crims you dumb (frank) just use spotify.

ugh.

hey web fam

i'm getting p close to buying by first place

i was wondering if any of you have tips for me

thanks

crims you dumb (frank) just use spotify.

ugh.
- Apples

(frank) spotify

hey web fam

i'm getting p close to buying by first place

i was wondering if any of you have tips for me

thanks
- Lindenis#1

Interest rates are great so it's not a terrible time despite the economy and the ever looming housing bubble in Alberta. Live within your means.

Make sure you have a contingency fund aside from your down payment for things like lawyer fees etc.

Try to have at least 3-4 months of mortgage payments saved by the time you're ready to take possession.

Be aware of any condo fees/responsibilities associated with buying a condo or townhouse. I've worked with guys who got random bills for upkeep in the thousands of the association decides to make a major renovation.

Try to keep your mortgage/property tax/insurance between 20% and 25% of your total incomes.

Interest rates are great so it's not a terrible time despite the economy and the ever looming housing bubble in Alberta. Live within your means.

Make sure you have a contingency fund aside from your down payment for things like lawyer fees etc.

Try to have at least 3-4 months of mortgage payments saved by the time you're ready to take possession.

Be aware of any condo fees/responsibilities associated with buying a condo or townhouse. I've worked with guys who got random bills for upkeep in the thousands of the association decides to make a major renovation.

Try to keep your mortgage/property tax/insurance between 20% and 25% of your total incomes.
- Cape Breton Bruins

The bubble here isn't as terrifying as other parts of the country.

Yes i have extra dough aside.

I talked to my cousin and my aunt about that. She was saying make every deal pending an engineering review and a peep at the building reserve.

Damn i didn't know it should be that low. I'm probs look at 40% as it sits currently :/

The bubble here isn't as terrifying as other parts of the country.

Yes i have extra dough aside.

I talked to my cousin and my aunt about that. She was saying make every deal pending an engineering review and a peep at the building reserve.

Damn i didn't know it should be that low. I'm probs look at 40% as it sits currently :/
- Lindenis#1

indeed, 25% MAX is what you need to go with. very important. higher than that and you will constantly struggle. And that's gon be some extra stress right there. you don't want dat

(frank) spotify
- WaterBoy

thank you

thank you
- -davies-

artists streaming gazillions songs and receive a check for 2468$


Just (frank)ing great.

indeed, 25% MAX is what you need to go with. very important. higher than that and you will constantly struggle. And that's gon be some extra stress right there. you don't want dat
- SourceS.V.P.

i'm viewing a condo Saturday that i'm pretty sure is being sold by a divorced couple who just want to get rid of it so i'm gonna lowball them and see where it goes. comes almost fully furnished

The bubble here isn't as terrifying as other parts of the country.

Yes i have extra dough aside.

I talked to my cousin and my aunt about that. She was saying make every deal pending an engineering review and a peep at the building reserve.

Damn i didn't know it should be that low. I'm probs look at 40% as it sits currently :/
- Lindenis#1

Alberta is not immune to the bubble based on the political landscape IMHO. Also you won't be approved at 40% unless you have a co-signer. 32% was the max when I got mine but of course it could be different now and also with a smaller dollar amount with a condo as opposed to a home with land.

Use caution and read everything. It's a fairly big decision.

Happy hunting homie

Alberta is not immune to the bubble based on the political landscape IMHO. Also you won't be approved at 40% unless you have a co-signer. 32% was the max when I got mine but of course it could be different now and also with a smaller dollar amount with a condo as opposed to a home with land.

Use caution and read everything. It's a fairly big decision.

Happy hunting homie
- Cape Breton Bruins

a friend of mine bought a nicer place than what I'm looking at in Fredericton for less than half the price

I hate them

a friend of mine bought a nicer place than what I'm looking at in Fredericton for less than half the price

I hate them
- Lindenis#1

When I was home a few weeks ago my wife's family had a family reunion. Her aunt(who owns a successful electrical company) recently bought a 6 bedroom, oceanfront home that includes 4.65 acres of land, an outdoor pool and hot tub along with two guest houses on the property for $365,000.

LOL

You might get a older single detached in Edmonton for that with a small yard and 2-3 bedrooms.

When I was home a few weeks ago my wife's family had a family reunion. Her aunt(who owns a successful electrical company) recently bought a 6 bedroom, oceanfront home that includes 4.65 acres of land, an outdoor pool and hot tub along with two guest houses on the property for $365,000.

LOL

You might get a older single detached in Edmonton for that with a small yard and 2-3 bedrooms.
- Cape Breton Bruins

Dude i looked at a few homes with yards and poop. For 300k you get a crack den

My dad just came back from Vancouver. Said a friend of his there paid 1.6 mil for his house. Basically described it as your house without the yard. Like the property line basically ends at the edge of the back deck. 1.6 million. $1,600,000.

