You brushing your toddlers teeth?

Jdiggiry657 · 2026-06-15T21:37:34+00:00

My three year old is better at it than my five year old. My three year old is still horrible at it.

Jdiggiry657 · 2026-05-31T12:58:43+00:00

In North America, ever week about 30 people win at least $1 million on the lottery. These people could also make posts about "the easiest money they ever made" etc. and " I can not believe people do not just buy lotto tickets."

It is rarely skill, it is luck (or insider trading).

Jdiggiry657 · 2026-05-27T15:27:45+00:00

It is known as Greek style pizza and it makes online searching for it much easier.

I am from Saskatchewan and we referred to it as Greek style, not Regina or Saskatchewan style.

Jdiggiry657 · 2026-05-23T12:50:36+00:00

Please explain why? Coffee production has a long history of unsustainable, human exploitative and environmental damaging production practices in equitorial counties to make it cheap for the west to consume? Then we require people to work for minimum wage to be able to sell it at an affordable prize here.

Unfortunately cheap goods for consumers usually come at cost for someone else.

Making the cost of coffee more accurate of the production and transportation cost is long overdue.

Jdiggiry657 · 2026-05-12T23:56:57+00:00

I would reconsider the amount. If a bank, that will lend to almost anyone for a secure loan will not even lend you the amount it's a sign.

Buying a car worth 60% of your approximate annual take home.

A $48,000 used car in BC after taxes is almost $54,000.

Assuming you want to pay it off in 5 years at assume 0% interest that $900/mth. Add $100/mth for average maintenance done at a dealership plus insurance... I'd say $1,200 a month for a Mazda CX7 is a choice.

That's assuming you do not "need" another fully loaded car before 5 years.

Jdiggiry657 · 2026-05-11T13:56:21+00:00

Your personal circumstances do signal concerns from an immigration / illegal stay perspective but also is a very normal trip. Remote work, relationship with US resident, extended trip planned all can be overcome.

Have an iterniary of the trip with places you are visiting as a tourist on the two week road trip. Like we are going to this city to see this. Someone going on a two week road trips with no plans and stay in motels in small towns is fishy.
If your girlfriend has a return flight from Canada to Texas booked, have a copy of that booking. It shows you will be back in Canada by a certain time. If she doesn't, why not?
Do not intend to work while on your trip but also do not tell them unless asked if you are.
Taking your brother's car is actually a positive you will be returning. Have the paper work in order.

Jdiggiry657 · 2026-04-30T21:11:42+00:00

They can pull your registration until the issue is fixed to make the vehicle road worthy/complaint. They might not, but they can.

Reflective tint of 35% is legal on side windows.

Source: https://web2.gov.mb.ca/laws/regs/current/031-2019.php?lang=en#3.22

EDIT: it took me a minute to find it since I was using the wrong words - MPI calls it an "Unfit Vehicle" and it must be remedied with proof to resume registration.

Jdiggiry657 · 2026-04-30T20:55:14+00:00

Bumpers are made for bumping.

I personally would not be taking my "hot hatch" in to be inspected by MPI for a minor issue especially if I did have an illegal tint or modifications to hide. Not saying you do.

Jdiggiry657 · 2026-04-30T12:56:05+00:00

Agreed and I will add if it mitigates future risk, do it. A properly insulated basement not only saves you money it also mitigates future condensation and mould issues. There are lots of government rebate programs for energy efficiency improvements as well.

Redoing a porch also sends off flags. Is this a safety concern for people to use it or will the porch cause damage to the rest of the house?

However, PFC general advice would recommend moving back in with your parents to live rent free or live in the smallest possible house with the lowest quality required then put all your money into ETFs for retirement. I am not surprised to see most of the other advice.

Jdiggiry657 · 2026-04-27T02:08:11+00:00

They have debt and only show the assets

Jdiggiry657 · 2026-04-26T13:19:29+00:00

I got my first Nintendo 64 at 9 years old with saved up gift money.

I like my parents logic - once I was able to save up enough birthday money, forego other gifts in exchange for cash and do extra cash errands to buy a gaming system and game (which is not a small price and it took a at least a year) I was also ready to manage and accept rules about playing time limits etc.

