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Old 11-12-2020, 12:27 PM   #16676
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I can't even imagine thinking about having a kid while still renting.

I'm 35, and my gf is 32, and we're currently renting. I'm not fully on the side of having a child, but I've told her my priority right now is purchasing a place, I wouldn't even consider having a child without at the minimum owning somewhere. Full stop.
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Old 11-12-2020, 12:31 PM   #16677
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^^^ this, and even ppl who own a place that I know of, more than 60% don't have kids
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Old 11-12-2020, 12:47 PM   #16678
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I don't know how my son is ever going to move out let alone buy a place, he'll just have to wait I guess until Mom and Dad kick it and he can have ours.
This. I suspect there are many kicking the bucket in the greying Vancouver West area so their children are in line for a yuge inheritance. But mostly, it is generational wealth passed on. Nice to be born with a silver spoon ... it's called winning the genetic lottery.
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Old 11-12-2020, 12:56 PM   #16679
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This. I suspect there are many kicking the bucket in the greying Vancouver West area so their children are in line for a yuge inheritance. But mostly, it is generational wealth passed on. Nice to be born with a silver spoon ... it's called winning the genetic lottery.
Yeah, I was having a conversation with my boss the other day his dad passed away last month his mom is still around but she isn't exactly young. He's like my parents always owned 2 or 3 houses when I was growing up, obviously a little more difficult now a days. He has a pretty nice house been in the market a long time but what I took from the conversation he's basically just waiting on his mom to kick it so he can retire.
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Old 11-12-2020, 01:05 PM   #16680
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How? And what Fafine said.
Garage is 27 ft deep. Both Civic and CRX is parked in the back with the 600RR in the middle.
Leaf and Rav4 parked in the front.
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and icing on the cake, lady driving a newer chrysler 200 infront of me... jumped out of her car, dropped her pants, did an immediate squat and did probably the longest public relief ever...... steam and all.

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Old 11-12-2020, 01:26 PM   #16681
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Yeah, I was having a conversation with my boss the other day his dad passed away last month his mom is still around but she isn't exactly young. He's like my parents always owned 2 or 3 houses when I was growing up, obviously a little more difficult now a days. He has a pretty nice house been in the market a long time but what I took from the conversation he's basically just waiting on his mom to kick it so he can retire.
Back in the day a mechanic and a receptionist could potentially afford a couple houses. You see this a lot in east Van/north Burnaby etc in European families. People were smart and made some moves

Now a days you get two doctors and they can’t afford to live in Port Moody
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Old 11-12-2020, 01:30 PM   #16682
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^^ doctor's will eventually be able to once they hit like 50 and pay off that $600k in medical school debt
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Old 11-12-2020, 01:43 PM   #16683
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Problem is many of them don’t live within their means and carry insane debt. Speaking on a purely anecdotal basis a buddy of mine is pretty high up at RBC DS, he said the amount of liquidity some of these ultra high earners have is next to zero after factoring in huge mortgages, dual BMW leases, country club membership, etc.

Not to say they can’t buy the house, but it’s just a fairly tenuous situation in a lot of cases
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Old 11-12-2020, 02:08 PM   #16684
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and how much $$ do they have at RBC DS?

they're probably churning lots of cash but they likely have a large nest egg in their "corporation" there

i know of a surgeon dr who came out of schooling in debt with ~$500k and driving a beat down Civic who then cleared it out and had millions on the side in about 5-10 years..they're not even in the 40s yet
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Old 11-12-2020, 02:20 PM   #16685
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30? My friends are barely married yet. And all the ones with kids are accidents

Ppl can barely afford to buy a place at 30 how can you afford kids. Unless you live that parents basement life. Or rent forever
Now I'm curious how much do your friends make and if they just want to stay home and not move out.

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I can't even imagine thinking about having a kid while still renting.

I'm 35, and my gf is 32, and we're currently renting. I'm not fully on the side of having a child, but I've told her my priority right now is purchasing a place, I wouldn't even consider having a child without at the minimum owning somewhere. Full stop.
Our new next door neighbours have two kids, they just moved in last week. They were renting before this.

Maybe I'm of a similar mindset as you, but having kids while renting seems a little insane.

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^^^ this, and even ppl who own a place that I know of, more than 60% don't have kids
A lot of my friends are in this boat. They have a place but don't have kids.
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Old 11-12-2020, 02:36 PM   #16686
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You know, I used to think the whole argument that you shouldn't have kids because the world was going to shit was a tad hyperbolic.

Then 2020 happened and housing still went up.
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Old 11-12-2020, 02:37 PM   #16687
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I think what stresses me out the most is that people around my age think that housing will be affordable once they finally make $70,000 - 100,000 a year. They have no savings plan on how they'll save their $100k-150k downpayment. They also think they'll be moving into a 600 - 700sqft brand new 1br condo in Downtown Vancouver, Burnaby, or Richmond with that type of income.

Not sure if it's the general population that is delusional and uneducated on the affordability or just people I've talked to when it comes to how much house they can actually afford. The nail in the coffin is when they realize they can't afford it and the bank of mom and dad just drops the $300k down payment so they can qualify.
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Old 11-12-2020, 02:56 PM   #16688
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^ dat Type R or Model 3 is important, how else will they find a wife
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Old 11-12-2020, 04:23 PM   #16689
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^ dat Type R or Model 3 is important, how else will they find a wife
I prefer leasing a BMW 320i for $600/month to flex on a budget
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Old 11-12-2020, 04:30 PM   #16690
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any recommendations on realtors? DM me

Also, anyone have experiences using friends as realtors? I've been advised against using friends as sometimes it complicates the relationship (depending on how good friends you guys are)

then again I'm thinking, if I'm going to pay someone why not support a friend, just weighing the pros and cons
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Old 11-12-2020, 04:37 PM   #16691
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any recommendations on realtors? DM me

Also, anyone have experiences using friends as realtors? I've been advised against using friends as sometimes it complicates the relationship (depending on how good friends you guys are)

then again I'm thinking, if I'm going to pay someone why not support a friend, just weighing the pros and cons
I've gone through my friend on 3 occasions, and all 3 times I made it clear of expectations regarding commission negotiations on my end as a buyer and seller. He's happy my business always goes to him, and I'm happy because I save a few thousand each transaction.

