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Hey guys, hoping to start a discussion, vent a little, and maybe pick up some advice!TL;DR: Does the used car market seem crazy to anyone else? Is there still value to found by buying a used vehicle?I have been fortunate during 2020 and while so many lost their jobs I manage to get hired to my dream job. The new pay and benefits have allowed my and my fiance to purchase a house and pad our savings. With two young kids and a new house, we decided it was time to look into upgrading our vehicles, namely buying me a truck. I have been wanting to buy a truck for a while, but I am not after a luxury model; I need a crew cab and a bed, period. I bought my current car, Subaru crosstrek, new and I’m not to keen on going that route again, so I started browsing the listing for used cars. My brain nearly melted after what I saw.I live in a rural-ish area and trucks are common and a commodity, but the prices I saw for used trucks nearly killed me. Im talking 10+ year old trucks over 100k mi being sold for 15-20k. Trucks 4-5 years old with 40k being sold for 85-90% the msrp of brand new trucks. My fiance is interested in a Kia Telluride(which is a hot car, so the market is nuts anyway) and the few used ones I see are being sold for full msrp with E:”20-30k” mi on them.I’ve had my car for almost ten years, and I haven’t looked at cars until recently, but when did the used market change? I’m fortunate to have the resources to afford a new vehicle and to being buying a truck as a luxury, but im aghast at the state of it all. As in the TLDR, do you guys think there is still value in buying used vehicles? Is it more a game of searching out the diamond in the rough? Does anyone have different experiences in their areas?Thanks everyone!!Edit: The Telluride I saw had 23k* miles on it!!E2: It seems like this is the new way of life in used truck market. I think I’ll bide my time and buy the truck I want new. I plan of having it for many years, and if its apparently not going to depreciate, why not. The reason I’m after a truck is our house is on 10 acres in the PNW, and my free time is mostly spent in the woods(though a Subaru crosstrek will fit two guys, packs, and a two quartered whitetails). I was planning on taking a break, but I might fire up the carpentry side hustle again and cash in on the business write off.The more I thought about it our market is extra fucked, we have lots of kids with bad credit, new logging or construction jobs, and the iq of gold fish. I imagine they are paying the dealers asking prices and take it in the teeth on the loans. Luckily I have time, patience and good credit, I think I’ll wait for a good 0%apr special and buy.Thanks all! via /r/personalfinance https://ift.tt/3tsmzAy

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Apologies for the clickbait title but rest assured, there’s no scam here. I’ve come up with a list of time-tested, foolproof ways to save money that are infinitely more reliable than whatever investment scheme you’re cooking up. And speaking of cooking:Learn to cookDoordash, ubereats, skip-the-dishes, delete them from your phone. Learn to cook rice, vegetables and inexpensive proteins like beans, chicken, pork, tofu, chickpeas etc. Does your food need more flavour? Buy some salt, pepper and garlic. That’s all it takes to start. Is your food over/under done? But a meat thermometer. Stop buying $10 lunches and $3 coffees. I used to buy $3 coffee every day. That’s $60 a month ($90 if weekends are included) On COFFEE. I bought a $50 coffee maker and it paid itself off in 2 months. Now I’ve owned it for 3 years.Take care of your teethBrush twice a day. Try to do the same with flossing, but no one ever does it, so try to start once a week. You know why dentists make so much money? You know why they see your mouth as a goldmine? Because you won’t be able to put up with your painful, busted ass teeth for your whole life and you’re going to need them fixed. Taking care of your teeth cuts down on the amount of times over your life that you’ll wake up in the morning going “ow, my tooth hurts, wonder why” and then suddenly you’re out $500… or $2000…Prioritize the importance of your physical belongings and take care of them accordinglyDo you need a flashy, expensive (or even mid-range car) to impress clients at your job? No? Then it’s OK to drive a beater. Do you need a suit for work? No? Then it’s OK to buy your daily workwear from somewhere like Costco or Walmart. Those are your low-priority items. If you rip a hole in your $10 work shirt, you can probably afford to throw it out.However, the flip side of that is, if you need to have a suit or nice car on-hand… TAKE CARE OF THEM. Don’t