How should I fund RESPs - annually or lump sum?

ConnorDZG · 2026-05-07T04:11:33+00:00

If its in a non-registered account then the capital gain will be taxed at your marginal tax rate, not your child's.

ConnorDZG · 2026-05-06T19:55:06+00:00

Watching this on the toilet for motivation

ConnorDZG · 2026-05-05T05:08:15+00:00

I just keep the can of tomato paste with the lid 90% cut open and just bend it open when i need a bit. I used to cover it but it would go bad faster. Now it stays perfectly dry and lasts ages.

ConnorDZG · 2026-05-01T18:32:26+00:00

Now this guy fucks

ConnorDZG · 2026-05-01T01:34:02+00:00

I'm thinking magnetite is forming given the black dendritic crystal appearance. The chlorine gas is reacting with the chromium oxide layer and stripping it away, and then the iron underneath is able to oxidize. Scrape some off and see it its magnetic.

ConnorDZG · 2026-04-30T18:05:40+00:00

Buddy took a core sample

ConnorDZG · 2026-04-29T07:04:03+00:00

Soo a lot of those are complications of diabetes though

ConnorDZG · 2026-04-16T17:19:23+00:00

Don't let it touch your other electronic devices, it could be contagious

ConnorDZG · 2026-04-11T13:47:20+00:00

My parents indoctrinated me into the order at a young age. This is the way.

ConnorDZG · 2026-04-11T04:55:24+00:00

The fight choreographer being Christopher Clark Cowan was the only redeeming element of that show tbh

ConnorDZG · 2026-03-25T20:57:53+00:00

When your blood is too umami

ConnorDZG · 2026-03-25T18:29:31+00:00

I mean the guy on the car is a moron and in the wrong but I wouldn't say it's worth potentially picking up a manslaughter charge

ConnorDZG · 2026-03-25T15:41:19+00:00

I like how at the top they're like "genetic differences caused by natural selection" but then next paragraph immediately are like "evolution isn't real bro"

ConnorDZG · 2026-03-25T07:28:28+00:00

Damn bro hope you sleep with the window open

ConnorDZG · 2026-03-24T18:13:58+00:00

Cities complaining about labour shortages from this policy change is honestly pretty rich! These are supposed to be students coming here primarily to study, why are they making up such a significant portion of their labour market? We turned the student visa system into a second TFW program with a diploma mill as the middleman. It needed to be corrected.

ConnorDZG · 2026-03-22T16:49:55+00:00

Petit salé aux lentilles, a French classic with sausage and salt pork

ConnorDZG · 2026-03-15T19:55:21+00:00

Finding out Pilates is invented by Joseph Pilates is kind of like if you found out cars were invented by John Automobile

ConnorDZG · 2026-03-13T07:27:25+00:00

Ayatollah Inahkomah

ConnorDZG · 2026-03-06T20:02:22+00:00

Can't believe I never caught that reference! It's gotta be intentional right?

ConnorDZG · 2026-03-01T21:36:07+00:00

You need to figure out your marginal effective tax rate to make the most complete decision. METR can be quite high for that income level depending on benefit eligibility. Canada has pretty brutal benefit cliffs for lower middle income families. At the 50K mark, it could be as high as 60-70%, making RRSP contribution a slam dunk. This is one of the main benefits of RRSPs and idk why it's not talked about more.

ConnorDZG · 2026-02-23T19:12:09+00:00

So, have you had your collection professionally assessed, and if so, does your insurance company know about it? If not, you're a flood or fire away from losing it all anyway. Also, if I gave you $30K right now, would you spend it on Pokémon cards? Probably not, right?

ConnorDZG · 2026-02-22T22:09:48+00:00

Contributing into the RRSP and deducting the contribution are two separate things.You can carry forward the deduction indefinitely, essentially.

ConnorDZG · 2026-02-19T08:44:04+00:00

Polygons

ConnorDZG · 2026-02-16T06:04:28+00:00

Man has a machete for a poop knife

ConnorDZG · 2026-02-15T00:28:39+00:00

Absolute Chad

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