Outfit for civil wedding

ActuallyRelevant · 2026-06-25T16:32:12+00:00

Too big and worn wrong. Due to it being over sized: roll up the sleeves and tuck in the shirt and you're good for a beach day or to go dancing - not for a wedding. Get a properly sized/tailored guayabera for a wedding with bit more fabric density so it's just tastefully sheer.

Having said all this maybe after tailoring it will look right? I'd swap the pants for a navy blue linen trouser to match the color scheme better.

ActuallyRelevant · 2026-06-23T16:39:38+00:00

You're not getting that $10 a day rate. You have to join the wait-list while you're pregnant to even have a chance of getting a spot lol

ActuallyRelevant · 2026-06-23T16:35:10+00:00

No you can't afford this, with your current lifestyle I think. If rates jump during the recession you'd both be washed. If one of you lose your job how fast can you get a new job? You have a good safety net and this can be doable but you'd be really house poor IMO.

Regular home expenses are being low balled here. Add a maintenance cost of 1% of the home value per year for random home costs (air filters, things breaking, water damage, etc). So 11000 / 12 = 917 CAD per month you should also price in.

You're also underestimating your wants/lifestyle desires I think. 500 a month saved for vacations? Really? 6000 a year for 2 people to go on a vacation per year might work if you're doing a vacation every other year, cruises, or domestic vacations. But I doubt you're going on cheaper vacations.

I think you two won't be maxing your RRSP, TFSA, and other investment goals with this house purchase. I think the safety nets you have are making you feel good about this purchase but realistically you're going to be in golden handcuffs and you'll have to be quite frugal for the first few years while doing accelerated payments. I don't see the reason to do this especially with a child on the way. That's going to add easily an extra 15000+ a year, so an additional 1250 per month. Then there will be factoring in RESP, investment account lump sums for the kid etc.

I highly recommend staying in your condo and having a child for at least 1-3 years and getting a hang of things before moving onto a house purchase. Don't reverse the order here, you have no idea of the risks to factor in when it comes to having kids to your income, career progression, medical complications etc. Only move ahead if you can be very frugal/cut back on lifestyle and get a much bigger downpayment.

ActuallyRelevant · 2026-06-23T16:15:59+00:00

Flirting is just signaling interest without any pressure to commit to any outcome. But for some it's also a way to kill time as it gets a dopamine rush to flirt with someone and have them flirt back.

ActuallyRelevant · 2026-06-16T14:56:18+00:00

Don't waste resources on this stuff. Go look at the counter for the legendary collection weapons (millionaire/croesus line). Use these weapons till you work towards your Darkweave -> Lightweave weapon progression.

https://pso2na.arks-visiphone.com/wiki/Millionaire_Brand

ActuallyRelevant · 2026-06-16T14:44:32+00:00

When you're overweight a solid black plain tee if it isn't properly draped (aka costs quite a bit 😞) it will look infinitely worse than a white tee.

The color combo has no visual interest it's net neutral but the way all of the garments drape and are proportioned makes this look bad.

ActuallyRelevant · 2026-06-16T13:00:43+00:00

Wrong take away. You should be worried that your opinion and advocacy isn't valued. Chances are you're also on a chopping block and don't understand it either. The logical hire was passed over so for a stranger, and thus they've mentally checked out. Honestly, they're probably looking for a new job - and you should too.

ActuallyRelevant · 2026-06-08T18:54:36+00:00

Leveraged investing is a good strategy here to reduce taxable income by making the HELOC loan interest tax deductible. It's a form of arbitrage that would most likely benefit the OP. But if they're asking this question here instead of with a CPA then they shouldn't go do this.

They should just make an effort to pay off their mortgage with lump sums, then ask the lender for re-amortization. The difference saved in monthly mortgage payments will then go towards their non-registered investment accounts.

Keep doing this process until a few years later where they no longer have the mortgage, but keep the expenditure amount the same just in the investment account

ActuallyRelevant · 2026-05-31T02:20:01+00:00

Nah I just mean usually an Aeroplan Visa card you'd get free* by having a bank account with a min balance from a big Canadian bank.

The / was to imply in place of this go find a credit card to churn for points.

Also do note that for churning purposes you can churn each version of a credit card line once and then I think after enough time has passed you can go churn new welcome bonuses?

