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A second chance to dip in retirement savings for a home purchase is also pretty bad as the first one is already eroding peoples retirement savings and only benefits the banks. There is an entire generation of people retiring at the moment that already have insufficient income so see them comfortable in their retirement. Letting them spend or of it on a house/condo is a direct endorsement of bad financial management.
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Sep 9, 2015 17:23
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Big K of Justice posted:Depends on what part of California. Southern California, every rental I had that was built past the mid 70's had central air. Even a studio. I had a 1960's place in Playa Del Rey that at least had central heat. The only building I found that had central air (and heated floors) when I was looking for a new place in Vancouver was the Maddox at Drake and Howe. Every other  luxury condo was, like you said, just a baseboard heater under any windows. Unfortunately, the real estate agent wanted me to sign a lease that included full access to my bank account so that the owner could take out the rent ("and other fees") at their discretion, so I politely declined. Re: the screen doors though, I've never needed them in the city. You get an occasional wasp or something but there are just no flying bugs downtown to screen out.  It's not like living in rural Ontario where you have clouds of roaming mosquitos ready to strip your flesh.
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Sep 9, 2015 18:12
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I need to run a quick sanity check here. Is it a good idea to rent a brand new 1 BR + Den apartment for 1400/month around Lakeshore blvd West? It puts me close to work (30 min drive) and it doesn't make sense to be deep into Toronto because I need quick and easy highway access for my job. My income is 60k per year not including bonuses and commissions and my car allowance which I make a tidy 100$ profit off of. Almost everyone I know seems to be renting basements or going into roommate arrangements. I want to be on my own. Am I making a bad decision here because my parents were able to buy a house and pay just 800 per month on the mortgage. Feels like I'm getting shafted somehow.
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Sep 9, 2015 22:51
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Do you have a gf? The most economical arrangement is to have her move in with you.
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Sep 9, 2015 23:04
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Kraftwerk posted:I need to run a quick sanity check here. I know a guy who's trying to rent a run down 1st floor 1 bedroom in Parkdale for 1150, but it has mice and had roaches earlier this summer. He'll get 1150 too. So by comparison I'd say you're doing ok.
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Sep 9, 2015 23:04
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Living alone as an adult is an extremely expensive and sinful waste of an adult life.
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Sep 9, 2015 23:05
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Cultural Imperial posted:Do you have a gf? The most economical arrangement is to have her move in with you. The reason I'm moving out in the first place is because unlike where my family came from women will never forgive a 28 yr old man for living with his parents. So basically it's a chicken and egg scenario. Gotta live on your own to get the gf in the first place. Oddly enough my ex gf lived in Liberty on her own and she had daddy's gas card and daddy's money to supplement her income... I don't have that luxury. Once I'm on my own I get nothing. Kraftwerk fucked around with this message at 23:09 on Sep 9, 2015 |
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Sep 9, 2015 23:06
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Kraftwerk posted:The reason I'm moving out in the first place is because unlike where my family came from women will never forgive a 28 yr old man for living with his parents. Any woman who thinks this isn't really worth the effort to be with, bud.
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Sep 9, 2015 23:10
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Tighclops posted:Any woman who thinks this isn't really worth the effort to be with, bud. That automatically means I shouldn't be dating anyone born and raised in Canada to anglo-saxon parents of modest means. The typical story among the women I've dated has always been that they grew up in Barrie/Bracebridge/Sarnia/Welland/St. Thomas and then were kicked out or moved to Toronto to make something of themselves. Working like 3-4 jobs and living with roommates. So when I come out and say I live with family for cost reasons they laugh in my face because they make a 1/5th of the money I do and have managed to survive out there. Me I'm used to have having my own room, my own things and my own private space. My parents don't bother me and I kinda have that expectation when I move out. So I don't like rooming with people and I sure as hell don't like the thumpin and moanin when the roomie brings his gf over. /rant
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Sep 9, 2015 23:19
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Do your parents not gently caress or something?
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Sep 9, 2015 23:26
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Kraftwerk posted:I shouldn't be dating anyone born and raised in Canada to anglo-saxon parents agreed
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Sep 9, 2015 23:27
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Dump the white chick, get an Asian.
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Sep 9, 2015 23:33
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Well I appreciate the sentiment but it is a matter of personal pride that I start living on my own. While my parents seem to have no issue with me staying with them it is starting to really bother me that I'm approaching the wrong side of 30 and still stuck here. It would've flown back in the old country where sometimes 1-2 generations of people lived in the same house but that poo poo just doesn't fly here. It's quite humiliating, especially when you meet someone and the topic of coming back to one's place pops up. I suppose I can start saving for a down-payment instead so that way at least I own wherever it is I go....
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Sep 9, 2015 23:43
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Kraftwerk posted:I suppose I can start saving for a down-payment instead so that way at least I own wherever it is I go.... more like pride of bonership
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Sep 9, 2015 23:49
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MikeSevigny posted:more like pride of bonership New thread title right here
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Sep 9, 2015 23:53
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Kafka Esq. posted:Dump the white chick, get an Asian. Wow check your Occidental priv son
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Sep 9, 2015 23:53
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Kraftwerk posted:/rant In Calgary, I dated a chick who literally was living in her parents' basement and gave me interminable poo poo for not owning a car, when I co-owned a 2-BR 2-bath condo with my sister.  Also, gotta love when they don't have a car, but basically suck at using transit/always use cabs. Apparently men around here are expected to be goddamn chauffeurs.