wear your nice suit and dress shoes out in a snowstorm… don’t skip the oil change on the car. If you’re tech savvy, you can keep your beater smartphone or laptop meeting your needs for a long time. Do you need a top-of-the-line gaming rig? If so, spend the money on long-lasting parts (I.e. CPU), and take care of your rig; clean it regularly, watch the temps, try not to get malware. I’m still wearing a jacket I bought 10 years ago.Other tips and tricksBuy long-lasting footwear – it’s insanely easy to spend a lot of money on cheaply-made, branded (and completely awful) footwear. I’m looking at you, Jordan’s. Buy some decent sneakers and hiking boots and rotate them around accordinglyGet away from Instagram/FB if you’re in circles where people try to promote their belongings, flex or look like they can afford a lifestyle they probably can’t. Way too many people go into debt trying to look fresh on Instagram. Don’t get sucked in. Speaking of debt…Pay off your credit cards – Credit card companies make their money off you not realizing how much 20% interest really isEdit Wow thanks for the feedback folks! Some really great tips in the comments too (esp. liked the one about taking care of your KIDS teeth, in addition to your own!)And to clarify re #3, I’m definitely not saying “don’t spend money on luxuries that make you happy”. What I am saying is, if (when) you spend money on luxuries, TAKE CARE OF THEM!Bought some fancy-ass dress shoes you like? Realize you’re wearing $700 on your feet and walking through puddles isn’t a great idea. Bought the new $2000 MacBook Air? Maybe keep your un-covered drinks away from it. Finally saved up for that Lexus? Slap some snow tires on that baby and make sure you have some decent insurance. Nice new phone? Yeah? Buy the case! If you decide to go all out, don’t skimp out, just spend your money where it creates (or protects) the most value.Edit 2 Obligatory “I am not a financial advisor” but here’s some other tips to address some complaints from offended individuals that this isn’t real financial advice:You likely don’t need balance protection insurance on your credit card – It’s notoriously difficult to successfully file a claim and the coverages are much narrower in scope than they are sold asIf your bank waives account fees for carrying a minimum balance, look into getting the best account you can (e.g. a “TD all inclusive” account provides free cheques, money orders, safety deposit box etc. And is free if you maintain a $5,000 minimum balance)You only need overdraft protection if you regularly dip into overdraft (e.g. if it’s unavoidable based on your income cycle). If it only happens once in a while, the individual ding is likely still cheaper than total cost of the protection.When shopping for a mortgage, don’t overlook credit unions. A massive component of a lot of credit unions’ business is lending, especially residential mortgage and small business lending. Credit unions can offer rates far more competitive than banks, even to non-membersIf you’re thinking about investing and can stomach some short-term volatility, look into Exchange Traded Funds (ETFs) – bundles of diversified securities issued by major financial institutions. Many sector-specific ETFs (including Oil/Gas, Real Estate and Finance) still haven’t recovered from COVID and it might be worth your while to look into them. COVID recession aside though, ETFs can be reliable, income-generating instrumentsFinancing can be a reasonable option if you’re trying to manage cashflow, but generally speaking it is better to outright buy something you can currently afford rather than finance it. Cars especially.Edit – Last one, I promiseProtect your credit score! It’s not just a number, it’s your key to reliable, low-interest credit (which you’re going to need if you ever want to buy a house, or even just open a line of credit). Tanking your credit score and limiting yourself to alternative lending “solutions” is a very dangerous, slippery slope. via /r/PersonalFinanceCanada https://ift.tt/3cAe2FA

