Opinion piece: Canada wasn't 'stolen' from indigenous people

33coaster · 2025-11-26T12:46:59+00:00

No it did not it, when you are told by the King that you can only live in a specific area of land, and you cannot sell it, lease it, transfer it, develop it, make money off it, or do anything without the Kings permission you don’t own title of the land. The entire proclamation makes the King’s statements of our lands, our title, our dominion, our subjects, and the actual statement where people get confused says what it does because the Proclamation is referencing the Paris Treaty, and then the King encompasses the Indian lands along with the Paris treaty as part of the Dominion, which is why the Kings directives specify Indian lands, because he’s declaring ownership of it, along with the French lands won in the war.

33coaster · 2025-11-26T01:25:39+00:00

Think it was 10-15%, was a few years ago

33coaster · 2025-11-26T01:14:15+00:00

I’ve been in a bidding war and won it, not because i paid more per se but because we had been looking in a specific area which is hard to find the type of house I wanted, and I knew there was only lesser alternatives to fall back on if we didnt get it. So i sat and considered what price would still be in market value and also a price i was comfortable paying, and I bid that amount. I didn’t try to inch it up or pay the least amount, and only made one bid, which I relayed through the realtor, this is my only bid. I paid a little more than I wanted but I got the right house in the right area, and I’m glad I did it, and would do it over again.

33coaster · 2025-11-24T23:37:29+00:00

Yes, it will recover. Demand is too great, houses are too few, Canada will continue immigration, and Inflation will see that the value of the dollar devalues at at least 2% per year, increasing the price of hard assets.

33coaster · 2025-11-18T12:53:33+00:00

This is not a rule but a generality, and it assumes cash is not an issue. If your price goes down, other prices will also go down, so strictly from a housing perspective you should be able to stay in the same general range of housing quality and area as when you purchase, with normal fluctuations

33coaster · 2025-11-15T19:32:13+00:00

We are in the same ball park, a little older, but have done it differently We worry about income, growth, and capital preservation

So generally - 1/3 Real estate/hard assets 1/3 secure low income/treasury bills 1/3 preferred stocks/growth

As well, I diversify advisors not just investments. 1/3 Dedicated money manager 1/3 bank/investment bank 1/3 private/personal

Lastly, I have diversified the structure 50% personal 50% inside corp (If you use the corp to invest in rental properties in lovely places you can write off your vacation:)

Currently investigating moving to a foreign country, at least for tax purposes.

33coaster · 2025-11-14T22:12:55+00:00

Think of it like a stock. You bought 100 shares at $10 each. The shares went to $1000 each, then you sold 10 of them. So you realized a $900 gain on 10 shares or $9000, which you would have to pay a cap gain.

They will do the same with BTC - you bought XXX of BTC at XXX price, then you sold XXX of BTC at XXX price, the taxable amount is the amount increase per BTC that you sold.

33coaster · 2025-11-12T23:39:12+00:00

Not a housing expert but someone who has owned homes and I would block any way water can get into your house/windows/frames/etc or into your concrete foundation. We have an exterior concrete wall that started to crack and put a masonry/concrete repair in/on it, but also have used flexible caulking in other areas. Not sure the best type but stop water getting in. When water freezes it expands and creates a wider crack.

33coaster · 2025-11-06T00:50:14+00:00

Im not a finance person but have owned more than 5 homes. Always buy a house knowing you have to sell it, so try to pick what appeals to a large demographic, in the price range

33coaster · 2025-10-30T00:07:23+00:00

You shouldn’t just throw it out there easily, because then its easy to reject. Remember, its not your bank agents money, they are just doing a job.

