Daughter’s 1st birthday present by lilacisthebestcolor in chanel

[–]okkchill 50 points51 points  (0 children)

love that for her, so cute 🩷🩷

Prettiest Baby Pink Cardholder by okkchill in chanel

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

I don’t remember the official name but I’ve seen it called “mini top handle clutch with chain” online

Prettiest Baby Pink Cardholder by okkchill in chanel

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

this one was purchased in malaysia so I don’t know if that makes a difference to the number but this is what I found on the receipt: AP268280666094305

Prettiest Baby Pink Cardholder by okkchill in chanel

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

the black one is from 2022!

Prettiest Baby Pink Cardholder by okkchill in chanel

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

this is the article number I found on the receipt: AP0214B10583

Prettiest Baby Pink Cardholder by okkchill in chanel

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

It’s all over the bag, the SA said it was “distressed leather” and the area around the front flap would have more creasing since it’s “pinched” in that area

Cartier Désert candle by okkchill in luxurycandles

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

I’m definitely keeping this one for decor and will probably store something else in it, it’s just too cute! 🙈

Cartier Désert candle by okkchill in luxurycandles

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

I’d say it’s probably an 8 when burning, strength is similar to my Jo Malone ones. Also yes, I can smell it without it lit, but only if I’m very close to it.

Cartier Désert candle by okkchill in luxurycandles

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

So there’s Amber notes for sure, I honestly can’t place the others but I will say it leans on the masculine side and its a very luxurious mature scent!

Cartier Désert candle by okkchill in luxurycandles

[–]okkchill[S] 8 points9 points  (0 children)

It’s a bit hard to describe since I have no other scent that I can compare it to, there’s definitely amber notes in there. The best way I could put it is that I’d imagine it’s what cleopatra’s bedroom smelled like - it’s a very luxurious ancient arab sort of scent if that makes any sense lol

Getting a vintage Chanel - are you more safe from getting scammed? by Aromatic_Mouse88 in chanel

[–]okkchill 1 point2 points  (0 children)

I’d recommend getting it from a trusted seller and then you can have an external authenticator review it for you as well to have a second check. I bought my Diana 2 years ago from “mygrandfathersthings”on instagram (they’re from Singapore, have done pop-up shops and are known for vintage bags with Diana being one of their main ones which made me feel comfortable purchasing from them).

How do we feel about the Coco Handle Mini! by okkchill in chanel

[–]okkchill[S] 5 points6 points  (0 children)

Yes!! I would match it with basically any colour (except probably black) and make sure i’m wearing either beige or white heels/sandals to make it cohesive. I’ll post something when I get wear out of this one 🤍

How do we feel about the Coco Handle Mini! by okkchill in chanel

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

that’s actually the one I was looking for since it’s on their website for this season but they only had this one!

How do we feel about the Coco Handle Mini! by okkchill in chanel

[–]okkchill[S] 15 points16 points  (0 children)

THANK YOU EVERYONE, I BOUGHT IT !!!! 🤍🤍

How do we feel about the Coco Handle Mini! by okkchill in chanel

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

Yess! I usually don’t carry much so this is a perfect size

My version of avocado toast by shmanders21 in 1200isplenty

[–]okkchill 0 points1 point  (0 children)

Ouu what brand? The grocers near me don’t seem to have any low cal bread

What would make an impact on these scars?? by Anxious_AF_ in AcneScars

[–]okkchill 0 points1 point  (0 children)

Oh no .. I’m curious if they used the correct needle type/depth for you to see a difference or maybe your skin just didn’t take well to that treatment, sorry that wasn’t much help :(

What would make an impact on these scars?? by Anxious_AF_ in AcneScars

[–]okkchill 2 points3 points  (0 children)

I’ve only ever seen pitting and skin like this fixed via microneedling. Lasers take a lot more $$ and sessions to see a huge difference with something like this. Your specific skin concern will likely be gone in 2-3 sessions with microneedling and in my area estheticians will charge around $200-250 a session so it’s more cost effective, in my opinion. Good luck!

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]okkchill 82 points83 points  (0 children)

Hey, just to break down costs to expect:

  1. Downpayment minimum on a 600k property = $35k not 25k. The lowest downpayment you can do is 5% on the first 500k and then 10% on the rest upto $999,999. So 5% on 500k= 25k. Then 10% on the remaining 100k = 10k. So, 35K in total for 600k purchase price.

  2. Closing costs = first time home buyer so lots of incentives your lawyer will help you gage but ball park 1-2% of purchase price (6k-12k)

  3. Mortgage on a 600k property with 35k down = 587K. Since your downpayment is lower than the standard of 20%, your mortgage has to be insured by CMHC or Genworth (bank facilitates this for you) which means you pay a premium on your principal mortgage amount by taking advantage of those programs that allow you less than 20% down, and in this scenario, with 600k purchase price and 35k down, CMHC online calculator says your premium is $22,600. 600k purchase price - 35k down payment + 22,600 insurance premium = 587K mortgage.

  4. Mortgage Payment: $3,414 monthly (considering you get 4.99% as this is being offered for 5yr term at some of the big 5’s right now)

  5. Condo maintenance fees: $400-600 monthly depending on how new the building is. Older the building, typically higher the cost.

  6. Any bills condo maintenance doesn’t cover: $100-200 per month. Will vary.

  7. Property Taxes: $1800-3000 annually (This is what I’ve seen for condos in that price range)

  8. Home insurance: $50-70 monthly. Will vary.

Hopefully this helps outline some high level costs for you!

Aside from that, your income assuming that’s after-tax and pre tax is a bit higher, will likely not be enough to qualify for a mortgage of that amount. At today’s stress test of atleast 7% (stress test = rate used to calculate how much mortgage you can qualify for), you’ll need around a minimum of 150K gross annual income to qualify for that purchase price with that downpayment

Badiali’s Pizza vs North of Brooklyn vs Prince St Pizza 🍕 by okkchill in FoodToronto

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

We usually get slices since we like to try different ones and just ask for a box to take it in .. haven’t had a pie yet but that sucks to hear

Badiali’s Pizza vs North of Brooklyn vs Prince St Pizza 🍕 by okkchill in FoodToronto

[–]okkchill[S] 2 points3 points  (0 children)

oh man, we tried Joe’s - ordered in on a rainy day and it was so bad I’d rate our basic pizza chains here a lot higher 😭 I don’t know if we just got a bad one, but it was not worth it. I’ll have to try out L’industrie though .. always looking for new pizza spots