R125","v":0},{"$f":"'The Options'!S125","v":0},{"$f":"'The Options'!T125","v":0}]
[null,null,null,null,117,null,{"$f":"'The Options'!K126","v":0},{"$f":"'The Options'!L126","v":0},{"$f":"'The Options'!M126","v":0},{"$f":"'The Options'!N126","v":0},null,null,{"$f":"'The Options'!Q126","v":0},{"$f":"'The Options'!R126","v":0},{"$f":"'The Options'!S126","v":0},{"$f":"'The Options'!T126","v":0}]
[null,null,null,null,118,null,{"$f":"'The Options'!K127","v":0},{"$f":"'The Options'!L127","v":0},{"$f":"'The Options'!M127","v":0},{"$f":"'The Options'!N127","v":0},null,null,{"$f":"'The Options'!Q127","v":0},{"$f":"'The Options'!R127","v":0},{"$f":"'The Options'!S127","v":0},{"$f":"'The Options'!T127","v":0}]
[null,null,null,null,119,null,{"$f":"'The Options'!K128","v":0},{"$f":"'The Options'!L128","v":0},{"$f":"'The Options'!M128","v":0},{"$f":"'The Options'!N128","v":0},null,null,{"$f":"'The Options'!Q128","v":0},{"$f":"'The Options'!R128","v":0},{"$f":"'The Options'!S128","v":0},{"$f":"'The Options'!T128","v":0}]
[null,null,null,null,120,null,{"$f":"'The Options'!K129","v":0},{"$f":"'The Options'!L129","v":0},{"$f":"'The Options'!M129","v":0},{"$f":"'The Options'!N129","v":0},null,null,{"$f":"'The Options'!Q129","v":0},{"$f":"'The Options'!R129","v":0},{"$f":"'The Options'!S129","v":0},{"$f":"'The Options'!T129","v":0}]

{"sheet":"Rent Instead report","index":5,"n_rows":137,"n_cols":16,"rows_kept":137,"cut":false,"hidden":true,"merged":[[5,1,5,13],[7,1,7,13],[0,1,0,14],[1,1,1,14],[2,1,2,14],[3,1,3,7],[3,8,3,13],[6,1,6,3],[6,4,6,13],[29,1,29,2],[31,1,32,2],[31,3,32,3],[12,7,12,8],[17,1,17,3],[18,1,18,3],[26,1,26,2],[27,1,27,2],[15,6,16,6],[15,7,16,7],[15,12,16,12],[15,8,16,8],[8,1,8,13],[9,1,9,13],[11,7,11,8],[11,10,11,13],[15,10,16,10],[12,10,12,13],[15,11,16,11]]}
[null,"Provided by:"]
[null,{"$f":"'[1]Your Data'!$D$8","v":"Enter \"My Info\" data"}]
[null,{"$f":"'[1]Your Data'!$D$14","v":"Enter \"My Info\" data"}]
[null,{"$f":"'[1]Your Data'!$D$9","v":"Enter \"My Info\" data"},null,null,null,null,null,null,{"$f":"'[1]Your Data'!$D$9","v":"Enter \"My Info\" data"}]
[]
[null,"Building Equity for Future or Retirement"]
[null,{"$f":"IF(ISBLANK(Qualifying!C6),\"\",\"Prepared for:\")","v":""},null,null,{"$f":"IF(ISBLANK(Qualifying!C6),\"\",Qualifying!C6)","v":""}]
[null,"This table compares  \"Renting & Saving\"   vs.  \"Owning & Building Equity in a Home\""]
[null,"Comparison considers saving the difference between the rent you would pay"]
[null,"versus  Mortgage Payment + Home Ownership costs"]
[]
[null,null,null,null,null,null,null,"Property Equity",null,null,"Rent and Save Difference"]
[null,null,null,null,"Rate",null,{"$f":"'The Options'!T3","v":0},"net of R.E. commission",null,null,"beginning Cash is Down Payment money"]
[null,null,null,null,"Mortgage",null,{"$f":"'The Options'!T4","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Cash"]
[null,null,null,null,null,null,"Mortgage Balance","Property Value","Property Equity",null,"Rent","Savings","Interest Earned","Balance"]
[null,null,null,null,"month",null,null,null,null,null,null,null,null,{"$f":"'The Options'!AC9","v":0}]
[null,"Your estimated",null,null,1,null,{"$f":"'The Options'!T10","v":0},{"$f":"'The Options'!W10","v":0},{"$f":"'The Options'!X10","v":0},null,{"$f":"'The Options'!Z10","v":0},{"$f":"'The Options'!AA10","v":0},{"$f":"'The Options'!AB10","v":0},{"$f":"'The Options'!AC10","v":0}]
[null,"Home Ownership costs",null,null,2,null,{"$f":"'The Options'!T11","v":0},{"$f":"'The Options'!W11","v":0},{"$f":"'The Options'!X11","v":0},null,{"$f":"'The Options'!Z11","v":0},{"$f":"'The Options'!AA11","v":0},{"$f":"'The Options'!AB11","v":0},{"$f":"'The Options'!AC11","v":0}]
[null,null,null,null,3,null,{"$f":"'The Options'!T12","v":0},{"$f":"'The Options'!W12","v":0},{"$f":"'The Options'!X12","v":0},null,{"$f":"'The Options'!Z12","v":0},{"$f":"'The Options'!AA12","v":0},{"$f":"'The Options'!AB12","v":0},{"$f":"'The Options'!AC12","v":0},null,{"$f":"SUM(P11:P19)","v":0}]
[null,"Taxes",null,{"$f":"'The Options'!AG4","v":0},4,null,{"$f":"'The Options'!T13","v":0},{"$f":"'The Options'!W13","v":0},{"$f":"'The Options'!X13","v":0},null,{"$f":"'The Options'!Z13","v":0},{"$f":"'The Options'!AA13","v":0},{"$f":"'The Options'!AB13","v":0},{"$f":"'The Options'!AC13","v":0}]
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[null,"Maintenance",null,{"$f":"'The Options'!AG6","v":0},6,null,{"$f":"'The Options'!T15","v":0},{"$f":"'The Options'!W15","v":0},{"$f":"'The Options'!X15","v":0},null,{"$f":"'The Options'!Z15","v":0},{"$f":"'The Options'!AA15","v":0},{"$f":"'The Options'!AB15","v":0},{"$f":"'The Options'!AC15","v":0}]
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[null,"Property Transfer Tax Calculations ( rates confirmed Jan 6, 2020 )",null,null,null,{"$f":"IF(ISBLANK(E7),\"< Click to select Region\",\"\")","v":"< Click to select Region"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"\"ON\" \"Toronto\" \"PEI\"",null,"Tax","FTB's Tax",null,null,null,null,"\"PQ\" \"Montreal\" \"SK\" YK\""]
