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Everything posted by Sean Monahan
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[Rumour] J.T. Miller Trade/Contract Talks
Sean Monahan replied to Podzilla's topic in Trades, Rumours, Signings
The same Blake Wheeler who signed a 5 year contract with a $8.25 M cap hit at 32 years old after coming off his career peak and has steadily declined since? -
[Official] Toronto Blue Jays Major League Baseball thread
Sean Monahan replied to The Stork's topic in Off-Topic General
Schwarber signed with Philly. There’s not too many left handed bats left to be had I don’t think. -
There’s probably better people to ask ITT but I’d suggest overestimating when you’re doing your budget prior to moving and then underestimating your budget once you actually do move out. Sort of like the concept of underpromising and over delivering. A few months after the move you can reevaluate and adjust from there, but for that first few months after you’ve just spent money on the move itself and adjusted to the new city you’ll know you can actually afford to live.
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[Rumour] Canucks trying to trade Halak
Sean Monahan replied to VegasCanuck's topic in Trades, Rumours, Signings
I could be wrong here, but bonuses are paid at the end of the season so wouldn’t the team whose roster he’s on at the end of the season be hit with the bonus? Even if he played 10 games as a Canuck, if he were to be traded it would be the team who acquired him that would take on the cap hit from the bonus. -
I’ve been taking my girl to Homesense on weekends so she can meet lots of people and we can avoid the rain when it’s here. Mirror selfies aren’t my thing but she was looking too cute in her sweater not to share.
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[Signing] Sean Avery signs with the Orlando Solar Bears
Sean Monahan replied to goalie13's topic in Trades, Rumours, Signings
He’s focused on acting for the last number of years. I imagine this is just Avery being Avery- it’s for sh**s and attention/publicity. -
[Official] Toronto Blue Jays Major League Baseball thread
Sean Monahan replied to The Stork's topic in Off-Topic General
I don’t think they need a premier bat to fill that spot anyway. A good fielder who can slash something like .260-270/.330ish/>.400 while popping a few HR’s and maybe 60+ RBI’s would be sufficient, wouldn’t it? That, along with hopefully getting a relatively full season of a relatively healthy George Springer, would do the job I would think. I’m spitballing here so my numbers could be way off and I could be out to lunch. Wouldn’t be the first time. -
Pearson, Horvat, Boeser, Myers, The frustrating 4
Sean Monahan replied to Odd.'s topic in Canucks Talk
I believe the team making the claim would take on the prorated cap hit, like acquiring a player in a trade. -
Or every time he mentions the high school a player or player’s relative plays/played at. That’ll get you banged up pretty quick.
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Not sure about Canada (and not opioids specifically but it is one of the arguments used by anti-restriction folks), but didn’t suicides actually decrease in the US last year? Pretty sure somebody posted those numbers ITT.
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I understand trying to play with an edge in higher end competitive athletics, but c’mon man. What a dink.
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Isn't Grayson Allen the guy that kicked people in the nuts a couple times while he was playing at Duke?
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I worked in the roads department for a city in the lower mainland here, let me tell ya a story. A year or two ago now we were working on a major road (MRN for the muni workers out there) and had a contracted flagging crew working with us. This one flagger was a single guy in his mid-late 20's, He's standing there, doing his thing controlling traffic, when a big semi came driving by at probably about 60/70 km/h. As it turns out, the rig had a bent rim or bent axle, something like that- I can't remember. The truck hit a low spot (sort of an undulation) in the road, and I guess this was the straw that broke the camel's back. The impact of hitting that low spot launched one of the truck's lug nuts off at a pretty dam high speed. Hit this poor flagger right in the groin. He dropped like a sack of hammers and actually got back up in a minute. He said he was good, we asked him if he'd checked for damages. I think he'd gone into shock so quickly he hadn't noticed anything, but when he checked his nether regions he found that the lug nut had hit him so hard it actually ruptured a testicle and mostly (maybe entirely? I didn't want to check it for myself) severed his penis. Single guy under 30 years old now a eunuch for the rest of his days. I never found out what came of it but I hope he is/was able to sue that trucking company into oblivion.
