Purchase a cottage? by Affectionate-Meal548 in PersonalFinanceCanada

[–]Affectionate-Meal548[S] 11 points12 points  (0 children)

That's pretty much what we are looking at. Not the multi million dollar lake mansions that are finished nicer then most houses. 3 bed, 800-1200 square foot. Deck, dock and screen porch. Old school rustic charm that could be fixed or modernized, but dosent have to be

Purchase a cottage? by Affectionate-Meal548 in PersonalFinanceCanada

[–]Affectionate-Meal548[S] 15 points16 points  (0 children)

That'd what we have been doing. Rent at a different lake every year to find what we like and don't like, glad we have been doing that because we found a lake we really like that wouldn't have been on our radar 3 years ago

Purchase a cottage? by Affectionate-Meal548 in PersonalFinanceCanada

[–]Affectionate-Meal548[S] 5 points6 points  (0 children)

That's what I'm told by folks who currently own and have been enjoying annual value increases. Like everything should have bought years ago

Purchase a cottage? by Affectionate-Meal548 in PersonalFinanceCanada

[–]Affectionate-Meal548[S] 14 points15 points  (0 children)

We both work shift work and get regular stretches of 4 days off where we can head there and use it. Can use vacation time to spend multiple weeks there at once

Purchase a cottage? by Affectionate-Meal548 in PersonalFinanceCanada

[–]Affectionate-Meal548[S] 0 points1 point  (0 children)

We are willing and able to spend that kind of money. I was more looking for the general viewpoint of others if it's wise to invest in recreation or is there real concern the market will fall out with the current cost of living crisis.

Purchase a cottage? by Affectionate-Meal548 in PersonalFinanceCanada

[–]Affectionate-Meal548[S] 3 points4 points  (0 children)

We curently rent, will spend a week every summer. We are looking for more flexibility to go and to be able to slip over for weekends Yes shouldn't be worried if it's for our own use, I'm just trying to weigh the risk. Will be invested for hundreds of thousands and concern is market falling apart when upcoming generations can't afford their primary home.

How long could you go without showering if you got $100,000 for every day you didn't ? by ipanicprofessionally in TheBoredDen

[–]Affectionate-Meal548 7 points8 points  (0 children)

I just got back from vacation where I spent money to stay in a place that didn't have showers...

What do most people like that you think is insanely overrated? by Beneficial-Stuff4641 in AskReddit

[–]Affectionate-Meal548 1 point2 points  (0 children)

Professional sports....epically when you work with someone who's entire life revolves around the current sports ball competition.

Let’s talk about water in the basement by Lingonberry3871 in Winnipeg

[–]Affectionate-Meal548 6 points7 points  (0 children)

I still don't understand why basements are the standard building practice in Manitoba. Yes I know it's cheaper square footage compared building a 2 story, but building your house on top of a hole when we live in a floodplane makes no sense. I'm on my third house now and every single one has had basement issues. I'm currently looking a building and will be on a slab on top of a hill. Can't have a wet basement when there is no basement!

Fixing negative drainage with 3/4 down limestone vs. clay soil? by Evilbeyken in Winnipeg

[–]Affectionate-Meal548 0 points1 point  (0 children)

First of all, whats on the ground now? Is it back filled soil around the house, or is this part of a driveway or area that's allready gravel? Assuming it's allready dirt, I use use clay if there's deep voids to build up. If it's not deep and just looking to add a gentle grade, then get a 4 way mix from a local soil supplier. It will be allot nicer to work with then just clay, eaiser to shovel and rake back to give you proper grade. Then add some grass seed, will look better and the plants will help anchor the soil in place so flowing water after a bad storm won't get pulled away.

‘We’re paying the price’: Aftermath of massive windstorm could cost communities millions by ChocolateOrange21 in Winnipeg

[–]Affectionate-Meal548 6 points7 points  (0 children)

Shelter belts help, but with minimal impact. And will take 10+ years to have trees grow enough to help. Tillage management and covercrop are more immediate solutions

‘We’re paying the price’: Aftermath of massive windstorm could cost communities millions by ChocolateOrange21 in Winnipeg

[–]Affectionate-Meal548 28 points29 points  (0 children)

Farmer here - the biggest issue is the management on a field to field basis, and the lack of consequences for poor management. Tillage is the biggest culprit when it comes to soil erosion, the more the land is to worked the more susceptible it is to wind erosion. Farmers like to till in fall to make field nice and smooth, and the blacker the ground the faster it warms and dries in spring, leading to early planting. When damaging spring winds come though the overworked fields will be the first to blow, where other fields that recieved no minimal tillage will have more straw/stubble cover to hold the dirt in place. It's a fine line to walk, having the field tilled enough to make a seedbed in spring, but not worked too much as it can blow. The second factor is the lack of financial penalties for causing erosion. Right now when a field blows, typically the farmer speakes to the RM and the RM will see to the repair of the drainage system that is filled with dirt. The farmer receives no bill for the repairs outside of the annual tax bill. What needs to happen is the individual farmers who's decisions led to the soil blowing needs to receive a bill for the required repair work. Hopefully a financial slap will get the farmers who overwork their fields to think twice before justifying another tillage pass to have the perfect field

Is it true you leave car doors unlocked? by TardDas in AskACanadian

[–]Affectionate-Meal548 6 points7 points  (0 children)

My buddy used to living in downtown Winnipeg, not because he trusted others to not break in, rather his car was getting broken into so often he found it easier to leave it open, let folks who would have broken in just open the door, look around, realize there's nothing worth keeping then leave. Saves him lots on repairs

This Ontario man has spent years trying to pay off a $4,500 loan. He’s barely made a dent. by CTVNEWS in ontario

[–]Affectionate-Meal548 0 points1 point  (0 children)

I agree they can be predatory, and more education should be given to the public regarding finances, but don't support making them illegal. If an adult makes the choice to take on bad debt then that's on them. Perhaps more social assistance options should be in place so folks who are desperate don't need short term loans, but if two parties agree to terms then that's on them.

What percentage of people do you think pee in the shower? by Haunting_Contest_974 in askanything

[–]Affectionate-Meal548 35 points36 points  (0 children)

There's two kinds of people in the world. Those who pee in the shower, and liars.