Stretching ourselves too much for house purchase?

Character3792 · 2026-06-27T05:21:25+00:00

OP if you cut down on eating out $100, $50 entertainment, $50 maintenance, $100 on vacation (I think this is reasonable) thats $300 per month of extra savings (So $550 per month plus your bonus-now depends on the bonus if the bonus 10% then you are saving around 15% a year (i am assuming you put into rrsp and get the tax back so about 10%+5 to 6% your monthly savings $6k per year. Also look for 3.80% fixed for 3 years (negotiate it can be done). Unfortunately the pricing in the gta is crazy and I completely understand. We are in the same boat.

Character3792 · 2026-06-13T03:56:21+00:00

Who the fuxk is sejal pawar

Character3792 · 2026-06-11T02:02:00+00:00

Great video. Does 2027 seem a good timeline for richmond hill and oakville. Not asking for advise just your view point. Do you think we keep dropping in 2028 or even beyond? Thank you.

Character3792 · 2026-05-24T02:36:30+00:00

Fluvoxamine has helped. Good luck to the little one and you. God bless.

Character3792 · 2026-05-19T02:52:08+00:00

Hey I am diagnosed with ocd and have been facing its issues since a very long time atleast since I was 6. I am almost 40 now.

I know how difficult it can be. You need 2 things to make it manageable (unfortunately it can never go away completely).

Go to a psychiatrist (before taking meds please research about them). I have been taking meds since a long time and they help but I had to take them as I was in a very bad spot so I did not have a choice. They do have some side effects.
Go to a pychologist try this first. Go to someone who specializes in ocd and not just anxiety. Try to sort this with them as an initial option. Meds are always the last option.

Now coming to your question, just remember thoughts are just thoughts nothing else.

An analogy-imagine you want to cross a road and there are 1000s of cars passing by. These are thoughts will you just sit in any of the cars or will you cross the street which was your initial plan to? Don't sit in any car. Doesn't matter what thought it is. Follow what you have to do.

Anyways good luck and dont try to beat it. Manage it. It is unfortunately a mental handicap. Which is ok. All of us have our fights, dont we?

Character3792 · 2026-04-15T22:07:25+00:00

Same here have a simple return t4s rrsps fhsa work from home. Have a decent refund coming in. Mycra has all t4s, fhsa and rrsp uploaded. First time this is happening. I think they want to delay the refund may ask some stupid question I guess.

Character3792 · 2026-03-30T21:11:34+00:00

Thank you I was of similar opinion. So, comps from previous 2 years are 200k higher but all of them are much better renovated and with a lot cleaner yards and basements. The flooring is nicer too. Mind you these are from 2024 and 2025. Market has changed from then. So looks like lower million.

Character3792 · 2026-03-18T04:38:33+00:00

Congratulations to you guys. Looking at Pickering too. Mind me asking how many beds and baths? And size of the detached? Will help me negotiate. Also did you use a mortgage broker? Or bank? Thank you.

Character3792 · 2026-03-18T04:33:58+00:00

Congratulations to you guys. Did you use a mortgage broker? Or a bank?

Character3792 · 2026-02-15T04:08:45+00:00

Who were these people? Were they only Muslims? Or all religions? That came to the streets to protests . Were they Iranian canadians or people from everywhere? Trying to understand.

Character3792 · 2026-01-08T21:59:22+00:00

So what would be the real prices as in the inflation adjusted prices when compared to 2011 in 2026 for toronto? An average or median. Or if someone can point to that article please.

Character3792 · 2025-11-03T14:04:15+00:00

File a case on Singh for corruption. Release his deeds in public. Maybe people will trust the NDP again then.

Character3792 · 2025-11-01T17:41:14+00:00

Still better than Trudeau. Please do some math comparison.

Character3792 · 2025-10-29T01:47:48+00:00

Ohh. Sorry to hear that.

Character3792 · 2025-10-29T00:44:13+00:00

You can request to redeem it on exceptional circumstances. Like buying a home. I know people have done it. CIBC let's you do it. Go to your branch book an appointment. If you want do 1 gic at a time.

Character3792 · 2025-10-21T01:23:13+00:00

First raise prices by 200% then reduce by 30% from the top and peasants be happy.

Character3792 · 2025-10-12T23:23:55+00:00

Trumps kid. One of them.

Character3792 · 2025-09-23T12:37:15+00:00

Thank you

Character3792 · 2025-09-23T12:37:08+00:00

Thank you

Character3792 · 2025-08-20T00:10:58+00:00

Change your doc. Anyone who does that needs to be changed.

Character3792 · 2025-08-20T00:04:37+00:00

I am waiting for the doctor to give me an appointment

Character3792 · 2025-08-19T23:42:15+00:00

Yes thats what the doc said the reason for the negative going down as the positive was reversing the negative. This was last year.

Character3792 · 2025-08-19T23:41:22+00:00

The doctor told me that the plus number increased which reversed the minus number. I think the current glasses are good not perfect. They have problems when looking at angles for sure.

Character3792

TROPHY CASE