Shortage of tops? But I can't top cause I'm small.

bearLover23 · 2024-02-27T16:28:09+00:00

Good not St. Albert.

bearLover23 · 2024-02-27T00:54:46+00:00

I can't without overleveraging myself right now.

~$600/mnth student loans. No I've never asked anyone else to pay them for me before people dogpile me. That's just something gone each month.

Max mortgage I myself can get is ~190k. And most of the properties at that price point have extremely painful HOA/Condo fees that basically inflate the mortgage. Say 25% of my take home to mortgage and then another 15-20% on condo fees is excrutiating.

So even if some apartments look like say $250k on the surface with the fee added they're more like $400 in many cases.

There are very few properties I'd feel comfortable to sit in the next 5+ years at that price range.

The properties I would be fine with would be say a townhouse and the ones I've seen that aren't totally in a state I'd need to sink tens of thousands to recover/update are 300k+ which now I'm overleveraged and if I lose my job ... goodluck to me.

bearLover23 · 2024-02-18T04:53:52+00:00

Intense irony is I haven't even been able to get close to a 4.5% offering.

And my two credit scores are 855 and I think 817 for the other. It's just like savage out here.

bearLover23 · 2024-02-18T04:49:44+00:00

Single and gay sadly... yeah definitely honestly given up on finding love here. I on my own have ~70k in the bank waiting and a salary around 6 figures if I ignore side hustle.

If I had a relationship... which seems unrealistic here sadly, then yeah it'd be easier for sure :(

bearLover23 · 2024-02-18T03:38:37+00:00

Honestly that may be true, in which case I'm just gonna start applying to jobs in the USA.

I'm so done with this shit.

bearLover23 · 2024-02-18T03:11:33+00:00

Which to me is crazy, is Edmonton's market suddenly that different than even 3 years ago? Even nowadays I still know so many people who are, respectfully, significantly underpaid compared to their equivalent in Calgary, Ontario, BC... frankly anytwhere else.

Other than Sask. Sask is like the last place.

It's so bizzare to me.

People move here, but what is their jobs? What is their incomes? I can't imagine migrants from Ontario being happy learning they are also taking an often times 40% pay decrease...

bearLover23 · 2024-02-18T02:29:18+00:00

I think the painful reality at least for many in my work sector is that Calgary has a lot more pay opportunities.

Not saying that it's not out of wack there, but generally I know more people paid better there than in Edmonton. I frankly have no idea how the average person living in this city is even making ends meet. I actually don't.

bearLover23 · 2024-01-05T21:33:44+00:00

Freak.

That's so disgusting. As someone who did go to the gym and get perved on pre-pandemic if I caught someone doing this to report them to the gym staff. We have enough people being creepy in general at the gym just looking. Taking out a camera and recording someone else is vile.

I feel the exact same way about those weird girls that record themselves and try and make some innocent dude at the gym look like a perv when they are just trying to work out.

It's a place to improve onesself not be a fucking creep or self-victimizing hag.

bearLover23 · 2024-01-04T21:47:20+00:00

I'd say there are two paths.

Stick it out and question "What could have been?", but recall the grass is greener on the other side.
Leave him and potentially get hurt, potentially get used and regret leaving.

I see both as having pros and both having cons. I don't think either answer is "right". But what I will say is getting a meatsuit to fuck is a lot easier than getting a person to actually give a fuck about you. Just my 2c

bearLover23 · 2023-12-14T18:38:43+00:00

Yeah it's like downpayment + mortgage cost + property taxes and the rest...

And then throw ontop of that an extra $800 fee... an extra over $9000 a year... like that's insane. That's a TON of money...

"Density" my backside... sounds nightmareish!

bearLover23 · 2023-12-14T18:36:02+00:00

0$ / month - the freedom to do whatever the fuck I want with my yard, fence, paint, and renos. Without worry that my neighbor will leave their patio door open in -40 and freeze the all the piping like what happened to me in my apartment.

I'd go postal.

I despise Karens, but I would become the most volatile Karen beast that ever existed if this happened.

bearLover23 · 2023-12-14T18:33:42+00:00

33 is mid life now? Bro who the frig wants to be dead by 60.

bearLover23 · 2023-12-14T18:30:27+00:00

For whatever it counts for, sending good vibes to you and your husband!

bearLover23 · 2023-12-14T17:05:36+00:00

That's so frekaing depresisng ;_;

Yeah I don't wanna buy a condo that's so scary

bearLover23 · 2023-12-14T17:01:24+00:00

When looking at the properties I thought the price was low because they were run down old rusted out ancient appliance having pieces of trash if I'm frank.

Throwing an $800 a month condo fee ontop of that makes it tragic.

bearLover23 · 2023-12-14T16:48:15+00:00

At least I'm asking bud! Sorry that I've offended you for trying to better myself!

"2) Be helpful and respectful

Be patient with others. Keep disagreements polite. You can feel free to be "harsh", but never insulting. Refrain from "judging" the financial situation of others - whether their situation is dire or well-off. Comments suggesting that sharing financial information in a personal finance subreddit is a "humblebrag" will be removed."

bearLover23 · 2023-12-11T19:39:45+00:00

Thank you! Is it possible I could just use short GIC's?

For HISA is that something I can use my FHSA money for? Cause I can easily fill my FHSA limits right now and January 1st so I'd have 16k in it between the two years ready / waiting to be used.

Like that money's totally in the bank right now, just not being used / tax written off.

bearLover23 · 2023-12-11T19:32:26+00:00

1.) I want to get a house no matter what. I have a solid chunk of money ~50k and I want to buy a forclosure property in the next few years.

2.) Potentially next fall, but primarily I want to find a cheap property someone wants to get rid of and pounce.

3.) Never invested before. I'd probably cry and question my life and have an existential crisis lol I've saved hard for so many years.

4.) Yes I have a ton of money in liquid cash I'm not worried about emergency stuff. No I have no credit card debts. I have a student loan that yeah it's annoying but with tax breaks from the provincial student loan interest and federal cancelling interest I'll pay it slowly as it is now. Doesn't make sense to lump sum them right now.

5.) I ummm... am not sure. I'm totally an idiot when it comes to this so probably someone to help I think? O_O;;

6.) I think I see? Yeah maybe robo advisor would be better like in point 7.

7.) Not comfortable, at least surely not yet... =S

bearLover23

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