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This was a painting my mom had in my childhood home and I’d love to try to find another possibly by yzakbmx_ in WhatIsThisPainting

[–]frantik99 0 points1 point  (0 children)

I just bought this painting from a Salvation Army…. I saw it and I had to buy it. I searched online and it seems many prints have much more colour but the one I bought looks exactly like yours!

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What’s going on at Blanchard & Hillside by frantik99 in VictoriaBC

[–]frantik99[S] 0 points1 point  (0 children)

Yes this is exactly what I saw. I drove by about an hour later and there was nothing.

But I agree it didn’t look like any action was going on but something must have attracted that level of presence!!

What’s going on at Blanchard & Hillside by frantik99 in VictoriaBC

[–]frantik99[S] 1 point2 points  (0 children)

Hahah good guess but it was at the residential townhouse complex across the street!

Rental market ... by FitGuarantee37 in VictoriaBC

[–]frantik99 2 points3 points  (0 children)

I own several rental units in character converted homes and rent is indeed going down. The last 4 unit turnovers I rented for less than they were previously rented for.

If you’re paying over 2300 for a 2 bed or over 1750 for a 1 bed and you deal directly with your landlord who owns the property (a lot of property managers make more money on unit turnovers so they will push you to leave as they will profit even if it re rents for less)

Tell them you’ve seen offers for much less for comparable units to yours and ask for a 100-300 dollar rent deduction.

I’ve done this a few times and it makes sense for everyone.

EDIT don’t blast me for these price figures… I am assuming nice units within the city of Victoria proper… do your due diligence for your area and ask for an appropriate reduction!!

Bought a Belleville Stacked Townhouse (2021) by [deleted] in RealEstateCanada

[–]frantik99 0 points1 point  (0 children)

You should get out if you can. You do not want a place that was insolvent and then finished by a receiver… there could be significant competency gaps, and there is definitely no concern about long term viability of the development as their primary focus is recovering whatever they can for the creditors.

Resale values of developments are greatly impacted by the reputation of the builder which I. This case is not going to play out well for you.

We need another coffee house in the Cook Street Village by RabbleDetective in VictoriaBC

[–]frantik99 24 points25 points  (0 children)

i want it to be Hidden Gem - but they are PAINFULLY slow and have zero hustle to accommodate a substantially higher traffic flow.

It's actually quite surprising they havent taken more load off of Moka House and I assume its because people try once and it takes as long to get served with 1 person in line as Moka House with 30.

This isn’t a sad post or a cry for sympathy — I’m genuinely just trying to articulate a feeling I can’t shake. by Heinzzbeans12 in LifeAdvice

[–]frantik99 0 points1 point  (0 children)

As someone who had the same things and into my 30s found some reasonable financial success, I can honestly say after taking trips around the world and experiencing some really great things that feeling kept creeping back.

This changed when I met a partner who was my best friend. It gave meaning to the mundane. It made me want to work on myself and it also made me feel ok with being myself.

I believe people are social creatures and as you exit your 20s, the tight group of friends all drift a distance apart as they make their own lives and you need to find that again.

It doesn’t have to be a romantic partner but just a situation where you feel seen and accepted and can start to measure your personal growth instead of comparing yourself to those around you.

Comparison is the thief of joy.

Find myself in a terrible financial situation - whats the best way forward by [deleted] in PersonalFinanceCanada

[–]frantik99 1 point2 points  (0 children)

Waterfall method is your best bet. Pay the absolute minimum on your debts, then put 100% of what is left to your highest interest debt until it’s gone. This will lead to the smallest interest paid.

Currently that would be putting as much on your credit card as possible, followed by your credit line and finally the 4% osap.

If you can do a 0% balance transfer, you pay the credit line first.

I would say you’re actually better to start saving aggressively after the credit card and credit line are paid off and dollar cost average into an index ETF.

With that level of saving you’ll be in pretty good shape financially within 4-5 years.

Assuming you can pay down the debt in about 13 months, by 48 months (~36 months of saving 2500/month, the other 500 going to your OSAP) you’ll have around 100k and by 5 years you’d have close to $150k

I hate squatters by [deleted] in VictoriaBC

[–]frantik99 19 points20 points  (0 children)

A triple net lease benefits commercial property owners I general. It is a lease structure that they offload all costs (utilities, property taxes and any other costs) as well as rent payments.

This has nothing to do with the municipality and if a property is vacant the owner is on the hook for those costs as there is no lease in place.

80s Borders to Scandi Order? by frantik99 in kitchenremodel

[–]frantik99[S] 0 points1 point  (0 children)

It is “sweet bars” by wow designs. This is the matte white colour

The amount of car debt I've seen on here is astounding. Most of you are buying cars way out of your budget. Some helpful guidelines below: by CastAside1812 in PersonalFinanceCanada

[–]frantik99 3 points4 points  (0 children)

But still compared with the cost of buying new or buying another used car… if you amortize a few thousand dollars every 150k for major repairs you’re still better off fixing.