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I’ll start off by saying I’m not a real estate agent, nor in housing finance. But I keep a close watch out of personal interest and because my profession requires me to know a bit of what’s happening (plus I find it fascinating). I’ve been following it closely for the last 15 yrs.Another thing I’ll say upfront regarding the foreign investment numbers I provided, we’ve seen numbers all over the place, and often contradictory in the same week (I recall a few years back one institutional report came out on a Monday saying it was under 4% and another bear-on-real estate article came out on Wednesday saying it was over 18%! along with others stating everything in between). And I watched as the numbers slowly trended downwards as Provincial govt measures took hold and as foreign currency control measures took affect (most notably a crackdown on $50,000 USD transfers out of China in 2018 and how that started to play into the new social credit system measures in 2020). So I’ve averaged some reporting numbers since the truth likely laid somewhere in the middle).In the end, I’m neither bullish nor bearish in the medium to long term. It’s been all context driven to date, and will continue to be in the future (that’s all I can say on that). In 2019 if someone told me the apocalyptic plague or a catastrophic meteor would’ve hit, I wouldn’t have believed it. And I wouldn’t have thought prices would’ve reacted as they had. Well, we got the plague. Will it be meteor-2022?Anyway, this is a timeline which explains a lot of the market from the 2008 financial crisis to present, along with some possible scenarios into 2025 to 2027 based on the history of it all.2008 – 2012 – Following 2008 a lot of people were hesitant to buy property. We fared much better than the US and much of Europe through the financial crisis, but there was still a lot of uncertainty. But by 2013 the market started to get back to 2007 levels.By 2013 Toronto felt their jobs were finally safe again following the financial crisis and Canada’s economy was doing well again.2014, people who put off housing purchases the prior 5 years (during the financial crisis) started to jump in. Toronto was seeing big population gains as well (domestic + international). Prices went from a relative calm to a climb.2015, People saw larger gains in real estate than other investment tools. This prompted more people to get in on it (be it reno-flippers, those wanting long-term primary residence, and domestic & foreign investors). Construction took off following a sharp increase in builder confidence for the first time in 7 years. By Dec 2015 detached houses were going up by $8000/month (versus $3000/month earlier in 2015).2016, by February it seemed like everyone who was pondering getting a property for themselves (first time, upsizing or investing) started to feel FOMO. By May detached houses were going up $12,000-$14,000/month. The momentum kept building in a feedback loop throughout the rest of 2016.By the end of 2016 / beginning of 2017 detached homes were going up by $20,000/month. It was insane. Politicians were feeling the heat as people were getting really angry and pointing their fingers at both politicians and foreigners (even though other major factors and reasons were also at play which didn’t get nearly as much attention as it should have, like those mentioned above). There was word that anywhere between 10-15% were foreign buyers (but final records showed it was actually much less, I think around 5-9% in certain market segments once records were checked, but it fueled greater FOMO in the interim before it finally fell to around 3% after the foreigner tax was imposed, and then down to 1.5% in the year leading up to COVID. I wouldn’t be surprised if foreign investment is now almost 0% since COVID and since AirBnB was banned). By Feb / March 2017 (just weeks before the brakes were applied by the Wynne gov’t) the population’s thoughts towards the market seemed to fall between two extremes…(1) that this couldn’t continue and it would end bad if the govt didn’t intervene(2) at increases of $25,000/month, better get in and buy now or be locked out foreverProbably half of the public looking for homes were somewhere between these two thoughts and were prepared to buy out of FOMO if prices kept going up, but they were equally willing to not buy and to just wait-and-see if they thought the province and feds were going to hit the brakes on housing.April 2017, the govt hit the brakes with the foreign buyers tax. The FOMO bubble popped. The prospective home buyers mentioned in the previous paragraph now wanted to wait-and-see what was going to happen with prices before buying. It stopped a lot buyers from buying which stopped the price increases. At the same time sellers took their homes off the market to see what was going to happen (ie they didn’t want to risk selling at a lower price if they didn’t get what they wanted). That sudden collapse in supply stopped prices from dropping. It was a standoff… buyers weren’t buying and sellers weren’t selling. Prices stagnated and stayed stable.June 2017 – the feds introduced the stress test. That reinforced buyers not being confident yet in buying, and sellers not wanting to sell at risk of a lower price. The home price stand-off continued, with prices remaining in suspended animation (there was a drop, maybe about 