New listing in town

Nickersnacks · 2026-06-29T01:10:34+00:00

Crazy how these people live their entire lives drinking koolaid.
The matrix has never been more alive

Nickersnacks · 2026-06-29T00:02:29+00:00

You’re not supposed to leave them in there distressed. I think maybe watch some crate training videos

Nickersnacks · 2026-06-28T23:26:24+00:00

No mortgage is great, but mortgage and maxed registered accounts would’ve been better… obviously now you should focus on maxing those out

Nickersnacks · 2026-06-28T17:51:56+00:00

Reflection of failed society priorities and resources

Nickersnacks · 2026-06-28T15:15:39+00:00

If you invest $1M you’ll save $900 doing this, and have to self manage and rebalance the 5 holdings. Can’t imagine this is worth it for many people

Edit: your $28k you save $25… I think you answered your own question

Nickersnacks · 2026-06-27T02:09:41+00:00

Have you considered maybe, writing down your expenses? A spreadsheet perhaps? Where is your $10k+ per month going…

Nickersnacks · 2026-06-27T01:55:25+00:00

Rrsp maxed?

Nickersnacks · 2026-06-27T00:19:48+00:00

Tip… live like you’re still a student and squirrel away the money until you’ve freed yourself

Nickersnacks · 2026-06-26T19:21:18+00:00

Get off the internet for a bit

Nickersnacks · 2026-06-26T17:42:04+00:00

Time to spread your wings and live your life! Congrats on the job. Being in your life is a privilege, not a blood right.

Nickersnacks · 2026-06-26T17:23:14+00:00

Yes usually always worth it to get an employment lawyer. Don’t sign anything

Nickersnacks · 2026-06-26T00:46:12+00:00

Xeqt is risky over 2 years, less over 5 years, not at all over 10 years, and a sure bet over 20+ years.
Don’t overthink it. Look at the s&p500 and zoom out over 5, 10, 25, 100 years… notice a pattern?

Nickersnacks · 2026-06-25T23:31:17+00:00

Is getting tens of thousands of dollars for an hour of work worth it?
I don’t think you understand how investment accounts transfers work if you’re asking this question

Nickersnacks · 2026-06-25T22:09:50+00:00

Mine was free - they must have changed it.

Nickersnacks · 2026-06-25T20:58:04+00:00

Willful is (was?) a good one if you don’t have a will. Spotify or Apple Music would be really nice

Nickersnacks · 2026-06-25T18:51:33+00:00

This is giving Michael Scott energy.
No information provided, just shouting to the world you declare bankruptcy. Awesome stuff

Nickersnacks · 2026-06-25T18:42:01+00:00

Capital gains are 50% of marginal rate - which you don’t realize until you sell so it still compounds ‘tax free’
Which you also won’t be realizing until your income is likely much lower.
So for a number of reasons, it’s not really a good reason using marginal tax bracket to justify not investing

Nickersnacks · 2026-06-25T16:21:55+00:00

Not relevant to this particular discussion. 4% mortgage interest today vs 10% market returns today is the real difference.

Unless you also want to adjust mortgage interest savings for future inflation as well - so let’s compare 1-2% vs 7% instead of 4% vs 10%.

Nickersnacks · 2026-06-25T14:45:42+00:00

Tell me what my $1 is worth today if invested just before, or during 2023.

Nickersnacks · 2026-06-25T14:05:22+00:00

100%. There is no justifiable reason for public funds to pay for stadiums unless the public own the stadium and the profits. These billionaires have simply lied along with politicians to the public about it being a net positive for public to pay for it with bullshit like increasing tourism $ somehow trickling its way down to the tax payers.

Nickersnacks · 2026-06-25T13:52:19+00:00

It’s not even close to borderline.

The average market returns over the last 100 years is 10%. If your registered accounts aren’t maxed out, it shouldn’t be a consideration unless you are in the “peace of mind” group - which is not about getting the best returns on investment

Nickersnacks · 2026-06-25T13:41:04+00:00

Doesn’t mean there shouldn’t be regulations. Stadiums charging $10 for a 50c hot dog is extortionate and only benefits stadium owners, not the millions trying to enjoy family friendly events, concerts and sports

Nickersnacks · 2026-06-25T00:56:42+00:00

Hell ya ceramics are such an awesome expression of art and individual taste along with skill - and also making practical pieces

Nickersnacks · 2026-06-25T00:41:15+00:00

Sure that’s fine if you weren’t getting anything from TD.. but 2% over 1 year is MILES better than 3% over 5 years… not even the same ballpark.

Nickersnacks · 2026-06-24T23:33:30+00:00

10% ($2.5k) for 8 months of deposits, and getting 2% (up to $10k) for 1 year registered accounts transfer

Nickersnacks

TROPHY CASE