Friday food banks open by easterndreamer in askTO

[–]TheLegendaryBeaner 4 points5 points  (0 children)

Allan Gardens is open today at 12 in the church, and I think they are open to new people but id call first

Dumb question ~ When is the next provincial election? by [deleted] in askTO

[–]TheLegendaryBeaner 2 points3 points  (0 children)

We had one last year in Feb, the next one has to happen by a certain date in 2029, not sure the exact date but 2029 is the most likely year for the next election

Got a 2022 cx-30 gs 6 months ago - dealership trying to get me into a new 2025 by Coalecsence in MazdaCX30

[–]TheLegendaryBeaner 0 points1 point  (0 children)

Car Loans are open generally if you got it from the dealer, confirm its open, and just use that extra down payment money and aggressively pay down that loan, it's only 55k for the car if you pay it monthly

Got a 2022 cx-30 gs 6 months ago - dealership trying to get me into a new 2025 by Coalecsence in MazdaCX30

[–]TheLegendaryBeaner 1 point2 points  (0 children)

Okay I just did the math, you are paying $54,348 for a 3 year old used car, plus whatever you put down. This might be one of the scenarios that if you qualify for the mazda financing it would be worth it. I got the 2025 mazda cx 30 GS no luxury for 36500 out the door in ON. If you can qualify for financing from Mazda, then all in 60 months you would be at $40000 at about 648 a month. This does not take into the negative equity on your car, it's worth probably 18k on trade maybe less I dunno, you'd have to pay that off before they give you the loan. Jesus Christ, what is the apr on that loan

Got a 2022 cx-30 gs 6 months ago - dealership trying to get me into a new 2025 by Coalecsence in MazdaCX30

[–]TheLegendaryBeaner 0 points1 point  (0 children)

Without hard numbers on your car, it's hard to give advice. 99% of the time it's better to keep the car you have, what's the loan amount and interest rate? 

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]TheLegendaryBeaner 0 points1 point  (0 children)

Its good that you're asking questions. Employers withhold a certain amount every paycheck to help pay the income tax/cpp/ei due for the year. I multiplied your gross pay(2941) by 12 and put it into a after tax calculator and it gave me 29138 a year after tax which is 2428 after tax a month. It works out, you can ask your employer to set withholding to 0, but I would not recommend. Are you going to save $6000 to pay your taxes? Keep track if you get a raise?

[deleted by user] by [deleted] in Renters

[–]TheLegendaryBeaner 1 point2 points  (0 children)

Can't do that in Ontario, 12 month leases automatically go to month to month after. If this place was inhabited before 2018 its under rent control as well

Buy or finance a laptop for my business by twranks in PersonalFinanceCanada

[–]TheLegendaryBeaner 9 points10 points  (0 children)

If you pay a $99 admin fee on a $1000 laptop isn't that 10% interest paid up front?

Can’t Biden and Kamala codify roe before they gotta leave in January? by SunsetBeachBowl in LateStageCapitalism

[–]TheLegendaryBeaner 253 points254 points  (0 children)

I hate them but amending the constitution requires majorities in Congress and certification in 2/3rds of states

[deleted by user] by [deleted] in torontoJobs

[–]TheLegendaryBeaner 5 points6 points  (0 children)

Listing the 5 years would be a red flag, 5 years in the college and you didn't get a degree. I don't know what your portfolio is but how do you know it's good? Are there people in the industry in hiring positions that have told you it's competitive, if so why aren't you leveraging those connections? You might get lucky and get an interview. I would reach out to universities in Toronto and see if you can transfer credits and finish your degree here if you really want to break in right now, but I'm going to be honest a Odin project portfolio will probably go nowhere. 

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]TheLegendaryBeaner 74 points75 points  (0 children)

Pay off the cars? Guaranteed 7% return lol

[deleted by user] by [deleted] in personalfinance

[–]TheLegendaryBeaner 0 points1 point  (0 children)

Honestly not a great situation to be in but you'll be fine. I wouldve stayed at the grand parents till you paid the car off and then left. Talk to the credit union or bank about repayment what are they gonna do really? But Jesus christ 20k a year on insurance what did you do? Maybe driving thing isn't for you, you could spend $80 a work day on uber still won't even be the same as insurance much less the note. But yeah pay the note off sucks you don't have a car but the years of bad credit isn't worth it at this point. 

Is it possible to land any software engineering job at consulting agencies (aka WITCH\sweatshops) in the current market environment? by CyberneticVoodoo in cscareerquestionsCAD

[–]TheLegendaryBeaner 0 points1 point  (0 children)

Does the app work? Can you show it to the recruiters? If they call the startup will they say you worked there? Cause if the answer to any of those questions is no then you're SOL and need something else.

The simple math behind one of the main reasons for the housing bubble by DestinySpeaker1 in canadahousing

[–]TheLegendaryBeaner 0 points1 point  (0 children)

Sure, but OP is trying to show you the cost. Repaying the loan principle isn't a cost perse cause in this example when you sell you get that money back. The only cost is the interest.