8%-15% depending on the area of Toronto, but it was short lived over the rest of the year).Fall 2017: With the damage from the financial crises over, quantitative easing by the feds was over. Interest rates started to climb. Housing prices stayed stable as all sides held their wait-and-see position.2018 – rates continued to climb. In May 2017 they were around 2.1%. By May 2018 they were 3.4%. But by this point a whole year had gone by since the foreign buyers tax, and 11 months since the stress test. People (sellers and buyers) saw that Armageddon never did happen as many feared. People felt they dodged a bullet and jumped back into the market despite higher rates. Housing prices slowly started to climb again.2019 – housing prices started a new, moderate and steady climb. In early 2019 the increases soon made up for the price decreases just 12 to 18 months earlier in 2017.Feb-May 2020 – Covid stopped and reversed the climbs. This time Armageddon did actually happen (the Plague) and nobody wanted to buy if the market was going to crash. BUT homeowners were trapped. In a normal crises if buyers all stopped buying, it would entice homeowners (at least in theory) to sell as fast as they could to cash in as quickly as possible before prices went too low which would cause them to lose their shirts. In theory that would cause a real-estate market crash.But (and it’s a major BUT) COVID prevented homeowners from selling all at the same time, in a large selling movement. Stay-at-home orders and lockdowns shut down the real-estate industry (for both buyers and sellers) and homeowners were not given the opportunity to sell off. A massive drop in prices and a collapse did not occur. (There was a moderate drop in prices from March to May with a brief major dip in March 2020, but that quickly rebounded).June 2020: As we went into summer people realized THREE things:A crash was averted because COVID prevented a sell off (ie: you can’t sell your home if COVID lock-downs have locked all your potential buyers in their homes, making it so you don’t even list your home), andPeople were working from home and knew WFH would be a long-term reality. WFH increased demand exponentially, andthe government sharply started up quantitative easing again to allow the government to safely take on massive debt loads to shoulder the economy through COVID. This plunged interest rates which was like pouring oil on point #2. Whereas housing was still extremely expensive (still at 2018 levels as we entered summer 2020), a LOT of people suddenly found they could afford it with new record low interest rates.Jul 2020 to now – the market kept going up and up and up for the same reasons mentioned above. In addition, areas in the Golden Horseshoe (beyond the GTA) really took off more than any time before as (1) WFH enabled it and (2) as locals in those areas got FOMO for the first time. Since November, it spread to all of Southern Ontario, and now you can be in a small village in the middle of nowhere and houses are at least $350,000+ in a village of 2000 people half way between Windsor and Leamington (which has never happened before). It’s crazy. Even central Nova Scotia (a long-time write-off by the rest of Canada) has become the new El Dorado for real-estate.How long can it continue? Well, it’s anyone’s guess. The BOC said they’re not planning to ease off of quantitative easing until 2023 because they can’t (they need to keep debt servicing costs lower than GDP growth to be able to manage and tackle the debt – lest it collapse gov’t services – which should keep retail mortgage borrowing rates low). And because mortgages and buyers are are still “stress tested”, this leads one to assume that even if rates were to start to rise in 2023, that people can financially shoulder a 2% increase (which could take us as far along as 2025 to 2027).Probably what will determine how much or how fast prices will continue to increase will be if the current pool of buyers maxes out because prices pass a certain threshold. The question then will be if prices will go into a holding pattern at that point – which is a strong possibility (However, I can’t see them collapsing, because if they go down there will be hoards of others who will want to get in to take advantage of ultra low interest rates as a result of quantitative easing).After 2025 (and into 2027), if rates go up beyond what people were stress-tested for, who knows where things could go (There are just too many factors to make predictions beyond 2026 / 2027 – ie: • possible increases in immigration, • possible decreases in immigration as the US under Biden will be copying our immigration point system to compete better which leaves immigrants having to chose between