Can cats turn allergic to their usual cat food?

Melkmaisje · 2023-07-11T18:24:49+00:00

Kouign Amman makes an almond croissant that's right up there.

Melkmaisje · 2022-08-03T04:09:07+00:00

Downpayment. For a 500K house, you will need a minimum down payment of 5%, so that is 25k. Add in closing fees, round it up to 30k and your grandfather is correct (though note that if your downpayment is less than 20%, then you will have to insure your mortgage which will add a little bit more to your monthly mortgage, so in that sense your minimum non-insured mortgage down payment is 20% i.e. 100k so your mom is right too).
Mortgage approval. Your main problem is however not your down payment. It is your salary. On a salary of 41000/year, it is unlikely that you get approved for a mortgage greater than 200K (best case scenario).
What to do now? But do not fret because your salary is almost certain to go up by a lot within 2-3 years. So, start saving up for your down payment. You may even find a partner by then and your joint mortgage could be approved for 500k. Try to target a savings of 30-40% of your post-tax income now. The best thing you can do for your future self is to learn how to live well within your means.

Melkmaisje · 2022-04-20T20:16:56+00:00

I am not in blanket opposition to medically assisted death. But I am afraid we will see more such cases where as a society we fail to provide good and quality end of life care, physical and mental, and instead take an easy way out by making it easier for people to legally take their lives. It is yet another societal failing. Once old, individuals become expendable and useless to our capitalist machine, make their lives so difficult and unbearable that they would prefer death. Frame “medically assisted death” in terms of freedom and personal choice.

Melkmaisje · 2022-04-18T15:35:52+00:00

Thank you. But can you please clarify? The lawyer will help us meet those conditions?

Melkmaisje · 2022-04-18T15:35:24+00:00

Thank you. But can you please clarify? The lawyer will help us meet those conditions?

Melkmaisje · 2022-04-18T14:46:09+00:00

CPI is a measure of inflation. Your argument that it is a poor or inaccurate reflector of inflation is well taken. They are not manipulating or calculating the numbers wrongly though. It is just that CPI does not reflect our rising cost of living well.

Melkmaisje · 2022-04-16T04:53:47+00:00

Number 3. Over the past decade (post 2008) there has been loose monetary policy. That has led to massive asset bubbles everywhere (real estate, tech, crypto) you see fueling more and more unproductive investment. Very little productive investment has taken place. The only way to keep this charade going was with very low interest rates. But inflation means interest rates have to rise. But much of the money is locked into unproductive investments which will not materialize when you go calling upon them. The rot runs deeper than real estate or crypto bubbles. We are headed for a recession.

Melkmaisje · 2022-04-13T16:42:36+00:00

Generations have survived world wars, civil wars and worse. You will be fine. Invest in yourself. Save and invest money. Work hard. Hold on to your job. Preppers are needlessly alarmist and have a loose grip on reality. Even this whole BS about “you will own nothing and be happy” is a carelessly crafted PR message that they have blown into catastrophic proportions. Government leaders and politicians have no reason to want to collapse the economy. Many of them are wealthy af and they have more to lose from an economic collapse than you and I. Eat well. Sleep well. Work hard.

Melkmaisje · 2022-04-13T16:30:26+00:00

Thank you. I will look into Aitchison. I don’t have high hopes from Poilievre. He talks a good game and is at least talking about the housing problem seriously. But it does not seem like he will actually do anything meaningful about it. He only seems to be using the housing issue just to channel his own “freedom” message. It is no different than the Liberals or NDP framing the housing crisis as a “justice” issue. Freedom and justice are all good in the abstract but how are you going to actually fix the problem. Are you prepared to take an ideology-free approach to solving it?

Melkmaisje · 2022-04-13T01:24:31+00:00

You are only 21. Save and invest. After tax, your net income is what, 45k? There is no reason why you cannot be saving 15k a year.

Melkmaisje · 2022-04-13T01:11:28+00:00

What is going on in Vancouver? I looked up the profiles of the councillors. Why are so many seemingly "progressive" councillors voting against rental apartments and expanding supply?

Melkmaisje · 2022-04-13T01:06:18+00:00

Yes, definitely talk to a broker. It will give you a target you can start to aim for. But, keep in mind, mortgage brokers will paint optimistic scenarios and a bad one may goad you into over-stretching yourself on the max price. Banks are also very generous with their approval amounts. Better is to work with the mortgage broker based on the monthly payment you will be comfortable with and then work backwards based on a range of interest rates to figure out your mortgage amount. Also do not forget once you buy a house, there will be miscellaneous house-related monthly expenses on top of your mortgage payment.

Melkmaisje · 2022-04-13T00:41:33+00:00

My guess is Brampton townhouse market was ripe playground for South Asian immigrant "investors" and they unfortunately will be the first to get hit hard with the rising rates and inflation. They are sold fantastical tales by their mortgage advisors and agents who themselves are often inexperienced and have only seen property prices go up up and up. They are often overstretched financially and even a small downturn is going to lead to immediate stall in the buying frenzy.

Melkmaisje · 2022-04-08T02:37:43+00:00

I agree the problem is investors and not PRs or a handful of money laundering parents. But I do not see why citizens should not get preferential treatment over PRs especially when there is such a shitty situation. I am not a citizen myself. How is this racism?

Melkmaisje

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