Dude i looked at a few homes with yards and poop. For 300k you get a crack den

My dad just came back from Vancouver. Said a friend of his there paid 1.6 mil for his house. Basically described it as your house without the yard. Like the property line basically ends at the edge of the back deck. 1.6 million. $1,600,000.
- Lindenis#1

Read a pretty crazy article recently how Vancouver' housing market is a device wealthy Chinese politicians and businessmen use to launder money because they had a loophole for buyers where a person could apply for a mortgage with the backing of an anonymous person or persons LOL.

They just recently closed the loophole via a mega tax on foreign investors.

That spot is going to have a substantial crisis before long. Toronto too.

Read a pretty crazy article recently how Vancouver' housing market is a device wealthy Chinese politicians and businessmen use to launder money because they had a loophole for buyers where a person could apply for a mortgage with the backing of an anonymous person or persons LOL.

They just recently closed the loophole via a mega tax on foreign investors.

That spot is going to have a substantial crisis before long. Toronto too.
- Cape Breton Bruins

Yeah the tax is 15% now but it won't stop them. Now they'll just get some connection they have in the city to do it.

They need to establish some kind of residency thing. Apparently NY state has something like that for out of state peeps.

My job offered me a position in New Westminster but they offered Richard all in helping me get a house and with the tax increase I wouldn't have been able to buy groceries.

Huge problem for businesses as they can't pay people enough to convince them to move there and they're dying for talent. One of the things that Edmonton/Calgary/Winnipeg and even Regina are banking on is mid size corps having to pull up shop and move their operations base.

I was talking with a guy at hockey and he was saying that a couple companies have relocated out of Toronto and into Winnipeg because their people couldn't afford living there.

Saw an article where a condo developer in Brooklyn was crying poor because "damn millenials don't work hard enough" to make the money to pay 3500 a month for a one bedroom, one bathroom, 500 sq ft condo in his development and he's losing money.

Another guy at hockey was saying the next thing that condo developers will be making are "micro condos" that are like 300 sq ft so they're "affordable". I guess he knows someone out east who was saying thats what their gonna start building in the GTA

apples can you broker a deal that will lead to an itunes app on xbox?

apples can you broker a deal that will lead to an itunes app on xbox?
- Crimsoninja

why are you using itunes are you in 2008?

why are you using itunes are you in 2008?
- Apples

the fuk u using, futureboï™

the fuk u using, futureboï™
- Shutdown

spotify ffs

spotify ffs
- Apples

yeah so i can wake up one day and they no longer have my favourite band's debut album for no good reason

i'd rather rip youtube videos with crims ( i don't do this )

yeah so i can wake up one day and they no longer have my favourite band's debut album for no good reason

i'd rather rip youtube videos with crims ( i don't do this )
- Shutdown

ok well until then i'll keep using it

apples, i bought a cheap HP wireless printer and setup was a nightmare without you.

i got it working though and it seems nice so far.

the dumbasses at my finance department let me change my flights so while I will be in Montreal this week, its only for an hour layover instead of the dumbass overnight from before

This was the conversation

finance "well this flight plan is more expensive..."
me "yeah but it takes two days instead of just one"
finance "Well yeah, but its a more expensive flight"
me "Sure the flight is, but its way cheaper in terms of my time and also the extra 300 some odd bucks for meals and hotel"
finance "okay but the flight is still more expensive"

eventually I talked to someone who wasn't a (frank)ing retard and they were really helpful and said "yeah that makes sense lets change it" and then despite the guy having my travel/expense record on hand he felt like explaining every single rule the company has when it comes to travel and what qualifies as an expense to make sure I knew

Dan, I don't know how you do your job if your big dumb multinational is as dumb as mine

the dumbasses at my finance department let me change my flights so while I will be in Montreal this week, its only for an hour layover instead of the dumbass overnight from before

This was the conversation

finance "well this flight plan is more expensive..."
me "yeah but it takes two days instead of just one"
finance "Well yeah, but its a more expensive flight"
me "Sure the flight is, but its way cheaper in terms of my time and also the extra 300 some odd bucks for meals and hotel"
finance "okay but the flight is still more expensive"

eventually I talked to someone who wasn't a (frank)ing retard and they were really helpful and said "yeah that makes sense lets change it" and then despite the guy having my travel/expense record on hand he felt like explaining every single rule the company has when it comes to travel and what qualifies as an expense to make sure I knew

Dan, I don't know how you do your job if your big dumb multinational is as dumb as mine
- Lindenis#1

So you won't be downton mtl?

So you won't be downton mtl?
- WaterBoy

sorry marty

you'll need to find someone else to buy you lunch