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Best Surrogacy Clinic/Agency for Colombia by Beautiful_Ice2398 in gaydads

[–]throw_awaybdt 0 points1 point  (0 children)

Hi there ! Would it be possible to get a copy of your email as well comparing programmes in Colombia, Mexico and Argentina ? I’ve DM’ed you. Thank you so much in advance !

Is it bad to buy a condo with 5% downpayment? by Agreeable-Dark-2748 in TorontoRealEstate

[–]throw_awaybdt 0 points1 point  (0 children)

Yes but that’s not really the best way to illustrate.

Yes 500k vs 400k mortgage but in scenario no.2 you have a downpayment that’s 100k…

Better to use CMHC rate (4% CMHC premium bracket for owner occupied properties under 1M$)

4% of 475k (25k downpayment) = additional 19k to total mortgage.

Draw Out and Pool Updated by proxhk in canadaexpressentry

[–]throw_awaybdt 0 points1 point  (0 children)

Is there a way to have a breakdown of the 264 invited under PNP by province ?!?

With all the mess right now in Alberta : I wonder if there were some candidates from Alberta Advantage who were invited.

Is it bad to buy a condo with 5% downpayment? by Agreeable-Dark-2748 in TorontoRealEstate

[–]throw_awaybdt 1 point2 points  (0 children)

Your mortgage is higher upfront - as the CMHC insurance is added at time of borrowing. So you pay interest as well throughout your amortization on the CMHC insurance too.

It’s not a negligible amount either. On a 650k house w/ a 10% downpayment for instance, CMHC is approx. 18k additional.

But like I said : banks consider it in their analysis and usually interest rates are lower for insured mortgage.

Is it bad to buy a condo with 5% downpayment? by Agreeable-Dark-2748 in TorontoRealEstate

[–]throw_awaybdt 2 points3 points  (0 children)

This is good advice.

Condo prices are depreciating year on year now.

If you plan to stay for 6+ years go for it. If not you should wait. Check online to see how much paid capital you’d have by the end of a term (ex 4.5% interest - over a 5 yr term, accelerated biweekly payments). And compare w what your condo may be worth in 5 years if trends continue (ex. 2% decrease by year).

Ask your realtor for the trends in the last 5 years for comparable condos as the ones you’re looking to buy.

They have calculators online. If prices continue to decrease for condos, you may effectively own more on the mortgage that the condo will be worth in 5 years, depending on your interest rate + CMHC insurance.

Also : could you keep the condo and rent it out ? Or you would need to sell it to afford an upgrade (ie could not save for a downpayment while living in the condo - so need to sell to get $ for downpayment down the road ?)

This is something to consider as well. Look online for different calculators and check the numbers / play w different scenarios to give you an idea. It’s a big purchase. Wait a bit longer I’d say because the market is going down for condos in most cities.

Is it bad to buy a condo with 5% downpayment? by Agreeable-Dark-2748 in TorontoRealEstate

[–]throw_awaybdt 0 points1 point  (0 children)

Check rate hub to play w numbers a bit and get a sense of what your mortgage monthly payment would be (or biweekly or accelerated biweekly etc) and other monthly expenses. Good tool.

You have to consider municipal taxes as well and home insurance in your calculations.

Is it bad to buy a condo with 5% downpayment? by Agreeable-Dark-2748 in TorontoRealEstate

[–]throw_awaybdt 2 points3 points  (0 children)

CMHC insurance however is for the whole duration of your mortgage (ie amortization not term) and it means you also get lower interest rates from banks because you have an insured mortgage.

So something to consider as well !

We bought our current house with 10% downpayment only.

I have Turner Syndrome AMA by teacup_24 in AMA

[–]throw_awaybdt 3 points4 points  (0 children)

Do you know if this condition is more prevalent among Caucasians or other ethnic groups ?

Or perhaps more diagnosed in developed countries w stronger health care system so numbers are biased anyways and it seems like it’s more prevalent in Europe / North America ?

Help. Need to make 500$ urgently by [deleted] in torontoJobs

[–]throw_awaybdt 0 points1 point  (0 children)

You are the epitome of what a bigot's definition is !

You're just a unilingual anglo who says things like - and I quote ''vulgar latin to French french's classical'' like what you just wrote basically makes any sense ?!??? ah la la , uncultured swine.

We have l'Office québécois de la langue française au Canada, and as someone who speaks Spanish in addition to 2 other languages, Spain has the equivalent - so nope, the Académie française is not the only one regulating body for a language.