[null,null,{"$f":"IF(OR(E7=\"On\",E7=\"Toronto\"),\"Property price (excluding any GST or HST)\",IF(OR(E7=\"QC\",E7=\"Montreal\"),\"Property price (excluding any GST & QST)\",\"Property price (including any GST or HST)\"))","v":"Property price (including any GST or HST)"},null,{"$f":"IF(AND(E7<>\"\",ISBLANK(D8)),\" < Entry Required\",\"\")","v":""},null,null,{"$f":"IF(AND(E7=\"NS\",ISBLANK(H9)),\"click Drop-Down arrow below for town\",\"\")","v":""},null,null,null,null,null,null,"\"AB\"  \"MB\"  \"NB\"  \"NL\"  \"NS\"  \"NT\"  \"NU\"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"To Display ",null,{"$f":"IF(D11=1,AO9,IF(D11=2,AO10,IF(D11=3,AO11,IF(D11=4,AO12,\"\"))))","v":""},{"$f":"IF(D11=1,AP9,IF(D11=2,AP10,IF(D11=3,AP11,IF(D11=4,AP12,\"\"))))","v":""},null,null,null,null,"Land Fee Name",null,{"$f":"IF(E7=\"PQ\",AU16,IF(E7=\"Montreal\",AU24,IF(E7=\"SK\",AY16,IF(E7=\"YT\",BB16,\"\"))))","v":""},null,null,{"$f":"IF(E7=\"Montreal\",AX32,IF(E7=\"PQ\",AX23,IF(E7=\"SK\",BA23,IF(E7=\"YT\",BE23,\"\"))))","v":""}]
[null,{"$f":"IF(AND(E7=\"BC\",D8>1,D8<800000),\"Can. Citizen & Perm. Resident & New construction Y/N ? \",\"\")","v":""},null,null,{"$f":"IF(E7=\"ns\",\"      Select NS Town/Municipality >\",IF(AND(E7=\"BC\",D8>1,D8<800000,D9=\".\"),\"< Select: Yes or No\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,"Land Fee Name",null,{"$f":"IF(E7=\"AB\",O16,IF(E7=\"MB\",R16,IF(E7=\"NB\",V16,IF(E7=\"NL\",Y16,IF(E7=\"NS\",AB16,IF(E7=\"NT\",AI16,IF(E7=\"NU\",AE16,\"\")))))))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 Buyer",null,{"$f":"IF(E7=\"ON\",AP23,IF(E7=\"Toronto\",AP51,IF(E7=\"PEI\",AT23,\"\")))","v":""},{"$f":"IF(E7=\"ON\",AP27-AO27,IF(E7=\"Toronto\",(AP23+AP48)-AO51,IF(E7=\"PEI\",AT23-AT30,\"\")))","v":""},null,null,null,null,"Land Fee Amount",null,{"$f":"IF(E7=\"SK\",AY24,IF(E7=\"YT\",BB24,\"\"))","v":""},null,null,{"$f":"IF(E7=\"SK\",BA32,IF(E7=\"YT\",BE33,\"\"))","v":""},null,null,null,null,null,null,null,null,"NOVA SCOTIA RATES"]
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[null,null,{"$f":"IF(OR(E7=\"BC\",E7=\"On\",E7=\"Toronto\",E7=\"PEI\"),\"Number of Purchasers  (max 4 most lenders)\",\"\")","v":""},null,{"$f":"IF(AND(E7=\"BC\",ISBLANK(D11)),\" < Entry Required\",IF(AND(E7=\"ON\",ISBLANK(D11)),\" < Entry Required\",IF(AND(E7=\"Toronto\",ISBLANK(D11)),\" < Entry Required\",\"\")))","v":""},{"$f":"IF(ISBLANK(H9),\"\",VLOOKUP(H9,BJ11:BK69,2,2))","v":""},null,null,null,null,null,null,null,null,"Mortgage Fee Name",null,{"$f":"IF(OR(E7=\"AB\",E7=\"NL\",E7=\"NU\",E7=\"NT\"),\"Mortgage Registration Fee\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3 Buyers",null,{"$f":"IF(E7=\"ON\",AP23/3,IF(E7=\"Toronto\",AP51/3,IF(E7=\"PEI\",AT23/3,\"\")))","v":""},{"$f":"IF(E7=\"ON\",(AP27-AO27)/3,IF(E7=\"Toronto\",AP9/3,IF(E7=\"PEI\",(AT23-AT30)/3,\"\")))","v":""},null,null,null,null,"Mortgage Fee Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* * * * *"]
[null,null,{"$f":"IF(OR(E7=\"ON\",E7=\"Toronto\"),\"Number of units\",\"\")","v":""},null,{"$f":"IF(AND(OR(E7=\"ON\",E7=\"Toronto\"),ISBLANK(D12)),\" < Entry Required for Ontario/Toronto\",\"\")","v":""},null,null,null,null,null,null,null,null,null,"Mortgage Fee",null,{"$f":"IF(E7=\"AB\",Q27,IF(E7=\"nl\",AA32,IF(E7=\"NU\",AH32,IF(E7=\"NT\",AL32,\"\"))))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4 Buyers",null,{"$f":"IF(E7=\"ON\",AP23/4,IF(E7=\"Toronto\",AP51/4,IF(E7=\"PEI\",AT23/4,\"\")))","v":""},{"$f":"IF(E7=\"ON\",(AP27-AO27)/4,IF(E7=\"Toronto\",AP9/4,IF(E7=\"PEI\",(AT23-AT30)/4,\"\")))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Display NOTE","Note:- \"Towns\"  listed after Municipalities"]
[null,null,"Please be aware of taxes/exemptions for your market.\n (click here to read comment)",{"$f":"IF(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\"),\"Share of Tax \n(after Reduction)\",\"Amount\")","v":"Amount"},{"$f":"IF(AND(E7=\"ON\",D12>2),\"\",IF(AND(E7=\"Toronto\",D12>2),\"\",IF(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),\"Select First Time Buyer options\",\"\")))","v":""},{"$f":"IF(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\"),\"'Related' to Seller\",\"\")","v":""},null,null,null,null,null,"\"BC\"",null,null,1,null,null,2,null,null,null,3,null,null,5,null,null,4,null,null,6,null,null,null,7,null,null,null,"8 + 9",null,null,null,10,null,null,null,"11 + 12",null,null,null,13,null,null,14,null,null,null,null,null,null,"Cape Breton","Cape Breton Regional Municipality",1.4999999999999999E-2]
[null,null,{"$f":"IF(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),\"Primary purchaser\",IF(OR(E7=\"AB\",E7=\"MB\",E7=\"NB\",E7=\"NL\",E7=\"NS\",E7=\"NT\",E7=\"NU\"),Q9,IF(OR(E7=\"PQ\",E7=\"Montreal\",E7=\"SK\",E7=\"YT\"),AW8,\"\")))","v":""},{"$f":"IF(AND(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),F14=\"yes\"),0,IF(AND(OR(E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),E14=\"yes\"),AP8,IF(OR(E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),AO8,IF(OR(E7=\"AB\",E7=\"MB\",E7=\"NB\",E7=\"NL\",E7=\"NS\",E7=\"NT\",E7=\"NU\"),Q10,IF(OR(E7=\"PQ\",E7=\"Montreal\",E7=\"SK\",E7=\"YT\"),AZ8,IF(E14=\"Yes\",L28,IF(E14=\"No\",M28,\"\")))))))","v":""},null,null,null,{"$f":"IF(AND(OR(E7=\"ON\",E7=\"Toronto\",E7=\"BC\"),D11>0,ISBLANK(E14)),\"< First Time & Related entry required\",\"\")","v":""},null,null,null,"BC PTT",null,null,"Alberta",null,null,"Manitoba",null,null,null,"New Brunswick",null,null,"Newfoundland / Labrador",null,null,"Nova Scotia",null,null,"Nunavut",null,null,null,"N.W.T.",null,null,null,"Ontario",null,null,null,"PEI",null,null,null,"Quebec",null,null,null,"Saskatchewan",null,null,"Yukon",null,null,null,null,null,null,"Halifax","Halifax Regional Municipality",1.4999999999999999E-2]
