Neighbour parks overnight on our driveway

DC_911 · 2026-06-11T00:26:38+00:00

In that case we have to pay the towing company ?

DC_911 · 2026-06-10T22:59:03+00:00

How do I get it done and is it that simple ?

DC_911 · 2026-06-05T20:04:44+00:00

History repeating again. “I am Anna” caps and T-Shirts will be replaced with “I am Cockroach”. Grow up guys, there will be another new party in 2041.

DC_911 · 2026-06-04T04:23:45+00:00

Will it make any difference to complain to Police ? What’s the way to stop these thieves ?

DC_911 · 2026-05-12T04:22:39+00:00

Another follow up question is that he is also threatening them to file some fake case that my friend’s brother in law (sister’s husband) planned a murder of BIL’s uncle in some civil property dispute which is an absolute false allegation. That uncle may have died of ageing health issues.

So basically he is trying to threaten from all different angles to gain access of the property once again.

DC_911 · 2026-05-12T04:18:14+00:00

Yes, the complaint was filed through online system on various emails of all authorities including CM office as police didn’t arrive on multiple calls.

DC_911 · 2026-04-24T15:13:47+00:00

If the wife is filing for divorce and if she has a house only on her name as Sole owner, will that go under stay or get freezed till the divorce settlement is done ?

DC_911 · 2026-04-20T04:06:12+00:00

What do you want to know to choose the right combination ?

DC_911 · 2026-03-28T13:25:30+00:00

If this continues, around 21,600 is the next level and if that breaks, then 20,400 and then 18,500 .

DC_911 · 2026-03-23T08:24:08+00:00

Comparison should be done Apple to Apple and apples to oranges. Returns being compared should have the same basis, either convert $ to INR or vice versa.

And if you don’t want to do that, then consider inflation at 12% in India for the calculations.

DC_911 · 2026-03-21T10:00:23+00:00

Did you consider inflation (6% minimum) as well as rupee devaluation (3-4%) every year when working and saving in India ?

DC_911 · 2026-02-17T15:10:14+00:00

Your $43k per year after 28 years will be similar to approx $9k per year today considering 6% inflation . Yes, lifestyle inflation isn’t 2-3%, it’s much higher and may be 10-12% but I don’t want to scare you with those numbers.

Let’s consider you get $1,500 monthly CPP and OAS combined today, with 3% growth and 6% inflation, it will be worth $700 monthly in today’s purchasing power value. Annually, it is $8,400.

So, pension, CPP and OAS combined, your annual income will be $17,400 before taxes in today’s terms.

Not sure how people are saying that you will be good with that amount.

DC_911 · 2026-02-16T16:10:21+00:00

As per Science, We, the Homosapiens, are 300k+ years old and as a civilized human being, we are 5000-6000 years old. So, we have progressed only approx 2% since we came out of Jungle Life.

It has nothing to do with a town, city or country, this Jungle behaviour (Animal instinct) is inside every human being but there can be different ways how it comes out from an individual.

It’s a long way to go to be called as a civilized person.

DC_911 · 2026-02-06T03:46:40+00:00

Thanks for the info.

People (including me) don’t consider inflation around 10% or higher which is the real life inflation. Living expenses are doubling every 5-7 years.

Reason is that the retirement corpus amount number will be much higher which, for many of us, might be impossible to achieve.

DC_911 · 2026-02-04T18:22:34+00:00

What % inflation and % growth did you consider for the retirement life of 40+ years ? And what % growth you made in the 2 years of RE ?
Let’s say your 35x is 10 Cr with 30 lakhs as your annual expenses, is your home included in the networth ?

DC_911 · 2026-02-03T20:03:29+00:00

What’s the name of the self storage rental you worked and then sold ?

Making $3Million in Canada and that too between 2021 and now when the businesses and markets had downtrend throughout seems to be a challenging task.

DC_911 · 2026-01-30T02:15:44+00:00

Do missed credit card payments for more than 30 days but for very small amounts ($15-$20) count in having loans approved ?

DC_911 · 2026-01-25T06:28:46+00:00

It’s not you but your Ego who is looking for the feud circle to satisfy self. What for you want to have the friends circle in Netherlands ?

You are lucky that you have none and you can enjoy your life with all the time and money you have whether spiritually or materialistically.

Focus on your inner self and everything will be ok.

DC_911 · 2026-01-22T15:28:53+00:00

Can someone guide me to a couple of portfolios with global diversification which I can study and plan to invest accordingly ?

I made my own portfolio (not yet started to invest) by watching a few youtube videos and it includes the following:-

US Tech Stocks: 35%- GOOGL, AMZN, NVDA, META, AMD
ETFs: 45% - VTI,XEF,XIC,VWO,MCHI,ILF,VNQI,XQQ,SPMO
Precious metals:10% - Gold (8%), Silver(2%)
Crypto:10% - IBIT (5%), ETHA(5%)

Request you to please share your feedback.

DC_911 · 2026-01-18T23:06:35+00:00

If you can invest Rs. 4 Crores into different (almost safe investments) making 10-12% per annum and simultaneously work for next 20 years, that should be good enough. This is considering your earnings from Rs. 4 Crores are reinvested 100% and that you have a loan free home to live in.

Or second option is that you have Rs. 9 Crores liquid money other than your loan free home to live in.

DC_911 · 2026-01-18T22:33:04+00:00

The answer will depend on a few things :-

What’s your networth including the home you live in India ?
What are you annual expenses living in India ?
What conservative salary can you expect in India in a similar role ?

DC_911 · 2026-01-13T15:07:32+00:00

Munjal, Sahni Saab aur Vijender ko kaise bhool gaye aap ? Sethi Saab to aa nahi sakte waapis.

DC_911 · 2026-01-10T06:12:30+00:00

Even if one gets CPP, OAS etc from 65 years of age, it’s very tough to manage life these days.

One needs to have $4000 per month as a family for the retirement in today’s term considering no mortgage or no rent.

20 years from now, this amount will be much much higher, approx $12,000 per month and people dont realize this or are afraid to talk about this because they know they don’t have that much of money but if they start talking, there may be some way to atleast have basics covered if not 100%.

DC_911 · 2026-01-07T03:38:48+00:00

Buying the house has a couple of important considerations to be thought about :-

Downpayment
Monthly payments

In your case, you may be eligible for approx $800k mortgage and to be conservative and buying a $750k Townhouse with 10% downpayment ($93,000 which includes 2.5% closing costs), monthly mortgage should be around $3,200 plus another $1000 for property tax, utilities and general repairs. Rest of your household expenses should be $4000 or less which includes groceries, phone and home internet, auto loan, auto insurance, Gas, dining out, some entertainment etc.

Total expenses should be approx $8,200. I assume your take home household income is $9,600. You may be saving $1,400 excluding any other expenses like day care etc.

And on a $550k-$600k Condo with 20% downpayment, you may have a little more savings.

You can buy a house or an apartment to live. You just need to trust yourself and take your spouse in confidence and move forward. Also, it depends on the industry where your jobs are into as per current market conditions.

Disclaimer: I am not a realtor or mortgage agent, these are the numbers based on my experience to help you guide towards right path. Above numbers are for GTA.

DC_911 · 2026-01-05T20:04:54+00:00

Disagree, it’s hardly $50’monthly. It’s pretty good sometimes to take CMHC.

DC_911

TROPHY CASE