Sign of the Times: Help Wanted

[MarkB]

You should be aware that they just changed the name to to CRB with the same payment but took 10% off the top, so $900 every two weeks. The NDP is pushing the feds to keep the benefit going, go figure.

I can confirm CERB payments continued ... just under a new name. My wife has been forced to stop work due to COVID, and fortunately she can still collect this. Also, more fortunately, they were allowed to open again, so she is back at work ... the "CERB" payment is helpful, but doesn't cover her salary.

[MarkB]

Sorry no, with starting salaries coming in at $50K and rent being $1500 in Ottawa, for a 1 bedroom apartment, there is no way to actually get enough of a down payment to afford a house right now.

A $50K salary is about $38K when taxes have been taken off, that leaves $3166 left per month, rent off of that leaves $1666 per month. Now, assuming you need to be able to drive to a job you will have insurance, possibly a car loan because you could not safe up during school as you were paying for school. Lets be nice, $300 for a car loan and insurance, $130 in Ottawa if you exclusively take transit. You now have $1366 to live on. To be able to find a job you pretty much need the internet and a way to communicate, lets say you are going to the library and have a lower end cell plan, you are most likely down to $1300 at this point. Rent is also not all inclusive, so you have utilities, heat, hydro, water, going to run you $300 and that is being cheap. $1000 left in your bank account for the month. Now you have to eat, $300 on groceries a month? The average in 2017 was $200 but in the last 4 years the price of food has gone up. Now you are down to $700 a month, I have not included the cost of union dues, benefit deductions, professional dues, gas to get to and from your job, so lets say you have $500 left after all the extra payments you have to make in a job, as an engineer. The average raise now seems to be about 2%, which is at or below the cost of inflation, so it can be neglected from the equation.

You have $500 to go in to the bank each month. Condos sold in Ottawa for $425,000 at the start of June in Ottawa, not big single family homes, condos and town houses.

The basic down payment for a house at this price is $42,500, so that would take 85 months to save up, which is over 7 years yet the housing price increases will make that impossible.

Unless you are being given a down payment by your parents there are not really many sacrifices that can get you in to a home.

Even if you cut that rent down to $1000 a month, which is next to impossible to find, you are still looking at 3.5 years before you can afford a house in 2021 but it will be 2024.

The solution is multiple family homes ... which is why this is a growing trend. Two families ... split all this time and cost in half. And if you hit the mortgage hard with payments (especially with the low interest rates right now) ... the two families build up equity fast, and can soon each afford their own home.

I've already convinced my two boys that their first place will be co-owned by the both of them, they are 19 y.o. and 13 y.o. LOL ... I will help them a bit, but that is the only way ... either that, or move far away from Toronto, maybe even out of Canada.

[Cameracutter]

Ok, will you start a company and pay your employees that rate of pay? DO you have a company and pay that rate of pay. You wont because running a company requires cash flow and a bank balance to stay viable. Unless you are trades based company 90% of all companies operate on a profit loss model, and wages by far are the highest expense of any company. Wages include WSIB and CPP. How do you pay high wages and continue to compete with other companies in the same field, and win jobs. See that is the issue, you build a business model based on wage/labour costs and operate a profit/loss company. The forced mandate of $15 hr caused more layoff then jobs, accelerated automation (self checkout) implementation in large corporation who have deep pockets to afford costs up front. Ask anyone who got the $15 raise, how much buying power do they have now with extra income, as inflation and commodities went up to recover the cost of labour.

See this is false narrative used by left to get votes, $15 per hour, why $15 why not $100 per hour...because we all know it will cause the cost of everything else to rise to pay for it - effectively negating and wage labour gains by workers.

If you both make $15 per hour and are married and decide to have kids, that's your problem and responsibility to provide based on your abilities. No one else is responsible for your choices and no one else owes you any duty to provide your needs. Furthermore, those complaining about $15 need to take a look at own budget, bet they have a nice phone, car payment, credit debt and therefore are poor (in debt). By your own account a couple making $15 actually make $30 and fit within your $24 rate..but that is not the kids of today responsible (for the most part, not all), they refuse to go without shiny objects and demand help for the bad choices they made...like student debt.

Lastly start your own evil corporation/small business and pay your people $24 per...and see how that goes, in the competitive market.

