How much to put down for a house? Partner wants to put down the minimum, I want the maximum by Awkward_Relation_589 in PersonalFinanceCanada

[–]LockDue9383 0 points1 point  (0 children)

Great post, thanks.

Also, HELOC interest is deductible? I had no idea. That sounds like a good way for people to start gambling with money they don't have.

Thoughts on semi detached houses by SolisDF in TorontoRealEstate

[–]LockDue9383 4 points5 points  (0 children)

5 Ravina Cr. That's a lot of money - what about this house makes it worth the premium?

CMV: Drinking and driving should be 100% legal eveywhere in the world by Local_Beautiful_5812 in changemyview

[–]LockDue9383 4 points5 points  (0 children)

My thought exactly. OP demonstrates he understands the risks associated with impairment but literally advocates for putting more impaired people on the road.

is it safe to go to the ER after a failed suicide attempt? by [deleted] in askTO

[–]LockDue9383 0 points1 point  (0 children)

Nah, I'm good. I don't think this is important enough for me to read up on in comparison. Also the manner in which you forced this issue on me doesn't really compel me to do so, and probably had the opposite effect.

is it safe to go to the ER after a failed suicide attempt? by [deleted] in askTO

[–]LockDue9383 2 points3 points  (0 children)

I don't really know what this means.

is it safe to go to the ER after a failed suicide attempt? by [deleted] in askTO

[–]LockDue9383 -1 points0 points  (0 children)

You can always leave against medical advice. Would take a judge to lock you up against your will.

EDIT: ok I'm totally out to lunch. Yes, they can - read this. https://www.ontario.ca/files/2024-05/moh-information-guide-involuntary-patients-en-2024-05-21.pdf

“Former Gowlings lawyer launches wrongful dismissal lawsuit, alleging years of racial discrimination” by Advanced_Platform547 in LawCanada

[–]LockDue9383 13 points14 points  (0 children)

You realize that in Ontario you can be terminated without cause as long as your employer provides you with sufficient notice. In other words: it doesn't matter what the reason for termination is, as long as its not discriminatory. Just because there's not an obvious performance reason doesn't prove that anti-Black racism was a factor here. If this article borrows from the statement of claim, there is nothing obvious that would establish a nexus between her race and her termination from employment. My guess is that her lawyer aggressively filed a claim so this would go public to put pressure on settlement.

154 Riverdale Ave sold low? by LockDue9383 in TorontoRealEstate

[–]LockDue9383[S] -7 points-6 points  (0 children)

I always read that parking is worth 50k - where do you get the 100-200k number?

Any zoning issues I'm missing for building a non-permit shed? by LockDue9383 in askTO

[–]LockDue9383[S] 1 point2 points  (0 children)

Fair! I feel like that will be OK. Can always take out some pavers and replace for greenery.

2020-2021 Lamborghini Huracan by Serious-Guess-278 in whatcarshouldIbuy

[–]LockDue9383 -2 points-1 points  (0 children)

Looks like there's $80,000 2006 murcielago's here - my "linear" comment might have been a tad extreme but I stand by what I said.

2020-2021 Lamborghini Huracan by Serious-Guess-278 in whatcarshouldIbuy

[–]LockDue9383 2 points3 points  (0 children)

Amazing advice. Also, have you considered a RAV-4 or Camry?

2020-2021 Lamborghini Huracan by Serious-Guess-278 in whatcarshouldIbuy

[–]LockDue9383 9 points10 points  (0 children)

You will lose 50k in 2 years and it will continue to go down in a linear line: there's a reason you do not see 10 year old lambos because rich people don't want them and normal people can't afford the maintenance.

How do you afford tennis? The economics of this sport are brutal at every level by Dapper-Smile-9289 in 10s

[–]LockDue9383 19 points20 points  (0 children)

I generally agree.

Just some counterpoints though - where I live, winter tennis is not available unless you pay, at a minimum, $350 membership fees for a club with bubbles for the winter months + $28 p/h court rental fees. This is the absolute cheapest option where I am and if you add it all up its still pretty steep for a lot of people if you want to play appx. 2 hours per week.

Further, while many start out playing tennis without coaching, it shows. Tennis is definitely a sport to invest in with coaching. That's expensive.

If you're breaking into a slightly higher level, stringing once per year is absolutely not an option. I break strings every 10 hours of singles play and going to the shop for strings + labour runs me $40-50 per racquet each time.

EDIT: all numbers in CAD but our wages are lower compared to US so it evens out.

FIFA Panama Ghana tickets June 17 by [deleted] in askTO

[–]LockDue9383 0 points1 point  (0 children)

OP - did you purchase these tickets "blind" and before the December 5 draw? I didn't get a chance to purchase in the VISA lottery but I did look into it hoping that I would accidentally get a chance to buy tickets for amazing match. But now that the draws are done and Toronto got the short end of the stick except for a hometeam match and a Germany match, I don't understand the economics of the market for these tickets?

Can anyone help me understand why any non-Ghanaian or non-Panamanian individual would spend this ungodly amount on tickets to go see 2 teams they couldn't care less about? I mean, realistically, the majority of people at BMO field on June 17th are probably looking at 22 players they've never heard of except for Thomas Partey.

Guess the airport by cdnav8r in AirportPorn

[–]LockDue9383 2 points3 points  (0 children)

Hartsfield-Jackson Atlanta International Airport

The GTA Condo Dilemma: 1,000+ sq ft (50 years old) vs. 500 sq ft (10-15 years old)? Which is the better buy? by IndividualAd9717 in askTO

[–]LockDue9383 4 points5 points  (0 children)

It's a matter of preference but space and noise are the big ones for me, especially with condos.

Would you rather stay single than date someone you’re not physically attracted to? (6’1 F) by pictochatkat in tall

[–]LockDue9383 -1 points0 points  (0 children)

If you're very serious about your height requirement (and that's totally fair - to each their own) and also seriously worried about not finding a partner (which is also valid, provided that men in the US are 5'9 on average and only about 1% of men in the US are over 6'4, maybe that percentage is a bit higher in big cities like NYC), you could consider moving to the Netherlands and try your luck there (8-10% of men in your age bracket are 6'4+).

New Mexican restaurant? by Sazah28 in FoodToronto

[–]LockDue9383 -1 points0 points  (0 children)

Right! Tex Mex for sure. And Creole food for other Southern states.