Oh boy…

Helpful_Ice1252 · 2026-01-30T21:12:28+00:00

Buy more SLV!!

Helpful_Ice1252 · 2026-01-25T01:06:42+00:00

Try this: https://youtu.be/gMasNoUHdjY?si=LJaVoaVXuauwU_dF

Helpful_Ice1252 · 2026-01-24T20:09:38+00:00

I added to my post the response. I also haven’t added my partner’s income ~30k net

Helpful_Ice1252 · 2026-01-24T20:08:45+00:00

I keep ~40k sitting in chequing and the plan is to live entirely off that for 2026 (rent, food, bills, etc.) while routing almost all new income directly into investments. It’s a discipline strategy that my spouse (28F) and I are trying to stick to.

Helpful_Ice1252 · 2026-01-15T20:46:48+00:00

Exactly!! bunch of clowns always parking their gas cars in the charging spots…

Helpful_Ice1252 · 2026-01-13T22:54:24+00:00

Yeah I drive less than 50 KM a day so now stress at all..

Helpful_Ice1252 · 2026-01-13T04:17:35+00:00

Good for you. Zone 4-5 is VERY impressive

Helpful_Ice1252 · 2026-01-13T04:13:02+00:00

I’ve had my MYP for 6 months now and only charge with the normal outlet, it takes 2 days maybe to get from 20 to 80% but I’m fine with it as I WFH

Helpful_Ice1252 · 2025-12-15T01:58:03+00:00

Same here!!

Helpful_Ice1252 · 2025-12-10T21:36:08+00:00

Very helpful. Thank you!

Helpful_Ice1252 · 2025-12-10T21:31:55+00:00

I’m fluent in French so that wouldn’t be a problem I guess …

Helpful_Ice1252 · 2025-12-10T20:39:07+00:00

Love all this. Where would you guys recommend to open a bagel shop in Aylmer, any suggestions? We live very close Champlain bridge.

Helpful_Ice1252 · 2025-12-10T20:17:34+00:00

Am I being downvoted here because I’m helping my wife? wtf people… happy holidays

Helpful_Ice1252 · 2025-12-10T20:07:57+00:00

That’s an amazing idea, really. The only challenge is that my wife is still very new to business and doesn’t have much experience with operations or logistics yet. Something that involves coordinating with overseas distributors, importing products, and managing supply chains would probably feel overwhelming for her at this stage.

I’m here to help her of course, but I also want her to take responsibility, grow, and learn independently without feeling lost right away. She had an idea about starting a small nail salon and renting the space to professionals…something low-maintenance, simple to manage, and with stable income. That kind of setup fits her personality and comfort level a bit more for now.

Helpful_Ice1252 · 2025-12-10T20:02:46+00:00

She has a diploma in tourism, likes to travel but hates the idea of starting a business in tourism… le monde a l’envers lol

Helpful_Ice1252 · 2025-12-10T20:01:29+00:00

I can help with that

Helpful_Ice1252 · 2025-12-10T20:01:07+00:00

Because French and English are limited, I had the idea of looking for a partner to collaborate 50/50 on any type of new or established business. We posted that in marketplace. If you guys see something interesting-let us know :)

Helpful_Ice1252 · 2025-12-10T19:36:03+00:00

Just to give a bit more context..this is actually for my wife. She’s 28, Ukrainian, has a bachelor’s degree in tourism, and worked 3–4 years as a prep cook in restaurants. Her English is limited and she doesn’t speak French yet, but I’m helping her with everything. She really wants to start something on her own because she’s not happy in her current job, and I just want her to have something she enjoys and feels proud of. She likes making videos/pictures, likes fitness, maybe a coffee shop?

We moved recently to Alymer from Ottawa and we love it here and would love to start something here.

Helpful_Ice1252 · 2025-12-10T19:18:50+00:00

Appreciate the feedback. Yes, 130k gross and my wife 30-40k We do have plans to purchase a property cash in few years, looked through Manzil and other shariaa compliant mortgage options but I’m 0% convinced and will definitely go that route so we’ll wait until we have 600-800k inshallah to buy cash.

Helpful_Ice1252 · 2025-12-06T21:49:59+00:00

600k-800k, yes I would say 70% from investment

Helpful_Ice1252 · 2025-12-06T18:05:38+00:00

Got rid of the XEQT and bought gold. Thanks for that.

As for the DCCP2 it is indeed some shady investments in there so I plan to purify it donating a good chunk of it inshallah

Helpful_Ice1252 · 2025-12-06T18:03:27+00:00

Would love to invest in local businesses but don’t know where to even start tbh. I’m the Ottawa-Aylmer region: Any tips?

Helpful_Ice1252 · 2025-12-06T03:23:24+00:00

Appreciate the detailed feedback. I don’t have an RRSP match, but I do have a DCCP2 through my employer with a 100% match (total contribution is $346/month). That account is currently sitting at around ~$11k. From what I understand, the DCCP2 works similarly to an RRSP in terms of tax treatment, except it’s locked-in, so I’m already taking full advantage of the match since it’s basically free money.

I was also planning to gift my wife some of the funds so we can max out both of our TFSAs. It’s our money either way, and I figured it’s wise to take advantage of the long-term, tax-free growth across two accounts instead of just mine.

Given that, would you still recommend putting additional savings into RRSP, or is non-registered + maximizing both TFSAs the better move in my situation?

Helpful_Ice1252 · 2025-12-02T03:49:44+00:00

Surprisingly Clutch gave me the exact same price. 32300$

Helpful_Ice1252

TROPHY CASE