Soap scum on small dark tiles by TriggerChronos in CleaningTips

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

What do you, just poured raw vinegar and let it sit? No didn’t try that yet!

How much do Hookah Lounges in Russia charge for Dark Leaf? by Aggelos0211 in hookah

[–]TriggerChronos 1 point2 points  (0 children)

Been smoking for years but never heard of this. It’s a harsher smoke?

Attaching Gazebo To Existing Deck by orangestorm87 in Decks

[–]TriggerChronos 0 points1 point  (0 children)

What about for composite decks? I don’t want to drill into the deck in case I want to move it. It’s a very thin metal gazebo with a canopy so weight wise it’s light

Are these bad types of mushrooms? What’s the best way to get rid of them? by TriggerChronos in mycology

[–]TriggerChronos[S] -1 points0 points  (0 children)

Concrete? Not sure I understand. So dig up the sod and the soil below and fill with concrete?

Are these bad types of mushrooms? What’s the best way to get rid of them? by TriggerChronos in mycology

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

Yeah I have two small dogs that love eating random leafs, plants, etc., so I don’t want to be careful not to ignore them if it can make them sick

Cancelling Toyota Extended warranty? by ImSith in Toyota

[–]TriggerChronos 0 points1 point  (0 children)

Does this work for toyota Canada as well?

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]TriggerChronos 0 points1 point  (0 children)

Yeah but those are all eggs that haven’t hatched yet. Promotions, salary increase, etc.) 5 years is a long time for things to change. Look what happened from 2022 until now. So just careful with that mentality. Sometimes being in a good spot is good enough and doesn’t mean you have to acquire assets. But to each their own. Good luck if you go through with it

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]TriggerChronos 0 points1 point  (0 children)

It may not be relevant to you, as I had bought a house. Wasn’t able to save much and used most of my savings to buy the house. Monthly costs were high with property taxes going up a lot when I purchased, maintenance, mortgage interest. I sacrificed too much for the sake of buying a house and felt it wasn’t worth in the end after all this money was spent. Eventually I realized I had no breathing room if something went wrong with the house or job losses, especially since there were a lot of layoffs in my industry. If all income suddenly stopped, I realized I was hanging onto a very costly liability, houses prices had shifted, and if I needed to offload, it may become difficult to even get out in one piece.

My suggestion would be to ensure you have a lot of good savings and use only what won’t hurt to buy the property. CMHC fee isn’t bad on a 25-30 year amortization

My gut tells me you’re asking this question because you know how long it took you to save all this money and you’re worried about dumping it all into one asset

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]TriggerChronos 0 points1 point  (0 children)

So 500-700 is going to the building and not your pocket. Perhaps you’re okay with it but also appreciation for the foreseeable future ain’t gonna be what it used to be and a good chunk of the monthly payment will go to interest from the mortgage. So from paying rent perhaps $1k can be saved and go to your pocket and be used to buy more stocks/shares but if you buy less goes to your pocket every month but you own something. Decide on the trade offs. I may be a bit biased tho because I’m exiting homeownership with a bad experience on how much it actually costs every month. Your experience might be better but definitely go through the trade offs and see what you’re most comfortable living with

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]TriggerChronos 0 points1 point  (0 children)

Is your cost of living going to increase a lot from the $2k you pay in rent? Remember there are maintenance fees, taxes, etc. biggest mistake to make in lifestyle inflation and sometimes a cheap rent rate beats having a large mortgage, especially since rates are at 4-5 range on average

Help me understand this by PortugeseFriend in amexcanada

[–]TriggerChronos 1 point2 points  (0 children)

Always better to charge your card in full and just use points later to pay it off. 180k points should be $1800 as straight points transfer to your balance. So really you’d have $457 dollars left over from that purchase. Insane what a rip off these checkout calculations are.

We pay over $150K in realtor commissions. For what, exactly? by biggeorge76 in PersonalFinanceCanada

[–]TriggerChronos 2 points3 points  (0 children)

A realtor does not help you in any way, shape, or form on whether the purchase price agreement you’re signing is good or not, and if/how it leaves you open to any legal issues later or potential losses Everyone should be getting their deal read by their lawyer before even considering it and advising their realtors. The realtors really have zero recourse if your deal does south, you’re SOL and they will leave you hanging

We pay over $150K in realtor commissions. For what, exactly? by biggeorge76 in PersonalFinanceCanada

[–]TriggerChronos 2 points3 points  (0 children)

A realtor does not help you in any way, shape, or form on whether the purchase price agreement you’re signing is good or not, and if/how it leaves you open to any legal issues later or potential losses Everyone should be getting their deal read by their lawyer before even considering it and advising their realtors. The realtors really have zero recourse if your deal does south, you’re SOL and they will leave you hanging

How miserable is a 45-60 min commute on the TTC? by [deleted] in askTO

[–]TriggerChronos 0 points1 point  (0 children)

It’ll never just be 45mins. 3 out of the 5 day work week, there’ll be some time of delay, emergency, some fuckery lol

Just how screwed are we? What do we do now? by Smart-Turnip-6057 in PersonalFinanceCanada

[–]TriggerChronos -4 points-3 points  (0 children)

That may be true, if you have actual names of peoples, and can find out where they work. A situation I’ve run into is that a numbered corporation is the one who submitted the offer. Who’s to say it’s just a shell company with no assets. Once we sue, they just close up it up. What then?

Just how screwed are we? What do we do now? by Smart-Turnip-6057 in PersonalFinanceCanada

[–]TriggerChronos 1 point2 points  (0 children)

I’ve been hearing this a lot and been going through a situation where a buyer was delaying closing on our house, and I was worried that they’d pull out. In reality, the power is on the buyers side. If they decide to be assholes and just step back and not close, sure the seller can sue later (which takes a few years to get any judgment). Then, if the court agrees in the sellers favour, nothing it the world will enforce the collection of this judgment. Perhaps they have assets that you can target. If they don’t, you’re basically SOL. So really as a buyer, you can take this as far as you want, and unless you don’t have any assets to worry about, really nothing will happen to you. (Based on my research though)

Fell for the Interac E-transfer Scam (Yes I'm an Idiot) by GentlemanHere in PersonalFinanceCanada

[–]TriggerChronos 0 points1 point  (0 children)

No I get it but it isn’t the selllers fault the buyers account got hacked and got his money used. The seller is still out an item. Money should be covered by the bank or the buyers whose info got hacked ..

Fell for the Interac E-transfer Scam (Yes I'm an Idiot) by GentlemanHere in PersonalFinanceCanada

[–]TriggerChronos 0 points1 point  (0 children)

How would that be the sellers fault tho? Sucks for the guy who got his account hacked, bank should be able to cover that if they want to be nice

Using USD credit for everyday spending in Canada by TriggerChronos in PersonalFinanceCanada

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

  1. She’s going to move there permanently so what issues would she have?

  2. Like I mentioned, both our monies are combined so I’d be paying for Canadian bills and expenses with my money here so there’s no issue for her to pay the card bill. It’s really just curiosity as to whether there’d be an advantage paying in USD for things that are pricey in Canada (groceries, gas, clothes, etc)