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Old 12-01-2017, 10:54 AM   #11076
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Quote:
Originally Posted by haymura View Post
Can someone dumb this down for me. What yray is explaining is exactly what my situation is right now. Im working a full-time job making 40k a year and I took a part-time job that pays $12/hr for 30hrs a week. Are you guys saying my 2nd job is fruitless and not worth it?
https://www.canada.ca/en/revenue-age...s.html#federal

Federal
Quote:
15% on the first $45,916 of taxable income, +
20.5% on the next $45,915 of taxable income (on the portion of taxable income over $45,916 up to $91,831), +
26% on the next $50,522 of taxable income (on the portion of taxable income over $91,831 up to $142,353), +
29% on the next $60,447 of taxable income (on the portion of taxable income over $142,353 up to $202,800), +
33% of taxable income over $202,800.
Plus BC (Provincial)
Quote:
5.06% on the first $38,898 of taxable income, +
7.7% on the next $38,899, +
10.5% on the next $11,523, +
12.29% on the next $19,140, +
14.7% on the amount over $108,460
For your income now concerned these are your ranges
first $38,898 20.06%
over $38,898 up to $45,916 22.70%
over $45,916 up to $77,797 28.20%

If you work more, you'll pay more taxes obviously but it'lll just feel incrementally less "worth it" as the cut gets deeper. Imagine making $15/hour and basically getting $10/hr after taxes after your existing 40-50 hours week.
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Old 12-01-2017, 10:54 AM   #11077
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Thank you hakkaboy

wow, god how many times do we have to go over this in this thread.

No one has ever lost money working more due to taxes. Whether or not you actually come out ahead is subjective due to the law of diminishing returns and the 80/20 rule (google it).
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Old 12-01-2017, 11:15 AM   #11078
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Back to some somewhat real estate-related questions:

1) is anyone living with their inlaws?
2) is anyone crazy enough to live with both your parent(s) and inlaws in the same house?

Crazy propositions, I know. But drastic times calls for drastic measures -- or at least considerations of drastic measures. Additionally, it would allow some level of care for the aging parents.

Esp with proposition #2, I cannot see it working out well at all, even when the parents and inlaws are generally on good terms under normal social circumstances. But suppose the main floor and the basement suite can function as separate and independent units, each with its own kitchen, bathroom, etc (but I would imagine a shared laundry area, with the possibility of having 2 separate washing / drying machines). Is it at all do-able?
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Old 12-01-2017, 11:44 AM   #11079
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Living with in laws or your own parents has been a tried and true practice among immigrant communities in Canada for generations.

We had my mom's parents in our basement for nearly a decade. It caused my dad some consternation, but he put up with it because that's just the way it goes. Now that my grandmother is widowed, she's back with my parents and likely will be there until its her time to go.

Multi generational house holds were pretty common in East Van and parts of the west side that were home to the Chinese, like Marpole.

The humble Vancouver special was ingenious.
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Old 12-01-2017, 12:48 PM   #11080
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i imagine if you're staying with parents and making stupid income with a good job you could be able to afford a down payment in a couple of years pinching pennies just on the basics of food and power.

or you can be an idiot buying a brand new bmw to try impress people till repairs come killing the entire dream of being able to afford your own place,I've saw suckers do this one before. or needless endless traveling with party's around the globe.
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Old 12-01-2017, 01:00 PM   #11081
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i imagine if you're staying with parents and making stupid income with a good job you could be able to afford a down payment in a couple of years pinching pennies just on the basics of food and power.

or you can be an idiot buying a brand new bmw to try impress people till repairs come killing the entire dream of being able to afford your own place,I've saw suckers do this one before. or needless endless traveling with party's around the globe.
are you stalking me?
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Old 12-01-2017, 01:14 PM   #11082
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or needless endless traveling with party's around the globe.
and marry some rich chick and end up living in some place in europe
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Old 12-01-2017, 01:19 PM   #11083
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Originally Posted by Traum View Post
Back to some somewhat real estate-related questions:

1) is anyone living with their inlaws?
2) is anyone crazy enough to live with both your parent(s) and inlaws in the same house?

Crazy propositions, I know. But drastic times calls for drastic measures -- or at least considerations of drastic measures. Additionally, it would allow some level of care for the aging parents.

Esp with proposition #2, I cannot see it working out well at all, even when the parents and inlaws are generally on good terms under normal social circumstances. But suppose the main floor and the basement suite can function as separate and independent units, each with its own kitchen, bathroom, etc (but I would imagine a shared laundry area, with the possibility of having 2 separate washing / drying machines). Is it at all do-able?
We did #1 when we moved back from Toronto while looking for a place instead of renting for a few months It wasn't as bad as I thought it'd be and I'm super happy and fortunate that the inlaws were ok with it. They don't have anyone renting or using their basement so it was perfect.

