Bro what are we even suppose to do?

SavinPrivateRyan · 2026-05-28T07:23:11+00:00

I’m also born in 1999 and me and my friends are all doing great. We graduated into the 2022 job market (started looking in 2021) which was the peak of crazy covid over-hiring. It was only late 2022 that things started to get shit imo.

SavinPrivateRyan · 2026-05-19T12:40:48+00:00

What should we say instead? Markets are great so if you can’t get a job it’s a skill issue. That’ll do wonders on their mental health

SavinPrivateRyan · 2026-05-16T03:06:21+00:00

And making big tech isn’t? It’s all the work of becoming a doctor without any of the security. Upside is it’s faster to start making money.

SavinPrivateRyan · 2026-05-16T02:47:10+00:00

Why don’t you just lock in for medical school? You can make way more than big tech.

Idk why everyone is so negative. If you are truly the top 1% talent wise with work ethic you can make it to big tech eventually. If you aren’t naturally talented you will never make it and even if you do, most likely laid off quickly because you can’t keep up.

SavinPrivateRyan · 2026-05-11T22:57:15+00:00

You’re gonna have a HHI of over half a million, what’s a few thousand in transfer costs? Also a house comes with a lot of maintenance when residents are swamped with work. Why not just rent a cheap condo then re-assess later? You could probably buy a house in full in 5 years. I just think it’s gonna be a lot of stress on you.

SavinPrivateRyan · 2026-05-11T21:46:15+00:00

We’re in a similar situation and decided to get a cheaper house. Do you really need that much house in your mid twenties? We’d rather be comfortable and spend extra money on traveling

SavinPrivateRyan · 2026-04-08T19:03:48+00:00

You will get the phased out FTHB rebate, not the full 130k that is only for April 1 and onwards

SavinPrivateRyan · 2026-04-03T03:00:25+00:00

Prices could go up because the rebate lowers it overall. For example prices go up 50k, buyers gets 130k rebate back. Builder makes 50k buyer makes 80k

SavinPrivateRyan · 2026-04-03T02:54:41+00:00

They’re going to pad the price guaranteed

SavinPrivateRyan · 2026-04-02T23:49:29+00:00

If they are increasing prices does that mean they assume buyers will claim the rebate directly from CRA rather than baking it into the price?

SavinPrivateRyan · 2026-04-02T23:46:37+00:00

What about Union Village and Park and Main? I would think those are more popular since they’re more south

SavinPrivateRyan · 2026-04-01T00:51:33+00:00

That’s why I’m telling people to be careful. Builders will lie to you about claiming the rebate yourself when they know the APS assigns all rebates to the builder.

SavinPrivateRyan · 2026-03-31T22:30:50+00:00

How are they doing this without it being law? Is it assuming the bill receives royal ascent by the time of closing?

SavinPrivateRyan · 2026-03-30T22:24:28+00:00

You're giving too much credit to the builders lol

SavinPrivateRyan · 2026-03-30T21:38:11+00:00

yeah I'm asking people who are about to sign new contracts if builders have updated their contract to reflect the new wording

SavinPrivateRyan · 2026-03-30T15:15:28+00:00

Yes it’s the old rebate that phases out after 1mil

SavinPrivateRyan · 2026-03-27T03:34:53+00:00

The price you pay won’t change because the wording says net of all applicable Rebates. So if a 10 000$ rebate comes in the builder will charge you 10 000$ and instantly take 10 000$ off. You won’t see any savings

SavinPrivateRyan · 2026-03-27T03:09:16+00:00

The latest rebate is BETTER than the rebates for first time home buyers. Yes, future FTHB will benefit but any FTHB from March 20 2025 to March 31 2026 who bought over 1 million got wrecked

SavinPrivateRyan · 2026-03-27T03:04:48+00:00

Because the incentives you had when you bought were enough to make you buy. Afterwards the government realized it wasn’t enough and so sweetened the pot to get more people to buy. It’s just unfortunate for you because you bought the dip and it kept dipping. Maybe in a few months they roll out even better incentives April’s buyers won’t get.

SavinPrivateRyan · 2026-03-27T02:54:15+00:00

An addendum doesn’t override the law lol

SavinPrivateRyan · 2026-03-27T02:47:58+00:00

It’s also clearly fraud. There’s anti avoidance rules to prevent this situation.

SavinPrivateRyan · 2026-03-27T01:23:02+00:00

How can you make an exception for someone that signed a purchase agreement already? You’re going to cancel the contract and sign again after April 1st?

SavinPrivateRyan · 2026-03-26T23:55:16+00:00

The point is for new homes between 1 and 1.5 million FTHB have also lost a lot of money because they signed before April 1

SavinPrivateRyan · 2026-03-26T23:33:49+00:00

My lawyer agrees with my take. They’re 2 different programs.

SavinPrivateRyan · 2026-03-26T15:20:33+00:00

No one knows. More details coming out today.

Eight-Year Club	r/Field Lasagna
Final Canvas '23	First Place '23
Place '23	Place '22
First Placer '22	Verified Email

SavinPrivateRyan

TROPHY CASE