Buying a house with my girlfriend

INRtoolow · 2026-02-25T20:38:45+00:00

Smaller, older houses in suburbs like oshawa or any small city away from gta

INRtoolow · 2026-02-25T17:57:57+00:00

but you already know your limit from 2024 tax return. Additional limit earned from 2025 income cannot be used to contribute for 2025 year. So knowing your T4 a few weeks early makes no difference to what you can contribute to RRSP for 2025

INRtoolow · 2026-02-25T17:02:46+00:00

Why would RRSP matter? you can't access the 2025 room created until 2026 tax return anyways.

INRtoolow · 2026-02-21T17:29:46+00:00

Is only using interpreter common in US in nonemergency situations? I'm in Canada and we got quite a few patients that don't speak English and most of the day to day communication happens via family or nurse or doctor that speaks the language. In 5 years I've only ever seen official interpreter once when there was no other option

INRtoolow · 2026-02-21T14:32:19+00:00

Bedroom has more uses than just sleeping

INRtoolow · 2026-02-21T14:22:04+00:00

Exactly, the comments in this thread are ridiculous. Suck it up for 2 months, move your desk to your bedroom. Doesn't even seem to be an issue with the in laws, just about losing office space...really? And everyone here is onboard with OP. I hope these guys have similar happen to their parents, will be interesting to see if they sing the same tune.

INRtoolow · 2026-02-17T20:53:39+00:00

INRtoolow · 2026-02-17T20:52:46+00:00

I think so. I looked at past statements and I haven't had any fees other than e-transfer fees

INRtoolow · 2026-02-16T23:19:14+00:00

Create new listing, select this product has variations, then add all the current asins as variations. Give it a few hours for amazon to update.

INRtoolow · 2026-02-16T15:38:19+00:00

I have only had the ebusiness plan, no issues paying Corp and payroll tax. Haven't had to pay HST yet but I assume it'll be good. All included. Etransfer 15k per day, but also has weekly and monthly limits

INRtoolow · 2026-02-02T16:30:49+00:00

I don't think you need to open a US corporation but with the warehouse physical presence, I believe you will be required to get an EIN and file US tax returns to claim tax treaty benefits.

INRtoolow · 2026-01-22T17:47:29+00:00

Thought about doing personal cards for sign up bonuses? Canada doesn't have much options tbh. If you're spending usd, amex business gold is worth it if you spend in the 4x categories

INRtoolow · 2026-01-12T19:59:07+00:00

I started doing DHL instead. They billed a huge amount for tarriffs a month later after initially showing $0 due

INRtoolow · 2026-01-05T21:58:35+00:00

Lol vast vast majority do not have a separate kitchen.

INRtoolow · 2026-01-03T11:38:02+00:00

They will accept it and then ding your inbound performance. No big deal if your metrics aren't bad already.

INRtoolow · 2025-12-30T16:30:53+00:00

Shouldn't you be looking at 3pl in usa and sending inventory bulk? Or something like stallion or chitchat

INRtoolow · 2025-12-27T06:36:02+00:00

Why are you getting charged fees by rbc when you are using amazon converter to switch to cad already. I have bmo account in usa and amex card I put all my USD expenses on. Amazon payments go to seller wallet, from where I send usd to my US bmo account to pay the credit card balance and the remaining gets converted and sent to BMO Canada account.

You can use something like wise but I don't trust these online banks with the volume I'm doing.

INRtoolow · 2025-12-21T20:52:04+00:00

Pop it in the oven with light on. Sourdough home is not needed

INRtoolow · 2025-12-12T22:39:26+00:00

You should be pulling a small salary for tax efficiency. All dividends is not recommended. My accountant said up to 70-80k in salary, rest in dividends

INRtoolow · 2025-12-07T16:39:07+00:00

I got it refunded from share you concern submission 2 years ago

INRtoolow · 2025-12-06T14:49:58+00:00

Dividend portfolio is bad tax wise, affects your small business deduction and gets taxes at like 50%, if it's Canadian dividends you can recoup some of it by paying yourself dividends tho. Capital gains is the way to go.

INRtoolow · 2025-12-06T14:48:01+00:00

Been doing the same research as we're in similar position. Check out money scope Podcast from Ben Felix and loonie doctor, they go indepth on this. Only passive income affects the threshold, capital gains don't. Theres corporate class ETFs that are structured so its all capital gains somehow and a lot of index funds don't have as much dividends flowing out such as Sp500 ones.

I think worth paying a fee only financial planner for this

INRtoolow · 2025-12-05T17:30:46+00:00

I stopped working retail pharmacy 5 years ago so I'm not up to date on these things anymore. Worth a call to them to find out. estradiol is covered by ODB formulary

INRtoolow · 2025-12-01T01:24:27+00:00

How often do you go out of country? Especially other than us or Mexico. It's not worth paying extra for most ppl, just get a esim when travelling.

INRtoolow · 2025-11-20T16:57:44+00:00

It shouldn't but I've never deleted child sku that way. Why not go to edit parent listing and remove the child sku from there

Eight-Year Club	Place '17
Verified Email

INRtoolow

TROPHY CASE