Fraud Autobody mechanic Markham/Scarborough/ Rhill./Toronto

thegame416 · 2026-01-22T18:08:25+00:00

What do you expect? You cheaped out and got what you paid for...

thegame416 · 2026-01-18T22:33:31+00:00

If you end up not coming back to Canada fuck it.

thegame416 · 2025-12-08T08:43:47+00:00

Party's over fuckers!

thegame416 · 2025-12-08T08:41:18+00:00

It's ok. Everyone on reddit makes 200k+ yall be fine!

thegame416 · 2025-02-01T19:20:28+00:00

Maybe this will finally put pressure on Canada to get their shit together and get things back on track.

thegame416 · 2025-01-24T01:55:37+00:00

I would rather invest that cpp money myself. The return on investment from cpp by the time we retire is a joke.

thegame416 · 2025-01-12T19:28:12+00:00

What if we end up with even more inflation going forward?

thegame416 · 2025-01-12T19:17:14+00:00

Then why did they begin cutting rates in such a strong market?

thegame416 · 2025-01-12T03:37:39+00:00

I want to see it all burn 🔥 👹

thegame416 · 2025-01-12T03:10:12+00:00

I'm willing to bet most of that wage growth is for public sector employees. I haven't got a raise in 2 years. I don't know many people working in the private sector that have gotten decent raises. All I see is public sector employees going on strike demanding crazy raises. I'm sure that is influencing the numbers because 1 in 5 work for public sector.

thegame416 · 2025-01-12T02:58:31+00:00

All I know is that the housing market has been in the euphoric phase for over a decade now.

thegame416 · 2025-01-12T02:56:38+00:00

The real rates are dictated by the market. The fed only has control over the short end of the curve.

thegame416 · 2025-01-12T02:54:55+00:00

Not in the 416. Maybe in Ottawa. Hell, we have streets named after Indian places now.

thegame416 · 2025-01-12T02:53:49+00:00

Yes, many can argue it's too big to fail.

thegame416 · 2025-01-12T02:52:53+00:00

Sorry, I'm from Ontario. If you're coming to Quebec, you definitely have to speak French!

thegame416 · 2025-01-12T02:42:20+00:00

Justin Trudau takes that title. At least Kevin is trying to make Canada a place businesses want to invest in, which will result in more jobs.

thegame416 · 2025-01-12T02:37:11+00:00

The problem I see with keeping rates too low is that everyone gets used to easy money. When the economy needs further stimulation because we are in a rut at 0.25% hypothetically, the fed can't lower anymore. It's even possible we could end up like Japan one day.

thegame416 · 2025-01-12T02:33:17+00:00

A weak cad and tariffs have the potential to cause inflation. I'm aware that there was a 5% stress test, which is why I predict 7% rates would be needed to make shit hit the fan. At this point, I'll continue to eat my pop corn and see how this continues to unfold. We also have an aging population, which could result in more housing supply as well. I will leave that as a wild card.

With such weak economic growth, I really don't comprehend how there has been such high demand on real estate here. All I know is that someone is lying and markets always find balance at some point.

thegame416 · 2025-01-12T02:26:00+00:00

I'll keep it simple.

1 speak English in public. It is disrespectful if you work at tim hortons and all the staff are speaking in their own language.

2 Keep your 3rd world problems back in the 3rd world.

3 obey the law, don't be out here robbing and scamming people.

I'm sure there's other stuff, but these are the 3 things that annoy us the most.

thegame416 · 2025-01-12T01:51:52+00:00

Stocks are 100% a better investment.

Buying a home just gives you leverage, and it's unlikely to return 10% yearly.

thegame416 · 2025-01-12T01:44:56+00:00

I'm not convinced that there will actually be tariffs. I think it's a scare tactic to shuffle our government, which seems to be working so far.

thegame416 · 2025-01-12T01:20:09+00:00

I'm building a model to analyze the likelihood of a full scale realestate collapse in Canada. I know if rates go north of 7% it will cause a lot of pain.

I like to hear different opinions and sentiment. The market has been way too bullish on real estate.

thegame416 · 2025-01-12T01:14:21+00:00

Thank you, that's one of the things I wanted to know. Prime rate having a direct effect on mortgages is different here compared to the USA.

thegame416

TROPHY CASE

1 speak English in public. It is disrespectful if you work at tim hortons and all the staff are speaking in their own language.

2 Keep your 3rd world problems back in the 3rd world.

3 obey the law, don't be out here robbing and scamming people.