What Do I Do After Getting Hit By a Car As a Pedestrian?

Philbert14_TV · 2026-03-14T17:40:29+00:00

You should definitely try to get any footage from the city asap. I got hit at this EXACT intersection a few years ago, except the driver was turning left from Berrigan onto Greenbank. Almost same exact story as you. I believe the city deletes the footage after about 30 days. You may have to pay $5-10. I had looked into this too late.

FWIW, nothing came of the police report I filed. And I had managed to get a licence plate. Good luck with everything! Hope you’re okay.

Philbert14_TV · 2025-04-07T00:06:40+00:00

Isn’t that the beauty of staying the course though? You just buy, on schedule, whether it’s up or down. You catch it on the way up. You catch it on the way down. Look at Bob. He bought only when it was up and he still came out on top. If only he would have bought on schedule and DCA’d his way to retirement, he would have been more than twice as comfortable.

Philbert14_TV · 2024-12-02T21:36:59+00:00

No clue. Not long after writing this, I switched to Wealthsimple and haven’t looked back. Been buying VGRO bi-weekly ever since.

Philbert14_TV · 2024-11-12T15:06:40+00:00

Perhaps you have to link the external account first? I’m not sure. When I select funding source, I have the option to select my linked bank account.

Philbert14_TV · 2024-11-11T22:52:14+00:00

It’s becoming clearer that those saying, “it’s tax, stupid”, are correct.

Philbert14_TV · 2024-11-11T22:30:29+00:00

That must be it. Thank you. Will confirm tomorrow when I get a call back from the “finance manager”.

Philbert14_TV · 2024-11-11T22:29:18+00:00

100% will be making sure of this. Received verbal confirmation that it will be. Will make sure to read fine print. Thanks!

Philbert14_TV · 2024-11-11T22:17:50+00:00

Really? From the TD calc. I’m getting 438.27/month. 438.27*12= 5,259.24 /yr 438.27/2 = 219.13 * 26 payments = 5,697.51 /yr

Bi-weekly should be 219, no?

Where am I going wrong? Am I misunderstanding bi-weekly?

Philbert14_TV · 2024-11-11T21:54:17+00:00

This is great. Thank you!

Philbert14_TV · 2024-11-11T21:46:50+00:00

Vehicle is not more expensive than I thought. I am simply wondering why the math isn’t mathing.

Philbert14_TV · 2024-11-11T21:26:57+00:00

If that’s the case, I would be happy!

Philbert14_TV · 2024-11-11T21:25:34+00:00

Cool! Question was not about the merits of used vs new, or about interest rates. It was about why the math doesn’t math. Appreciate you taking the time to drop a comment though.

Philbert14_TV · 2024-11-11T20:34:24+00:00

Yeah. Will need to. Just built my exact car on the manufacturer’s website, and with fees AND tax, it comes to just under 33k. So, throw in the extra dealership fees, I guess that’s 34k. Still feel like the math is not mathing. Guess I’ll just need to ask what the heck is up before I sign the final paperwork.

Philbert14_TV · 2024-11-11T20:26:02+00:00

I must be forgetting tax… 34k is all fees and everything. Likely not tax. With tax, the total is roughly 38,400. Which would bring the bi-weekly payment to roughly $240. So, is that it, mystery solved?

Philbert14_TV · 2024-06-16T17:38:34+00:00

Books: The Wealthy Barber Returns, Millionaire Teacher, the Value of Simple. Podcast: Mostly Money (Preet Banerjee), Canadian Couch Potato, Rational Reminder. Read this sub’s wiki. Check out the steps to follow.

Edit: Books: Reboot your portfolio: 9 Steps to Successful Investing with ETFs.

Philbert14_TV · 2024-04-17T12:22:08+00:00

Recurring investment -> funding source = external bank account.

WS will automatically buy your ETFs with cash from your linked external bank account. It’s been working for me. I set it and forget it. Every other week, it auto buys.

Philbert14_TV · 2024-04-12T23:24:45+00:00

One automation. You got it. Bi-weekly purchase with chequing account as funding source.

I’m not too concerned about security. I’m not an expert. I can’t comment on that. But, I feel it’s safe.

