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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 04-22-2010, 07:23 PM   #76
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To me, anyone using the HBP for more than just a temporary loan is in trouble.

For example: I get back ~35-40% of what I contribute into my RRSPs. If I took a $25K loan (and had $25K contribution room) I could put $25K into my RRSP and get back a $10K tax return. I could then withdraw the $25K HBP from my RRSP and pay back the loan. Now I have $10K for a few $100 of interest on the loan.

Do this x2 as a couple, and you've got $20K for a downpayment, and you haven't touched your retirement savings. Even at a 30% tax bracket, that's still 2x$7.5K = $15K

There is no reason to delete your retirement for a house.
I agree. When me and my SO purchased our first place, I had her contribute to her RRSP to the 20k mark, took it out 90 days later, and used the huge refund to put towards the downpayment. I have friends who also bought young who didnt do this, and wish they did.
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Old 04-22-2010, 08:27 PM   #77
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I honestly believe the best investment you can make today is moving and buying a house in Surrey.

That is probably the last city that has reasonable prices for housing and isn't too far from Vancouver.

And in about 10-15years it's going to be a completely different city imo. If I had a lot of extra cash I would buy a house in Surrey.
And if you want to eventually move back in Van/Burn/Rich the ROI on your Surrey house should appreciate enough that getting a mortgage would be more realistic.
this.

My commute to D/T last year was 40 mins. And I took the skytrain too which make it nice and easy everyday. always on time.
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Old 04-22-2010, 08:39 PM   #78
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I know someone who bought a place, and put 0 down, and used the HBP to purchase a car, now that's stupidity.
so does he know he has to pay a penalty to CRA or he hasn't figured that part out yet
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Old 04-22-2010, 09:08 PM   #79
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It is not 30 mins to downtown from Surrey unless you're breaking every traffic law and there's no traffic. 45 mins easy, 60+ in traffic.
No it's not. 30 mins is an easily doable time. #10 to the east west, over oak and down granville.

Working as a delivery driver for 3 years I have spent more time on our local roads than many of you. You can go from west van to richmond/surrey/langley much faster than you think.
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Old 04-22-2010, 09:18 PM   #80
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^ yeap

fastest i ever made it home from Granville/Helmken is 23 minutes to the port mann at 4 am lol
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Old 04-22-2010, 09:43 PM   #81
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i can do 4 and williams to granville and nelson in 16 minutes.
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Old 04-22-2010, 09:45 PM   #82
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thats why you gotta try harder

its a dog eat dog society...
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Old 04-22-2010, 09:49 PM   #83
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thats why you gotta try harder

its a dog eat dog society...
i'd prefer man eat dog society..

yummm
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Old 04-22-2010, 09:50 PM   #84
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I can see it now, in a couple days there will numerous threads in the police section from people asking how to get out of speeding tickets when they tried to beat the times in this thread lol.
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Old 04-22-2010, 11:28 PM   #85
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vancouver is so convenient
its the centre of everything
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Old 04-23-2010, 07:00 AM   #86
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No it's not. 30 mins is an easily doable time. #10 to the east west, over oak and down granville.

Working as a delivery driver for 3 years I have spent more time on our local roads than many of you. You can go from west van to richmond/surrey/langley much faster than you think.
Next time you do it post pics of the time you left, and the time you arrive. There is no way to do this in 30 mins without breaking many laws, especially in rush hour traffic.

BTW I want door-to-door time. Sure I might beable to make it from the Surrey bridges to downtown, yet how long did it take to get to the bridge, then how long were you stuck in traffic downtown before getting to your destination.
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Old 04-23-2010, 07:04 AM   #87
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i can do 4 and williams to granville and nelson in 16 minutes.
I've done 4th/Blenheim to No 6/Westminister in 18 mins, yet the stars and moon aligned and I hit every green light. I was also doing 100+ on Oak, 120+ on 99, and 100+ on Westminister and eventually speeding like that will result in a ticket, so I don't do it often.

There's no way to repeat that in rush hour, its ~25 mins usually with light traffic, 35 mins with normal traffic.
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Old 04-23-2010, 07:09 AM   #88
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No it's not. 30 mins is an easily doable time. #10 to the east west, over oak and down granville.

Working as a delivery driver for 3 years I have spent more time on our local roads than many of you. You can go from west van to richmond/surrey/langley much faster than you think.
yea good luck with that. 4AM? yes. but taking 30 mins to get to and from the municipalities you mentioned is no where near realistic driving during rush hour.
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Old 04-23-2010, 07:47 AM   #89
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Its so easy to say how long it can take you to get from x to y, but until you actually prove it its all talk.
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Old 04-23-2010, 07:49 AM   #90
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I've done 4th/Blenheim to No 6/Westminister in 18 mins, yet the stars and moon aligned and I hit every green light. I was also doing 100+ on Oak, 120+ on 99, and 100+ on Westminister and eventually speeding like that will result in a ticket, so I don't do it often.

There's no way to repeat that in rush hour, its ~25 mins usually with light traffic, 35 mins with normal traffic.
I once made it from Kitsilano to Metrotown in 14 minutes, I'm surprised I didnt kill myself
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Old 04-23-2010, 08:53 AM   #91
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No it's not. 30 mins is an easily doable time. #10 to the east west, over oak and down granville.

Working as a delivery driver for 3 years I have spent more time on our local roads than many of you. You can go from west van to richmond/surrey/langley much faster than you think.
I agree with him. I drive a lot for work, my office is in Surrey and most our site work is in Vancouver. It depends what part of Surrey your in and what time of day but I can get from our office Surrey to downtown in probably 30-35 minutes no problem but I can't do it during rush hour. If it's before 6am or between 10am-2pm no problem at all but my office is right on the border of Surrey and Delta so getting to the Alex Fraser doesn't take long.
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Old 04-23-2010, 12:49 PM   #92
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I've done 4th/Blenheim to No 6/Westminister in 18 mins, yet the stars and moon aligned and I hit every green light. I was also doing 100+ on Oak, 120+ on 99, and 100+ on Westminister and eventually speeding like that will result in a ticket, so I don't do it often.

There's no way to repeat that in rush hour, its ~25 mins usually with light traffic, 35 mins with normal traffic.
well its easy, just stay in the right lane, it always goes faster down oak.
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Old 04-23-2010, 02:12 PM   #93
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well its easy, just stay in the right lane, it always goes faster down oak.
last time i was on oak i saw some car ripping down the right lane and smoked some car turning left
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