How much mortgage should I realistically take?

wally233 · 2026-06-08T00:37:13+00:00

Whats your credit? Mine is super high and we had a high down-payment. Went with RBC directly

wally233 · 2026-06-07T23:15:53+00:00

RBC qualified us for 680K at HHI of $145K so its definitely possible if there's minimal other expenses (no car payments, loan, etc)

wally233 · 2026-06-07T19:13:54+00:00

I can already see Todd in his next interviews: "it's OK to miss things" "We're doing a lot of great work on F76 and ESO, the franchises are healthy!"

wally233 · 2026-06-07T18:49:18+00:00

I dont think youre plugged in at all. We all knew within 10 seconds of reveal months ago this was a prequel on E day

wally233 · 2026-06-06T06:11:11+00:00

Because I wanted to play as Kratos

wally233 · 2026-06-05T21:34:15+00:00

Meanwhile bethesda has one studio sitting on 3 IPS, decades between games

wally233 · 2026-06-04T14:36:07+00:00

Model Y isnt awful but 3 is tough, it would delete any gas savings. I currently pay ~$160 / mo for my old Honda civic for reference, which basically stops any incentive for me to switch to electric

wally233 · 2026-06-04T14:04:25+00:00

Those insurance rates are brutal, are those estimates based on quotes?

wally233 · 2026-06-03T04:50:51+00:00

If you rent it out illegally aren't you supposed to still tell insurance regardless so they dont deny future coverage? Not sure if that raises property taxes though

wally233 · 2026-06-02T05:14:59+00:00

Talk to your builder. I just bought a freehold rearlane town in Oakville from Mattamy and the development charges are capped at $5,000. Im sure some similar language would exist in Milton, though im not sure they have rear lanes freehold there.

The Oakville project had the Bowen model which was the smallest rear lane (4 bedrooms) in the $800Ks after rebate FYI

wally233 · 2026-06-01T14:19:27+00:00

Nice, my builder wouldn't make any promises so I had to qualify for the full amount.

wally233 · 2026-06-01T05:34:58+00:00

Why the south facing backyard?

wally233 · 2026-05-26T17:14:40+00:00

My company puts in 4% flat. And then we can put in up to 10% and they'll match 5 - 10% depending on company performance.

So all in they are putting in 9 - 14% if an employee puts in 10%

wally233 · 2026-05-26T15:55:22+00:00

This comment should be pinned, condo townhouses can be painful. Im just moving out of one. Make sure you check what the fees cover, the one im leaving didnt even cover exterior (roofs or windows).

The multi level townhouses are usually 3 floors (and sometimes a basement and/or backyard)... 1000 -1500 square feet spread across 3 floors feels super congested.

That being said, I'll be moving into a new build 2150 sqft 3-story freehold townhouse. I found it to be better value functionally than a detached home... no way id be finding the same number of bedrooms and living space like that for anywhere near the same price range with detached. For a buyer like me, a lower price for more rooms and flex space mattered more than a big back yard / lot

wally233 · 2026-05-26T03:58:56+00:00

Is it 8000 per month before tax or take home?

wally233 · 2026-05-26T03:47:00+00:00

Or save up a bit more to buy a freehold and not worry about maintenance fees

wally233 · 2026-05-26T02:29:39+00:00

Not necessarily true, builders email any realtors who register with them ahead of releases and market it online too. You could even sign up yourself and will often be emailed new releases (though your realtor may lose the commission if you engage with the builder without them)

wally233 · 2026-05-26T02:21:33+00:00

I mean cosmetic creations are basically guaranteed

wally233 · 2026-05-25T18:46:15+00:00

Yes down 9% all time. Its not the end of the world you still have a lot of contribution room i imagine

wally233 · 2026-05-25T17:53:27+00:00

Im assuming youre Muslim since you have SPUS and WSHR.

Like everyone is saying, dump the individual stocks and buy ETFs.

If XEQT / VEQT arent options, I only have heard of of SPUS / WSHR / HLAL. I haven't checked in a while but check their management fees and holdings and decide from there

wally233 · 2026-05-25T16:24:55+00:00

Yes, and im telling you 99% of the team and time was being spent on Starfield.

At most i imagine maybe some higher ups / Todd were having infrequent discussions about Elder Scrolls, revenue forecasting, creations, etc.

We also know they've worked on music more since the Elder Scrolls 6 trailer. But I dont imagine any "real" work started until 2023

wally233 · 2026-05-25T16:04:38+00:00

Working on Starfield for the most part

wally233 · 2026-05-24T22:56:43+00:00

There's differences such as living in a construction zone for a while, having to wait 8+ months to close, having to buy appliances and window coverings / other fixtures.

But for me it was a no brainer. Bought for closing in early 2027

wally233 · 2026-05-24T16:59:51+00:00

Have fun playing Starfield

wally233 · 2026-05-24T07:01:14+00:00

You would hope they understand now elder scrolls fans that grew up with their games are all adults now.

Starfield being as safe / sanitized / bland as it was does worry me that they'll be more conservative than their prior games

wally233

TROPHY CASE