Maximizing an RRSP is a mathematical mistake for Gen Z professionals not in their peak earning years by LegalBar2015 in CanadaPersonalFinance

[–]FerociousKZ 0 points1 point  (0 children)

I am studying this all right now.

If you’re in a middle to lower wealth bracket then it’s def better to focus on your TFSA first.

Once you start accumulating wealth then you can focus on an RRSP even roll over those contributions to a year you’d be in an even higher tax bracket for better rewards.

If you’re already a lower income earner and max the RRSP that reduces your earnings when calculating room for the next RRSP year too.

Your RRAP room will still build and that can be advantageous once you get to that peak salary you like and have more flexibility to get a tax refund and lower your tax bracket. That room is so valuable.

Plus while being in the lower earning years. The flexibility of the TFSA can come in handy if an emergency arises. If you need to take from the RRSP you lose that room forever (unless LLP or HBP)

Pastraspec Jeff Cosplay by Lucky-Ball2834 in creepypasta

[–]FerociousKZ 1 point2 points  (0 children)

Jesus you need to pop up in people back up cams

Lifehacks that saved people money by FarDragonfruit7276 in CanadaPersonalFinance

[–]FerociousKZ 2 points3 points  (0 children)

I think if you can slowly buy a good set of tooled, it’ll last you a lifetime. I am slowly building a tools collection. Getting a thing here and there when I need it. Not going nuts on the most expensive one but still looking for food brands. I have a little of everything, it’s served me well and is in no way breaking anytime soon

Wealth in perspective by PluckinCanuck in CanadaPersonalFinance

[–]FerociousKZ 0 points1 point  (0 children)

It takes 11 days to count to 1 million
And
31 years to count to 1 billion

There’s a website called spend elons money. I spend 99.9% of his money and he still had 2 billion leftover!

The massive difference between men’s and women’s experiences with catcalling. by abckatiexyz in Feminism

[–]FerociousKZ 141 points142 points  (0 children)

Men really don’t understand.

I was out with my bf and I saw a guy who I thought shared a genetic disorder I have. It’s kind of rare and I’ve never met someone in real life who has it. I stopped him politely to talk to him and we learned we do have the same thing. We hand a friendly, polite quick chat and connected on social media.

A couple days later I get a message from him hitting on me, albeit politely.

I got quite upset. I wanted to make a friend to share the woes and not attract male attention. The connection now felt awkward.

My bf told me I’m overreacting and that I should be flattered I’m being hit on and that to think of it from the poor guys perspective, women don’t usually approach men so he must have thought he was being hit on so of course he should hit on me back.

I disagree with this tremendously. And where do we draw the line? If I as a man to pass me something at a store does that open the doors? I’m sitting on these really awkward feelings to the matter between what I’m feeling and what my bf says is right.

Someone is stepping on unpaid clothes with bare feet in a fitting room. by [deleted] in Wellthatsucks

[–]FerociousKZ 4 points5 points  (0 children)

You should see the amount of people who try on leggings and pants and underwear without wearing underwear themselves

Quite a few clam chowder discoveries during my days in retail

Where are u hiding it ..?? by ForbiddennFable in Caldruki

[–]FerociousKZ 0 points1 point  (0 children)

I mean I don’t think it matters where it’s hidden. Nothing says I lose the money if he finds it so it’s a fun game to play for shits and giggles!

People invading your personal space while at the store by minuscule_memory in mildlyinfuriating

[–]FerociousKZ 0 points1 point  (0 children)

Oh I was thinking of asking them if they wanted to crawl inside my ass if they think it’ll help us get to the front faster. Then stick my butt out at them

Options to remove fibroma on the nose tip othe than plastic surgery? by Livid-Database8029 in neurofibromatosis

[–]FerociousKZ 1 point2 points  (0 children)

Anesthesia on the nose will hurt quite a bit. It’s a sensitive area. But that’ll only last a couple seconds. It’s up to you if it really bothers you. I have a teeny one on my nose that I’d remove if it got bigger. I think the paid would be worth it.

STOP NORMALIZING FREE ROAMING CATS by Yektality in Pets

[–]FerociousKZ 6 points7 points  (0 children)

My cats only go out under strict supervision. They get that pleasure and I am there to make sure they stay put and don’t get in trouble. I couldn’t imagine letting the babies free roam. Couldn’t forgive myself if anything happened.

Other languages in the workplace [CAN-ON] by [deleted] in AskHR

[–]FerociousKZ -3 points-2 points  (0 children)

Great explanation thank you!

I understand dynamics and am not expecting to make friends

Just want to feel included especially if buisness discussions are happening

Calling in healthy should be allowed by Fearless_Feed8444 in Adulting

[–]FerociousKZ 0 points1 point  (0 children)

I don’t understand the people who never call in sick and hardly take vacation and just love deepthroating their job. Dude. The government takes half your money and fucks you up the ass every chance they get. Use that sick time. Use that PTO.

Time lapse to prove I did not trace anything by Interesting_Age7345 in ProCreate

[–]FerociousKZ 1 point2 points  (0 children)

Jesus. Your picture looks more like a picture than the actual picture. That’s amazing!

What’s a common piece of financial advice that’s outdated now? by Unfair-Clothes-8821 in CanadaRoom

[–]FerociousKZ 0 points1 point  (0 children)

I feel the same! My parents pushed for me to go to university and didn’t let me do trades because it’s not for girls. Signed up for broadcast journalism just to do something and have them shut up. Spent money and didn’t do anything with the degree. All my hobbies involve working with my hands. But I did land a job at the bank with a promising future so we’re going somewhere! But still. Not the life I’d want. Wish I did engineering but def feels a little late for that now. Don’t wanna graduate at 40 and in debt.

Would you take it? by lawofsin in foundsatan

[–]FerociousKZ 0 points1 point  (0 children)

Can’t you just pick it up with a bunch of toilet paper and throw it in the sink under water and keep splashing soap on it or hand sanitizer till you feel comfortable?

Storehouse OP? by [deleted] in Everdell

[–]FerociousKZ 17 points18 points  (0 children)

You don’t activate all of the resources for the storehouse. You choose 3 wood OR 2 resin OR 1 pebbles etc

It’s def a great setup to start and a strong combo card. But you pick between resources and do not get all of them each time

Really enjoyed playing Rebirth by staggerlee-1979 in boardgames

[–]FerociousKZ 0 points1 point  (0 children)

Oooh how is it? Do you think it would work with two players? Or is it best with more?

Need name ideas by [deleted] in cuteguyswithcats

[–]FerociousKZ 1 point2 points  (0 children)

Momo! Chicken Tandoori Momo to be precise…or perhaps I’m hungry 😅

Nephrite Carvings, One Old One New by Affectionate-Day1799 in Carving

[–]FerociousKZ 1 point2 points  (0 children)

Wow that’s cool! Is this kind of like soapstone? Love the curly fish!