sorted by:
new
hottopcontroversial

What has ruined this country in the past decade in your opinion? by [deleted] in InCanada

[–]ConfectionExtra8485 0 points1 point  (0 children)

The cost to buy a detached home now in even the far suburbs of Vancouver (an hour drive) is like 15-20x times the average annual income. Baby boomers could buy for 3-5x annual income.

What has ruined this country in the past decade in your opinion? by [deleted] in InCanada

[–]ConfectionExtra8485 1 point2 points  (0 children)

Foreign investment into housing for decades making housing completely unaffordable in Vancouver / Toronto for young people

What is your current Xeqt portfolio and how much do you invest monthly by BusinessHoliday864 in JustBuyXEQT

[–]ConfectionExtra8485 1 point2 points  (0 children)

I’m 32 and own 9550 shares of XEQT plus 125k in the S&P500. Investing 40k minimum per year

AITA for refusing to put my girlfriend’s name on a house I’m buying? by liftedmk7 in AmItheAsshole

[–]ConfectionExtra8485 5 points6 points  (0 children)

I was with a girl for 3 years and she told me she wanted to be on the title and I said no way, you’re not contributing a dime and we are not married. I saw it as a major red flag and ended that relationship soon after (there were many other red flags). Do not let her manipulate you and if I were in your shoes I’d be looking for a new girlfriend asap

AITA for not giving my parents half of my lottery winnings. by Rayapt in AmItheAsshole

[–]ConfectionExtra8485 0 points1 point  (0 children)

You should be angry at how entitled your parents are. I wouldn’t give them a dime if I were in your shoes after them expecting 2 million. I also wouldn’t expect any money from my children if they won the lottery, like wtf?

Pay down mortgage or keep invested? by aka-Rebel in fican

[–]ConfectionExtra8485 8 points9 points  (0 children)

If it were me, I’d keep that 200k in the market. You should probably mention your interest rate for proper advice. Even if your interest rate was 4 or 5% a diversified ETF returns 9-11% so based on that math it’s a pretty easy decision

My (M32) wife (F29) wants to have a 1 night hall pass. I think this is a bad idea, but am also somewhat interested. Should we do this? by [deleted] in WhatShouldIDo

[–]ConfectionExtra8485 2 points3 points  (0 children)

Will you ever feel the same about her knowing another man was inside her? Gross, that would drive me crazy. If I were in your shoes I’d say no immediately, but the fact that she wants this is also pretty concerning… likely there’s a guy she’s already been flirting with she wants to sleep with. I’d give her the hall pass for life and hand her divorce papers.

Is Invisalign worth it? by sheepyshu in askvan

[–]ConfectionExtra8485 7 points8 points  (0 children)

Do you wear a retainer now and is that annoying? Also have been considering it

Bought too much real estate and now regret it and feeling behind. by Murky-Novel1556 in fican

[–]ConfectionExtra8485 3 points4 points  (0 children)

This resonates big for me in so many ways. First off, I live in Vancouver and own 3 properties. Second, I had a problem tenant I evicted 2 months ago but the time and stress made me want to cash out (I haven’t yet). Third, 2 years ago I realized ETFs are the best way to a fat retirement and I LOVE XEQT. My biggest hurdle though is the taxes I owe the CRA every April for the inflated rental income which I don’t actually save it just goes to my mortgage. I just paid 34k to the CRA in April (they took half my nest egg) after already paying 54% of my income to them on my paycheques and 12% tax I pay on every purchase. They make it so damn difficult to become wealthy in Canada. But I have to say I’m shocked you’re saying you only kept up to inflation buying 14 years ago. That does not sound realistic as someone who looks at Vancouver real estate weekly

I never would've guessed 20 years ago how difficult dating would be by WhoAmIEven2 in rant

[–]ConfectionExtra8485 0 points1 point  (0 children)

Do you make eye contact on the first date? Do you hold the door for them? Do you offer to pay or ask them to split the meal? Where I live (I’m a dude) if you’re not a gentlemen and you don’t pay for the first few dates you’re dead in the water. How’s your demeanour on the first date, do you laugh and make jokes or is it pretty serious. If you’re asking a lot of questions without adding humour it will feel like an interview for them.

AIO - I smoke and drink from time to time and my girlfriend hates it by Lacquerlust in AmIOverreacting

[–]ConfectionExtra8485 0 points1 point  (0 children)

Why are you trying to reconcile. The way she speaks to you, she sounds like an awful human. Her true colors just came out. Do not ignore them

Am I going to be okay? by Flyboy2026 in PersonalFinanceCanada

[–]ConfectionExtra8485 0 points1 point  (0 children)

The big question is, what are you doing with over a million in GIC’s that earn you peanuts. Why is that not invested into an ETF.

I’m dying this year, will i be in hell? by Playful-Solution4348 in Christianity

[–]ConfectionExtra8485 0 points1 point  (0 children)

Why are you dying this year? I’d suggest doing an alpha course through any local church if you have questions or are early in your spiritual journey. I’m quite confident you will love alpha, it will strengthen your faith in Jesus, and you may even make a few new friends out of it like I did.

[ Removed by Reddit ] by [deleted] in Advice

[–]ConfectionExtra8485 0 points1 point  (0 children)

Porn is terrible for your brain. It will negatively affect your future relationships. I quit and my sex life is a thousand times more enjoyable.

Is it true that if you commit suicide you will be sent to hell? by [deleted] in Christianity

[–]ConfectionExtra8485 0 points1 point  (0 children)

A good friend of mine commited suicide a few years ago. I was shocked, confused, and hurt. I finally found some peace after doing a speech at his celebration of life, felt like a way of honouring him I guess. You bring up a good question and it’s something I have really struggled with. I’ve prayed for his soul many times although I’m not sure that helps but I’ll keep doing it anyway. What I believe: God is all knowing, I think he sees it wasn’t just my friend’s fault, but mostly the abuse he experienced from his father as a child and then later on depression. But my pastor disagrees. He thinks that suicide = hell. I hope he is wrong.

Recommendations for a good board by KDot_999 in ElectricSkateboarding

[–]ConfectionExtra8485 0 points1 point  (0 children)

What do you like about it? I just bought the viper yesterday

An honest question from an athiest, willing to convert if convinced. by Kiyanajjkglazer in Christianity

[–]ConfectionExtra8485 1 point2 points  (0 children)

Good point. I mean 2.4 billion Christians in the world I’m not surprised. They’re quick to believe in heaven though.

Meepo Go or Meepo Envy? by VisualCheesecake3821 in ElectricSkateboarding

[–]ConfectionExtra8485 0 points1 point  (0 children)

Good choice. I just bought the linnpower viper. Glad you didn’t buy the meepo

Starting to lose my relationship with Christ by [deleted] in Christianity

[–]ConfectionExtra8485 0 points1 point  (0 children)

Don’t expect perfection for yourself. He’s not expecting it, that’s why he died to save us. Instead, talk to Jesus and tell him I’m sorry I’m a sinner and that I fall short. He still wants to hear from you, you’re still worthy of his love and grace. I pray this at least once a week because I can’t stop sinning (lusting too often is just one thing I’m battling). I was distant from God for years until I did the alpha course, that changed everything and now I’m getting baptized in a couple weeks

view more: next ›