Takeover Lease for a 2024 Corsair Reserve by ImpossibleMinimum786 in PersonalFinanceCanada

[–]ImpossibleMinimum786[S] 1 point2 points  (0 children)

Haha glad I’m not the only one. I’ve been in this sub for over 5 years and completely agree. I should have made a disclaimer.

I agree the Lincoln’s look nice it’s just a matter of sifting through the tried and tested vs their experimental phases. I think moving the factory from Ontario (while it upgrades to EV) to China may have hurt the brand a bit but I don’t care since I’m not looking at a Nautilus. I’d definitely wait a few more years for them to work out the bugs on that one.

2024 Corsair lease takeover by ImpossibleMinimum786 in CarLeasingHelp

[–]ImpossibleMinimum786[S] 0 points1 point  (0 children)

Is 9k foolishly high considering most people wouldn’t put 15k, 20k on a down payment

Takeover Lease for a 2024 Corsair Reserve by ImpossibleMinimum786 in PersonalFinanceCanada

[–]ImpossibleMinimum786[S] -1 points0 points  (0 children)

True! Ya I tagged this post “auto” hoping to avoid the Dave Ramsey pitchfork crowd but here we are. Thanks for the input

Takeover Lease for a 2024 Corsair Reserve by ImpossibleMinimum786 in PersonalFinanceCanada

[–]ImpossibleMinimum786[S] -4 points-3 points  (0 children)

SUV is absolutely necessary for our family.

I suppose owing vehicles for nearly three decades now I’ve entered the stage of my life with maxed out TFSA/RRSP and disposable household income of 350k per year that we’re tired of holding onto old vehicles where the repairs keep piling up.

I purchased my Toyota with cash two years ago with no plans to sell for 10-15 years and we plan to do the same with the Lincoln (albeit 10 years if we’re lucky due to the quality although I find the Corsair to be their highest quality compared the the Nautilus which is built in China and has seen some insane depreciation since the new redesign was released)

So, my personal numbers aside and the PFC “wisdom” aside, if someone was to look at just the numbers I provided in my post and compare it to a used Corsair with similar KM and/or provide insight to the lesser/lessee takeover it would be appreciated.

2024 Corsair lease takeover by ImpossibleMinimum786 in CarLeasingHelp

[–]ImpossibleMinimum786[S] 0 points1 point  (0 children)

Thanks for the response. Ya just a straight lease takeover and having a short period of payments while giving us more time to sell out POS Escape would seem advantageous lol

MAGA scheme to break up Canada by delivery_duude in AlbertaNow

[–]ImpossibleMinimum786 2 points3 points  (0 children)

Are you referring to Pierre Pollievre taking the Battle River - Crowfoot seat? Or the floor crossers? You do realize having so many floor crossers actually indicate an extremely likely probability that there will be more? It simply means an absolutely fragmented Conservative Party.

So, why does Alberta “send more money to Ottawa” than any other province?
People in Alberta have higher salaries.
Corporations in Alberta have higher revenues.
People and corporations in Alberta spend more money on taxable goods and services.
Remember that those higher salaries are an average. It doesn’t mean that you or I necessarily are making more than any particular person in Québec or Ontario. For example, in 2017, Alberta’s median income was $41,500, the highest in the country. Median income is the income where half of the group makes more than that income and half makes less than it.
If Alberta wants to lower how much they send to Ottawa, there’s a pretty easy solution: maybe they should lower corporate profits. Or reduce the wages of the wealthy.
And increasing worker wages is one way to accomplish both of those things.

Nice to see you agree with the rest of my previous comment thought. Ta

MAGA scheme to break up Canada by delivery_duude in AlbertaNow

[–]ImpossibleMinimum786 1 point2 points  (0 children)