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[Rumour] J.T. Miller Trade/Contract Talks
Sean Monahan replied to Podzilla's topic in Trades, Rumours, Signings
They might. Tough to say. I think it’s far, far more likely they’d part with Schneider in a trade for Miller than a trade for Boeser (which is the assertion I was responding to) -
[Rumour] J.T. Miller Trade/Contract Talks
Sean Monahan replied to Podzilla's topic in Trades, Rumours, Signings
It’s not Kravtsov that’s the issue, it’s Schneider. Even without Kravtsov on the Rangers side of the ledger, that deal is far from fair value IMO. Halak has very little value and I suspect Boeser’s actual trade value isn’t close to what many Canucks fans believe it to be. Boeser is, IMO, a player to complement a core- similar to Sharp with the Blackhawks, as an example. He is not a core player. I don’t see the Rangers trading away their top prospect (who already plays NHL minutes for them) for a complementary piece who isn’t doing much this year and is due a QO that’s probably $1.5-2M more than his actual worth. -
[Rumour] J.T. Miller Trade/Contract Talks
Sean Monahan replied to Podzilla's topic in Trades, Rumours, Signings
The ‘+’ the Canucks would be adding to that would be prohibitively significant. -
I used to think the gym environment was overrated but I’m starting to get it now. Maybe cause I’m older, who knows. My gym from 2016-2021 was a huge 28000 sqft facility with a huge turf area for sleds, plyo/agility training, etc, several squat racks, benches, and platforms. $52 per month. I switched to Anytime Fitness when I moved last July because it’s a 300m walk from my place and the old gym was now about a fifteen minute drive. The hours and multiple locations are nice but the gyms (particularly the one across the street) are tiny and lacking equipment. Makes sense for their business model but not really my thing. I locked in for two years at anytime for $55. I can’t wait for that contract to run out so I can switch back.
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[Official] Toronto Blue Jays Major League Baseball thread
Sean Monahan replied to The Stork's topic in Off-Topic General
Curt Schilling can **** right off as far as I’m concerned. The only way I’ll accept Schilling ever getting into the HOF is if he eats his bloody sock then mouth kisses a transgendered person on live TV. -
Popeye’s gives Vitamixes away on Instagram “raffles”. I’m not sure how random the raffles really are, but I won a Vitamix from them just about a month ago maybe. Definitely not something you can bank on but it’s worth a shot. I was also going to add- just about any store that sells President’s Choice brand will have 4x450 G packs of frozen ground turkey for $10. Tough to beat that price. Also that chicken thighs don’t add on too many calories compared to chicken breast and are usually a fair bit cheaper.
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The BC Real Estate Discussion Thread
Sean Monahan replied to Harvey Spector's topic in Off-Topic General
I’m not sure I’d get much of a better rate on it. The mortgage broker gave me quotes from maybe 6-8 different lenders and TD was giving me the best rate at 1.5%. I believe the next best was 1.65%, I’m not sure who that was from though. My own bank (BMO) was absolutely no help and I felt even downright unprofessional- they all but laughed at me when they asked what I make, what I had saved for the down payment, etc. I should give my mortgage broker a call and ask her to review those pros and cons on fixed vs variable again. I found her to be very helpful as someone who was getting into the market for the first time. I’ve been on Mint for a few years now, I think going back to spring 2018 when I really began saving money in earnest. It’s a solid app that most people could really stand to benefit from. I’ve got a $40 phone plan, use the free gym at my condo, don’t eat out, etc. I was always a fairly “cheap” person but Mint really helped illustrate where your money can just sort of disappear to. I think I mentioned it on the previous page but I’ve been doing these cost saving measures preemptively more than out of necessity. I could afford to eat more than I do, heat my place, etc but I choose not to so I can maybe save a little slush fund for when these interest hikes comes. I’m a pretty utilitarian type of guy so this stuff doesn’t bother me at all. One thing I thought of this morning- who’s the person to talk to about this? A financial advisor? Mortgage broker? Both? -
The BC Real Estate Discussion Thread
Sean Monahan replied to Harvey Spector's topic in Off-Topic General
To be quite honest- and this really shows how naive I am with this stuff- I’d panicked so much that I hadn’t even considered into looking at switching to a fixed rate. My broker weighed the pros snd cons with me and sold me on the variable last spring but fixed rate might help with my worries. -
The BC Real Estate Discussion Thread
Sean Monahan replied to Harvey Spector's topic in Off-Topic General
Thanks Bish. I feel like I kinda digressed on that post. I’m not “working poor” quite yet and I do the cost saving measures so I can build up some savings, even if it is at a snail’s pace. I moved into this place with less than <$2K in savings after putting it all into the down payment and associated costs, which is why I feel I’m so vulnerable to rising interest ratings. I just wanted some opinions on the legitimacy of my fears. I know I’m a person with a propensity for worrying too much- on the plus side, that worrying makes me do some good things too, like saving money. If I can afford to do it I know that keeping this place is the smarter play. Even with a correction, I imagine I’ll see that value fully recover and probably more, just gotta keep making the payments on it. My fear is not realizing I won’t be able to make payments until it’s too late. “Optimism and patience”- I’ll have to work on this . All my friends are DINKS (save for one who had his first on Christmas Day) so I’ve seen all the benefits. While I was shopping for a 1BR, my friends were all moving into 2BR’s or townhouses. My buddy and his wife just outside Edmonton are 26 and 27, respectively, and own both sides of a side by side duplex that they rent as well as a detached home they live in with a suite. The three properties net them $100 per month. They’ve got a combined income of about $150K per year. There simply isn’t that kind of getting ahead for the vast majority of people in Vancouver. I know Edmonton isn’t exactly postcard pretty, but it really makes a guy think… Funny enough you mention the SO part. I went on a first date today, and a dog walk turned into 4.5 hours and going for a coffee before I ever looked at the time. Maybe I’ll have a mortgage helper before too long, who knows. -