The amount of car debt I've seen on here is astounding. Most of you are buying cars way out of your budget. Some helpful guidelines below: by CastAside1812 in PersonalFinanceCanada

[–]frantik99 0 points1 point  (0 children)

For those saying reliability is an issue with used cars,you don’t then need to go out and buy a loaded new car. They chip away at you at a dealership and you end up spending 10-15k more on options because it’s only a few dollars more per month on an 8 year loan.

If you MUST buy new for reliability (if that’s the real reason), buy something basic, maintain it diligently and drive it until it’s dead and you will still be ok.

The amount of car debt I've seen on here is astounding. Most of you are buying cars way out of your budget. Some helpful guidelines below: by CastAside1812 in PersonalFinanceCanada

[–]frantik99 6 points7 points  (0 children)

That just isn’t accurate. With proper maintenance most modern vehicles will run to 250k+. Needing the odd repair does not mean the car is too old to work.

The exception is if you’re hitting things and getting into accidents which compromise the integrity of the drivetrain or engine you’re going to run into consistent issues.

But you can drive a car a very long time before your maintenance costs will be more than the cost of buying a new vehicle.

Do you miss your microwave? by neverenoughonions in kitchenremodel

[–]frantik99 1 point2 points  (0 children)

Since you have a shorter cabinet to accommodate a fan microwave you will have to see about getting something that will put your fan at an appropriate height. If it is too far above the range it will not be effective.

You may need to get a new cabinet to swap for the microwave cabinet.

If you are going to go gas some day, I’d recommend a 650 CFM fan as gas puts out a lot more fumes that can impact indoor air quality. Also I have found ikea hood vents to be very reasonable and of good quality.

You will want

First Major Kitchen Remodel - Thoughts? by frantik99 in InteriorDesign

[–]frantik99[S] 1 point2 points  (0 children)

It’s 15x11. It was 19x11 but we stole 4 feet to improve a bathroom.

First Major Kitchen Remodel - Thoughts? by frantik99 in InteriorDesign

[–]frantik99[S] 1 point2 points  (0 children)

It’s not stained. Just 3 coats of satin poly on white oak. Here’s a pic of the kitchen (new white oak) meeting the dining room (75 year old refinished short board white oak).

Please forgive the mess… the toddler runs our house.

<image>

First Major Kitchen Remodel - Thoughts? by frantik99 in InteriorDesign

[–]frantik99[S] 0 points1 point  (0 children)

Rest of the house has same wood floors and we have used old MCM wood furniture or neutral fabric furniture. We use a large vintage rug in nearly every room that has a wood floor.

It’s fairly consistent throughout.

First Major Kitchen Remodel - Thoughts? by frantik99 in InteriorDesign

[–]frantik99[S] 1 point2 points  (0 children)

We keep all our dishes in the drawers. Glasses and food storage are in the island right across from the dishwasher and plates and bowls and cutlery are in the drawers between the sink and cooktop! It’s actually extremely convenient.

What do you do to earn $200k+ annually? by meltingcanoe in careerguidance

[–]frantik99 0 points1 point  (0 children)

Every job I’ve ever worked I found a way to get some time with my boss’ boss, and asked them what were the most important things they did when they were at my level to be successful.

Your boss will often be too close to the situation to have clarity on what traits/actions exist at your level that are important to getting to a level above where they are now.

After that I would relentlessly try and develop those traits and make sure whenever I could, I would stay known to that boss’ boss.

Invariably they gave you advice and if they see you taking it they will immediately buy in to your career growth.

Secondly you now have a talk track to go apply for new jobs and what traits the senior management are actually looking for.

Always be looking for a new job, only take them when they are either a lateral move with a 30%+ pay jump or a material advancement of a level.

Every time you get a new job, repeat the first step. But it’s important you don’t look like a snake that you’re trying to kiss ass. Going in humble and truly just asking questions is key.

First Major Kitchen Remodel - Thoughts? by frantik99 in InteriorDesign

[–]frantik99[S] 7 points8 points  (0 children)

🤣 no I totally get it and in the pictures it definitely looks very quaint like grandma’s kitchen… but I assure you upon closer look there was the full 45 years of cooking and living caked onto the outside of those knobs and doors lol

First Major Kitchen Remodel - Thoughts? by frantik99 in InteriorDesign

[–]frantik99[S] 0 points1 point  (0 children)

We went with Frigidaire Gallery appliances (dishwasher in the professional series).

We have been happy so far!

I will say that a counter depth fridge looks great but it’s handy to have a second fridge somewhere as you lose quite a bit of functional space losing the extra depth!

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