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12-01-2017, 10:54 AM
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#11076 | RS controls my life!
Join Date: Apr 2004 Location: Vancouver
Posts: 721
Thanked 235 Times in 92 Posts
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Originally Posted by haymura 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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12-01-2017, 10:54 AM
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#11077 | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,132
Thanked 3,837 Times in 1,396 Posts
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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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12-01-2017, 11:15 AM
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#11078 | Orgasm Donor & Alatar owned my ass twice!
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,967
Thanked 6,702 Times in 2,705 Posts
Failed 255 Times in 141 Posts
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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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12-01-2017, 11:44 AM
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#11079 | OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2001
Posts: 5,026
Thanked 2,538 Times in 1,155 Posts
Failed 81 Times in 54 Posts
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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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12-01-2017, 12:48 PM
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#11080 | Rs has made me the woman i am today!
Join Date: Jan 2011 Location: Vancouver DT
Posts: 4,322
Thanked 2,797 Times in 916 Posts
Failed 1,257 Times in 270 Posts
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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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Fly Your Own Flag.
Last edited by Mr.Money; 12-01-2017 at 12:51 PM.
Reason: i
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12-01-2017, 01:00 PM
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#11081 | Need to Seek Professional Help
Join Date: Jun 2010 Location: Vancouver
Posts: 1,011
Thanked 528 Times in 187 Posts
Failed 79 Times in 22 Posts
| Quote:
Originally Posted by Mr.Money 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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12-01-2017, 01:14 PM
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#11082 | Rs has made me the woman i am today!
Join Date: Jan 2012 Location: PENIS
Posts: 4,291
Thanked 4,157 Times in 1,303 Posts
Failed 297 Times in 125 Posts
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Originally Posted by Mr.Money or needless endless traveling with party's around the globe. | and marry some rich chick and end up living in some place in europe
__________________ There's a phallic symbol infront of my car Quote:
MG1: in fact, a new term needs to make its way into the American dictionary. Trump............ he's such a "Trump" = ultimate insult. Like, "yray, you're such a trump."
| bcrdukes yray fucked bcrdukes up the nose
dapperfied yraisis
dapperfied yray so waisis
FastAnna you literally talk out your ass
FastAnna i really cant
FastAnna yray i cant stand you
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12-01-2017, 01:19 PM
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#11083 | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: YVR
Posts: 4,518
Thanked 1,275 Times in 434 Posts
Failed 62 Times in 24 Posts
| Quote:
Originally Posted by Traum 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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12-01-2017, 01:25 PM
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#11084 | I contribute to threads in the offtopic forum
Join Date: Apr 2007 Location: n zone
Posts: 2,660
Thanked 1,910 Times in 606 Posts
Failed 325 Times in 112 Posts
| Quote:
Originally Posted by Traum 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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12-01-2017, 01:25 PM
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#11085 | I help report spam so I got this! <--
Join Date: Dec 2010 Location: Vancouver
Posts: 2,867
Thanked 1,215 Times in 535 Posts
Failed 275 Times in 114 Posts
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Originally Posted by Mr.Money 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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12-01-2017, 01:27 PM
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#11086 | RS has made me the bitter person i am today!
Join Date: Nov 2010 Location: /
Posts: 4,874
Thanked 2,583 Times in 995 Posts
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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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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned] |
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12-01-2017, 01:29 PM
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#11087 | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,574
Thanked 3,777 Times in 1,345 Posts
Failed 83 Times in 42 Posts
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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.
__________________
“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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12-01-2017, 01:42 PM
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#11088 | Rs has made me the man i am today!
Join Date: May 2002 Location: van
Posts: 3,412
Thanked 494 Times in 214 Posts
Failed 46 Times in 23 Posts
| Quote:
Originally Posted by Traum 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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12-01-2017, 01:58 PM
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#11089 | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,132
Thanked 3,837 Times in 1,396 Posts
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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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12-01-2017, 02:33 PM
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#11090 | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 37,732
Thanked 15,064 Times in 6,023 Posts
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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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Dank memes cant melt steel beams
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12-01-2017, 03:31 PM
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#11091 | they call me the snowman
Join Date: Apr 2001 Location: online
Posts: 19,749
Thanked 3,993 Times in 1,374 Posts
Failed 187 Times in 91 Posts
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Originally Posted by CivicBlues
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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12-01-2017, 03:53 PM
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#11092 | My homepage has been set to RS
Join Date: Mar 2004 Location: East Van
Posts: 2,160
Thanked 854 Times in 422 Posts
Failed 22 Times in 18 Posts
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Who said a dick in the mouth is down and out? |
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12-01-2017, 04:11 PM
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#11093 | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,132
Thanked 3,837 Times in 1,396 Posts
Failed 141 Times in 80 Posts
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lotta quasi-gay analogies fudging up around this thread, I should get out of this closet. |
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12-01-2017, 04:31 PM
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#11094 | RS has made me the bitter person i am today!
Join Date: Aug 2002 Location: Bootyville
Posts: 4,638
Thanked 2,617 Times in 900 Posts
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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.
__________________ LEAFS! |
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12-02-2017, 05:38 PM
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#11096 | WOAH! i think Vtec just kicked in!
Join Date: Oct 2010 Location: Port Moody
Posts: 1,666
Thanked 1,158 Times in 391 Posts
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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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12-02-2017, 10:07 PM
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#11097 | 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
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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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12-03-2017, 10:29 PM
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#11098 | Rs has made me the woman i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,194
Thanked 3,028 Times in 1,396 Posts
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I'm looking for a mold specialist to do inspections, do you guys have any suggestions?
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12-03-2017, 10:38 PM
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#11099 | Proud to be called a RS Regular!
Join Date: Mar 2002 Location: Vancouver
Posts: 104
Thanked 234 Times in 42 Posts
Failed 0 Times in 0 Posts
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Originally Posted by TjAlmeida 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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12-04-2017, 05:57 AM
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#11100 | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,574
Thanked 3,777 Times in 1,345 Posts
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Originally Posted by prolepsis 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.
__________________
“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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