[null,null,{"$f":"IF(AND(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11>1),\"Second buyer on title\",IF(OR(E7=\"SK\",E7=\"YT\"),AW9,IF(OR(E7=\"PQ\",E7=\"Montreal\"),AU34,\"\")))","v":""},{"$f":"IF(AND(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11>1,F15=\"yes\"),0,IF(AND(OR(E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11>1,E15=\"yes\"),AP8,IF(AND(OR(E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11>1),AO8,IF(AND(E7=\"BC\",E15=\"Yes\"),L29,IF(AND(E7=\"BC\",E15=\"No\"),M29,IF(OR(E7=\"SK\",E7=\"YT\"),AZ9,\"\"))))))","v":""},null,null,null,{"$f":"IF(AND(OR(E7=\"ON\",E7=\"Toronto\",E7=\"BC\"),D11>1,ISBLANK(E15)),\"< First Time & Related entry required\",\"\")","v":""},null,null,null,"checked 01/02/20",null,null,"checked 01/02/20",null,null,"checked 01/02/20",null,null,null,"checked 01/02/20",null,null,"checked 01/02/20",null,null,"checked 01/02/20",null,null,"checked 01/02/20",null,null,null,"checked 01/02/20",null,null,null,"checked 01/02/20",null,null,null,"checked 01/02/20",null,null,null,"checked 01/02/20",null,null,null,"checked 01/02/20",null,null,"checked 01/02/20",null,null,null,null,null,null,"Annapolis","Municipality of the County of Annapolis",1.4999999999999999E-2]
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[null,null,{"$f":"IF(AND(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11>3),\"Fourth buyer on title \",\"\")","v":""},{"$f":"IF(AND(OR(E7=\"BC\",E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11=4,F17=\"yes\"),0,IF(AND(OR(E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11=4,E17=\"yes\"),AP8,IF(AND(OR(E7=\"ON\",E7=\"Toronto\",E7=\"PEI\"),D11=4),AO8,IF(AND(E7=\"BC\",E17=\"Yes\"),L31,IF(AND(E7=\"BC\",E17=\"No\"),M31,\"\")))))","v":""},null,null,null,{"$f":"IF(AND(OR(E7=\"On\",E7=\"Toronto\",E7=\"BC\"),D11>3,ISBLANK(E17)),\"< First Time & Related entry required\",\"\")","v":""},null,null,null,"NEW   under $800,001 tax",null,{"$f":"IF(AND(D9=\"yes\",D8>750000,D8<800001),2000+((D8-200000)*0.02),0)","v":0},"Land reg fee = $50+$1 for every $5k",null,null,null,null,"Amt To Use",null,null,null,null,null,null,"Amt To Use",null,null,null,null,null,"$1,000's",null,null,null,"$1,000's",null,null,null,null,null,null,null,null,null,{"$f":"D8","v":0},null,"purchase price",null,null,null,null,99999.99,null,50,{"$f":"IF(AND($E$7=\"YT\",$D$8>0,$D$8<(BB17+0.01)),BD17,0)","v":0},null,null,null,"Colchester","Municipality of the County of Colchester",0.01]
[null,null,"Government Fees/Taxes on this transaction",{"$f":"IF(AND(E7=\"PEI\",E15=\"no\"),D14,IF(E7=\"MB\",U23,SUM(D14:D17)))","v":0},null,null,null,null,null,null,null,"$750k-$800k reduction",null,{"$f":"+IF(AND(D9=\"Yes\",D8>750000,D8<800001),((800000-D8)/50000)*(2000+((D8-200000)*0.02)),0)","v":0},null,null,null,30000,0,{"$f":"IF($D$8<R18,$D$8,R18)","v":0},{"$f":"T18*S18","v":0},5.0000000000000001E-3,{"$f":"$D$8","v":0},{"$f":"W18*V18","v":0},500,null,{"$f":"IF(D8>500,100)","v":false},"see special table\nto far right",null,null,"minimum $60 Fee",null,null,null,"Miminum $100 fee",null,null,null,55000,5.0000000000000001E-3,{"$f":"IF($D$8<AM18,$D$8,AM18)","v":0},{"$f":"AO18*AN18","v":0},"if property price <$30,001 then no tax",null,null,null,50900,5.0000000000000001E-3,{"$f":"IF($D$8<AU18,$D$8,AU18)","v":0},{"$f":"AW18*AV18","v":0},"<$501",null,{"$f":"IF($D$8<501,0,0)","v":0},499999.99,null,150,{"$f":"IF(AND($E$7=\"YT\",$D$8>BB17,$D$8<(BB18+0.01)),BD18,0)","v":0},null,null,null,"Cumberland","Municipality of the County of Cumberland",1.4999999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,"If NOT New<800k -  under $200,001",null,{"$f":"IF(ISBLANK(D8),0,IF(AND(D9=\"yes\",D8<800001),0,IF(AND(D9=\"No\",D8<200001),D8*0.01,2000)))","v":0},null,null,{"$f":"50+($D$8/5000)","v":50},90000,5.0000000000000001E-3,{"$f":"IF($D$8<R18+0.01,0,IF(AND($D$8>R18,$D$8<R19),$D$8-R18,R19-R18))","v":0},{"$f":"T19*S19","v":0},null,null,null,{"$f":"IF(ISBLANK($D$8),0,$D$8-Y18)","v":0},0.4,{"$f":"IF($D$8>Y18,(Y19/100)*Z19,0)","v":0},null,null,null,"up to $1M","$1.50/K",{"$f":"IF(ROUND($D$8/1000,0)>1000,1000,ROUND($D$8/1000,0))","v":0},{"$f":"IF((AG19*1.5)<60,60,AG19*1.5)","v":60},"up to $1M","$1.65/K",{"$f":"IF(ROUND($D$8/1000,0)>1000,1000,ROUND($D$8/1000,0))","v":0},{"$f":"IF((AK19*1.65)<100,100,AK19*1.65)","v":100},250000,0.01,{"$f":"IF($D$8<AM18+0.01,0,IF(AND($D$8>AM18,$D$8<AM19),$D$8-AM18,AM19-AM18))","v":0},{"$f":"AO19*AN19","v":0},{"$f":"D8","v":0},0.01,"of full value",{"$f":"IF(D8>30000,AQ19*AR19,0)","v":0},254400,0.01,{"$f":"IF($D$8<AU18+0.01,0,IF(AND($D$8>AU18,$D$8<AU19),$D$8-AU18,AU19-AU18))","v":0},{"$f":"AW19*AV19","v":0},"$501 - $8400",12.5,{"$f":"IF(AND($D$8>500,$D$8<8401),12.5,0)","v":0},2999999.99,null,350,{"$f":"IF(AND($E$7=\"YT\",$D$8>BB18,$D$8<(BB19+0.01)),BD19,0)","v":0},null,null,null,"Inverness","Municipality of the County of Inverness",1.4999999999999999E-2]