The dumpster fire that is the Edmonton Oilers
Sean Monahan replied to MikeBossy's topic in General Hockey Discussion
Calgary’s not doing too hot lately either are they? -
The BC Real Estate Discussion Thread
Sean Monahan replied to Harvey Spector's topic in Off-Topic General
Looking for advice/opinions here. I'm 28, single/single income, and bought my first place last year. 1BR condo in Cloverdale/Langley. It's 2 blocks from one of the proposed Skytrain stations and 4 from another, so I think it has good potential as something to sell later on or to keep as an income property. Right now it costs me about $1500 per month for mortgage, strata, and insurance. Hypothetically, in a few years if I had a girlfriend/wife to move out with I could rent this place out and likely bring in a bit of profit each month. Now here's where I'm nervous. I qualified for my mortgage on a 5 year variable rate at 1.5% (variable rate was the mortgage broker's recommendation). Obviously since I qualified I can afford my place. Where I get nervous is at the though of climbing interest rates. Despite the stress test, I'm not entirely confident I could keep paying my mortgage if interest rates climbed to >5%. I'm almost certain that if they hit say >6.5% I would default on my mortgage within a year, assuming my income hasn't changed meaningfully in that time (which of course is something that is possible. I'm not ruling that out). We've all seen the way our cost of living in general has increased so much the last few years and will continue to for the foreseeable future with the way inflation is going. I paid $367K for this place with 20% down ($73 500), $20K of which was a "gift" from my parents. There's been three comparable units in my building that have sold since I moved in, with the most recent being a unit one floor below me that sold for $390K in December. A guy I work with is in the market for a 1BR and I half-jokingly told him I'd part with mine for $400K, to which he said he'd do it. Selling this place for $400K would mean I'd be walking away with about ~$106K, right? Minus the $20K back to my parents and there was some sort of first-time buyers program or exemption I qualified for that the mortgage broker told me I'd have to pay back I think it was $15K if I sold or rented this place out within the first year of ownership. Tack on some fees for realtors/lawyers (I guess I could cut out a realtor in this scenario? Maybe? Might also be a terrible idea, not sure) on top of that, and I could walk away from a $400K sale of my unit with maybe $60K in my pocket? Obviously it would suck to lose that $15K for the first-time owner thing, but my thinking here is this: Even with that penalty, I'd be walking way from here with a profit of several thousand in just a few months time. More importantly, I'd be walking away from the risk of defaulting on my mortgage. I read about the debt crisis in Canada and it makes me worry about what the market could look like in a few years. I can't remember the exact numbers, but I've read that if interest rates climbed something like 3 or 4%, a fairly significant 'X' number of Canadians would default on their mortgage within a year. A precipitous situation, no doubt. I can only assume that this would lead to a fairly meaningful market correction, right? My thinking was what if I sell my place, sit on my cash or maybe safely invest it somehow and keep saving in the meantime, then try to buy back into the market after the correction? "Buy the dip", so to speak. I'm not really sure what to do. Money's tight for me and I worry about this a lot. Hell, I'm only eating about 10-12 meals per week these last few weeks to save money after getting hit with a special levy to pay for some relatively minor damage to the building caused by the flooding in November. I buy what's on sale, live a cheap social life (dog walks with friends, hang out at home and split a 6 pack, etc), don't heat my home and spend my time at home with the lights off other than when I'm cooking. I've gone over it several times and I'm not sure where I could pare back my expenses much more. I don't want to talk to my parents about it, mostly because I feel they've already helped me enough but also because it's a little embarrassing. My anonymity amongst you fine folks helps. And before some boomer wants to tell me to shut up and work harder or something to that effect. I spent a little more than a year working two full-time jobs as well as coaching baseball/doing hitting lessons to save up the down payment for this place. I ran off about 5 hours of sleep split into two naps. It was only 5 years ago I was coming out of uni with about $35K in debt. I've been working my ass off and pinching pennies for several years now to climb out of that debt (which at one point seemed completely insurmountable and is really the reason I always worry so much about money now) and get into the market. I don't want to end up catching a falling knife here. I apologize for the long windedness but I had to talk to somebody about it. And yes, in order to continue to pay my mortgage post-interest hike I could pick up a second job again. Currently I still coach baseball and do a bit of side work for my uncle in addition to my full time job. I should've added that it's not just simply the ability to pay the mortgage that worries me, but also being stuck with a place that's seriously devalued and having a mortgage that's not commensurate with its value anymore (a la the US in 2008 on a more minor scale I guess?) Thanks to anybody who takes the time to read this. If you have any sort of advice I'd love to hear it. -
The dumpster fire that is the Edmonton Oilers
Sean Monahan replied to MikeBossy's topic in General Hockey Discussion
In the 2014/15 season he was playing for the Erie Otters.