Well I run my own company, and it’s gig based. When I need assistance, people are paid based on the service that they bring. Basic unskilled labour $18.75 per hour. Skilled labour goes as high as $56.25 an hour. And my company seems to be doing just fine. So as much as I appreciate the lectures I receive here, the majority of it comes off BS. Yes it takes sacrifice to get to where you want and it’s up to the individual to choose what kind of life style they want. But scanning through the thread, all I see is Right wing gaslighting. But that’s just my opinion. Others will form their own.

[Bowjob]

lol. went to school, graduated, applied everywhere, meanwhile im about to go back to bed right now so i can wake up for my overnight shift again.

school means nothing. just another debt hanging over your head so you can get a piece of paper.

tell your kids to get into a trade or nothing.


might have been different when you guys were kids, just like getting a job now is way different than before.

i work 40 hour weeks, and im lucky if my pay every 2 weeks is over $1000

will be saving up money to go move to a unorganized township whenever that day comes and hopefully someone over there needs a forklift/ reach operator. lol .



edit :

apparently home depot doesnt pay more or forklift operators, hence my plan is to get licensed get some experience and hopefully go somewhere else where forklift pay is way more.

[greatwhite]

Generally school shows you are capable of being trained to do something. In today's changing world you need to be flexible.

I graduated from Sir Sandford Flemming in Lindsay Ontario in 1993 and then studied Pest control in 1994 after working Seasonal in Ottawa for Chemlawn (A lawn care company now Tru Green), I decided to go back to school again and study computer Programming, since that time I have taken Oracle courses, Sharepoint courses etc. Life and work is a continuous learning process.

What type of work do you do? What did you study

lol. went to school, graduated, applied everywhere, meanwhile im about to go back to bed right now so i can wake up for my overnight shift again.

school means nothing. just another debt hanging over your head so you can get a piece of paper.

tell your kids to get into a trade or nothing.


might have been different when you guys were kids, just like getting a job now is way different than before.

i work 40 hour weeks, and im lucky if my pay every 2 weeks is over $1000

will be saving up money to go move to a unorganized township whenever that day comes and hopefully someone over there needs a forklift/ reach operator. lol .



edit :

apparently home depot doesnt pay more or forklift operators, hence my plan is to get licensed get some experience and hopefully go somewhere else where forklift pay is way more.

[Bowjob]

Generally school shows you are capable of being trained to do something. In today's changing world you need to be flexible.

I graduated from Sir Sandford Flemming in Lindsay Ontario in 1993 and then studied Pest control in 1994 after working Seasonal in Ottawa for Chemlawn (A lawn care company now Tru Green), I decided to go back to school again and study computer Programming, since that time I have taken Oracle courses, Sharepoint courses etc. Life and work is a continuous learning process.

What type of work do you do? What did you study

videogame design and animation. did some coding but was not into it so i stuck with the art side. (3d models, animation, texturing. ) (i barley know one language wasnt going to try and learn another LOL )

the main problem is i had a issue with one of the profs who long story short resulted in making me stay back a extra year. still did all my crap got everything done, but honestly that prof screwed my enthusiasm for what i was doing as a whole, also because i had to stay the extra year i no longer had my programs once i graduated because they expired after a year i was suppose to finish.

didnt have thousand + $ to get the programs back i needed to start making new things for a portfolio.
(zbrush, 3ds max, maya , ext. )


still alot of the guys i was in school with are working minimum wage jobs right now still.


ps.

totally get what youre saying, maybe it was just my experience but i do feel like alot of people now adays that go to school kinda get screwed in the same situation. when i was woirking my other job couple of the people in Starbucks had full degrees but were stuck working Starbucks jobs, this was maybe 4-5 years ago maybe again could just be the field of work idk.

[MikePal]

But scanning through the thread, all I see is Right wing gaslighting.

That's hilarious..first time I've seen a common-sense financial discussion called 'gaslighting' by the Left wing.

But from folks whose leader thinks budgets balance themselves, maybe fiscal restraint to achieve a goal might be a little hard to grasp.

