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The Inflation & Cost of Living Complaints Thread


Warhippy

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On 1/1/2024 at 5:45 AM, MidKnight Ego said:

 

RE Poilievre and housing.

 

A bit heavy handed from the former minister of housing/infrastructure no?

 

https://www.cbc.ca/news/politics/first-nations-300m-federal-housing-fund-builds-just-99-homes-1.3086954

 

https://www.straight.com/article-833076/vancouver/feds-lie-world-housing

 

https://www.thestar.com/opinion/contributors/broken-promises-on-affordable-housing/article_15740170-59ba-5ef7-b9a6-629397dd2957.html

 

https://ottawasun.com/2013/11/27/social-housing-cuts-by-harper-government-need-to-stop-protesters

 

https://www.huffpost.com/archive/ca/entry/harpers-built-his-housing-policy-on-a-weak-foundation_b_8073132

 

https://www.ctvnews.ca/harper-funds-massive-project-to-house-the-homeless-1.745773

 

RE Poilievre and Trudeau and his Liberals being dishonest and unethical

 

A bit heavy handed coming from the former leader of the committee for the access of information privacy and ethics no?

 

https://vancouversun.com/news/staff-blogs/harper-government-flunks-on-ethics

 

https://www.cbc.ca/news/politics/harper-defends-paradis-in-jaffer-case-ethics-breach-1.1129931

 

https://www.thestar.com/politics/federal-elections/a-conservative-collection-of-harper-government-scandals/article_4766f17d-604b-577b-abee-581bd330b931.html

 

https://www.ourwindsor.ca/politics/federal-elections/a-conservative-collection-of-harper-government-scandals/article_531e04ed-ed18-5332-819e-e73f4734475d.html

 

Someone remind me again, how this individual who purports himself to be better than Trudeau or the Libs spent so much of his time committing the same failures and wasteful issues or defending the same ethics breaches that he claims the current government is going to be better than what we already have?

 

They're the same person.  Poilievre doesn't understand any more than Trudeau how the economy affects the average person as he has never had a job.  Never had to pay a bill.  Never had to buy groceries.  Has had access to a government taxpayer funded expense account and free benefits for 20+ years.

 

They're the exact same person, one is just angrier than the other so tell me, how things will change again.

 

Posted in two threads.

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5 minutes ago, Warhippy said:

RE Poilievre and housing.

 

A bit heavy handed from the former minister of housing/infrastructure no?

 

https://www.cbc.ca/news/politics/first-nations-300m-federal-housing-fund-builds-just-99-homes-1.3086954

 

https://www.straight.com/article-833076/vancouver/feds-lie-world-housing

 

https://www.thestar.com/opinion/contributors/broken-promises-on-affordable-housing/article_15740170-59ba-5ef7-b9a6-629397dd2957.html

 

https://ottawasun.com/2013/11/27/social-housing-cuts-by-harper-government-need-to-stop-protesters

 

https://www.huffpost.com/archive/ca/entry/harpers-built-his-housing-policy-on-a-weak-foundation_b_8073132

 

https://www.ctvnews.ca/harper-funds-massive-project-to-house-the-homeless-1.745773

 

RE Poilievre and Trudeau and his Liberals being dishonest and unethical

 

A bit heavy handed coming from the former leader of the committee for the access of information privacy and ethics no?

 

https://vancouversun.com/news/staff-blogs/harper-government-flunks-on-ethics

 

https://www.cbc.ca/news/politics/harper-defends-paradis-in-jaffer-case-ethics-breach-1.1129931

 

https://www.thestar.com/politics/federal-elections/a-conservative-collection-of-harper-government-scandals/article_4766f17d-604b-577b-abee-581bd330b931.html

 

https://www.ourwindsor.ca/politics/federal-elections/a-conservative-collection-of-harper-government-scandals/article_531e04ed-ed18-5332-819e-e73f4734475d.html

 

Someone remind me again, how this individual who purports himself to be better than Trudeau or the Libs spent so much of his time committing the same failures and wasteful issues or defending the same ethics breaches that he claims the current government is going to be better than what we already have?

 

They're the same person.  Poilievre doesn't understand any more than Trudeau how the economy affects the average person as he has never had a job.  Never had to pay a bill.  Never had to buy groceries.  Has had access to a government taxpayer funded expense account and free benefits for 20+ years.

