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The funniest part is that the big telcos couldn't find your house because you gave them the wrong address. I don't even understand how that's possible.
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Oct 18, 2012 01:51
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Leperflesh posted:2. You are right that metered internet is bullshit and so is bandwidth cap. I've never had Internet in Canada that didn't have a bandwidth cap.  Well, ok, excluding dialup. Seriously, telecom here is so expensive, it's retarded.
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Oct 18, 2012 01:57
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tuyop posted:/\/\ and yeah, the landlord originally gave us an address that is literally in the wrong town, and fictional. And then he took our mailbox. I don't know where our mail goes now. Please tells me he has a twirly moustache and wears a top hat. Seriously, that's that level of hosed up.
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Oct 18, 2012 02:36
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juche mane posted:A nice used laptop? A $349 USD Acer will give you quad core, 4 gigs of ram, 500gb hd, and HDMI out. And a warranty. What else would you need? Yeah seriously, in this day and age, don't buy a used computer. Just get a cheap one.
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Oct 18, 2012 23:45
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You have major back issues. I'm sure BFC won't begrudge you a decent bed. Futons make terrible long term beds, I slept on one for like a year in college... Ugh.
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Oct 22, 2012 01:48
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Saeku posted:Tuyop, can you tell us more about your phone plan and internet plan? Are you on a traditional plan or a tab plan? Because $70 a month is pretty high for phone. I got the student plan, $70 gets you 200 daytime minutes, unlimited nights and weekends, unlimited texts, 10 anytime anywhere in Canada numbers, voice mail with three (THREE!) messages and 6GB of data. That's before taxes, 911, network access fee, caller ID and the like. tuyop probably gets a lot less than that if he's including that poo poo. Canada really loving sucks as far as telecoms go.
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Nov 1, 2012 02:03
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Chronojam posted:Does three voicemails mean three inboxes or something, or literally three saved messages? Three saved messages. You get one and when you check it you get the "Your voicemail is almost full!" message. I upgraded to 10 messages when work started paying for my phone. For 10 dollars a month, I get caller ID and 7 extra voice mail messages! When people say cell phone plans suck in Canada, they ain't kidding.
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Nov 1, 2012 23:18
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As far as I can tell my phone downloads and stores voicemail locally, so there's no real imposed storage limit.
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Not nearly as many as people who buy gay disabled veteran homosexual werewolf porn. Get writing.
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Nov 3, 2012 15:21
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tuyop posted:Edit: Toeshoes and I are also helping a friend build a 65-square-foot aquaponics farm in his condo. It looks like he can expect a net income of > $515/m2 per year by growing BASIL of all things. We still have that extra bedroom, which has about 125 square feet of possible flat aquaponics growing space... There's no way you can turn a profit growing hydroponic basil in your spare bedroom. The hydro bill will kill you. (Also the OPP raids would get really old really fast) Also 125 square feet is 11.6128 square meters, so assuming you don't have any losses, you'd still turn less of a profit than just renting the room for $500 a month. And you wouldn't have to deal with the humidity destroying everything.
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Nov 3, 2012 16:28
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tuyop posted:19.375kg/month * $22/kg = $426.25/month of BASIL sales. Or $386.25 net (426.25-40 in energy costs not including fish food, seeds, fish, or materials). You forgot equipment purchase and debt service of same, along with maintenance. Personally, I'd drop the BASIL idea and get a roommate. Seriously.
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Nov 3, 2012 21:00
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juche mane posted:He's talking about actual weed and doesn't want to incriminate himself, you dumb dumb idiots.  ToeShoes posted:No, he actually means basil. I'm sorry Miss, I think you mean BASIL 
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Nov 4, 2012 19:34
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Dusseldorf posted:I've said it before and I'll say it again, free rent + 3 meals a day in jail. Plus it's a short commute, he could even sell the bike and pedals.
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Nov 4, 2012 19:42
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tuyop posted:We don't! He who controls the BASIL controls the universe. The BASIL must flow.
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Nov 4, 2012 20:54
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quaint bucket posted:Who the hell is buying BASIL from local home growers anyway? People who think BASIL is code for weed.
