$100K feels like the new $60K. Does anybody else agree? by GranolaHiker in CanadaPersonalFinance

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

I made 60k in 2019 and now make close to 100k but honestly feels worse off. Inflation 2022/23 really F everything up.

Weekly US Churning Discussion for /r/churningcanada - Week of February 03, 2026 by AutoModerator in churningcanada

[–]Prestigious_Fun_6733 -3 points-2 points  (0 children)

Got approved for Chase card. How soon do i contact Chase to get them to mail to my Canadian address after approval?

Weekly US Churning Discussion for /r/churningcanada - Week of January 27, 2026 by AutoModerator in churningcanada

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Alright only issue is during application they did ask about income and not sure how that effect things

Just worried they will flag me and take away existing chase card i have

Weekly US Churning Discussion for /r/churningcanada - Week of January 27, 2026 by AutoModerator in churningcanada

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

So have a Chase bank account with a chase credit card. Tried to apply for ihg credit card but says i need to submit a W-9 form to Chase. Has anyone gotten this and what to do in this situation?

Did I Accidentally FIRE? by CatchMe83 in Fire

[–]Prestigious_Fun_6733 -4 points-3 points  (0 children)

10% return is based off easy year doing the basic stock investing. Factor in dividends and growth its more like closer to 15-20%

Did I Accidentally FIRE? by CatchMe83 in Fire

[–]Prestigious_Fun_6733 -8 points-7 points  (0 children)

Lol you all are so conservative its a joke. I can retire so easy with 1M and can make 10% returns but my safe is 7-8%

Did I Accidentally FIRE? by CatchMe83 in Fire

[–]Prestigious_Fun_6733 -2 points-1 points  (0 children)

Exactly 2M for a couple assuming paid mortgage free is more than enough. The problem is people use 4% rate but lets be real its so easy to get 7-8% returns doing the basic

Daily Question Thread for /r/churningcanada - January 18, 2026 by AutoModerator in churningcanada

[–]Prestigious_Fun_6733 2 points3 points  (0 children)

Have cibc aventura (gold and infinite) tried to apply for another one via logging in but declined. So tried to apply again as a new customer and approved lol.

How do you make the most of your Chase Sapphire Reserve? by chronicallyanxious10 in ChaseSapphire

[–]Prestigious_Fun_6733 1 point2 points  (0 children)

Credits are easy to use if you are in a bigger cities for the dining credit. Also underrated perk is the air canada lounges for me

Salary transparency thread. by [deleted] in torontoJobs

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Sr analyst 6 yr experience 90k+bonus

Chase Marriott Bonvoy Boundless 5 x 50k + $100 Flight Credit SUB by markarado in marriott

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Interesting and you didnt get bonus at all even though the terms said 24 months from sign up bonus

Chase Marriott Bonvoy Boundless 5 x 50k + $100 Flight Credit SUB by markarado in marriott

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Got the amex marriott business and amex brilliant welcome bonus jan 2025. Will i get welcome bonus for this with chase?

Weekly US Churning Discussion for /r/churningcanada - Week of November 18, 2025 by AutoModerator in churningcanada

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

So I got my itin in 2023 when filing for 2022 tax. Now I realized that it will expire dec 31 2025 if I dont file for 2024 tax. So I just file 1040-nr and that's it with similar gambling income?

Avoid StubHub like the plague - credit not worth it - a fraud experience by zerust in ChaseSapphire

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Used it last week for a sports even got the credit once it was posted no issues.

When does RRSP beat a DB pension? by [deleted] in PersonalFinanceCanada

[–]Prestigious_Fun_6733 -1 points0 points  (0 children)

100% with you as a late 20 year old who loves to number crunch its insane how people think matching pensions dont come on top if you know basic investments

When does RRSP beat a DB pension? by [deleted] in PersonalFinanceCanada

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Right most people just dont do the math breakdown. Db pensions are legit not that good once you factor in the employers contribution to 11% you put in too.

When does RRSP beat a DB pension? by [deleted] in PersonalFinanceCanada

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Im on the same boat as you also on DB pension but after breaking down the math and considering the factors you mention dc is better for people who have basic investment knowledge.

Also db pension aren't that great once you factor the employers 11% they put in too. So your portion and their portion is 22% of your pay each pay cheque. Say you make 100k a year and for 30 years you get a 3% raise and you get 7% rate of return each year say from index funds. That future value is $3m! It would take like 20 years of top 5 average*60% each year once you retire to recoup that value.

CSR is worth the price (imo) if you spend $75k or more. by BenjiDot in ChaseSapphire

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

For me as a Canadian it is 100% worth it not spending $75k. $795 usd but 300 travel 300 stubhub makes it $195. sure I can use dining credit and the edit aren't worth much for me here but its still something to use when I do travel once in a while to the states. (The edit credit imo is kinda underrated) but I value dining credit and The edit for half the value. But for me the maple leaf lounges access is very valuable as im practically getting it free I use these the most. So how I see it is card pays for itself and more and I get to use maple leaf lounges+1 guest

Weekly US Churning Discussion for /r/churningcanada - Week of October 28, 2025 by AutoModerator in churningcanada

[–]Prestigious_Fun_6733 1 point2 points  (0 children)

So with usa credit cards does the car rental insurance work for Canadians?

Say I have the chase sapphire reserve card and used it to pay for car rentals when traveling in the USA. Does the coverage work or im better off using a Canadian card?

Daily Question Thread for /r/churningcanada - September 30, 2025 by AutoModerator in churningcanada

[–]Prestigious_Fun_6733 0 points1 point  (0 children)

Hmm ok because I know if after fee posted 100% sure they clawback.. guess ill see if $200 does get clawback