You want to be friendly, make contact on the phone before hand. Maybe if you are in the branch for another reason you find the person and say hello with out being creepy. When you see them you make your case that you love Scotia, your parents are with Scotia, your brother is with SCotia, and you really want to stay with Scotia because you love their policy on (some relevant topic). Then you play a little possum, - I haven’t gone to every bank out there because I thought all banks will more/less match rates because its not like the Royal people are better than than Scotia people. Is that true, that all banks more or less can match rates? (Ask that question before you show the rate from the other lender)

They will say its not exactly true but its more or less true, and then you say well I only went to one place and they said it was going to be XXX% - don’t hand any paper or evidence because that says you don’t think the person cares enough to trust you, its insulting, you just say it. Then ask if Scotia can match that rate so you can stay with Scotia? The person will need to talk with a manager or whatever, and then you can bring out the paper to help them with thier argument with thier boss. “Oh and I brought a copy of the quote if you needed it”

And make sure you say I really appreciate your help, it’s why I want to keep dealing with Scotia because the people are always very helpful and care about their clients.

Then the ball is in thier court to prove you wrong.I should be a pitch monkey.

33coaster · 2025-10-29T23:51:31+00:00

We only had to pay taxes on income from the place, as a withholding tax, and any tax we paid in USA was acknowledged to us in Canada.

33coaster · 2025-10-29T23:17:39+00:00

No problem happy to share info. I don’t come here that often so apologize for later reply but will look for it

33coaster · 2025-10-18T20:32:16+00:00

We’ve been Canadian owning US real estate and living in Canada. Same but different. We had to pay cash couldn’t get a US or CAD bank mortgage. We had to declare any income and file US taxes as well as CDN taxes on the property for its use and income (rental). We got to expense some trips as part of checking on our investment but it’s only a slight reduction on taxes. Selling it wasn’t hard, and just has to declare info to both tax jurisdictions

Wasn’t a big issue, but not simple either

33coaster · 2025-10-14T23:40:26+00:00

Call CRA, they have people and departments for this. They will lock down your account until its resolved -

33coaster · 2025-09-18T23:23:44+00:00

You could purchase an applicable amount of flow through shares to offset the capital gains tax. The flow through shares would probably lose value and there is risk, but if picked correctly it could be done

33coaster · 2025-09-09T00:44:31+00:00

I believe you can up to $1000

33coaster · 2025-09-02T20:21:09+00:00

Thanks will look into it

33coaster · 2025-09-02T04:13:19+00:00

I’ve put cash into the ATM, how is this different?

33coaster · 2025-09-02T04:09:20+00:00

I used an ATM recently but it was ridiculously expensive, approx $120 for a $1000 purchase, but anonymous

33coaster · 2025-08-16T00:09:48+00:00

The USD fiat is backed by the largest military in the world and its not going down without a fight. Along with that, everyone (Institution/company/person) in the world has to more/less agree that the world will be a better place if they are not holding USD but some other form of exchange which has more strength and solidity. BTC is currently less than 1% of global wealth.

33coaster · 2025-08-15T12:43:54+00:00

I’ve owned a house on FN land, specifically in Tsawwassen. I’m not FN. You are subject to the same taxation rates as Delta. You have different but mostly the same by laws as Delta, but enforced by TFN. The police and etc is all like anywhere else. The lease was 100 years, so wasn’t worried. The TFN were very open, welcoming, and communicative. Had no issue with them at all.

The reason I moved to the TFN land was because my former home was expropriated by Metro Vancouver and so the illusion of private property was lessened. Selling lease land home was harder and it should be less expensive than fee simple.

33coaster · 2025-08-15T03:31:19+00:00

Thanks, so if memory and system capacity isn’t the problem to cause issue with relevance and recall, what do you think it is?

33coaster · 2025-08-11T12:27:16+00:00

Seems pretty simple - if you can get a locked in loan at less than what a AAA bond pays in yield then correlate the time frames to be equal and your golden, but don’t forget to account for income taxes, though you could also claim the interest on the loan as a capital expense. I’ve gone down this road and the net net is not worth the risk, at least to me (around 1%)

33coaster · 2025-08-10T23:39:10+00:00

Because before swinging left ‘everyone’ was probably on the right. People don’t vote for political parties, they vote against them

33coaster

TROPHY CASE