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Nov 4, 2012 23:36
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Mulatto Butts posted:Dumb dumbs who think BASIL is going to make them all of the money. You mean BASIL brokers who buy and hold because BASIL is going UP UP UP! 
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Nov 5, 2012 00:04
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Devian666 posted:Tuyop you should do calculations on power consumption before getting into horticulture. Can you afford the power cost? The light of BASIL shall guide him, for he who accepts BASIL shall forever bathe in the blinding light of BASIL; so sayeth the book of herbs.
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Nov 5, 2012 02:06
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tuyop posted:Werewolf is misspelled in the thread title and it's like nails on a chalkboard for me. Warewolves are different, instead of men turning into wolves, they're goods turning into wolves. Like transformers, or kitchen utensils. And it surprises me that you haven't realized what would happens when you tell this thread that something grates you so.
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Nov 6, 2012 12:17
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Calculating your net worth as a percentage of your total lifetime income is a terrible, meaningless metric. Seriously - I know the feeling of looking at your tax return and thinking "Where the gently caress did this cash go?", but looking back that way isn't going to help you. Concentrate on what's coming in and what's going out, and your present net worth. Lifetime earning is pretty mch a meaningless number in practice.
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Nov 7, 2012 22:00
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bam thwok posted:Disagree. Debt is a function of past choices, and any time that Tuyop spends reflecting (not bemoaning)to find patterns that can help him make better choices in the future will be time well spent. A pattern over a year can be meaningful, a pattern over a life time isn't - too much variation in income and life situation. I took about six months off work to work on my degree; while I didn't go in debt at any point, this would undoubtedly skew the results negatively. My degree isn't a financial asset, after all. (Neither is rent, this is what leads to the "throwing money away every month!!!!!" myth.) At the same time, buying a boat increased my resilient asset value by about 10k, but holy poo poo was it the worst financial decision ever in the long term. Year end's review is a good practice, review of asset vs total income to date is a completely meaningless practice.
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Nov 7, 2012 22:58
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Yeah this is . He'll get a letter from CRA saying that they regret to inform that there has been an error, please send us a check as soon as convenient (IE now, before we are regretfully forced to hit you with fees) and we once again apologize for the error. P.S. send us the cash now
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Nov 10, 2012 04:00
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Dusseldorf posted:Is there some Canadian tire tax? Yep. At least in Quebec anyway, but I assume Ontario has something similar - it's a line item on my car invoice, 8x10$ or whatever. Notice the 8x? quote:Also do you really need winter tires? I've spent most of my life driving in snow on all weather tires without any problem. You live in Ontario, not the mountains, right? He absolutely does. No questions asked. In fact, depending on provincial laws, he might be legally required to.
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Nov 22, 2012 14:11
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My experience of Chicago was that they'd have snow days on days where our weatherman would mention the snow as an afterthought. Six inches of snow overnight is no big deal here.
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Nov 22, 2012 23:05
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I assume the ones he had before (Probably bundled with his car) are worn out. Winter tires don't last that long, once the grooves wear out they're not "winter tires" enough for the cops.
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Nov 23, 2012 01:24
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Baloogan posted:How much did the last ones cost? Probably around what he paid for these. Seriously, guys, these are winter tires. You wanna drive in Canada in the winter, you need winter tires, and they wear out fast - End of story. We're nowhere near $100 underwear or BASIL territory here.
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Nov 23, 2012 02:01
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mobby_6kl posted:Then do that and get some narrower 16 or even 15" with a thicker profile and have them put on steelies. You'll save a shitload. Having to buy new wheels would probably negate the savings from buying smaller tires. If he's driving alloy wheels in the summer, he already has a set of steelies for the winter. Seriously, car dealers in Canada will throw in steel wheels and winter tires if you so much as pinch your lips at the price of a new car.
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Nov 23, 2012 12:48
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asmallrabbit posted:EDIT: However, looking on tire rack for tires for a 2010 Mazda3, winter tires run about $500-750 for a set. Add about a hundred bucks for installation, tire recovery tax and whatever, and we're pretty close to what Tuyop paid for his.
