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peter banana posted:It prolongs the life of your car and means you don't have to scrape ice off in a blizzard when you're already late for work, you absolute maniac. I'd step over my own mother's dead body for a garage to keep my car in. Five years of on-street parking in Toronto have rusted that poo poo through. Emphasis on all year, I completely rearrange the garage for the winter to fit two cars in there.
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Oct 18, 2016 15:10
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Saltin posted:To be fair, Amazon has been kicking the poo poo out of most brick and mortar retailers following a very similar strategy (actually losses). It's a bona-fide strategy. I doubt this is what is going on in Hootsuite though. They're just retards. And their own ineptitude aside, they've also hosed the timing of a potential IPO or whatever, now that it's very clear that Twitter itself doesn't have a bright future (not without drastic changes).
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Oct 18, 2016 15:38
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 the Vancouver tech industry https://www.reddit.com/r/PersonalFinanceCanada/comments/584dig/stay_away_from_mogoca_they_are_just_a_predatory/
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Oct 18, 2016 17:05
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James Baud fucked around with this message at 11:16 on Aug 25, 2018 |
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Oct 18, 2016 17:17
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My old 1950's building only has 12 garages for about 30ish apartments and we were really lucky to get one. Other than some scrap wood and a small amount of junk, it's strictly car storage. The cars that have to park in the lane get absolutely covered in seagull poo poo and sometimes get broken into by homeless people or scraped by idiot teenage delivery drivers. It's also $75 a month for a garage so I'm not going to waste it on junk storage. The dumpster is where you store junk. Most people seem to use their garage for a vehicle but a couple people have it jammed with storage. I don't know why you're living in a small apartment when you have enough furniture and poo poo to fill a McMansion. Go rent a storage locker or sell/chuck that poo poo.
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Oct 18, 2016 17:23
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https://twitter.com/TorontoSentinel/status/788170566129819648?s=09
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Oct 18, 2016 17:35
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Lexicon posted:
But fintech u guys F I n t e c h Like everything else in Canada, the government isn't going to proactively shut these assholes down because it would be anti small business. Better leave this to send regulation. Btw mister marginal borrower here's your cra audit notice for not reporting your tips.
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Oct 18, 2016 17:40
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Baronjutter posted:$75 a month for a garage Yet a dishwasher is a ridiculous bougie luxury? 
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Oct 18, 2016 18:07
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I've got some real estate legal porn for you thread: http://www.canlii.org/en/on/onca/doc/2016/2016onca747/2016onca747.html?autocompleteStr=2016%20onca%20747&autocompletePos=1 It's the appeal of owners who planned to rent their condos out in Toronto's Trump Tower as hotel rooms. Some info on how bad these folks got scammed: quote:The Estimates contained in the PowerPoint presentation set out different sample units. The units were described in the PowerPoint presentation with the following information: quote:[29] When Mr. Singh asked Ms. Zak if the $550 per night room rate was high, she said no because the hotel was a Trump property and would be a five-star hotel. When he asked about the occupancy rates of between 55% and 75%, she replied that since the Trump Hotel would be new and the “buzz” about it would be great, the hotel would be fully occupied. Spoiler: It has a kind of happy ending!
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Oct 18, 2016 18:10
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I'm upset the plaintiffs fit a satisfactory result. gently caress anyone who buys a hotel room
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Oct 18, 2016 18:17
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Baronjutter posted:My old 1950's building only has 12 garages for about 30ish apartments and we were really lucky to get one. Other than some scrap wood and a small amount of junk, it's strictly car storage. The cars that have to park in the lane get absolutely covered in seagull poo poo and sometimes get broken into by homeless people or scraped by idiot teenage delivery drivers. It's also $75 a month for a garage so I'm not going to waste it on junk storage. The dumpster is where you store junk. Most people seem to use their garage for a vehicle but a couple people have it jammed with storage. I don't know why you're living in a small apartment when you have enough furniture and poo poo to fill a McMansion. Go rent a storage locker or sell/chuck that poo poo. The Winnipeg advantage right here namaste faggots posted:I'm upset the plaintiffs fit a satisfactory result. gently caress anyone who buys a hotel room I wish they both lost somehow as well
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Oct 18, 2016 19:04
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namaste faggots posted:I'm upset the plaintiffs fit a satisfactory result. gently caress anyone who buys a hotel room It is perfectly fine to give money to people who were misled from from the pockets of the people who misled them. The problem is when the people who took the money are now broke to, and people get the idea the public should provide compensation for terrible investment choices. Seriously though, just try to wrap your mind around people lost this much money buying downtown Toronto real estate while the bubble still has not popped.
