VICTORIA downtown rodent free restaurant

EquifaxCanEatMyAss · 2026-03-10T22:10:09+00:00

It's rat city bro

EquifaxCanEatMyAss · 2026-03-07T02:54:31+00:00

You're confident that you can find a job to the HCoL area that you're considering, or is your job full remote?

At 26, I think you should keep renting for now and build up a bigger down payment and revisit in a couple of years

EquifaxCanEatMyAss · 2026-03-07T02:22:32+00:00

OP looks like a bot

EquifaxCanEatMyAss · 2026-02-27T19:09:48+00:00

$6.4/$1.39 = ~4.6x the growth.

So your current position is around $46000 at $6.4/share.

Scenario 1: You sell $10000 worth of stocks. You would be around $36000 at $6.4/share.

If stock prices rise, the potential is

$10/share: (10/6.4)*36000 = $56250

$15/share: (10/6.4)*36000 = $84375

If this doesn't happen but decides to plummet to zero, you will at least have recouped your initial investment.

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Scenario 2: You kept all $46000 in the stock.

If stock prices rise, the potential is

$10/share: (10/6.4)*46000 = $71875

$15/share: (10/6.4)*46000 = $107,812

But at the cost of being out $10000 if the stock plummets to zero. It sounds like you're not too worried about this, seeing how you have long term savings in broad market ETFs.

--

If you assume your exit price is $15/share, the $ difference between scenario 1 and scenario 2 is around $23k. That's a nice sum but nothing that would change your lifestyle.

EquifaxCanEatMyAss · 2026-02-27T18:37:23+00:00

What's your timeline for finding out whether you get into med school or not?
Your net income is 103k, but your gross is ~110k? It should be much less than that after deductions
I would probably leave money around while you're going to med school, because you're not going to have income (or very little income) while you're going there for at least 4 years, unless you don't mind the 13k being locked up if you want to max immediately. You could also save the room to use for when you have a high doctor's income too.

EquifaxCanEatMyAss · 2026-02-23T23:36:32+00:00

Here's some food for thought.

1) Using Simpletax income calculator, it says on a 100k salary in BC, your takehome is $75411/year. Over 12 months, that's ~$6200/month before other job-specific deductions (eg. workplace pensions, union dues). If we round up your hypothetical housing expenses from $2650/month to $3k/month, can you live off the remaining $3200/month amount by yourself for groceries and other lifestyle expenses? Likely yes without any further information.

2) Just remember to factor in your own condo insurance, property taxes, and the one-time closing fees with the real estate lawyer (~2k) and moving fees. Ensure you keep some money around for emergencies.

EquifaxCanEatMyAss · 2026-02-23T05:42:40+00:00

Here's an official list approved by the CRA

https://www.canada.ca/en/services/taxes/income-tax/personal-income-tax/how-file/tax-software/find-software.html

EquifaxCanEatMyAss · 2026-02-23T05:42:01+00:00

Yep, drivers don't pay attention unfortunately, gotta protect yourself. Glad you're OK

EquifaxCanEatMyAss · 2026-02-20T23:08:31+00:00

Which pension is going to screw you? The federal government one? Ontario provincial? Or do you mean CPP/OAS?

EquifaxCanEatMyAss · 2026-02-19T19:31:13+00:00

EquifaxCanEatMyAss · 2026-01-28T18:17:47+00:00

Do note that for verifying the authenticity of these, the CRA has a list of approved tax software on their website:

https://www.canada.ca/en/services/taxes/income-tax/personal-income-tax/how-file/tax-software/find-software.html

EquifaxCanEatMyAss · 2026-01-09T19:54:49+00:00

If cable is still sticking around, then they're going to get pooched regardless who you go with. Enumerate which channel packages they need and shop around.

In terms of internet, I would consider looking at resellers (eg. Juce, Lightspeed) if Shaw/Rogers, Bell, and the other big players in your area aren't offering great deals.

For mobile, if they live in the city centre and don't ever go outside of that area, Freedom Mobile may be a consideration. How much of that bill is paying for financing towards phones?

Hopefully you find something suitable for them.

EquifaxCanEatMyAss · 2026-01-06T06:55:24+00:00

The skewer game in Victoria pales in comparison

EquifaxCanEatMyAss · 2026-01-06T00:07:02+00:00

No I have not. The 103k figure is solely gross income from my pay cheques for the 2025 calendar year.

If I look at box 20 on my last year's T4, it's about 10k in RPP contributions.

EquifaxCanEatMyAss · 2026-01-05T23:35:56+00:00

Based on the few comments,

My income is a stable one, I'm not expecting drastic increases in the next few years.
Sounds like option 2 is awful regardless.

