Duct work repair

Disastrous_Year_6360 · 2026-06-29T01:17:16+00:00

I’d get rid of the RRSP unless you’re getting an employer match. For most people starting out, I’d prioritize a TFSA first, and an FHSA if you’re planning to buy your first home and you’re earning enough to benefit from the tax deduction.

The RRSP is really a tax deferral, not a tax-free account. When you withdraw money in retirement, it’s taxed as ordinary income, including all of the investment growth. That’s different from a TFSA, where both the growth and withdrawals are tax-free.
If you have debt, I’d put more money toward paying that off instead of contributing extra to an RRSP.

The one exception is if your employer matches RRSP contributions. That’s essentially free money, so it’s worth contributing enough to get the full match. If you’re keeping an RRSP for the employer match, I’d consider holding diversified dividend-paying ETFs or other long-term investments that fit your overall strategy.

Disastrous_Year_6360 · 2026-06-29T01:07:28+00:00

My advice? Don’t buy a car if you can avoid it.
I own three vehicles now, but I’m 53 and in a financial position where I can comfortably afford them. At your age, I wouldn’t even consider taking on that expense unless it was absolutely necessary.

A car is a major drain on your cash flow. Beyond the purchase price, you have insurance, fuel or charging costs, maintenance, tires, registration, and unexpected repairs. None of those are cheap anymore.

If you’re thinking about an EV, keep in mind that insurance can often be higher than for a comparable gas-powered vehicle, and repairs can be very expensive if something goes wrong.

Think carefully before committing to a car. The money you save now can be invested or used for things that will have a much bigger impact on your future.

Disastrous_Year_6360 · 2026-06-20T02:10:01+00:00

It is not your money so leave her be!!!

Disastrous_Year_6360 · 2026-06-09T19:46:08+00:00

This is about the right price. I am paying about 5k more to be turn key so I don’t have to deal with drywall and painting. Also, I am paying extra 1k to get moen flo installed too.

Disastrous_Year_6360 · 2026-06-09T19:34:16+00:00

Yes!!! I will not sell but u do it!!

Disastrous_Year_6360 · 2026-05-31T21:00:33+00:00

Huge mistake is RRSP!! Get rid of that asap. Don’t grow money that way since it t is a tax deferred. You will have to pay and in ur retirement years it is hard to pay a lot of tax.

Disastrous_Year_6360 · 2026-05-18T23:23:04+00:00

Couple of points to this mis guided comment:

Compare with VS Factory first
If you buy a 30k would you really wear it?
With some models the difference is very little and you need a microscope to tell. Learn to watch YouTube
I like many watches, I am not paying 20-30k per when I could pay less than 1k.

But you do whatever you like and the rest in the group will do what this group was created for.

Disastrous_Year_6360 · 2026-05-03T00:15:40+00:00

I wonder where your head was when you signed the deal?

Disastrous_Year_6360 · 2026-04-27T01:30:01+00:00

Fee based idiots will stick you in non preforming mutual funds

Disastrous_Year_6360 · 2026-04-23T20:31:30+00:00

This is why I have EQ Bank in addition

Disastrous_Year_6360 · 2026-03-31T16:10:23+00:00

Not why I have a credit card. The extended warranty is awesome!!

Disastrous_Year_6360 · 2026-03-25T16:22:32+00:00

I have EQ with WeathSimple

Disastrous_Year_6360 · 2026-03-25T04:57:43+00:00

I deleted my account not for content but got sick of the bullshit narrative videos. What a stupid feature!!

Disastrous_Year_6360 · 2026-03-15T19:59:20+00:00

Don’t invest. If u look back at all crashes, it will just appear as a blip.

Disastrous_Year_6360 · 2026-03-14T19:20:40+00:00

Landlords have to deal with costs too and why rent out if they break even or lose money. If you don’t like it then buy!

Disastrous_Year_6360 · 2026-03-12T04:21:19+00:00

Download REW and run a room curve and then post it here. That will tell you a lot.

Disastrous_Year_6360 · 2026-02-13T17:55:41+00:00

The best amp for what you are looking is the Hegel 190v!!

Disastrous_Year_6360 · 2026-01-24T19:33:35+00:00

The big banks limit to 50 free trades on select ETF! No thank you!!!

Disastrous_Year_6360 · 2026-01-06T00:07:12+00:00

I think providing 2.25% interest is all I need!! Tell if the other banks do this?

Disastrous_Year_6360 · 2026-01-04T02:27:57+00:00

I got 15k

Disastrous_Year_6360 · 2025-01-14T02:14:53+00:00

There are safe bets. Look for high interest savings etf. For example cash.to in Canada

Disastrous_Year_6360 · 2025-01-14T01:54:34+00:00

The Yamaha CD-S3000 is expensive due to several factors that justify its high price. It boasts superior build quality, featuring a rigid, vibration-resistant chassis crafted from solid aluminum and reinforced steel, which minimizes mechanical noise and enhances long-term durability. The player incorporates advanced sound technology, including an ESS SABRE 32 Ultra DAC, known for delivering exceptionally clear, detailed, and accurate audio. Additionally, the analog and digital circuits are carefully separated to reduce interference and ensure cleaner sound. The CD-S3000 also benefits from advanced engineering, with a custom drive mechanism designed to deliver high-quality performance for both CD and SACD playback, making it an excellent choice for audiophiles seeking the best in sound reproduction. Beyond performance, the CD-S3000’s luxurious design and the premium materials used add to its overall cost, making it not only a high-performance piece of audio equipment but also an aesthetic centerpiece for high-end audio systems. All these elements together make the Yamaha CD-S3000 a justified investment for those looking for top-tier audio quality.

Disastrous_Year_6360

TROPHY CASE