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Oct 18, 2016 19:13
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Lexicon posted:Yet a dishwasher is a ridiculous bougie luxury? Yeah, those are only found in newer condos and those generally rent for a few hundred more a month. The problem is that even though landlords want to add dishwashers the city won't let them for some dumb building and plumbing code reasons, so the vast majority of our rental stock will forever not have dishwashers unless they're gutted and re-plumbed. Same for washer dryer. Yet I've been to tons of 1800's european apartments with ancient kitchens that they managed to fit a little mini dish washer and a stacking washer/dryer in. I don't know if we're just way more fussy about certain code things, or if our lovely wood frame apartment buildings and plumbing are so much more vulnerable and can't possibly be adapted. I mean how hard is it? You want a washer, that only needs a drain and water supply, nothing more scary than a bathtub. A dryer just need electricity and a vent, so vent out the side of the building, or not, because units that don't need exterior venting are pretty normal in europe. A dishwasher once again only needs a water supply and a drain, nothing worse than a sink. What gives?
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Oct 18, 2016 19:14
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Baronjutter posted:Yeah, those are only found in newer condos and those generally rent for a few hundred more a month. The problem is that even though landlords want to add dishwashers the city won't let them for some dumb building and plumbing code reasons, so the vast majority of our rental stock will forever not have dishwashers unless they're gutted and re-plumbed. Same for washer dryer. They also use less water than sink washing. It is also possible to purchase dishwashers which connect to a sink.
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Oct 18, 2016 19:28
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Maneck posted:They also use less water than sink washing. It is also possible to purchase dishwashers which connect to a sink. They take up valuable counter space, but yeah. My friend had one in his last apartment because he had counter space to spare.
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Oct 18, 2016 19:31
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My kitchen is a sink with about 3' on either side, and on the other wall a little 2' section of counter between the fridge and stove. No room for poo poo 
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Oct 18, 2016 19:34
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Baronjutter posted:My kitchen is a sink with about 3' on either side, and on the other wall a little 2' section of counter between the fridge and stove. No room for poo poo Sounds like someone needs to get on the property ladder. 
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Oct 18, 2016 19:36
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McGavin posted:Sounds like someone needs to get on the property treadmill. My rent's gone up about 20% since I moved in 3 years ago so my paper gains are terrific. Wait, is that how this works?
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Oct 18, 2016 19:37
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Fried Watermelon posted:Well the more things you have the better you are as a person Clearly you've never seen a homeless camp.
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Oct 18, 2016 19:59
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https://twitter.com/tamsinrm/status/788454237776719872?s=09 Hey look you guys Romania's housing market is hot af. Maybe everyone wants to move there It's the best place on earth
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Oct 18, 2016 20:23
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Baronjutter posted:My rent's gone up about 20% since I moved in 3 years ago so my paper gains are terrific. Wait, is that how this works? How did they manage this? Fixed term lease?
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Oct 18, 2016 20:25
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leftist heap posted:How did they manage this? Fixed term lease? Yep, best place on earth.
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Oct 18, 2016 20:25
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Guess all the romanian travelers decided to get on the property ladder. Don't be left behind.
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Oct 18, 2016 20:25
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My 30 year old rental building has a dishwasher  No in-suite laundry though.
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Oct 18, 2016 20:26
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Come to Romania for the RE-Mania!
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Oct 18, 2016 20:33
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quote:http://ipolitics.ca/2016/10/18/michael-chong-calls-for-cmhc-privatization/ 
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Oct 18, 2016 22:17
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How exactly would the CHMC be privatized? Does the government no longer guarantee the loans making the CHMC a private insurer? Or is this a privatize the profits and socialize the losses situation? If the CHMC was privatized without underwriting guarantee by Canada I would expect the availability of insurance to crater to anyone deemed risky and the fees to skyrocket.
