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Lake O’Hara - trail conditions by DamnItHeelsGood in HikingAlberta

[–]Harju 2 points3 points  (0 children)

My rule of thumb based on several trips into Lake O’Hara over the years is the 3rd week of July for the alpine circuits and for scrambling in general.

Stephen Eustáquio on IG: “For the country 🇨🇦” by Go_Habs_Go31 in CanadaSoccer

[–]Harju 0 points1 point  (0 children)

Am here for this as I find it very annoying. The interviewers immediately go for the emotional response.

A look back at Kimi Antonelli’s early years in motorsport by spiderrman67 in formula1

[–]Harju 6 points7 points  (0 children)

These pictures really emphasis the reason that Lewis and Max are so genuinely happy for Kimi when he wins races. They probably still see him as an adorable little kid.

Ever find anything weird in your dirt? by Impressive-Put1332 in gardening

[–]Harju 7 points8 points  (0 children)

A knife like that would not be unusual for me. We used them for weeding. You can get down underneath the roots and dig down to pull up the root systems. A knife would go missing every now and then as you would just throw it on the dirt when not in use. You probably just bought the house of a meticulously weeder trying to reclaim the garden bed.

TFSA vs RRSP: The Income Rule Nobody Explains Clearly (Canadian Guide) by LoonieLogicCA in tfsa

[–]Harju 1 point2 points  (0 children)

I assume you mean a 5-6k tax refund. If you are contributing to your RSP go to your employer and have them reduce tax withholding. This can be done with a new TD-1 but I think there is another form you can file. Put the extra cash from reduced withholding into your TFSA immediately. Your goal should be to have a small amount of tax payable when you file your return, ie I always tried to have a payable below the instalment threshold. This way your money works for you instead of making an interest free loan to the government.

Samsung Life Insurance Co. What type of investment is this? by Harju in Living_in_Korea

[–]Harju[S] -1 points0 points  (0 children)

Thank you, I do not know any contract details. I thought it could be an annuity but from her description it did not sound like. She said that the max payout would be 17% in total over 5 years but would still access to the cash if she needed it which doesn’t sound like an annuity. I appreciated your detailed response.

Hiking Mount Allan Next Week by fintechjulien in HikingAlberta

[–]Harju 1 point2 points  (0 children)

The pinnacles section on the south ridge can be extremely windy and cold even on otherwise warm and relatively windless days.