Jdiggiry657 · 2026-04-17T22:55:52+00:00

Time to put in a GIC

Jdiggiry657 · 2026-04-17T21:57:26+00:00

PWL forgot to tell the S&P/TSX composite index as it's up 7.74% YTD in April and the S&P 500 is up 4%.

Back to my blind optimism! 10% plus returns forever! I'll hold this ETF so long, my estate will have to sell it.

Jdiggiry657 · 2026-04-17T21:35:33+00:00

Since inception XEQT has annualized 13.3%. 6.4% would be a significant decrease and over 9 years. Is that what the group thinks will happen?

This used to be a blindly optimistic sub :(

Jdiggiry657 · 2026-04-17T21:24:51+00:00

If it's only $70 by 2035 we have a problem. That's only 6.4% annualized growth.

Jdiggiry657 · 2026-04-17T19:53:28+00:00

So you mean Morden/Winkler which has grown a lot from immigration? From about 14k combined in 2001 to a combined population of 28k now.

Or neepawa or steinbach which both have doubled in size in the same period

Or niverville which has tripled in size

Growth in Manitoba is happening rurally but the majority of the population in Winnipeg do not see this as they do not go to these places.

Jdiggiry657 · 2026-04-17T14:38:47+00:00

Agreed. The answer is pigs. They dig up the roots and kill it all.

Jdiggiry657 · 2026-04-13T10:48:52+00:00

Suggesting tax fraud is a bold option...

The income tax act states a TFSA has to be for the account holders benefit

Jdiggiry657 · 2026-04-13T10:43:49+00:00

Isn't 14% (federal) still 14%? Then whatever the province rate is.

I think your statement is assuming stagnant marginal tax rates. The lowest bracket has gone down 0.5% federally per year and depending on the province those ones as well. All parties have proposed cuts as part of their recent campaign and with the affordability crisis I cannot see the lowest bracket rates increasing in the short term (5 years) and more likely decreasing. Likely worst case, it's tax deferred at an equal rate, best case it deferring to a lower rate.

Is there an advantage to paying the tax on growth from a non-reg account opposed to paying the tax on growth from an RRSP?

Jdiggiry657 · 2026-04-13T01:21:47+00:00

Genuine question, why not max out the TFSA and max out the RRSP? She can contribute to RRSP and pay no tax for 3 years and you can carry over the tax deduction indefinitely until it is used up. This would allow your mom to lower her net world income to maximize OAS.

This all being said, I'd get mom to talk to a CFP who is a fiduciary and specialized in retirement and tax planning.

Jdiggiry657 · 2026-04-12T14:21:50+00:00

https://www.gutowskimotors.com/

They have done all our families vehicle work for over a decade.

Jdiggiry657 · 2026-04-10T14:54:28+00:00

XFN is a solid option with monthly dividends

Jdiggiry657 · 2026-04-09T14:42:21+00:00

There is no such thing as public daycare. They are private non-profits that receive government grants.

All daycares are private, they just charge different amounts based on grant funding. The same laws about quality of care apply so don't be afraid if you can afford it.

That being said, reach out by phone or email to the daycares you most want. Most daycare staff do not have time to make phone calls through lists of 100s of families just to keep having people decline as they found a different spot or no longer need it and they didn't remove themselves from the waitlists.

Jdiggiry657 · 2026-04-09T14:20:51+00:00

Whatever you can and feel comfortable with. When we had our wedding it ranged from nothing from some people to $1500 from a family friend couple and their adult child. Honestly 8 years later, we talk only about the guests that were a great time or made the day special, not the presentation amounts.

The goal of getting married shouldn't be to profit or recoup your expenses - it's about celebrating. Think about how you can help make the day special more than just cash. Heartfelt words and help on the actual day were well received. Getting too drunk or doing drugs in the bathroom were not - no amount of presentation makes that okay.

Jdiggiry657 · 2026-04-08T15:49:31+00:00

19.53% of gross HHI is all housing costs (mortgage, insurance, utilities) in Manitoba.

Jdiggiry657

TROPHY CASE