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05-30-2023, 10:54 PM
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#26226 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
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Originally Posted by The Producer  did you forget to eat your wheaties this morning? you're on quite the roll today | He's just mad that he can't afford a BMW M car.
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05-31-2023, 07:56 AM
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#26227 | | It's like going crazy when you're already nuts
Join Date: Aug 2005
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Originally Posted by Eff-1 All you guys who are so quick to call people "lazy" and "poor" are living in your own bubble with no awareness on how life might be for a lot of other people.
Not everyone can just snap fingers, work hard, and live the life they want.
Lots of people aren't born with parents who can pay tuition for them and house/feed them for as long as you want.
Lots of people have physical or mental disabilities that prevent them from taking on different jobs.
In short, not everyone is dealt the same hand when it comes to life circumstances as you are.
So they end up living on less income because they don't have any choice. Luckily for the earlier generations, they could find co-op housing (which the gov't built a lot of in the 70s/80s and then stopped building in the 90s, which was totally stupid decision). People today with the same circumstances aren't so lucky.
And now they become seniors. On a fixed income. Living on $30k per year, or less.
What would you do if you were in the situation? Just go work harder? Stop being lazy?
Don't get me wrong, given the circumstances, in hindsight of course they made an unfortunate decision to vote down the earlier proposals.
But I don't think for a second that everyone here, if they were in their 70s, living on the same income in the same situation, wouldn't have done the same so you can keep the rent down and still be able to buy groceries/transit pass, medicines, etc etc.
It's a sad situation all around. I feel bad for them.
And the people who point fingers at others calling them lazy and poor without knowing those people's specific life circumstances are part of why our housing situation and income gaps are completely messed up and gets worse each year. | A few years back, Mrs and I were at a Dollarama picking up a couple things and I commented that one of the items she showed me was too expensive. Another couple in the vicinity overheard and I don't recall the dude's exact response, but he was pretty much mocking me for not being able to afford the item and said it loud enough so that I, and others around us could hear. It wasn't even that I couldn't afford it, it was that I couldn't justify $7.99 or w/e on a one-time use throwaway item. We're not struggling by any means but I always think back about this incident and how useless comments like that from ignorant people can really be triggering for others who are having a hard time.
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05-31-2023, 08:31 AM
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#26228 | | I contribute to threads in the offtopic forum
Join Date: Apr 2001 Location: VAN/RMD/BBY
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Originally Posted by jing It wasn't even that I couldn't afford it, it was that I couldn't justify $7.99 or w/e on a one-time use throwaway item. | Why are you in a Dollarama if you're not looking for a throwaway item.  | |
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05-31-2023, 08:51 AM
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#26229 | | I told him no, what y'all do?
Join Date: Aug 2006 Location: Vancouver
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sounds like a chinese drama sitcom, the passive aggressive say it loud for all to hear but not directly at someone
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http://www.revscene.net/forums/showthread.php?t=611711 Quote: Greenstoner
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05-31-2023, 09:01 AM
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#26230 | | It's like going crazy when you're already nuts
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Originally Posted by Spoon Why are you in a Dollarama if you're not looking for a throwaway item. | Because not everyone can afford to shop at Whole Foods
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05-31-2023, 11:01 AM
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#26231 | | RS Veteran
Join Date: Dec 2001 Location: GTA
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Don't all of you guys shop at Whole Foods? 
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Not a car enthusiast
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05-31-2023, 11:52 AM
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#26232 | | To me, there is the Internet and there is RS
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You guys do your own shopping?
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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05-31-2023, 01:06 PM
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#26233 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
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What's food shopping? My chef prepares all my meals I assume he is going from his own farm to my table
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05-31-2023, 01:09 PM
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#26234 | | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: Vancouver
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My office is down the street from the food bank and on my way out there was a line that was at least a couple feet long full of people waiting in line. Many of them were elderly Chinese - while there are rumblings that some of them don't need the help I fully believe that the vast majority of them need help.
Being poor fucking sucks and, more and more, we make it harder for people to not be poor.
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05-31-2023, 02:02 PM
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#26235 | | Network Admin Team
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| https://www.cbc.ca/news/canada/briti...ties-1.6860547 Quote:
The provincial government has set its inaugural list of municipalities where it will be taking a more aggressive step in setting higher housing targets for city halls — and threatening action if they don't comply.
"Municipalities are our critical partners in addressing the housing crisis and building healthy, economically viable
communities," said Minister of Housing Ravi Kahlon, announcing the list.
"In the coming weeks, municipalities will meet with staff to finalize what targets will look like."
The communities named by the government are:
Vancouver
West Vancouver
Port Moody
District of North Vancouver
Delta
Abbotsford
Victoria
Saanich
Oak Bay
Kamloops
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05-31-2023, 02:12 PM
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#26236 | | I have named my kids VIC and VLS
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Originally Posted by supafamous My office is down the street from the food bank and on my way out there was a line that was at least a couple feet long full of people waiting in line. Many of them were elderly Chinese - while there are rumblings that some of them don't need the help I fully believe that the vast majority of them need help.
