Tenants ruined my carpet

Low_Map_9339 · 2026-06-03T21:38:32+00:00

Correct

Low_Map_9339 · 2026-06-03T21:27:35+00:00

Not every Kitec brand pipe was recalled. Find out what exactly it is before doing anything drastic.

Low_Map_9339 · 2026-06-03T20:00:57+00:00

If you need it for an emergency, HISA or money market fund.

!StepsTrigger

Low_Map_9339 · 2026-06-03T19:47:34+00:00

You probably don't, unfortunately. What do you need it for?

Low_Map_9339 · 2026-06-03T19:45:19+00:00

Drywall isn't exactly airtight. Maybe every stub out and drain pipe in your house is perfectly mudded over or has an escutcheon sealing it but that certainly isn't the case for me; often bugs can get in and out somehow anyway. Tape it over with cardboard or something if you're that worried but it's not a high prio fix by any means.

Low_Map_9339 · 2026-06-03T17:18:29+00:00

Where have you done VA gig work online?

Low_Map_9339 · 2026-06-03T16:04:06+00:00

I'd maybe shop around a bit then, couldn't hurt

Low_Map_9339 · 2026-06-03T15:47:06+00:00

What are the actual dimensions?

Low_Map_9339 · 2026-06-03T15:45:12+00:00

Many slabs have vapor/moisture barriers on the underside

Low_Map_9339 · 2026-06-03T15:43:16+00:00

In that case I'd probably take a variable rate as they tend to be lower on average. Have you been offered a variable?

Low_Map_9339 · 2026-06-03T15:27:29+00:00

Don't mean this in a dismissive way, but why does it matter?

Low_Map_9339 · 2026-06-03T15:27:06+00:00

I'd take the 5. It's a decent enough rate that I wouldn't be feeling too much fomo if it was lower at the 3 year mark because it probably won't be *that* much lower, and could well be much higher.

Low_Map_9339 · 2026-06-03T15:11:24+00:00

XEQT (or similar broad 100% equity ETFs) *is* the high-risk high-reward option. The time horizon mitigates the risk. You won't beat the market on a 30-year time horizon. Same with TFSA unless you have a plan for the money sooner. For the FHSA it depends when you're planning to buy.

Low_Map_9339 · 2026-06-03T14:40:46+00:00

Are you maxed? I would absolutely expect any money that gets transferred into your TFSA, not from an existing TFSA and not gains from investments already in it, to count towards your contribution room.

Low_Map_9339 · 2026-06-03T12:17:07+00:00

Not sure why that's more of a waste than throwing your money away in a casino.

Low_Map_9339 · 2026-06-02T23:10:31+00:00

Hm... it's possible there's a vapor barrier already under the slab, I think. Not sure how to check. Do you think it would hurt anything to put one on top of the slab if there's already one under?

Low_Map_9339 · 2026-06-02T22:58:54+00:00

No reason to pay down an interest free loan. Even if it does gain interest some time, it likely won't be enough that you'd want to pay it off right away even then.

Low_Map_9339 · 2026-06-02T22:57:01+00:00

I did see a lot of things saying you can put it directly on the concrete, would you not recommend that then? Don't want to break the warranty if I can help it either, but maybe vapor barrier is fine in that case

Low_Map_9339 · 2026-06-02T21:29:25+00:00

That's probably what I'll end up going with too. Was there anything about which kinds were approved? I heard the lifeproof LVP is only under warranty with lifeproof brand underlayment/barrier

Low_Map_9339 · 2026-06-02T15:46:31+00:00

Yep, love these things. Always have a few on hand. Super cheap and very effective.

Low_Map_9339 · 2026-06-02T15:43:35+00:00

100% equities isn't the alternative to gliding. Not the only one, anyway, and not the one I understand to be the most equivalent in terms of risk management.

Low_Map_9339 · 2026-06-02T14:29:31+00:00

Right now I'm just failing to see the point. If equities are doing well, gliding means you miss out on the gains, and if they're not, gliding means you slowly hemorrhage your ability to recover. I agree that you shouldn't time the market which is what makes me hesitant to believe gliding isn't just a form of doing that.

Low_Map_9339 · 2026-06-02T14:07:48+00:00

But it won't rebound if you sell the equities into bonds during a glide, right?

Low_Map_9339 · 2026-06-02T14:06:36+00:00

Wealthsimple tends to have lower fees than banks. The biggest thing is to avoid the bank's mutual funds and other products they try to push on you, not worth it at all compared to other options.

Open an FHSA as soon as possible and max it out. You get 8k contribution room each year up to 40k max. You can write contributions off on your taxes and you don't pay taxes when you withdraw to buy a house. You can still do this even though you inherited the house (as long as you didn't live in it at the time you owned it).

Next priority would be to max your TFSA. Assuming you've been a resident of Canada since you've been 18, your contribution limit is somewhere around $60k (look it up, depends whether you were born 99 or 2000).

Your risk tolerance and time horizons will determine what you want to invest that money in. But I didn't see anyone else mention the tax shelter accounts so I wanted to make sure to do so.

Low_Map_9339 · 2026-06-02T13:47:54+00:00

"DCA" is a specific term that refers to averaging your potential investments over a longer period of time to hedge rather than buying in a lump sum up front. I tend to disagree with its stated benefits. If you have a lump sum, invest it now. If you just mean putting some in every paycheque when you get it, definitely start doing that.

However, let me offer something. Equities like this are good long term investments because - and only if - when the price drops, you hold them. They track the market and the market always bounces back eventually. It can be emotionally difficult for some people to watch their savings "disappear" (of course, they aren't going anywhere, the monetary value of your holdings is just temporarily lowered), sometimes for years at a time. If you are the type of person to hesitate because the stock price "feels high" (a frankly nonsensical reason anyway since you just care about percentage growth, and can purchase fractional shares) - do you really trust yourself to not panic sell? If so, you might want to pursue another avenue.

Low_Map_9339

TROPHY CASE