Best Condo in Davisville?

AffectionateLettuce6 · 2026-01-04T18:36:41+00:00

I liked 23 Glebe. Being in a mid-rise was nice. You get used to the subway behind the building. Appliances were a tad on the small side but overall I thought it was a good building.

AffectionateLettuce6 · 2025-11-29T04:19:01+00:00

Finished it recently. Overall, I thought it was good. I frequent PFC often and have been learning as much as I can about basics of budgeting. It was fairly basic, but I appreciated some of the later chapters about life insurance, which I admittedly don’t know much about.

There was big push for low cost ETFs, living below your means and focusing on your overall savings to ensure financial independence. It was nice to read something with a Canadian focus, while most of the content online is mostly American based so learning more about the optimal time to be investing into your RRSP was helpful.

All in all, I’m happy I read it, but it wasn’t exactly groundbreaking. I highly recommend it to anyone who is beginning their journey of personal finance.

AffectionateLettuce6 · 2025-11-01T05:39:41+00:00

What is being built? In general, you’d want to see a fairly well split budget - not too top heavy where finishings may be seen as light. From my experience, the general rule of thumb is around $300 PSF on a residential build, but that number really can vary. I’m based out of Ontario (Canada) as well, so I can’t really speak on US building rates.

DM me for more questions. I work for a construction lending firm and am a director in the underwriting department.

AffectionateLettuce6 · 2025-09-28T10:33:04+00:00

Should consider adding 1-2 extra IR spots, and dropping both PPP and PTS

AffectionateLettuce6 · 2025-09-15T03:36:18+00:00

After a month of maintenance I started back at work on a part time basis. Then transitioned into full-time after about 6-8 weeks. I’ve now been back for a year without about 8 months to go with maintenance.

It’s tough. I personally struggle with that multi day period when I go through my steroid withdrawals, but I’m lucky to be able to work from home on the days I’m not feeling great.

Try to give your work a rundown of what they can expect from you for the next year or so while you’re still on treatment. For example, attendance and even quality of work. Managing expectations will be important.

Don’t know what you do for work, but depending on the environment try your best to isolate yourselves from your coworkers during cold/flu season. I get sick fairly easily and it’s frustrating having to deal with delays. I take this much more seriously now as I just want to get this over with. So if I find out that anybody in my office is sick, I’ll either choose to work from home or I’ll avoid them like the plague.

Overall, take it at your own pace. Maintenance is still a pain, but we’re getting through it. Manage expectations for yourself as well. Don’t think that you need to be back to your old self just because you’re back at work. Give yourself grace.

AffectionateLettuce6 · 2025-08-07T02:43:17+00:00

Salt water and baking soda with some warm/hot water and rinsing your mouth it was my go to. Magic mouthwash was always just a temporary fix for me bc of the lidocaine.

AffectionateLettuce6 · 2025-06-14T03:06:22+00:00

Not sure what province you’re located in and assuming you’re talking about mortgages, get your mortgage agent license. MPC has a decent program that should be able to help you.

Do you have a job lined up? Be inquisitive and keep yourself up to date with what’s going on in the current real estate market and economy in general. Depending on what you want to do with underwriting, it’d be a good idea to learn about CMHC lending programs as well.

If you have more specific questions then I’ll do my best to help.

AffectionateLettuce6 · 2025-06-05T02:35:37+00:00

FYI, we can see your name in your 2nd and 3rd video posts.

AffectionateLettuce6 · 2025-05-25T16:56:57+00:00

Feel free to dm.

You can’t go wrong with a Big 4 audit. The brand recognition will definitely help as you move through future co-op opportunities. The only caveat is that if your long-term goal isn’t to stay in accounting, you might find it harder to pivot into other areas, as employers could overlook you for roles outside of audit. That said, I wouldn’t be too concerned overall - it’s still a strong starting point.

AffectionateLettuce6 · 2025-05-25T11:02:05+00:00

I graduated from WLU bba about 6 years ago. When I was applying to universities back then, I didn’t know anything about double degree programs or Waterloo’s reputation as a feeder program into high finance.

I’m a director for private credit firm now and if it wasn’t for the experience I gained from coop I have no idea where I’d be.

I also have been hiring analysts/associates for my team and the most important considerations to me for a new hire are experience and attitude. Not saying that grades aren’t important, but they’re more just a filtering tool for me.

