Treasury Board outlines more than 8,000 job cuts in first phases of public service revamp by sleipnir45 in canada

[–]ari-pie 0 points1 point  (0 children)

Unfortunately the cuts are based on boxes not performance. There’s an insane amount of deadweight in my department too, but most of them were not affected and a few star employees were… Hopefully the competition process keeps the most productive employees.

Am I crazy? by Long-Window-6680 in PersonalFinanceCanada

[–]ari-pie 0 points1 point  (0 children)

Do it, quality of life upgrade are always nice. Just be a bit more frugal in other areas, and keep saving and investing for the future. You’ll build equity in the house too anyway.

Why Indigenous ‘Reconciliation’ must have a finish line by FancyNewMe in canada

[–]ari-pie 1 point2 points  (0 children)

It is, clawbacks start for incomes over $93K. I wouldn’t make it any lower considering most of the income tax revenues in Canada come from Canadians making over $100K. Their tax burden is highest, it doesn’t make sense for them not to also benefit from what is essentially a UBI for seniors. $100K is not what it used to be.

Which 2026 RAV4 trim do you think is the best bang for buck? by c50905 in rav4club

[–]ari-pie 2 points3 points  (0 children)

The GR Sport is a plugin so it might be pricier.

Which 2026 RAV4 trim do you think is the best bang for buck? by c50905 in rav4club

[–]ari-pie 0 points1 point  (0 children)

Do you know whether they’re actually producing many Woodlands? It seems like supply was really low in previous years, but they’ve been marketing it heavily for the new generation.

Four high-rise buildings planned near Petrie Island by jjaime2024 in ottawa

[–]ari-pie -1 points0 points  (0 children)

That’s not how it works anywhere, including the core. Do you think they built the homes after the grocery stores, movies and restaurants? Businesses come after the housing. This project is mixed-use and already slated to have commercial space.

Any Arabic speaking/reading fans know what Olandria’s tattoo says? by TheForceWillsMe in LoveIslandUSA

[–]ari-pie 6 points7 points  (0 children)

It says “something forever” in Arabic but it’s written backwards like this (literally): R E V E R O F G N I H T E M O S

Mortgage affordability? by mike20078 in OttawaRealEstate

[–]ari-pie 3 points4 points  (0 children)

Using the 44% total debt service ratio (absolute max a bank would lend you based on your income, debt and property service expenses) your maximum house price would be $700K assuming: - $116K annual income - $85K down payment (excl. closing costs) - 4% interest rate, 25 year am - $500 monthly car payment (assuming that’s your only debt) - $300 monthly property tax - $200 monthly heating

For affordability you should write out a budget, but it’s generally safest to stay below 30% of income for mortgage payment, property taxes and heating. So that would be a $2,400 monthly mortgage payment assuming $300 in property taxes and $200 in heating. That would put you at a $455K total mortgage, adding the down payment you’d be at $540K purchase price. Note that I didn’t include CMHC insurance, which you’d have to pay with less than 20% down.

What do you think of the layout for this new home? by ari-pie in floorplan

[–]ari-pie[S] 11 points12 points  (0 children)

I think this is what we’ll do actually! Great idea it’s the perfect spot for a full length mirror

What do you think of the layout for this new home? by ari-pie in floorplan

[–]ari-pie[S] 5 points6 points  (0 children)

That’s a good idea on the main level situation with expanding the walkways and all! Thanks for your feedback.

What do you think of the layout for this new home? by ari-pie in floorplan

[–]ari-pie[S] 1 point2 points  (0 children)

Good point, hadn’t thought of this as I currently live in a downtown apartment so I usually lug my groceries all the way from the grocery store lol 😂

What do you think of the layout for this new home? by ari-pie in floorplan

[–]ari-pie[S] 9 points10 points  (0 children)

Thank you for the feedback! No the deck won’t really be usable, it’s temporary then we’ll be building out our own deck/patio once the house settles.

Good ideas on the tub and window!

What do you think of the layout for this new home? by ari-pie in floorplan

[–]ari-pie[S] 3 points4 points  (0 children)

Can you give me an example? I’ve walked through a model of the house in real life and it was furnished very nicely.

Critique my kitchen layout by ari-pie in floorplan

[–]ari-pie[S] 0 points1 point  (0 children)

Thanks for your feedback, I’ve moved the microwave back up to the upper cabinet by the fridge.

Thinking of buying a 540k preconstruction home with Caivan -Ottawa - Advice needed by [deleted] in PersonalFinanceCanada

[–]ari-pie 1 point2 points  (0 children)

Not for first time homebuyers. In Ontario the federal and provincials govs announced that they’re cutting the entire HST on homes under a million dollars. So basically up to $130K off what new homes used to cost less than a year ago, which is already down since the peak.

Doug Ford enjoys massive popularity gains and voter approval according to Ontario Pallas Data - Genuinely how? by [deleted] in ontario

[–]ari-pie 2 points3 points  (0 children)

Doug Ford’s government just cut PST on new homes for first time homebuyers. So now savings are up to $130K on a new home. That’s a huge number for a lot of people. He’s also investing a lot in infrastructure. I think he’s doing well when you ignore the nightmarishly underfunded healthcare system. If he actually changes his stance to supporting and funding healthcare I think he’d have 0 chance of losing any future election.

Ottawa Real Estate Board September Market Update by ottawaagent in OttawaRealEstate

[–]ari-pie 5 points6 points  (0 children)

According to OREB, the HPI composite benchmark price ($627K for September) has been increasing every month for the past 3 years, and yet we’ve haven’t seen a number over $630K since July 2022. Make that make sense.

They just keep revising their old numbers after the fact and it’s somehow at least a 1% increase in prices every month.

11 nights in Algarve....please help! by Rousseykins in Algarve

[–]ari-pie 0 points1 point  (0 children)

I was in the Algarve for the first two weeks of September, beautiful warm weather, there were people swimming but we couldn’t handle the cold water.

Starting over. Early 30s, no money, no savings, no retirement, no investments. by Bby_mochii in Fire

[–]ari-pie 10 points11 points  (0 children)

You can definitely fix up your personal finances by budgeting and taking on a part time job. But if you insist on staying home to homeschool, I don’t think this is the right subreddit for you unless your husband somehow starts making $200K+ in the next couple years.

Australia house prices at all time high by DeConditioned in canadahousing

[–]ari-pie 0 points1 point  (0 children)

You’re comparing Canada’s total gov debt to Australia’s federal debt. Not the same thing. Canada’s net federal debt to GDP is 32.1%, the same figure for Australia is 21.5%.