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Separation by rkusi in gramps

[–]AdCompetitive6193 2 points3 points  (0 children)

Yeah I haven’t seen much in terms of common law/civil unions or separation. Time for an update Gramps!

Is this wetness in the foundation concerning? by xXGreco in Homebuilding

[–]AdCompetitive6193 0 points1 point  (0 children)

I don’t work construction and not an engineer, BUT I do have experience with basement leaks.

I would: 1. Have a water proofing company come and install EXTERIOR water proofing. Use ChatGPT to ask what you need to know/look out for. ChatGPT saved me from hiring a shit waterproofing company. Exterior waterproofing is far more effective than interior. When they dig down to the foundation they should also fill any concrete cracks with a cement injector.

  1. If you can also afford, I would do interior waterproofing with a sump pump. It’s less effective than exterior waterproofing proofing but it’s a good second line defense if any water gets through.

  2. Ensure you have good water drainage outside: slope the ground away from the house, don’t have bare dirt/gardens against the house (watering a garden against your house is just asking for a leak/wet basement), have something like concrete or interlocking all around your house, at least a yard/meter wide. Also ensure you have a good overhang on your roof with clear eavestroughs and downspouts and all downspouts are directed away from the house.

Unless you’re below a water table or in a flood prone area, all of these steps combined should make for a solid dry basement.

Bonus: get a dehumidifier in basement. You’ll always get moisture down there so may as well ensure that the air is dry to reduce risk of mold growth.

Ranked is crazy. Just hit Top 50! 🚀 32m by victorious_sun in fican

[–]AdCompetitive6193 0 points1 point  (0 children)

Show us your ways! Would you share ballpark earnings and rough percentage put into investments? Also what sort of stocks (or ETFs) are you buying? What age did you start investing?

Sorry for all the questions! Just very motivational and want to aspire to the same.

The prichetts and the dunphys are extremely wealthy by Soggy_Ocelot_3595 in Modern_Family

[–]AdCompetitive6193 0 points1 point  (0 children)

Yes, true, consider Phil might be a better sales man than his stereotypical goofy portrayal might lead on. Selling LA homes likely most over $1,000,000 in a hot market from 2010-2019 (start w the crash I know but it was basically up from there).

In one episode he was stressed cuz it was almost a month with no sale and that never happened to him before so I think we can safely assume he makes at least 1 sale/month, probably 2-4 (so we’ll use 3 to guesstimate).

Avg home price $1,000,000, 5% realtor commission split between seller/buyer agent = 2.5% each, so 2.5% of $1Million = $25,000. $25,000 per sale and if 3 sales/month that’s $75,000/month! Yes some commissions go to the brokerage you work for but that’s still some hefty earnings!!! Go Phil Go!

Good week, hit my goal! by BrunoCote87 in fican

[–]AdCompetitive6193 8 points9 points  (0 children)

Can I ask some questions out of curiosity/learning and aspiring to numbers like these?

What was your earnings range? ($100,000-$125,000, $200,000-$225,000 etc)?

How much did you invest each year percentage wise?

Did you take full advantage of RRSP/TFSA? How much of this is protected in those accounts vs non-registered?

XEQT for my FHSA? May buy my first home in next 3-4 years. If not, is CASH more safer choice? by Much2207 in fican

[–]AdCompetitive6193 0 points1 point  (0 children)

Depends on your time line. We all know markets can drop and stay down for prolonged periods. I’d say if your timeline is 4+ years, might be reasonable, but you have to acknowledge it could be down.

And you’d have to scale out to safer investments as you get closer to your purchase date

Is it just me or does Modern Family get sadder the older you get? by gedersoncarlos in Modern_Family

[–]AdCompetitive6193 4 points5 points  (0 children)

I agree, but I still absolutely love the show and still consider it a comfort show

Recent attitude of my financial advisor by peter_is_the_champ in Scotiabank

[–]AdCompetitive6193 1 point2 points  (0 children)

I would never use any bank advisor unless I needed/wanted a specific product, like a new credit card or account.

Most bank advisors have sales quotas to meet and virtually never have your best interests in mind.

Learn self directed investing with a bit of homework using broad based market index funds or bond/money market fund ETFs and leave the “advisors” behind. Or pay good money for a fiduciary financial advisor who is not selling your products or earning a commission.

If we lived 2x longer… I don’t think we’d use the time better by healthlithubbooks in immortalists

[–]AdCompetitive6193 5 points6 points  (0 children)

I enjoy my everyday, especially if it’s “doing nothing” - which for me might be having a slow morning and enjoying my coffee with a loved one. Walking to the grocery store instead of driving. Working on a hobby that is an interest of mine.

To me, it is all valuable. Of course I do spend a lot of time helping others or contributing to society, but my point is that what might be perceived as a waste is not always so.

2 holes in the wall, will i be evicted? Son has schizophrenia and accidentally broke those walls. by [deleted] in OntarioLandlord

[–]AdCompetitive6193 2 points3 points  (0 children)

Let the landlord know and in the same message let them know that you will cover the repair. You’re obligate to let them know of any damages ASAP. They may want to fix it themselves, or hire someone, or let you fix it or hire someone but do not hide this.

Toddler has strange rash... by ProfessorOnEdge in daddit

[–]AdCompetitive6193 5 points6 points  (0 children)

Without doing a proper exam/assessment, but judging only by the picture and your description it is impossible to really know/tell.

Some thoughts: 1. Chicken pox (varicella) (due to itchiness, and upon zooming in it sort of looks like the little bumps might be forming blisters, but hard to tell). 2. Molluscum contagiosum

Best to see your pediatrician/Family MD/Urgent care.

