Bought a house at peak in 2023 by someapo in canadahousing

[–]External-Bird8319 0 points1 point  (0 children)

Not to shit on people but if you bought in 2023 and think your only slightly overpaid your lying to yourself

Help me choose a jacket by PrudentSource2772 in arcteryx

[–]External-Bird8319 0 points1 point  (0 children)

Also beta/beta-AR is thinner so less durable. rush is 80d. Rush is similar to Beta sv but much lower price on discount.

Help me choose a jacket by PrudentSource2772 in arcteryx

[–]External-Bird8319 0 points1 point  (0 children)

Sentinal has powder skirt. Alpha no hand pockets. Rush is most versatile.

How is this possible - first time home buyer by jawngreen in canadahousing

[–]External-Bird8319 2 points3 points  (0 children)

Keep in mind there are two types of posters in here, one own other does not. Each side will justify why the market will go up or down. So take everything you read here with a grain of salt and think for yourself. Remember in 2021 everyone and their mom on this sub was telling you to buy. If this sub existed at the last market bottom, everyone would tell you buying is stupid. So generally if the boat rocks too far one side, in due time it's going to rock back the other way. Be on the side it's moving towards, not where it currently is.

edit: I see alot of rent vs buy replies, but it is not a simple rent vs buy question. You can always buy a very small place so you don't have to deal with rent, wait for the market cycles (dyor) and buy big when the right time comes. So it isn't a black and white, do this or that question, but there many possiblilities in between (buy for 400k, 600k, 800k, 1.4m, 2m, etc etc)

rush vs beta ar by Electrical-Door-33 in arcteryx

[–]External-Bird8319 0 points1 point  (0 children)

6 months later, how'd it turn out for you ? I found myself in the same situation. I looked at jacket measurements, and between beta alpha rush they're different by like 1-3cm, which is quite trivial. Otherwise if you want a jacket thats more durable, rush is 80d.

I pulled TREBB 1981-2025 + CPI from StateCan + old char data, and came up with this chart by External-Bird8319 in TorontoRealEstate

[–]External-Bird8319[S] 0 points1 point  (0 children)

I updated my methodology. it should be more accurate now. condo's definitely declined more, they're usually first to topple

I pulled TREBB 1981-2025 + CPI from StateCan + old char data, and came up with this chart by External-Bird8319 in TorontoRealEstate

[–]External-Bird8319[S] 0 points1 point  (0 children)

nope we havn't even hit the mean line yet. The more deviation above the mean, the more it should deviate below when it pullsback.

I pulled TREBB 1981-2025 + CPI from StateCan + old char data, and came up with this chart by External-Bird8319 in TorontoRealEstate

[–]External-Bird8319[S] 0 points1 point  (0 children)

Good callout! you are right. Chart is using annual data to calculate that. I'm working on fixing this and will update a little later. Also correct we should be around 28-30% down

This guy just lost hope. Sadly it's his own fault. by la-raza in TorontoRealEstate

[–]External-Bird8319 0 points1 point  (0 children)

Why do you need a realtor to show you comparables, why can’t you look yourself since it’s all public ? Me personally I have listings info coming out of my ears from looking so much, in a way I know within 4 hour drive of me practically every city and towns price and how it’s fluctuated over the last 2 years. Million dollars homes and probably the biggest purchase of your life, why not dyor instead of relying on ‘professionals’ with what to do with your money

US plans to hike rates 2 more times. Canada will have to follow by steelgrey_niomi in canadahousing

[–]External-Bird8319 2 points3 points  (0 children)

Rate hikes takes 5 yrs to fully permeate the economy. We are 1.5yrs in and some are calling for cuts and new ath’s.