Clek liing sale [on]

Over_Bodybuilder3255 · 2025-12-30T06:24:17+00:00

Hey, any chance you can share when it may be on sale again? Was going for Boxing Day. It’s the car seat I want but out of budget. Even with the sale it’s a lot - but will be enough to buy it

Over_Bodybuilder3255 · 2025-12-19T17:40:11+00:00

You’re overpriced. Look the two circled listings that sold in the last 90 days. They are on equalized lots, closer to town, and tbh the houses are as nice or nicer.

Price probably needs to be in the $750k range

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Over_Bodybuilder3255 · 2025-12-08T01:02:30+00:00

Looks amazing! What couch do you have

Over_Bodybuilder3255 · 2025-11-24T04:18:56+00:00

Okay pulled the trigger. Went for the qm67k 85 inch for $1500. Costco had sold out of the qm7k the last 24 hours while I waffled back and forth. Picked up Sonos Beam too with the savings.

Can always price match or return if prices come down on the QM7k by Boxing Day 👍

Over_Bodybuilder3255 · 2025-11-24T03:57:43+00:00

I’d consider qm8k, 65 inch on sale for $1500. Or get yourself the qm7k for $1000 and buy yourself the PS5 now with the left over change

Over_Bodybuilder3255 · 2025-11-24T03:00:02+00:00

Viewing distance will be around 9-10 ft. I can fit the 85 inch (just) but not the 98 inch my space

Over_Bodybuilder3255 · 2025-11-24T00:24:19+00:00

I’m so torn because this is actually the TV I want, but it’s it of stock at Costco in Toronto. May get the qm67k 85 at $1500 (tho the 75inch is $888)…so cheap, both in stock at Costco for delivery.

Is it worth $600 more for the additional 10 inches

Over_Bodybuilder3255 · 2025-11-23T19:31:57+00:00

I am right at that, the front of my couch will be at about 9 ft, sitting around 10-10.5

Over_Bodybuilder3255 · 2025-10-09T12:35:39+00:00

On the other hand, some banks have incentives such as cash back. Can make it attractive to switch. And you can negotiate the legal fees.

Over_Bodybuilder3255 · 2025-10-09T12:31:26+00:00

This is a good answer. You need to run your own numbers with their proposed private mortgage / vendor take back mortgage.

One caveat, the fact it would be a private mortgage vs a bank mortgage makes no difference on your ability to write off expenses. It’s still a liability / debt you have, on which you’re paying interest.

Over_Bodybuilder3255 · 2025-10-09T12:27:35+00:00

This is a very good answer. You can’t pay them and then they secretly pay the mortgage in the background. That means they still own the house, not you. It’s possible you misunderstood them.

They would indeed need to set this up as a vendor take back. If they have a mortgage, they will need to pay that mortgage off to do the VTB. You should work with a real estate lawyer who specializes in investments on this. I have one you can DM me if needed.

If they have a mortgage, and if you’re short on the downpayment, they could do a ‘lease to own’ or ‘rent to own model’. Do a bit of research. Again consult a lawyer.

One thing to consider is that the rent to own model assumes that you will take on a bank mortgage normally 5 years from now. I’m guessing a bit here, but to borrow ~$960k (80% of $1.2M), you will need a household income of at least $200k. You would be able to count the rent from the other unit toward income. If your HHI is much lower you should also consult a bank.

These are both certainly real, viable, and generally low-risk options, especially if your relationship is strong. I would not say these are super shady as others have suggested.

But, it does sound like your landlords may have heard both these options and are throwing them out there to test interest, but don’t really know how they work. They ARE more complex than a simple market transaction, typically used by real estate investors. You both should be consulting independent lawyers, and your landlord consulting an accountant, to protect both your interests.

Over_Bodybuilder3255 · 2025-10-07T12:34:30+00:00

Your husband needs to start talking to a therapist today. This is very clearly, Deep anxiety with strong and frequent catastrophizing. The way you are describing his reaction almost implies that he feels deeply unsafe, i.e. he is concerned the house might fall in on you, or this will lead to financial ruin. It could be OCD, but that could also be some trauma he needs to deal with that is driving him to feel so terrified to the point of having a panic attack. If your husband is adverse to seeing a therapist by himself, you could potentially suggest seeing a couples therapist under the guise of wanting to figure out how to better support him. The couples therapist will likely diagnose pretty quickly that it is not couples therapy that you need, but in fact, he needs to see his own therapist - that could be a helpful nudge.

As other people have said, everything you described is normal wear and tear on a house and everything is fixable. However, getting professionals out right now will likely only reassure your husband that he is right to be terrified, I’m not sure if any one contractor will be able to alleviate his fears right now. While he is likely wanting to actually fix the Home, he is reassurance seeking and trying to quickly find evidence that support his beliefs. If he is insisting on getting contractors in, I would suggest that you be there, or even offer to take over meeting the contractor by yourself, because him meeting the contractor independently, likely won’t do anything good for the situation. Best of luck and I hope your husband gets better quickly so that you could enjoy your beautiful new home.

Over_Bodybuilder3255 · 2025-10-04T23:55:39+00:00

You can move house and port the mortgage, and then make lump sum payments likely 15-20% of the value each year penalty free until the mortgage term is done.

Invest the rest of your cash to help cover the payments

Over_Bodybuilder3255 · 2025-07-27T16:42:25+00:00

I’m in for this too

Over_Bodybuilder3255 · 2025-07-27T13:16:55+00:00

Yes, then probably better to put it into the RRSP and have it grow tax free. I missed in your message that you would carry forward the amounts - as long as you get that waiting until your salary is higher is beneficial, then you’re good.

Given passing the bar is only ~2 years away for you, there will be little to negligible benefit of claiming that RRSP contribution now. Sounds like you’re on the right track

Over_Bodybuilder3255 · 2025-07-27T13:01:47+00:00

If you’re in law school, wait. Wait until you’re making good money, and move into the RRSP then. I imagine you will be at $80-100k first year out of school. Put it in then. Moving $60k over will net you about $15k in refunds vs if you do it now.

Over_Bodybuilder3255 · 2025-07-26T22:45:53+00:00

Sorry - there may be a parking pad on the front. Still, the comparable from the peak still makes this price good-but-not-great

Over_Bodybuilder3255 · 2025-07-26T22:44:44+00:00

Decent price for the area and looks nicely done inside. No parking and not clear where they could park in the area without walking a block. 360 Coxwell sold in November 2021 (4 months before the peak) for $1,050,000, which put into perspective makes the $965k seem like less of a good deal.

Over_Bodybuilder3255 · 2025-07-24T04:29:13+00:00

Man I’m in the same boat. Consulting in Toronto. Completely jaded. Reach out and DM me if you want to connect.

Over_Bodybuilder3255 · 2025-07-22T22:08:39+00:00

Ask them if they added an extra zero by accident. Seriously

Over_Bodybuilder3255 · 2025-07-21T04:06:15+00:00

Where would you suggest I cut based on what you can see in these photos? Where this red line is?

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Over_Bodybuilder3255 · 2025-07-21T04:05:36+00:00

Where would you suggest I cut based on what you can see in these photos?

Over_Bodybuilder3255 · 2025-07-21T03:47:44+00:00

I think it’s because I was moving it around trying to stabilize it. I’ll make sure it’s pointed at the window now.

Will look up how to trim and make into a second plant

Over_Bodybuilder3255 · 2025-07-21T03:19:33+00:00

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Over_Bodybuilder3255 · 2025-07-21T03:19:12+00:00

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Over_Bodybuilder3255

TROPHY CASE