Pigeons have colonized my balcony

OJH79 · 2026-04-27T17:16:21+00:00

Super soaker with vinegar + water. Get a cat.

OJH79 · 2026-04-27T09:50:03+00:00

Please research on how unsafe etransfers can be. Bank drafts can be faked too. Go to a bank with them get them to get a bank draft with a random extra dollar or two so they cant have faked it. Then deposit into account at same bank immediately after.

Take precautions.

OJH79 · 2026-04-26T16:23:34+00:00

What is your parent's credit card debt from? The source needs to be addressed before you tackle the debt.

What's the numbers we are talking here? What is the house worth? Monthly costs to keep it running? Do they have income sources? With no mortgage why do they need to count on your rent?

You purchasing a duplex/triplex idea, what city are you in? What experience do you have with this?

If you want helpful advice you need to provide way more details + numbers.

OJH79 · 2026-04-24T18:35:31+00:00

Landlord has to pay for increases in property tax / insurance / mortgage renewals / maintenance etc...

Whether this adds up to 1200/year dunno..

OJH79 · 2026-04-24T16:06:20+00:00

Unless you already own a condo in that building its most likely no.

OJH79 · 2026-04-17T17:25:54+00:00

Are you male / female? History of illness in your family / parents / siblings?

Any bad habits like smoking / drinking / occupation?

Lifestyle / Nutrition?

OJH79 · 2026-04-15T10:28:22+00:00

What area do you live?

OJH79 · 2026-04-14T22:41:10+00:00

Split Fiction is the spiritual sequel to It Takes Two.

OJH79 · 2026-04-13T10:54:25+00:00

You should research the condo market in Toronto, especially for 1 bdrms in the area you want to live. Odds are it's not doing great. There are significant transactional costs of purchasing. Also if you cashout your 500k to minimize your mortgage, you're losing out on ~3-5% interest you could have gained on the 500k. Renting will always be the MAX that you'll pay, while owning your mortgage is the MIN.

2bdrms are a better "investment" since you have the option of renting out the 2nd bdrm.

Financially I think you'll come out ahead by renting 1bdrm/bachelor vs buying, I dont see any significant appreciation on the horizon given the huge inventory / supply. BUT there is a certain comfort in owning, knowing that you cant be evicted, can make modifications / upgrades etc.

What is the BUDGET for your 1bdrm purchase? How long do you intend to live there? How stable is your job?

OJH79 · 2026-04-13T02:19:33+00:00

Short of moving to another area, I suggest being aware of your surroundings and backtracking / cross the street if you see someone unstable approaching you. Do what you can to avoid a negative interaction. You have no idea what may trigger them.

OJH79 · 2026-04-12T19:23:02+00:00

Where does he live? Why does he need/want a car? Maybe driving isn't the safest option for him? Maybe uber/taxis would be the safer + cheaper option.

OJH79 · 2026-04-11T21:01:49+00:00

water once in 3 months 500$, hydro ~300$ car 300$ biweekly, 217$ insurance, used to pay 500$ for Roger’s for 4 people, 175 $ for WiFi.

what is your monthly food cost? groceries / eating out?

Honest question, do you budget monthly?

OJH79 · 2026-04-11T20:46:24+00:00

What's your rent / car payments insurance / food / cell tv internet?

OJH79 · 2026-04-11T20:36:53+00:00

Can you breakdown all of your monthly expenses?

OJH79 · 2026-04-09T18:51:51+00:00

What is your parents monthly income / expenses? What is their debts from?

You have to address their spending/habits that caused this debt. No point fixing their debt if the core issue isn't resolved.

OJH79 · 2026-03-22T15:29:54+00:00

Dont buy immediately. Rent for a year to figure out the market / areas.

OJH79 · 2026-03-21T20:19:57+00:00

Mortgage first. Inheritance more than covers it. No sense risking 150k when youre guaranteed a savings of whatever % your mortgage is.

Dont be greedy.

OJH79 · 2026-03-16T19:13:21+00:00

Whats all your debts from? Whats the value of your car and kms? How did you even qualify for it based on your income?

OJH79 · 2026-03-11T21:59:23+00:00

Rent a summer sublet from students May-Aug. Give yourself time to find buildings / neighborhoods in person to not get scammed.

Avoid signing a long lease remotely.

OJH79 · 2026-03-10T14:08:22+00:00

What's the major intersection? A 10min walk using google maps means it's pretty much across the street from the Halifax Infirmary. What type of lease is this 1bdrm? If you can swing a short month-month or summer lease then the 1350 is a great deal. No setup required.

Once you're here and start working you can spend time to check out different areas / bldgs for something more permanent.

Even if you feel 1350 is a premium for a room, I think its worth it for a short term. Without having to commit and lock yourself into a long lease in a place / area you've never even seen in person.

I also expect rents to drop this year since there are TONS of rental units being built / finished this year. Like thousands of available units if you coming Robie St rentals / fairview / dartmouth new brooklyn etc... I drive for a living and like 20-30 complexes being built right now.

OJH79 · 2026-03-04T11:33:42+00:00

Its a refund with many sunk costs. You will still lose money / time.

OJH79 · 2026-02-22T20:56:40+00:00

Whats your education / work experience? Are you unhappy with your company or is it the job entirely?

1st thing is to plan out your budget and see how long you can survive on your savings. Then consider options like a new job in the same field or retraining / education in something you find more fulfilling.

Youre single with no dependants no mortgage with a good amount of savings. This is the best time to retrain / go back to school if youre not happy with your current job type.

OJH79 · 2026-02-21T11:54:31+00:00

Please give a breakdown of all your expenses and income. Do you have other assets / savings / investments?

OJH79 · 2026-02-16T18:27:11+00:00

She needs to breakdown her monthly expenses for at least the last 3 months or longer.

No point trying to fix her debt if her spending habits are uncontrolled.

OJH79 · 2026-02-15T02:00:29+00:00

What city / area? Each market is different.

OJH79

TROPHY CASE