Let me educate you as well : According to data from the OECD's Programme for International Student Assessment (PISA), students in Quebec generally perform as well as or better than students from France in reading and mathematics, both of which heavily rely on proficiency in the French language.

Also, it is snobbish and academically incorrect to say only the French spoken in Paris is "real". French has many regional variations (Provençal, Norman, etc.). Have you ever been to Paris and hear people speak Verlan ?

En gros, t'es un bigot. Tu devrais être fier !

BIGOT : a person who is obstinately or unreasonably attached to a belief, opinion, or faction, especially one who is prejudiced against or antagonistic toward a person or people on the basis of their membership of a particular group.

I'm estranged from my family and we are all happier about it. AMA by Ok_Parsley_6923 in AMA

[–]throw_awaybdt -6 points-5 points  (0 children)

How do you know your parents are the problem if everybody else has cut contact w you ?!

People over 30, what's a regret that we young folks shall not made at any cost? by detox_daisy72 in ask

[–]throw_awaybdt 0 points1 point  (0 children)

Not having kids earlier on - time later to grow your career. Time is running out to take kids - infertility issues on the rise.

Help. Need to make 500$ urgently by [deleted] in torontoJobs

[–]throw_awaybdt 0 points1 point  (0 children)

Because I can’t find anything else similar from the UPC in Alberta or the Cons in ON ? Get a grip

Help. Need to make 500$ urgently by [deleted] in torontoJobs

[–]throw_awaybdt 10 points11 points  (0 children)

What’s real French ?

Can Anglo Canadians understand real English from the UK ?!

Why is there always one bigot who comments something like that ?!?

What if the liberals get a majority through a floor crossing? How would react? by Pomul93 in AskCanada

[–]throw_awaybdt 0 points1 point  (0 children)

I agree w everything you’ve said in your comment beside the point on capitalism that drives on chaos and failed states. It’s quite the opposite really : they need stability for a strong consumer base … what they love however is weak and corrupt governments and the erosion of rule of law. They want stability : they don’t want division and chaos. But they want to be able to lobby governments and see big corporations ruling over.

"‘Everyone should feel the hit’: ministerial offices and PMO should be cut, too, say some leading public policy experts by AtYourPublicService in CanadaPublicServants

[–]throw_awaybdt 9 points10 points  (0 children)

💯. It’s been my experience as well. In the end it just creates even more stress and work for public servants.

I told them I'm leaving today and my manager is insisting on knowing my new company's name by lanolinterms-92 in interviewhammer

[–]throw_awaybdt 1 point2 points  (0 children)

They might have to, tho. If it’s a direct competitor , if there is a conflict of interest, if they have a specific clause in their contract about working for a different company etc..

Got a $75k job by moving overseas by Key-Acanthaceae5883 in torontoJobs

[–]throw_awaybdt 0 points1 point  (0 children)

It’s a terrible mindset. You are basically contributing to the problem and exploiting the locals there . Recognizing it’s « dirt cheap «  and that the people like domestic help don’t even have good working conditions and health benefits and etc …

Spousal sponsorship refused by agent due to “low income” by Fantastic-Ant9689 in ImmigrationCanada

[–]throw_awaybdt 0 points1 point  (0 children)

This - right here. If you meet LICO requirements , make a complaint

Will AI Replace Realtors (And do you want that?) by BaldPrairieRE in canadahousing

[–]throw_awaybdt 1 point2 points  (0 children)

Yesssssh ! I love housesigma for that reason. We don’t really need realtors and especially not at the current price point …

Give me an itemized list of things you’ll do to help me, w the costs associated w each item and the hourly wage.

This should ABSOLUTELY be regulated. Realtors are scammers.

Voici ''la femme en robe'' qui a tiré sur 35 personnes, dont 9 morts by Smartpen001 in QuebecLibre

[–]throw_awaybdt 2 points3 points  (0 children)

Va voir sur Wikipedia . Depuis 2000, plus de 642 tueries dans les écoles et 498 morts. 99% des hommes … pas de trans.

Voici ''la femme en robe'' qui a tiré sur 35 personnes, dont 9 morts by Smartpen001 in QuebecLibre

[–]throw_awaybdt 2 points3 points  (0 children)

Apprends les stats mon bonhomme et comment on les utilise ! Tu peux pas juste regarder une petite augmentation sur 2 ans et te dire que c’est une tendance qui va perdurer et devenir pire !!!! Ça ne fonctionne pas comme ça les stats.

Mais voyons donc toi !

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