[null,"Available Equity estimations",null,null,null,null,null,null,null,null,null,"2% tax on $200,000 to $2,000,000",null,{"$f":"IF(ISBLANK(D8),0,IF(D8<200001,0,IF(AND(D9=\"yes\",D8<800001),0,IF(D8>200000,(D8-200000)*0.02))))","v":0},null,null,null,150000,0.01,{"$f":"IF($D$8<R19+0.01,0,IF(AND($D$8<R20,$D$8>R19),$D$8-R19,R20-R19))","v":0},{"$f":"T20*S20","v":0},null,null,null,null,null,null,null,null,null,"over $1M","$1.00/k",{"$f":"IF($D$8<1000000,0,ROUND(($D$8-1000000)/1000,0))","v":0},{"$f":"IF($D$8>1000000,AG20*1,0)","v":0},"over $1M","$1.00/k",{"$f":"IF($D$8<1000000,0,ROUND(($D$8-1000000)/1000,0))","v":0},{"$f":"IF($D$8>1000000,AK20,0)","v":0},400000,1.4999999999999999E-2,{"$f":"IF($D$8<AM19+0.01,0,IF(AND($D$8<AM20,$D$8>AM19),$D$8-AM19,AM20-AM19))","v":0},{"$f":"AO20*AN20","v":0},null,null,null,null,254400,1.4999999999999999E-2,{"$f":"IF($D$8<AU19,0,IF($D$8>AU19,$D$8-AU19,AU20-AU19))","v":0},{"$f":"AW20*AV20","v":0},"$8401 and up",1.5E-3,{"$f":"IF($D$8>8400,$D$8*AZ20,0)","v":0},9999999.9900000002,null,550,{"$f":"IF(AND($E$7=\"YT\",$D$8>BB19,$D$8<(BB20+0.01)),BD20,0)","v":0},null,null,null,"Kings","Municipality of the County of Kings",0]
[null,null,"Savings available",null,null,null,null,null,null,null,null,"3% tax on $2.000.001 to $3,000,000",null,{"$f":"IF(D8>2000000,(D8-2000000)*0.01,0)","v":0},null,null,null,200000,1.4999999999999999E-2,{"$f":"IF($D$8<R20+0.01,0,IF(AND($D$8<R21,$D$8>R20),$D$8-R20,R21-R20))","v":0},{"$f":"T21*S21","v":0},null,null,null,"40c per $100 over $500",null,null,"rates are per\n Town or Municipality",null,null,null,null,null,null,null,null,null,null,2000000,0.02,{"$f":"IF($D$8<AM20,0,$D$8-AM20)","v":0},{"$f":"AO21*AN21","v":0},null,null,null,null,null,null,null,null,null,null,null,10000000,null,750,{"$f":"IF(AND($E$7=\"YT\",$D$8>BB20,$D$8<(BB21+0.01)),BD21,0)","v":0},null,null,null,"Pictou","Municipality of the County of Pictou",0.01]
[null,null,"RRSP's available",null,null,null,null,null,null,null,null,"5% tax on $3,000,001 and more",null,{"$f":"IF(D8>3000000,(D8-3000000)*0.02,0)","v":0},null,null,null,200000,0.02,{"$f":"IF($D$8<R21,0,IF($D$8>R21,$D$8-R21,R22-R21))","v":0},{"$f":"T22*S22","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000000,2.5000000000000001E-2,{"$f":"IF($D$8<AM21,0,$D$8-AM22)","v":0},{"$f":"AO22*AN22","v":0},null,null,null,null,null,null,null,null,null,null,null,"Assurance Fund  $20+($10/$10k)",null,null,{"$f":"IF($D$8>10000,((($D$8-10000)/10000)*10),0)","v":0},null,null,null,"Richmond","Municipality of the County of Richmond",1.4999999999999999E-2]
[null,null,"Family Gifts available",null,null,null,null,null,null,null,null,{"$f":"IF(D9=\"yes\",\"Total Tax NEW home\",\"Total Regular Tax\")","v":"Total Regular Tax"},null,{"$f":"IF(ISBLANK(D8),0,IF(AND(D9=\"yes\",D8<800001),(N17-N18),N19+N20+N21+N22))","v":0},null,null,null,null,null,null,{"$f":"SUM(U18:U22)","v":0},null,null,{"$f":"SUM(X18:X22)","v":0},null,null,{"$f":"SUM(AA18:AA22)","v":0},null,null,null,null,null,null,{"$f":"SUM(AH19:AH22)","v":60},null,null,null,{"$f":"SUM(AL19:AL22)","v":100},null,null,null,{"$f":"SUM(AP18:AP22)","v":0},null,null,null,{"$f":"SUM(AT18:AT22)","v":0},null,null,null,{"$f":"SUM(AX18:AX22)","v":0},null,null,{"$f":"SUM(BA18:BA22)","v":0},null,null,null,{"$f":"SUM(BE17:BE21)","v":0},null,null,null,"Victoria","Municipality of the County of Victoria",0.01]
[null,null,"Liquid Cash",{"$f":"SUM(D21:D23)","v":0},"a",null,null,null,null,null,null,"FTB rebate $500k-$525k",null,{"$f":"-IF(AND(D8>499999,D8<525000),N23*((525000-D8)/25000),0)","v":0},"Mort reg = $50+$1 for every $5000",null,null,null,null,null,null,null,null,null,"Mortgage Registration Fee",null,null,null,null,null,"Mortgage Registration Fee",null,null,null,"Mortgage Registration Fee",null,null,null,"Maximum Ontario FTB Rebate",null,null,4000,null,null,null,null,"Montreal Transfer of Imovables Duty",null,null,null,"Mortgage Registration Fee",null,null,"Mortgage Registration Fee",null,null,null,null,null,null,"Shelburne","Municipality of the District of Barrington",1.4999999999999999E-2]
[null,null,"Present home selling price",null,null,null,null,null,null,null,null,"FTB if $500k-$525k",null,{"$f":"IF(AND(D9=\"Yes\",D8<750000),0,IF(AND(D9=\"No\",D8>499000,D8<525001),N23+N24,0))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$1,000's",null,null,null,"$1,000's",null,null,null,null,null,"First Time Buyers are exempt Real Property Tax",null,null,null,"Montreal",null,null,null,null,null,null,null,null,null,null,null,null,null,"Lunenburg","Municipality of the District of Chester",1.4999999999999999E-2]
[null,null,"Realtor Commissions",null,{"$f":"IF(ISBLANK(D25),\"\",(7000+((D25-100000)*0.025)))","v":""},{"$f":"IF(ISBLANK(D25),\"\",\" <Typical\")","v":""},null,null,null,null,null,"FTB Tax Due",null,{"$f":"IF(D8<475001,0,IF(AND(D9=\"yes\",D8<800001),N23,IF(D8<525001,N23+N24,N23)))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ontario Province",null,"FTB","Regular",null,null,null,null,51700,5.0000000000000001E-3,{"$f":"IF($D$8<AU26,$D$8,AU26)","v":0},{"$f":"AW26*AV26","v":0},null,null,null,99999.99,null,50,{"$f":"IF(AND($E$7=\"YT\",$D$10<(BB26+0.01)),BD26,0)","v":0},null,null,null,"Digby","Municipality of the District of Clare",5.0000000000000001E-3]
[null,null,"Legal Costs",null,null,null,null,null,null,null,null,"FTB","Not FTB","Related",null,null,{"$f":"50+($D$10/5000)","v":50},null,null,null,null,null,null,null,500,null,100,null,null,null,"minimum $40 Fee",null,null,null,"minimum $80 Fee",null,null,null,"to be split w/purchasers",null,{"$f":"IF(D12>2,0,IF(AP27>4000,4000,AP27))","v":0},{"$f":"AP23","v":0},null,null,null,null,258600,0.01,{"$f":"IF(D$8<AU26+0.01,0,IF(AND(D$8>AU26,D$8<AU27),D$8-AU26,(AU27-AU26)))","v":0},0,"minimum $160 Fee",null,null,499999.99,null,100,{"$f":"IF(AND($E$7=\"YT\",$D$10>BB26,$D$10<(BB27+0.01)),BD27,0)","v":0},null,null,null,"Digby","Municipality of the District of Digby",0.01]