Being poor fucking sucks and, more and more, we make it harder for people to not be poor. | I have no sympathy for people who have a home paid off and won’t pull equity out of it in order to survive. Those people should not be at the food bank. And I almost guarantee these are the types of people you are seeing.
There is a huge difference between being cheap/ignorant and being legitimately poor.
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05-31-2023, 04:19 PM
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#26237 | | Rs has made me the woman i am today!
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^^ well they make like $12000 a year from the gov, so it's not like they will get approved for anything anyways. And obviously Asians won't chip reverse mortgage cuz they gotta save that house for the kids
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05-31-2023, 04:26 PM
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#26238 | | I have named my kids VIC and VLS
Join Date: Oct 2001
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The kids can pay the 150k line of credit they pulled out to live among their junk for a few more years. Disgusting cultural Norms perpetuating the housing crisis frankly.
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Dank memes cant melt steel beams
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05-31-2023, 04:43 PM
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#26239 | | Willing to sell body for a few minutes on RS
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Originally Posted by bcrdukes Don't all of you guys shop at Whole Foods? | I live in Surrey, do we even have a whole foods? I don't think I've ever seen one outside of the US mind you I seldom go west of the fraser river.
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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 | |
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05-31-2023, 06:46 PM
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#26240 | | RS has made me the bitter person i am today!
Join Date: Dec 2008 Location: Richmond
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Bunch in van, one in Brentwood, surprised there isn't one in SurDel
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05-31-2023, 07:39 PM
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#26241 | | My homepage has been set to RS
Join Date: Jun 2013 Location: Burnaby
Posts: 2,226
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Originally Posted by JDMDreams ^^ well they make like $12000 a year from the gov, so it's not like they will get approved for anything anyways. And obviously Asians won't chip reverse mortgage cuz they gotta save that house for the kids | If their house is paid off they will get at least 40% loan to value for a HELOC with no income at all. That's an easy bet for any lender.
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05-31-2023, 08:45 PM
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#26242 | | Rs has made me the woman i am today!
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^^ tell me which magic lender this is, as far as I know no one lends on equity any more unless it's some private loan shark lender. If this was true everyone can just take out money and drive up property prices even more.
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05-31-2023, 09:35 PM
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#26243 | | in the butt
Join Date: Aug 2016
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Originally Posted by JDMDreams ^^ tell me which magic lender this is, as far as I know no one lends on equity any more unless it's some private loan shark lender. If this was true everyone can just take out money and drive up property prices even more. | 
RBC says otherwise, every time I make a payment on my property, roughly 50% of that is added to my max HELOC amount every month.
Now multiply that by each property you have
They LOVE it when you take out more loans
This applies to almost every large bank. With that said, I'm sure it's a bit different when you don't work, don't have tenants, and have a paid off property
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this guy is the embodiment of a cross cab owner. | | |
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06-01-2023, 03:57 AM
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#26244 | | Where's my RS Christmas Lobster?!
Join Date: Jan 2007 Location: GVA
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Originally Posted by donk. | Same here... HSBC increases my HELOC with each mortgage payment.
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06-01-2023, 05:20 AM
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#26245 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2002 Location: Vancouver
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I’m doing this right now. Up to 65% of the value of the home (to a max of 1.5m). But it is basically income based, with other equity helping out a little bit. BMO. From what they told me, only a one or two small reverse type mortgage lenders are equity based.
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06-01-2023, 06:54 AM
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#26246 | | I have named my kids VIC and VLS
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Originally Posted by JDMDreams ^^ tell me which magic lender this is, as far as I know no one lends on equity any more unless it's some private loan shark lender. If this was true everyone can just take out money and drive up property prices even more. | Literally any bank/credit union?
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Dank memes cant melt steel beams
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06-01-2023, 06:59 AM
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#26247 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
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Originally Posted by Qmx323 Bunch in van, one in Brentwood, surprised there isn't one in SurDel | only area in surrey i could really imagine one would be south surrey near white rock
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06-01-2023, 07:58 AM
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#26248 | | Rs has made me the woman i am today!
Join Date: Apr 2014 Location: Van
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Ya so it's all cuz you guys qualified with real income, try applying for a new one if you're on gov cpp oas
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06-01-2023, 08:11 AM
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#26249 | | I *heart* Revscene.net very Muchie
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Originally Posted by JDMDreams Ya so it's all cuz you guys qualified with real income, try applying for a new one if you're on gov cpp oas | That's what I was going to say.
You probably still need some sort of actual income in order to get a NEW loan.
However, those ALPINE credit or whatever commercials have been getting to me: "Own your own home? You're approved". I'm sure they probably charge a much higher interest rates and/or fees though.
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06-01-2023, 08:26 AM
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#26250 | | Willing to sell body for a few minutes on RS
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Meh you got 2 million dollars without lifting a finger. Deal with the interest or have your kids do it. I'd be happy to pay the interest on my mom not going to the food bank when she's leaving me a free house. Not going to cry over only getting a free million instead of 1.2.
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Originally Posted by boostfever Westopher is correct. | Quote:
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Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | | |
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