How many Americans are you actually hearing this from? Most of the Trumpers I know have been suspiciously silent since ~3 days in.
It's unfortunately at least once a day, mostly online if you say you're Canadian anywhere right now, but I have a couple Americans in my family by marriage that are all too happy to constantly bring up how Canadians are weak & will soon be taken over once we're beat into submission.
We don't claim them lol
I feel like it has always been a prevalent stereotype among both political parties that Canadiens aren't as "tough", they easily surrender, they say sorry too much, they're softer than we are because we're boot strap mentality, etc. I'm sorry people are being THAT aggressive about it.
Any trump lover from the southern US especially needs to shut the **** up they’d get their asses whooped by a Canadian winter. They can’t even handle an inch of snow on a road but they’re gonna “invade and crush Canada”? They need to go back to sucking on their diabetic twisted tea sludge
A lot of the inflammatory interactions we see online these days are started by bots/AI. Not always, but a lot. Click on some profiles next time and see how many have weird profiles. Some random profile that's existed for two weeks with a bogus picture will post the most offensive comment and get people all riled up and start arguing in the comments, but the original poster never shows up again. On my local news, the same bogus profiles post the same offensive/trumpy stuff on every thing the news posts. Could absolutely be some bored person in a basement, but it's widespread enough that I think it's a bigger effort than just local media.
This. Same goes for Greenland. To quote exactly what he said last night "One way or the other, we are going to get it". 1. That's literally declaration of war??? You're flat out saying on live television and being quoted that you will basically invade. It truly baffles me how anyone believes these people care about us??
I'm so pro-Canada that last week I almost dropped a couple hundred buckaroos on Canada's English language proficiency exam so I could apply for permanent resident status at a moment's notice...
How can I also do this
Late to the discussion, but just wanted to point out that I have pretty much resolved that “a debt-free life” is just. not possible. You’re always going to have to be paying off something. Obviously, we here all know good and well that student loan debt can be absolutely ridiculous. Maybe I am naive for thinking this way but, I have just kind of come to terms with the fact that if I get into vet school, I will be making those payments for a long ass time. I decided that if it means I have to live smaller, that’s fine but like I just think chasing after the debt free life as soon as humanly possible will just not work. I am more after a “debt-manageable life”. And sorry, but me getting an iced latte isn’t going to be the thing that stops me from paying it all off in 5 years or whatever.
I was not, but my husband was. My dad was a finance guy, worked for the FDIC for his whole career and was good with money. Would pay in cash for big purchases when he could (which was often, because he was a boomer that paid $0.50 for his education with a huge return in his salary lol), but also always took advantage of good financing deals (such as no interest for x years). "Why give them all of your money now if it's free to keep it in your pocket longer?" To me that makes perfect sense, but he also wasn't making major purchases that he couldn't otherwise afford if there was no financing option.
I started with discover student. Then I got Chase Freedom Unlimited and a Chase Sapphire Preferred. The Sapphire Preferred has a slightly higher fee and the rewards are better on travel, but I use my Freedom Unlimited more for everyday purchases. They’re both fine though! I can probably scrounge up a referral code if you PM me and it’s not against SDN terms. My Sapphire Preferred limit is very high…which doesn’t really matter if you’re paying it off monthly but it does help your credit score to have a high limit/low utilization. I’m part of the ‘pay for everything with my credit card but pay it off in full monthly’ club. I actually pay it twice a month so I can keep a better eye on the budget.
I started with a local credit union credit card. No rewards, lower limit, but only 6% interest. It was a $500 limit when I was 18 and my dad was still on it and is now a $2500 limit with just me on it. I have another credit card but it's a store card and I HIGHLY recommend avoiding those unless you know that you will not impulsively spend. Mine gets me rewards at the store it's from and I get some travel benefits.
Def agree with Battie, don't do that if you can avoid it. Make that the card you use at the gas station and pay it off immediately. Age of credit matters, and closing an account will ding your score.