 

They're the exact same person, one is just angrier than the other so tell me, how things will change again.

 

Posted in two threads.

i do not like the man... PP or JT. I have liked Singh for years... If JT stepped down and offered the leading role to Singh, I would be very happy

Edited by MidKnight Ego
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On 12/31/2023 at 5:08 PM, 4petesake said:


 

There is a ‘report a problem’ button on the assessment but may not be in her best interest unless she’s thinking of selling or believes it to be overvalued. 

 

I disputed mine years ago. My house was valued highest in our cul de sac despite backing on to an apartment complex and being smaller than some of the other lots. 

 

They ended up giving me a token discount that saved me like useless $10 on my property taxes...and then reviewed all my neighbours... and raised some of their assessments 🤦‍♂️

 

I wouldn't bother. 

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1 hour ago, aGENT said:

 

I disputed mine years ago. My house was valued highest in our cul de sac despite backing on to an apartment complex and being smaller than some of the other lots. 

 

They ended up giving me a token discount that saved me like useless $10 on my property taxes...and then reviewed all my neighbours... and raised some of their assessments 🤦‍♂️

 

I wouldn't bother. 

Yeah, unless you have some really good comparables from last June/July that clearly show your property is significantly overvalued, there's not much point.

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33 minutes ago, runningback33 said:

Fast food is getting way too expensive, a Triple O’s Original Burger is now $7.99 on Tuesdays when it used to be $3.49 a few years back, how much is that burger regularly? $10? It’s not even that good…

I don't eat fast food besides the occasional take out pizza.

 

It's always been a huge waste of money.

Edited by The Arrogant Worms
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Quote

MPs to debate studying cellphone plan hikes as some companies raising prices

 
20240111110132-65a0187b09e455e7d47c693dj
A person uses a cell phone in Ottawa on Monday, July 18, 2022. THE CANADIAN PRESS/Sean Kilpatrick
   

By The Canadian Press

Posted January 11, 2024 9:05 am.

Last Updated January 11, 2024 11:16 am.

 

As some MPs gather Thursday to mull a request for a study on cellphone package price increases, telecom industry watchers say it’s clear costs are too high despite indications that prices have come down in recent years.

 

Members of the Standing Committee on Industry and Technology are set to discuss the topic after Rogers Communications Inc. confirmed last week that prices are going up by an average of $5 for wireless customers not on contract. The move will take effect on bills received after Jan. 17.

 

The company declined to comment on the committee meeting but pointed to a previous statement noting some recent pricing announcements. That included Rogers halving the price per gigabyte of data on its most popular 5G plan and lowering its 5G entry price by 35 per cent when bundled with residential services.

 

Some Bell customers have also posted photos on social media of notices informing them their wireless bills are set to increase, however BCE Inc. has not responded to requests for comment.

 

Telus Corp. has also not responded to inquiries on whether it plans to raise its rates. On Thursday, Cogeco Inc. chief financial officer Patrice Ouimet confirmed during his company’s latest quarterly earnings call that its Canadian customers saw an unspecified price increase in October.

 

The meeting Thursday on Parliament Hill was requested by industry committee members Rick Perkins, Ryan Williams, Brad Vis and Bernard Généreux of the Conservatives and Bloc MP Sébastien Lemire.

 

They wrote in a Jan. 8 letter the looming price hike by Rogers “appears to be the first material impact of Canada’s cellphone market becoming less competitive” following Industry Minister François-Philippe Champagne’s approval of the Rogers-Shaw merger last year.

 

At the time, Rogers chief executive Tony Staffieri pledged to lower costs for customers, saying in an interview that “competition is going up, especially in the west, and prices are going to come down.”

 

Telecoms analyst Gerry Wall with Wall Communications Inc., tells CityNews overall cell phone rates have been going down.

 

“For the most part they have been falling and in some cases quite significantly over the past year,” says Wall who adds Canada’s rates are comparable to that of the United States but not the European Union due to several factors.

 

“One of them would be the geography we face in Canada, it’s very challenging, it’s investment heavy – the population density would contribute to that.”

