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Vancouver Off-Topic / Current EventsThe 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.
I used a B-Lender, specifically EQ Bank, to purchase my place. My experience was fine, we switched to A-Lender upon renewal cause the renewal rates at EQ were pretty bad. They allowed for lump sum top-up payments, or monthly top-up payments. For some reason they lumped property tax into the mortgage, but aside from that, no real bad experiences with EQ Bank.
What do you want to know?
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Wow~ the difference is only that small between A and B lenders now? That's crazy...
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Quote:
Originally Posted by westopher
The whole world has gone down a road no one can recover from, and it's nothing to do with governments, it's because so much of the general public is so fucking stupid.
Usually b lenders is if you too poor for the house or shit credit. Rates are usually higher than A and they often times have very restrictive pre payment options.
not to get too personal but growing up I didn't want anything to do with kids of my own or other people's kids. Now, we can't have kids (medical condition - Thanks Universe!! /s) and while that sorta makes things easier for us, I certainly don't begrudge anyone for having kids anymore nor for anyone who actively chooses not to. Changing each other's mind on the subject as to "who is happier" is a non-starter. It's almost as hard as trying to convince a liberal to be a conservative or vice versa.
Guess what I'm trying to say is getting a committed Child-Free person to admit they are unhappy or unfulfilled is about as futile as trying to convince the typical Parent they've wasted their lives. So why bother? Just be glad you have the choice either way.
lol no worries man, all things considered I'm fine with my lot in life. I only have so much of my time and love to give, those in my life right now just get to have more of it. For better or worse
Because people show their true colors over the internet, and cover it up in person.
People without kids, that come to your place and are all happy cheery around your kids, are just doing that so you dont judge them. (And ofcourse some actually enjoy others kids).
Then they leave after dinner, look over to their spouse, and say "ah finally, dont need to deal with his kids for another 2 months, reminds me why we dont have any"
My moms family friend, had a second child like 15 years later: for context, im really blunt around people.
Every time there was a family gathering, the mom would always ask me why i dont say hello, hold, or engage with her baby / child. If it crawled on me i would usually have a disgusted face.
Mom proceeded to eventually start ignoring me when i said hi to her, LOL.
Its a two way street, keep your dam drooling baby off me, and you will not have to witness me being disgusted by it.
This is is why people will never be rude around your kids in person.
LOL, I'm just imagining donk walking by this baby hanging out of a window and him just leaving the room, thinking to himself, what a dumbass baby, he's totally going to fall.
I mean come on, you don't have to play with the kid, but at least say Hi to the kid.
Quote:
Originally Posted by RevYouUp
I’m hoping to have a kid or kids one day as well, I just know it’ll suck after they grow up a bit and don’t want to hang out with a lame dad. Then it’ll be difficult to reconnect with old friends, which is why most older people have depression and feel lonely.
Just curious, how old are you? It gets so much harder to do the kid thing when you're older. Especially if you don't have grand parents help. I know couples without any help and it's crazy. I didn't realize there are so many grandparents who don't want to help out.
LOL, I'm just imagining donk walking by this baby hanging out of a window and him just leaving the room, thinking to himself, what a dumbass baby, he's totally going to fall.
I mean come on, you don't have to play with the kid, but at least say Hi to the kid.
Just curious, how old are you? It gets so much harder to do the kid thing when you're older. Especially if you don't have grand parents help. I know couples without any help and it's crazy. I didn't realize there are so many grandparents who don't want to help out.
This was my experience, we had my wife's mom involved for 1 year until she died of brain of cancer but my parents although they like kids just never spent any time with mine, her dad also never involved. We paid for daycare from 1-12, this is before any real type of subsidizing, it's the sole reason we only had one kid although my niece also lives with us now so I basically have two young adults sponging off me hah.
My parents watched my son one time for a night when he was maybe 4, other than that everything has been on us. In November we went on our first vacation together without kids since he was born, only took 18-1/2 years.
I don't regret having a kid, the comments about not really wanting to hang anymore is true in my case it's tough for me to get time with the kid and he lives under the same roof.
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“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t 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. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa
LOL, I'm just imagining donk walking by this baby hanging out of a window and him just leaving the room, thinking to himself, what a dumbass baby, he's totally going to fall.
I mean come on, you don't have to play with the kid, but at least say Hi to the kid.
Just curious, how old are you? It gets so much harder to do the kid thing when you're older. Especially if you don't have grand parents help. I know couples without any help and it's crazy. I didn't realize there are so many grandparents who don't want to help out.
Early 30s, I’m full remote and have a 4 day work week. So that’ll definitely make it easier. Knock on wood that the gig lasts another 5 years
Anyone use a B Lender/Monoline lender vs an A Lender for their recent mortgage? Seeing differences of 0.30% less on fixed and 0.35% less off variable with monoline lenders. I've always only used A Lenders (big banks) so this is all unfamiliar territory if I were to go that route.
As my friend who had one says, the devil is in the details.
Bank: immediate support, no funny fees.
Monoline: your on the phone for 4hrs, with someone on minimum wage in regina, that is reading the contract you signed. They tend to have cheaper rates, but if you need anything changed, the fees will get you. And thats what they "bank" on. If you can go 5 years without talking to them, then its worth it.
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Quote:
Originally Posted by Mr.Money i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by BIC_BAWS
God, women in their early 30s are so baadd lmfao
“People ask me, 'Isn't this just another get-rich-quick scam?' And I say 'Of course! Who wants to get rich slow?'”
“Today I could relax and enjoy life around my mansion. Watch the waterfall in the front, the waterfall in the back…the waterfall inside the house. I get tired of hearing the water running.”
^^ I doubt it, I think we would be in serious trouble if prices drop that much + government will step in with more rate cuts by then.
Rate cuts won’t kickstart the market. I believe it was BMO who said they’ll have little effect because debt loads are too high, job losses are coming from tariffs, and the global economy’s slowing. Anyone who bought at the peak or bought a few pre-sales to flip is fked because we’re likely heading into a prolonged recession.
EVEN if it drops 25%, it doesn't matter. Cash is king and everyone is SUPER scared holding on to their jobs.
No one is willing to make a move. The presell market tanked with 80k incentives, lack of movements.
Those with a job are waiting for interest rates to go down AND in the meantime, they houses they have to sell is really priced down.
There are easily 60-80 listings at a realty right now with lack of buyers.
I still think condos will find support as it's entry level, to get your foot in the door, beggars can't be choosers and just get your first place. The inventory will eventually get snapped up. Same with detached at least in lower mainland I don't see detached prices really dropping with less and less land as they densify. Everyone wants to be China hobs in his $3m driveway doing oil diy changes on his $150k car. But you gotta start somewhere.
I know people are obsessed with new condos but you’d be insane to buy some shit box in Brentwood compared to the dozens of buildings surrounding those spires where you’re getting 20-50% more square footage for the same price.
If actually living in a place matters, the new/presale market is going to get slammed
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Dank memes cant melt steel beams
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