*cries in $450k houses that are a time warp to the aesthetics of the 1950s in my area*
I started with Capital One. There are definitely better options out there, but agreed, don't close it even if you don't use it. In the world of credit scores, closing cards and paying off debts is a bad thing, believe it or not. That's not to say you shouldn't pay things off, but don't be surprised if your credit score takes a hit when you get that 5k paid off. It's dumb.
Mine was built in the late 70s and looked it, and I have redone the floors, removed paneling and random decorative wall spindles, renovated two bathrooms, gotten all new appliances, and replaced the wooden privacy fence. Kitchen still needs an upgrade, but I’m not going to be the one to do it.
Did you DIY? I'm thinking that's what we're going to have to consider doing. Which could be fun because your dollar stretches farther, but I also have very minimal skills and my husband has none. My skills include helping my dad do various DIY things, but he drew the line at plumbing and electrical (for good reason, lol).
We had 2.99% in Florida (close on that house in late 2020). Still trying to come to terms with the fact that we may never see a rate that low again in our lifetime.
A mix! My dad is extremely handy. He and I painted and laid LVP floors before I moved in in 2021. I paid a local guy to retile the main bathroom and do the Sheetrock work relating to that plus the paneling and spindle removal so it would be done before I moved in. Paid a crew to do the fence last year…that was totally worth it because they had it done in two days and it would have taken us way longer to DIY. My dad renoed the half bath later on over about a week with my help. But I’ve spent maybe 15k total and think it looks significantly better.
That all looks amazing!!
A lot of that looks amazing! When the time comes, we definitely don't want a cookie cutter house and are willing to fix some of it up.
Second this!
Looks absolutely beautiful!!
It's rough out here. I've been stalking the sale records of the houses I've really liked and a lot of them have been bought by trust funds. They don't need to worry about rates and can offer as much over asking as they want as a result. It's so disheartening.
Literally put an offer in on a house today, and the realtor told our guy that there were several all cash offers from private equity. Luckily, the seller wants the home to go to *people,* but there’s only so much we can do, people will ultimately choose what’s best for them, and unfortunately this is happening everywhere. 😭
My mom has a 2.7% in CA and paid $365k for her 4bedroom house with a pool. After her divorce, bank is trying to push her to refinance with a 7%. Her mortgage would go from $2100 to about $3500. Insane
I think it depends on your area for sure. In my area, I really don't think companies are buying up homes in the way that everyone is believing they are. In my area in particular, not a single home of the 200+ I've stalked over the past year has sold to a corp. Not a single one. But, although I live in a major metro area, it's not a hot destination like Colorado, Texas, California, Florida, etc. have been recently. That could definitely be playing a role.
Also good luck with the offer! I hope you get it.
In an insane turn of events, the couple that offered way over asking on the second home we offered on got cold feet and backed out. Offers higher than ours had moved on, and so we got a house for cheaper than we expected to. 🤯🤯🤯
Haha, it's either staph or strep! Can now confirm that lidocaine or not, having something lanced HURTS (less than a joint tap, more than an injection). TMS is also not as bad as metro but way worse than doxy. I don't mind the learning what my patients go through thing, I think it helps us be more empathetic as doctors, but I'd love it if I could learn fewer things, please and thanks.
Congratulations!! That's amazing!
We ended up getting our offer accepted as well! The cost of the house still makes me want to throw up (435k...built for 211k in 2011 😒) and it's going to be a crappy commute for me, but this is probably going to be as good as it's going to get honestly. This same house would probably be 100-200k more if it was any closer to my job
Congratulations! May your home be filled with love, warmth, and happiness!We ended up getting our offer accepted as well! The cost of the house still makes me want to throw up (435k...built for 211k in 2011 😒) and it's going to be a crappy commute for me, but this is probably going to be as good as it's going to get honestly. This same house would probably be 100-200k more if it was any closer to my job
Yeah, as someone who's planning on applying to internships and residencies in the next few years, this worries me. A lot of vet schools are in red states...
Yep. I'm thinking about while it would've been a better financial decision to attend my in-state, my mental health if I were in Texas? Ha. Let's not think about that.