[null,null,"Sale Proceeds",{"$f":"D25-D26-D27","v":0},null,null,null,null,null,null,null,{"$f":"IF(D$11=1,N$26,IF(D$11=2,N$26/2,IF(D$11=3,N$26/3,IF(D$11=4,N$26/4,0))))","v":0},{"$f":"IF(D$11=1,N$23,IF(D$11=2,N$23/2,IF(D$11=3,N$23/3,IF(D$11=4,N$23/4,0))))","v":0},0,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISBLANK($D$10),0,$D$10-Y27)","v":0},0.4,{"$f":"IF($D$10>Y27,(Y28/100)*Z28,0)","v":0},null,null,null,"all values","$1.00/K",{"$f":"ROUND($D$8/1000,0)","v":0},{"$f":"IF(AG28<40,40,AG28)","v":40},null,"$1.10/K",{"$f":"ROUND($D$8/1000,0)","v":0},{"$f":"IF((AK28*1.1)<80,80,AK28*1.1)","v":80},null,null,null,null,null,null,null,null,517100,1.4999999999999999E-2,{"$f":"IF(D$8<AU27+0.01,0,IF(AND(D$8>AU27,D$8<AU28),D$8-AU27,(AU28-AU27)))","v":0},0,null,null,160,999999.99,null,200,{"$f":"IF(AND($E$7=\"YT\",$D$10>BB27,$D$10<(BB28+0.01)),BD28,0)","v":0},null,null,null,"Guysborough","Municipality of the District of Guysborough",0.01]
[null,null,"First Mortgage to be paid",null,null,null,null,null,null,null,null,{"$f":"IF(D$11=2,N$26/2,IF(D$11=3,N$26/3,IF(D$11=4,N$26/4,0)))","v":0},{"$f":"IF(D$11=2,N$23/2,IF(D$11=3,N$23/3,IF(D$11=4,N$23/4,0)))","v":0},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1034200,0.02,{"$f":"IF(D$8<AU28+0.01,0,IF(AND(D$8>AU28,D$8<AU29),D$8-AU28,(AU29-AU28)))","v":0},0,null,null,null,4999999.99,null,400,0,null,null,null,"Hants","Municipality of the District of Hants East",1.4999999999999999E-2]
[null,null,"Other mortgages to be paid",null,null,null,null,null,null,null,null,{"$f":"IF(D$11=3,N$26/3,IF(D$11=4,N$26/4,0))","v":0},{"$f":"IF(D$11=3,N$23/3,IF(D$11=4,N$23/4,0))","v":0},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toronto","1 to 2 units",null,null,"P.E.I. FTB Reduction",null,null,{"$f":"AT23","v":0},2000000,2.5000000000000001E-2,{"$f":"IF(D$8<AU29+0.01,0,IF(AND(D$8>AU29,D$8<AU30),D$8-AU29,(AU30-AU29)))","v":0},0,null,null,null,9999999.9900000002,null,600,0,null,null,null,"Hants","Municipality of the District of Hants West",1.4999999999999999E-2]
[null,null,"Lines of Credit to be paid",null,null,null,null,null,null,null,null,{"$f":"IF(D$11=4,N$26/4,0)","v":0},{"$f":"IF(D$11=4,N$23/4,0)","v":0},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000000,0.03,{"$f":"IF(D$8<AU30+0.01,0,IF(D$8>AU30,D$8-AU30,0))","v":0},0,null,null,null,19999999.989999998,null,800,0,null,null,null,"Lunenburg","Municipality of the District of Lunenburg",1.2500000000000001E-2]
[null,null,"Credit Cards to pay off",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AA27:AA31)","v":100},null,null,null,null,null,null,{"$f":"SUM(AH27:AH31)","v":40},null,null,null,{"$f":"SUM(AL27:AL31)","v":80},55000,5.0000000000000001E-3,{"$f":"IF($D$8<AM32,$D$8,AM32)","v":0},{"$f":"AO32*AN32","v":0},null,null,null,null,null,null,null,{"$f":"SUM(AX26:AX30)","v":0},null,null,{"$f":"BA28","v":160},20000000,null,1000,0,null,null,null,"Shelburne","Municipality of the District of Shelburne",1.4999999999999999E-2]
[null,null,"Term Loans to pay off",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,0.01,{"$f":"IF($D$8<AM32+0.01,0,IF(AND($D$8>AM32,$D$8<AM33),$D$8-AM32,AM33-AM32))","v":0},{"$f":"AO33*AN33","v":0},null,null,null,null,"Quebec FTB Rebate",null,"None",0,null,null,null,null,null,null,{"$f":"SUM(BE26:BE32)","v":0},null,null,null,"Guysborough","Municipality of the District of St. Mary’s",1.2500000000000001E-2]
[null,null,"NET Sale Proceeds",{"$f":"D28-SUM(D29:D33)","v":0},"b",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,400000,1.4999999999999999E-2,{"$f":"IF($D$8<AM33+0.01,0,IF(AND($D$8<AM34,$D$8>AM33),$D$8-AM33,AM34-AM33))","v":0},{"$f":"AO34*AN34","v":0},null,null,null,null,"FTB Rebate available in special cases",null,null,0,null,null,null,null,null,null,null,null,null,null,"Yarmouth","Municipality of the District of Yarmouth",0.01]
[null,null,"Available for Purchase & Closing Costs",{"$f":"D24+D34","v":0},"c = a+b",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000000,0.02,{"$f":"IF($D$8<AM34,0,$D$8-AM34)","v":0},{"$f":"AO35*AN35","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yarmouth","Municipality of the District of Argyle",0.01]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000000,2.5000000000000001E-2,{"$f":"IF($D$8<AM35,0,$D$8-AM36)","v":0},{"$f":"AO36*AN36","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Queens","Region of Queens Municipality",0.01]
[null,null,"Available for Purchase ",{"$f":"D35-D56","v":0},"c-d",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AP32:AP36)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toronto","more than 2 units",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cumberland","Town of Amherst",1.2500000000000001E-2]
[null,"Potential 'Closing' & Acquisition Costs",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amt to use","min $72.00",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annapolis","Town of Annapolis Royal",1.4999999999999999E-2]