I've brought up my concerns during times I needed to, and don't shy away from tough conversations with him. However, I wouldn't hire a friend if I knew I couldn't be direct with them.
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Old 11-12-2020, 05:25 PM   #16692
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tons of people have kids renting
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Old 11-12-2020, 05:43 PM   #16693
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Yes but would you like to live knowing you can be kicked out with a few months notice or have your rent increased every year?
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Old 11-12-2020, 05:48 PM   #16694
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any recommendations on realtors? DM me



Also, anyone have experiences using friends as realtors? I've been advised against using friends as sometimes it complicates the relationship (depending on how good friends you guys are)



then again I'm thinking, if I'm going to pay someone why not support a friend, just weighing the pros and cons
I used my friends (both of them) for my most recent purchase. My other friend didn't use her friend for fear of negotiating power and souring the friendship. However, that was not the case for me. My friends/re ealtors knew exactly what I wanted and they were willing to play the petty game (because I'm pretty petty) when it comes to deficiencies.

Edit: to add on to this, it was much easier with transparency and disclosure of information. Plus we used a mutual friend as the mortgage broker who helped us significantly. I'd go as far to say, that if I used anyone else, I doubt I would have gotten the mortgage.

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Old 11-12-2020, 05:59 PM   #16695
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Yes but would you like to live knowing you can be kicked out with a few months notice or have your rent increased every year?
That's life?

That's how most kids grew up in East Van. Lived in basements with rental increases + kicked out at any notice.
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Old 11-12-2020, 06:05 PM   #16696
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Yes but would you like to live knowing you can be kicked out with a few months notice or have your rent increased every year?
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That's life?

That's how most kids grew up in East Van. Lived in basements with rental increases + kicked out at any notice.
In BC, there is a limit on how much the landlord can raise the rent. IIRC it is 2% annually. The BC gov just announced a freeze on rent hikes for this year.

Also, it's not that easy to kick a person out now if they are a good tenant. Basically, if caught, the LL has to pay the tenant 12 months worth of rent.

Things have changed a lot since we were kids.
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and icing on the cake, lady driving a newer chrysler 200 infront of me... jumped out of her car, dropped her pants, did an immediate squat and did probably the longest public relief ever...... steam and all.

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Old 11-12-2020, 06:10 PM   #16697
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In BC, there is a limit on how much the landlord can raise the rent. IIRC it is 2% annually. The BC gov just announced a freeze on rent hikes for this year.

Also, it's not that easy to kick a person out now if they are a good tenant. Basically, if caught, the LL has to pay the tenant 12 months worth of rent.

Things have changed a lot since we were kids.
That 2% rent increase was great when I was renting. Started renting my place in 2003 for $350/month, was paying $504/month when I left last year. New tenant is paying $1200/month

Really easy to save a lot of money for a house when your rent is that low.
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Old 11-12-2020, 06:14 PM   #16698
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That 2% rent increase was great when I was renting. Started renting my place in 2003 for $350/month, was paying $504/month when I left last year. New tenant is paying $1200/month

Really easy to save a lot of money for a house when your rent is that low.
The LL was lucky to have you as a tenant.
Others would have kept the place and sublet for $1200.
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and icing on the cake, lady driving a newer chrysler 200 infront of me... jumped out of her car, dropped her pants, did an immediate squat and did probably the longest public relief ever...... steam and all.

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Old 11-12-2020, 09:37 PM   #16699
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Having kids while renting makes more sense than having pets while renting. Finding a new place is much easier with the former than the latter.
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half those dudes are hotter than ,my GF.
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Old 11-12-2020, 09:50 PM   #16700
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I prefer leasing a BMW 320i for $600/month to flex on a budget
You doing it wrong if you are paying 600/m for a 320i LOL

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I think what stresses me out the most is that people around my age think that housing will be affordable once they finally make $70,000 - 100,000 a year. They have no savings plan on how they'll save their $100k-150k downpayment. They also think they'll be moving into a 600 - 700sqft brand new 1br condo in Downtown Vancouver, Burnaby, or Richmond with that type of income.

Not sure if it's the general population that is delusional and uneducated on the affordability or just people I've talked to when it comes to how much house they can actually afford. The nail in the coffin is when they realize they can't afford it and the bank of mom and dad just drops the $300k down payment so they can qualify.
There are people who are 30 who think like that. 70k a year as a single dude really isn't much if you need to pay for all living costs on your own and you want a fancy car.

It only works if BoMD has that much money to give you. Most parents I know don't have 300k just kick around like that unless they sold their house.

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any recommendations on realtors? DM me

Also, anyone have experiences using friends as realtors? I've been advised against using friends as sometimes it complicates the relationship (depending on how good friends you guys are)

then again I'm thinking, if I'm going to pay someone why not support a friend, just weighing the pros and cons
Pretty much what others have said, it needs to be someone you can lay out the ground rules on and can't fudge things through.

A friend of mine went through a mutual friend as a realtor. This mutual realtor friend wasn't clear on things and at the end of the day, I think it hurt their friendship as both sides felt like they got shortchanged.
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