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Oct 18, 2016 22:27
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cowofwar posted:If the CHMC was privatized without underwriting guarantee by Canada I would expect the availability of insurance to crater to anyone deemed risky and the fees to skyrocket. Sounds perfect!
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Oct 18, 2016 22:28
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cowofwar posted:How exactly would the CHMC be privatized? Does the government no longer guarantee the loans making the CHMC a private insurer? Or is this a privatize the profits and socialize the losses situation? I'm 87% sure of this: the government isn't required to back CMHC, CMHC holds what they consider adequate capitalization. It's already an insulated crown corp and it's basically an insurance business. To sell it: here's our assets, our liabilities, revenues and expenses, how much would you pay to have this?
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Oct 18, 2016 22:37
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Is the implication that a private cmhc would be reticent to lend to as many broke rear end thousandaires really true though?
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Oct 18, 2016 22:46
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it makes way too much sense to privatize the chmc so of course it will never happen.
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Oct 18, 2016 22:47
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Postess with the Mostest posted:I'm 87% sure of this: the government isn't required to back CMHC, CMHC holds what they consider adequate capitalization. It's already an insulated crown corp and it's basically an insurance business. To sell it: here's our assets, our liabilities, revenues and expenses, how much would you pay to have this? What the heck is an insulated crown corp? There is no way that CMHC hold adequate capitalization, because that would require Liberal and Conservative governments to both ignore billions in a Crown Corporation, which is a farcical position to hold.
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Oct 18, 2016 22:48
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Seems CHMC has $545B in liabilities and around $15B in reserves according to this dude. http://worthwhile.typepad.com/worthwhile_canadian_initi/2014/01/cmhc-reserves-revisited.html Seems like privatization would immediately create a too big too fail beast that would immediately lobby for default protection by the government.
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Oct 18, 2016 23:09
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cowofwar posted:Seems CHMC has $545B in liabilities and around $15B in reserves according to this dude. Just think about the million dollar bonuses that would trickle down though.
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Oct 18, 2016 23:22
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Powershift posted:Just think about the million dollar bonuses that would trickle down though.
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Oct 18, 2016 23:25
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cowofwar posted:It would no doubt be purchased by a consortium of Chinese and Saudi entities so a huge pile of money would be sucked out of the country. And the re-invested through vancouver condos and civilian stomping armoured vehicles. It's the ciiiiirrrrccccllllleeeeee.....
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Oct 18, 2016 23:30
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ocrumsprug posted:What the heck is an insulated crown corp? Same as any other corporation. The government owns the shares the same as you would if you bought Nortel stock. If Nortel went bust and owed millions to its employees, the shareholders would not be responsible to pay it out. Presumably if CMHC went bust, the government would recapitalize it because they think the CMHC is a worthwhile thing to have but I don't think they would be required to? I dunno, maybe there's a special law that says they have to. This guy seems to think the banks would do it, http://business.financialpost.com/news/fp-street/the-price-of-taxpayer-support-for-canadian-banks cowofwar posted:Seems CHMC has $545B in liabilities and around $15B in reserves according to this dude. I don't think I would call the $545b a liability, that's probably the entire amount of every single mortgage they insured, Canada was only around $900b in total mortgage debt at the time. I don't know how insurance companies calculate liability though, it can't be if every single claim cashes in for the full amount at once. Here's their actual numbers. https://www.cmhc-schl.gc.ca/en/corp/nero/nere/2016/2016-05-09-1000.cfm https://www.cmhc-schl.gc.ca/en/corp/about/anrecopl/anre/upload/quarterly-financial-results-business-supplement-2015-q4.pdf
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Oct 18, 2016 23:31
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Powershift posted:And the re-invested through vancouver condos and civilian stomping armoured vehicles.
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Oct 18, 2016 23:48
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It's like paying more is a national passtime 
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Oct 19, 2016 00:19
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TerminalSaint posted:Clearly you've never seen a homeless camp. Then they wouldn't be homeless if they had tents 
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Oct 19, 2016 00:58
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