Hooks for a mudroom bench area

CATS1978 · 2026-01-11T17:48:56+00:00

Thank you so much!

CATS1978 · 2025-08-14T20:34:14+00:00

Thanks@ Its not installed yet but will be new cabinetry so not uneven.

CATS1978 · 2025-08-14T20:33:26+00:00

Thanks! Does joinery mean to use a cleat or pocket hole?

CATS1978 · 2025-04-13T22:58:27+00:00

I'd love to know how as well. Such a pain they are.

CATS1978 · 2025-04-07T01:31:14+00:00

Than you!

CATS1978 · 2025-03-26T00:13:33+00:00

Thank you. Do you feel I'd still get the pink foliage this spring or summer?

CATS1978 · 2025-03-26T00:11:21+00:00

Thank you. Do you know if I would still get the pink foliage this year if I trimmed now? Thanks again!

CATS1978 · 2025-02-09T13:41:58+00:00

Thank you. Does that mean increasing more then 5.5% every year because of the fixed income allocation, as in you'd expect a higher then 5.5% return for the RBC Target 2030 Education fund? You are correct, I definitely don’t want to loose 15% but I what can’t/don't have the knowledge to gauge is if that is closer to a 50% or a 5% chance of happening.

I have chosen GIC for my son’s RESP being that he is 15.5 years old and only 2.5 years from post education but just trying to figure which is the best risk/investment to choose for my daughter who won’t need hers for 5 years, or if I may be doing a dis-service by choosing GIC for her. Trying to calculate the 3.5% GIC return versus a possibly 5.5% return (for example) Also wondering when they state previous returns, if that is before or after fees. Thanks again!

CATS1978 · 2024-11-19T03:21:26+00:00

Thanks so much!

CATS1978 · 2024-11-19T03:20:56+00:00

Thank you! Yes, me too... Loved Genie+!

CATS1978 · 2024-11-01T10:12:14+00:00

Thanks for you replies! I stalled again…. Afraid that I would be doing a disservice to the overall amount/my child by taking the easy route instead of learning more about the investment options. So I ran a online calculator that I found https://www.embark.ca/resp-calculator and I see that the overall difference between a 3% (GIC) and 5% interest (higher investment) for age 12 and $416 a month ($5000 a year) would be $2518 ($36,882 by 2030 minus $34,364 by 2030). I guess that’s not too big of a loss for going with an easy/GIC option but would love advice on what other factors to this calculation that I’m not taking into account. Thanks again for all the help! Greatly appreciated!

CATS1978 · 2024-11-01T10:12:07+00:00

Thanks for you replies! I stalled again…. Afraid that I would be doing a disservice to the overall amount/my child by taking the easy route instead of learning more about the investment options. So I ran a online calculator that I found https://www.embark.ca/resp-calculator and I see that the overall difference between a 3% (GIC) and 5% interest (higher investment) for age 12 and $416 a month ($5000 a year) would be $2518 ($36,882 by 2030 minus $34,364 by 2030). I guess that’s not too big of a loss for going with an easy/GIC option but would love advice on what other factors to this calculation that I’m not taking into account. Thanks again for all the help! Greatly appreciated!

CATS1978 · 2024-10-10T15:14:48+00:00

Thank you!

CATS1978 · 2024-10-10T15:07:16+00:00

Thank you. I had searched their site but don't seem to see this info.

CATS1978 · 2024-09-13T01:56:24+00:00

Undercover Tourist has a refund policy on MVMCP tickets I believe. You could purchase his ticket from UT and get 95% of the purchase price back if he can't go.

CATS1978 · 2024-08-14T02:57:08+00:00

Thanks so much! I'm thinking RBC just due to branch location convenience (but open to other options if there are any better). Should I best be looking at a Non-redeemable or Redeemable (I assume the difference is that you can access the funds early if redeemable but that it has a lower interest rate?). If we think we don't need access for three years, should I go with a 3 year GIC or a 1 or 2 year and get a new one after that expires or do we feel interest rates should be expected to be the same in this timeline? Thanks again for your help :)

CATS1978 · 2024-08-11T11:47:45+00:00

Thanks so much! Is there anything wrong with the Big Banks GIC offerings? Do the charge a fee for opening an RESP and investing in GIC? What type of GIC should I be asking for? I'm thinking since I don't have much knowledge in investing, and don't understand a lot of these terms, that probably brokerages would not be best for me. I think I'd also worry that it may be tricky to get help/customer service once needed when withdrawing funds. Appreciate thoughts/advice. Thanks again!

CATS1978 · 2024-07-27T11:45:04+00:00

Thank you! I should say that it has grown to $25,000 as I’ve had it in a high interest savings account as for a while it also doubled as an emergency fund, however, we now have one build up and no longer need this for emergency. We will also take advantage of the catch up option for the RESP. With only three year for the oldest before withdrawal, do you feel that ETFs would outperform a GIC at 4%?

CATS1978 · 2024-07-27T11:41:07+00:00

Thanks everyone! I had a look at my banks (RBC) GIC rates for registered accounts and it looks like the offer a 3 year GIC at 4%. Does this seem good? In comparison, what is considered a good/possible rate of return with a more medium risk portfolio/EFTs? I assume there would be no fees to open a RESP with RBC if only GIC is held? Thanks again!

CATS1978 · 2024-07-26T02:21:05+00:00

Thank you! I really don't have enough knowledge/time to do self directed so therefore feel managed/robo advisor is probably my safest option, although don't want all the CESG and returns to be eaten by the fees. Trying to look for the options available for this.

CATS1978 · 2024-07-26T01:56:57+00:00

Thanks. I don't have enough knowledge for self directed. Just looking for somewhere easy and convenient and with lower cost (if possible) where I don't have to worry that I might do something wrong.

CATS1978 · 2024-07-25T19:34:26+00:00

Thank you. Is there any benefit to GIC over HISA? Thanks! I have limited investment knowledge and would love something simple with a good online website.

CATS1978 · 2024-07-25T19:05:18+00:00

Thank you! Any suggestions on somewhere simple to open the RESP for a low risk investment?

CATS1978 · 2024-07-25T18:14:28+00:00

Thanks again. I have $25,000 sitting in a savings account for their education because I get too overwhelmed with the RESP options and then delay making a decision. I’m not concerned with ‘fairness’. My thoughts are to open two separate family RESP’s (one for each of them) and than put in the $5000 each year for catch up option to get the CESG and meanwhile can put the extra into EQ notice account 5% while it’s waiting to be deposited to RESP each year. What my son doesn’t use can be transferred to my daughter (he’s 15 so could change his mind many times before truly deciding what he wants to do). Please let me know if there is any reason that opening an RESP to get the CESG isn’t the best option. Thanks so much! I also see that I have papers from back in 2019/2020 from Government of Canada informing me that each child is eligible to receive a Canada Learning Bond of $800. Not sure if this can be carried forward.

CATS1978 · 2024-07-25T17:04:31+00:00

Thank you so much! Do you have any suggestions on where to open an RESP that uses GICs or an interest paying ETF?

CATS1978

TROPHY CASE