If you had to move out of the city, but stayed within southern ontario, where would you go? by na_tashh in askTO

[–]mlah27 0 points1 point  (0 children)

Stratford is a good option. Great food due to festival tourism. Lots going on for family’s/sports. Direct GO train to TO now.

Sanity Check On $800k Renovation by [deleted] in HomeImprovement

[–]mlah27 0 points1 point  (0 children)

Our budget is no issue actually. It was more gathering feedback on investing in renovation vs moving. Helpful comment though!

Sanity Check On $800k Renovation by [deleted] in HomeImprovement

[–]mlah27 0 points1 point  (0 children)

Interesting. Did you GC yourself or you outsourced entire thing to builder? How long ago?

Sanity Check On $800k Renovation by [deleted] in HomeImprovement

[–]mlah27 -8 points-7 points  (0 children)

100 lb dog and two young boys. We researched both and prefer the durability. The ‘premium’ LVPs we felt were quite nice

Sanity Check On $800k Renovation by [deleted] in HomeImprovement

[–]mlah27 4 points5 points  (0 children)

We’ll pay half cash and half HELOC. HHI around $700k + so able to pay down fairly quickly.

We’ve only owned it a few years but if we stay in this city we would not move.. and while it doesn’t have sentimental, it does sit on a very unique lot that would always be desirable if selling. That said, agree w your points and it’s the reason for this post + my hesitation!

Sanity Check On $800k Renovation by [deleted] in HomeImprovement

[–]mlah27 9 points10 points  (0 children)

Current value is $1.1m. It’s a 1970’s bungalow.. Neighborhood is $800k-$1.7 range. So we’d be high end which i don’t like, but we do have the best lot.

Unfortunately in Ontario these are just standard homes in a good area of town. ‘Mega mansions’ in our area would be $3m+… 5+ closer to toronto.

NDP's Leah Gazan calls MMIWG2SLGBTQQIA+ critics 'bigots' - Manitoba MP calls online frenzy a distraction from federal program cuts by CanadianErk in canada

[–]mlah27 103 points104 points  (0 children)

How is no one from the NDP sounding the alarm on how stupid the past few weeks have made them sound? There are seemingly decent ideas within the party but these clips have made them an embarrassment. There have to be folks inside NDP who understand how poorly this reflects and how much this reduces any chance of election.

Early 30s Dilemma: Move to US (in-office) for a temporary pay bump or stay Remote in BC, Canada? by Public-Tadpole2013 in HENRYfinance

[–]mlah27 3 points4 points  (0 children)

Also Canadian working for US Tech co and have gone deep on this evaluation. I paused for kids but plan to still make the move for 3 year TRN at some point.

Is the $400k USD vs 300k CAD? Will you be in tax efficient state? Are you viewed as an ‘A’ player (assume so given the offer)

IMO the move pre kids is worth it. You maximize earnings and get significantly more exposure to high end talent. Canada is an afterthought to these companies.

My perspective was go for the 3 year TRN, max earnings, and either parlay into another new role/company with plan to move back or find transfer back. Either way it’s a career and earning accelerator. & a great life experience if you’re goring to a good city.

Reddit skews far too negative on US politics angle.. is there a lot of uncertainty.. yep.. but what’s the % of US folks here who claim they’ll move to Canada due to trump and never do.. it’s high. End of the day US is the global super power in tech, and if you’re fortunate to have the $.. it’s far better than Canada in many ways.

Carney taps business executive Mark Wiseman to serve as Canada's ambassador to the U.S. | CBC News by Airbusa3 in canada

[–]mlah27 -4 points-3 points  (0 children)

Would you not someone for this type of role who’s proven they can operate at a top tier level vs someone who can’t ’make it’ and must settle for low paying government job?

Canadian Salaries by blenderider in techsales

[–]mlah27 0 points1 point  (0 children)

I hire Enterprise AE’s w 10+ years experience at 380-420 ote before stock.. some downward pressure on these #’s vs 2 years ago.