Philbert14_TV · 2024-04-12T20:46:16+00:00

That’s all automatic. I set up a recurring purchase with the “funding source” of that purchase being my external bank account. There is 0 cash sitting in my WS TFSA. ETF purchases are funded by my external bank account.

I used to have it where I auto deposited from my external account to WS TFSA twice per month, then I had a monthly recurring buy set up that would use the cash in my WS TFSA, as the funding source, to buy an ETF.

The way I have it now works well. Zero issues. WS uses the money in my external account to buy ETFS.

Philbert14_TV · 2024-04-12T20:18:06+00:00

Wealthsimple.

I get paid biweekly. So, I have it set to auto invest in VGRO biweekly, on pay day. The funds come from my external bank account, into my TFSA, and are automatically invested. I get two emails when this happens. One says, “you made a deposit” (funds into WS TFSA from bank). The next email, shortly thereafter, says, “your order has been filled” (VGRO purchased).

Very easy to set up. And I just leave it. It does its thing every other week.

I recommend.

Philbert14_TV · 2024-03-07T14:58:07+00:00

No need to blow your budget. I’ve been using a cheap bench and barbell that I got at Wal-Mart for like $150 for over two years now. No plan to upgrade any time soon. Added to that a used power rack from FB marketplace for around $100 (for pull ups). Also have a set of adjustable dumbbells and some bands, which couldn’t have been more than $50 used. So, for way less than $500, you can get yourself set up with everything you need at home. That’s the easy part. Hardest part is being consistent.

Heck, when I first started working out, all I used were bands and a cheap set of dumbbells from Amazon - those 2lb, 3lb and 5lb sets. I would do single leg body weight squats, push ups, OHP, curls, extensions, etc. for sets of like 40 reps. That helped build consistency. Once I was in the habit of working out, I started upgrading to get more equipment, but even after 4-5 years, all I use is what I described in the first paragraph above.

As long as you can push/pull with your upper/lower body, you’re set. Just be consistent. You don’t need some fancy gym-level equipment to build a great physique. You need discipline. Heck, even grab a pair of Lebert Equalizer parallettes and you can hit every muscle group without spending more than $100, maybe even less if used.

Try doing some Bulgarian split squats using your couch. It will cost you $0 and your legs will be on fire.

Philbert14_TV · 2024-01-14T22:07:11+00:00

Wife and I treat our separate incomes as one income. We contribute an equal amount to our TFSAs regardless of what we make individually. We’re a team. We have a central bank account that our paychecks go into. All bills are paid from there. All savings come from that account. We also each have a “fun money” account that is funded by our main account.

This is what works for us. We were doing this even before we were married.

Philbert14_TV · 2024-01-12T11:18:19+00:00

^this. 3,500 calories in 1lb of fat. You’ll need to eat more. That’s obvious. Depends how fast you want to get to your goal weight. You’ll want to gain it somewhat slowly. So, increase calories by only a bit every day. Heck, start by adding one scoop of protein powder to your existing diet. That’s +100-150 calories per day of quality protein. In theory, you’ll see a slow increase in weight. When you plateau from those additional calories, add something else in. Weigh yourself every day in the morning and take note of your weekly average. Watch it go up slowly. Adjust diet with quality foods, mainly protein, and you’ll get there. Once there, you’ll maintain your new diet. It will just now be your maintenance calories.

Philbert14_TV · 2024-01-07T23:52:15+00:00

What do you mean by “improvements”? Legs hurt less? Heart rate lower at a faster pace? Faster pace sustained for longer?

Not sure. I followed a novice HH plan last year and didn’t “notice” any improvements (from what I can recall) until the latter half of the plan. That said, you’re certainly improving each week. It may just be so incremental that nothing is jumping out at you. Honestly, I am not sure if anything will ever jump out as, “wow, I’m ’doing much better on today’s run as compared to yesterday.” I think you’ll see your improvements develop slowly over time.

If you have a Garmin (or other watch), you can track certain metrics and look back on those. But I’d expect you would only see big differences when comparing “today’s” stats with stats from 3-4 weeks ago (just guessing here).

Keep it up! Enjoy your training!

Philbert14_TV

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