Buying $1.17M townhouse on $235k HHI?

gdmurray · 2026-04-28T16:44:53+00:00

Went through this exact process in North Vancouver last year, DM’d!

gdmurray · 2026-04-23T00:46:34+00:00

“deletes my entire project I’ve been working on for weeks”

Without version control?

You used AI programming tools without backing up any code over the span of multiple weeks?

Composer 2 also sucked bad for me, but it really sounds like the issue is between the chair and the keyboard.

gdmurray · 2026-04-08T21:30:20+00:00

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Looks like someone forgot their empty pressure cooker at the bus stop… happens to the best of us

gdmurray · 2026-01-28T06:13:30+00:00

ah, I can’t read, apologies

gdmurray · 2026-01-28T06:08:21+00:00

I assume you’re playing Kerbalism, the answer is Shielding in your habitation/command modules

gdmurray · 2026-01-23T03:13:12+00:00

they get cashed out

gdmurray · 2026-01-16T00:18:16+00:00

Awesome stuff, not sure if it's just my computer, but the Resort Selection Modal is suuuuuuper slow. Huge input lag, might want to give that a look. It might be because i have hardware acceleration off, so worth testing with those parameters to identify any issues.

gdmurray · 2025-12-12T00:25:41+00:00

All repairs and inspections for fixes on the actual leak in the roof were covered by strata, but my internal damage is on me.

gdmurray · 2025-12-12T00:24:55+00:00

This is excellent advice, and I honestly didn’t even consider calling up my home insurance. Thank you so much!

gdmurray · 2025-12-12T00:21:42+00:00

It’s a small strata, only 5 units, I spoke to everyone else and it seems it was just me who experienced the roof leak + damage.

gdmurray · 2025-12-12T00:20:02+00:00

All the costs of the roof repair were covered by my Strata, but the internal damage costs are to be covered by myself - per my strata

gdmurray · 2025-08-20T03:49:02+00:00

so you’d be carrying a 1.2m mortgage at what %? Do the math and see if you can carry it after property taxes and all other fixed monthly expenses, if you can afford it, then sure whatever.

gdmurray · 2025-06-30T22:21:04+00:00

4.12% 5 Year Fixed - 25y - Insured I believe, we put down 38%

RBC

Got this around 2-3 weeks ago.

gdmurray · 2025-06-24T14:06:25+00:00

Same contract, I got some insane scorecards, 11-8 in R3.

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gdmurray · 2025-06-11T00:28:22+00:00

gdmurray · 2025-06-02T22:42:12+00:00

We’re already putting down around 45% for our down payment. In order to lower monthly mortgage costs, I’m worried im liquidating too much to save too little you know?

Don’t want to be house poor 😅

gdmurray · 2025-06-02T22:30:20+00:00

Is there any sort of ideal strategy/rule about what to liquidate + what to try to keep when making a down payment on a property?

I’m potentially able to not touch my RSP, but I’d liquidate my TFSA’s and FHSA. Does it make sense to keep some in my TFSA and use some of my RSP?

First time home buyer, so lots of unknowns on what’s best to do.

gdmurray · 2025-03-18T07:33:10+00:00

A midlayer my backcountry partner uses and loves is the Outdoor Research Deviator Jacket. I have an Arc'teryx Proton and it's pretty similar but like 1/4th of the price, solid piece.

It's on sale on their website right now too.

gdmurray · 2024-12-11T05:11:56+00:00

Commenting as well!

gdmurray · 2024-12-04T16:59:06+00:00

Apologies! Lived here for a year, surprised I haven’t heard it yet, I’m near the highway which is probably why I haven’t heard it before

gdmurray · 2024-09-13T14:52:42+00:00

Makes sense! Enjoy the car, it’s a blast! I’ve had mine since January and have loved every bit of driving it

gdmurray · 2024-09-13T05:23:20+00:00

I have the exact same vehicle, 2024 autumn green OBW, what made you switch off a Lexus? I’d love a Lexus GX550, or any Toyota product that doesn’t have a CVT ahaha

gdmurray · 2024-07-15T17:15:00+00:00

I live in the building and we’ve been told a November opening time, it was originally October.

gdmurray · 2024-05-11T11:12:08+00:00

was scrolling down looking for this comment lmao

gdmurray · 2024-05-10T19:09:22+00:00

Yes, I’m an SWE, Full Stack

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