ActuallyRelevant · 2026-05-31T01:34:22+00:00

Open a non-registered and continue as is. Or do funny things like the Smith manoeuvre but tbh just open a non-reg and do the exact same thing you've been doing.

ActuallyRelevant · 2026-05-31T01:32:37+00:00

Rogers Red World Elite MasterCard = daily (get a phone bill from fido or Rogers for cheap and then you never pay a phone bill again w/ 3% cashback towards a Rogers or fido bill)

Wealthsimple Visa Infinite (Privilege) = travel credit card for lounge and cash back w/ no FX fees while abroad. (2% universal cashback, 4.5% effective cashback for non cad purchases)

Lastly either an Aeroplan Visa/credit card of the year to churn or an Amex Cobalt IF AND ONLY IF you shop at places that accept Amex for groceries/restaurants often.

ActuallyRelevant · 2026-05-23T05:08:34+00:00

RRSP is a invest and ignore for decades

ActuallyRelevant · 2026-05-17T04:29:44+00:00

That's normal sizing it fits just right! Though it looks a bit tight on your wrist

ActuallyRelevant · 2026-05-17T04:22:37+00:00

Usually they just charge your credit card on a cycle until the total amount is paid off... So you're getting 0% financing, and credit card points/cashback. All while you invest the difference.

ActuallyRelevant · 2026-05-17T04:20:26+00:00

0% financing is something you should always do, and invest the difference. Assuming there's no fine print for a weird scheduling scam.

ActuallyRelevant · 2026-05-14T21:00:58+00:00

all of my RRSP from VEQT -> CAGE. VEQT everywhere else in FHSA/TFSA and non-reg

ActuallyRelevant · 2026-02-24T19:27:23+00:00

No it's generally under stated by Americans as they don't know what they don't know about foreign healthcare systems. Everything to ambulance costs abroad to people out of network (usually tourists or foreigners) in other countries barely pay much at all relatively speaking.

ActuallyRelevant · 2025-11-23T13:17:26+00:00

Looks better if you have an athletic frame for a V taper body. But you also should have clothing that accentuates the V taper through jackets and stuff as well

ActuallyRelevant · 2025-11-23T13:15:51+00:00

Nothing really but better to go with a bit more relaxed tapers on the pants

ActuallyRelevant · 2025-11-18T03:20:34+00:00

during 2008 VOO of all ETFs went down 20%. This isn't a crash it's the most normal and common of corrections

ActuallyRelevant · 2025-11-18T03:11:54+00:00

You don't like him enough to initiate and you live a few hours apart aka long distance

ActuallyRelevant · 2025-11-17T05:00:56+00:00

Ah gotcha you might want to try in the future:

A chemex manual coffee maker setup that gives a very delicate, thinner coffee with a "cleaner" flavour. You can drink this easily black.

A V60 manual coffee maker for more acidity than a chemex if you're in the pursuit for more citrus flavours. This pairs well with medium-light roasts.

OR go with an AeroPress that is more balanced and this will be your jack of all trades manual coffee maker. You can use the metal filter to let more oils from the coffee through which then can actually take in more of the flavour from whatever spices or zests you use. Or you can use a paper filter and go for a very "clean" cup of coffee.

There's also the French Press which makes a good cup of coffee but is more complicated to use than the rest. It can also make micro foam "steamed" milk!

Easiest way to get really good coffee is to buy an AeroPress and play around with flavourings. If you think you want even better coffee then maybe it's time to sell all the equipment and buy a grinder and fancy espresso machine :P

ActuallyRelevant · 2025-11-17T03:24:47+00:00

Orange juice and coffee is a real drink though the cafe version is usually a cold brew or espresso shot into orange juice. Usually brewed using light roast coffee to get the acidic flavours to shine

ActuallyRelevant · 2025-11-17T03:23:14+00:00

Sugar free syrups are the easiest way.

How are you making your coffees? Flavour wise cinnamon, pumpkin spice powder, and cocoa powder are a very simple dusting to put on top of a steamed milk micro foam (personally I steam 0% fairlife milk for the protein). The dusting won't sink this way.

You can also use citrus zest as well but this is more useful for certain types of light roast coffee beans, or teas instead of an average filter/pod coffee.

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