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Old 10-13-2012, 06:30 PM   #201
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would you ever rent a house to a vietnamese guy? lol

given if do they have 100k, i know for sure they would spend it right away and blow the money on a car rather than put a down payment on a home

I will never save up 100k unless I was making 50k+ a month.


This is entirely possible with the books/film projects I will be releasing over the next several years
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Old 10-13-2012, 06:43 PM   #202
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I would become a pimp, simple
LOL. If you wanna be illegal, i'm not going to stop you. But I see where you are coming from. I assumed you are baller and you have 500k+ in investments.

You're also speaking that you know when hyper inflation will start or when it will end. What I meant was buying a property straight up as opposing mortgaging it.
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Old 10-13-2012, 06:59 PM   #203
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LOL. If you wanna be illegal, i'm not going to stop you. But I see where you are coming from. I assumed you are baller and you have 500k+ in investments.

You're also speaking that you know when hyper inflation will start or when it will end. What I meant was buying a property straight up as opposing mortgaging it.
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If the world economy collapsed, nothing would be illegal, it would be about survival.

Do you think you'd be safe in your Vancouver West homes? Not likely
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Old 10-13-2012, 07:06 PM   #204
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I assumed you are baller and you have 500k+ in investments.
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I don't have a dime in savings or investments, what I do have is stories to tell in print and film, an eye for aesthetics, a large penis, and massive amounts of ambition along with the personality and connections to make it happen.

Many of the wealthiest people I've met were in my same boat, some even in their 40s. They tried over and over again to make projects work, dumping all of their money into various things along with padding their own lifestyles. Eventually one idea hit and they ran with it.

Real estate is a slow and steady approach to security and lifestyle, but artists typically have no interest in this as they focus on lifestyle and art.

Could Kanye West be Kanye West if he spent his time working a 9-5 and investing in real estate, saving money to buy property instead of pursuing a lifestyle that would further his art? Just an example but highly applicable to someone such as myself

I actually think Vancouver's extreme prices and relatively low rental to ownership prices helps foster creative people and art, as it makes people less focused on the long term and more focused on the short term. Many people I know have outright given up on the idea of ever owning in Vancouver, and are happier for it
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Old 10-13-2012, 09:47 PM   #205
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With # of sales transactions down over 40%, many realtors are now hurting. Less sales = less commissions. The good ones will still survive, but many of the bad ones will soon be out of a job or looking for new careers.
Good. There are a lot of shit realtors. Every downturn sends them back to their day job and the next time the market is hot, out they all come again.
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Old 10-13-2012, 10:28 PM   #206
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I don't have a dime in savings or investments, what I do have is stories to tell in print and film, an eye for aesthetics, a large penis, and massive amounts of ambition along with the personality and connections to make it happen.

Many of the wealthiest people I've met were in my same boat, some even in their 40s. They tried over and over again to make projects work, dumping all of their money into various things along with padding their own lifestyles. Eventually one idea hit and they ran with it.

Real estate is a slow and steady approach to security and lifestyle, but artists typically have no interest in this as they focus on lifestyle and art.

Could Kanye West be Kanye West if he spent his time working a 9-5 and investing in real estate, saving money to buy property instead of pursuing a lifestyle that would further his art? Just an example but highly applicable to someone such as myself

I actually think Vancouver's extreme prices and relatively low rental to ownership prices helps foster creative people and art, as it makes people less focused on the long term and more focused on the short term. Many people I know have outright given up on the idea of ever owning in Vancouver, and are happier for it
LOL at big dick.

Although Kayne West is at his place because he is an artist, doesn't mean he is richer than a real estate person. I see where you are coming from, but would you buy a place if you have a family? With no luggage, leasing in this market is a great idea but how about when you mature and want to settle down?
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Old 10-14-2012, 02:04 PM   #207
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Renting vs. owning is like leasing vs. purchasing a car.

I'm going to use Jim as an example. Renting would be ideal if Jim's work requires frequent travel, or his work is unstable. In the same way, it makes sense to lease a car. You can spend $40k leasing a car for 4 years. Or you can spend $40k financing one and own it after 4 years.

But after 15-20 years time, when Jim is in his late 40's, he would have paid off his mortgage while his buddy Joe continues to rent all the way into retirement.

Now, Jim's cash flow just increased by $1500 (avg.). Hard cash going straight into his bank account. He can do whatever he wants with this cash, hell he can get a 80K car if he wants to. Also, Jim now has a place which he owns and he can sell it then use the money for retirement while renting a smaller place. And if he dies, he can have something to give to his kids.

Joe is the opposite of Jim's situation. He continues to rent but owns nothing in the end.

Yes, owning requires paying strata or house repairs. But that's part of life. You take care of it because you own it.

