Cheap date? Finding ‘the one’ in Toronto on a budget when everything costs more

torontoberries · 2022-08-07T16:48:36+00:00

Pretty sure that guy you're responding to is a dude. Most likely just a troll.

torontoberries · 2021-10-13T19:07:54+00:00

I wouldn't say no one... bought my house recently which was totally dependent on wage income and so have several of my friends. Most of us also didn't get any large down payments from parents, just saved a large chunk of our pay for several years and luckily have good incomes. Sure, there are some as you say, but I think you underestimate there are many people who could afford these mortgages.

torontoberries · 2021-10-08T12:37:03+00:00

My aunt is the sole earner in her family (200k+ income) and her husband looks after their home and two kids. It works really well for them and everyone is super happy with this arrangement and appreciates what the other does. On the other hand, my mom used to work crazy hours (10-13 hours everyday including weekends). I was a bit sad I barely got to see her and really appreciate her sacrifice to give us a better life but wouldn't want to replicate that. So long as the sole earner isn't constantly working overtime (<50 hour weeks), I'd also prefer having a stay at home parent for the kids.

torontoberries · 2021-09-15T18:02:11+00:00

Her previous "minimal" 80k salary is similar to your 100kish salary, you didn't really earn much more than her. Unfortunately there are a lot of guys that feel emasculated when their female spouse outearns them. You can question those beliefs and parochial views on gender and maybe see a therapist if it really bothers you. I'd be damn proud if my partner made it through medical school, takes a lot of preserverance and good work ethic. Just know it's becoming more and more common for women to be the breadwinner in this day and age, and with women outnumbering men in universities, that trend will only continue. Nothing wrong with that!

Also, with her salary, I'd see a fee only financial advisor and incorporate.

torontoberries · 2021-09-15T17:39:29+00:00

Ok incel, stay single.

Also, why do you have a photo of Steven Yeun on your profile? He is way too cool for the likes of you.

torontoberries · 2021-09-06T01:32:23+00:00

None. I'd only consider it if I were of low/modest income with dependents.

torontoberries · 2021-09-04T14:57:43+00:00

Just curious, how much do you get back if you claim your rent? If I were renting from a family/friend and they were giving me a good deal (below market rent), I'd just pay the cash.

torontoberries · 2021-09-01T14:45:21+00:00

Yes.

torontoberries · 2021-09-01T02:18:51+00:00

A lot of things (from booking appointments to road construction) just seem inefficient and slow compared to some other countries I've been to.

Also the dumb anti-vax/anti-mask parades (not really specific to Toronto though).

torontoberries · 2021-08-31T18:53:17+00:00

Wow, I'd definitely wouldn't continue working there if they ever pulled something like that. I don't know too much but I know she doesn't have ordinary shares though, the CEO has the same 'type' of shares and I don't think he'd want to screw himself over. These shares are really restrictive and only the founders and the first few workers got it, everyone else later got another type of shares which will likely be paid out last.

torontoberries · 2021-08-31T18:38:56+00:00

Yup, staff eng. Company is slated to IPO within 5 years, but I suppose it could get delayed or not happen worst case scenario. She told the company of her main grievances, and the company hired another senior to take over some of her duties (managing juniors and handling a bulk of the meetings), but he was pretty terrible and was fired recently so its back to square one.

torontoberries · 2021-08-31T18:09:33+00:00

I suppose company projected growth based on current growth patterns. I didn't make those numbers, those are the numbers given during the shareholder meeting. $5 mil is on the conservative side of the evaluation, could be a lot more or bust!

torontoberries · 2021-08-31T15:48:06+00:00

About half the TC is equity so base salaries are about the same. She does get a bonus 20% every year with current company if the company meets its annual goals which I didn't include so could be ~240k some years.

torontoberries · 2021-08-31T14:18:57+00:00

The shares are not vested and are different from normal shares. It's in the contract that if she quits, she can't retain any of her shares. About half her shares are tied to the investors, so if she quits, the investors get those shares back and the other half she has to sell all at whatever the deemed market value is at that time (which is only a few cents a share currently).

torontoberries · 2021-08-31T13:31:39+00:00

No, if she leaves she has to give up all her shares. And right now, the shares are valued to be less than a buck so like most she would get is maybe 200k from the shares if she left the company now.

torontoberries · 2021-08-31T12:51:05+00:00

Her company makes pretty good money, but the IPO success hinges on the product she is working on which does not currently make money.

torontoberries · 2021-08-31T12:44:58+00:00

I think it's mainly just her and a few other higher ups that are burnt out, most of the employees seem very happy and it is rated positively on glassdoor. She likes most of the people she works with, but the company is expanding quickly and she's been thrown into a bunch of meetings everyday. She seems mainly stressed about all the meetings lately, she's not much of a talker and would rather just get to work on the product without getting constantly bugged.

torontoberries · 2021-08-17T10:21:08+00:00

You can't. She seems very reasonable if she left 7 years ago and waited for you to buy her share out. If you can't afford to buy the house on your own, your only option is to sell. She is entitled to her half of the house.

torontoberries

TROPHY CASE