 

The Canadian Telecommunications Association has touted data compiled from Statistics Canada’s inflation reports showing cellular costs have declined more than 47 per cent over the past five years in contrast to an overall inflation increase of 19 per cent for the same period.

 

“While we question the need for a study, we know that a review of wireless plan prices will show what Statistics Canada has already concluded, wireless services have never been cheaper,” said association spokesman Eric Smith.

 

“As prices have declined, the industry has been investing billions to increase capacity, coverage and quality of service, as evidenced by a 90 per cent increase in average mobile download speeds over the last five years.”

 

But consumer advocate Mohammed Halabi said some big companies are trying to sell larger plans with more data and bundling options. That means consumers may see their telecom bills growing, though they’re getting more bang for their buck.

 

He said it’s hard to find offers that properly account for most customers’ average usage.

“I’m still seeing prices as being too high,” said Halabi, the director of MyBillsAreHigh.com, a company that helps businesses and private customers find savings with their telecom expenses.

 

“Everybody’s trying to push these bigger plans, more data. Yes, the cost per gigabyte has gone down when you look at it because they’re offering you 100 or 50 gigabytes for $75 versus 30 for $75, but we want to see cheaper prices that properly qualify customers.”

 

In a statement, Champagne said Canadian consumers are still paying too much despite progress on lowering prices. He urged carriers “to seriously consider customers over profits at this time.”

 

“While prices for some wireless plans have declined by more than 22 per cent over the past year, the planned price increases to certain month-to-month plans that have recently been announced go against the spirit we’ve set, at a time when Canadians are struggling to make ends meet,” Champagne said.

 

“I am prepared to use any other tools at my disposal to fight for Canadians consumers.”

 

Asked to clarify what specific action the minister could take and whether he supported a potential study on telecom prices, a spokeswoman for his office replied, “We’ll take the appropriate actions, if necessary and if the time comes.”

 

“Being the regulator, the minister has many options and tools at his disposition,” said Audrey Champoux.

 

“We’ll let the independent committee debate and make their decision on best course forward.”

Rogers Communications is the parent company of this website.

 

https://vancouver.citynews.ca/2024/01/11/mps-discuss-cellphone-plan-hikes/

 

I remember when I maintained a cellphone number from a service provider in Hong Kong.  It was essentially a "pay as you go" arrangement, with a requirement to reload at least HKD $100 before the end of every 90 days to retain the activity of the sim card (and thus the phone number).  I had to drop it because the putzes running the ccp-lapdog government in HK required everyone to register their verifiable personal details (such as HKID or foreign passport number) to every assigned number.

 

HKD 100 = around 15-16 CAD, which meant my cellphone "plan" for maintaining my HK number was around CAD $5/month.  Compare that to my affiliation plan I have with my Canadian provider, which costs around $40/month (just basic voice, text, and voice mail - no data), and some of the newer plans (with data) that they're trying to push onto me ($50+ per month).

 

I get that our geography doesn't lend to an easily constructed infrastructure, but still. :classic_rolleyes:

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On 1/11/2024 at 1:44 PM, 6of1_halfdozenofother said:

 

https://vancouver.citynews.ca/2024/01/11/mps-discuss-cellphone-plan-hikes/

 

I remember when I maintained a cellphone number from a service provider in Hong Kong.  It was essentially a "pay as you go" arrangement, with a requirement to reload at least HKD $100 before the end of every 90 days to retain the activity of the sim card (and thus the phone number).  I had to drop it because the putzes running the ccp-lapdog government in HK required everyone to register their verifiable personal details (such as HKID or foreign passport number) to every assigned number.

 

HKD 100 = around 15-16 CAD, which meant my cellphone "plan" for maintaining my HK number was around CAD $5/month.  Compare that to my affiliation plan I have with my Canadian provider, which costs around $40/month (just basic voice, text, and voice mail - no data), and some of the newer plans (with data) that they're trying to push onto me ($50+ per month).

 

I get that our geography doesn't lend to an easily constructed infrastructure, but still. :classic_rolleyes:

When the USD was at or around $1.20 or less canadian.

 

I had an AT&T phone living in the south okanagan with unlimited data free NA calling and texting and with full roaming cost me still about $9 less than my current plan from Telus.

