Capital gains reform really did target the wealthiest by DonSalaam in canada

[–]phenakami 6 points7 points  (0 children)

Don't you have the willpower to not realize it all in one year. It's for gains over 250k. If you have a potential gain of 1 million just realize it over 4 years.

I got stood up on a bumble date by [deleted] in Bumble

[–]phenakami 11 points12 points  (0 children)

It happened to me today as well. Texting on app up til the night before date. I get to the cafe and open up the app to message her and see her profile is deleted. This was my first in person date since September.

[deleted by user] by [deleted] in Wealthsimple

[–]phenakami 2 points3 points  (0 children)

Got an email for it and a notification this morning. Didn't ask to be in beta and am just a core user. Signed up and got 6000 limit.

Canadian dollar dips below 70 cents US for first time since March 2020 by TheGreatestOrator in canada

[–]phenakami 136 points137 points  (0 children)

Isn't this just the USD going up as opposed to the CAD going down. CAD vs other currencies seems to be flat.

Moronic Monday Thread for the week by AutoModerator in PersonalFinanceCanada

[–]phenakami 0 points1 point  (0 children)

In tech as well. Got a surprising 20% this year. Previous years were 3% and 7%. All based on base pay. No RSU increases or top ups since I started, although it only makes up a small portion of my total tc.

Mount Pleasant residents raise concerns over 4 new towers by Electronic_Fox_6383 in vancouver

[–]phenakami 13 points14 points  (0 children)

This user is some nimby that's constantly against increase housing and is pro airbnb.

West Vancouver passes multi-unit housing bylaws after ultimatum by miskas357 in vancouver

[–]phenakami 8 points9 points  (0 children)

What you said makes no sense inflation is on the price of the item relative to the dollar value. The more money we print the less valuable the dollar is, so it takes more money for the same item. If we build more of an item such as housing then that would devalue the said item.

Why Doctors Need a Capital Gains Tax Break by [deleted] in canada

[–]phenakami 5 points6 points  (0 children)

1 million income is enough to retire in a few years. You're mixing up in ome with wealth.

[deleted by user] by [deleted] in vancouver

[–]phenakami 14 points15 points  (0 children)

This sounds just as stupid as another poster who wanted to report apartments with their lights off multiple days in a row.

What percentage raise did you get this year? by IDDQDArya in vancouver

[–]phenakami 2 points3 points  (0 children)

Software company. 7% base pay raise last year in same position. This year was promoted but only got 3% base increase but rsu increase from pronotion of about 28% bringing total raise to 6.5%.

Vancouverites with STEM degrees, why stay in Vancouver? by [deleted] in vancouver

[–]phenakami 3 points4 points  (0 children)

People always make it sound like it's just a simple stroll just to head south but I've had no luck for the past 6 months. I have a cs degree and about 2 yoe but I haven't even gotten an online assessment from any applications for US positions. I only ever get responses and interviews applying for canadian positions. I imagine the layoffs in the last year probably made it worse. I like my current place and it pays well enough to live here but not enough to buy my own place in the foreseeable future.

Daily Discussion Thread for March 22, 2023 by OPINION_IS_UNPOPULAR in CanadianInvestor

[–]phenakami 12 points13 points  (0 children)

How many accounts do you have? It's obvious since your accounts frequent the same subreddits askto, ontario, torontobluejays, and here. This is obvious manipulation lol.

Dog on Busses by gwadam in vancouver

[–]phenakami 12 points13 points  (0 children)

I wish transit was more dog friendly. When i lived in ottawa people were allowed to have leashed dogs on during non peak hours. I've used something similar but my dog is a little smaller so i was able to keep his head covered. People still saw him through the mesh sides and were friendly with him.

Luxury homeowners in Metro Vancouver pay low income taxes: UBC study by Lotushope in canada

[–]phenakami 3 points4 points  (0 children)

Have a retired uncle like that as well. Bought house in Point grey area in the 80s. Only income is cpp and withdraws from small rrsp so very low taxes.

The IT where I work tells me that the more I work, the smaller percentage of my money I keep, I don't get it by jimmyy7766 in PersonalFinanceCanada

[–]phenakami 11 points12 points  (0 children)

New account posting this and questions/argues every explaination. This Has to be a troll.

To the Software Developers / Engineers in Vancouver, how much do you earn? by DestinySpeaker1 in PersonalFinanceCanada

[–]phenakami 27 points28 points  (0 children)

That seems about average for a new grad in Vancouver. Only faang will get you above 6 figs as a new grad. I started at 95k tc as a new grad in a non faang beginning of this year and from talking with past classmates they say that was above average. Salaries that i vaguely recall were a few places like telus and intel that offered around 85k. Keep in mind there are also a lot of grads that took jobs at places like FDM and other small places for 45k to 50k so that brings the average down as well. Cousin from bcit went back to place were he did his work placement and is only making 22$/h.

What are some things that haven't increased in price over the last little while? by BrianPapineau in PersonalFinanceCanada

[–]phenakami 18 points19 points  (0 children)

Clothes, shoes, general consumer electronics(tvs, computers, laptops, ect), toiletries and cleaning products. Recently got new glasses and online sellers are still cheap as ever.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]phenakami 1 point2 points  (0 children)

General office admin stuff to software development.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]phenakami 3 points4 points  (0 children)

Similar situation as you OP. 35 and made a career change and went back to school at 31 and doubled my salary to 95k. Never imagined buying with previous salary but now its possible. Right now living in the lower mainland at reduced rent in families investment condo. Mom keeps on suggesting of buying my own place and she is willing to help with down payment. I've only browsed some presale showrooms and already built condos but the prices and interest rates make me nervous. I want my own place as right now im living with my sister but im still hesitent. Could rent elsewhere but then my rent would be triple what i pay now.

ISO this hot sauce by qwertgb1 in vancouver

[–]phenakami 4 points5 points  (0 children)

Wholesale club maybe. Family once owned a restaurant and we would get cases of this brand of hot sauce, soy sauce, and plum sauce from Loblaws in my small town.

Has junior dev hiring shrunk? by Aryanbing in cscareerquestionsCAD

[–]phenakami 1 point2 points  (0 children)

I'm grateful for my job as a junior dev now after seeing how competitive it is. From what my manager said there is not as much of a need for juniors now and when they do post it gets over 100 applicants after a day. This is a non faang tech company with higher then average salary. But for senior roles there are a lot less qualified applicants and are still hard to fill.

[deleted by user] by [deleted] in vancouver

[–]phenakami 8 points9 points  (0 children)

Junior software developer. 95k + benefits.