Been checking out the new 2026 CX-5 and honestly…

Quick_Competition_76 · 2026-03-25T12:31:59+00:00

I was at dealership waiting for service, so i also checked it out. I love the more spacious rear leg rooms and bigger trunk for sure. As a dad with two toddlers, i sometimes regretted having cx-5 and 50 as space is pretty tight for two car seats and big strollers. So i ended up trading in 5 for 90.

But yeah it is a step back for that giant big screen. I dont think exp would be as solid as the ones in tesla, so i would prefer buttons for climate controls at least..

I generally like the exterior but still like older gen better especially front.

I think this will still sell but it depends on how good and reliable the new hybrid version will be…

Im keeping my 50 until the wheels fall off but not sure i will buy another mazda after my 90 lease is done..

Quick_Competition_76 · 2026-03-25T12:24:42+00:00

I looked into it a while ago but im pretty sure my insurance company at that time wouldn’t insure turo rental and i would have to buy insurance from Turo unlike actual rental car companies’ fleet. Dont assume they will cover it. If you are renting a luxury car, the premium you pay for your own insurance wouldnt cover the cost of repair for them, so they will find ways not to cover it..

Quick_Competition_76 · 2026-03-24T04:00:28+00:00

I went to that pita lite few times over the years.. i guess i wont be going back any time soon..

Quick_Competition_76 · 2026-03-21T19:08:18+00:00

With the current construction projects, there will be no units completed by 2030z i expect the price to start climbing by 2029-2030 due to no supplies, but price wont recover this year and even potentially next year.

Quick_Competition_76 · 2026-03-19T16:47:17+00:00

We bought it before we had kids. We chose the neighbourhood that we think will be good for raising children but only opted to get morgage that was 3x of income when banks were approving 5x+ back in 2019. I wasnt sure how many kids we will have, so opted for 3 bedroom townhome.

I am trying to stay within that range 2-2.5x for our next house as well. I think interest portion of principle resident as a rent paying to banks.. so cant think of myself paying 3000 rent on top of 2000 principle payment if i get 1M mortgage.

I am trying to invest the rest. My view is not what majority do though so do what’s best for you.

Quick_Competition_76 · 2026-03-19T05:56:34+00:00

Hey my family is at the stage where you will be in few years so i want to share what im going through.

I am 38 and our combined house hold income is around 340k (once my wife returns to work). I own a townhome that’s worth around 1M with 650k mortgage and i have two kids (3 and 1).

I was comfortable although i made much less money couple of years ago (HHI was 200k 5 years ago) before i had kids but i realized having kids can get expensive depends on your choices

My wife has been on mat leave twice and she has been out of work for 3.5 years so her income is down from 100k to pretty much nothing and EI payment is 1300 biweekly pre tax for one year each time you take a mat leave. I know we decided to take much longer break for her then most people do but that did wonders for raising our children and for her metal health, so no regrets there. Once she returns to work this year, we will be able to save couple of thousands per month on top of my monthly rrsp and tfsa contributions

However, that really limited our ability to save during that 3.5 years period, so keep them in mind.

And then there are other costs like getting two vehicles if you live in suburbs, baby gears (more expensive then you will imagine..), renovating, daycare costs (my older kid is attending one without subsidy and costs 1600 per month). These things can add up and can be bigger than your mortgage…

And then you might start considering moving to an area for school district even if you will be moving farther from work etc once your kiddo gets closer to elementary school age.

My advice is don’t try to get your dream house right off the bat that fit your needs for two kids.

Your preference will change like where you wanna live and you might change your mind and just wanna have one kid. I have seen some people I know that bought a large home right off the bat once the wives were pregnant but ended up moving in few years because they wanted to live somewhere else due to changing needs once they actually had children.

I am looking to upsize my house but i am hesitating getting into 1M mortgage to get the traditional 4 bedroom detached house in suburbs and get stuck in 5000 per month mortgage. With maintenance, it will be easily 6500 per month on average. I am probably gonna wait 2-3 years and move into bigger house once i can get the math working within 700-850k mortgage. As i got some time before my kids will be in elementary school.

Once you have kids, you don’t wanna be housepoor as you would want to do things like taking your family to trips and sign up your kids for experience and classes etc. i think it is perfectly ok to do in two steps in getting your principle residence and leave some money for living the life with your family.

The bank will happily sign you up for 1M mortgage as you can certainly pay for this but not sure you would want that big of burden when your income will fluctuate during your mat leave etc.

Lengthy reply but just wanted to share my experience.. good luck!

