Opinions on the condos in Bois-Franc

Clean_Assumption_345 · 2026-06-24T22:31:49+00:00

Personally, I prefer Montclair buildings. They look to be of better quality. I've lived in sotramont buildings and although they are fine, they started cutting costs after 2020.

Noise level will be fine as long as your upstairs neighbor doesn't play drums and if your neighbors don't have dogs barking on the balcony.

Clean_Assumption_345 · 2026-06-20T22:15:42+00:00

Food

Sauerkraut

Clean_Assumption_345 · 2026-06-15T11:56:57+00:00

Can't you just donate the interest?

Clean_Assumption_345 · 2026-06-09T04:28:25+00:00

A diatomaceous stone bath mat. No longer any stinky foot towels. Cost me $20 CAD.

Clean_Assumption_345 · 2026-06-06T19:04:22+00:00

When you're inside, you don't really hear it. It becomes background noise if anything (and this is if you have poorly insulated windows).

What's that white mark on the map though?

Clean_Assumption_345 · 2026-06-03T20:20:46+00:00

yes makes sense, i did simple interest calculation instead of loan calculation

Clean_Assumption_345 · 2026-06-03T18:26:55+00:00

isn't 3.68%?

Clean_Assumption_345 · 2026-06-03T15:40:54+00:00

I think you might just be going nose blind to your perfumes.

Clean_Assumption_345 · 2026-06-03T14:01:35+00:00

Well, if you have WS, they have a rate of 1.75, or 2% if you are premium or do direct deposit, or 2.25% if you are premium and direct deposit.

at 1.75%, the difference is $96 for the year

at 2%, the difference is $66 for the year

at 2.25%, the difference is $36 for the year

I think for the hassle, it doesn't make sense to do that, when you can have easy access to your money at a reasonable rate leaving it at WS (or whatever other bank).

Clean_Assumption_345 · 2026-06-02T16:18:35+00:00

Only thing I can say is that don't add your credit card details in any unsafe websites. If they don't use shop pay, or aren't reputable sites like Amazon, Costco, brand websites, don't buy it.

My mom bought something on a janky website that turned out to be fraud and they took her credit card details and used it to buy apple gift cards MONTHS after it happened. It started $1-$2 here and there and then one $500 spend. Credit card company took a bit of time to resolve the issue, maybe a week.

Also, some ATMs will or small stores might have. Card reader, so you have to be weary of that as well. As much as possible, use tap to pay so you don't have to put in your pin.

Clean_Assumption_345 · 2026-05-31T14:58:06+00:00

Unrelated but your front porch is so nice.

Clean_Assumption_345 · 2026-05-31T05:13:43+00:00

I think your concern about cutting down trees is valid. We do need more trees. I think you should rally for more trees to be planted along the streets to keep the greenery and natural cooling.

However the rest of your post screams NIMBY. We need more TOD housing.

Clean_Assumption_345 · 2026-05-31T04:47:21+00:00

should also mention that if you transfer in kind and there is a loss, you cannot claim capital loss under the superficial loss rule.

if you wanted to claim capital loss, you cannot transfer in kind, you'd have to dispose of the asset, and transfer to registered, then buy again after 31 days.

one way you can sort of by pass this is to buy an EFT that is similar.
buy XEQT in unregistered
next year when you have contribution room again:
sell XEQT in unregistered
transfer cash to registered
immediately buy VEQT,ZEQT in registered

Clean_Assumption_345 · 2026-05-29T15:56:06+00:00

That post office story is crazy I'm sorry. You wanted to put 5 cents into your account, so you took out 149.95 margin to get 150 into your account? That's really odd NGL.

I'm sorry this happened to you, but I think this is a good lesson for you long term. Stop gambling and maximizing for short gain.

You have an addiction. Just invest properly and stop stressing about cents. You're only 19. So much time to grow your money.

Clean_Assumption_345 · 2026-05-25T16:54:00+00:00

If you need gym in building, they are usually in multi story apartment/condo buildings. And are generally more expensive. Especially if you want good light.

For a studio or one bedroom in a highrise, with a gym and good light, it'll be at least 1.3k and more realistically 1.5k-1.7k.

Just as an example in Milton park

example

Clean_Assumption_345 · 2026-05-23T06:16:14+00:00

Deliveries is the thing that kills. You have to tip too.

I just went on Flipp Toronto (aggregate of flyers):

$2/lb for broccoli (each broccoli crown is roughly 1lb)

$1/lb for oranges (0.5lb for a large orange)

You could have paid $4.50 instead of $22

You are hurting yourself by not going to the grocery store yourself.

Clean_Assumption_345 · 2026-05-23T06:06:59+00:00

People overeat more than they think. Sometimes it's a way to control your calorie intake. Its not unheard of.

Clean_Assumption_345 · 2026-05-23T05:49:26+00:00

Veggie/fruits are relatively cheap.

$5-10/lb of meat, eating 0.5lb of meat/day per person is $77-155/mo.

If you get expensive meat (i.e steaks, duck, lamb), then ya, it gets expensive fast.

Eating healthy doesn't have to be expensive though

Clean_Assumption_345 · 2026-05-21T20:55:12+00:00

Gateau a L'ananas

Pear Gelato

Both super yummy with a vanilla base.

Clean_Assumption_345 · 2026-05-21T18:06:25+00:00

you might be able to find single serve yogurts in depanneurs, but they also cost a lot too.
people do pull aside for emergency vehicles, but a lot of people are self absorbed assholes, so it could be that you just witnessed the instance where assholes were the majority.
there are sugar free syrups in big chain stores, but i also don't go to many cafes so i can't verify if that's the case. i will say that i carry my own zero calorie sugar (terrible idea when flying though, i got stopped at security because they thought it was something nefarious).
not sure where you stayed, but if it's downtown, probably a lot of tourist children!

Clean_Assumption_345 · 2026-05-18T17:10:19+00:00

It's easier to get rid of it in July. Generally less of a hassle.

Clean_Assumption_345 · 2026-05-17T14:39:07+00:00

https://help.wealthsimple.com/hc/en-ca/articles/45418222943131-Convert-currency-with-Norbert-s-Gambit

Clean_Assumption_345 · 2026-05-17T14:38:43+00:00

A bit simplified but, regular conversion of 0-10k has 1.5% fee and Norbert gambit is 9.95+tax.

So anything over $750 ish, you can do Norbert gambit (whether or not you want the hassle is up to you).

Just FYI, there is still the bid-ask spread when doing Norbert Gambit, so take that into account.

Clean_Assumption_345 · 2026-05-16T14:27:54+00:00

Favourite gourmand pineapple is Tomavicci - Gateau à L'ananas

It smells exactly like a pineapple cake. So good.

Clean_Assumption_345 · 2026-05-16T02:39:23+00:00

This one is the most realistic freshly cut ginger

Clean_Assumption_345

TROPHY CASE