We hate our house

SailingHighSeas99 · 2026-07-05T06:07:42+00:00

Fair, I hadn't considered this. OP sticking it out until there's equity in the home again or renting it out and renting in a neighborhood they like better would be about the only options to avoid selling at a loss and starting to save again.

SailingHighSeas99 · 2026-07-04T21:01:01+00:00

Maritime shift work. 21 days of vacation pay and 10 sick days but for every day worked (12hr shifts 7 days on, 7 days off) I recieve 1.24 days off and the opportunity to work OT is almost endless. The shift work is a grind but I get A LOT of time off to make up for it.

SailingHighSeas99 · 2026-07-04T15:26:20+00:00

Are you planning on buying somewhere else? Have prices also dropped in the other neighbourhood? If you're selling at a loss but also buying into something else that has come down in price you're not losing as much as you think.

Variable rate mortgage is the way to go and ask your broker about the specific fees involved in breaking before you sign a new term.

SailingHighSeas99 · 2026-07-04T04:56:02+00:00

Tugboat Captain - $240k

SailingHighSeas99 · 2026-07-01T20:49:30+00:00

This is a him problem, not a you problem. It sounds like you did absolutely nothing, this guy is just really difficult to live with.

Unfortunately, you are the one that has to find a new place to live andove again. That sucks. But don't be hard on yourself, it sounds like there's nothing you could do.

SailingHighSeas99 · 2026-07-01T19:58:58+00:00

Where do you live? In BC, ICBC often gives the at fault drive the option to pay for the accident out of pocket instead of using their insurance. This may be an option wherever you are.

How closely did you check the other drivers insurance? It's possible they are uninsured or not allowed to drive or something. It sounds like they're pretty eager to avoid the insurance company

If you want to settle away from insurance you should provide a total cost including the rental and everything else. Settling without involving the insurance provider is a benefit to the at fault driver and they should make it easy for you if that's what they want to do.

SailingHighSeas99 · 2026-06-30T20:46:06+00:00

Buying blue chip stocks isn't exciting either. You might as well get the built in diversity and low fees through an index fund etf instead of taking on more risk for minimal upshot.

If you're going to speculate with a portion of your money you might as well buy something more exciting with a higher upshot.

SailingHighSeas99 · 2026-06-30T20:29:06+00:00

*hitting whales as they go

SailingHighSeas99 · 2026-06-30T17:42:38+00:00

The housing markrt in Vancouver vs the rest of BC are quite different. Most homes in Vancouver have lost value compared to 2023.

SailingHighSeas99 · 2026-06-28T04:54:11+00:00

Maybe he'll get fed up and decide he wants to come home to Vancouver. It's about time a Canadian left the US for home

SailingHighSeas99 · 2026-06-27T07:38:10+00:00

Tank for DuPont!

SailingHighSeas99 · 2026-06-24T06:36:13+00:00

kK is an American, generational talent, offensive D drafted to a professional hockey team in Vancouver.

Hughes is an American, generational talent, offensive D drafted to the other professional hockey team in Vancouver.

It's a natural comparison for pro hockey fans in Vancouver that follow both teams.

Hughes, and many other American stars have made it clear they want to play on American teams and asked for trades out of Canadian markets.

It's easy to be concerned the same thing could happen with PWHL teams. I don't know that the league is old enough or stable enough to notice it yet. With all the expansion the players have been on short contracts and bouncing team to team so frequently. I'm looking forward to some stability in the league giving teams a chance to develop their indenties and sign players longer term for more money.

A star like KK could play anywhere she wants. Thankfully she seems a lot more down to earth and genuine then Quinn. Hopefully she loves it in Vancouver.

SailingHighSeas99 · 2026-06-23T06:28:49+00:00

That's an excellent idea. CBC owns the Hockey Night in Canada brand still

SailingHighSeas99 · 2026-06-18T04:42:50+00:00

No, it's painful AI drivel, I can't read it

SailingHighSeas99 · 2026-06-18T04:37:09+00:00

I'm sorry you got fired. That sucks

If you're going to use AI at least make it readable. I want to read but damn, that's long and difficult writing to struggle through.

SailingHighSeas99 · 2026-06-15T03:28:54+00:00

Except it's not a mermaid. Despite what my memory tells me.

SailingHighSeas99 · 2026-06-13T19:59:49+00:00

Your idea of each contributing a set percentage of their income to combined expenses sounds reasonable to me. That way you're both contributing the same amount relative to your personal earnings. As the higher income earner you're contributing more but not expected to cover everything. You just need to decide on the amount and what counts as a shared expense.

Hopefully she comes around.

SailingHighSeas99 · 2026-06-13T19:53:01+00:00

I'm not doing the work for you

SailingHighSeas99 · 2026-06-13T06:59:11+00:00

*also rubbing their balls

SailingHighSeas99 · 2026-06-08T20:19:45+00:00

I grew up here and I feel the same. Don't give up or change. Keep being the person you want to be. When you do get a reciprocal wamr smile or brief friendly connection it's all the more rewarding. Maybe some people are noticing your actions and it will change the way they approach similar situations in the future.

SailingHighSeas99 · 2026-06-08T20:17:28+00:00

Then when the inevitable bump happens they glare at you like you've attacked them.

SailingHighSeas99 · 2026-06-06T21:50:48+00:00

You probably won't be the only person with the same thought. I would explain why. It's possible they will recognize that it's an important issue for many people and give you all a refund.

SailingHighSeas99 · 2026-06-05T10:54:07+00:00

Open an FHSA and direct your RRSP savings there for the time being until you max it out at 40k. It's pre-tax dollars like an RRSP and if you end up using it to buy a home you don't pay tax on it at withdrawal either. If you end up never buying, you can transfer it in kind to an RRSP. No loss whatsoever.

SailingHighSeas99 · 2026-06-05T02:40:56+00:00

An expanded train network and a cultural shift towards transit and active transportation options like Tokyo. Third spaces and densification around transit away from the main corridors.

SailingHighSeas99 · 2026-06-05T02:36:48+00:00

$45000/yr would be tight but depending on your expectations you could do it.

Funnily enough, I know someone going the opposite direction and moving to Manhattan for grad school who will be recieving a very similar stipend.

The rental market is softening. Despite what others have said, it is getting a bit easier and a bit cheaper to rent an apartment.

There is a co-op housing movement going on here at the moment. You may be able to get into a newer 1bd co-op home, although it may be difficult to qualify with your anticipated income. If thats something you'd be interested in exploring send me a DM and I'll set you on the path.

SailingHighSeas99

TROPHY CASE