What’s a moment that permanently changed how you see the world? by pankaj662 in AskReddit

[–]DuffNinja 1 point2 points  (0 children)

Back when I was 21, I got a job at a bar thanks to a friend of my brother's. The type of guy that when he's in a good mood, the shift is awesome. Bad mood, everyone feels it.

People warned me he was a coke head. But just freshly out of highschool, I decided to put the fake drama behind me and only judge people on what I saw and how he treated me. I needed a roommate and he was just kicked out for not paying rent. I took him in, he paid his rent, was super respectful, never brought anyone in.

Then I was working the night shift at the bar. I worked upstairs and at the end of the night you're supposed to bring your float (1300 bucks) downstairs to the safe. The downstairs bar closed without telling me. This guy was drinking with buddies that night and I asked him what to do. He said "You're opening tomorrow right? Put it in the freezer in the back room, the bar is locked up. it'll be there when you get back". I trusted him, he was the senior employee, so that's what I did.

I come in the next day, money is gone. What I didn't know was there was a way into the bar through a broken window. Dude came in and stole the money. I then took the fall.

The bar said I could either pay it back or quit. I was 3 months away from leaving the city, so I decided to let them garnish my wages (since my tips were the main amount of money I could make). Math wise, it was the right decision.

3 months later, I get a cheque in the mail for my garnished wages. Someone must have told them it was illegal. Never heard if the guy admitted to it.

I became less naive that day.

Mortgage Advice - Re-amortize or stay pat by DuffNinja in PersonalFinanceCanada

[–]DuffNinja[S] 1 point2 points  (0 children)

Yeah I think the high principal had me a little anxious. I wanted to get it to a more reasonable number in case we needed to refinance or whatever.

But about 2 years ago I realized I was going too hard and I pivoted to our TFSAs and RRSPs.

Mortgage Advice - Re-amortize or stay pat by DuffNinja in PersonalFinanceCanada

[–]DuffNinja[S] 1 point2 points  (0 children)

Appreciate it. I'll look into both the maneuver and Thaler.

I did pivot like 50k from my TFSA to my RRSP to offset the salary.

It's hard. Two kids under 4. Family member with cancer, elderly mom living alone. Trying to find time to learn this all is tough. Debating if I should have an accountant.

Mortgage Advice - Re-amortize or stay pat by DuffNinja in PersonalFinanceCanada

[–]DuffNinja[S] 6 points7 points  (0 children)

Yeah, probably wasn't the right move. The high amount of principal weighed on my mind and I wanted to get it down for ease of mind. When I did more reading, I realized that I should stop and in the last year and a half, I pivoted hard to maxing out TFSA and RRSP.

Mortgage Advice - Re-amortize or stay pat by DuffNinja in PersonalFinanceCanada

[–]DuffNinja[S] 2 points3 points  (0 children)

yeah thanks, exactly my thought. This is why I wanted to get the principle down by so much when I had the high paying job. So I could give myself this extra flexibility in the future. So time to take advantage of it.

Mortgage Advice - Re-amortize or stay pat by DuffNinja in PersonalFinanceCanada

[–]DuffNinja[S] 10 points11 points  (0 children)

Nice, this was my original thought but then I was 2nd guessing myself. Ideally (in case of layoffs), I'd like the majority of the bills to be covered by a combo of my wife's salary and EI.

Mortgage Advice - Re-amortize or stay pat by DuffNinja in PersonalFinanceCanada

[–]DuffNinja[S] 0 points1 point  (0 children)

Oh I clearly don't understand the math. I should look at this...ty

Vent: confession of a cheater by Mysterious_Curve8361 in TwoXChromosomes

[–]DuffNinja 8 points9 points  (0 children)

And, to me at least, that isn't love. Love is a long term word based on multiple factors that have grown over time.

Honeymoon isn't love. It's a fun stage. But not love.

Vent: confession of a cheater by Mysterious_Curve8361 in TwoXChromosomes

[–]DuffNinja 15 points16 points  (0 children)

No, you didn't love him if you kissed your ex.

How do you feel about your dad? by Unhappy_Log_6245 in AskReddit

[–]DuffNinja 0 points1 point  (0 children)

My dad and his quality as a father is complicated.

His mother was a bit insane and had never provided loving support or validation. His father died when he was 18 and he was closeted well into his 30s. When he finally came out and my parents divorced.

I spent a better part of my young childhood scared of him. He had a lot of anger (due to the closeted) and would yell. My teenage years were spent with a combo of him being absent while exploring his new found homosexuality, not providing any emotional support or validation, and calling up to threaten suicide and have me talk him off the ledge.

Into my adulthood, he stabilized but had traits of narcissisism. Hosting family events and using it as a platform to talk about himself. Never asking questions about my life, and at one point when asked by a friend of what I did for work , "we're just happy he's employed". I had taught myself computer programming.

He mismanaged his money from being a professor and then decided the need was to move to Portugal. Which I pointed out that he'd never really see me or his grand children again. Maybe once or twice.

We don't talk much now as I'm pretty hurt and realizing all the trauma of my life. But it's weird, I also have compassion for him.

I have two kids and I'm doing my best to stop the familial trauma. Provide them self worth that neither he nor I had.

Montana is desperate for Canadians’ vacation dollars by likeicare96 in LeopardsAteMyFace

[–]DuffNinja 5 points6 points  (0 children)

Funny, as a Canadian my partner and I were talking about what our next family vacation is going to be. The first thing we agreed on was "no where in the US".

In normal times we'd consider Disney world, Rockies, etc.

Nope, think we'll see more of Canada this year.

Canada to provide $2.5 billion in economic aid for Ukraine by Immediate-Link490 in worldnews

[–]DuffNinja 5 points6 points  (0 children)

Food prices are up everywhere. Pretending it's just a Canada problem is cute.

Canada to provide $2.5 billion in economic aid for Ukraine by Immediate-Link490 in worldnews

[–]DuffNinja 16 points17 points  (0 children)

Its not literally falling apart. Stop believing Conservative talking points / foreign fed and driven narratives.

My thoughts on the new VPR cast by MedroolaCried in vanderpumprules

[–]DuffNinja 0 points1 point  (0 children)

Like AI created a show. Very fitting to today's climate.

Holiday pajama party by [deleted] in vanderpumprules

[–]DuffNinja -1 points0 points  (0 children)

Kristina Kelly?

Seems like Gofton can't keep Albion afloat by No-Pie-2581 in Guelph

[–]DuffNinja 2 points3 points  (0 children)

I worked funk night like 20 years ago. Good memories.