[null,null,{"$f":"IF(E7=\"AB\", \"Land reg. & Mort reg. Fee\",\"Govt. Property/Land Transfer Tax\")","v":"Govt. Property/Land Transfer Tax"},{"$f":"$D$18","v":0},{"$f":"IF(OR(E7=\"BC\",E7=\"PEI\", E7=\"ON\",E7=\"Toronto\"),\" < based on First Time Buyer reductions taken AT completion\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,55000,5.0000000000000001E-3,{"$f":"IF($D$8<AM40,$D$8,AM40)","v":0},{"$f":"IF(AO40*AN40<72.01,0,AO40*AN40)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Antigonish","Town of Antigonish",1.4999999999999999E-2]
[null,null,"Legal Services & Related fees",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,0.01,{"$f":"IF($D$8<AM40+0.01,0,IF(AND($D$8>AM40,$D$8<AM41),$D$8-AM40,AM41-AM40))","v":0},{"$f":"AO41*AN41","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kings","Town of Berwick",0.01]
[null,null,"Lender fees",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,400000,1.4999999999999999E-2,{"$f":"IF($D$8<AM41+0.01,0,IF(AND($D$8>AM41,$D$8<AM42),$D$8-AM41,AM42-AM41))","v":0},{"$f":"AO42*AN42","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annapolis","Town of Bridgetown",1.4999999999999999E-2]
[null,null,"Broker fees",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,400000,0.02,{"$f":"IF($D$8<AM43+0.01,0,IF($D$8>AM43,$D$8-AM43,0))","v":0},{"$f":"AN43*AO43","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lunenburg","Town of Bridgewater",1.4999999999999999E-2]
[null,null,"Property value Appraisal costs",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AP40:AP43)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guysborough","Town of Canso",5.0000000000000001E-3]
[null,null,"Property condition Inspection costs",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max TO FTB Rebate split w/purchasers",null,null,4475,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Shelburne","Town of Clark’s Harbour",0.01]
[null,null,"Title Insurance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"First $400k not subjet to FTB TO tax",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Digby","Town of Digby",1.2500000000000001E-2]
[null,null,"Well Water test",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Greater Toronto",null,"Rebate","Tax Share",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hants","Town of Hantsport",0]
[null,null,"Septic Field test",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"First Time Buyer #'s",null,{"$f":"IF(AP48<AP45,AP48,AP45)","v":0},{"$f":"IF($D$8<400001,0,IF($D$8>400000,AP35+AP36,\"\"))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kings","Town of Kentville",0]
[null,null,"Condo/Strata Fee adjustment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Shelburne","Town of Lockeport",1.4999999999999999E-2]
[null,null,"City Tax adjustment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total ON+Toronto",null,"Rebate","Tax",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lunenburg","Town of Lunenburg",0.01]
[null,null,"Rent Deposit adjustment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AO27+AO48","v":0},{"$f":"IF(D$12>2,AP27+AP44,AP27+AP37)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lunenburg","Town of Mahone Bay",1.4999999999999999E-2]
[null,null,"Provincial Tax on Default Insurance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annapolis","Town of Middleton",1.4999999999999999E-2]
[null,null,"Moving costs",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Guysborough","Town of Mulgrave",5.0000000000000001E-3]
[null,null,"Change of Address",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pictou","Town of New Glasgow",0.01]
[null,null,"Utility connections",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cumberland","Town of Oxford",0]
[null,null,"In addition to your Down Payment,",{"$f":"SUM(D40:D55)","v":0},{"$f":"IF(OR(E7=\"BC\",E7=\"PEI\", E7=\"ON\",E7=\"Toronto\"),\" < based on First Time Buyer reductions taken AT completion\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cumberland","Town of Parrsboro",0.01]
[null,null,"Please budget for these estimated expenses",null,"d",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pictou","Town of Pictou",0.01]
[{"$f":"Qualifying!A46","v":"   © Copyright August, 2013 (revised through Mar 1, 2024)  /  MMI MortgageMentor Inc."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inverness","Town of Port Hawkesbury",1.4999999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Shelburne","Town of Shelburne",1.4999999999999999E-2]
[null,{"$f":"Qualifying!A48","v":"Proprietary Property of Author - R.A.Robertson  /  Use without prior written permission of the Author is prohibited."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cumberland","Town of Springhill",5.0000000000000001E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pictou","Town of Stellarton",0.01]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Colchester","Town of Stewiacke",0.01]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pictou","Town of Trenton",0.01]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Colchester","Town of Truro",0.01]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pictou","Town of Westville",0.01]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hants","Town of Windsor",1.4999999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kings","Town of Wolfville",1.4999999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yarmouth","Town of Yarmouth",0.01]

