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trail-worker's posts

6332 posts found

Dec. 22, 2016, 10:17 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
Look at this forum

What type of member should I be alienating?

He accused me of comparing e-bikes to sexual assault. If you are going to make such an idiotic and demonstrably untrue suggestion you better expect a reaction. There are times when I have over-reacted and regretted it but this I don't regret this reaction at all.

And besides, he had already left.

Hey Cam, came back to say that my comment earlier this morning wasn't well explained and very well deserved the string of f-bombs and shit talk it spurred (although to be fair I was pretty surprised it came from such a mellow guy, guess it struck a chord).

To be clear, I don't think you compared the two directly although when I re-read my comment it sure sounded that way.

My gripe with comparing the reaction of sexual assault to the reaction of e-bikes in that article was that it undermines the former in my opinion, and to any non-biker reading the front page of NSMB bikes are a silly recreational pastime and sexual assault is, well, serious. But that's just my opinion.

It's probably the only time I'll be accused of being overly sensitive or politically correct in my lifetime, but there it be.

Aside from that keep up the good work with the site. Its been a staple in mountain biking for me since sometime around '99 and can certainly say there's been alot more good than bad in all those years.

Dec. 22, 2016, 10:13 a.m.
Posts: 6,449
Joined: Nov. 19, 2002
Look at this forum

Yup. I think Cam wants the clicks though.

After reading that stupid e-bike article this morning comparing electric mountain bikes to sexually assaulting women, I wish Cam the best of luck with this forum in the future. You just lost a couple more clicks from me bud

Dec. 20, 2016, 2:56 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

so how do the figures shake out for the rest of BC where lets say a 1st house might be 200K?

I think it'll just drive prices up across the province…this is what I see happening:

People living in lower mainland/southern Island/kelowna/wherever bubble get excited, think they can afford a first house because gov. is giving away free money. Buy expensive wine to celebrate soon to be home ownership.

Go to bank, realize that their incomes aren't even close to high enough to qualify for a mortgage on a high priced home in bubble zone.

Come home desperate and despondant; still in shitty rental bubble. Upstairs neighbours have a domestic later that evening, kids stamping around screaming, aspiring DJ neighbour pumping shitty drum n bass all night, or whatever. ok enough is enough.

They see a facebook post from their friends who just moved to whatever small town in BC out blasting powder turns without crowds, scroll back through pics from the summer and said friends were out gardening (actually have a garden!), swimming in the lake, living the life. Friends now own their own home, pay next to nothing for a mortgage compared to rent, their kid goes to some nice school and everyone at the coffee shop knows their name. Friends have made some connections in the community and mention that a job posting just opened up at the hospital/school board/whatever.

Couple starts looking at real estate in other small towns across BC that they never considered living in, drink bottle of wine, imagine themselves moving somewhere else. Hey, this could actually work!

Boom, real estate demand in small towns goes up across the board. Maybe not shitty small towns, but anywhere with even a few job prospects, cheap real estate and other families will go up.

I predicted this exact thing a little over a year ago, and house prices in this area have gone up $100-200k since then for the exact reasons I stated above. Most new families are coming to this area from the lower mainland, calgary, toronto because they couldn't afford a house where they moved from and even though RE was already pricey, its still a bargain compared to the city. Other small towns, like the one you live in XXX'er, will feel the same crunch. Property Values are on the decline in Vancouver, but have gone up almost every where else in the past year.

The New York Times even wrote an article about it last month:
With Flood of Urbanites, a Canadian Hippie Haven tries to keep it's mellow

Dec. 19, 2016, 4 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

Easy, just put down 5% and save the rest for a year, then pay a lump sum on the anniversary of your mortgage with whatever you have left over. Or fuck it, spend it on furniture, a new car and holidays because you deserve it.

yeh but you don't get out of mortgage insurance that way. not enough loophole

Dec. 19, 2016, 3:36 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

I'm on the other end: responsible. All I see is the BC gov. giving me free money (below market lending) that will reduce the front loaded interest on my mortgage and make it possible to achieve 20% downpayment on my own. In the correct-use scenario, you avoid paying mortgage insurance, reduce mortgage interest, and pay back the loan instead of doing accelerated mortgage payments. My issue right now is getting 20% DP, not making monthly mortgage/strata/tax/etc payments; I already do that in the form of rent.

totally..I'm just saying the majority of people will probably end up in a shitty situation in 5 years, not everyone though. If this had come about a year sooner I'd probably keep my mouth shut, stick my down payment in the bank in a high interest savings account and roll with the tax-payers money for the first 5 years too, profit from the interest earned and pay back what I borrowed right away when the time was due. Free money. I'm guessing, but not sure, that they might have something that stipulates that if you already have the money for 5% down payment they won't lend to you; but who knows.

I don't know the answer to this, but will they lend you up to $37.5k to achieve 20% down? The wording makes it sound like it's only to get 5% down…Christies friends in insurance and big financial firms probably wouldn't be too happy to find out she invented a loophole that would allow people to skip out on mortgage insurance, save on interest etc but I might be mistaken. Curious to know if anyone knows the answer to that

Dec. 19, 2016, 2:27 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
Plan for Legal Marijuana system in Canada

from what I understand the black market is thriving and doing more business than ever in the states…more people start smoking when it's legal; the ones who already did increase their production and suddenly everyone gets tired of paying the steep prices the dispensaries are charging and looks elsewhere. In steps the black market to capitalize..

