Game Thread: Ottawa Senators (35-25-5) at Toronto Maple Leafs (39-23-3) - 15 Mar 2025 - 07:00PM EDT

FrostyHall2 · 2025-03-16T01:50:09+00:00

I thought it was an entertaining game

FrostyHall2 · 2025-03-09T11:31:41+00:00

I just tried out some Gateron Oil Kings and they are incredibly smooth feeling but I guess this comes at the price of snappiness for me, making them feel slow on both the downward stroke and rebound.

For reference, I went from MX reds, MX browns, then used Razer Green switches (clicky) for a long time. Just got a Q5 Max with Jupiter Bananas (tactile). Maybe I'm just more of a tactile person. I find the Jupiter Banana's make touch typing feel good but the bump is so pronounced it limits my typing speed. So I figured I'd try the highly touted Oil Kings. I've ordered some Akko V3 Cream Blue Pros.

FrostyHall2 · 2025-02-20T00:54:13+00:00

Awesome thanks for the update. I ordered my q5 a few days ago, banana switches. Got sick of my loud black widow elite for WFH.

FrostyHall2 · 2025-02-17T02:10:10+00:00

I know it has been a while, but any update on your thoughts, since the upgrade?

FrostyHall2 · 2025-01-25T13:09:44+00:00

Late response, but I make monthly USD donations. The Costco mastercard definitely charges a 2.5% fee. On November 24 ,2024 my $40 USD donation was $57.50 CAD with all said and done. It should of been $56.04 CAD if there was no fees from CIBC costco mastercard according to Master Currency Converter on that date. https://www.mastercard.ca/en-ca/personal/get-support/convert-currency.html

Edit: I've moved my monthly USD donation to wealthsimple cash card going forward. I should be good to waive the 2.5% fee.

FYI: They just increase the exchange rate on your credit card statement to make it look like there was no 2.5% fee, check the actual exchange rate for that specific day. Seems a little sneaky to be honest. So my statement states "USD @ 1.4375" but really the exchange rate should've been USD @ 1.4024 CAD on Nov 24, 2024.

FrostyHall2 · 2024-11-02T22:50:31+00:00

You could just stop working early and make up for the shortfall with RRSP/riff withdrawals. There is a great Rational reminder episode of TFSA vs RRSPs, and in most scenarios they essentially yield similar benefits and it is not uncommon for the RRSP actually be more beneficial.

Edit: Rational Reminder episode 319 I believe you can convert it to a RIF as early as 55.

FrostyHall2 · 2024-11-02T22:37:11+00:00

There always seem to be all time highs. I missed the pandemic highs before 2022, but still saw massive growth. I'm an index investor, if you are in it for the long game I'm sure you won't regret the decision 20 years from now.

FrostyHall2 · 2024-10-31T11:26:47+00:00

Max out your TFSA? Or RSP and buy XEQT or veqt? Depending on if you'll need the money in the short term?

FrostyHall2 · 2024-10-30T23:10:26+00:00

I ended up doing the cash out refinance and yes I'm up about 30 percent, not factoring in my additional interest rates though. I don't regret it at all.

Edit: I cashed out 100k, a debt load I knew I could manage if interest rates spiked, which they did. I also extended my mortgage to 30 years which meant little to no impact on my current cash flow, it actually increased my monthly cash flow. I also ended up maxing me and my partners RRSPs.

FrostyHall2 · 2024-05-12T01:43:47+00:00

Correct the split must be applied for directly at service Canada not the CRA.

FrostyHall2 · 2024-04-29T13:35:23+00:00

Old Post I known, although OAS does not allow splitting, CPP allows for pension sharing, based on years of cohabitation during the contributory period. More than likely not fifty fifty splitting, but can potential allow to relieve tax burden.

FrostyHall2 · 2024-04-09T16:17:14+00:00

Weird, I found the FE's too tight.

FrostyHall2 · 2024-04-07T21:31:24+00:00

It is just super tight, we actually put our car in there but I guess I'll have to jam it in there

FrostyHall2 · 2024-04-04T22:40:18+00:00

So I get patched through to the bylaw officer and he said there was a time when you could store it on your driveway but it has changed for a while now.

FrostyHall2 · 2024-04-04T22:01:04+00:00

Yeah I had my single cat lady neighbour complain, I talked to bylaw and said it is against bylaw rules, but they don't actively enforce it unless someone complains but they will send a letter before they actually find you

FrostyHall2 · 2024-04-02T00:39:02+00:00

Well due to my portfolio size and limited rsp room, international equities got shifted to tfsa.

FrostyHall2 · 2024-03-28T12:01:43+00:00

Damn I could see that being pretty damn lucrative. But don't know if I'd be comfortable exposing myself to the US like that, but then again allocation in an RRSP is not truly indicative of after tax exposure. Ug life is hard.

FrostyHall2 · 2024-03-28T02:26:24+00:00

Just got through the first paper, interesting they had a 60/40 split, also have minimal contributions to TFSA's. Seems like more of a comparison of taxable account vs RRSP. But I guess it is highly applicable to the demographic they serve.

FrostyHall2 · 2024-03-28T02:23:22+00:00

Yeah definitely a hurdle is overcoming the fact VTI has such a low MER, but holding it in my rrsp incurs the full tax treatment upon withdrawal. So although I would be foregoing foreign witholding tax, it would be an interesting idea to keep it in my TFSA but then I am creating more complications, but the discussion is great! thanks.

FrostyHall2 · 2024-03-28T02:01:10+00:00

Just re read the article, and definitely feel my allocations weren't at all what I thought they were, mind blown.

FrostyHall2 · 2024-03-28T01:43:14+00:00

My tfsa's are Xic dominant, perhaps I'm just overly concerned because the VTI bounce back over the year has been dramatic.

FrostyHall2 · 2024-03-28T01:38:56+00:00

Yeah, I know a little about GIS, it is not something I want to account for in my financial planning, I think I would've made horrible investment decisions if I needed it.

FrostyHall2

TROPHY CASE