 

 

With almost 80% of our population living within 4 hours of the border, there's zero excuses why our internet, cell phone, cable bills are so high; except a lack of competition and the allowance of our 3 telecoms to own the entirety of the digital specrum

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On 1/17/2024 at 8:45 AM, Warhippy said:

 

 

By the way, the money that is the subject of this article wouldn't happen to be yours, would it?  I seem to recall you mentioning you live in Penticton... 😉

 

https://globalnews.ca/news/10235899/penticton-mounties-look-for-owner-significant-sum-cash/

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  • 2 weeks later...

In an RV outside Walmart, a senior dreams of housing as ’dramatic reversal’ plays out

https://canoe.com/news/national/in-an-rv-outside-walmart-a-senior-dreams-of-housing-as-dramatic-reversal-plays-out/wcm/5928dc78-f221-4ad3-8966-810f3299b484

 

He’s been on BC Housing’s waiting list for subsidized housing for two years now. Every time he contacts the agency, staff ask him to check back in another six months, he said.

Article content

 

Light is among a large population of elderly people living in poverty or on its brink in British Columbia, where perennially high housing costs exacerbate countrywide cost-of-living woes.

 

Government statistics show people 65 or older in B.C. are twice as likely as younger adults to be classified as having low incomes in 2021. But it wasn’t always like this. Twenty years earlier, it was the other way around.

 

Low-income rates among B.C. seniors have almost doubled since 2001, and are almost seven times higher than in 1996, according to government statistics.

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  • 5 months later...

How are people affording to live nowadays?    If I was forced to rent for $1700 a month, buy transportation, eat well, save for the future, and live modestly: I simply could not afford it on a salary of $50,000 a year.  Just a simple list of expense brings me to $3500 a month.   The lowest earners of Canada are not making a net income of $45,000 a year....how are people affording things?

 

 

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2 hours ago, TheBearded1 said:

How are people affording to live nowadays?    If I was forced to rent for $1700 a month, buy transportation, eat well, save for the future, and live modestly: I simply could not afford it on a salary of $50,000 a year.  Just a simple list of expense brings me to $3500 a month.   The lowest earners of Canada are not making a net income of $45,000 a year....how are people affording things?

 

 


mostly dual income households and generational households (living with your parents). Though not to mention household debt is the highest its ever been so many people are living off a line of credit.. which will come home to roost sooner or later.


there are also lots of folks making six figures that fly under the radar and are doing fine.

 

one certainly needs to make more than $50k to live comfortably on their own, at least in the lower mainland. My bare minimum monthly expenses is around $3k 

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it's not uncommon here to hear of a story like this:

 

a multi-generational family from another from another country mortgage a big old house and have everyone from great grandma to little baby Jane all living together.   The working adults tend to work minimum wage jobs (or 2), share one car, use public transit, and eat cook/eat together.  The working adults only make $30,000 each but they pool their money and pay off that $250,000 home pretty darn quick.  Then, they buy the house next to them: rinse and repeat.  

 

In different countries, it's perfectly normal and almost expected to live with 13 of your family members all sharing one roof.  In Canada?  hell no!!  HAHA!  That would drive me nuts! 

 

 

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4 hours ago, TheBearded1 said:

it's not uncommon here to hear of a story like this:

 

a multi-generational family from another from another country mortgage a big old house and have everyone from great grandma to little baby Jane all living together.   The working adults tend to work minimum wage jobs (or 2), share one car, use public transit, and eat cook/eat together.  The working adults only make $30,000 each but they pool their money and pay off that $250,000 home pretty darn quick.  Then, they buy the house next to them: rinse and repeat.  

 

In different countries, it's perfectly normal and almost expected to live with 13 of your family members all sharing one roof.  In Canada?  hell no!!  HAHA!  That would drive me nuts! 

 

 

That may well be but think of this: combined, they pay one property tax and one school tax etc. Pretty easy to buy a home and pay it off fairly quickly by being wiling to  live this way.

 

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23 hours ago, TheBearded1 said:

it's not uncommon here to hear of a story like this:

 

a multi-generational family from another from another country mortgage a big old house and have everyone from great grandma to little baby Jane all living together.   The working adults tend to work minimum wage jobs (or 2), share one car, use public transit, and eat cook/eat together.  The working adults only make $30,000 each but they pool their money and pay off that $250,000 home pretty darn quick.  Then, they buy the house next to them: rinse and repeat.  