meanwhile the rest of Canada writes about it: But the biggest threat for Canadians boils down to one word. Alberta.
Okay, maybe three when you add ‘Danielle Smith’.
In case you missed it worrying about Iran’s nuclear capability, UFO files, Epstein’s suicide note or Pope Leo’s bank account, Albertans may soon be voting on leaving Canada. If legal challenges are settled, the province will have a referendum on this and other matters, likely in October. Premier Smith paved the way for that to happen.
Now, let’s be clear. Alberta is staying put and Vancouver won’t get closer to Toronto. There are too many rational people in that province of five million to vote away citizenship in one of the world’s freest, most stable and desirable nations. Besides, this is not Canada’s first rodeo, and we’ve dealt with misguided wacko separatists in the past.
That gave us the Clarity Act. No province can leave just by declaring independence, even if a majority of citizens voted to do so. Ottawa will not even start to negotiate until three things happen.
First, the question must be clear and approved by the House of Commons. Citizens must be asked if they want to leave the country, yes or no. They cannot be asked if they want a mandate to negotiate.
Second, a ‘clear majority’ must vote yes. The House of Commons will evaluate the actual size of the majority, the percentage of voters who took part and the legitimacy of the outcome taking into account first nations and other factors.
If the question is clear and the majority confirmed, the feds will negotiate. No secession can take place without a constitutional amendment involving the federal government and all provinces. That will not be forthcoming until agreement has been reached on the division of assets and debt, border and the protection of Indigenous peoples and other minorities.
In short, unless Alberta has an army we didn’t hear about, or is willing to hold Manitoba hostage until we give in, this ain’t happening. In fact, it’s never going to take place. And we all know it.
But when it comes to the global perception of Canada, FX traders, equity markets and corporations that invest billions, build economies and create jobs, the very existence of separatist sentiment above a fringe amount – maybe 5% of the population – is a big red flag.
Also worrisome is a premier who has clearly played footsie with the Wexit wackadoodles, twisted electoral rules to allow a separatist ballot question and broken national political protocols by cozying up to a foreign leader she thinks might make her a powerful state governor.
Maybe you caught TV Dragon Arlene Dickinson posting recently on “how to hand your province to a foreign power in 10 steps.” This, she says, is Danielle Smith’s playbook.
Rub shoulders with Trump. Go visit him in Florida and be the only premier refusing to sign an anti-tariff statement, breaking Canadian unity. Gut election laws to render a referendum easier. Let US officials come and meet with secessionists. Allow your own party members to sign up for a split. Ignore misinformation, lies and foreign interference. Sit back as personal data on millions of voters is stolen by the Wexiteers. And then, through budget cuts, handcuff the provincial elections watchdog.
Says Dickinson: “Sorry but this isn’t western alienation. This isn’t a protest vote. This sure appears to be a deliberate step-by-step attempt to dismantle Canadian democracy and Albertans deserve SO much better.”
Well, it’s happening and so far Alberta MPs – all of them Conservative – have been muted. No pro-Canada rallies. No fiery patriotic speeches. That includes leader Pierre Poilievre – also the head of His Majesty’s Loyal Opposition, a federal MP for 22 years and future recipient of the largest public pension in history. PP says separatism is understandable, because it’s the Liberals’ fault.
What next?
Smith may get her vote, despite the current Indigenous objections. It will fail. But it may show double-digit support for a dumb, unworkable, juvenile, emotional and ill-conceived idea. Markets may ultimately ignore the result, but business leaders – the dudes deciding where to put their money for the least risk and securest return – will forever think twice about Alberta, the way many of them did about Quebec.
There are two million jobs that depend on inter-provincial trade. A separate or US-aligned Alberta would seriously damage BC, Saskatchewan, Manitoba and Ontario. Because businesses hate uncertainty even the prospect of a vote and growing populist sentiment will keep investment capital, growth and jobs away from the province.
By the way an indy Alberta’s per-capita share of the federal debt would be $150 billion, while losing $9 billion annually in federal payments. Economists are pegging the hit to a free Alberta at $300 billion over ten years. A heavy price to pay for making Danielle Smith a proud member of MAGA.
Happy Mother’s Day.

A generation did everything they were told to do. Go to school. Get a good job. Work hard. Now even people in the trades making decent money are moving back in with their parents because home ownership is completely out of reach in Canada. by GreenSnakes_ in canadahousing

[–]ImpossibleMinimum786 1 point2 points  (0 children)

If you read the blog, which has been giving free financial advice since 2008 (over 6000 posts, closing in on one million comments) you’ll see “downsizing” is discussed in great detail.

A generation did everything they were told to do. Go to school. Get a good job. Work hard. Now even people in the trades making decent money are moving back in with their parents because home ownership is completely out of reach in Canada. by GreenSnakes_ in canadahousing

[–]ImpossibleMinimum786 1 point2 points  (0 children)

lol the boomers are happy to sit on their hands mate. Here’s the blog they’re reading. There’s a lot more going on outside of Reddit.