I think a big future in Canada will be the actual testing of cannabis and products..the states has strict testing to show the THC/CBD content, any mold spores, chemical fertilizers etc…Canada will probably (hopefully) adopt the same protocal. From what I've been heard any testing that is done right in canada now is basically BS and just made up numbers, so there's a profitable angle if you're the smart scientist type.

Dec. 19, 2016, 12:11 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

Correct payments don't have to go up, but you are now in a 30 year mortgage and even greater levels of debt. It just a terrible policy all around. Will be interesting to see how desperate first time homebuyers are, and how many in fact take the loan.

I'm willing to bet that many will go for it…most first time home buyers would be younger people and many simply don't understand how interest and loans work. It's pretty easy to have a rosy outlook on the future when you're getting out of an overpriced rental situation, too. Desperation is a bad card to hold..

Dec. 18, 2016, 11:12 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

cant say im surprized those, banks have always been for people who have money not those that actualy you know need to borrow…

hate to say it…but here's your chance

Dec. 15, 2016, 1:44 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

helping poor people who cant save enough for a down payment to get in the market.

Household combined income of under $150k isn't exactly "poor" people - that means buddy making 6 figures with a stay at home wife who blew all his money on truck and toy payments for the past bunch of years can now get my taxpayer dollars to help him out of a completely foreseeable housing crisis.

Also, must be a BC resident for 1 year… (so all the albertans who fled their precious oil market and moved to BC when it shit the bed can qualify to borrow taxpayer money here actually making it less affordable for long time residents of communities across the province).

This doesn't really help the poor out - yes, the poorer demographic might qualify to borrow the 5% or $37.5k for a down payment, but without a good paying job will likely not qualify for an actual mortgage. I know this because I don't have a particularly high income and qualifying for a regular mortgage was difficult so I had to learn to be better with money, scrimp and save for years to come up with a 20% down payment to get out of regular CMHC requirement. 35% actually, because I bought raw land but that was my own choice really.

Dec. 15, 2016, 12:31 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

Prices finally dropping?

Let's add some more gas to the fire.

wow that's quite something. Prices across BC probably just went up %10+ when that hit the press, houses for everyone! I wonder if I can retroactively apply for this thing after sweating my ass off for years to save for a down payment..lol.

I'm predicting a massive economic crisis in 5 years time when everyone who jumped on board realizes they actually, you know, have to pay back this loan.

Dec. 15, 2016, 6:44 a.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Camper, Trailer or Adventure Vehicle Thread

Looking at a Toyota Sienna as a "sleep where you stop" vehicle for mostly summer biking excursions. I'm thinking that the main mod is removing all the rear seats (or back row at least) when we go on road trips. It's just the two of us, so we need one bed and space for gear. We won't be heading up 4x4 roads. Pros/cons?

what year Sienna? I think the newer ones have the stow n go seats..if you remove them altogether and use the space they'd normally fold into for storage you get a bit mre space. Minivan camper looks like a great compromise if you mostly need a sleeping area and won't be hitting too many rough roads. Benefits of the minivan are obviously fuel mileage is going to be much better than a cargo van, it'll be nicer to drive and won't need much in the way of conversion compared to a repurposed cargo van.

Friend of mine has a Honda Odyssey with all the seats removed, built a 6ft sleeping platform just high enough to fit shallow rubbermaind containers underneath for storage, the back area where the stow n go seats is big enough to fit 2 mid sized rubbermaid for wet gear and kitchen supplies. It leaves about 2ft behind the front seats, probably just big enough to cram 2 bikes inside at night or when you need to park somewhere and keep things secure.

Dec. 14, 2016, 4:23 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
darts on the telly

more exciting than nsmb whenever I check whats going on in here. Yup, dropped by just to post this

Dec. 2, 2016, 7:15 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
WTB: Burton Cartel / Mission or equivalent

I have some L/XL Union Force bindings which are barely used. I'm selling them with a 165cm Never Summer Raptor which is in good shape aside from a ding in the metal edge which caused a bit of base extrusion a few years ago. I haven't had any problems from the ding and it didn't cause and delamination, I'd expect you could ride it hard for years to come without problems but I'm done with paying for lift tickets so no need for either of these any more.

Take em both for $200 or whatever, let me know if you're interested

Dec. 2, 2016, 9:37 a.m.
Posts: 6,449
Joined: Nov. 19, 2002
Subaru Mechanic

Why buy another subaru? Theres plenty of pretty nice awd options out there these days that don't have known weaknesses like these motors.

Everyone loves subaru's, but your mechanic loves em most because he knows that after you spend $3k on new head gaskets you'll be back within 6 months needing another huge repair.

Nov. 29, 2016, 2:57 p.m.
Posts: 6,449
Joined: Nov. 19, 2002
The Decline of Vancouver.

pretty much me too…

where you headed uncle duke?

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