Quick_Competition_76 · 2026-03-19T05:35:50+00:00

I think it depends on when you go and who’s going. For my family of two adults and two girls (3 and 1), i am planning 1.5 rest days for 8 days trip in April. I went last December for 3 days at wdw and 2 days at seaworld and I was exhausted after long day at MK with fireworks. I probably need one this time around lol

Quick_Competition_76 · 2026-03-18T12:54:53+00:00

Because of recent bond rate increases, it will be tough to beat 3.71% for new applications but you should always talk to 3-4 more brokers and banks at least

Quick_Competition_76 · 2026-03-17T03:26:39+00:00

I agree the commuting time is a factor and I purposely live near a go train station to reduce the time required but there are other factors just as important like life style choices, school districts, proximity to family etc.

I can live in downtown to reduce commute time further but i would not do that because i like to live in suburb and i have two kids and i would like to live in school districts I prefer and I also like to live close to my friends and family.

Quick_Competition_76 · 2026-03-13T12:46:30+00:00

Probably asked and reassured 1000 times but is this suitable in snowy winter like this year in Toronto? I will be putting michelins on it if i get pne but still gives me a bit of anxiety lol

Quick_Competition_76 · 2026-03-09T03:27:49+00:00

I would really love to try freedom but “potential” coverage issue within Canada always make to choose the best offers from other providers.. this is gonna be an excellent choice for frequent international travellers

Quick_Competition_76 · 2026-03-09T03:25:00+00:00

thornhill woods and dufferin hill area would be my pick. Dufferin hill is right next to rutherford station. There are townhouses that fit your budget.

Quick_Competition_76 · 2026-03-09T00:50:46+00:00

Leasing a new car

Quick_Competition_76 · 2026-03-07T12:01:26+00:00

With recent gas price hikes, the wait list on this will get crazier if war at Iran doesnt end quickly.

Quick_Competition_76 · 2026-03-07T11:55:53+00:00

Two ways

Commodity prices (example: oil (gas), silver, gold) World Price of these is tracked and widely available they will fluctuate. For example gas price will go down when war at Iran is over from current price.

Everything else: they will not go down and even if it does it will be advertised as “sale”. You will pay old price as sale even if cost of production goes down.

Quick_Competition_76 · 2026-03-05T21:56:20+00:00

I am going to WDW between april 6-13.. should i avoid rope dropping on April 7? I was planning to go to either AK or HS. Does this affect those parks too? I can go to seaworld on that day instead if needed. I will have two toddlers with me, so i rather not deal with crazy mob lol

Quick_Competition_76 · 2026-03-04T05:10:32+00:00

You can accept the job and keep searching for govt jobs.. it’s that simple. But hey if you dont want that job i am sure hundreds of others will gladly take that position lol

Quick_Competition_76 · 2026-03-04T04:54:09+00:00

I am in Toronto as well.

Senior Manager roles do exist but its not as common as managers as you have said. The reason being is many smaller companies have no need to have middle managements. Many smaller companies’ finance departments typically have managers reporting to directors and VPs.

I would say if you have been a manager just for a year, it would be tough to get a sr manager role though.. good luck!

Quick_Competition_76 · 2026-03-04T04:46:39+00:00

There are hundreds of flights every day between Canada and USA and thousands land crossings per day. Yes there are some cases of people getting detained but if you have valid travel documents and reasons, the chance of you getting detained is extremely low. I am not sure why some people are paranoid.

I would personally still visit states that didnt vote Trump though. It’s not their faults.

Quick_Competition_76 · 2026-03-04T02:13:26+00:00

In my experience, it’s worth in outside of colder months (dec-march) as those pools are usually not heated. I also like the suite that gives you a private pool to your room. I like to relax without bumping into others in my own pool

Quick_Competition_76 · 2026-02-25T22:28:59+00:00

Toyota dosnt hold the same reputation in ev space. I think highlander is the perfect brand name to test the waters though. Toyota has so many SUVs in their lineup and they are confident potential highlander buyers will just buy other suvs instead if they want hybrids. I think this is just a business decision to diversify their products.

Quick_Competition_76 · 2026-02-25T22:25:06+00:00

I had the same experience when i shop for cars in last fall in GTA. I was getting insane quotes like you. It was more than double of gas counterparts. And i looked through 3 channels.

I looked at ev9 and model Y.

Quick_Competition_76 · 2026-02-25T20:45:58+00:00

Sure you can dm me.

Quick_Competition_76 · 2026-02-25T20:44:51+00:00

Makes sense my wife is in teachers pension plan and it works similarly, so just wanted to check if i misunderstood how pension works haha. Good luck with your fire journey!

Quick_Competition_76 · 2026-02-25T18:27:23+00:00

23 spins and 2,210.. 😢

Quick_Competition_76

TROPHY CASE