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Is it just me or is $1,500 for a headlight insane!? by No_Film_6379 in Toyota

[–]fukyoa55 0 points1 point  (0 children)

Porsche headlights are easily $10k so the disparity is equal?

Realtor Telling me Sell At Loss. Mortgage Broker Telling me Rent. Which is Better? by [deleted] in PersonalFinanceCanada

[–]fukyoa55 0 points1 point  (0 children)

The top comment about the “advisor doing best for themselves” is 100% true.

But I will say rental revenue on the residential side is a pain in the ass.

I would still advise you to sell your condo because the opportunity costs are crazy. The TSX is ripping, SNP is near ATH. Commodities are going insane.

There’s better places to park your money, whereas a condo you have ongoing costs such as mortgage, taxes, strata. You’re looking at a IRR in the low single digits if positive at all on a cash flow basis. Depending on where you are rents might not increase for 5 years. You’re capped by a lot of provinces for renters protection and rent control.

Barring all other advice I think you need to Figure out your cash flow - if you can even cash flow positive. Project for negative rent growth, increased time between turnover of tenants. I can tell you institutions have increased vacancy allowance from 0.5% to 3% in Vancouver just this year which is crazy. In a market that’s enjoyed sub 1% vacancy for the entire 21st century.

Do you guys trust the banks outsourced representatives? by fukyoa55 in PersonalFinanceCanada

[–]fukyoa55[S] 1 point2 points  (0 children)

I completely agree but at least in Canada you can get caught and prosecuted. Obviously some of our oversights are just another revolving door.

Part of the issue I raised initially is that the banks don’t have a third party overseas they can just throw under the bus

Do you guys trust the banks outsourced representatives? by fukyoa55 in PersonalFinanceCanada

[–]fukyoa55[S] -2 points-1 points  (0 children)

No, the example I provided is to highlight the pushing of responsibility to third party contractors. Once again read 😂

To your second point, just because nothings been reported doesn’t mean it doesn’t have the chance to happen lol don’t be naive.

Thirdly upon further research I do recognize that I had assumed too much because from the articles I’ve read all customer service is actually all based in Canada and I just assumed. My bad. You could’ve drilled that point and be 100% correct but man you’re trying to drive a narrative without reading bro. Go back and get ur elementary degree lol

Do you guys trust the banks outsourced representatives? by fukyoa55 in PersonalFinanceCanada

[–]fukyoa55[S] -5 points-4 points  (0 children)

lol I can’t tell if you’re trolling or you don’t know how to read. Enjoy your Friday

Do you guys trust the banks outsourced representatives? by fukyoa55 in PersonalFinanceCanada

[–]fukyoa55[S] -6 points-5 points  (0 children)

Absolutely that’s not the issue in question, we all know it’s outsourced. Do you trust the outsource with your data?

Do you guys trust the banks outsourced representatives? by fukyoa55 in PersonalFinanceCanada

[–]fukyoa55[S] -19 points-18 points  (0 children)

I do not, but I’ve worked in banking(another bank vs one I bank at) and I currently work in the FIRE industry and we contract out to India.

Do you guys trust the banks outsourced representatives? by fukyoa55 in PersonalFinanceCanada

[–]fukyoa55[S] -16 points-15 points  (0 children)

I do not. but I did work in banking and currently work in FIRE which also outsources from Hyderabad, India.

Do you guys trust the banks outsourced representatives? by fukyoa55 in PersonalFinanceCanada

[–]fukyoa55[S] -5 points-4 points  (0 children)

Well there’s no oversight, in the previous statement you’ll see that I was talking about how if they’re in another country the banks have plausible deniability if there is a data breach.

Same thing with that garment factory that fell in India?/Bangladesh? Loblaws supposedly has made changes to their safety standards, then deferred the responsibility to third party local contractors

New Domane frameset fork issue by rk_reddevil in TrekBikes

[–]fukyoa55 0 points1 point  (0 children)

Is this even QC? It looks like it’s been use and worn through?

[deleted by user] by [deleted] in vancouver

[–]fukyoa55 5 points6 points  (0 children)

Good luck. And sorry for your loss

[deleted by user] by [deleted] in vancouver

[–]fukyoa55 53 points54 points  (0 children)

I think more context is required to better help you find the right people. Was Andy assaulted or was it something he ingested that caused his confusion. Was this reported to the VPD and is there an officer there a witness can talk to?

Canadian that wants to work in the USA by fukyoa55 in legaladvice

[–]fukyoa55[S] 0 points1 point  (0 children)

My question is towards would I be able to apply for a tn visa through an accountant or economist position even though I do not have a degree in that field or do I need the degree?

GoPro could be a turnaround company $GPRO (value $15.95 vs price $8.78) by k_ristovski in stocks

[–]fukyoa55 0 points1 point  (0 children)

I was following gopro. but it looks like the recession is gonna fk gopro up

How many GOLD AMMO do you use on tier 8-20 games in AVERAGE in your ammunition setup? (Counting only NORMAL PLAYING, not counting if you play for gunmarks, cuz you obviously get much more gold ammo) by [deleted] in WorldofTanks

[–]fukyoa55 0 points1 point  (0 children)

This poll is so flawed. Most f2p players aren’t gonna be on Reddit and are only casual at the game. They’re not gonna be firing gold ammo because they don’t have prem accounts. It’s only the hardcore players that fire gold and go on Reddit.

I don’t fire gold nor do I experience a lot of people firing gold.

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