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    Yes minus 20% if you sold your investments...

    Yes minus 20% if you sold your investments immediately after every stock price drawdown. And yes the market on average drops 1 out of every 3 years. 3 to 5% is conservative if you consider the...
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    Have you factored in the equity in your home? ...

    Have you factored in the equity in your home? Whatever equity you have there's a lost opportunity cost to it in the range of 3 to 5%...maybe more depending on your time horizon. When I make this...
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    They'll have the same neighbors whether renting...

    They'll have the same neighbors whether renting or owning. :facepalm:
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    OP is making purchase as primary residence so bad...

    OP is making purchase as primary residence so bad tenants is non issue.

    Other comment is how quickly we go from FOMO to no point to own. In retrospect Im glad oil prices came back to earth...
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    Sage hill...:barf: Condo...:barf: do NOT do that...

    Sage hill...:barf: Condo...:barf: do NOT do that at any stage in the business cycle. There's some simple advice for ya.

    To the other condo owners here who are waiting for break even...it's tough...
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    OP - Let's not get too carried away. Yes things...

    OP - Let's not get too carried away. Yes things are bad but underwater bad is whole other story. You can do both by the way... lots of banks offer you to make lump sum payments to pay down your...
  7. Sticky: Rosedale & Crescent heights past 3 months. ...

    Rosedale & Crescent heights past 3 months. Thanks!
  8. There was a NPR podcast recently about a...

    There was a NPR podcast recently about a "natural" interest rate which is what the interest rate would be without any government intervention. And that rate is about 2%. The reason its so low is...
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    Sure hope Iran doesn't do anything silly like...

    Sure hope Iran doesn't do anything silly like attack Saudi production facilities again.
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    Sticky: Seems most "investors" consider a few days to...

    Seems most "investors" consider a few days to weeks as short term and long term is considered 6 months to a year.

    Things have been too good for way too long. People don't even remember was a...
  11. Sticky: Banff trail past 90 days please thanks!

    Banff trail past 90 days please thanks!
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    Poll: You can't exactly taste a 4K video but I get what...

    You can't exactly taste a 4K video but I get what you mean. There's less intrigue in visiting in a new place when there's google maps street view and 4K videos of every location. But that's kinda...
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    Poll: This touches on a fear of mine - first world fear...

    This touches on a fear of mine - first world fear I guess. Now that there's a kiddo in the picture it makes travel...different and difficult as someone else mentioned earlier to the point where it...
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    Poll: The value of a memorable trip far exceeds the...

    The value of a memorable trip far exceeds the opportunity cost and/or the credit card bill. Are you paid hourly or is it just a hassle getting time off?
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    Poll: I try to do the exact opposite of small weekend...

    I try to do the exact opposite of small weekend trips. Especially Vegas I prefer to do the Sunday thru Thursday schedule. Way cheaper flights, hotels, and just about everything else. Less crowds...
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    Poll: I did consider higher brackets but looking at the...

    I did consider higher brackets but looking at the poll results so far the answers are spread pretty evenly with $3 to 6K being the 2nd most popular choice.

    I also feel like if you're going over...
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    Poll: Whats your travel/vacation budget?

    One of the biggest chunks of expenses for me. Granted there's going to be differences whether you're roughing it solo living out of a backpack or taking luxury vacations with the family but curious...
  18. Banded Peak literally sold out. Didn't realize...

    Banded Peak literally sold out. Didn't realize that Mill Street was also owned by Labatt. Can't blame them though. Given the opportunity I'd probably cash out too.
  19. Sticky: Banff trail and Capitol hill detached past 90...

    Banff trail and Capitol hill detached past 90 days please & ty
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    ^ People need to stop tagging the exact...

    ^

    People need to stop tagging the exact location on their insta at least. Ruins beautiful spots and I like doing research before trips since anticipation is one of the most fun parts of traveling...
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    How was the sunset fishing trip...

    How was the sunset fishing trip organized/planned? How did you hop between islands and how'd you find accommodations? Link to blog post if there's one would be appreciated.

    And wow the beyond...
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    https://www.microsoft.com/en-ca/p/dell-inspiron-14...

    https://www.microsoft.com/en-ca/p/dell-inspiron-14-5481-2-in-1-touch-laptop-i3481-3236gry-pus/8s3v20b8bqjj

    Faster response & boot times with SSD plus touch screen.
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    ^ The same thing that leads to wealth that...

    ^

    The same thing that leads to wealth that quickly can also wipe it away. Real estate investing is a hugely leveraged investment class (everybody borrows) and once you sign to purchase you're...
  24. Silly question. ...

    Silly question.

    https://www.youtube.com/audiolibrary/music?nv=1
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    The way that organization is run and how they...

    The way that organization is run and how they keep moving cities - LA, Oakland, Vegas - I don't know how fans could stay loyal to them.
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    Yeah I'm considering this as a low cost easy...

    Yeah I'm considering this as a low cost easy solution too. It's gonna be for late night TV watching so the cord shouldn't bother anyone else.
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    Headphones for TV (low latency)

    Need to watch TV quietly without waking up the fam. Anyone want to toss out recommendations for either RF signal or bluetooth transmitter for TV with minimal latency? Tried out the Avantree...
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    Will keep an eye out. Who took the photo at...

    Will keep an eye out. Who took the photo at chinook? Sucks having a bike stolen. Always wonder how I would react if confronted with the guy that stole my bike.
  29. They sure did jam up downtown parking. Mostly...

    They sure did jam up downtown parking. Mostly just street parking though. Miss having them as cheaper option to and from the airport though.
  30. Leaving North America but staying in Europe makes...

    Leaving North America but staying in Europe makes me think the differences in attitudes towards car ownership and density of neighborhoods. North American cities are more spread out and people more...
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    Asia and China in particular had very high birth...

    Asia and China in particular had very high birth rate because it used to be an agrarian and rural society. On a farm having more kids is an asset not a liability. It was free labor and the kids...
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    Paid for Pocket casts. Always found it very...

    Paid for Pocket casts. Always found it very strange that Android/Google never released a native/built-in app for podcasts given how popular it is and we had to go searching for an app on our own.
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    Preach! When you spend on the 'wants' and...

    Preach! When you spend on the 'wants' and luxuries of life it becomes your new baseline very quickly. It's all about balance.



    I spent about 6 weeks on parental leave after wife went back to...
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    Perhaps stating the obvious but if you're shocked...

    Perhaps stating the obvious but if you're shocked to see your actual spending levels on a monthly basis then you definitely haven't been budgeting or paying much attention to cash going out the door....
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    How does screen X work? Are they just going to...

    How does screen X work? Are they just going to blow up the wide screen so it projects onto 3 screens? If that's the case you're gonna be missing a lot of things in your peripheral that should have...
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    HBC has been losing $500M each of the past 3...

    HBC has been losing $500M each of the past 3 years so its nothing new. It's been in the news recently because of the fight to go private. Calling the company HBC is kind of misleading as most of...
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    That's a whole lotta flights. Are you still...

    That's a whole lotta flights. Are you still doing the backpacking thing? Avoiding China like the plague I see haha
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    Another thing often overlooked when it comes to...

    Another thing often overlooked when it comes to cost of home ownership is realtor fees when you sell. Cost of selling a 600-700K house is roughly 30K. If you sell the house in 5 years to...
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    Hard to predict...if it was very few of us would...

    Hard to predict...if it was very few of us would be working. But to think another 08/09 is upon us is too much pessimism. That was a generational collapse and the real estate here wasn't affected...
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    Poll: ^ What's the point of drinking decaf?

    ^

    What's the point of drinking decaf?
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