 

In different countries, it's perfectly normal and almost expected to live with 13 of your family members all sharing one roof.  In Canada?  hell no!!  HAHA!  That would drive me nuts! 

 

 

 

It's interesting food for thought, culturally, in many countries it's absolutely a norm for families to live in multigenerational homes, and there are absolutely benefits and drawbacks. 

 

I think it's actually becoming more common in Canada though, in part due to immigration, but also due to economic realities. I do think many younger adults are now finding themselves in positions where their most financially feasible option is to live with their parents longer for example. It also depends on where you live, I'm up in Dawson Creek and it's seemingly a regular destination for those immigrating to Canada, I've heard several stories of families and siblings working together to buy property. I do expect that we'll see more multigenerational housing being built going forward, and I wouldn't be surprised for the number of multigenerational households to rise as Canada's boomer and Gen X populations age; most people would prefer to age at home and family is generally leaned on most for support as people age. 

 

One of my good friends lives with his wife, young son and daughter, and his wife's parents in a home in the lower mainland. It's the only way they were ever going to be able to not rent, they're looking to sell the place and move into a place with more space, under the same arrangement. For many it's probably the only way they'll escape the rental market. 

 

In today's housing market, many couples simply can't afford to break into the housing market with two incomes. Two incomes can be pushed to the brink by rent alone, making it difficult to save. It gets even harder with dependents.

 

The numbers have already been getting bigger, in 2016 Stats Canada had the number of multigenerational homes at 406,645 whereas the 2021 census had that number grow to 441,750. In 2011 the number was 364,505. It'll be interesting to see what the next census data shows.

 

https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=9810013801

Edited by Coconuts
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  • 1 month later...

A nice first-person piece in that online rag of ill-repute, that far-left government mouthpiece ultra-woke communist red public broadcaster of yellow journalism, the CBC. :classic_ninja:

 

Quote

I was a financial mess before tragedy struck. But that reckoning brought a sense of empowerment

We enjoyed spending the money and we were trapped by it. That's just how life was

debbie-belgrave.JPG
Debbie Belgrave · for CBC First Person · Posted: Sep 07, 2024 1:00 AM PDT | Last Updated: September 7
Four members of a family pose for a picture in a park.
Debbie Belgrave with her family in Calgary's Fish Creek Park in 2018. From left to right are Tyler Belgrave, India Belgrave, Grace Belgrave and Debbie. (Submitted by Debbie Belgrave)

 

This First Person column is the experience of Debbie Belgrave, who lives in Calgary. For more information about CBC's First Person stories, please see the FAQ.

 

When I was younger, I gave no thought to personal finances. I drove a luxury vehicle, enjoyed travelling the world with my husband Tyler, eating out and feeling carefree.

 

I was also consumed by my work. I had a demanding government job that increasingly took up nearly all my mental bandwidth — leaving less and less for my family and hobbies. When I thought about it, I wanted to leave. But the paycheque went straight to utilities, childcare and an increasing debt.

 

We enjoyed spending the money and we were trapped by it. That's just how life was. 

 

The day everything changed was supposed to be like any other Sunday. I woke up in the morning when my four-year-old daughter India climbed on the bed. Then I realized Tyler wasn't beside me.

 

A man and a woman sit on a wooden boat with a busy marketplace behind them.
Debbie, left, and Tyler Belgrave sailing down the Ganges River in India in 2009. (Submitted by Debbie Belgrave)

 

He was still upstairs on the couch, lying in exactly the same position as when I left the night before, sitting upright, head tilted slightly left ear toward his left shoulder. And as India started to climb up and try to get his attention, he barely responded.

 

I called 911.

 

It was the beginning of a long journey for both of us — and not just a medical journey, but a trip that would challenge my own sense of self, finances, material things and life overall.

 

A neurologist in the emergency room said Tyler experienced a ruptured brain aneurysm and multiple strokes. He had a successful angiogram surgery, but afterward, the medical team warned me that he would not be the same person he was before. 

 

It was true. When we left the hospital, he was no longer outgoing, spontaneous and energetic. Eventually a specialist concluded in a written letter for government support, "Tyler will be unable to work again."