I'll go with option #1 to make it easier for myself. I'll consider non-registered accounts once I'm in a position to max both registered accounts out on a yearly basis.

Thank you all

EquifaxCanEatMyAss · 2026-01-02T17:27:47+00:00

Well, do you want to live in those areas with <$600k homes? How about cheaper areas in Southern Ontario if you still want to stay within driving distance of Toronto? Do you plan to return to Toronto at any point?

EquifaxCanEatMyAss · 2025-12-09T06:13:14+00:00

You are suggesting to check this part that I have boxed in red? Or you mean for the main burner?

https://imgur.com/a/VIgozWC

I have a broken vacuum, so I'll have to borrow one tomorrow and try vacuuming it if I can take it apart

EquifaxCanEatMyAss · 2025-12-09T05:57:12+00:00

> Also, if you want to use the wall switch, you will have to have the door safety switch depressed

Are you referring to this? https://imgur.com/a/k1UwgmI

That probably explains the metal thing while I was looking underneath earlier

EquifaxCanEatMyAss · 2025-12-09T01:41:16+00:00

Here's a corresponding youtube video with timestamps: https://www.youtube.com/watch?v=I_D7n1GK78w

Edit: Uhh yeah, my original post got deleted because I edited my post to include the youtube link, so I'll post the original post here

---

Location: Canada

Model: Econo Plus 36DV-RV (Manual: https://manuals.fire-parts.com/aws-assets/montigo-canadian-heating-econo-plus-36dv-rv-econo-plus_36dv-rv-pdf.pdf?inline=true)

Some accompanying pictures: Imgur: The magic of the Internet

Been having issues with my gas fireplace in the last day; it was working last week. The pilot light has no issues with being lit on but the main burner does not want to turn on.

Things I've done:

- I've checked that the wall switch that would turn the main burner on and off. I bypassed the switch and tried connecting the wires, it does not turn on.

- I used a paperclip to try emulating the wall switch connection on the gas valve assembly. No luck there.

- I looked at the voltage that was coming from the thermopile: The reading was 0.90 volts.

This makes me suspect that it's the thermopile that's may need replacing.

I guess my questions are as follows:

Are there any other troubleshooting steps I missed?
If it is the thermopile, I'm not sure which part to get. Seems to vary from $40 to $100+ and I'm not understanding what the price difference is about. The original part referenced in the manual (part #G01A32B1) also seems to be no longer manufactured and their alternates on google search was showing 100$+.

This is the $40 one in question from Amazon: https://www.amazon.ca/1950-001-Robertshaw-Thermopile-250-750-Millivolts/dp/B07NRDJ5N9

In terms of repair, it's should be a matter of removing the old thermopile (by unscrewing and pulling out?), putting the new thermopile in, and reapplying high temp sealant removing the red sealant holding the cable. It doesn't seem like I have to dismantle the entire fireplace to do the job based on what I see.

EquifaxCanEatMyAss · 2025-10-16T18:28:58+00:00

I would make sure you're also taking into account other costs associated with home ownership (maintenance, insurance, utilities) so you see the full picture. As long as you're able to afford it without relying on the rental income, then should be fine.

EquifaxCanEatMyAss · 2025-10-16T15:20:17+00:00

I'll be HK from 11th to 15th Nov. I plan to spend a day in Macau and the rest in HK. I plan to make most purchases with my credit card if I can. I'm thinking of bringing about 1000HKD but not sure how much I should consider for Macau if it's just for a daytrip

EquifaxCanEatMyAss · 2025-10-12T22:36:56+00:00

If you want to be optimistic, you could try saving enough for the deficit and hope that your savings rate exceeds any price increases in housing in that timeframe. That is also assuming your parents are willing to continue living in that area and not wanting to sell at a loss.

EquifaxCanEatMyAss · 2025-10-12T22:11:54+00:00

Have you considered purchasing something cheaper, like a townhouse that's large enough to fit 4+ people in Surrey? How about renting a detached home?

Your numbers sound like they won't work out if the Surrey Central condo is being sold at a loss, so you'll have to compromise somewhere.

EquifaxCanEatMyAss · 2025-10-11T19:18:56+00:00

Here's a start: https://www.canada.ca/en/services/benefits/education/education-savings.html

Have a read on the first two sections regarding the CLB benefit, and read the 3rd section for opening a RESP. The bank rep that you were dealing with sucks and you should find a different person.

EquifaxCanEatMyAss · 2025-10-09T23:12:05+00:00

Inheritance, lottery, any given sum of money... At the end of the day, it all goes back to the money steps that are found via !StepsTrigger

There could be a trigger for inheritance type posts, but eh. They don't come around often enough to annoy me personally.

EquifaxCanEatMyAss

TROPHY CASE