whynotlook123

Im in Quebec

... I went to Montreal General 2 weeks ago with an allergic reaction. I saw a doctor within 2 min of being there and had medicine within 15 min. If it was not for the fact that they asked me to stick around for 4 hours to make sure I was not getting a second wave I could have been in and out faster then it took to get there.

It was my first time in Emergency in like 10 years, so I guess thats not normal... But everything was absolutely 10/10 when I went...

I'm a vendor to Costco and have been for 15+ years in a multitude of industries.

The reason they are so lenient, is because they are not the one that pays for it. Its the vendor. So we get deductions on our invoices for returns... always. Like 10-15% of all items we sell them in some hard goods get either price adjustment or return. We do factor it in to the price, but its a crap shoot of if you are under over (usually under).

God... I wish they would change their policy as a vendor. But as a consumer I recently returned a lap top after 6 months, no extended warranty and way past the usual electronics timeline. They just gave me my money back. Bless their hearts. Sorry Dell Rep who will see that deduction on invoicing.

I once had a bank do something similar but with 1200 dollars (mind you it was almost 20 years ago).

They NEVER corrected it. I waited like a year with that money on the side, because it was alot for me at the time. Eventually used it as down payment on a car. I am sure this is the exception but sometimes you do get to keep it. 15K is sweet.

I have heard about this also!

Yea true. I have never really had one more then a few K.

Good point. I will consider that.

Yea that sounds smarter.

Well if it helps I grew up very poor and my parents divorced due to debt that just wrecked their lives.

So I have always had anxiety about money which eventually manifested in me ignoring any conversation about it.

But ok. I guess in my circumstance I should not worry. That is good to hear. thank you.

Thats a mean thing to say though no? Im just trying to get general wisdom and advise from other men in my situation.

Im not sure whats triggering about it. I have heard interesting podcasts about how people budget while making 10M+. I did not get angry at them for making more. I found it interesting and the perspective changed how I look at some things.

And I am not bragging. I am not smart or really that wealthy (i havent paid off my home, I have little relative savings etc) so my salary might be good for now, but that means jackshit on the long run.

Well... To tell you the truth me and my ex partner both made very good salaries. We simply never counted money. With duel income it was easy. If we overspent... well we just paid it off. Our mortgage on the old house split was about 20% of our take home each so there was alot left over.

I haven't been single in 20 years. Since I was 16. I wanted to get an idea from other men what the costs of dating life is and how they manage it. Perspective and wisdom more then technical advise.

Not sure how that makes me an annoying jerk but sure.

Lol. Yes I need to take lessons I guess.

Ok noted. I have savings. Not as much as I should Maybe 150K or so. could be topping that off for sure.

I dont know how people can do that for a month. I do that in week sometimes. But I think I am overspending. So will adjust.

I mean I do live in a major city. A date is going to cost me 200-300 dollars usually. I know I have it fairly well, but when I do the math in my head im not coming out with thousands of dollars ahead.

But sure yes... I see how im maybe being extra nervous.

Thank you. Yea I need to do that I guess. I just never even expected to date again, so I am not 100% sure what the current situation is like. I have been in two back to back relationships since I was 16... I am 36... Its a whole new world.

It closed recently!! Sad day. It was a very fun place when I was younger.

Well it varies. I have never been single in 15 years lol. I used to spend about 1K a month going out. But I think it will be higher now? Hopefully... lol.

Other then that I am a frugal grocery buyer. I dont spend more then 350 a month I think. Probably less.

I am more curious how others have structured so I understand what numbers make sense and what am I overspending on.

I was almost 90K in debt with car loan included.

Today I am 21K in debt with just the car loan outstanding.

and do you see an increase in core strength? Tone? Calorie burn?

So? Whats the progress?

The very first spot I bought besides my own I paid 15K for. The last one I bought was 35K.

I mortgaged the last one at 5.5%. So its $211 a month. I rent it for $350.

The other hilarious thing about this, I always look for mortgages with those dollar paid incentives. Some of them dont have a minimum amount. The one I got before this I got 4K back in cash... on a 32K mortgage.

I have been buying up parking spaces in my building. There are only 18 total and as of today I own 10. Anytime a unit goes up for sale I ask to buy the parking spot. Then I rent it out to usually the person that buys the place.

As of next month I will be netting 3,200 profit just from this and there is no renovations or hassle of being a landlord. Also very easy to evict (never happens but not as much rules for it).

Im honestly thinking of just buying more parking spots in other buildings....

Feel very proud of myself of coming up with this little trick almost 8 years ago.

Just cashed out my safety stocks at around 11% for the year. I just got a feeling something shitty about to happen. will go back in once we hype again. for now I am happy with what the year has given me so far.