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["Prompts","Values","Description"]
["Do not alter the position of any cells,  their locations are hard-coded in the VBA\n    ***  do not insert any rows or columns ****"]
["Datastore Workbook name (NEW)","MMDataStore16.xlsm","Current version of workbook  ( these MUST be sequential: 1, 2, 3, ...)\nwith the newest 1 higher than the previous"]
["Datastore Worksheet","BuyNowDATA","Name of data worksheet in \"MMDATAStore\" workbook"]
["FileNumber Worksheet","The Options","Worksheet with File reference number cell "]
["Filenumber Cell","FileNumber","Cell on the source worksheet where the DataStore File reference number is entered/replaced to"]
["Old Datastore Workbook name (OLD)","MMDataStore14.xlsm,MMDataStore145xlsm","Name of the previous DataStore workbook (insert a string of comma seperated previous workbooks that are to be copied forward to the \"NEW\" DataStore shown in the upper orange cell on this sheet) \nthese MUST be sequential: 1, 2, 3, ..."]
["Old Datastore Worksheet","BuyNowDATA","Name of of the sheet within the previous DataStore workbook"]
["Bank Prime",3.95E-2,"NOT used with this workbook"]
["Save Until cell","SaveUntil","Cell on the source worksheet where the DataStore File Funding Date is entered/replaced to"]
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["New Datastore changed","from 15 to 16  05/15/24"]
["New Datastore changed","from 14 to 15  06/15/23"]
["New Datastore changed","from 13 to 14 02/15/22"]
["Old Datastore changed","from 12 to 13 01/17/22"]
[null,"from 11 to 12 01/17/22"]

{"sheet":"Agreement","index":8,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Mortgage Mentor: Disclaimer, Privacy Policy, and License Agreement"]
[]
[null,"Read the terms and conditions of this license agreement carefully.  "]
[null,"By: downloading, otherwise receiving, or using a copy of the program, you are accepting and agreeing to the terms of this license agreement."]
[null,"continued…"]
[null,"1.     The program is copyrighted and licensed (not sold). This is a legal agreement between you (either an individual end-user or an entity) and MMI Mortgage Mentor Inc. (“MMI”) . If you do not agree to the terms and conditions of this agreement, you must promptly stop using the Software, remove it from any computer on which you have installed it, and destroy all aspects of the Software in your possession or control."]
[null,"continued…"]
[null,"2.      At MMI, we are committed to respecting and protecting your privacy and security.  We have taken measures to protect the security of your personal information and protect your data from misuse and unauthorized access or disclosure. While any data transmissions over the internet cannot be guaranteed 100%, MMI would like to reassure our subscribers that our site www.mortgagementor.com is protected by CopyMinder (www.copyminder.com). To further protect your security, we are providing each subscriber with a unique Product Key for their personal use only.  By using this software you agree that your Product Key shall not be shared, distributed or broadcast to any other parties."]
[null,"continued…"]
[null,"3.    Each Product Key and Mortgage Mentor Tool (from herein referred to as “Software”) are protected by CopyMinder.  Periodically throughout the duration of your subscription, your Product Key and computer ID will need to be re-validated by COPY minder's protection system. To facilitate this, your computer will need to be connected to the internet.  No data is copied, installed, or accessed from your computer during this process. You agree to allow CopyMinder access to the Software installed on your computer solely for such re-validation purposes."]
[null,"continued…"]
[null,"4.     The Software that is made available for downloading from our online server is owned by MMI.  This Software is protected by copyright laws, and is  licensed to you on a non-exclusive limited basis to be used by you in accordance with the terms and conditions described herein.  Any use, reproduction or redistribution of the Software that is not in accordance with the terms and conditions in this agreement is expressly prohibited by law, and may result in civil and criminal penalties."]
[null,"continued…"]
[null,"5.     This Software is licensed, not sold, for use under the terms and conditions of this agreement, and MMI reserves all rights not expressly granted in this agreement. Without limiting the generality of the forgoing MMI retains ownership of  the Software, and all intellectual property rights therein.  As such, you acknowledge and agree that MMI holds all rights to title and interest in all tangible and intangible incidents of the product and/or service, including copyrights and trade secrets pertaining thereto, and that this agreement conveys to you only a limited right to access and use of the product and/or service.  Subject to the terms and conditions of this agreement, MMI grants to you a non-exclusive limited license to use one copy of the Software and any documentation accompanying this agreement on one computer only.  No other rights are granted.  You may not use the Software on different computers concurrently using the same Product Key.  Attempts to install this Software on a second computer will cause the original, authorized installation to malfunction."]
