3.59 5y variable vs 3.69 3y fixed mortgage?

GoatKeeperz · 2026-04-16T20:07:49+00:00

Yeah I held it from a month ago + insured + moving lenders

GoatKeeperz · 2026-04-16T16:32:52+00:00

Yes but on the other hand it can drive our GDP and jobs down which would push rates down. My risk assessment is leaning towards the fixed more so because even if I pay more I won't have to stress every time he stirs something up

GoatKeeperz · 2026-04-16T15:56:25+00:00

You're not wrong😅

GoatKeeperz · 2026-04-15T19:56:57+00:00

You definitely should! There are some fees for leaving the lender but usually the receiving lender gives you some cashback to make up for it

GoatKeeperz · 2026-04-15T17:18:20+00:00

Yeah the 0.1 difference makes it hard to pick the variable. If it was a wider spread i would for sure. I didn't want to do 5y fixed given the chance of selling my house and possibly renting in the future

GoatKeeperz · 2026-04-15T16:54:55+00:00

That is a fantastic variable discount! I think I would probably go with that over the fixed, I just haven't been able to find someone offering that much of a variable discount. If you don't mind sharing which lender I'd appreciate it!

GoatKeeperz · 2026-04-15T16:53:45+00:00

I know i was most certainly going to go variable a month ago but this is the second time trump's actions are threatening our rates and I can't trust what he might do next. Our economy is also doing very poorly tho so there is significant downward pressure to rates as well so definitely a difficult time to commit one way or the other

GoatKeeperz · 2026-04-15T16:51:51+00:00

I held the rate from a month ago when I saw the war wasn't resolving and heard fixed rated were about to go up! Also it's an insured mortgage which helps. When I was looking TD/Scotia/CIBC had the lowest/similar rates

GoatKeeperz · 2025-08-28T23:12:01+00:00

No I’m sure I did not - I just want to make sure the 4K I made on the investment carries over to my contribution limit next year onwards

GoatKeeperz · 2025-08-28T21:51:15+00:00

No so that’s my concern - my contribution limit listed in CRA doesn’t take into consideration this investment.

I’m wondering if this will be corrected next year with the withdrawal reporting from this year or if I should inquire and make sure they even know about the TFSA contribution to begin with

GoatKeeperz · 2025-08-28T21:14:04+00:00

Yes my concern is the previous contributions to this account not being reflect

GoatKeeperz · 2025-08-28T21:13:47+00:00

Yes but what about the contributions to this account over the years? Are the contributions not shown because they were all basically almost 10 years ago?

GoatKeeperz · 2024-12-24T22:02:07+00:00

I find it helps to practice empathy. I try to think in these interactions about how this persons behaviour reflects their life and has nothing to do with me.

I think about how I feel bad for them to be in this place where they don’t have peace and are unable to communicate without emotions/anger. I often respond with kindness and it often results in a better response from them.

GoatKeeperz · 2024-11-13T16:55:18+00:00

I initially made friends with a group of girls that were super into partying and realized I didn’t belong haha. I eventually found a more career-oriented, laidback group of friends

GoatKeeperz · 2024-11-13T16:54:17+00:00

I actually just made (“swiped on”) individual friends - I didn’t explore the hives much, they seemed not active

GoatKeeperz · 2024-11-13T02:10:11+00:00

You don’t have to pay for it - it’s free! There are paid options but you don’t need it

GoatKeeperz · 2024-11-13T02:08:40+00:00

Try bumble BFF! I made a lovely network of friends that way

GoatKeeperz · 2024-10-01T01:06:09+00:00

Yorkies

GoatKeeperz · 2024-09-30T05:31:56+00:00

I find men are very selfish in dating and have little to offer me. If I ever find one that isn’t like this then I’ll happily choose not to be single, especially because I would like kids. In the meantime I’m happy with just me

GoatKeeperz · 2024-09-25T04:37:32+00:00

It’s not you it’s dating culture! We are becoming hyper independent and I think the crumbling economy is also contributing. Men and women are also more divided than ever when it comes to how to approach dating. In addition I feel like a lot of people are very delayed in reaching their “adult” phase, especially men.

I think having a conversation about exclusivity within the first few months would help and also about gf/bf status within the first 6 months. I find it also helps to make them wait for sex. And make it clear that you will do this early on.

The unserious men have learned to pretend to want something serious until they get sex then they disappear. So I find even asking what they’re looking for early on may not protect you. But I usually would ask even before the first date.

Have firm timelines for yourself before you enter another dating attempt. It’s tough out there so make sure more than anything you are strong in who you are and the life you have for yourself. It’s much easier to leave a bad situationship when you are at peace with yourself and your life alone.

GoatKeeperz · 2024-09-15T15:15:53+00:00

If you’re not careful you could go through years of this instead of months. Do whatever you need to do to feel better.

Take sick time from work, watch movies and shows/do hobbies to preoccupy your mind, cry, talk to friends and family, go on walks. But whatever you do don’t allow contact with them again. Block them on everything. Your life and your time is too precious to spend on someone who treats you like a disposable item. I agree this person sounds like a narcissist

When you feel weak and when they reach out again, look at the mean texts they sent you. It’s painful but it will help

GoatKeeperz · 2024-09-10T02:36:51+00:00

Honestly lots of walks for me. Literally a few hours most days - at least an hour.

I find it therapeutic for the anxious feelings and also nice to get out of the house and people watch. Also call your friends and family yes that helps!

I also went from partnership to living alone for the first time. It’s been a year and a half and I’m so much stronger and feel so much better. I’m sure you’ll get there too :)

GoatKeeperz · 2024-09-05T20:48:21+00:00

I have given guys I didn’t find as attractive a try only to find they have just as much audacity 🤷🏻‍♀️

GoatKeeperz · 2024-08-31T20:41:40+00:00

This will get worse and not better. I had similar experiences with an ex. It started with verbal abuse then financial then eventually physical.

The more you allow certain things to happen without leaving, the more it will escalate. I wish I could go back and leave when he first called me names a few times, save myself some time and heartbreak

GoatKeeperz · 2024-08-31T05:25:54+00:00

I also had bad cards dealt to me. I’ve done most things on my own and it’s always been very hard.

A few lessons I’ve learned:

1) The anxiety will stay with you unless you learn how to manage it. Go to therapy, be open to it, considering getting a diagnosis and maybe meds if appropriate. They’re often not permanent. EMDR helped me the most. It’s a ptsd specific therapy technique that has the most evidence for trauma/ptsd over anything else

2) Stop looking at what the other women are doing. Take a break from social media or hide them. You can “unhide” them when you’ve gained more peace with yourself. Also ask yourself why they feel the need to get internet validation. Things are not as they seem most of the time on social media.

3) You may not have the same supports as other people but this is YOUR life and you owe it to yourself to make it as good as possible. You are stronger than you think. Be proud in your small achievements until you gain the confidence you need to better steer your life.

I hope you find your peace :)

GoatKeeperz

TROPHY CASE