2021.09.18 02:37 dirtyuzbek First time buying home with parents help. Looking for any advice to consider.
I'm 28 years old, making about 70-75k pre tax, no debt, but haven't invested in TFSA or RRSP, and have about 70k in HISA (yes I know the idea is to invest all in TFSA and atleast beat inflation but I don't want to get into that without doing all my research and feeling more comfortable about it).
I can't really live at my family home anymore (personal need to have my own place to grow as an independent adult) but my family is very supportive and they want to help me get a home that I can also rent out (I would probably live in the basement and rent the rest of the house out until I get my own family - no partner right now btw). Parents have about 2 years left on their mortgage. My dad would co-sign. I spoke with a mortgage broker and he said we can probably get pre-approved for 900k-1M. I would use my savings, and my parents would take out a line of credit to help for the downpayment (thinking around 200k downpayment).
Looking to buy a home within GTA but more mid/up town.
I'm looking for any advice to consider as I go towards this goal.
It's a big debt to take on but it's also an investment and provides me with equity. I'm also aware that I will have to invest in renovations but renovation costs don't appreciate like housing prices do so that's okay. I'm also looking for another job which should pay more than my current one as I have a graduate degree and 3 years of experience (hopefully atleast 90k).
All advice is appreciated! Thank you to everyone who took the time to read and provide input.
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2021.09.18 02:37 cpanther21 Respawn, let's make a deal...fix your servers...or else..
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2021.09.18 02:37 lilpeachnymph Find Answers, Get Results | Transformative Psychic Readings with Virginia Orseth
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2021.09.18 02:37 keebler77 Can anyone translate/ explain what this is exactly? I found it today, it belonged to my grandmother
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2021.09.18 02:37 Funtimesans What’s you favourite song?
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2021.09.18 02:37 17GRIEZMANN17 This the guy who sound like uzi on tik tok not bad 🌚👍
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2021.09.18 02:37 cool_cryptoboy You can now swap safemoon to busd and busd to safemoon on the wallet
2021.09.18 02:37 Reddy4Redheads For an adult, what vibes does Andrew (not Andy or Drew) give off?
I 25 and thinking of changing my name to Andrew.
I don’t like the NNs Andy or Drew but have always loved Andrew, despite the Prince Andrew saga.
So I just wondered, what vibes does the name Andrew give off? What kind of guy does it make you think of?
Thanks for your help!
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2021.09.18 02:37 BeneficialTrain737 Did you know jake paul might be ritering from boxing? Watch this video to see the details! And may be subscribe.
2021.09.18 02:37 smashymouse well fuck
i don’t know what to do anymore. i still feel you. maybe tonight’s not the night. you know how to find me and i trust you will when the time is right. i was really looking forward to seeing you today and i would still like to, but i know i can’t count on it. i really hope i find answers soon. this hurts and i want it to stop. i really hope this isn’t one massive fucking delusion of mine, it doesn’t feel like it is. please release me when you are ready, or give me a sign or something. i have faith that this is not the last time. although i may not pass every test first time around, i try every time. i love you and i can’t convince myself to steer away from you. i’ll endure whatever pain you throw at me. you are worth it.
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2021.09.18 02:37 ponderingprogressive What’s going on with people complaining Twitter is forcing accounts to unfollow other accounts they follow?
2021.09.18 02:37 Euphoric_Effect9415 Am I right to be upset over my boyfriend posting a sexy girl on his story?
I’m asking this question because I genuinely feel upset by it. My boyfriend (male 19) and I (female 19) have been dating for about 6 months. He is my first real relationship. Because of that, I feel like I shouldn’t be getting upset over little things, since I don’t know the right way to react. But this has really rubbed me the wrong way.
My boyfriends is all about cars, and he is in a car group with a bunch of other guys. He posted on his Instagram story a sexy picture of a girl in a tight red dress leaning against his friends car.
At first it was like a blow to the chest, and I decided to try and laugh it off. I messaged him and said “is this you trying to get me to be more sexy?” And he just said it was his friends care with a laughing emoji.