[null,"continued…"]
[null,"6.      The Software contains copyrighted concepts, ideas, and other proprietary materials of MMI. You agree not to analyze, reverse engineer, decompile or disassemble the Software, or any part of the Software.  You also agree to not modify or create derivative works of the Software, combine with or incorporate the Software into any other application Software, print a copy of the Software, reproduce, distribute, publish, resell for profit, broadcast, transmit or provide its functionality, or commercially exploit the Software and any information available on this site in any matter without the express consent of MMI. AND IS PROHIBITED WITHOUT THE EXPRESS WRITTEN PERMISSION OF MMI."]
[null,"continued…"]
[null,"7.      The Software is considered in use if it is loaded on the computer’s permanent or temporary memory.  If you are acquiring the Software on behalf of another person or entity, you represent and warrant that you have the authority to bind the party or entity for which you are acquiring the Software to the terms and conditions of this agreement."]
[null,"continued…"]
[null,"8.    IN NO EVENT SHALL MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DAMAGES OF ANY KIND INCLUDING BUT NOT LIMITED TO: GENERAL, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA, BUSINESS INTERRUPTION  OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER, PERFORM, OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION "]
[null,"CONTAINED IN THE SOFTWARE AND REGARDLESS OF THE CAUSE WHETHER ARISING IN CONTRACT (INCLUDING FUNDAMENTAL BREACH), TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF CAUSED BY THE NEGLIGENCE OF MMI ITS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS OR IF MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS KNEW OR OUGHT TO HAVE KNOWN  OF THE POSSIBILITY OF SUCH DAMAGES."]
[null,"continued…"]
[null,"9. YOU HEREBY RELEASE MMI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY CLAIMS INCLUDING, BUT NOT LIMITED TO, ANY CLAIMS RELATED TO DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA,  BUSINESS INTERRUPTION OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER,  PERFORM OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION CONTAINED IN THE SOFTWARE, AND YOU AGREE NOT TO ASSERT ANY CLAIMS AGAINST THEM, ARISING FROM YOUR USE OF THE SOFTWARE."]
[null,"continued…"]
[null,"10.      In the event of errors or omissions in any information, the sole responsibility of MMI is to use its best efforts to correct, by the issue of a corrected release, any errors which it or any of its employees or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. "]
[null,"continued…"]
[null,"11. THE SOFTWARE IS PROVIDED ON AN \"AS IS, WHERE IS\" BASIS AND MMI DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, ENDORSEMENTS OR CONDITIONS WITH RESPECT TO THE SOFTWARE, INCLUDING WITHOUT LIMITATION, WARRANTIES AS TO MERCHANTABILITY, OPERATION, NON-INFRINGEMENT, USEFULNESS, COMPLETENESS, ACCURACY, RELIABILITY AND FITNESS FOR A PARTICULAR PURPOSE."]
[null,"continued…"]
[null,"12.     This agreement is effective for the duration of the license term and any renewals thereto.  Upon violation of any of the terms and conditions of this agreement, rights to the use of the Software shall automatically terminate and the Software must be destroyed.  If MMI makes a request via public announcement or press release to stop using the Software, you will comply immediately with this request.  Removal of the Software or discontinuance of its use prior to the end of the subscription does not entitle you to a refund or absolve you from continuing to make the regular subscription payments."]
[null,"continued…"]
[null,"13.     Links to other web sites from the Software or from the MMI web site allow you to leave the Software and/or the MMI web site.  The linked sites are not under the control of MMI and MMI is not responsible for the contents of any linked site or links within a linked site.  These links are provided as a convenience only and do not imply any endorsement or recommendation by MMI."]
[null,"continued…"]
[null,"14.      A service charge will be applied for any support in re-installation, troubleshooting, or diagnostic assistance resulting from non-compliance with this agreement."]
[null,"continued…"]
[null,"15.     CAUTION, some freeware, shareware, or you-don’t-have-to-pay-for-it-ware may cause a conflict with this Software.  It is recommended by MMI that this Software only be run on a computer system containing industry accepted business software and trustworthy programs. MMI is not responsible for any problems resulting from you downloading or installing recreational or non-business software that interferes with the Software.  You are solely responsible for the safety and maintenance of your computer.  Loss of use of your computer does not justify non-payment of any subscriptions fees due."]
[null,"continued…"]
[null,"16.     By using the Software or by submitting personal information to us, you signify your agreement to MMI’s Disclaimer and Privacy Policy.  [NOTE: Canadian privacy laws do not allow you to force someone to consent to be given information. If you do something like this, you are required to allow a person to opt out at an early opportunity.  We recommend you address this issue in your privacy policy].  MMI reserves the right to change our Disclaimer and Privacy Policy at any time by posting the revised policy on our website.  MMI may notify you of any such changes by posting notice of such modifications on the web site, or via e-mail, postal mail or other means. Notwithstanding the foregoing, it is your responsibility to periodically check our Disclaimer and Privacy Policy to inform yourself of such changes. "]
[null,"continued…"]
[null,"17.     It is the intent of MMI to assist in the advancement of the profession of Mortgage Brokering in Canada through making our calculators, and resource based, product sorting ideas available to professional independent Mortgage Brokers through our specialized software.  It is the desire of MMI that this Software not be made available for use by: Banks, Credit Unions, Trust Companies, lenders in general, Insurance Agents or Brokers, Financial Planners, Mutual Fund sales representatives, Realtors and Real Estate Agents, or anyone whose principal business is not mortgage origination."]
[null,"continued…"]
[null,"18.   MMI may, in its sole discretion, modify portions or all of this agreement at any time. The onus is on you to periodically check for any revision or modifications to this agreement by checking the MMI web site www.mortgagementor.com.  Your continued use of the Software following notice of such modifications shall be deemed to be your acceptance of any such modifications to this agreement.  If you do not agree to such modifications you must immediately stop using the Software, destroy the Software in your possession or control and notify MMI immediately.  "]
[null,"continued…"]
[null,"19.    This agreement may not be assigned by you. MMI may assign this agreement at any time without notice to you. "]
[null,"continued…"]
[null,"20.    Microsoft Office, Windows and/or other Microsoft products referenced or used are either trademarks or registered trademarks of Microsoft.  All other trademarks are property of their respective owners."]
[null,"END"]