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04-22-2010, 07:23 PM
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#76 | | RS.net, where our google ads make absolutely no sense!
Join Date: Apr 2002 Location: vancouver
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Originally Posted by amanonfire  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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04-22-2010, 08:27 PM
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#77 | | My homepage has been set to RS
Join Date: Jun 2006 Location: Deutschland
Posts: 2,402
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Originally Posted by mx703 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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04-22-2010, 08:39 PM
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#78 | | I Will not Admit my Addiction to RS
Join Date: Nov 2003 Location: Vancouver
Posts: 543
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Originally Posted by mikeivb
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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04-22-2010, 09:08 PM
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#79 | | My homepage has been set to RS
Join Date: Jun 2006 Location: Deutschland
Posts: 2,402
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Originally Posted by amanonfire
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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04-22-2010, 09:18 PM
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#80 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,264
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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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Dank memes cant melt steel beams
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04-22-2010, 09:43 PM
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#81 | | Banned By Establishment
Join Date: Mar 2006 Location: Richmond
Posts: 12,484
Thanked 2,091 Times in 773 Posts
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i can do 4 and williams to granville and nelson in 16 minutes.
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04-22-2010, 09:45 PM
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#82 | | -Stare-
Join Date: Dec 2009 Location: GVR
Posts: 2,913
Thanked 8,013 Times in 648 Posts
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thats why you gotta try harder
its a dog eat dog society...
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04-22-2010, 09:49 PM
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#83 | | Banned (ABWS)
Join Date: Oct 2006 Location: MacLeod
Posts: 7,298
Thanked 542 Times in 289 Posts
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Originally Posted by YellowBun thats why you gotta try harder
its a dog eat dog society... | i'd prefer man eat dog society..
yummm
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04-22-2010, 09:50 PM
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#84 | | My homepage has been set to RS
Join Date: Feb 2004 Location: Coquitlam
Posts: 2,122
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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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2000 Dakota R/T
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04-22-2010, 11:28 PM
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#85 | | I subscribe to Revscene
Join Date: Jan 2010 Location: E. Vancouver
Posts: 1,939
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vancouver is so convenient
its the centre of everything
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04-23-2010, 07:00 AM
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#86 | | NEWBIE ACCOUNT!
Join Date: Apr 2010 Location: Hell
Posts: 17
Thanked 8 Times in 5 Posts
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Originally Posted by falcon 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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04-23-2010, 07:04 AM
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#87 | | NEWBIE ACCOUNT!
Join Date: Apr 2010 Location: Hell
Posts: 17
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Originally Posted by MajinHurricane 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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04-23-2010, 07:09 AM
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#88 | | Rs has made me the man i am today!
Join Date: May 2001 Location: Richmond BC
Posts: 3,192
Thanked 152 Times in 44 Posts
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Originally Posted by falcon 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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04-23-2010, 07:47 AM
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#89 | | RS.net, where our google ads make absolutely no sense!
Join Date: Apr 2002 Location: vancouver
Posts: 995
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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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04-23-2010, 07:49 AM
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#90 | | RS.net, where our google ads make absolutely no sense!
Join Date: Apr 2002 Location: vancouver
Posts: 995
Thanked 126 Times in 59 Posts
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Originally Posted by amanonfire 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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04-23-2010, 08:53 AM
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#91 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,613
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| Quote:
Originally Posted by falcon 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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The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | |
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04-23-2010, 12:49 PM
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#92 | | Banned By Establishment
Join Date: Mar 2006 Location: Richmond
Posts: 12,484
Thanked 2,091 Times in 773 Posts
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| Quote:
Originally Posted by amanonfire 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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04-23-2010, 02:12 PM
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#93 | | RS.net, where our google ads make absolutely no sense!
Join Date: Apr 2002 Location: vancouver
Posts: 995
Thanked 126 Times in 59 Posts
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Originally Posted by MajinHurricane 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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