Sure, the housing prices may drop a little. But it would not be significant enough to cause major concern because Vancouver is not in the same unemployment situation as US.
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Old 10-14-2012, 02:21 PM   #208
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Now, Jim's cash flow just increased by $1500 (avg.). Hard cash going straight into his bank account. He can do whatever he wants with this cash, hell he can get a 80K car if he wants to.

Where does Jim live to save up the 50k needed for the down payment?


Jim gets to live in Surrey while the other dude lives downtown and has much more life experience, it's a trade off for sure
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Old 10-14-2012, 02:35 PM   #209
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but would you buy a place if you have a family?
I'm more focused on art, really, a family will happen if it happens


In the balance of experience VS security, some careers lean heavily towards one or the other. I imagine public service workers such as police officers and firefighters, you'd lean much more towards security. How often do you hear about them being laid off, or losing their jobs? Very rarely. They're almost guaranteed a steady income and retirement. Artists on the other hand, can make nothing at all, but their incomes have no ceiling


I'm curious, how long would it take to save up for the down payment on a condo for a 1st year VPD recruit? I bet if they started to save @ 20 years old, they could probably take it for a house around 35 years old. I don't do math and I'm lazy so I'm not actually going to calculate it, hehe
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Old 10-14-2012, 02:41 PM   #210
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Thats a bit of a pessimistic guess I'd say. As a vpd officer lets say he starts at 50k a year, probably going up to 60-65 after 5 years. You could save 40-50k in 5 years without living a boring existence in surrey, especially if you avoided the urge to buy a nice car. I might be a bit optimistic however. Somewhere in the middle is for sure reasonable though.
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Old 10-14-2012, 02:47 PM   #211
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You could save 40-50k in 5 years without living a boring existence in surrey,
Someone should do the math on this
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Old 10-14-2012, 03:19 PM   #212
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Where does Jim live to save up the 50k needed for the down payment?


Jim gets to live in Surrey while the other dude lives downtown and has much more life experience, it's a trade off for sure
if you're paying 2k per month living downtown right now, i would rent somewhere cheaper like a basement at 600 per month.

After 5 years, its about 90k savings right there.
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Old 10-14-2012, 03:21 PM   #213
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You can easily live in a nice place with a roommate close to downtown for like 800 a month, or alone for like 900-1200 in a decent place.
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Old 10-14-2012, 03:22 PM   #214
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Someone should do the math on this
Sounds reasonable if you ask me. Assuming your making 45k-55k a year.
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Old 10-14-2012, 03:29 PM   #215
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Someone should do the math on this
i recommend you watch this:

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Old 10-14-2012, 03:41 PM   #216
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if you're paying 2k per month living downtown right now, i would rent somewhere cheaper like a basement at 600 per month.

After 5 years, its about 90k savings right there.

LOL @ Basement


You don't even get it man. Your lifestyle in that basement will severely harm any possibility of creative thought, and be extremely limiting of your social circle
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Old 10-14-2012, 03:42 PM   #217
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You can easily live in a nice place with a roommate close to downtown for like 800 a month, or alone for like 900-1200 in a decent place.

Find some of these "decent" places for 900-1200 please
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Old 10-14-2012, 03:44 PM   #218
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LOL @ Basement


You don't even get it man. Your lifestyle in that basement will severely harm any possibility of creative thought, and be extremely limiting of your social circle
its your choice. 90k or social life you decide either to become a rich or poor person

if you lose your job don't tell me you're not a paycheque or 2 away from being homeless
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Old 10-14-2012, 03:46 PM   #219
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its your choice. 90k or social life you decide either to become a rich or poor person

You don't understand dude. You can become rich by becoming that social person. I couldn't have written the book I wrote, or made the sex tapes I made that I'm going to use to promote the books, or met any of the film people, or girls, or had any of the experiences I had to base stories upon without my social nature.

Get it now? Chicken before egg thing.

That's why boring chinese kids don't create much, but own a lot of property.
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Old 10-14-2012, 03:47 PM   #220
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its your choice. 90k or social life you decide either to become a rich or poor person

if you lose your job don't tell me you're not a paycheque or 2 away from being homeless

I sell porn online, I run an internet business from home, I employ an assistant at my art studio
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Old 10-14-2012, 03:48 PM   #221
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You don't understand dude. You can become rich by becoming that social person. I couldn't have written the book I wrote, or made the sex tapes I made that I'm going to use to promote the books, or met any of the film people, or girls, or had any of the experiences I had to base stories upon without my social nature.

Get it now? Chicken before egg thing.

That's why boring chinese kids don't create much, but own a lot of property.
hey if you become rich i dont need that job anymore YOU NEED IT!! to pay your bills
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Old 10-14-2012, 03:52 PM   #222
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Sounds reasonable if you ask me. Assuming your making 45k-55k a year.

