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01-03-2024, 08:32 PM
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#29426 | Rs has made me the woman i am today!
Join Date: Sep 2006 Location: Vancouver
Posts: 4,157
Thanked 1,346 Times in 589 Posts
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Did someone say what do they do with extra money not invested? Put that shit under the bed mattress, hide from wife and kids lmao lol. When u have family, that extra money if any never seems to see daylight before it gets spent. Maybe just me haha.
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01-03-2024, 09:21 PM
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#29427 | My homepage has been set to RS
Join Date: Jun 2013 Location: Burnaby
Posts: 2,444
Thanked 2,927 Times in 778 Posts
Failed 407 Times in 108 Posts
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Originally Posted by Badhobz i dont have a union pension, im not union i am management.
We got a defined benefits pension which has a set amount when you retire... i think they bumped it to 85k this year. | Sorry to say, but you're not the average Badhobz... lol
For the average person a RRSP is the only thing they'll have. And they would be lucky to have $100k in there by the time they retire. People are so ignorant to finances, it's sad.
I know people who are 75+ who are still working because they need to and they are not in good health. It's pretty sad.
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01-03-2024, 09:38 PM
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#29428 | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,109
Thanked 9,871 Times in 3,926 Posts
Failed 881 Times in 421 Posts
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105 will be the new 75 for the new generation
you'll legit have to go to museum to read about retirements
it'll be like what the dowry used to be
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01-03-2024, 10:35 PM
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#29429 | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,139
Thanked 3,839 Times in 1,397 Posts
Failed 141 Times in 80 Posts
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Nah the top 5% will still retire. The rest of us will have MAID
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01-04-2024, 07:39 AM
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#29430 | Rs has made me the man i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 3,007
Thanked 2,847 Times in 1,222 Posts
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| https://www.zealty.ca/mls-R2832347/2...-Vancouver-BC/
Streetview: https://maps.app.goo.gl/E32zoeMWdS8WsH9n6
This has been posted here before I think but I'm still kinda blown away at:
1. What developer thought it was a good idea to build a new apartment building right in the middle of the worst block in all of Canada?
2. Who the hell would ever choose to buy an apartment in the WORST BLOCK IN ALL OF CANADA? (even for rental income - like what kind of tenants do you think you'll get?)
Edit: Another unit in that building is for sale: https://www.zealty.ca/mls-R2812020/4...-Vancouver-BC/
"Don't miss out on this incredible opportunity for an affordable, turnkey investment that promises significant returns. This well-designed 1 bed/ 1 bath unit boasts a functional layout and features convenient built-ins in both the living room and bedroom, along with stylish laminate flooring and a Euro-style in-suite washer/dryer. Notably, it stands out among the other units in the building by offering both a secure underground parking stall and a locker. Located just steps away from Gastown and Chinatown, this property offers unparalleled convenience with its proximity to a plethora of shops, bars, and exceptional restaurants. Moreover, it warmly welcomes both pets and rentals, making it an ideal choice for a variety of lifestyles."
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Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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01-04-2024, 08:00 AM
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#29431 | RS has made me the bitter person i am today!
Join Date: Apr 2014 Location: Van
Posts: 4,656
Thanked 1,973 Times in 1,042 Posts
Failed 209 Times in 126 Posts
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It's affordable bro, beggars can't be choosers. Authentic Vancouver atmosphere. You can probably make money by streaming what happens outside your window daily......? Profit apartment pays for it self.
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01-04-2024, 08:12 AM
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#29432 | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,665
Thanked 17,353 Times in 5,806 Posts
Failed 291 Times in 187 Posts
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One day that apartment will be worth $$$ when the area gets gentrified. Yaletown and Main St used to be shitholes too.
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01-04-2024, 08:14 AM
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#29433 | in the butt
Join Date: Aug 2016
Posts: 2,851
Thanked 3,590 Times in 1,314 Posts
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Originally Posted by supafamous https://www.zealty.ca/mls-R2832347/2...-Vancouver-BC/
Streetview: https://maps.app.goo.gl/E32zoeMWdS8WsH9n6
This has been posted here before I think but I'm still kinda blown away at:
1. What developer thought it was a good idea to build a new apartment building right in the middle of the worst block in all of Canada?
2. Who the hell would ever choose to buy an apartment in the WORST BLOCK IN ALL OF CANADA? (even for rental income - like what kind of tenants do you think you'll get?)." | If theres profit to be made, why wouldn't you build
Not everyone is supaballin dawg.
If you can deal with walking past methlovers and constant 911 noise, its a great building/deal for the area. The south facing units are actually quite quiet. We maintain their mechanical systems, lots of regular people living there, some crazies, some weirdos....
__________________ 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 mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna. | |
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01-04-2024, 11:39 AM
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#29434 | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,109
Thanked 9,871 Times in 3,926 Posts
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Originally Posted by CivicBlues Nah the top 5% will still retire. The rest of us will have MAID | it's becoming difficult to enjoy watching black mirror because not sure how much if it is a fulfilling prophecy
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01-04-2024, 12:02 PM
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#29435 | Rs has made me the woman i am today!
