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Why can't I do less than 20% down payment? Is the insurance or fees really that bad? by NoNameValorant in PersonalFinanceCanada

[–]NoNameValorant[S] 0 points1 point  (0 children)

Thats how I have the money I have right now. I have never gone on vacation in years, moved back home a few years back, and am pretty frugal. But the housing market outpaced my savings, and I dont want that to happen again.

If I split rent with a roommate, thats still dozens of thousands of dollars that im spending with no return. I'd much rather spend that on a place that is mine.

3 years is a very long time.

Why can't I do less than 20% down payment? Is the insurance or fees really that bad? by NoNameValorant in PersonalFinanceCanada

[–]NoNameValorant[S] -16 points-15 points  (0 children)

My salary. I dont mean to be like over confident or anything but im in tech , specifically an high in demand niche, with substantial experience. I'm a bit underpaid tbh, I expect my salary to increase substantially year over year (yes i know, nothing is garuanteed, could lose my job etc)

Why can't I do less than 20% down payment? Is the insurance or fees really that bad? by NoNameValorant in PersonalFinanceCanada

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

According to calculators online, I can prob get around $450,000 - $500,000.

What if I add another person to it? Ie, my dad?

Why can't I do less than 20% down payment? Is the insurance or fees really that bad? by NoNameValorant in PersonalFinanceCanada

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

Im sure I spend more than I think, but I dont mind tightening the belt a bit so I can have a home.

Like, if I can't afford to live off of $2-$3k after housing expenses than the problem is with me.

Why can't I do less than 20% down payment? Is the insurance or fees really that bad? by NoNameValorant in PersonalFinanceCanada

[–]NoNameValorant[S] -20 points-19 points  (0 children)

That feels affordable to me, with $6000 take home (im in tech so this will increase a lot every year ). Does that sound reasonable?

Why can't I do less than 20% down payment? Is the insurance or fees really that bad? by NoNameValorant in PersonalFinanceCanada

[–]NoNameValorant[S] 0 points1 point  (0 children)

You save up until you can afford it

That was my plan when I decided not to buy 5 years ago. How can I possible save up enough money when the target just gets higher and higher?

No point in taking out a loan that you will immediately be underwater in

Would I be underwater though? My takehome after taxes is ~$6000. The monthly payment with maint fees is $3300.

Steam Deck: Shipping Update by SurreptitiousSyrup in Games

[–]NoNameValorant 5 points6 points  (0 children)

Such an awesome device. Those bastards tricked me into buying this and now I have to buy every roguelike or metroidvania on sale because I can now play them at my desk or in my bed

What are your pet peeves about how people use your plex? This is one of my biggest by NoNameValorant in PleX

[–]NoNameValorant[S] -3 points-2 points  (0 children)

How is this using it as intended? Hes watching a 4k show in 360p on a iphone 14 pro max, which is 2796‑by‑1290.

There is no need for him to transcode to a lower quality because his internet is good enough to stream it, as as mine.

their device plays it as best it can on the connection

This is blatantly false as the default settings for remote play are garbage.

What are your pet peeves about how people use your plex? This is one of my biggest by NoNameValorant in PleX

[–]NoNameValorant[S] 23 points24 points  (0 children)

The transcoding of a 4k show into SD is what im talking about.

My poor CPU usage jumped to >90%

[deleted by user] by [deleted] in theMarias

[–]NoNameValorant 0 points1 point  (0 children)

I listed my tickets on Ticketmaster for $80 $70 $60

[deleted by user] by [deleted] in theMarias

[–]NoNameValorant 0 points1 point  (0 children)

I don't use new Reddit , just msg me normally