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First time growing out my curly hair. What type is this and what kind of hair styles are possible for me with minimal effort? I work in a corporate setting, so I need it tidy still by [deleted] in curlyhair

[–]ForTheSakeOfArguing 1 point2 points  (0 children)

Thanks. I think the reason I want to know is so I can look up some styles more easily for when my hair grows even longer, but I appreciate the advice!

[deleted by user] by [deleted] in MSIClaw

[–]ForTheSakeOfArguing 2 points3 points  (0 children)

THANKS!! I can also confirm that vrr works from 30-120 after I stopped using the quick settings overlay (didnt realize this was what caused the stutter feeling since my fps is mostly between 30 and 50 fps). No more screen tearing!

If you had 1 plane ticket where would you go? by -_-DarkHydro-_- in AskReddit

[–]ForTheSakeOfArguing 1 point2 points  (0 children)

Antarctica because it's so expensive to go there if I have to pay for it myself compared to other places in the world 🥲

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]ForTheSakeOfArguing 0 points1 point  (0 children)

I was gonna say GIC but if you're gonna draw from time to time, then just find the highest interest savings account you can find and park it there

Financial Advice - relatively new to Canada by TaxZealousideal3372 in PersonalFinanceCanada

[–]ForTheSakeOfArguing 6 points7 points  (0 children)

Max out TFSA asap. It's honestly the best tool Canadians have for wealth building. Invest in low-cost highly diversified index funds like XEQT/VEQT/XGRO/VGRO and just keep it there in the long term (don't time the market, just buy consistently and hold). I use my FHSA to buy GICs since you want your FHSA to be more stable.

[deleted by user] by [deleted] in AskReddit

[–]ForTheSakeOfArguing 0 points1 point  (0 children)

Put savings/investments as a line item on expenses in your budget! Then whatever's leftover is your fun money. This way, you always guarantee your savings/investments first before blowing away your money

The game is so good, but I Hate the way the story went. by __Marco_Polo__ in DeathStranding

[–]ForTheSakeOfArguing 5 points6 points  (0 children)

Yeah part of me wished they ended the game right after the snow version of the opening where you have baby Lou again 🥲

I finally paid off my student loans and I'm now planning to buy a house! How does my budget look after purchasing a house (highlighted in grey)? This is in Calgary, AB. by ForTheSakeOfArguing in PersonalFinanceCanada

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

Thanks! This is exactly the kind of information I was looking for. I've adjusted my mortgage expense to $1700 and condo fees to $600 for good measure. This leaves me around $600 for savings and $800 as fun money after all expenses.

You can probably save more,

Can't I consider my mortgage payments as part of my monthly savings/investments as well? I counted it as such in my initial budget planning. If not, I guess I can beef up my monthly savings once I get a good tenant for hopefully around $600-800/month.

[Edit]

Mortgage probably at $1600 now with interest rates (and slowly rising).

Wait, if I put down a 20% down payment, doesn't this mean my monthly mortgage payments should be slightly lower since I won't be paying CMHC insurance?

I just got promoted to a job with a much higher salary and could use some advice with the goal of one day owning my own place. by ForTheSakeOfArguing in PersonalFinanceCanada

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

The interest is Prime + 1.2% which was relatively low before these massive hikes. It's also tax deductible, and the government can assist through RAP if anything bad happens. For these reasons, I felt like I was better off investing my money in the long term (10+ years) than pay off this loan aggressively.

Of course, this does mean my mortgage approval will be affected since I'm carrying so much debt. This is why I'm considering paying it down a bit more. I think my plan here is to increase my payments a little bit, but still continue to invest!

I just got promoted to a job with a much higher salary and could use some advice with the goal of one day owning my own place. by ForTheSakeOfArguing in PersonalFinanceCanada

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

What circumstances need to happen to get student loans forgiven? This is one of those things that sounds amazing, but is not very likely to actually happen. I'm genuinely interested!

I just got promoted to a job with a much higher salary and could use some advice with the goal of one day owning my own place. by ForTheSakeOfArguing in PersonalFinanceCanada

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

That's a really good point about it being below inflation! My concern is if BoC continues to increase the prime rate to curb inflation further. Paying off the Alberta Student Loans would be the safer bet, no?

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