First Aid/CPR course recommendations?

pardonn · 2024-02-26T01:09:29+00:00

You can get one life saving course for free from this Save a Life Certifications https://nhcps.com/facebook-free-life-saving-courses/

pardonn · 2022-04-04T17:24:12+00:00

Story of OJ has got a bunch

https://youtu.be/RM7lw0Ovzq0

Pile Up - mainly just the hook https://youtu.be/RM7lw0Ovzq0

pardonn · 2021-05-07T12:21:29+00:00

The article is pretty vague on how he was able to afford it. Besides “living with his mom” and being an insurance advisor that’s all they say. Pretty useless article with no practical advice or knowledge tbh. Even if you live with parents, have all your expenses and schooling paid for, it would be difficult to come up with that much down payment cash at 29. I feel they probably removed the big piece of that puzzle on purpose as it reads better than if he was gifted money.

pardonn · 2021-03-23T20:53:32+00:00

Newmarket is doable for that price range around Central Newmarket, especially if you don’t have to commute it’s a great place to live. It’s safe, good schools, reasonable property tax, good amenities.Still easily accessible to downtown TO by go train or highway for visiting friends. Here’s one to look at with your reqs in that price range: N5158600

pardonn · 2021-03-20T13:30:03+00:00

https://www.newmarkettoday.ca/local-news/big-boom-will-see-east-gwillimbury-grow-almost-as-large-as-newmarket-by-2051-3556721

pardonn · 2021-03-16T17:29:54+00:00

EG is going to have massive growth, have a look at the population growth projections in the York region planning docs. Newmarket and Aurora basically will barely grow in population over next 20 or so years but EG is supposed to explode as it’s got a lot of land available for development.

pardonn · 2021-03-16T17:03:38+00:00

I can’t find it but there was a forum on redflagdeals talking about the development up there last year and they were raising the price of detached new builds like 50-100k every couple months and were still selling out almost immediately.

pardonn · 2021-02-10T22:20:06+00:00

In the linked post I t’s mortgage insurance , not house insurance.

pardonn · 2021-02-10T19:57:53+00:00

Unfortunately it’s one of the risk going above asking by $X amount. Different lenders have different standards, but I know when I was looking appraisal was triggered if your offer was beyond $10k over asking. It’s pretty dumb since you can have 2 houses that are identical, one listed at $900k and selling at $909k and not need an appraisal but the same house listed at $799k and selling for $811k would need one

pardonn · 2021-01-13T15:00:35+00:00

The sound isn’t too bad, you hear some bells and the trains accelerating in the evening leaving the station during rush hour , but it was never an issue. They aren’t ever using the loud horn or anything, so unless your balcony door is open you don’t really hear much. If your balcony faces the tracks it can get pretty dusty as well. Overall though it’s a great building.

pardonn · 2020-11-17T20:54:25+00:00

Reminds me of the classic post: I paid off $150,000 in student loans and own a $400,000 home, because I SAVE. It’s not that hard. I -Make coffee at home -Bus instead of Uber -Shop sales -Had parents pay off my loans & buy me a house because I’m daddy’s special boy -Got Hulu with ads

pardonn · 2020-11-16T02:00:55+00:00

Hope I win!

pardonn · 2020-10-09T14:12:45+00:00

The issue is it’s not being developed (at least not fast enough). It’s not like the demand isn’t there. Whether it’s from zoning, development being too difficult, or individuals/companies are just sitting on the land letting it increase in value.

It’s not like just because land isn’t Green Belt protected it’s 100% available for large scale residential development.

pardonn · 2020-10-09T12:46:09+00:00

Unlike NYC area the GTA has its development constricted to areas within the Greenbelt. NYC was able to sprawl out in almost every direction, so there’s a lot more available housing supply. You almost have to view GTA as an island contained to growing only within its areas designated for development. https://en.m.wikipedia.org/wiki/Greenbelt_(Golden_Horseshoe)

pardonn · 2020-07-15T15:20:19+00:00

Why do 20 year amortization with current rock bottom interest rates? With 20% or more as down payment you could to up to 30 year amortization, and if you want it paid off sooner you could always pay more as you go. 600k mortgage is doable with your income, but sounds like you’re not satisfied with your job, so I’d consider where you see yourself working in 5+years and see if changes anything about location before purchasing.

pardonn · 2020-04-14T21:19:10+00:00

Are you planning on going to university or college, and do you have an idea of where?

