|
Do it ironically posted:none that I know of we're all well educated and make good money, we don't need to complain about everyone online because we don't hate our lives. 
|
#
?
Jul 21, 2015 19:39
|
|
|
|
| # ? May 15, 2024 22:31 |
|
|
So because of a family medical emergency I'm back for a few months from the States to live in Vancouver with my parents. They live in Victoria normally and they've been lucky enough to be able to stay in a condo owned by a family friend in Kitsilano. The whole area is full of Lululemon-clad housewives parading around tiny dogs and over the last couple of weeks every single conversation I've overheard the neighbour having on his patio has been about flipping properties. Keep on keeping' on, Vancouver. Edit: Oh, and I keep hearing ads on the radio for classes on how to flip real estate FAST to make a SERIOUS PROFIT!!!! I thought that poo poo was behind us after 2008.
|
|
#
?
Jul 21, 2015 19:54
|
|
|
We mainly rip on Alberta''s plight because of their "gently caress you got mine" attitude during the boom. If they had a more friendly attitude maybe things would be different 
|
|
#
?
Jul 21, 2015 19:58
|
|
|
THC posted:Yet here you are, complaining about people online I see it more as a gawking situation, especially given that poo poo is starting to hit the fan amongst the debt ridden, oil-drilling, pick-up-truck-owning crowd - as we all knew it would eventually. Those people generally end up complaining endlessly online about how their present situation is no fault of their own, while us smarter folks gawk and mock as a way to remind ourselves how terrible it would be to be in their shoes.
|
|
#
?
Jul 21, 2015 20:09
|
|
|
Ya, can confirm the radio ads for house flipping seminars is a thing right now in Vancouver.
|
|
#
?
Jul 21, 2015 20:30
|
|
|
MeinPanzer posted:
Seems like that would be a sign of the bubble starting to burst. If the flippers can't make money so resort to showing others how to do it to get their income then... On the other hand those ads have been playing for more than a year now so who knows.
|
|
#
?
Jul 21, 2015 20:31
|
|
|
My favourite way to tell an economy is in the shitter is all the ads for "no credit no problem call now get approved in minutes". Like a poo poo-canary in a poo poo mine.
|
|
#
?
Jul 21, 2015 20:32
|
|
|
This is ____ from HGTVs flip that house version 4, let me tell you about my guaranteed system to flip houses with other peoples money. Space is limited so book today
|
|
#
?
Jul 21, 2015 20:34
|
|
|
THC posted:My favourite way to tell an economy is in the shitter is all the ads for "no credit no problem call now get approved in minutes". Like a poo poo-canary in a poo poo mine. The shithawks are circling...
|
|
#
?
Jul 21, 2015 21:10
|
|
|
Do it ironically posted:This is still the best comedy thread on this forums, please keep up the Alberta hate comments, me and my co-workers get a big laugh out of it British Columbian spotted.
|
|
#
?
Jul 21, 2015 21:14
|
|
|
So there are people working for the oil industry who made 6k+ a month and had nothing saved? Like not even a grand so you can survive one month without using a credit card for loving grocery shopping?
|
|
#
?
Jul 21, 2015 21:22
|
|
|
OhYeah posted:So there are people working for the oil industry who made 6k+ a month and had nothing saved? Like not even a grand so you can survive one month without using a credit card for loving grocery shopping? What's wrong with using a credit card at the grocery store?
|
|
#
?
Jul 21, 2015 21:27
|
|
|
Just like last summer I was just in Nova Scotia visiting the parents for a week and it is depressing as ever. If you try real hard you can find children so it's not entirely constituted of seniors. Aside from a few university towns and top-end tourist attractions it is just atrophying away...
|
|
#
?
Jul 21, 2015 21:27
|
|
|
Mystic_Shadow posted:What's wrong with using a credit card at the grocery store? Nothing, if you actually have money sitting around to pay it off.
|
|
#
?
Jul 21, 2015 21:49
|
|
|
I'm a couple pages late, but to add to the outdoorsy stuff to do in AB, with a couple hours' worth of driving from Edmonton, you could have your choice of a couple dozen lakes to get out on. They present an opportunity not afforded to those in Victoria: Ice fishing. Since moving to the coast, I miss being able to get out on the water without a boat. It's not sailing around the Gulf Islands / scaling the Chief levels of awesome, but taking a snowmobile out on the lake for a few miles, and jigging up some trout is pretty fun.
|
|
#
?
Jul 21, 2015 22:08
|
|
|
Mystic_Shadow posted:What's wrong with using a credit card at the grocery store? Why would you use a credit card if you could just use a debit card, meaning use only the money that you actually have on your bank account?
|
|
#
?