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Sep 10, 2015 00:00
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P.d0t posted:In Calgary, I dated a chick who literally was living in her parents' basement and gave me interminable poo poo for not owning a car, when I co-owned a 2-BR 2-bath condo with my sister. Just me and sis sharing a mortgage
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Sep 10, 2015 00:05
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P.d0t posted:In Calgary, I dated a chick who literally was living in her parents' basement and gave me interminable poo poo for not owning a car, when I co-owned a 2-BR 2-bath condo with my sister. Hahaha. I remember in 3rd year university a girl told me she'd date me if I had a car and my own place. After I promptly told her to get hosed (which she took literally and got hitched a couple years later) I eventually did get a car. Now chicks give me poo poo for having a car and not an apartment.
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Sep 10, 2015 00:06
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flashman posted:Just me and sis sharing a mortgage Check your privledge, not everyone is made of huge cash money. Family would be excellent room mates since you don't roll the dice and get a crazy pothead who becomes unemployed and skips out on rent until evicted proper.
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Sep 10, 2015 00:13
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this thread is full of enormous morons
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Sep 10, 2015 00:14
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JawKnee posted:this thread is full of enormous morons Welcome to the world!
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Sep 10, 2015 00:16
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TIA. I paid my cover charge to get in to this bar, I am owed one sex.
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Sep 10, 2015 00:26
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Kraftwerk posted:The typical story among the women I've dated has always been that they grew up in Barrie/Bracebridge/Sarnia/Welland/St. Thomas and then Ok, I think I've found the main part of your problem
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Sep 10, 2015 00:27
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flashman posted:Just me and sis sharing a mortgage Lannisters are good with money.
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Sep 10, 2015 00:36
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Yeah, women from those areas need you to own a place and car at age 16. They need to get this stuff done fast since they're all going to die of lung cancer at age 40.
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Sep 10, 2015 00:40
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Just because it's common and unavoidable does not excuse it's a failure you live with your parents after 23, sorry.
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Sep 10, 2015 00:51
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Professor Shark posted:Lannisters are good with money. Actually the gold mines in casterly rock are tapped out, it's only the availability of cheap credit in westeros that's propped up all those bullshit kings and their wars. Once rates go up easily half of those nobles won't be able to even afford the payments on their homesteads. Let's see how much good they can squelch rebel scum after that correction   PS gently caress the iron isles, weather is lovely and they have no sense of humor and the DTES there is all hookers and addicts anyways.
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Sep 10, 2015 00:57
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There are some okay things about Cape Breton, tho
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Sep 10, 2015 01:05
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like what I can't think of a single thing
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Sep 10, 2015 01:10
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Easy access to Percocets and fentanyl
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Sep 10, 2015 01:33
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Fuzzy Mammal posted:Just because it's common and unavoidable does not excuse it's a failure you live with your parents after 23, sorry. Unless you are italian
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Sep 10, 2015 01:36
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Cultural Imperial posted:like what I can't think of a single thing - Many alcoholics to keep you company while drinking yourself to death
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Sep 10, 2015 01:36
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flashman posted:Just me and sis sharing a mortgage I've heard that it's more common for siblings to go in together on a house/condo/whatever or close friends or whoever just because trying to afford a house on your own is impossible. Also don't date anyone from Barrie.
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Sep 10, 2015 01:42
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Dreylad posted:I've heard that it's more common for siblings to go in together on a house/condo/whatever or close friends or whoever just because trying to afford a house on your own is impossible. The post-script to this story, is that now my sister and her BF (who has like 2.7 jobs and makes more money than I do, at each of them) are now living in the same place, because they still can't afford a house.
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Sep 10, 2015 01:57
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What the gently caress is Barrie? It's like this place is worse than Kitchener
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Sep 10, 2015 02:56
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Cultural Imperial posted:What the gently caress is Barrie? I had a Barrie girl explain her tattoos to me once. She went on and on about the various random poo poo on her body. Most of her reasons seemed pretty poorly thought out. What finally did me in was when she pointed to the pizza slice tattooed to her left middle knuckle and said "That's a pizza slice because I like pizza". My eyes kinda glazed over and I walked away. Speaking of which I've noticed just about every girl's favorite activities seem to consist of food and netflix. I can give them a pass for netflix but food isn't really a hobby, it's kinda something you have to do to exist, no? Yet I allow these people to influence me into shoveling 1400 into someone else's subprime mortgage just to have a shot at the dating pool. Must be great being a chick in Toronto. Take a few lovely selfies in the mirror wearing your one LBD and pair of heels you wore to a wedding once, say you like pizza and netflix and BAM your tinder is ringing off the hook. Get piss drunk off jackson-triggs, stumble barefoot and drunk through the streets and eat late night pizza at the big slice. gently caress yeah. Kraftwerk fucked around with this message at 03:04 on Sep 10, 2015 |
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Sep 10, 2015 03:00
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TBF you've accurately described dating in most Canadian cities. It's a sad fact of life that if you're over 25 the good ones are either already taken or long since fled this barren wasteland for a decent country.
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Sep 10, 2015 03:17
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Come on isn't this the tindrr here? Your all loving in filthy club bathrooms with your appppzzzz
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Sep 10, 2015 03:19
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P.d0t posted:The post-script to this story, is that now my sister and her BF (who has like 2.7 jobs and makes more money than I do, at each of them) are now living in the same place, because they still can't afford a house. Why haven't they sold it and rented while waiting for price correction?
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Sep 10, 2015 03:32
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