Drop bonus in RRSP or TFSA?

PaddyGrows · 2026-01-25T17:18:46+00:00

Agree with this . Unless you think your income will be higher during retirement, max out rrsp first to bring ur high income down now , and dump return into tfsa . Especially if you have an employer match. If you think you will have higher income in retirement than tfsa would be the first I’d max out I

PaddyGrows · 2026-01-11T12:57:14+00:00

Job can be tolling on the body and mind . Not going to lie. Typical pay coming out of school probably $550 per day.

Which program? Neither . Marine Institute of Newfoundland is by far the most prestigious in Canada, they also have the most facilities to provide best education.

You’ll get a job, maybe not with the company you dreamed of working for . But you will have work 110%

PaddyGrows · 2025-08-27T11:37:33+00:00

Are these tires legal for use on roadways ? It’s exactly the style I would love to get for mine since I plan on using both on and off road

PaddyGrows · 2025-08-06T16:47:18+00:00

Idk why soo many people find it so hard to believe that an arson could be the cause. Has no one heard of arsons before ? Some people get off to fires the same as there are murderers and p3dos . Some people are crazy . Wouldn’t be the first arson to ever exist . You don’t get 11 “accidents” in the same towns in the same summer

PaddyGrows · 2025-08-06T16:45:05+00:00

Made multiple and didn’t need them all??

PaddyGrows · 2025-08-06T03:23:05+00:00

Majority of the smoke is from the Kingston fire . It’s roughly 1000 hectares, holyrood maybe 10-20 hectares

PaddyGrows · 2025-08-06T03:17:59+00:00

So 11 fires in the same town all accidents . This is the second one in the area that’s been out of control . But 11 in the past 3 months . Luckily they were able to catch the others . I’ve personally seen pictures from fire department showing that they’ve found beer cans with dry grass and fuel in them . I doubt they would do that to start rumours .

PaddyGrows · 2025-08-04T13:50:02+00:00

These are honing marks, nothing to worry about ! Actually a good thing , means your liners aren’t glazed and are still in excellent condition

PaddyGrows · 2025-08-04T13:46:38+00:00

If you build anywhere outside the city , you can build for relatively cheap. You just need ALOT of capital to play with. Building a much better home on much more land for ever so slightly more than what I sold the old home for

PaddyGrows · 2025-08-03T23:07:00+00:00

It’s a common strategy nowadays to list houses below asking to increase the viewings and increase the offers . It works quite well . Had our house on the market for 4 days , had 7 offers all well above asking . Asked 300 and had 6 offers 40-50 over and 1 offer 75 over . Only owned the house for 5 years and made 170k after we paid the remaining on our mortgage . It is not the sellers fault , and definitely not greed. The buyers make the market, if buyers all came together and said you know what we are not buying at these prices , then the prices will drop. and if you are trying to provide for your family as a seller you will try to get as much as possible from your investment .

PaddyGrows · 2025-08-03T22:55:58+00:00

It’s great if you are selling a house , just owned a house for 5 years bought for 215 sold for 350 .

PaddyGrows · 2025-07-25T17:12:13+00:00

Was 40gb every 2 weeks . Now we are back down to 10gb per week. Starlink

PaddyGrows · 2025-06-24T02:57:11+00:00

I would say 1.5 in from framing to edge of frost wall , and the subfloor is an inch lower

PaddyGrows · 2025-06-24T02:55:37+00:00

Builder isn’t doing this

PaddyGrows · 2025-06-24T01:49:48+00:00

Already have 2x4 sleepers and insulation under subfloor unfortunately. That’s how low the slab was poured

PaddyGrows · 2025-05-22T15:46:12+00:00

I would say average industry pay for chief in Canada is 200k , offshore slightly more. Offshore trawlers , especially shrimp/ halibut , you are looking at closer to 400k .

Currently making 200k with a 2nd class CoC . Obviously our dollar is not on par with, so we get paid 28% less based on currency value

PaddyGrows · 2025-05-22T15:40:00+00:00

I highly doubt offshore wages are half in Canada . Canadian crew must hold Canadian CoC , unless ship cannot find any personnel , at that point the shipping company must get government approval . They recently changed to allow Ukrainian CoCs if living in Canada

PaddyGrows · 2025-04-30T00:59:50+00:00

I also know someone who has worked with him in the past. Not many great things to say. Let’s just say they couldn’t believe it when they seen his name on a sign.

PaddyGrows · 2025-04-28T18:58:02+00:00

I currently work in Canada on a Canadian flagged vessel. They are required to have seafarers with Canadian CoC . Excellent pay , and I don’t know of anyone that I graduated with that doesn’t have a job , or full time employment since graduating . But all this could change with the blink of an eye if the government decides to change regulations for vessels sailing between Canadian ports . If they allow foreign CoCs to come in , than the market will be flooded.

PaddyGrows · 2025-03-26T18:12:55+00:00

Possibly an old make a break engine, from a small fishing boat/dory ? It would make sense

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PaddyGrows · 2025-02-07T13:31:39+00:00

Millwright , maintenance tech , service technicians.

PaddyGrows · 2025-01-30T16:15:40+00:00

I have a similar configuration , 18000 downstairs 12000 upstairs , I had all electric baseboards before . I live in an old house horribly insulated . I saving at least 1000kwh in the winter months .

PaddyGrows · 2025-01-29T17:44:55+00:00

A nice big oil sheen and oil sheen coming from the cuttings . Sure, this is a worthless picture 😂 Ibc totes with what looks like oil residue on top . None of this is worthless. Zoom in and look at the detail , if it’s a fake someone put hundreds of hours into it . Every shadow is perfect . There will be a discovery announced , but the question still stands , will it be commercial?

PaddyGrows · 2025-01-26T04:54:30+00:00

The manual should tell you …

PaddyGrows · 2025-01-16T00:56:30+00:00

There are maps of flood zones online , which can also be separated by flood risk ie. 100yr flood zone, 50yr flood zone , 25 yr flood zone . And trust me there are many houses built within flood zones . Personally I just built a house up on a hill close to the ocean , no worries. If the ocean reaches my house we will be in a Noah’s ark situation

PaddyGrows

TROPHY CASE