I just can't imagine doing #2 at all mostly because my mom drives me crazy lol. It'd have to be separate enough that it seems like we're not even living in the same house.
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Old 12-01-2017, 01:25 PM   #11084
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Quote:
Originally Posted by Traum View Post
Back to some somewhat real estate-related questions:

1) is anyone living with their inlaws?
2) is anyone crazy enough to live with both your parent(s) and inlaws in the same house?

Crazy propositions, I know. But drastic times calls for drastic measures -- or at least considerations of drastic measures. Additionally, it would allow some level of care for the aging parents.

Esp with proposition #2, I cannot see it working out well at all, even when the parents and inlaws are generally on good terms under normal social circumstances. But suppose the main floor and the basement suite can function as separate and independent units, each with its own kitchen, bathroom, etc (but I would imagine a shared laundry area, with the possibility of having 2 separate washing / drying machines). Is it at all do-able?
i dunno about how dire the financial circumstances are, but as an asian myself i'd probably KMS than have to live with asian parents and in laws or whatever
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Old 12-01-2017, 01:25 PM   #11085
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i imagine if you're staying with parents and making stupid income with a good job you could be able to afford a down payment in a couple of years pinching pennies just on the basics of food and power.

or you can be an idiot buying a brand new bmw to try impress people till repairs come killing the entire dream of being able to afford your own place,I've saw suckers do this one before. or needless endless traveling with party's around the globe.
You're listing 2 extremes. Both are poor ways to live. Need a balance, especially when you're young and still growing/ learning. Travel a little bit is recommended.
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Old 12-01-2017, 01:27 PM   #11086
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Glad the confusion over the the income tax was taken care of. Seems like we come across someone who thinks you take home less money by working more every year.

@nikko I agree, finding a balance is important. Otherwise you just work all your early years towards building equity and now you regret not enjoying yourself a little bit
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Old 12-01-2017, 01:29 PM   #11087
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It would be tough to live with my parents, I love em but I don't want to live with them if there's another option. They come visit me for a week or 10 days that's great just enough time but any longer? Nope.
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Old 12-01-2017, 01:42 PM   #11088
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Quote:
Originally Posted by Traum View Post
Back to some somewhat real estate-related questions:

1) is anyone living with their inlaws?
2) is anyone crazy enough to live with both your parent(s) and inlaws in the same house?

Crazy propositions, I know. But drastic times calls for drastic measures -- or at least considerations of drastic measures. Additionally, it would allow some level of care for the aging parents.

Esp with proposition #2, I cannot see it working out well at all, even when the parents and inlaws are generally on good terms under normal social circumstances. But suppose the main floor and the basement suite can function as separate and independent units, each with its own kitchen, bathroom, etc (but I would imagine a shared laundry area, with the possibility of having 2 separate washing / drying machines). Is it at all do-able?
You cannot have 2 Queen Bees in one household (Your wife and your mom).

That is all.
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Old 12-01-2017, 01:58 PM   #11089
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^ Or in Traum's hypothetical situation. 3 Queen Bees (Your wife, your mom, your MIL).

Love my parents, but I think I'd rather insert a red hot poker into my rectum than be in that situation.
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Old 12-01-2017, 02:33 PM   #11090
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I’d live with my parents and we’ve even considered down the road buying a home with potential for a lane way for them to live in when they sell their current home. We’ve always got along and have very similar mentalities on a lot of things, we definitely butt heads on some issues but they are trivial in the big scheme.

Not sure what it’s like in asian families but I can definitely see some conflict just as an external observer of long time friends etc and their parents lol

Ideally if you could make it work and have a couple good careers, you could hypothetically save a tonne and be buying rental properties all the while being essentially subsidized by family.

A lot of people I knew growing up could never get around the concept of joint wealth. Ie. your parents money is your families money, your money, etc. it’s better to build overall wealth than it is to suck a resource dry. Everyone benefits in the long run as long as they share that outlook.
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Old 12-01-2017, 03:31 PM   #11091
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Love my parents, but I think I'd rather insert a red hot poker into my rectum than be in that situation.
Agreed.
My parents are awesome, but I have to be pretty down and out to EVER consider moving back home with them.

Like dick in my mouth, needle in my arm kind of down and out. That's pretty down and out.....
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Old 12-01-2017, 03:53 PM   #11092
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Who said a dick in the mouth is down and out?
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Old 12-01-2017, 04:11 PM   #11093
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lotta quasi-gay analogies fudging up around this thread, I should get out of this closet.
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Old 12-01-2017, 04:31 PM   #11094
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My parent's used to say that I was welcome to move back home, rent free, so long as I was going to school. After being laid off (the whole plant closed), I registered for school. But my dad was forced to take an extended medical leave and "retire." He said fuck it, sold the house and moved to the Island, throwing a wrench in my plans. I am kinda glad I didn't move back in with them as I would have been driven crazy.

