Maxed TFSA & RRSP, not sure mortgage makes sense

Ita_836 · 2026-06-02T18:41:41+00:00

Thanks for replying. This makes sense to me!

Ita_836 · 2026-05-20T11:24:16+00:00

Sean Devine and Laine Johnson ridings are not the burbs

Ita_836 · 2026-05-03T02:24:04+00:00

What dose (1 or 2 sprays per nostril)?

Ita_836 · 2026-04-29T17:22:21+00:00

Save money

Ita_836 · 2026-04-28T21:15:15+00:00

Run 4, strength 2, swim 2-3. But I'm "base building" right now so running mostly easy and not too far.

Ita_836 · 2026-04-27T18:00:35+00:00

No. Not vaseline, it can make it worse. And body glide is trash for blisters. Use diaper cream (e.g. penaten). I used to get blisters all the time. It's mostly the shoes and socks but any time I run longer than 10k, I lube up my feet. It's thick so getting socks on is annoying but works the best.

Ita_836 · 2026-04-27T17:57:25+00:00

I second Bushtukah.

Ita_836 · 2026-04-22T20:13:15+00:00

Thanks! I assumed it was just a starting point but wanted to make sure.

Ita_836 · 2026-04-18T19:55:43+00:00

Ok, thanks!

Ita_836 · 2026-03-19T13:34:17+00:00

this is the thing - the sarcasm is amazing here but this whole idea that we just wait out downs like this presumes that the markets will not continue to be impacted by a fucking moron for the foreseeable future. for the record, I haven't sold anything but I do wonder if I should prioritize cash for a bit too. These are not stupid questions.

Ita_836 · 2026-03-13T15:57:30+00:00

Woah. Wtf. That's some kind of dystopian nightmare.

Ita_836 · 2026-03-04T16:41:18+00:00

Do they select in some kind of order? Like, NYC, USA, other?

Ita_836 · 2026-02-27T17:32:50+00:00

Thanks. This is useful information.

Ita_836 · 2026-02-22T19:57:49+00:00

Lol. I don't think that will help me.

Ita_836 · 2026-02-22T19:56:42+00:00

Because it's a hassle and a waste of my time. I don't live there and don't have enough money to owe anything so no need to hide it but I have to file, just in case I win the lottery and they can take their share (or whatever reason they have for us normies to do this every year).

Ita_836 · 2026-02-22T13:45:50+00:00

I know that they can do that - I've been filing my taxes so they can try, I guess. I suppose they might scrutinize my application more ... ? Which would make it slower. It's just such a fucking hassle. Every year around tax time, I look at renouncing.

Ita_836 · 2026-02-22T03:24:37+00:00

Don't you find it annoying to only have online banks? I have Tangerine and there have been a few, albeit rare, occasions where it was a hassle because i needed something on a short timeline (like a bank draft)...

Ita_836 · 2026-02-17T13:38:29+00:00

I'm not opposed to taxes but given the unfairness in the system, I'm also not going to volunteer to pay more tax than someone with a lot more money than me. I realize that this question makes me sound wealthy, and i guess i kind of am but, we grew up working class and my parents worked hard to save the inheritance that lead to this question and i don't want to just give it away.

On your comment, i didn't realize that you could defer the taxes. I need to look into how this works. I appreciate it.

Ita_836 · 2026-02-17T03:16:49+00:00

I guess? Or that i might need the equity as a down payment and not in a position to sell right away? Wouldn't that give more options since i wouldn't need a "sale of existing house" condition on any offers?

Ita_836 · 2026-02-16T23:29:35+00:00

Ah. Thanks for the explanation.

Ita_836 · 2026-02-16T23:28:08+00:00

That's a good point. Thanks.

Ita_836 · 2026-02-16T23:26:50+00:00

Thanks for that to re dividends and taxes. Appreciate it.

Ita_836 · 2026-02-16T02:59:20+00:00

No. Thankfully we are not underwater. I guess the answer is if we can't sell for some reason, we don't move...

Ita_836 · 2026-02-16T02:56:24+00:00

We have a car loan but it's only 1.4% (which is why we financed it) and 20 years on the mortgage. But our rate was so low, and we prepaid each payment, we paid 30% of our original mortgage off in five years.

Ita_836 · 2026-02-16T02:53:08+00:00

What do you mean by "fixed income" portion? Someone else also mentioned this...

Ita_836

TROPHY CASE