 

At first, I was just grateful Tyler was alive. Then I started to take stock of the situation. I remembered the little embryo growing inside me and my four-year-old daughter. I thought of our debts. The weight of our new norm came crashing down on me. 

 

In the months that followed, I dreamed I was crouching under an unstable bridge as a black tanker train rushed toward me.

 

A woman sits in a luxury car.
Belgrave used to drive a Mercedes-Benz, which she sold after having financial difficulties. (Submitted by Debbie Belgrave)

 

Tyler's income dropped to $20,000 a year from $270,000. I kept my secure, higher-paying government job out of necessity and relied on friends and family to get us through the first months.

 

When my youngest was born, I realized I couldn't afford to get a nanny. Instead I gambled that Tyler was capable enough to care for her and handle drop-off/pick-ups for India at kindergarten. The gamble paid off and everyone survived.

 

I made other hard decisions. We sold our luxury car and bought a 2005 Acura TL from my sister for $1. Our exotic travel destination became Kelowna, B.C., since we could stay with our best friend's family. Higher-end restaurants turned into a rare visit for Vietnamese takeout and I thrifted a designer dress for a good friend's wedding.

 

But the funny thing is, this isn't just a tale of struggle. Somehow managing my finances became something I enjoy.

 

At first, it was because budgeting was a balm for my anxiety. Every dollar spent was accounted for and when feelings of panic rose, I went back to the spreadsheet, did some calculations and took a deep breath.

 

That gave me confidence and I started reading books about personal finances, saving and investing, such as Your Money or Your Life by Joseph R. Dominguez and Vicki Robin. 

 

I remember the first time our mortgage came up for renewal. Because of that book, I started working on the mortgage renewal six months before the due date. I contacted two different banks, sat down with the branch managers, and sent email to recap the key points of discussion. We went back and forth for two months as they submitted applications and waited for interest rate approvals. 

 

I know this sounds like a resume but even as I type this now I'm proud of myself. I didn't accept everything the bank was telling me. Once the mortgage closed, I printed an amortization schedule and for each mortgage payment I made, I crossed it off with a black marker. 

 

A family of four stands in front of a statue of Walt Disney.
With their debts now under control, Belgrave, right, has been able to save for the occasional more exciting family vacation, such as this trip to Disneyland last November. (Submitted by Debbie Belgrave)

 

Soon I was paying off other debts, one by one, selling extra things from our household on Facebook marketplace. I started an emergency fund by setting up an automatic payment into a separate savings account — $25 a month.

 

It's been a long journey, but after all the tragedy and pain I actually feel a greater sense of freedom. Ten years later, I still work for the same employer but I feel like I have a choice, and I've found empowerment by working to create the type of life I want.

 

Tyler is a supportive, stay-at-home dad doing projects around the house and we're now able to save up for the occasional vacation. We're now more reflective and aware and our life together feels deeper.

 

https://www.cbc.ca/news/canada/calgary/debbie-belgrave-first-person-1.7311882

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On 7/8/2024 at 7:42 PM, TheBearded1 said:

How are people affording to live nowadays?    If I was forced to rent for $1700 a month, buy transportation, eat well, save for the future, and live modestly: I simply could not afford it on a salary of $50,000 a year.  Just a simple list of expense brings me to $3500 a month.   The lowest earners of Canada are not making a net income of $45,000 a year....how are people affording things?

 

 

Let me know. I'm starting to make alternate plans. Because I can barely make it in the mid $60's. 

It very well might be I have to move to Atlantic Canada because as lousy as the winters are there, it's still moderately affordable. 

 

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My mom just bought my sister a townhouse in Maple Ridge for $750,000. 
 

 I’m kind of surprised at how many places are 2+ million. People must have very good jobs and high paying career and businesses in the lower mainland. The economy must be flourishing for things to be worth so much. 

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On 9/7/2024 at 6:54 PM, Ghostsof1915 said:

Let me know. I'm starting to make alternate plans. Because I can barely make it in the mid $60's. 

It very well might be I have to move to Atlantic Canada because as lousy as the winters are there, it's still moderately affordable. 

 

It was up until about 5 years ago. I guess the stats are not updated yet? Perhaps you can still buy a decent priced house, but try $9 for a 4L Milk for example.

And yes, we have cows here...

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