Now my dad has a pacemaker, stage 4 melanoma (in the clear for 3 months) and I'm almost certain my family moving in with him and my mom would be the death of him. Either we would be at eachother's throats (like the good old days), or my kids would drive him nuts. Plus Parksville isn't the ideal place to raise a family with all the old people.
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Old 12-02-2017, 01:05 PM   #11095
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Not sure if this article was posted but no surprise, Hope something substantial comes as a result.

As many here are frustrated with, the corruption on multiple levels.


?More to come? on money laundering allegations, attorney general says | Vancouver Sun
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Old 12-02-2017, 05:38 PM   #11096
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Anyone here made the transition of moving from the mainland to the island? Girlfriend and I will be looking to move out possible this spring/summer and really the only option of owning a house is either chilliwack or the island. Otherwise it will be an apartment or town home.

Island is not high on our option list, but it is there. Anyone who has done it, can you share how it has been? Do you regret not opting for less and staying on the mainland? Has it grown on you and actually love it?

Also anyone who has considered it and later avoided it mind sharing their reasons and deciding factors.
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Old 12-02-2017, 10:07 PM   #11097
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Depending where you are on the island there is really no better place. Unless you want restaurant/nightlife.
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Old 12-03-2017, 10:29 PM   #11098
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I'm looking for a mold specialist to do inspections, do you guys have any suggestions?
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Old 12-03-2017, 10:38 PM   #11099
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Anyone here made the transition of moving from the mainland to the island? Girlfriend and I will be looking to move out possible this spring/summer and really the only option of owning a house is either chilliwack or the island. Otherwise it will be an apartment or town home.
I spend a significant amount of time on Vancouver Island for work, but live in the Lower Mainland.

You'll notice a difference, in that people (in general) seem to be more relaxed on the island and enjoy their work-life balance. Many folks who have been there for a while also really love it and have no desire to live on the mainland, given the congestion, increased number of ppl, and so on. Drivers are also more courteous, but also tend to drive slower lol.

Pretty much most things that are available in Lower Mainland are available there as well, though they don't have a T&T, IKEA, any official Apple stores (have stuff at Best Buy, different independent Apple shops, etc.), and some other items.

For big concerts and other activities (NHL games, etc.) you'll of course need to travel to the mainland, and most folks will make it a weekend trip. The ferry is fine but the costs add up quickly, especially if you're coming by vehicle. Plane and helicopter will cost even more.

Lots of good farm to table type restaurants, and there's more and more people moving to the island, especially in the last while--e.g., folks who sell their Vancouver place and go over there. Friends who have done that have no regrets, but their attitude might also be influenced by the extra money they've made from selling their home on the mainland.

Downtown Victoria is pretty small--you can walk the entire thing relatively quickly. Parking is free after 6 pm and on Sundays and holidays. First time I drove downtown that blew my mind haha.

In terms of jobs, the big employer would be the government. There's supposed to be a growing tech sector as well, but I'm not as familiar how much it's growing or not.
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Old 12-04-2017, 05:57 AM   #11100
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I spend a significant amount of time on Vancouver Island for work, but live in the Lower Mainland.

You'll notice a difference, in that people (in general) seem to be more relaxed on the island and enjoy their work-life balance. Many folks who have been there for a while also really love it and have no desire to live on the mainland, given the congestion, increased number of ppl, and so on. Drivers are also more courteous, but also tend to drive slower lol.

Pretty much most things that are available in Lower Mainland are available there as well, though they don't have a T&T, IKEA, any official Apple stores (have stuff at Best Buy, different independent Apple shops, etc.), and some other items.

For big concerts and other activities (NHL games, etc.) you'll of course need to travel to the mainland, and most folks will make it a weekend trip. The ferry is fine but the costs add up quickly, especially if you're coming by vehicle. Plane and helicopter will cost even more.

Lots of good farm to table type restaurants, and there's more and more people moving to the island, especially in the last while--e.g., folks who sell their Vancouver place and go over there. Friends who have done that have no regrets, but their attitude might also be influenced by the extra money they've made from selling their home on the mainland.

Downtown Victoria is pretty small--you can walk the entire thing relatively quickly. Parking is free after 6 pm and on Sundays and holidays. First time I drove downtown that blew my mind haha.

In terms of jobs, the big employer would be the government. There's supposed to be a growing tech sector as well, but I'm not as familiar how much it's growing or not.
This ones true for sure, we do quite a bit of construction on the Island. We have to allow so much more for labour over there because generally speaking Island workers (at least in the construction industry) are really laid back and like to take it slow, some might say lazy but we'll go with laid back.

At times it can be more productive and cost effective to bring people in from other parts of the Province and pay LOA then it is to hire local workers which is kinda messed up but it's the cost of doing business over there.
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