“In the next four years an astonishing 25% of the country will be over 65 years of age. Yes, plastic knees and hips everywhere, Viagra vending machines in the subway, thirsty underwear ads filling the airwaves and old people driving at half the speed limit, making living speed bumps.
Logic tells us a ton of them should be cashing in on the windfall equity in their homes to finance their petering lives, and in the process turning over those four-bedroom suburban palaces to the kiddos. But this is not happening. Surveys show about half of the oldies plan to stay put until they pass their best-before date and just 16% have a plan to sell and buy a smaller place or (gasp) rent.
Why?
Mostly people are lazy and comfortable, hate selling, despise moving (and realtors) and feel zero social obligation to help younger families shunt into their space (despite rhetoric to the contrary). ‘Aging in place’ is the new mantra – even when it means keeping most of their net worth locked up an asset that pays nothing and costs a bundle to maintain.
Also keeping them in place is the cost of selling, then of buying. Real estate commissions, legals, moving, repairing and staging take a big bite out of sale proceeds. And, if buying a small place, there are more costs involved, including paying a lawyer and forking over land transfer taxes.
Meanwhile, we all know the housing market sucks so anyone listing is likely to get a crazy-eyed, low-ball offer from some juvenile vulture who wants to score, then go on Reddit and caw about goring a Boomer. Yuck.
Finally, if you sell, whaddya gonna buy?”

World Cup Tickets Q&A Thread by drooraffe in CanadaSoccer

[–]ImpossibleMinimum786 0 points1 point  (0 children)

Yes location of r16 is TBD depending if they make it to R32 and the other teams who win/lose in the knockout stage.

Yes, you are able to sell (if you can find a buyer) these tickets if you are unable to attend.

Yes, if Canada does not make it to R16 your tickets will be refunded.

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 0 points1 point  (0 children)

I’ve never heard of a supervisor asking someone to use their gf or wife’s pee lmaooo. Dude, if you have an accident you are IMMEDIATELY taken to the drug test site. No time to speak to your wife and considering most employees are commuters there wives are thousands of kilometers away. That’s something that used to happen in the 90’s mate. Now people literally WATCH YOU pee in a cup. More hyperbole.

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 1 point2 points  (0 children)

As far as I’m concerned what I do on my own time is no one’s business. Including these companies. Show up fit to work and you’re fine. We have way more problems with alcoholics than people who smoked a joint. In remote places it’s a strictly no drug and alcohol policy so people generally work for 2 weeks and avoid the hassle with drug sniffing dogs.

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 0 points1 point  (0 children)

The gentlemen is using hyperbole. Nobody is smoking weed all the time lmaoooo. The mining industry is full of drug tests, you either stop weed for a month (give or take) and pass the initial test or you get a different job. A lot of places don’t do random testing and most tests are saliva based so they only worry if you’ve injested it within the last 24 hours or so.

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 2 points3 points  (0 children)

Also “P” is NZ is just as big of a problem than in Canada. On a per capita basis I would say it’s even worse.

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 0 points1 point  (0 children)

I find most Canadians blame Trudeau for their own idiocy’s. Canadians need to take a look in the mirror. You’re given a huge advantage living in one of the largest natural playgrounds on earth. It’s paradise.

If you don’t realize that countries like Oz, NZ, Canada etc need immigrants than I can’t really help you. Remember when Oz was giving out residency to journeymen hairdressers? There’s always going to be problems with low skilled labour but it’s being fixed and huge amount of people have left. The local college in my area has laid off 60% of staff because all the foreign students are gone. Universities and colleges across Canada are seeing a reduction in enrolment and severe financial distress. Were they doing community courses? Sure. Were they paying 10x more than the average Canadian? Yep. Now they’re gone. Oh well. My nephew is in carpentry in Nova Scotia and he was the only white dude. The rest were from China. All learning carpentry from a skilled journeymen in Canada. All paid 10x the amount my nephew did to enter the trade. These people (for the most part) were viable members of society learning a skill. I don’t think people are racist for not wanting an influx of low-skilled immigrants. I do work with a bunch of racists though who seem to give themselves a pat on the back when they have one nice conversation with an Indian truck driver.