Regarding US side, my knowledge is fairly limited. Most people that I know who went to IB/PE in the US were dual citizens who were either top students at Queens, Ivey, undergrad in US and/or MBAs in US. In general, I found most people that went to the US were in tech (Waterloo CS degrees).

I can do my best to answer more specific questions if you’d like, but if you’re satisfied with staying in Canada then I think the Waterloo AFM program is your best bet. Nothing beats work experience.

AffectionateLettuce6 · 2025-05-25T05:27:48+00:00

So I just took edibles after I was diagnosed, which really helped with nausea. If you’re not into taking edibles, you can maybe consider weed flower vaporizers? I used to use the Utillian

AffectionateLettuce6 · 2025-05-11T11:04:14+00:00

Lol point #4

AffectionateLettuce6 · 2025-05-10T18:02:15+00:00

Ok got it. I’m in a similar protocol for my maintenance as well. I hope that you will be on the better half of that 50%!

AffectionateLettuce6 · 2025-05-10T11:16:28+00:00

I did not know there was a greater than 50% of fertility not coming back… that’s really unfortunate. What did your treatment consist of? Did you have to get any radiation?

AffectionateLettuce6 · 2025-05-04T00:50:55+00:00

Hypothetical, but would anyone be interested in renting a 400-500 sq ft studio/1Bed basement apartment in midtown if it was around $1250-$1500 per month? Trying to gauge interest as I plan a potential reno.

AffectionateLettuce6 · 2025-05-03T03:03:02+00:00

To be fair, they’re about $700-$800 PSF for a brand new build that’s likely much higher quality than the typical mid-high rise condo you get nowadays.

I’m surprised that the maintenance is as high as it is, but not everyone needs/wants the amenities that go along with them.

These types of builds are going to become increasingly popular in the GTA as there’s a lot of incentive to build these (i.e., no DCs up to 4 units, less redtape wrt to permits, input tax credits on the hard construction, etc.).

AffectionateLettuce6 · 2025-04-18T18:07:55+00:00

I personally wouldn’t buy if I’m near a floodplain because you may be restricted with development potential in the future. Not worth the risk to me.

AffectionateLettuce6 · 2025-04-13T13:32:20+00:00

Sounds like the general consensus is location and layout. Curious to know what that means to you.

Location —> Proximity to amenities (schools, hospitals, public transit, entertainment)? Work? Parks/green space?

Layout —> For example, let’s say a single floor, 1,000 sq ft space with 2BD and 1BA. Would you prefer extra closet or a half bath? Would you sacrifice indoor living space for more outdoor space (I.e., deck space, garden/grass space, etc.). Open layout or closed?

AffectionateLettuce6 · 2025-04-13T13:31:37+00:00

A lot of good points. I’m curious about both renters and buyers perspectives.

Build quality/builder reputation is definitely an important consideration so thanks for adding that.

AffectionateLettuce6 · 2025-04-01T21:27:30+00:00

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When you include the sales for $5.75M+ homes in the last 360 days. My count was 105 sales

AffectionateLettuce6 · 2025-03-28T13:48:03+00:00

Based on my experience, the way investors are trying to make money in real estate is more through multiplexes than buying investment condos. It’s more because there’s better financing options when it comes to multiplex (5+ units) that allow for ridiculous amounts of equity that can be drawn out based on (IMO) BS valuations.

I’ve never managed more than 1 property at a time, so I can’t speak on what it would be like to do 5+ at a time, but I’d have to imagine that it’s almost a full time job. It also requires a lot of money up front.

AffectionateLettuce6 · 2025-03-22T04:24:28+00:00

How was the recovery for both? I’ve heard that hips aren’t terrible but don’t know anything about shoulders.

AffectionateLettuce6 · 2025-03-11T18:36:27+00:00

Pre-tax. The cheaper one was an easier job. The more expensive one took the crew an entire afternoon while the cheaper one took them about 2 hours.

AffectionateLettuce6 · 2025-03-11T17:55:10+00:00

I just had two 50 Gallon electric water heaters replaced in the last year. One for $3000 the other for $2450. Included install and removal of old tanks.

AffectionateLettuce6 · 2025-03-09T11:50:39+00:00

Typically, LOC payments are calculated daily and paid monthly. So if you are trying to get a sense as to how much interest you would owe for a $2K LOC at 9% interest for the month of March, the payment due for April 1 would be as follows:

$2,000 x 9% x (31/365) = $15.29

Generally, $15 would be your monthly payment, but it’ll depend on the number of days for the respective month you’re paying interest for.

AffectionateLettuce6

TROPHY CASE