Ok, assuming a cadet takes home 4k a month,


1000 rent/hydro/cable/internet
500 in food
500 in entertainment, dates, cel phone
100 in bus pass
400 in other misc expenses+savings for 1 vacation per year

Assuming 1500 could be put away every month, how long would it take to afford a down payment on a downtown condo, then, how much would that condo need to appreciate to afford a detached laneway home in 10-15 years when that 20 year old cadet wants to get married + have kids?

Assuming the wife has no $$$ to add to the downpayment of the laneway home

Also, we need to factor that in 15 years, how much will a laneway home be? Or a house in East Vancouver, will they START at 1 million? How much will a police officer's wage go up?
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Old 10-14-2012, 03:52 PM   #223
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hey if you become rich i dont need that job anymore YOU NEED IT!! to pay your bills

You can't even write a coherent sentence. What are you trying to say here? I don't get it.

Can anyone translate?
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Old 10-14-2012, 04:06 PM   #224
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You can't even write a coherent sentence. What are you trying to say here? I don't get it.

Can anyone translate?
i think he's trying to explain to you how to become rich and successful
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Old 10-14-2012, 04:12 PM   #225
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Parents divorced when I was 11

Mother was bipolar and she started drinking and smoking, going out and having fun

Father was a complete beta male who ignored me and spent more time with my brother

Never had any clothes to wear to school, ended up wearing the same shit day after day, had to steal fries and lunch from one of my best friends who is/was on this board. Hard to learn when you're always hungry and felt like you didn't belong at school or at home. I was bullied and I bullied other kids that were unfortunate to be even lower ranked than I was. I had no sense of who or what I was, I was so timid and shy because nobody ever talked to me at home or listened to me, or ever asked me anything about what I liked, or who I thought I could be some day. Kids pick up on that shit fast, and when you're the awkward kid it just invites cruelty. Especially when you're poor at a rich school like Eric Hamber.

Ended up switching to 11 different schools, moved between both parents several times as neither of them wanted a 6 foot tall, 180 pound kid devouring all food in sight, also I interfered with any social life/dating they wanted to do, where as my 6 year younger brother was still a quiet 9 year old

Tried correspondence, but then my father would drop me off at Waterfront Station and I had to work on a bench on the inside of the noisy atrium. I would then wander back up to North Van by sneaking onto the seabus, then I would sneak into the Lonsdale rec center and work out until I could be let back into the house at 4 PM. He left me with no money for food the entire time, or maybe a couple bucks if I was lucky. I admit that I begged for cash sometimes.

This went on for quite awhile, I had absolutely no friends and no self-esteem, I wanted to kill myself for the longest time

I then managed to use a piece of shit computer hobbled together with my dad's spare parts and I got into modeming, and I went onto local chat boards and met up with people 6 or so years older than me, and my old friend with the Supra lifted me up and cared for me more than my worthless shithead father ever did.

I slept on floors, had a futon in a rat infested basement I called home for a few months, it gets a bit blurry here, but at like... 16... I started working shitty, SHITTY jobs. Over time I became a bit more self-sufficient before I moved back home for a few months. Then I was completely neglected, again, and blamed for everything bad that happened in my family, I was a complete black sheep. I was sent to live with a chinese family at 49th and Victoria for a summer, the asian mom was so sweet and caring. I love chinese hospitality and their sense of family for this reason. I had to leave there because it was so far from work in North Van and I felt shame leeching them for food and bus fare during my unpaid couple weeks of work

I lost that job after like a month because the bus broke down one morning and the iranian boss accepted 0 excuses. I then met this girl in Maple Ridge, and her family was wonderful and let me stay there. I got my first taste of what a FAMILY was supposed to be, and I was happy! I couldn't believe it.

A few years went by and I started getting less shitty jobs, they were SUPER shitty, like digging ditches in Mundy park in February at 3c in the pissing rain for $7 an hour. My life was a nightmare, I had to commute there on a bicycle with a broken chain from where the Shell station is on the Mary Hill Bypass. I lived in a basement suite eating the cheapest, greasiest ground beef and pork, along with kraft dinner. I bought an '82 Rx-7 with 1 dead rotor for $300, drove that to a farming job I got that summer and I made $10 an hour!!! I managed to afford a replacement engine for the Rx and I was loving life. Banged a bunch of hot chicks and I started to understand that I could be happy and live well. Kept my chin up and began getting better jobs.

Moved to White Rock to my mom's as she allowed me to stay there while taking a computer course to get some more skilled jobs. Around the end of my schooling my mom flipped her lid because she was sick of my $400-500 a month food bills and how no man wanted to date her because her son lived with her, so she made her choice and I was booted out, again.

Then I got a better job, surfed clubvibes.com for a year, fucked tons of cute girls, TONS, lost the job after 9/11, she killed herself, I moved to Costa Rica, learned to sell porn, and life has been an incredible series of ups and downs(more ups than downs) ever since.


You could say that high school was difficult for me
Off topic.

But great life story. Would love to hear more the ups and downs.
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