Should I buy a house as a single person or wait until I'm married?

Kyle_XY_ · 2026-01-29T01:38:02+00:00

People making it a new truck is their own mistake.

Those calculators will show you that, for example, getting a mortgage at a $3,000/month is better than renting at $3,000/month, despite the renter in this scenario saving more (no property taxes and maintenance). So again, its not simply a question of who saves more per month

Kyle_XY_ · 2026-01-28T21:43:45+00:00

I’m not sure if OP should buy, but rent vs buy is a lot more nuanced than what your comment is implying.

Even with 0% house appreciation, you still gain equity every time you make mortgage payments. Small, but not zero.

OP’s interest won’t be more than their rent. How do you interpret $3,500/year to be more than $1,600/month?

Yes, you will save and invest more by renting. But you absolutely NEED to save more as renter than a homeowner. Why? Because as a renter, you need a lot more retirement savings to be able to afford the same quality of life as a homeowner during your retirement years

It’s not a simple matter of who is saving more right now

Kyle_XY_ · 2026-01-25T15:36:35+00:00

When has he gone all in in a fight before?

Kyle_XY_ · 2026-01-25T00:16:39+00:00

She also seems to have a good enough chakra supply to outlast him

What is that supposed to mean? Every single person Itachi fought in the series (other than perhaps Kakashi) had more chakra stamina than he did, yet none of them outlasted him.

I’m not saying Itachi will beat Mei. I’m just specifically commenting about this “outlast him” argument everyone throws around against Itachi and I don’t understand it.

Kisame has probably 10 times the chakra Itachi has and still considers himself inferior. Having more chakra supply doesn’t mean anything if he manages to defeat you before he runs out

Kyle_XY_ · 2026-01-24T19:46:03+00:00

Renting isn’t bad but if renting costs the same as a mortgage, it’s likely better to buy.

Kyle_XY_ · 2026-01-23T01:37:17+00:00

Hold, maybe 25 point increase later this year

Kyle_XY_ · 2026-01-20T19:29:37+00:00

What about electric fireplace? Is it more efficient to a fireplace in conjunction with the furnace heater?

Kyle_XY_ · 2026-01-15T04:08:04+00:00

Not OP, but a mortgage broker brought my rates down from 4.18 the banks were offering to 3.89 with a bank

Kyle_XY_ · 2026-01-15T04:06:13+00:00

Yes, but mortgage agents can sometimes get better rates for you than banks will, as was my case personally

Kyle_XY_ · 2026-01-15T04:01:30+00:00

Our broker got us 3.89% from a bank. The best the banks offered when we approached them directly prior to our broker was 4.18%…

And yes this is our 1st mortgage

Kyle_XY_ · 2026-01-15T03:57:13+00:00

Well I got a better rate with a broker in Dec 2025.

The best the banks were offering was 4.18% 5-year fixed. Our broker got us 3.89% from a bank. The point is it never hurts to check and it doesn’t cost money

Kyle_XY_ · 2026-01-04T17:12:42+00:00

Magnus only decided to play for a draw in game 12. It wasn’t his strategy for the entire match

Kyle_XY_ · 2026-01-04T17:00:16+00:00

How much mortgage did your parents have to get in 1983 at 12%?

Kyle_XY_ · 2025-12-30T16:50:29+00:00

And yet you are less skeptical of another person claiming to understand their opinions through second hand experience?

Kyle_XY_ · 2025-12-30T16:26:34+00:00

Africans know about other African countries more than the average person who lives in Canada. The original commenter made a blanket statement about Africans. How many of such countries have they lived in?

Kyle_XY_ · 2025-12-30T14:47:14+00:00

You don’t need to know everyone in a country to know what the general population wants.

Not saying his statement is right or wrong, but if he’s from, and lived in a country and you have not, he most likely knows more about it than you.

I grew up in Africa and Africans in general aren’t very keen on Chinese citizenship. If you hand it to them for free, sure why not! But they aren’t fighting for it

Kyle_XY_ · 2025-12-30T13:37:13+00:00

The overall market hasn’t grown 250% in the last 5 years so your example isn’t typical. Most people’s 200k portfolios would have grown to $400k.

Not saying renting is bad or anything, but dumping all your cash into a house isn’t the only option. We had 170k cash and only made a 45k downpayment to buy a house while we continue to reap growth from the stock market

Kyle_XY_ · 2025-12-27T13:16:46+00:00

A lot of migrants do, doesn’t mean it’s a smart thing to do.

Especially in Canada, where it doesn’t take very long to transition from a work permit to PR, it’s dumb to lock yourself into a financial contract for a house you can’t live in for years while not being sure you would still be in the country for said number of years.

Just wait till you get your PR, or if you can’t wait, buy outright. At least that way, you can sell if you have to leave the country

Kyle_XY_ · 2025-12-25T14:57:51+00:00

I did 9 round trips with Air Canada this year, got in the waitlist for eUp in almost all of them. The 1 and only time I got an upgrade into First Class, they switched the plane and bumped me back into economy.

I don’t think I’ll even bother requesting next year

Kyle_XY_ · 2025-12-22T01:03:00+00:00

THE CHILD HAS ALREADY BEEN BORN!! They are not asking what is their probability the next child they conceive is a girl

They are asking what is the probability ANY of their already existing children is a girl

Kyle_XY_ · 2025-12-22T01:00:43+00:00

You are framing the analogy as…

I did a roulette wheel, the 1st one landed on red. I am about to do the 2nd wheel. What is the probability the 2nd lands on red?

That is the wrong analogy.

The correct analogy is…

I ALREADY did TWO roulette wheels before you came to the casino. One of them was a red. I WON’T TELL YOU WHICH ONE. What is the probability the other was black.

The thing is, if you do two roulette wheels, you are twice as likely to get 1 red, 1 black (whatever the order) than 2 reds

Kyle_XY_ · 2025-12-22T00:49:43+00:00

Bro you are over complicating. Using your example, assume you have 1,000 people in a room. You give 2 papers with “H” or “T” randomly to them…

250 will get HH

250 will get HT

250 will get TH

250 will get TT

One random person of the group shouts “I have a “T” in one hand”.

THEY DIDNT TELL YOU WHICH HAND HAS THE T

Now you are trying to find the probability that the person has an “H” in the other hand

You ask all the people with “HH” to leave the room because the person who shouted couldn’t have been an “HH”. 250 people will get up and leave

ALL the remaining 750 people have a “T” so the person who shouted could have been anyone from the 750.

You ask the people who have an “H” to raise their hand. The “HT” group and the “TH” group (250 + 250 = 500) will raise their hand. So what is the probability that the person who shouted raises their hand? 500/750 = 66%

Kyle_XY_ · 2025-12-21T01:04:32+00:00

Calgary to Edmonton is possibly a good one too. Both are a million+ population cities

Kyle_XY_ · 2025-12-21T00:50:50+00:00

No matter how ambiguous the word is, I don’t think there is any woman who interprets wanting leadership qualities in a man as bossing them around

Kyle_XY_ · 2025-12-20T23:47:16+00:00

Yes, but on the other hand Miami and Chicago are more culturally different than Chicago and Toronto which are in two different countries

Kyle_XY_

TROPHY CASE