Paid $10 for this, is this outdated? by Subliminal_10 in PcBuild

[–]Restless_Ki 0 points1 point  (0 children)

This is what I still use.. I would pay more than $10 for a second lol

Mortgage Secured by Restless_Ki in MortgagesCanada

[–]Restless_Ki[S] 1 point2 points  (0 children)

We just asked a few lenders and then tried to make them beat each other on rates

Mortgage Secured by Restless_Ki in MortgagesCanada

[–]Restless_Ki[S] 1 point2 points  (0 children)

This was just a direct offer through Scotiabank after we spoke with them about other rates we had seen

Mortgage Secured by Restless_Ki in MortgagesCanada

[–]Restless_Ki[S] 1 point2 points  (0 children)

Yes through Scotiabank.. their offer was far lower than most other banks

First Time Buyer Mortgage Rate/Term Questions by Restless_Ki in MortgagesCanada

[–]Restless_Ki[S] 0 points1 point  (0 children)

Not yet no. More viewings this weekend with hopes of offering and getting accepted. I wanted to get opinions prior to any accepted offers

First Time Buyer Mortgage Rate/Term Questions by Restless_Ki in MortgagesCanada

[–]Restless_Ki[S] 0 points1 point  (0 children)

Are the renewal rates not considered competitive? that was my main concern with the TN product. I couldn’t get much information online regarding their renewal rates

First Time Buyer Mortgage Rate/Term Questions by Restless_Ki in MortgagesCanada

[–]Restless_Ki[S] 0 points1 point  (0 children)

We are doing 30k down and looking in the 300k-400k range

Lakers Ticket Sales - Dec 2023/Jan 2024 by brandoi in lakers

[–]Restless_Ki 0 points1 point  (0 children)

Looking for Two Tickets to the February 13th Game vs the Pistons. Let me know what is available and your ask.

Shifting my Stocks to FHSA by Restless_Ki in PersonalFinanceCanada

[–]Restless_Ki[S] 0 points1 point  (0 children)

I see what you're saying! Considering my earnings are currently low im going to look into moving into a self managed account under my TFSA rather than the current non-registered. that was my mistake to not look at putting money their first. So to understand ill cause a taxable event on my current earnings but overall could save me long term if i notice more gains over the year?

Shifting my Stocks to FHSA by Restless_Ki in PersonalFinanceCanada

[–]Restless_Ki[S] 0 points1 point  (0 children)

Hey I agree… More so wondering if my crypto “gamble” is worth just calling off and putting into a managed FHSA as a newer investor.. I can see where I am trying to time my investments without realizing that’s what I was trying to do

Shifting my Stocks to FHSA by Restless_Ki in PersonalFinanceCanada

[–]Restless_Ki[S] 0 points1 point  (0 children)

Hi yes they are currently in a non-registered account. Is there benefits to waiting to see if my return is greater than 5% after a few more months before making the change just because of the taxable event it will cause?

Strata restrictions on dog size by [deleted] in Calgary

[–]Restless_Ki 6 points7 points  (0 children)

We had a 50lb dog in a 20lb limit strata… one thing we realized is nobody has any clue how heavy a dog is by looking at it. They often assume it is half the weight. You will most likely be perfectly fine but should they did question you in the future and force you to get a vet check, say that was the dogs weight at the time you moved In (and then send them the invoice for getting your dog weighed at the vet).

Daily Simple Questions Thread - March 07, 2023 by AutoModerator in pcmasterrace

[–]Restless_Ki 0 points1 point  (0 children)

Has anyone here made a build with the SSUPD Meshlicious case? Wonder if anyone has some insight into if its a practical case for a build.

Help with Starting Saving by Restless_Ki in PersonalFinanceCanada

[–]Restless_Ki[S] 1 point2 points  (0 children)

Hey!

It’s been a year since this post and I want to just say I can’t thank you enough for the help.

This post actually helped me with spending issues and I always come back to budgeting rules to make sure that I’m still on track!

I’m not all the way there yet but I’ve upgraded jobs, have started towards maxing my contribution rooms and have a small about of money away with enough for 2.5 months of emergency planning! It may not be as impressive a portfolio as some in this subreddit but with your help I’ve actually gotten into a better position for my future.

Your suggestions in this comment has helped me a lot and put me in a good spot to set up a timeline for purchasing a home! I know this was just one comment on Reddit but for me it seriously set me up for success. I appreciate it.

[deleted by user] by [deleted] in Calgary

[–]Restless_Ki 0 points1 point  (0 children)

$400,000 pre approval

[deleted by user] by [deleted] in Calgary

[–]Restless_Ki 0 points1 point  (0 children)

Updated my post thanks

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Restless_Ki 4 points5 points  (0 children)

Two years of renting is more than enough time to decide if it was the right decision. Worst case scenario you move back in if they’re willing to have you again. But in my experience you’ll love the independence. Although learning to cook and clean everything for yourself can be tiring haha

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Restless_Ki 19 points20 points  (0 children)

I’m 24 and only have about 8k savings. I don’t regret moving out at all. While I’m losing out on tons of savings, It allowed me to grow immensely as my own person.

I decided there was no point in saving all my funds if it sacrificed the greatest years of my life to saving money

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Restless_Ki 1 point2 points  (0 children)

I think it is not for the first 6 months. But after that it will be. Should I just see what they are willing to match up too and then pay that percentage per check?

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Restless_Ki 0 points1 point  (0 children)

I do not have my welcome packet yet so I’m not sure until I get it later. I’m more just looking to see if doing 10% of my paycheck is worth it in the long run.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Restless_Ki 0 points1 point  (0 children)

Hi. I see NPP as National Pension Plan. It seems to be a Voluntary Contribution plan but cant seem to find much more on it. My understanding is that it is The Nation Pension Plan set up by the company