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74# Catpiano


Yeah...I guess he's lucky.
My mom's apartment (in Van here) is 20 yrs old but already requires tons of $$$$$$$$ to fix....

Of course if I can afford I go for newer property la...but it's not easy for first time buyer...

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Yeah!!

Versa, where is your middle finger PICTURE???  lol

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ha ha .. seems like Versa ..  and many LYK .. finally .. GIVE UP!! NO AIR! lol

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49# mcjohnjohn


如果係返夜shift,通常啲工資係高啲嘅。
如果係老細叫開OT,有啲公司(financial)會有OT$,IT field要開OT嘅,我就從來都無聽過話有OT$哩回事囉。 ...
fibbi 發表於 2010-1-5 00:47

原來如此~ 咁同香港都係差唔多之麻~
祝大家永遠快樂! ^^

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原來如此~ 咁同香港都係差唔多之麻~
mcjohnjohn 發表於 2010/1/4 18:12


ya, HK is not so bad

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"""You said, in general, HK, Tokyo, London etc ..  are EXPENSIVE to buy a home ...
But you can't prove it?"""

according to sugar suites which located on 2643 east hastings, a 645 sq ft(not including the public area wor) condo starts from $259000 CAD.  which included granite countertops, stainless steel appliances, including a gas range, Kohler fixtures and soaker tubs in the bath, electric fireplaces, laminate hardwood and ceramic tile floors +  a large lcd tv.  this is 15-20 mins bus to downtown vancouver.
could you find some $1.8m brand new apartment which is 15-20mins bus to downtown HK and not less than 645sq ft(the actual apartment area, not include any public are ar).

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本帖最後由 tofu 於 2010-1-4 20:01 編輯

咁講,俾rent又係俾$,俾mortgage都係俾$,俾咗mortgage,供滿咗間屋就係你嘅(呢啲嘢個個人都知),咁喺financial management point of view,有property 就係有asset,經濟上可以多咗option去再做其他嘢。俾rent就係liability,無乜效益囉。

for the identical property, usually the rent you paid is less than the mortgage+property tax + maintenance.
cash or stock can be asset as well.  so instead of put your saving toward downpayment, you can invest your saving + adding the difference between (mortgage + ...) & rent.   so you are accumulate your net asset as well.  also the first few years mortgage payments are mostly toward the interest.  plus you get the flexibility to move due to job relocation or....  of course you may loss money in stock market, just like you may get a leaking apartment as well

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I think culture and environment is different. House price in DT Van is comparatively expensive, but prices in Mongkok, Wanchai, and Causewaybay are less expensive than some "less-urban" areas.

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北美有奉旨免費OT嗎?
yes, they don't ask you to work ot, but you need to finish your work on time.  i worked for a big corp before, but none of us get a penny ot.  of course not 朝八晚十, but one hour+/day is normal.   usually the hourly paid staffs will get ot, but not the monthly paid one la.  the most give you an extra day off/ yr la

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Yeah!!

Versa, where is your middle finger PICTURE???  lol
Catpiano 發表於 2010-1-4 18:00


I do not ruin a good discussion topic just because some self-centered dude.

Not worth my effort la.

Unless he keeps on targeting me again...

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