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Type: Posts; User: ercchry

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    88602 Couldn’t help myself!

    88602

    Couldn’t help myself!
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    Not usually, no. I’ve only seen it with a few...

    Not usually, no. I’ve only seen it with a few lenders where they will amortize the limit of a HELOC at 25yrs at benchmark for qualifying... but not all do this
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    High limit, low usage is good for your credit...

    High limit, low usage is good for your credit score. Proof that you are responsible enough to handle more credit.

    We are starting to see some lenders qualify people based on limit vs usage though...
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    3G data?! Nooooo

    3G data?! Nooooo
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    Still one of my favourite drams... I grabbed two!...

    Still one of my favourite drams... I grabbed two! Not sure if one will become a gift or if I will horde it all :rofl:

    Lismore 18 is great too... and of course glenfarclas 21
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    Equifax is the most common pull from lenders, the...

    Equifax is the most common pull from lenders, the odd one does pull transunion though as some times they report different things. Credit karma won’t give you an accurate number though if comparing to...
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    Willowpark is having a one day online sale on...

    Willowpark is having a one day online sale on some solid bottles right now... up to 50% off!
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    Are the tires also 16yrs old?! Wear doesn’t...

    Are the tires also 16yrs old?! Wear doesn’t matter when they’re that old.. $600 is very generous. Budget wheel brands have come along way since then
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    Scheer is resigning! Edit:wrong thread

    Scheer is resigning!
    Edit:wrong thread
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    Good thing it’s a Wednesday.... wing specials >...

    Good thing it’s a Wednesday.... wing specials > sitting in traffic :rofl:
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    Yeah I don’t get it... if they continue to...

    Yeah I don’t get it... if they continue to struggle it will go private, restructured... assets sold off, etc, etc. Life will continue. They’re a big retail dinosaur. One of the last major department...
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    Yeah that’s not what the conversation was about

    Yeah that’s not what the conversation was about
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    So? TDS/GDS is based of monthly obligations, not...

    So? TDS/GDS is based of monthly obligations, not the balances
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    Way too long for the theatre... would need an...

    Way too long for the theatre... would need an intermission!

    Love the random Action Bronson cameo near the end :rofl:
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    $32usd... so like $40?

    $32usd... so like $40?
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    No... you know what I do for a living, right?...

    No... you know what I do for a living, right? Haha

    The most important part that lenders look at is payment as both show as instalment loans... yes the balance remaining would be lower on the lease...
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    Uh, no... both are reported to your credit in the...

    Uh, no... both are reported to your credit in the same way... if the financing companies report that is
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    Unless something very unexpected happens I don’t...

    Unless something very unexpected happens I don’t know why the hell you’d buyout a lease. If you want a long term vehicle you should just finance it
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    This one caught my eye ...

    This one caught my eye

    https://www.kickstarter.com/projects/lunarartefacts/pointer-instrumentstm-computer-mouse-redefined
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    Wow, $350 and free shipping... kind of tempting...

    Wow, $350 and free shipping... kind of tempting haha, looks baller, but also annoying in the pocket
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    I would agree on that, but also don’t know what...

    I would agree on that, but also don’t know what the complications are with being a shareholder but also an employee of the office you’re commuting to?
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    Id be more worried about how contracts are...

    Id be more worried about how contracts are rewarded vs pensions for civil servants... its wild, so much waste... so many incompetent people falling into money
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    Hrm... so holding co holds lease? But aren’t you...

    Hrm... so holding co holds lease? But aren’t you an employee under the other co?
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    Ended up having my flight canceled and am now...

    Ended up having my flight canceled and am now stuck at yyz for a few extra hours... lounges, all I have to add... even without passes it’s cheaper than food and a couple drinks with the pleabs... and...
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    Ratios... 39/44... gds/tds... so 39% of gross for...

    Ratios... 39/44... gds/tds... so 39% of gross for home related expenses (mtg, taxes, heat, hoa/condo fees etc) and 44% for all obligations (3% of balances on revolving lines, and full payments on...
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    Money down on a lease makes sense if you have to...

    Money down on a lease makes sense if you have to lower the payment to keep them under 5% of gross income... why? So you don’t cut into qualifying for a mortgage/renewal... way more important with a...
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    Oh Jesus.... more like they owe YOU... :rofl: ...

    Oh Jesus.... more like they owe YOU... :rofl:

    So here is the thing about IRDs...

    When an IRD is calculated they use the current rate for the term closest matching the remainder of your term at...
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    Cause you can get 2.34% right now fixed and even...

    Cause you can get 2.34% right now fixed and even if you can do P-1.20% you’d still be at 2.75% :dunno:

    Also at rates that low IRD is unlikely so both products would likely be at 3 months interest...
  29. Thread: +15 Food

    by ercchry (view post)
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    Not sure how I’m going to return to +15s after...

    Not sure how I’m going to return to +15s after all this TO PATH food... mmm... assembly hall

    88481
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    We’ll have to get a beyond baller group together...

    We’ll have to get a beyond baller group together once Darren (Shokunin) gets his new concepts opened, one of which is a 7 seater chef’s table

    ...I’ve been in TO for work, haven’t ate much note...
  31. Thread: +15 Food

    by ercchry (view post)
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    Probably cause you don’t get the peanuts on them!...

    Probably cause you don’t get the peanuts on them! :rofl:

    But yeah, at the end of the day it’s just quick and easy food court food... still prefer the subs though. But I guess I hold pho to a much...
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    The trick to being conservative is to already...

    The trick to being conservative is to already have the wealth in place... risk adjusting should also include age and future earning capacity... take on the risk young, transition to something more...
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    Well, then the future looks bleak! 5-7% returns...

    Well, then the future looks bleak! 5-7% returns for all... well, before factoring in those MERs :rofl:
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    Yes... a high ratio owner occupied to rental....

    Yes... a high ratio owner occupied to rental. Sure I guess I can factor that in. But if you are managing your own stocks or whatever vehicle you use to invest I would hope you are spending time on...
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    I personally enjoy it due to how dynamic a...

    I personally enjoy it due to how dynamic a physical asset can be... and one that is so easily leveraged. But I like and am able to be more hands on with it, which not everyone can or should be. An...
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    Pretty easy to time an exit though. Rest of the...

    Pretty easy to time an exit though. Rest of the variables are already set. No need to find peak, neither property currently is even remotely underwater... so it’s mostly just an exercise in trying to...
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    I’m more worried about timing the liquidations of...

    I’m more worried about timing the liquidations of the starter homes to consolidate into the forever home, maximizing equity growth and also timing sales and purchase with an upswing that hopefully...
  38. Thread: +15 Food

    by ercchry (view post)
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    Suncor, n the corner by the mucho burrito, I...

    Suncor, n the corner by the mucho burrito, I prefer their subs though. Their sate pho is lacking depth
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    This keeps us more or less on track for the...

    This keeps us more or less on track for the classic 5yr cycles we see in RE
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    I think once Alberta accepts its new normal...

    I think once Alberta accepts its new normal things will be just fine. I look at a lot of deals from Ontario, and look at the boom out here. TO condos are about double as Calgary’s DT equivalents......
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