Poll How has COVID-19 affected you financially?

Poll: How has COVID-19 Affected you financially?

  • I’m really hurting: lost my job/business income (or partner lost job/ business $) need Cerb help

  • I’m hurting a little bit: got furloughed or hours cut and income is down but expenses down too

  • I’m neutral: just the same as before

  • I’m a little better: income the same but I’ve cut my expenses

  • I’m actually a fair bit better: income same (or up), expenses down, and portfolio is up


Results are only viewable after voting.
if you scan Indeed website of job opportunities you’ll get a sense for what is required. Depending on the field an undergraduate degree will get you $45-60k to start in most cases. In 20 years with inflation then maybe. Working your way up is the path but it’s a competition. If an undergrad is going up against someone with a graduate degree or some sort of professional designation they are at a disadvantage unless their soft skills are superior. While there are not hard and fast rules, companies want the best people and the more education one has the better positioned they are so long as the street smarts and soft skills are there as well.

it’s best to find a mentor to help mold you. Most people are clueless to what it takes to advance up the ladder in business. And many younger people have a sense of entitlement thinking that advancement will naturally come without hard work or effort.
covid made go brankrup on all 8 of my business
but i will be back
 
Just a reminder to those quitting their jobs to become Day Traders. The reverse is also equally likely. i.e you can wipe out the 20k just as quickly.
It is almost like gambling. My advice: keep money on the side for this. Just don't bet your next mortgage amount to make a quick buck.

Yes! This year was interesting because a lot of people bought the dip and now because they made some gains they believe it’s all easy and they’re experts. I saw a guy apparently lose his life savings in the summer because he tried to call Tesla. He got over eager because he made money off Johnson and Johnson and thought he was an expert.
 
No significant financial change. Business is up but lost some income from a rental unit after a couple had to move out due to losing their jobs.

My biggest financial win would be the lack of traveling this year but would also be the most significant source of my recent anxiety. I'm good for at least 4 to 5 trips a year and didn't realize how therapeutic it actually was. Anyone relating with this?
 
Cut a lot of expenses
downtown rent
eating out
out with friends

income is the same bonus not as large as before

investments went up a lot

this is going to sound nerdy but Magic cards more than doubled in value
 
Yeah, I get that. It seems most "white collar jobs" cap out around $100k-$150k these days from what I've seen. That's why I'm curious to know which people/jobs are able to exceed that. I've just got an undergrad degree and I'd say I'm doing pretty well compared to the average person. But I've probably peaked in my own career path, and need other options now if I ever wanna break that $150k ceiling.

$150K is not too hard to break depends on your field. Also remember if you are making more you might be putting in a lot more time. Its better to have a 100k job and lots of free time to do trading or investments than a 200k job that worn you out at the end of day. That 100k different most likely will not be able to to change your life much but it will limit your future growth.
 
$150K is not too hard to break depends on your field. Also remember if you are making more you might be putting in a lot more time. Its better to have a 100k job and lots of free time to do trading or investments than a 200k job that worn you out at the end of day. That 100k different most likely will not be able to to change your life much but it will limit your future growth.
How much does a doctor make ?
250 k after tax
Do doctors sleep around with massage ladies ??
 
Be careful when comparing people’s salaries of consultants to full-time workers in an office. A consultants salary is their total salary. An office worker making $150K might also be eligible for a 20-30% bonus ($30-45k) although that could also be 0% in a year like this one, they also can get company benefits (dental, prescription drugs, disability, etc.) that may have a value of $20-30K and there could be a company pension or rrsp plan that could be worth up to 6%. So, that salaried office worker at $150k might be better compared to a consultant that makes $210-220K.
 
Yeah but corporations suck and going to expect you to be their bitch. Especially at the low rate of $250k. Some fat white dude going to castrate you cuz he know you ain’t gettin that money no where else.
Im more envious of people that can do that on YouTube reviewing luxury cars or luxury vacations. Never knew you could actually make a lane with that. Or actors or athletes obviosuly cuz that shit ain’t really work (practicing your j 8 hours a day or rehearsing love scenes with a Hollywood actress).I don’t envy anyone making that in the corporate world. At all.

I like to see when people trailblaze their own path in life. Like when I see a dude become a millionaire by owning a business painting walls. Inspiring. Dudes own multiple properties and can declare their income so can get bigger loans cuz their shit legit. Not having to share with dudes and hide their money cuz cops will find them and arrest them. Lol
 
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Be careful when comparing people’s salaries of consultants to full-time workers in an office. A consultants salary is their total salary. An office worker making $150K might also be eligible for a 20-30% bonus ($30-45k) although that could also be 0% in a year like this one, they also can get company benefits (dental, prescription drugs, disability, etc.) that may have a value of $20-30K and there could be a company pension or rrsp plan that could be worth up to 6%. So, that salaried office worker at $150k might be better compared to a consultant that makes $210-220K.

You are talking about independent consultants...there are many 'consultants' that work for large consulting firms like Accenture, Deloitte, KPMG, PWC, Bain, McKinsey, etc. etc. These consultants get bonuses (potentially large ones at that) and have full company benefits too. Even lower mgmt can pull in $150K...upper mgmt can make much more than this. If you happen to be a Partner, well that's another story altogether...
 
You are talking about independent consultants...there are many 'consultants' that work for the large consulting firms like Accenture, Deloitte, KPM
Yes, I was referring to independent consultants. But the real point is not not be impressed by a gross $ amount until you understand the nature of the income because the numbers might be apples-to-oranges to someone else. It’s only the net amount that people are pocketing that really matters.
 
How much does a doctor make ?
250 k after tax
Do doctors sleep around with massage ladies ??

not sure how much doctors make, but do you really want to be a doctor right now? over worked and in the front line
dentist usually makes 150k ish and 400k+ if you own your own business or partnered in one

- Do doctors sleep around with massage ladies ??
I would assume so, maybe not massage lady, but some more higher end. Making all the money, no time to go on dates, got to fulfill the desires some how
 
not sure how much doctors make, but do you really want to be a doctor right now? over worked and in the front line
dentist usually makes 150k ish and 400k+ if you own your own business or partnered in one

- Do doctors sleep around with massage ladies ??
I would assume so, maybe not massage lady, but some more higher end. Making all the money, no time to go on dates, got to fulfill the desires some how
GOOD POINT
 
Has anyone cancelled their sports tv channels? Seems like all they have right now is football. No sense paying extra if that's all they have.
 
Has anyone cancelled their sports tv channels? Seems like all they have right now is football. No sense paying extra if that's all they have.
hey, I heard, if the city spaced out and move people around to the northern canada , less congested, the virus is dwindle
trudeau should space out all the tight cities
 
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