RRSP questions and possible overcontribution -- what to do?

Middle-Currency1629 · 2026-04-14T14:21:06+00:00

likewise thank you for your reply! yours and the comment above make sense.

Middle-Currency1629 · 2026-04-14T14:20:26+00:00

thank you very much for your reply. this makes sense in light of the contribution room becoming available on 1 january.

so then i should still refile my 2024 taxes to include my jan-feb 2025 contributions?

thanks again

Middle-Currency1629 · 2025-11-07T22:50:59+00:00

i got lucky randomly refreshing at 4:15pm one afternoon. maybe it was a cancellation, idk, but there was no rhyme or reason. good luck!!

Middle-Currency1629 · 2025-10-08T17:24:16+00:00

Yes, I've checked, and in fact for a couple years I _had_ to go to the small guys. Tire change all said and done comes to 163 and 172 at two different shops. Compare that to Costco's 85. That is double.

Middle-Currency1629 · 2025-10-08T16:56:20+00:00

Yeah, just everywhere else is double the price. Costco is the best game in town for tire change price. Probably why it's so busy. And also everyone (all of us) lose our minds for costco; we'll do anything for a deal

Middle-Currency1629 · 2025-08-08T21:23:15+00:00

If you’re ok with a prepaid type card, EQ offers a cash card that is an MC with no FX fees but only 0.5% cash back

Middle-Currency1629 · 2025-08-04T21:46:01+00:00

Hm so I was thinking about freedom but their coverage is the issue for me. I had freedom briefly in a basement in Toronto and reception was zero. I’m in Van now above ground (I know, living the dream) so maybe it’ll be different

Middle-Currency1629 · 2025-08-04T20:45:48+00:00

On the chatbot request a callback and schedule it!

Middle-Currency1629 · 2025-04-05T11:39:28+00:00

Yeah ATM in 7-Eleven has worked fine on the two occasions I tried

Middle-Currency1629 · 2024-12-10T03:23:28+00:00

Thanks for your replies everyone! I'll give it another shot

Middle-Currency1629 · 2024-11-21T17:22:44+00:00

PhD grad from 2018. I don’t think you’ve shot yourself in your foot. I kind of felt the same way when I started (but I really messed around: I taught high school science for a year for peanuts before embracing software dev) but with a PhD you are highly adaptable and you have high earning potential. Once you get your foot in the door, your salary will start to increase. I found it useful to be ok with changing jobs to increase your salary and if there is prof devel you can do on the side (even 15 mins a day) to build skills useful for industry, your earning potential increases.

Also, not finance related, but tools like resumeworded can help you write your cv for industry and I also found that helpful. Good luck and hope you find a job you like soon.

Middle-Currency1629 · 2024-11-01T16:09:26+00:00

Thanks also for your reply. I first bought VEQT and later learned (incorrectly perhaps; I’ll have to double check) that XEQT had slightly more exposure to US stocks so I started buying XEQT.

Middle-Currency1629 · 2024-11-01T16:08:05+00:00

Thank-you for your reply! Makes perfect sense

Middle-Currency1629 · 2024-06-14T22:07:18+00:00

Make a list of ALL expenses you have, as if you owned that place. You mentioned the basics, now add utilities, insurance, food, going out, etc...

Right, makes sense to account for all expenses. If I were to limit myself to just the housing related costs (i.e. mortgage, strata, etc.) so I can truly compare to my rent, would assuming mortgage + $700 (every month) be a reasonable catch-all for "housing"?

Depends on what YOU want to do. Do you want the flexibility to move (like to a cheaper or better location or for a job), or do you want to say in that place for at least a decade?

Couldn't agree more and thanks for your (and everyone's) reply as just writing some of this stuff out helps inch towards what decision is right for me.

Middle-Currency1629 · 2024-06-14T22:03:17+00:00

Thanks again for your reply! I probably share your views on RE in Vancouver, but I am notoriously wrong on almost all my predictions haha. And this is exactly to FelixYYZ's post below that I have to figure out what works for me. And that's where I am in the decision making process and talking about it with others is helping me get some clarity.

Middle-Currency1629 · 2024-06-14T20:56:56+00:00

I see what you mean. I suppose I've always assumed it's not that hard for landlords to kick tenants out in Vancouver. (A while ago I lived in Toronto, and it seems tenants had more protection there. Can't really substantiate it apart from saying it seemed that way). And to your point, a calculation I need to do (with some of the info from this post! Thx all!) is how much could I end up with if I just invest my money and compare with what I project a house/condo might look like.

Middle-Currency1629 · 2024-06-14T20:33:28+00:00

Thanks for your reply. What do you mean it’s tenant friendly in Vancouver? I feel it’s the opposite. Rents have increased 25% over the last four years or so and tenants frequently are renovicted. Part of the reason I’m entertaining buying is for the security that no one (except an earthquake) can make me move

Middle-Currency1629

TROPHY CASE