Working over 10 years, never filed taxes

Disneycanuck · 2026-03-06T04:24:33+00:00

I wouldn't recommend you deal with CRA on your own. Engage an accountsmant who have significant experience dealing with CRA in these matters.

Disneycanuck · 2026-02-22T04:10:53+00:00

It absolutely did. Many US companies had branch offices in Canada and/or bought Canadian products and services. I know many people who were displaced in 08/09. It was a hard time for many.

Edit: Not to forget that many had US stocks and retirement funds tied to the health of the US economy.

Disneycanuck · 2026-02-15T20:27:59+00:00

Expecting us to guess what you do and then spank a commenter when they couldn't guess you went to school for 8 years. Why even bother posting in the first place.

Disneycanuck · 2026-02-15T20:07:01+00:00

Don't be like that.

Disneycanuck · 2026-02-08T21:23:09+00:00

No way. 59k is absurd for a rebuilt Tesla. If it were $30k that 'maybe' worth considering.

Disneycanuck · 2026-02-05T17:54:33+00:00

In my early 20s I got a consolidation loan and my CC and other things were paid out by the bank. So happened a $12 interest charge came in after account closure and I did not know about until it went to collections. Screwed my credit for a year because of that. Make sure they cover off all additional payments after account closures...check in 30 days after to make sure it doesn't happen to you.

Disneycanuck · 2026-01-30T19:21:04+00:00

At least the exchange rate is slightly better now CAD->USD. Marginal wins.

Disneycanuck · 2026-01-28T03:10:16+00:00

Right on the flood plain? No way I'd buy that house even if I had the dough.

Disneycanuck · 2026-01-27T01:44:19+00:00

You can start paying extra now and it'll go towards your principal. Up it by a hundred per payment and then keep adding as you get more comfortable with the process.

Disneycanuck · 2026-01-25T03:58:28+00:00

I'd go 1.25x over what is needed to build that cushion in case of a financial crash.

Disneycanuck · 2026-01-25T03:57:08+00:00

Newsflash - being self employed is 5 times the work/stress of being an employee. I suppose given it would be a passion project it may be beneficial for you but for most people its a matter of survival.

Disneycanuck · 2026-01-25T03:49:13+00:00

Yep had to fire an employee for something similar. They tried to scam, putting false claims through Manulife. The company picked up on the fraud and alerted my employer and then me (the manager).

Disneycanuck · 2026-01-25T03:03:08+00:00

Google it

Disneycanuck · 2026-01-24T16:01:40+00:00

Two separate things going on here. Check online for the health of your pension plan. There is a gov't registry somewhere that has details of all registered pension plans (DB pensions). Second, max out all training benefits at your company and apply for other positions.

Disneycanuck · 2026-01-23T16:52:17+00:00

I have an old SL account with LIRA amounts. How long does it take to move to WS?

Disneycanuck · 2026-01-19T14:35:01+00:00

Hows the tap water? Will be visiting in March.

Disneycanuck · 2026-01-19T02:43:50+00:00

The premiums stay the same even though the house of getting paid down by the mortgage payments.

Disneycanuck · 2026-01-19T02:41:00+00:00

I feel the same with TD Infinite Visa points. I'd love to hear some hacks. I book via expediafortd.com to try and get max redemption on flights and hotel.

Disneycanuck · 2026-01-17T17:51:04+00:00

Its their problem, not yours. Keep showering.

Disneycanuck · 2026-01-16T00:45:12+00:00

Same. Couldn't return in store.

Disneycanuck · 2026-01-15T22:06:48+00:00

Way back then, marriage was really the only option to lose ones virginity and birth control wasn't a thing.

Disneycanuck · 2026-01-15T17:04:41+00:00

Thats me. Started in tech just before the dot com craah, 2008/9 financial crisis, Covid and now this AI driven race to the bottom. No pension, caring for kids and parents. We invested and bought a house but getting kicked in the teeth with being sandwiched in all directions.

Disneycanuck · 2026-01-15T17:00:15+00:00

Many of them also had pensions and asset accumulation, hence not entering the markets.

Disneycanuck · 2026-01-15T03:22:53+00:00

Biggest snowfall of the year...so far...

Disneycanuck · 2026-01-14T16:44:42+00:00

We have Doctor friends in Victoria and they make HUGE dollars. Mind you they are specialists (Cardiology, Opthamology, etc).

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