them and us, • rates possibly staying the same to help the gov’t try to get rid of $1T in new debt, • rates possibly going up further, • increased supply, • decreased supply, • another recession, • complete economic boom times … Just nobody can know at this point). Plus so many recent buyers will already have a cushion of 5-10 years equity built up in their homes.So there’s our 13 year history of Toronto housing since 14 Sep 2008 (from the day Lehman Bros collapsed and the financial crises started, until today)And if you’re curious what all this quantitative easing is about, here’s a comment I wrote to explain it elsewhere, with a bit of a deeper explanation I wrote here, and how it ties into all of this and our interest rates (Which at least provides somewhat of a constant into the medium term which can allow us to make some predications a few years out).(Edited a couple of number typos) via /r/PersonalFinanceCanada https://ift.tt/3cDlAaG

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In the IT world, it seems that government salaries are lower than market average, but they make up for it with a pension / defined-benefit plan. All the government employees I know are looking forward to their pension and seem to think it is a better deal overall than private companies’ higher salary but no pension. This is especially with the average market returns expected to be so low the next decade or so, and with the life expectancy going up, a pension in perpetuity is better than any nest egg you could save up on your own.Are there any calculators online (or past reddit threads) that help you fully compare private vs. government total compensation? I know it’s vague, but imagine for example total benefits of being a developer at Shopify vs. a developer at Treasury Board or EDC.From the calculations I have run, it still seems like private is a better deal. And this would be corroborated by the vast amounts of talent at Shopify and not at Treasury Board. I might not be calculating it right though. via /r/PersonalFinanceCanada https://ift.tt/3cmvGwq

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Hello PFC. I’m currently in the market looking for an apartment in the Mississauga/Toronto area. What I’m noticing is a lot of these apartments being advertised are offering a free month(s) bonus or even a free year of parking as a perk to move in. With the prices falling in some areas, what are the possible catch 22’s of these free offers?Question 2: When prices start to rise again will these management companies be able to hike prices (hidden fees or other ways) to recoup all these discounts?What are your thoughtS? via /r/PersonalFinanceCanada https://ift.tt/39vuNQ5

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Glovo doesn’t work because they have a weird weight limit. Trying to figure out if there is any other app? I don’t want this to be too complicated lol via /r/serbia https://ift.tt/3j1aux4

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All units must be registered in order to operate. Only 2700 out 18,000 units have registered so far chances are high anything your report is not on the list.2.Landlords can only rent the property they live in. So if you see only airbnb renters but never the landlord report them.There’s a 4% municipal tax that is to be collected. With the impact of covid and the many encampments of homeless this money is needed now more than everCall 311 or visit website The new regulations came into effect early this month https://ift.tt/3tcwVUI Edit. Link fix via /r/toronto https://ift.tt/2MA2c3e

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By now we’ve all heard stories of US brokers not allowing buy trades, or not letting people search for the stock etc. Idk about you guys, but I’ve had phenomenal performance with the wealthsimple app. Even TD broke this morning, but this little guy wealthsimple is working. Sure the notifications and emails come like 8 hours after the trade lol, but if you have the app open, the orders are handled in a timely manner. Today in the initial crash, my buddy was actually able to pick up $GME at $150 USD. They was no bs of “you can’t trade”, “server crash”, or getting an unexpectedly high purchase price due to volatility. She placed the order during the halt, and go one of the first prices when it unhalted. Obviously this is how all platforms should behave, but seeing what the other guys are doing, shout out to Wealthsimple.Note: not endorsing any of the stocks mentioned in this post. Don’t gamble with money you can’t afford to lose. Do your DD before investing. Have an emergency fund. 🙂 via /r/PersonalFinanceCanada https://ift.tt/39tKEin

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