RicardoObviouso

charles is a maven overcompensator.

thats exactly what i meant.

I try to come up with an excuse to buy this thing, and I can't. no justification. and I love apple products. I got a kindle from a friend for Christmas and I haven't used it yet, so the book thing means nothing to me. plus I feel that the kindle would have it beat in that department solely on the color of the screen and the (lack of) brightness and contrast.

I guess one's standards are substantially lowered whilst employed in the military, eh?

at least "boring" is relative.

girls talking about eating cheese. NOT SEXY

if your 12.

ice cream. local news or national?

i bite my finger nails.

nada. camo or khaki?

at this point in my life, i don't care. its not ignorance, its trust in our government system. pepsi or coke?

I guess I'd choose metallica. you get to a fork in a road you've never been down in a place you've never been. left or right and why?

I earned my money in the finance industry. now a collection of small profitable businesses provide my ongoing income.

interesting

that shouldn't worry you. your "dream house" has been bought and sold a dozen times. there's more wrong with playing ignorant and falling in love with the first place you see than taking the time before you're ready to buy to get a good feel for your market. if you start looking now, you'll be an expert by the time you're in a position to put in an offer. you can meet with a realtor, give them your desires and parameters and they'll send you properties that meet your criteria as they hit the market. you can view them online and go to the open houses of the ones that interest you. yeah you're going to be in the 500-600 sq ft range, for sure. that's why you have to insist on seperate storage, because in suite storage takes away living space. there's nothing wrong with wanting new, I'm the same way. you just pay a bit of a premium for it...everyone prefers it but sometimes you get a little more for a little less if you open your mind.

yeah you can find it all. yes, when interest rates increase generally the market opens up, meaning more choice. prices won't physically go down, you'll just have more to choose from, meaning sellers have to SELL as opposed to just listing, if you know what I mean. EVERYTHING is selling right now because there's not a lot to choose from. Canada is not like the US. the masses aren't going to panic if rates go up 2-3 points because this city has lots of foreign money, not domestic credit. my advice is to start looking now, to get familiar with what goes for $350k, so when something great comes along, you're informed. maybe Jenny Good can be your realtor!

hbp is the home buyers plan in which first time home owners can use existing rrsp contributions as a downpayment while still keeping them sheltered. the only issue is that in order to qualify, the residence had to be primary, and if your mother owns it, it's not primary. also, it would be in her best interests to not purchase the residence in full, as she'll have to pay a higher tax rate on the money you pay her (she's essentially running a profitable business). if she's not planning on claiming the money then it won't matter until she transfers the property into your name. regardless it's a huge head start for you and kevin, congrats. there's lots of cool stuff out there right now... just make sure you have at least 1.5 bathrooms, seperate storage and a parking spot.

yeah i guess factoring in strata fees, it would probably be an extra $600-800 per month if you took on a loc. without knowing the fine details, i have to say that rrsp and hbp are ineligible in this situation, because the home would be considered an investment property (your mom is the owner and you're paying her)... BUT the advantage to that would be that when the real estate does become yours, you can borrow against it, make IT an investment property and then use your hbp and your equity to buy that house in kits you see in your future. this will make you a real estate baroness if you play it right ;)

thats exciting! i sold my yaletown apartment in 2007 for $315,000. it was 505 square feet on the 7th floor. you two should consider getting a line of credit and bumping that $350 up to 400 or 425k. there's some beautiful lofts listed right now in that price range.

scheduling the paralympics after the olympics is like having u2 open for the barenaked ladies

"love is better than hate" -ricardo obviouso

my gf had my hockey gear in the back of the truck those days and i kept checking in with her to make sure it was safe. hahaha. new pilot being filmed in vancouver right now... True Blue.. starring Poppy Montgomery from Without A Trace. not sure what his role is, but Malcolm Jamal Mayers (theodore) from The Cosby show is on too. girlfriend had wardrobe drop $1300 on christian louboutin stilettos because she liked the way they looked on camera.... for a cop show. hahahaha

i think so. i've never seen her on a call sheet and, hey, danny glover cameo'd in the pilot. by the way, i think it'll be a slim chance on that fringe memorabilia, gf hasn't worked on that show since the 2nd or 3rd episode of season 2.

too many to pick just one. las time you ate breakfast sausage?

'what the dog saw' by malcolm gladwell & "confessions of a crazy hockey dad" by bob mckenzie how are you, really?