Join Date: Dec 2009 Location: Burnaby
Posts: 4,219
Thanked 5,384 Times in 2,037 Posts
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Originally Posted by Badhobz i dont have a union pension, im not union i am management.
We got a defined benefits pension which has a set amount when you retire... i think they bumped it to 85k this year. | That pretty much is a union pension bud.
DB pensions don't really exist outside union/public sector jobs any longer.
__________________ Quote:
Originally Posted by MG1 In Mike we Trust | |
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01-04-2024, 12:19 PM
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#29436 | I contribute to threads in the offtopic forum
Join Date: Jan 2005 Location: North Vancouver
Posts: 2,997
Thanked 1,684 Times in 583 Posts
Failed 50 Times in 22 Posts
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Originally Posted by PeanutButter Not sure if this is a joke, but there are not many investments that warrant taking out a HELOC for. | Yes I was joking. I would only recommend HELOC if he wants to move somewhere else while retaining his old place, or pass down the place to his kids, but if they're DINKs and happy with their place there is no reason to.
I'd also rather be debt free but I think the majority of people my age have accepted that we will have a mortgage until retirement.
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01-04-2024, 01:21 PM
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#29437 | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2002 Location: Vancouver
Posts: 8,344
Thanked 3,986 Times in 1,538 Posts
Failed 35 Times in 27 Posts
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I think DBs are pretty much dead everywhere now. Even the city jobs are switching to DC unless you have one already.
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01-04-2024, 01:26 PM
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#29438 | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 37,742
Thanked 15,067 Times in 6,026 Posts
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I just got a DB pension.. heheh
Already figured out I can retire at 56 lol
A friend of mine works for Vancouver school board basically a labourer who apperently has a DB pension as well but everyone there makes fucking peanuts yet they all hang their hat on having a DB pension lol
Good luck with your life when you’ve been making 70k a year to get that pension 35 years later
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Dank memes cant melt steel beams
Last edited by Hondaracer; 01-04-2024 at 01:34 PM.
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01-04-2024, 01:33 PM
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#29439 | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,189
Thanked 10,689 Times in 3,836 Posts
Failed 478 Times in 242 Posts
| Quote:
Originally Posted by mikemhg That pretty much is a union pension bud.
DB pensions don't really exist outside union/public sector jobs any longer. | Railroad is DB. Both cn and cp. so is most of the port terminals operators and port authority.
That’s the extent of my knowledge so yeah I guess you’re right.
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01-04-2024, 01:55 PM
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#29440 | My homepage has been set to RS
Join Date: Aug 2002 Location: AB/BC
Posts: 2,223
Thanked 1,207 Times in 386 Posts
Failed 26 Times in 10 Posts
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Originally Posted by Hondaracer I just got a DB pension.. heheh
Already figured out I can retire at 56 lol
A friend of mine works for Vancouver school board basically a labourer who apperently has a DB pension as well but everyone there makes fucking peanuts yet they all hang their hat on having a DB pension lol
Good luck with your life when you’ve been making 70k a year to get that pension 35 years later | I hear this kind of mentality quite a bit. People working minimum wage jobs that they don’t want to upgrade because of “benefits” when in reality their dental etc is capped yearly at like $1500. So clueless. Same as the people who refuse overtime as they think they’ll make less.
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They/them
69 Camaro LS/T56
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01-04-2024, 02:02 PM
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#29441 | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,665
Thanked 17,353 Times in 5,806 Posts
Failed 291 Times in 187 Posts
| Quote:
Originally Posted by Hondaracer I just got a DB pension.. heheh
Already figured out I can retire at 56 lol
A friend of mine works for Vancouver school board basically a labourer who apperently has a DB pension as well but everyone there makes fucking peanuts yet they all hang their hat on having a DB pension lol
Good luck with your life when you’ve been making 70k a year to get that pension 35 years later | You're almost in the same boat as me from this perspective... if I stay where I am I can go bye bye at 55 with full pension.
Staying where I am until then is going to be a fuckin monumental undertaking in patience and cognitive dissonance though.
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01-04-2024, 02:07 PM
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#29442 | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 37,742
Thanked 15,067 Times in 6,026 Posts
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Yea the longest I’ve stayed at a job was 9 years and it was daunting towards the end to imagine staying there any longer lol
The fucking Telus pension I used to have was garbage though, I worked with a guy who’d been there for 17 years and after that length of service, at 65 he was going to get $1700 a month.. he also said he had very little in terms of investments or savings because he saw the pension as his retirement
I was like bro, you can’t even afford a basement suite on that
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Dank memes cant melt steel beams
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01-04-2024, 02:36 PM
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#29443 | Need to Seek Professional Help
Join Date: Mar 2013 Location: Vancouver
Posts: 1,096
Thanked 1,285 Times in 445 Posts
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My mom's old workplace got rid of the DB they had, to change to DC. They had a vote on it and people were like "yeah I want control of my money" and then freaked out because they couldn't spend it on vacations and boats and cars. One was so upset he had to put the funds into RSPs rather then buy the boat he wanted that he saw a lawyer about it.
