It wasn't cut off, it starved to death

1) Don't go to a bank, use a mortgage broker (and I'm not talking a Brampton mortgage)

2) Banks are offering far better than 8.5% - you must have really crappy credit https://www.reddit.com/r/Perso...

Could be better, wife cooks & bakes like a pro so I eat like a king

Southern Ontario. 2100sqft, renovated but not finished (missing baseboard, trim, a couple doors... stuff I'll have done in a weekend)

~1h North of London

Walking distance shopping is such a waste of time. We get 90% of our shopping done in part of a day each month. It frees up so many hours and lets us control expenses so much better.

You've got some very bad calculations. $62k gross, for now. $300k @ 4.29%

River walks, forests, fields, parks are all within walking distance. Shopping I would much prefer to drive because I don't like to shop often. We buy in bulk, shop once or twice a month at most, everything except a Costco is within 10mins. Gigabit internet. The only thing we don't have is public transit. I have space to live though. I don't have to choose between enriching my landlord further by doing maintenance myself or not having maintenance done. A private yard to enjoy the outdoors without having to go out in public. Space for our dogs. Space to store things so we can enjoy our hobbies on our terms not on a rental company's terms. We finally have control over our lives, which is priceless.

If you think competing for whatever scraps you can get in a city is worth it, more power to you. We choose better for ourselves.

Millennial, remote worker, we just bought in a rural hamlet.

To buy in the city it would cost ~CA$1-2 million. Where we bought, $315,000. We couldn't even afford to rent at market rates in the city without rent control let alone get a downpayment/carry a mortgage for something priced that high.

Jammed in a slumlord's shoebox with roaches or 2100sqft detatched in the country - which would you take?

My wife's company went fully remote for her office. Nothing changed. The workers worked hard. The scammers scammed. Management didn't promote anyone to management, they hired externally or bought a company and dumped their managers into vacant roles. If you're not part of the churn, you're career is dead.

I have the disease. I understand it very well.

If I am focused on a task, I can have every distraction in the world around me and I'll hyperfocus my way through it.

If I can't focus on a task, it can be the only thing in the room and I'll do anything and everything else.

Don't take my word for it - here's exactly the type of thing that happens: https://www.youtube.com/watch?...

Tech startups who fundamentally misunderstand a disorder.

Distraction is the result of executive dysfunction. If there's no source of distraction, our brains will create them as a coping mechanism to avoid overtaxing the executive. That can be as simple as spinning in a chair.

Designers looking for glory took over and all the focus went to how the product looked and not how it functioned. When XUL went away all the functionality went away and it became a bug ridden inferior clone of Chrome. I'm still on half a dozen bugs that haven't been touched in a decade. No one wants to do the grunt work, it's not sexy enough for the egos at Mozilla.

There are virtually no exclusive games on either console so why buy into those ecosystems?

Assassin's Creed is best when it's about telling rich stories. We've got enough big empty games already.

For some reason I suspect their definition is any program that does not pay them to be on there