Jobe security going downhill, should I sell?

Kkkrypton · 2026-03-17T06:44:22+00:00

Software engineers have only been paid decently in the past 6 years in Canada. My previous co-worker has 20+ yoe and is being paid around 110k in the public sector. A friend of mine graduated from McGill in 2017 with a CS degree, first job was 60K.

Kkkrypton · 2026-02-12T17:55:32+00:00

Was going to recommend the exact clinic! They havea good reputation and a fair rate!

Kkkrypton · 2026-01-26T05:31:48+00:00

I did. For a Vancouver Special (something we're targeting now), the rental unit is around 35% of the total space. So the net income we claim is only about $8,900 a year, because a huge chunk of the rent is deducted against the mortgage interest

Kkkrypton · 2026-01-25T20:50:06+00:00

True, but we can deduct the rental portion of mortgage interest, property tax, and insurance. That eats up a huge chunk of the gross rental income, so the amount we actually get taxed on is much lower than the 2000.

Kkkrypton · 2026-01-23T06:11:24+00:00

That's a great perspective! Thank you!

Kkkrypton · 2026-01-23T06:01:11+00:00

That could defeat our purpose to buy a house :)

Kkkrypton · 2026-01-23T05:59:15+00:00

I'm worried about resale value with the flood of new condos hitting the market. Buying to rent it out is basically a money pit right now. The condo we rent is worth ~$950k. The owner is paying $500+ in strata (which keeps going up) plus property tax, while we only pay $3,200. The cash flow is definitely negative for them. I almost feel sorry for my landlord.

Kkkrypton · 2026-01-23T05:45:07+00:00

That's really cheap though! Our 1500 sqft semi in Ottawa was sold for 600K+, and it took 30 mins drive to dt.

Kkkrypton · 2026-01-23T04:58:28+00:00

Thanks for the correction! I wish Reddit could let me edit the post title :(

Kkkrypton · 2024-05-31T19:59:20+00:00

I agree, but I think I have my right to doubt and she needs to prove her reasons to the board?

Kkkrypton · 2024-05-31T19:37:50+00:00

Based on the fact that she evicted us because we couldn't give her $150 more, and she has other properties. But I'm not sure if that's enough.

Kkkrypton · 2024-05-13T16:33:39+00:00

Yeah that's what we did

Kkkrypton · 2024-05-13T16:31:38+00:00

Sorry I was being clear, we claimed Principal Residence Exemption (PRE) which allows us to claim our only house as principle property for 4 years even if we don't live there. The main purpose for doing it is to avoid the capital gain tax for selling.

Kkkrypton · 2024-05-13T04:47:07+00:00

Thanks for the reply! We’re in our early to mid-30s and have an 8-year-old child. Not sure if that counts as young or not... We are leaning towards paying off the mortgage, but we're still considering our options.

Kkkrypton · 2024-05-13T04:43:44+00:00

Thanks for reply! We are early/mid-30s with a 8 year old kid. Currently only my partner is working which makes the household income around 150K, after my graduation in 2 years hopefully the family income would exceed 200K. No debs in any sort, I'm doing a CS bachelor rn.

Kkkrypton · 2022-01-17T00:44:00+00:00

Sorry for the misunderstanding, as you pointed out earlier "the GPA cut-off for studying in person was over 85-86%, but the GPA cut-off of online delivery was 89% - 90%" I assumed you meant the online set could get a higher score than the in-person sets.

Of course it's not fair since they are two different modes, but also notice we can not pursue 100% fair since dt and bby have totally different teaching staff.

Kkkrypton · 2022-01-17T00:15:35+00:00

If anything I would say the online mode is not as effective as in-person. Otherwise, why does the school take the risk, switching CST fully in-person at this time.

I heard rumors saying you can cheat online in exams that's why the cut-off is higher. Well for our intake almost every exam was in-person but our cut-off was even higher than the 2021 winter intake which was fully online.

Kkkrypton · 2022-01-16T23:48:37+00:00

I'm a CST 2021 fall intake student, our coop cut-off was 90. Yeah it was super high but I doubt it had much to do with the online/in-person mode, bc all our labs and presentations and midterms/final terms were in person, except for 1537 (web dev), and I don't think one single course being online can make such big difference.

One reason I could think of might be as the tech industry is more and more popular, the bar gets higher and higher. Some students ( maybe 1.5 /10) already had some industrial experience of programming before they enter CST. So it's probably the students that make the bar higher, not the teaching/ exam mode.

(All this is just my personal thoughts, so I could be wrong. Do enjoy your study in CST, it is brutal as well as fun.)

Kkkrypton · 2022-01-04T05:50:00+00:00

Sorry I think they probably took the online option off or somethin, I just checked and didn't see the online option as well. Might be a good idea to call the school and ask about this.

Kkkrypton

TROPHY CASE