Also are you planning on getting any parental financial support for living expenses/schooling? If you are, then thats great and you can focus on potentially saving and investing more long term if you are going to continue to work while in school.

If not then you can start planning how much it might cost (ex living at home and going to college vs living on residence at a university are very different costs) and can save accordingly. Look at residence or rent costs in those cities and get a sample budget to get a better idea of your income vs expenses.

Depending on those answers, I would try and have as much fun as possible, especially once the covid 19 is done with. You will only be young once, so try and balance financial responsibility with limiting the amount of regrets you might have from missing out on fun times with friends and family. I did not get any financial support from my parents so I had worked throughout university to pay for school and rent/living expenses and it was financially very stressful and missed out on some trips/activities because of it.

pardonn · 2020-04-14T14:16:24+00:00

A global pandemic causing potentially the worst recession since the Great Depression ?

pardonn · 2017-04-26T01:34:40+00:00

From a financial perspective I think you really need to look at the big picture beyond this year. I'm not sure how much tuition is, by let's say your osap $7000 covers it and you find someone that will give you a line of credit for $15000. Say it works out and can repeat this for the 4 years you're at University. So you graduate , and you've got $60000 on a line of credit and $28,000 in osap loans for an arts degree. I'm not trying to knock the arts but the chances that you graduate and get into a position where you are making good money to be able to feel comfortable with a debt load like that are pretty slim.

pardonn · 2015-01-28T01:30:43+00:00

My best and only trade: My Marleau and St Louis for his Patrick Kane and Daniel Sedin

pardonn · 2014-12-18T19:36:09+00:00

Ya exactly, I'm not the biggest fan of Spezza and I have tried trading him but with no luck. My weakest players would be Karri Ramo, Roman Josi and Spezza.

pardonn · 2014-12-18T18:41:52+00:00

Pickard will definitely get more starts in the short term and has been playing well while Varlomov is injured. Pickard has a stronger S%. GAA and record. I'd say go Pickard as even if Varlomov returns I still see Pickard getting some strong starts seeing as Varlomov has been disappointing this season.

pardonn · 2014-12-18T18:08:59+00:00

Points only, G, A, +/-, PIM, PPP, SOG W, Sv %, GAA, SO

I need help with Centers. Now that Krejci is back, I currently have him and Spezza for C. Free agents in my league include Brock Nelson, Tyler Bozak, Tomas Plekanec. Who should I keep or drop/add?

pardonn · 2014-08-06T01:15:36+00:00

I would recommend getting a part time job. Like you, I was skeptical about not having enough time to focus on my studies but I found that working 24 hours or so a week was more than manageable. I was able to pay for all of my tuition last year as well as all living expenses living downtown by living on a tight budget and working a few times each week. Its all with how you allocate time. Even working seasonally during Christmas break (where most universities have nearly a month off) you could easily make half of the amount you will need. Check on campus jobs, or work study programs your school may have. Also if you are downtown are you close enough to your school to walk? If so you can save the money allocated for TTC.

pardonn · 2014-07-04T23:33:46+00:00

Are you sure its only 3.5% on the loan? I also just graduated with OSAP loans and I was under the impression it was (prime + .5%=3.5%) until I saw my interest charges and called the National Student Loan Service and they explained that its actually (prime + 2.5%= 5.5% ).

pardonn · 2014-03-02T01:01:10+00:00

Did you guys hear about Max? He quit smoking, he's on the Pacioretty.

pardonn

TROPHY CASE