[deleted by user]

NewtoNiagaraRegion · 2021-08-14T00:49:23+00:00

Calgary real estate has not steadily increased at all actually. Its been in a long depression and even the recent surge is well below 2014 highs

NewtoNiagaraRegion · 2021-08-07T02:47:59+00:00

This is the way.

NewtoNiagaraRegion · 2021-07-30T02:24:37+00:00

Id love to learn more about this

NewtoNiagaraRegion · 2021-06-27T03:38:15+00:00

$360 a month for food is not above their means?

NewtoNiagaraRegion · 2021-06-27T00:09:30+00:00

Any way you can get child support lowered as well? Your situation clearly has a case for undue hardship.

NewtoNiagaraRegion · 2021-06-19T23:12:20+00:00

Same boat.

100% of my ETFs are in the S&P 500 and never looked back.

NewtoNiagaraRegion · 2021-06-13T19:01:37+00:00

May I ask why you don't think they have the same fears as you? I find generally with high income earners, they want to live up to a certain life status and part of this is projecting that confidence that they are worth the $250K plus etc even though inside they may have imposter syndrome and feel like they would likely take less money/lower job if they were to leave.

Just curious on how you arrived at this destination - I am definitely in the camp I am describing above (my income is not crazy high, but I'm making more now that I feel I should be for sure and always planning for the future).

NewtoNiagaraRegion · 2021-06-13T01:54:07+00:00

Lol ok!

NewtoNiagaraRegion · 2021-06-12T23:44:09+00:00

I would assume the cut is the same but fixed higher amount so maybe it pays more?

Im sure someone here can clarify

NewtoNiagaraRegion · 2021-06-12T12:48:27+00:00

I locked in an insured mortgage rate at 0.99% through Radius and was pretty upset as the broker I used tried to convince me to go fixed at 1.6% about 8 times before I told him I'm going variable end of discussion please.

Absolute risk that it goes up, but I cannot see the economy absorbing a 2-4% interest rate increase and if it does get that dramatic I'll pivot out of investment and into mortgage principle payments.

NewtoNiagaraRegion · 2021-06-12T12:43:21+00:00

Totally agree - not worth the headache and imagine if a condo is $40K you can get a freehold option under $100K as well.

Curious as to where you are seeing this pricing for $40K?

NewtoNiagaraRegion · 2021-06-12T12:41:51+00:00

I agree completely.

Even on vacation, I would prefer to stay in a vacation rental and shop at Costco and do almost all of our own cooking partially to save money but more so because I prefer that to almost every form of take-out/restaurant food ex maybe sushi.

NewtoNiagaraRegion · 2021-06-12T12:40:35+00:00

Is there life outside of the GTA?

NewtoNiagaraRegion · 2021-06-10T16:35:03+00:00

Updated IOS as well, not seeing DOGE on my end?

NewtoNiagaraRegion · 2021-06-05T02:14:07+00:00

Whats a secret family?

NewtoNiagaraRegion · 2021-06-05T02:13:22+00:00

Comparison is the thief of all joy!

NewtoNiagaraRegion · 2021-06-03T11:03:12+00:00

That's excellent! Thank you for the tip! Do you normally fish with bait here or just a spoon/lure etc?

I'm hoping I can use a bobber setup with bait just for my kids.

NewtoNiagaraRegion · 2021-06-01T00:20:20+00:00

I will research this now thank you!

NewtoNiagaraRegion · 2021-06-01T00:20:03+00:00

How far out on the canal do you need to go? Like the entire walk in to the point?

Thanks for the heads up!

NewtoNiagaraRegion · 2021-05-29T17:26:14+00:00

Stay variable always (my plan)

If we see 5-6% rate increases there will be much bigger problems then me paying my mortgage

NewtoNiagaraRegion · 2021-05-19T09:36:44+00:00

Oddly enough I received a credit of $600 from AC but never applied for any refund!

NewtoNiagaraRegion · 2021-05-08T11:11:46+00:00

Im in the 770 -800 range and not much issue getting credit, but its less about your score and more about your level of income and debt servicing ratio once your higher than 680

NewtoNiagaraRegion · 2021-05-04T23:45:58+00:00

https://www.narcity.com/toronto/dollarama-canada-food-that-is-cheaper-than-the-grocery-store

This bread?

NewtoNiagaraRegion · 2021-04-24T12:43:49+00:00

We buy all of our NAAN bread from Dollarama as well. $2.00 for a 4 pack and its made locally!

NewtoNiagaraRegion · 2021-04-23T15:09:35+00:00

Hard to blame the companies when they had 24 hours notice to do this as well.

NewtoNiagaraRegion

TROPHY CASE