Jul 21, 2015 22:12
|
|
|
OhYeah posted:Why would you use a credit card if you could just use a debit card, meaning use only the money that you actually have on your bank account? Cashback.
|
|
#
?
Jul 21, 2015 22:13
|
|
|
OhYeah posted:Why would you use a credit card if you could just use a debit card, meaning use only the money that you actually have on your bank account? Because that money is for building F-150 equity. It's like people aren't even reading the thread.
|
|
#
?
Jul 21, 2015 22:13
|
|
|
OhYeah posted:Why would you use a credit card if you could just use a debit card, meaning use only the money that you actually have on your bank account? There's plenty of reward point systems that can make using a credit card worthwhile if you actually pay it off before you get charged interest. I get at least $20 a month in free groceries from using the superstore credit card points thing.
|
|
#
?
Jul 21, 2015 22:15
|
|
|
i use credit cards because cashback and i dont want to pay ridiculous bank fees for doing 15+ debit transactions or whatever
|
|
#
?
Jul 21, 2015 22:16
|
|
|
rrrrrrrrrrrt posted:Cashback. Yeah, my credit card has way better incentives and protections than my debit card (which has none!), and as long as you make sure you don't spend more than you can pay off, there's literally no upside to debit card use compared to credit card use. If you know you have the money to cover the bill, why not use a credit card, I should say? Using credit cards for everything you possibly can is actually pretty smart. I figured out that if I'd been paying my cable bills with my credit card for the past few years, I'd literally have thousands more Aeroplan miles by now. It's credit card debt, not credit card use in and of itself, that should be avoided like the plague. I'm 26 now, and excluding some interest I paid on a $50 cash advance because my lovely BMO debit card wouldn't work in Cuba, I've not paid a single cent in credit card interest in my life. PT6A fucked around with this message at 22:21 on Jul 21, 2015 |
|
#
?
Jul 21, 2015 22:17
|
|
|
I have an Amazon credit card that I use to buy more books. It has never carried a balance beyond three days except when I travel since it has no foreign transaction fees and I cannot be bothered to touch my online banking outside of my own home.
|
|
#
?
Jul 21, 2015 22:26
|
|
|
Using a debut card is dumb. You pay fees and are out money in the event of fraud. With credit cards you get an interest fee loan in addition to incentives like cashback as well as less exposure due to fraud.
|
|
#
?
Jul 21, 2015 22:36
|
|
|
I don't understand even a little bit why people use their debit cards so often, they fuckin suck. Also aside from the rewards and cashback and stuff a credit card is the easiest way to build credit.
|
|
#
?
Jul 21, 2015 22:38
|
|
|
cowofwar posted:Using a debut card is dumb. You pay fees and are out money in the event of fraud. Whats even dumber is using a bank that charges you money to access your own money 
|
|
#
?
Jul 21, 2015 22:40
|
|
|
THC posted:Whats even dumber is using a bank that charges you money to access your own money
|
|
#
?
Jul 21, 2015 22:44
|
|
|
cowofwar posted:Most people don't understand at all how banks work. They accept service fees because they don't understand that banks use their deposits as loans to make money. They actually believe that the bank just puts their money in a vault and holds it for them until needed. Thats exactly how my bank works in between the box frame and mattress
|
|
#
?
Jul 21, 2015 22:47
|
|
|
Do banks actually charge people to use cards? I've only ever used a credit union and they've never charged for debit use or had any sort of monthly fees. I remember when my wife needed to get a temporary BMO account, getting the account required a meeting and a ton of paper work and picking a million options and basically everything either was ridiculously limited or had monthly fees, card usage fees, and all sorts of limitations. It boggled my mind why any normal working class person that just needs a place to deposit their paycheques and get a debit card would ever use a bank vs a credit union.
|
|
#
?
Jul 21, 2015 22:47
|
|
|
Square Peg posted:There's plenty of reward point systems that can make using a credit card worthwhile if you actually pay it off before you get charged interest. I get at least $20 a month in free groceries from using the superstore credit card points thing. OK, I'm not aware of any incentives for credit card use like that in my country. I didn't even realize it could make sound financial sense. RBC posted:i use credit cards because cashback and i dont want to pay ridiculous bank fees for doing 15+ debit transactions or whatever I pay around 2 EUR per month for my bank account and for that I get unlimited online transactions across Europe, I can use all the ATMs and do debit card payments without any extra fees.
|
|
#
?