[MikePal]

totally get what youre saying, maybe it was just my experience but i do feel like alot of people now adays that go to school kinda get screwed in the same situation. when i was woirking my other job couple of the people in Starbucks had full degrees but were stuck working Starbucks jobs, this was maybe 4-5 years ago maybe again could just be the field of work idk.

It's not going to school ...it's what you take. Going to University to become an Engineer, Lawyer, Dr. Accountand, etc is great, opens a lot of employment opportunities.

Going to school to study Art History, Anthropology, Women's Studies and Geography not so much....In Ottawa, that'll get you a job as night manager at Harvey's.

[greatwhite]

Programming in general is a tough but lucrative job. Much has changed since I started in 2000, I still really only program in Visual Studio and do SQL Server and Oracle.

Most programming jobs now require you to know all kinds of other stuff that I have never bothered with so I am still really old school. These days you need to know all kinds of languages luckily I am on my way out and if I can squeeze in 3 - 5 more good years I won't have to worry much anymore. I will still need to work some maybe drive a school bus and do some cash jobs here in there.

But you have to do what ever you can. When I was laid off of my last permanent position in 2015 I spent the winter working Dairy (I was already working there on weekend for extra coin). That Spring I found a small contract for 6 months then that was finished and I went to cut firewood for a fella for 16.00 / hr cash working 6 days a week in Jan. The in Spring back to Lawn care for the Summer and then I finally started getting more contracts. Just finished a government contract which was boring but very lucrative and going to start a new job as a System Analyst a permanent position and lucky me my boss will be a friend of mine who got me into computers 21 years ago right about the same time.

One key thing is you must be willing to do anything I got this job because my buddy trusts I will work to the best of my abilities and when required I will work overtime (time off in lieu)

I did ask he he could fire me in 4 years so I could get a severance package, but he said he was quitting in 3 years.

These days you need all the skills you can learn If there is money involved I'm usually there. I did think about going back and cutting wood on weekends again but getting tired these days.

videogame design and animation. did some coding but was not into it so i stuck with the art side. (3d models, animation, texturing. ) (i barley know one language wasn't going to try and learn another LOL )

the main problem is i had a issue with one of the profs who long story short resulted in making me stay back a extra year. still did all my crap got everything done, but honestly that prof screwed my enthusiasm for what i was doing as a whole, also because i had to stay the extra year i no longer had my programs once i graduated because they expired after a year i was suppose to finish.

didnt have thousand + $ to get the programs back i needed to start making new things for a portfolio.
(zbrush, 3ds max, maya , ext. )


still alot of the guys i was in school with are working minimum wage jobs right now still.


ps.

totally get what youre saying, maybe it was just my experience but i do feel like alot of people now adays that go to school kinda get screwed in the same situation. when i was woirking my other job couple of the people in Starbucks had full degrees but were stuck working Starbucks jobs, this was maybe 4-5 years ago maybe again could just be the field of work idk.

[Fox]

The solution is multiple family homes ... which is why this is a growing trend. Two families ... split all this time and cost in half. And if you hit the mortgage hard with payments (especially with the low interest rates right now) ... the two families build up equity fast, and can soon each afford their own home.

I've already convinced my two boys that their first place will be co-owned by the both of them, they are 19 y.o. and 13 y.o. LOL ... I will help them a bit, but that is the only way ... either that, or move far away from Toronto, maybe even out of Canada.

You just said it "I will help them a bit", that is the only way they will be able to own a home, even together.

The lump sum required to purchase a house is what will be the problem, not the payment, and things are being made harder and harder by these stress tests and also the insurance that you must buy (if under 20% down) that will pay the bank if you cannot make your payment. Yep, you have to purchase insurance not to help you pay the mortgage if you lose your job but that will pay the bank.

On top of that jobs are not full time with bonuses and decent raises anymore, they are contract jobs with minimal benefits.

Things are entirely different than they were for the baby boom generation, which is the richest generation in history and their kids will be the first to have less than their parents, the first time in recorded history on the subject.

I am still trying to figure out where these guys come from that sit at their desk, collect a huge salary at 70 with 6 weeks holidays, no expenses, collecting EI, OAS, a pension while working and then look at the Millenial (24-40 years old) and say "what is your problem, stop being lazy". If they just retired then 2-3 millenials with up to date knowledge would be able to be hired, but you cannot tell someone to retire anymore, that is illegal.