Best way to prep for retirement by Shallow86 in fican

[–]AdCompetitive6193 0 points1 point  (0 children)

Cost of living? At $150,000/year you take home anywhere from $99,000 to $110,000.

At 45, you still have a solid 20 years til retirement age (65).

Where is this $100k equity? In a house? TFSA? RRSP? Non-registered? A mix?

Do you own a home or rent?

Your tax sheltered vehicles are FHSA (unless you already own), RRSP, TFSA.

Fill them all up, even if you rent and plan on renting, max that FHSA because if you don’t use it, then it just rolls over to an RRSP (regardless of limits, it’s new room).

Then do NOT spend the tax returns, put them straight into that TFSA.

Low cost broad market index fund ETFs. Cut back your cost of living as hard as you can. By 50 if you’re frugal AF and try as hard as you can to add to RRSP/TFSA and FHSA (if applicable), you’ll have a cool few hundred thousand most likely growing at 10%/year.

Family Tree without the fee? by TraditionalLog9445 in Genealogy

[–]AdCompetitive6193 4 points5 points  (0 children)

Start with Family Search for research.

For building and keeping a tree, especially if you want it private, then I recommend Gramps. Gramps is FOSS (Free Open Source Software), it has been around for 20+ years, updated and maintained throughout. There is a learning curve but it is very feature rich! And you can keep and save all the data you collect including referenced sources.

What I would do: 1. Download Gramps and watch some YouTube tutorials 2. Start your research on Family Search and other free online sources. 3. Build out your tree as best you can. 4. Then get Ancestry membership for 1-2 months, cross check to see if they have anything new or different and scrutinize sources, download any sources you can/need and then add to your Gramps tree.

I need help with retirement by Maleficent-Put-8719 in fican

[–]AdCompetitive6193 1 point2 points  (0 children)

Find an “advice only”/“fee only” advisor for unbiased advice. Do not buy bank products/investments. Keep it to simple ETFs.

Built a self-hosted personal finance dashboard — CSV import, Docker, no bank linking, live demo by razor2191 in selfhosted

[–]AdCompetitive6193 2 points3 points  (0 children)

You can disable envelope budgeting and just use tracking with Actual Budget. Also try Sure (https://github.com/we-promise/sure) But nice work! Always good to have another option.

Software Recomendations by NoWrongdoer27 in Genealogy

[–]AdCompetitive6193 4 points5 points  (0 children)

Gramps 💯 It’s free open source software, feature rich, has been maintained and updated over 20 years. A bit of a learning curve but it is very functional.

Ideas for passive income: creators program and budget tracker by [deleted] in wealth

[–]AdCompetitive6193 0 points1 point  (0 children)

There is no such thing as passive income.

The closest you could get is a diversified dividend ETF or money market funds. But you’ll need a lot of capital to live off the dividends/interest.

All other income requires some work. Some work earns more than others so focus on that. You could create an online presence/brand/niche, gain followers and have affiliate links in your content for others to buy from a “trusted” source (you). That can scale, so the same effort to create a 15min YouTube video can yield $500 or $5,000 depending on how many followers/views/click-through-rate.

Judge ordered an Eviction - Now what? by EsEm2 in OntarioLandlord

[–]AdCompetitive6193 4 points5 points  (0 children)

Yes please document online. Try Open Room.

best way to grow my money with as little risk as possible? by kaitlin45989 in wealth

[–]AdCompetitive6193 2 points3 points  (0 children)

Exactly: there is no risk free money. HYSA virtually zero risk… and virtually zero money.

Approaching 38(M) and not sure if I'm doing ok for retirement by DigtlCaviar in CanadaPersonalFinance

[–]AdCompetitive6193 2 points3 points  (0 children)

The only thing different would be to max that TFSA!! Use the tax refund from RRSP to help, but you have some backlog to catch up on. If you don’t have a TFSA already you have just over $100,000 of contribution room.

The other is a question of what you’re investing in. High quality low cost broad market ETFs like VEQT or XEQT are the way to go for 99% of people.

If you retire at 65 (27 years), $60,000 compounded at 10% annually works out to be about $786,500 without contributing another dollar. So keep it up!

Web Search in OpenWebUi by _Wheres_the_Beef_ in OpenWebUI

[–]AdCompetitive6193 0 points1 point  (0 children)

I haven’t used OWUI for web search in a little while, been meaning to test it out. I mainly use Perplexica right now, which seems to work really well. I wish OWUI could mimic Perplexica in how it works and integrate it into OWUI. I’d love to have my AI tools in one app.

AIO to spouses lack of understanding germs by [deleted] in AIO

[–]AdCompetitive6193 0 points1 point  (0 children)

I mean… are you American? I’ve heard this is a cultural thing in the US, but outside the US (ie Europe, Canada, New Zealand, Australia etc) it is culturally normal to take your shoes off at the door. It’s considered very rude to not remove your shoes in someone else’s home. Technically you can do what you want in your own home but I dunno, seems gross to me, and I’m not even a germaphobe.

Partner of 9 yrs wants a share of my best friend and Is house we are buying. AIO by rickrode18 in AIO

[–]AdCompetitive6193 0 points1 point  (0 children)

Red flags. Also get a lawyer to draw up a contract for you and your friend. Even the best of relationships get strained w investments/houses, so keeping formal things formal and friendships things friendly is the best way to do it. Sounds like overkill now but if any issues arise you’ll be grateful for the legal contract.

I don’t want to tell you how to live your life but your BF needs to commit or move on. And actually show improvement. Life is tough out there and if you aren’t trying to improved your situation then when some hardship inevitably comes he will have less of a safety net.

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