Jul 21, 2015 22:48
|
|
|
Baronjutter posted:Do banks actually charge people to use cards? I've only ever used a credit union and they've never charged for debit use or had any sort of monthly fees. I remember when my wife needed to get a temporary BMO account, getting the account required a meeting and a ton of paper work and picking a million options and basically everything either was ridiculously limited or had monthly fees, card usage fees, and all sorts of limitations. It boggled my mind why any normal working class person that just needs a place to deposit their paycheques and get a debit card would ever use a bank vs a credit union. My credit union has a monthly fee for chequing accounts, but it's waived if you have over $1000 dollars in it at all times. But it's Servus, which is basically only a credit union in name at this point.
|
|
#
?
Jul 21, 2015 22:55
|
|
|
Baronjutter posted:Do banks actually charge people to use cards? I've only ever used a credit union and they've never charged for debit use or had any sort of monthly fees. I remember when my wife needed to get a temporary BMO account, getting the account required a meeting and a ton of paper work and picking a million options and basically everything either was ridiculously limited or had monthly fees, card usage fees, and all sorts of limitations. It boggled my mind why any normal working class person that just needs a place to deposit their paycheques and get a debit card would ever use a bank vs a credit union. Arent Canadian banks are among the most profitable in the world because they charge fees for everything? I cut my debit card up into a million pieces, set it on fire and pissed on the molten puddle because they wanted to charge me $2.50 for every debit transaction after my first free (  ) 10 per month.I use my credit card, get home, pay it off online because they dont charge you to do that... yet...
|
|
#
?
Jul 21, 2015 22:57
|
|
|
Baronjutter posted:Do banks actually charge people to use cards? I've only ever used a credit union and they've never charged for debit use or had any sort of monthly fees. I remember when my wife needed to get a temporary BMO account, getting the account required a meeting and a ton of paper work and picking a million options and basically everything either was ridiculously limited or had monthly fees, card usage fees, and all sorts of limitations. It boggled my mind why any normal working class person that just needs a place to deposit their paycheques and get a debit card would ever use a bank vs a credit union. Canadians literally do not understand money at all.
|
|
#
?
Jul 21, 2015 22:58
|
|
|
I love RBC as a shareholder but I hate them as a client. I still get free banking with them but I am pretty much fully transitioned to Tangerine so am dropping them in a year when I lose the free chequing.
|
|
#
?
Jul 21, 2015 22:59
|
|
|
I love Tangerine but I'm terrified ScotiaBank is going to gently caress it up.
|
|
#
?
Jul 21, 2015 23:00
|
|
|
Baronjutter posted:Do banks actually charge people to use cards? I've only ever used a credit union and they've never charged for debit use or had any sort of monthly fees. I remember when my wife needed to get a temporary BMO account, getting the account required a meeting and a ton of paper work and picking a million options and basically everything either was ridiculously limited or had monthly fees, card usage fees, and all sorts of limitations. It boggled my mind why any normal working class person that just needs a place to deposit their paycheques and get a debit card would ever use a bank vs a credit union. I've never lived anywhere else and I don't know the rules in other provinces, but don't credit unions work differently outside of BC? That's why Vancity and Coast Capital haven't gone national yet (I assume).
|
|
#
?
Jul 21, 2015 23:05
|
|
|
I love my credit card. I run 4-5 grand through it a month, the points are freaking awesome. After my fiancé finishes her current bout of schooling we need to figure out where to go, they're piling up fast. But yeah, as people have said the key is to pay those fuckers off every month, never not pay it off in full. Edit: phone auto correct sucks. Gorau fucked around with this message at 23:18 on Jul 21, 2015 |
|
#
?
Jul 21, 2015 23:10
|
|
|
Gorau posted:I love my credit card. I run 4-5 grand through it a month, the points are freaking awesome. After my fiancé finishes her current bout of schooling we need to figure out where to go, they're piling up fast. But yeah, as people have Saudi, the key is to pay those fuckers off every month, never not pay it off in full. You spend 4-5 grand a MONTH???
|
|
#
?
Jul 21, 2015 23:13
|
|
|
I normally get $500 or $600 back each year on the cc, so that's ok. 
|
|
#
?
Jul 21, 2015 23:20
|
|
|
Baronjutter posted:You spend 4-5 grand a MONTH??? Sometimes more! It's a personal credit card but a lot of business expenses go through it. Room and board for two or three people plus diesel can get expensive fast.
|
|
#
?
Jul 21, 2015 23:20
|
|
|
|
| # ? May 15, 2024 22:31 |
|
|
Gorau posted:Sometimes more! Yeah our last IT guy would always make company computer and software purchases through his personal card and then expense it back and kept the points.
|
|
#
?
Jul 21, 2015 23:24
|
|