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Nov 23, 2012 20:10
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tuyop posted:Challenging their decision now does not mean that I can't get reassessed later. So challenge the poo poo out of it. Get a lawyer and everything. That's a pretty pitiful amount, seriously.
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Nov 26, 2012 18:33
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Quantum Finger posted:Back pain is no loving joke, man. It'll exclude you from lots of jobs that otherwise pay really well, and it will get worse as you get older. I'm glad you'll be challenging because that sum is a loving insult. Yeah, you can basically forget about anything blue collar, child care, stocking... Heck, even some IT jobs, I'd assume they have to move heavy poo poo once in a while. It's really great that you seem to have such a positive about it, but it's kind of a big deal.
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Nov 27, 2012 01:40
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Two Finger posted:Wait so this wasn't even the stock wheels, at some point you went out and bought new ones and I promise you the size would have been specified on them, Before anyone tears into tuyop for buying an extra set of wheels, you can't use alloy wheels in the winter. The size of those wheels would have definitely been on the invoice however.
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Dec 5, 2012 01:25
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 How has your heart not beaten straight out of your chest?
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Dec 6, 2012 02:03
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They don't have Wal-Marts in your areas? You can get a microwave for half of that. But really, lets move on, the microwave discussion is boring.
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Dec 9, 2012 20:52
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The first step is having money to save. After that uh, I don't know, I guess the long term investment thread could help you. RES might work if you have a long-ish horizon.
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Dec 12, 2012 04:27
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traveling midget posted:In the part of the post you chose to edit out, I recommended he buy a *normal* knife that fulfills his *need* for a knife to cook with as opposed to his *want* for a high-end hanzo steel. And he in the post he quoted, tuyop says he already has a cheap knife that meets his needs. You're beating a dead horse. Seriously, the amount of piling up and insisting on stupid poo poo in this thread is atrocious. The microwave and knife questions are dead, lets all loving move on.
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Dec 17, 2012 17:29
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Credit costs you interest, savings earn them. Also, if you don't have an emergency fund and an emergency comes up, then boom, you've set yourself back however many months in your debt reduction. It contributes to that "never getting out of debt" feeling, and the attitude of "I can just charge it" is part of why you're in this situation in the first place.
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Jan 2, 2013 05:17
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Yeah 3 - 6k is really, really cheap for a wedding. Just the dress can set you back 30% of that amount.
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Jan 2, 2013 20:50
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Check with the provincial civil registry, at least in Quebec anyone can officiate a wedding, as long as they get a one time license beforehand. (They have to go on a tangent on the definition of marriage and shared dwellings in the middle of the show, but hey.) Start budgeting and pricing your wedding, in any case. They bloat quickly - my friend had plans similar to yours a year ago, they're up to 20k and the wedding is still more than half a year away.
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Jan 2, 2013 21:05
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tuyop posted:Is that a thing that people actually do that makes actual money? I thought the cost of electricity was much higher than bitcoins are worth. No it's not. It's something crazy people do and then delude themselves into thinking they're making a shitton of money. Stay the gently caress away from Bitcoin, tuyop. Like take up BASIL before you get involved in Bitcoin.
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Jan 3, 2013 22:09
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Zeta Taskforce posted:Is it really worth that little? Cars don’t go down in value in a straight line. They lose a lot of value at first and then it sort of levels out, or at least doesn’t drop as fast. I don’t think you need to give it away, but it seems you could have it cleaned and detailed and sell it to a private party and do better than that. If his situation is anything like mine, his loan also includes a few thousand dollars worth of taxes and environmental fees and what not. I bought a car this fall and something like 10-15% of the total purchase price was just taxes and similar poo poo (Plus the warranty, because I'm a loving idiot). So the loan might not have much relation at all to the value of the car.
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Jan 3, 2013 22:30
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Walk Away posted:Fixed that for ya. That bicycle is not nearly damaged enough to be tuyop's. Also, those are stock pedals 
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Jan 8, 2013 00:57
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Seriously, how do you go about with a car that can't change gears? Stay in first all the time, get out of the car when you need to reverse? Getting out of a snowbank must have been fun.
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Jan 12, 2013 01:39
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