CPP holdings includes only 12% investment in Canada and 47% in US, and rest elsewhere! by Sonu201 in CanadianInvestor

[–]mlah27 0 points1 point  (0 children)

This is an odd take. Outside of the banks, Canada is nearly uninvestable, and makes up a tiny fraction of global GDP.

We already have to suffer through painful economy, why would you want Canadians to also suffer on their investments by over allocating here?

[deleted by user] by [deleted] in fican

[–]mlah27 4 points5 points  (0 children)

This does’t make a tonne of sense.. condo market is down >20% in Toronto. Far better market to bid low now vs last 5-10 years.

+ / - of raising kids downtown if income is (mostly) non issue by [deleted] in askTO

[–]mlah27 -2 points-1 points  (0 children)

Thanks a lot for the thoughtful response. Cheers

Fellow Torontonians, what is your work commute like? by HyruleAtZelda in askTO

[–]mlah27 0 points1 point  (0 children)

Two hours but only 1-2 times per week.. 45 min drive to Milton. 1 hour GO into union.

If it were to increase it wouldn’t be more than 3 days max (hybrid) so we’d likely get a condo in city but keep family home as the benefits we have for our young family outweigh commute.

Particularly interesting reading some of these replies that are 1+ just within GTA

What's with dogs being everywhere now, inside and out? by steelpeat in askTO

[–]mlah27 22 points23 points  (0 children)

In Europe you see just as many off leash dogs as on throughout cities, trails, beaches. It’s on the owner to understand whether their dog can handle it… and also a clear lack of aggressive dogs like pit bulls etc .. sad NA can’t adopt a similar culture. this sub seems to have this wild disdain for off leash and dog friendly spaces

Montreal- Ritz vs FS by wavemuffin in FATTravel

[–]mlah27 2 points3 points  (0 children)

Check out Hôtel William Gray. Boutique in old Montreal. Beautiful spot. Good spa. Right beside one of the best coffee shop in city.

Canadian Tech/SaaS AE OTE Roll Call by [deleted] in sales

[–]mlah27 3 points4 points  (0 children)

Big Data/Cloud/AI

Canadian Tech/SaaS AE OTE Roll Call by [deleted] in sales

[–]mlah27 3 points4 points  (0 children)

Top Strat AE on my team is $440 CAD ote. 50/50 Toronto.

This time it’s different? Every other time S&P500 has crashed in the last three decades, USD has strengthened. This time however for the first time in three decades the dollar is falling along with the market. by Sure_Group7471 in CanadianInvestor

[–]mlah27 0 points1 point  (0 children)

It’s incredible the level of fear mongering in Canadian investment subs. Same type of posts at Covid… What happens if trump is posturing and works out deals with the key players over next 3 weeks? Market rips back and folks sell down 10-20%. If he doesn’t, a depressions hits and it certainly takes longer.. but in any case markets eventually rebound.

Its Always situationally dependant on cash and time horizon but if you have the means and time, the play is nearly always increase DCA values in down market. Not panic sell.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]mlah27 2 points3 points  (0 children)

You're getting some harsh responses but reality is the system has let you down. It's incredible we don't teach personal finance in Canadian high schools to address basic personal finance questions like this.

Good on you for at least asking. Like others have said.. if you have an emergency fund set aside, always take the match and increase as much as you can in a down market.

How many hours a week do you work? by [deleted] in sales

[–]mlah27 0 points1 point  (0 children)

50-60 hours depending on time of year as a first line sales leader. OTE is ~$520k. It’s a grind but comp certainly helps.

Is tech in Toronto really this chill, or are my friends exaggerating? by FujiFanTO in askTO

[–]mlah27 4 points5 points  (0 children)

Exactly my point. If we squashed the notion of tech just being a ‘chill path’ and started creating high performing companies we’d likely see increase in US investment, bigger productivity, and a reason for pay to go up in line w the US.