At this point I felt pretty upset and compared his interests to mine (tattoos) I said “Yea but I’m not gonna post sexy pics of my guy friends on my story just cause it shows his tattoos in it” and he just sent “what?” With another laughing emoji.
Should I be upset over this? He knows I would feel uncomfortable by this (and he’s the one that gets mad at me for watching p0rn?)
I really just need to know whether or not I’m making a big deal out of nothing.
Thank you all much love.
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2021.09.18 02:37 Tabbythelonewolf Small dog constantly having accidents
My dog's name is chia she is 4 years old. She is potty trained the only problem is that at night she has to go to the bathroom and i don't always hear her. I have no idea how to fix this problem. I know that its not her fault that she is a small dog with a small bladder. Should i take up the water at night? I read somewhere that dogs should always have access to water but i could be wrong. If i take it then she gets really agitated and scratches at the doors to get some. So idk i just need some advice because i know my husband is beyond fed up.
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2021.09.18 02:37 Laikathehusky Happy pups
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2021.09.18 02:37 luckdee I was watching a lady bug threw my jewelers glass and she suddenly dropped these little (I’m guessing eggs or blue poop down right I. My plant. It was so crazy. Maybe that’s why she was standing still for my glass!
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2021.09.18 02:37 Fordler Finally after many months and delays, I can finally say that I am a member of the Paranormal Artbooks gang!
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2021.09.18 02:37 Scaredofmanuallabor BREAKING NEWS: GOVERNOR OF VERMONT AND FORMER PRESIDENT DEFIANT ASSASINATED BY MEMBER OF RIGHT WING MILITIA
2021.09.18 02:37 MahaloGoldstein Need help installing old version of Deluge
I'm running Linux Mint Cinnamon, and need version 1.3.15-2 of Deluge installed. So far, I haven't found any .deb packages hosted anywhere and all repositories use the latest 2.0.3 version which won't work for me.
I'm new to linux, and any time I have to deviate from packages and repositories, I get completely lost. Thanks in advance.
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2021.09.18 02:37 Complete-Weather2148 1 year no Facebook coming October 29
2021.09.18 02:37 duukesiilver DAE really struggle with lying and hiding things?
My boyfriend and I have major issues because of my lying. It’s caused him not to trust anything that I say and suspect me of hiding even more lies that I haven’t come clean about. Most of the time I don’t even do it intentionally. He asks me a question and my brain doesn’t even process before I’ve given an answer. Sometimes it’s a lie and sometimes I’ve left off an important detail. Sometimes I don’t even realize I’m lying because I’ve misremembered something and don’t remember until later. They aren’t huge lies, like I’m not hiding affairs or cheating or anything like that. But once I’ve said it, I run with it and have to stick with it. I fear that if I confess then he will leave me or give up on me. It got to the point where the more that I lied, the more I had to continue lying and it just drained me entirely.
I know this stems from my childhood and my relationship with my mom. When I would mess up, I was ignored, chastised, and shamed. And now I’m afraid that the one person I love will do the same every time I mess up.
Please tell me I’m not alone. I’d love to hear what helps others in this situation.
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2021.09.18 02:37 Boners_from_heaven 28 - PC - PST Looking for gaming friends
Hello there! I'm looking for people to play games and have some fun with! I'm 28 as the post says, I'm easy going and like to have a good laugh. I have a full-time job but still play games most days after work.
I play a fair amount of CS: GO, but I'm open to the majority of games, everything from Minecraft to Dark Souls to Warzone to Starcraft. I'm willing to try out most games provided the people I'm playing with are cool.
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2021.09.18 02:37 anonstoner69420 Can someone pls translate lol?
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2021.09.18 02:37 MikeGoldberg Whistlindiesel gets a 6.0 powerstroke
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2021.09.18 02:37 Jonathan_Jin_Art I painted a Dog! By Jonathan Jin, Acrylic on canvas, 2020
2021.09.18 02:37 The_Ineffable_Sage Teachers of Reddit: have you ever pulled a Dead Poet Society on your kids, and what lesson did they learn?