It was an industrial linens place, and folks working there were definitely not financially literate. Pretty sure some weren't even literate in English.
I'm in a DB, and can take an unreduced pension at 55. Company will probably throw packages at us to get us out earlier though.
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01-04-2024, 02:43 PM
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#29444 | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,574
Thanked 3,780 Times in 1,345 Posts
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Originally Posted by Hondaracer Yea the longest I’ve stayed at a job was 9 years and it was daunting towards the end to imagine staying there any longer lol | Not counting the jobs I had in high school and college I've only worked two jobs over the last 25 years, this is my 12th year at my current workplace. I'm in construction (non-union) no pension at all.
I've actually really been struggling the last little while on what to do. I feel I'm capped as far as salary goes at this Company, I've had both recruiters and our competition reaching out to me to try and poach me but I've always declined even entertaining it (had the largest company in our industry reach out to me 4 weeks ago and their office is 7 mins from my house), part of that is loyalty but the biggest part of that is the ability to WFH as much as I want.
Right before Christmas my boss is dropping off my small bonus, I'm talking like 4:30 on the Friday before Xmas (Normally we get bonused out weeks in advance so I didn't think anything was coming), I was expecting Jelly of the month club but they did a little better than that. Anyway, he mentions that he wants to shake some things up in the new year, he'd like me to start coming in more to work in the office which honestly I'm not totally against but I guarantee my production goes down proportionally to how much I'm in the office, there are just way too many distractions.
More than ever I'm thinking of at least following up with some of those other companies, see what their offering because I'm fucking miserable at the moment and last year was the best year I've ever had as far as metrics go by 3x so I should be happy but I'm not.
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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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01-04-2024, 03:35 PM
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#29445 | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,665
Thanked 17,353 Times in 5,806 Posts
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Not that I'm an expert by any means, I like to ask people for advice all the time on my own situation... but what I'm reading in your post made me think to myself "They're asking for more, and you're getting less... satisfaction especially... time to move on"
If your boss is taking away WFH and that's your main reason not to go to the place that's 7 minutes away and has a higher ceiling if they're a big player? That's a done deal right there in my mind.
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01-04-2024, 03:44 PM
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#29446 | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,574
Thanked 3,780 Times in 1,345 Posts
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Originally Posted by 68style Not that I'm an expert by any means, I like to ask people for advice all the time on my own situation... but what I'm reading in your post made me think to myself "They're asking for more, and you're getting less... satisfaction especially... time to move on"
If your boss is taking away WFH and that's your main reason not to go to the place that's 7 minutes away and has a higher ceiling if they're a big player? That's a done deal right there in my mind. | Yeah, more opportunities just based on the volume of work they do and bigger teams. Money wise I don't know, this would have to be a discussion.
If I was 10 years younger I'd just start my oqn company, I know this business inside out and have so many contacts. Another option is go work for a GC, I've also been asked by a few of those if I'd be interested in making the switch. There would be more money there for sure but definitely kiss WFH goodbye and the hours would be a lot worse but the ceiling would be raised significantly.
Maybe I'm going through a mid life crisis but I know today and for a while I really have not been that happy. Don't get it totally wrong, some of the things I get working where I'm at I'd probably never get anywhere else, like the abilty to pick what I'm working on and for the most part choose the direction of what projects we're going to go after and which ones we're going to pass on.
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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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01-04-2024, 04:07 PM
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#29447 | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,665
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I turned down a job with a $20k/year pay increase because it required every day in the office and commuting to a different city.
The 1.5 hours I'd spend every day driving + insurance increase + gas + missing time with my 17.5 year old dog and GF... that $20k is nothing just like that lol...
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01-04-2024, 04:14 PM
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#29448 | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,189
Thanked 10,689 Times in 3,836 Posts
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You should start your own business quasi. Makes sense to me. You’re not that old yet and you shouldn’t let that hold you back.
It’s the only real way to ensure you get what you want.
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01-04-2024, 04:18 PM
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#29449 | nuggets mod
Join Date: Feb 2002 Location: richmond
Posts: 7,065
Thanked 3,835 Times in 987 Posts
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Originally Posted by 68style The 1.5 hours I'd spend every day driving + insurance increase + gas + missing time with my 17.5 year old dog and GF... that $20k is nothing just like that lol... | I think you need an oxford comma there.. but i'm not positive
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I searched for truth, and all I found was You
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01-04-2024, 04:19 PM
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#29450 | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,665
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I mean 17.5 is old enough for a GF in Canada... and so what if I think she's ugly!!!
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