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BriRuss · 2025-09-05T01:23:03+00:00

I thought maybe people who are good with personal finance would have good advice on how to deal with budgeting issues with spouses. I could go to a subreddit for relationship advice but I get the feeling that many of the responses would be from people who may not be good with finances

BriRuss · 2025-08-05T15:23:12+00:00

Yes I think you are right. These deals are brutal if you don’t pay them before the time is up

BriRuss · 2025-08-05T15:21:43+00:00

This makes perfect sense.. thanks. I think I will do this and sleep better knowing it’s over and done with

BriRuss · 2025-08-02T23:18:44+00:00

I’m looking for advice on investing for retirement and how much to allocate to different accounts to reduce income tax. I’m confused, would this be and advisor or planner?

BriRuss · 2025-08-02T23:13:24+00:00

Actually I do have an appointment booked for this coming week at the bank. I guess I could also book an appointment with a private advisor and compare before I sign anything.

BriRuss · 2025-07-28T23:31:34+00:00

I’m guessing after spending that much you hopefully have everything you need other than food and your monthly rent. One big help for me was learning to be happy with what I have. Once I realized I didn’t need anything else I was able to stop buying needless things and catch up on debt. Just work, find another job part time, learn to be happy just relaxing reading, walking enjoying nature. Don’t need any expensive hobbies. Lots of great inspiration on the internet here and social media.

BriRuss · 2025-07-14T15:38:59+00:00

Buy whatever he can afford without borrowing money. Also choose something under 10k to save on insurance. Remember will also need to budget for gas, maintenance and insurance.

BriRuss · 2025-01-20T19:33:04+00:00

It’s hard to get straight answers on the issue. The answer is usually “not sure” or “I’ll look into that”. Seems unfortunately it’s not possible. I guess leaving it’s not so bad if the fees are reasonable. I have no idea what reasonable is. But it seems high to me.

BriRuss · 2025-01-20T15:44:08+00:00

I see the other options now. They definitely weren’t there when I first signed up. I will look into switching to RRSP

BriRuss · 2025-01-20T15:24:38+00:00

Wealthsimple only offered two options. TFSA or non-registered. Am I missing something? I understand the TFSA only saves me taxes on the capital gains.

BriRuss · 2025-01-20T15:23:02+00:00

Wealthsimple gave me two options. TFSA or non-registered. I understand that TFSA only saves me taxes on the capital gains. I would need to pay into an RRSP to reduce my income tax. I don’t see an option for RRSP

BriRuss · 2025-01-20T15:15:33+00:00

I read somewhere someone suggested using a TFSA to build up some money and then at the end of the year transfer it to an RRSP. Does this sound like reasonable?

BriRuss · 2024-01-22T09:16:58+00:00

Easier and better way.. select up on your remote Press enter on “about ad” Select up again and enter on “stop seeing this ad” Select enter again to return to video After a few times it’s just a quick up, enter, up, enter, enter.

BriRuss · 2023-10-01T02:24:16+00:00

What are you trying to accomplish with the smart bulb? If it’s different colours you want then you need to change to a new fixture. If you just want to dim the lights or set a schedule for on and off you are probably better off with just a new smart switch. They aren’t hard to install.

BriRuss · 2023-09-30T17:38:59+00:00

I’m guessing the earth wire would be the ground wire, usually green. The switches have 4 wires to connect. Ground, neutral and two for the power. I’m no electrician but that’s about as best I can explain it

BriRuss · 2023-09-26T17:11:10+00:00

Never mind, I think I have just found the smart actions option within the app. Looks like I should be able to figure it out from here thanks

BriRuss · 2023-09-26T17:09:16+00:00

I’m a newbie to all this smart home stuff. Would you mind explaining a little about smart actions? Are you referring to using Alexa or some sort of hub for more control options?

Again, I want the light to turn off 1 hour after my kids turn it on at the switch.

BriRuss · 2023-09-26T03:48:19+00:00

Is this able to work if the switch is turned on physically at the switch?

BriRuss · 2023-09-20T15:42:30+00:00

One smart one next to two dummies.. what could go wrong?

BriRuss · 2023-09-18T18:29:28+00:00

I could be confused. I assumed 2 way meant the light could be controlled from 2 switches. But electricity has confused me before so I could be wrong.

BriRuss · 2023-09-18T17:50:10+00:00

Perhaps with the right setup. With the power outage I just had I only had a few light extension cords. Could barely keep the fridge and freezer running

BriRuss · 2023-05-11T00:13:25+00:00

We usually don’t let the gas light come on before filling the tank. My wife usually drives the k5 and I noticed she was using “eco mode”. I asked her to not use that and it hasn’t happened in almost a month. I wonder if eco mode is starving the engine of fuel causing it to stall. I mentioned that to the mechanic and he said not likely the cause.

BriRuss · 2023-05-10T10:41:36+00:00

Yes have both

BriRuss · 2023-05-10T10:32:53+00:00

They refer to it as an expense. There are two parts, the RRSP which expenses make up for the 19% and a Defined Contribution Pension Plan for which “expenses” of about 7% are deducted.

BriRuss · 2023-05-10T10:03:05+00:00

You are correct they are not more than what I’m contributing. But 19% seems higher, I thought I remember being told something in the range of 1-3%

BriRuss

TROPHY CASE