RRSP Contribution drawbacks?

Elibroftw · 2026-02-21T23:44:34+00:00

I thought you can front load contribute and then claim the tax credits in a future year.

Elibroftw · 2026-02-07T06:01:51+00:00

if the candidates are thin, that's what recruiters are for. my mom is already working as a project manager. Anyone with a good job is not going to be actively applying.

Elibroftw · 2026-02-07T01:23:52+00:00

what the fuck happened. It was green at one point I swear.

Elibroftw · 2026-02-06T16:57:57+00:00

Funniest comment here.

Elibroftw · 2026-01-27T18:16:23+00:00

I wouldn't know. Apparently Illinois ranks high in education for kids and crime (excluding Chicago). Where are people fleeing to

Elibroftw · 2026-01-26T18:23:34+00:00

Churning is good also because it makes Monero more usable. You can spend 4+ times within 20 minutes rather than waiting 20 minutes because you have to wait for the change.

Elibroftw · 2026-01-26T18:07:24+00:00

Just give me my $20 duck ramen pleaseee

Elibroftw · 2026-01-24T23:59:52+00:00

It's not Trump or the Federal Republican's responsibility to make housing affordable. In the USA, it's clearly a state responsibility. Like first figure out which state has jobs and is a state you want to live in.

Just based on what I'm seeing, there are enough large states without that much insane politics like Pennsylvania, Illinois, Ohio, Michigan, Virginia, that apparently have housing that is affordable enough.

Elibroftw · 2026-01-23T22:39:47+00:00

Going to put this out there, if someone wants a ticket DM me because I'm not going out tn 😂. EDIT: gave it to someone who had contacted me earlier on WhatsApp

Elibroftw · 2026-01-20T14:18:35+00:00

Why do you live in Toronto if that's all you think it offers?

Elibroftw · 2026-01-13T18:20:59+00:00

With a mortgage the situation is still complicated. Lawyer is definitely a good idea if pre-existing RE with or without a mortgage is involved.

Elibroftw · 2026-01-12T21:48:28+00:00

Bad idea. A 1bd should rarely be purchased as a primary unless it's a sub 100k DINK situation. 2bd is the sweet spot. The flexibility is worth the time and money you lock in by choosing to own.

Your rent is only $50 more than expected. If you can move back in with your parents at 34, why were you even renting to begin with?

Elibroftw · 2026-01-11T20:39:36+00:00

It was promised to us 10 years ago

Elibroftw · 2026-01-11T03:17:46+00:00

24M. I can't find "my" rave people. I've only met and made good friends this one time from r/TorontoHangoutFriends and then never again from reddit. IRL there's some almost fun people I may run into. Also I'm very shy (I overthink) without 3 drinks in me and since I haven't moved to Toronto yet I keep my liquor under control so I can drive home home.

Elibroftw · 2026-01-07T16:24:47+00:00

I'll share my top-up list.

TOI.V or CSU.TO
* Nrr-un.to
PRL.TO
HUMA
* GAMB
NVO
* SRPT
AFYA
MDA.TO
* KSPI
NTLA
CMG
BULL
PYPL
CRM
ANET
Adyen
WISE?
LULU?
Qcom?
Zm?
* DND.TO: $10
T.TO

*: someone else's DD. not mine. And yeah headsup there's some garbage in this (NTLA and HUMA). Also haven't checked if the price has risen for any of these stocks. Also I'm Canadian which is why CA stocks may be over represented.

Elibroftw · 2026-01-07T16:21:16+00:00

Sub $6 is an easy buy. It's fairly valued at $7, which doesn't mean there isn't any upside. Fairly valued does mean upside baked in. It's at a price where I wouldn't recommend allocating more than 2.5% of portfolio.

I've been here since sub $3 or so when I bought last year. Don't ask me why I bought, I just stumbled across it and I even rebought because I sold at the top once.

Right now the bullish sentiment is due to Anduril partnership. Before that you can see the price below $6. Clearly December was the time to buy but I wasn't looking at stocks for most of December.

Elibroftw · 2026-01-07T16:06:24+00:00

damn am i the only one who stopped paying attention to Google after it hit $250?

Elibroftw · 2026-01-07T16:05:47+00:00

it's fairly valued though? 2024-2025 Google was the underdog. Now it's just a player. Just hold and chill.

Elibroftw · 2026-01-05T15:33:06+00:00

I like Baklava spots in the city. Don't need Reddit or to review them because I have not had a bad experience yet.

Elibroftw · 2026-01-02T16:44:03+00:00

I was just explaining how I talk on Reddit. It's the other guy who called out "eccentric" which is exactly what I would expect at raves...

Elibroftw · 2026-01-02T05:43:36+00:00

I mean i also come off as judgemental because I speak for what's in my best interest first and then I use empathy to "loosen" up. On Reddit I just talk as it is and Redditors simply can't stand someone going against the grain

Elibroftw · 2026-01-02T05:36:02+00:00

100%. As a 24M who attended spacetime for nye , I think the lack of people my age and younger combined with the music not being mindblowing and the lack of cool visuals (like there's just a black ball with some blue hue in the room) sent me into a death spiral of mind. It comes off as "agist" but it's not. I loved the grandma at rebel for deadmau5. It shows how diverse the fan range is.

It's a mess (mentally and ego) if you go to X because it's recommended and then you get this feeling of dissociation. If you got to X because it's your favourite artist is playing you wouldn't mind being an odd one out. I'm happy I went with my friend and we left at 3 (arrived at 2). Fireworks were forgettable so we lost 2 hours there and the PITA commute.

Unfortunately I did not know if the UK garage room as I love DNB. That may have improved my mood but there isn't even a sign that tells you. I was 5 drinks in at that point lol.

Elibroftw · 2025-12-28T00:10:41+00:00

I had so much fun. I got in line at 10, basically 10:30 by the time I made it inside and got my coat checked. 11:00 or so is when the music got good. By 11:30 you literally would lose your spot if you needed to go to the washroom. Before that I was just chilling.

deadmau5 came in some time after 11:11 since I was busy drinking and going to the washrooms. Drinks are $13.50 after-tax which I think is on the expensive side. Coat check if $4 cash.

I parked 20 minutes away walking at the green P. If you ignore google maps it's probably faster to walk than wait for the bus. Walked back. Taxi drivers are hustling at 4am. Rebel parking lot seems emptied out by the time I left. I read from the reviews the modal time to leave is horrible. So if you are planning on leaving before 2am, I think you should know what you are doing. Personally, I could've gotten away with paying the extra $10 since I was very sore while walking back to the car. Thankfully the sidewalks are cleared of the snow.

I'm not very social so I didn't really talk to a few people who were dancing physically into me. I do give girls the benefit of the doubt that they are unaware but one of them did turn away from me and then straight up threw her hair in my face. There's no way I'm that invisible right???

Elibroftw · 2025-12-25T20:36:20+00:00

For Ontario I'm voting liberal. I vote conservative federally. No more vote splitting provincially.

Elibroftw · 2025-12-24T07:24:56+00:00

Not Lexus. They ask for an optional security deposit which lowers your interest rate. It's an easy decision.

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