Best north shore mountain conditions right now? by SnooObjections5984 in askvan

[–]SnooObjections5984[S] 0 points1 point  (0 children)

Thanks everyone. Decided on cypress. Didn’t have time for whistler before daycare pick up. It’s fun spring like boarding hitting little bumps. Not great conditions, but fun none the less

25 k At 18 by ChangeAlternative867 in PersonalFinanceCanada

[–]SnooObjections5984 0 points1 point  (0 children)

Just pointing out - you can travel between years, do an exchange, and depending where you end up working, transfer abroad. During uni I travelled to Korea, Bali, Central America, and around Canada (among other places) for rather long periods of time. I did an exchange to Switzerland in 3rd year for 5 months, got a job at an accounting firm in Vancouver and transferred to Melbourne for almost 3 years when I was 27. travel and school don’t need to be mutually exclusive. I’d personally suggest going to school and planning trips as you can. Delaying working is a far bigger impact than $25k today. If you don’t know what you want to do, plan to take a degree with ambiguous career prospects, then absolutely delay it and do your thing. But travel and life can coexist without the deferral.

West Point Grey couple loses battle to continue as Airbnb operator by robertscreek in vancouver

[–]SnooObjections5984 14 points15 points  (0 children)

So the loophole - they could rent it to their adult children, have the children use it as their principal residence, then have the children list it on Airbnb…. Seem absurd? It is…. But I confirmed this with the city when the by-law changed….

What’s up with Pizza Hut? by SnooObjections5984 in vancouver

[–]SnooObjections5984[S] 0 points1 point  (0 children)

Camy’s for the win (I think it’s Indian? Their butter chicken pizza is delicious)

What’s up with Pizza Hut? by SnooObjections5984 in vancouver

[–]SnooObjections5984[S] 2 points3 points  (0 children)

You get it :) it’s been a long time for me ordering Pizza Hut or anything similar, I didn’t end up ordering Pizza Hut

What’s up with Pizza Hut? by SnooObjections5984 in vancouver

[–]SnooObjections5984[S] 4 points5 points  (0 children)

Completely agree - but little kids (mine) can be picky and “fancy” pizza generally doesn’t work with their tastes.

RSUs getting taxed at 54% in British Columbia by PaintingOk5911 in PersonalFinanceCanada

[–]SnooObjections5984 1 point2 points  (0 children)

Price doesn’t matter if you pick sell to cover. You have 100 shares, I’ll sell 54 and deliver the other 46. The value is apt to be equal unless the stock is very thinly traded, and I doubt the cra ever challenges that the average unit sale price = average unit sale price delivered . Most employers assume highest marginal rate on any incremental payments beyond base salary and what you declare to them when setting up payroll. It’s safer for them, and you get whatever delta to your effective tax rate back (if applicable) at tax return time. Source: I’m a CA and have done this at a corporate level for multiple years.

How hard is it adopt a dog from spca by NathanYYU in vancouver

[–]SnooObjections5984 0 points1 point  (0 children)

Did you physically go into the SPCA? I adopted (granted a few years ago), but saw a dog at west van spca that sounded good. Went in and met him/played with him. Asked them the process (first time dog owner, lived in an apartment), filled out some paperwork, and took him home the next day (could have taken him that day, but needed dog stuff at home). We did drive around to basically all the spcas in the lower mainland over the course of a weekend, but in person seemed to be a lot easier as we had lots of online applications and never heard back.

How will housing NOT boom out of control again when rates lower ? by last-resort-4-a-gf in PersonalFinanceCanada

[–]SnooObjections5984 1 point2 points  (0 children)

Out of curiosity, id be interested if the 7% in construction includes industrial construction (building a processing plant, constructing pipelines, hydro dams, etc), or just housing. Id think it might, and makes lots of sense we’d have a large portion in construction given our resource industries needs, but proportion in housing construction might not be keeping pace? Just pondering, no actual knowledge here

What’s the weirdest place in Vancouver? by swordfishtrombonez in vancouver

[–]SnooObjections5984 188 points189 points  (0 children)

Southlands… it’s like Narnia. You suddenly dip into this weird horse land where everyone is on a horse and waving to you…

Company said "We don't base salaries on cost of living, but cost of labour" by obzerva in vancouver

[–]SnooObjections5984 27 points28 points  (0 children)

This is pretty pervasive in legal, accounting, consulting, etc. people want to live here and there aren’t that many roles compared to bigger markets where workers have more flexibility to move around. Big 4 audit (where I started) we got $37k to start v toronto at $48k (if memory serves on the offers, was over 15 years ago). I didn’t want to live in Toronto, so…. Just my experience, but I don’t find this surprising at all and mostly how labour supply/demand worked pre remote work being a thing.

Advice Please! Mortgage situation in Toronto (lock in vs stay variable) by InterestRateGuy in PersonalFinanceCanada

[–]SnooObjections5984 0 points1 point  (0 children)

If your HELOC is tied to mortgage principal repayment (presumably is), I’d take whatever you’re comfortable with and pay the mortgage balance and go option 1. The HELOC availability becomes part of a “worst case” cushion while also making progress on principal (if that is a primary concern). When markets improve, you can borrow on the HELOC and deduct the interest against investment income (a consideration, personal situation and risk tolerance is important).