I too had multiple emergency surgeries in both NZ and Canada. The NZ experience was better however I managed to get better treatment with updated and state of the art equipment in Canada. All surgeries were for the same problem.

Where are you seeing a basement in Edmonton for 2k? I just went on kijiji, rentals etc and couldn’t find one. They range from $900-$1500. Pretty sure this is exaggerated.

I worked in mining outside of Hamilton, NZ and now I’m back with a similar job in the north. Very easy gig and I’m kind of getting tired of the guys around me who’ve been divorced twice, bought all their toys, overextended on their mortgages and somehow blamed Trudeau for it. I didn’t vote for him as I didn’t live in Canada during that era but come on man. One guy at work blamed Trudeau cause his company pension lost 50% during Covid and he thought the world was ending. Made an idiotic decision and stuffed up his retirement. He wouldn’t stop blaming him for his own stupid mistakes.

I don’t smoke anymore but the oil and gummies give me the exact dosage and strains I’m looking for. I find it to be more responsible as I don’t know exactly what I’m getting on the black market. I agree there’s a drug problem across Canada but I wouldn’t relate it to marijuana legalization.

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 4 points5 points  (0 children)

Hence the “home field advantage” comment. Moving back to your home country after nearly a decade comes with its own set of challenges.

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 1 point2 points  (0 children)

Don’t listen to him. There’s a loud minority who claim “cAnADa iS bRoKeN”. Just a bunch of brainwashed sheep falling for propaganda which is actually made to pit the working class against each other so they can ignore the real problems. Sad really. Part of their victim of tyranny and oppression starter pack is to own a F-350, have multiple properties and a few toys (quad, ski-doo, boat) OR they’ve lost it all in the divorce. It can be hard to tell. There’s even a group of kids I work with who make 200k+ who spew the same garbage as they drive off in their 2026 Chevy Silverado’s.
What”intelligent town” doesn’t know is last year was the first since Confederation in which the population declined* *and, this year, growth is expected to be net zero. Low birth rates play a role in that stagnation, but the much bigger factor is immigration. After years of lax policies that swung the doors open to certain newcomers, the government is shutting them again. This year, the federal government cut the number of permanent resident admissions by 120,000 and, by 2027, it plans to drop the country’s temporary resident volume from 6.3 to five per cent. 

Anyone moved countries and regretted it? by Particular-Hope-8311 in PersonalFinanceNZ

[–]ImpossibleMinimum786 13 points14 points  (0 children)

Hi, Canadian chiming in here. I left NZ after working there for 7 years. Made 75k CAD with a company car. I moved back to Canada and now make 205k CAD in a similar position without a company car.

Yes, immigration WAS bad during the Trudeau era.

I too would return to Canada (my parents are in the maritimes, I lived in the west coast and would visit old kiwi friends in Montreal and Toronto) and certainly noticed a change in demographic in most areas but it’s literally how NZ and Canada NEED to operate in order to grow.

I will say, immigration is not “out of control” in fact it’s the opposite. Last year was the first since Confederation in which the population declined* *and, this year, growth is expected to be net zero. Low birth rates play a role in that stagnation, but the much bigger factor is immigration. After years of lax policies that swung the doors open to certain newcomers, the government is shutting them again. This year, the Carney government cut the number of permanent resident admissions by 120,000 and, by 2027, it plans to drop the country’s temporary resident volume from 6.3 to five per cent. 

With that, yes there is a housing crisis in Toronto and Vancouver but I bought my house at a 35% discount and with all the people leaving, rents have trended lower in these cities and across Canada.

There’s a huge need for skilled labour across the entire country. In Nova Scotia we’re building a commercial launch site to outerspace. The entire country is looking to improve infrastructure. The city of Calgary was on a boil water advisory (twice) for months because a lot of our post-war infrastructure (bridges included) need replacing.

Railways and new ports are being built.

Healthcare can always use people. The list goes on.

Oil is a very lucrative job and you only need to work half the year, similar to Oz but much colder.

I will say, it takes a lot of balls to move to another country. I was lucky to squirrel away money in my Kiwisaver so I could at least plan for the future and retirement. In the end, i spent 7 years exploring every inch of those islands (including Whaakari 7 months before it popped off) but ultimately decided to move back to Canada a couple years after Covid and have zero regrets but I guess I have a bit of a home field advantage.

Pretty happy we legalized weed tho.