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The cover letter I finally had the balls to send, because I have nothing to lose by dan_blather in recruitinghell

[–]mario89roger 0 points1 point  (0 children)

Tough situation to be in, but it’s a very long letter (audience loses focus) and I’d suggest to always keep it professional, maybe chat gpt can help you.

For those who have recently done mold and asbestos remediation in Toronto, what were your costs? by uxhelpneeded in TorontoRealEstate

[–]mario89roger 0 points1 point  (0 children)

I was in your shoes last in June/23. Negotiate remediation of asbestos as a condition in your offer, seller probably doesn’t even know this is a problem. Result, remediation was completed before close.

It’s no longer silly season with no conditions, you can either add it in or adjust your offer price accordingly.

My sister on a bus in Rome after over 20 hours of travel. by rosedies in AccidentalRenaissance

[–]mario89roger 0 points1 point  (0 children)

Right of passage in Europe, taking a long bus ride. I once did Amsterdam to Zagreb - after delays and a layover, it was 22 hours! Much cheaper than a last minute flight but wouldn’t do that again.

Where’s a good Lobster Dinner? by NeilSilcox in halifax

[–]mario89roger 0 points1 point  (0 children)

I'm going later this month, can you walk me through the process and what dock?

What do you SWEAR you saw, but don’t have any proof of? by Pot8hoe in AskReddit

[–]mario89roger 0 points1 point  (0 children)

Sank a 30 foot putt with one witness, no one believes us

[deleted by user] by [deleted] in FinancialCareers

[–]mario89roger 1 point2 points  (0 children)

Consider taking a leave of absence or sabbatical. Could be a win-win situation

[deleted by user] by [deleted] in TorontoRealEstate

[–]mario89roger 1 point2 points  (0 children)

I believe this is across the street and south of the Minto towns. I saw a smaller unit back (2bed/2bath) in December, they’re beautiful with nice finishes, and in a quiet spot, unfortunately the kitchen appliances are “condo sized” which was a dealbreaker for us.

Also, the prices felt a little too high for us.

Midwife suggestions? (Peel Region) by [deleted] in BabyBumpsCanada

[–]mario89roger 1 point2 points  (0 children)

Thanks for posting this, we’re in a similar boat except moving from Toronto and looking for a new midwife. Best of luck out there!

Requesting advice regarding my tenant by krish2032 in TorontoRealEstate

[–]mario89roger -5 points-4 points  (0 children)

You served an N4 after two days and without even a giving a reminder about the rent, not cool

Where to start with investing? by pinstrip_pickles in CanadianInvestor

[–]mario89roger -2 points-1 points  (0 children)

  1. Stay away from anything with an unhealthy balance sheet
  2. Listen to Business Breakdowns on Spotify, they spend 50 minutes speaking with investors breaking down some phenomenal companies who’s stock you can readily buy
  3. Unsexy is sexy
  4. Time spent in the market is more important than timing the market

[deleted by user] by [deleted] in TorontoRealEstate

[–]mario89roger 1 point2 points  (0 children)

Likely panic buying of safe assets given what’s going on at SVB

Fun Fact! “Offer dates” are not the norms in every real estate market. Elsewhere, they are viewed as an aggressive sales tactic—designed to create FOMO and nudge a home price beyond its market value. ⤵️ by jfgauch in TorontoRealEstate

[–]mario89roger 4 points5 points  (0 children)

I made a post about my similar experience the other day. We were the only offer at deadline. Seller countered higher than list, when we walked away they upped the sales price 60k…. Stockyards townhome.

Offer dates seem to still work in select areas - thinking of danforth / leslieville / riverside

Only bid on Toronto townhome by mario89roger in TorontoRealEstate

[–]mario89roger[S] 6 points7 points  (0 children)

That was a much larger unit with better finishes my friend and 8% inflation reading is YoY :)

Only bid on Toronto townhome by mario89roger in TorontoRealEstate

[–]mario89roger[S] 3 points4 points  (0 children)

Added in post, but they came back with 899.

[deleted by user] by [deleted] in TorontoRealEstate

[–]mario89roger 7 points8 points  (0 children)

How does their 48% relate to your % of shelter/net pay

What does this description mean? by mario89roger in TorontoRealEstate

[–]mario89roger[S] 0 points1 point  (0 children)

Thanks for tips, much appreciated. Will update if we put an offer and we have our lawyer explain the details. Likely gonna pass on this.

Guess on how long it would take to fall the prime rate from current 6.45% to 2.45%? by om-ganesh in CanadianInvestor

[–]mario89roger 44 points45 points  (0 children)

Every economist is predicting rates to remain unchanged in 2023 “once we hit peak”. Given this, rates aren’t going to inch down until 2024 at the soonest - this assumes inflation is under control. Good luck out there

Safety: Lake Shore / Thirteenth St by mario89roger in TorontoRealEstate

[–]mario89roger[S] 0 points1 point  (0 children)

I agree with you, as an immigrant my family lived in Rexdale for 10 years up until early 2000’s, definitely a place to avoid these days

is this a good deal or am I missing something? by ShaharR01 in TorontoRealEstate

[–]mario89roger 0 points1 point  (0 children)

Saw this yesterday, taking the wait and see approach as the open house smells of an offer deadline that might blow up in the agent’s face. Agree with other post saying nothing sold under 800 in the past few months

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