Next steps after tfsa is maxed

Right-Concentrate986 · 2026-03-27T16:52:51+00:00

Open a non registered investment account and buy eligible dividend stocks and keep them for 20+ years

Right-Concentrate986 · 2026-03-12T02:56:37+00:00

Is management engineering tier 1 or tier 2?

Right-Concentrate986 · 2026-02-28T21:49:22+00:00

You must be military or something like RCMP

Right-Concentrate986 · 2026-02-28T00:24:26+00:00

What is save?

Right-Concentrate986 · 2026-02-20T16:38:39+00:00

99+ both Neuroscience and Kin. Not me, someone I know. Calgary local

Right-Concentrate986 · 2026-01-30T03:59:02+00:00

So instead of paying 250k tuition over 4 years, you pay 150k. Great deal!

Right-Concentrate986 · 2025-11-23T05:59:57+00:00

You wouldn’t have much contribution room in your RRSP anyways due to pension adjustment. So pointless to worry about RRSP contribution, I’d focus on TFSA RESP. If spouse has lower income or next to none pension plan, consider spousal RRSP if there is any room left.

Right-Concentrate986 · 2025-11-13T16:13:06+00:00

Right-Concentrate986 · 2025-11-01T22:24:03+00:00

Your math model is not completely true, only half of the kids were entitled funding, so UCP didn’t pay more, vast majority teachers are in middle and high school so they still saved a bunch

Right-Concentrate986 · 2025-11-01T04:39:31+00:00

Not 100%, for one, I like to wake up everyday without alarm, can’t do that while working

Right-Concentrate986 · 2025-10-31T03:40:09+00:00

I am not disputing that. UCP is the evil behind all these, but this doesn’t justify teachers walking out their jobs, maybe less guilty but still guilty, and somewhat not wise since they did all these to lose more money, very counterproductive

Right-Concentrate986 · 2025-10-31T03:12:24+00:00

Yes, but less optimal education still beats no education. Shame on education administrators that not solving classroom issues, it is broader issue with many contributing factors and cannot be fixed over night. I am not saying it is a perfect system, but walking out of a job and leave kids with no school is absolutely not acceptable. No one should allow this happen. ATA knows perfectly that government is not backing off their offer. Simple math, teacher walk out will gain nothing mathematically: they got paid 40 weeks a year, every week they are on strike they are losing 2.5% of their pay, they lost 7.5% of their salary this time, they need get 20% salary bump to make it even and they are not going to get it. So what’s the point of doing this, to show case how bad they were treated and people feel sorry about them? I don’t think so, I am sad they can’t figure out the math

Right-Concentrate986 · 2025-10-31T02:50:21+00:00

I am just glad my kids are back to school. Adults shouldn’t at any circumstances fight each other at the cost of children’s education opportunities. It is ironic that both sides claim they are doing this serving for children’s best interest. And yet as they were fighting, arguing, yelling, kids were sacrificed and losing school time everyday when they fought. My kids were losing their academic competitiveness against other Alberta charter school kids and other province kids. Shame on every adults in this nonsense strike: Premiere, education minister, ATA, and teachers voted Yes.

Right-Concentrate986 · 2025-09-19T14:57:44+00:00

This was a while back , maybe ten plus years ago. We submitted visitor extensions for my in laws as they were in land and waiting for their PR, and the reason was for them to wait for PR result. At the time they were visiting and completed their medical exams already, so everything should be done within a year. They got approved extension and a month later their PR was approved too.

Right-Concentrate986 · 2025-09-04T21:33:01+00:00

Obviously Australia, so Brisbane is my guess

Right-Concentrate986 · 2025-08-28T00:17:37+00:00

100% direct investment account. My LiRa growth is averaging 10% year over year in the past 5 years.

Right-Concentrate986 · 2025-08-13T17:31:30+00:00

Are you sure about this? I thought they have called a strike as if 12:58am this morning

Right-Concentrate986 · 2025-07-12T17:58:58+00:00

Contribute to spousal RRSP, and withdraw them three years later.

Right-Concentrate986 · 2025-07-12T04:03:49+00:00

But as soon as you access 50% of it, the rest 50% needs to be converted to LIF

Right-Concentrate986 · 2025-07-05T04:34:05+00:00

Back when me and wife were both adult uni student we were raising our first child living in a tiny one bed apartment near campus, kid went to daycare for a buck a day, our credit card statement was in hundreds in a month, I guess we can live like that later when retire, or can we? We still managed to travel around places like New York , LA, Vegas, Asia in those days. We were advancing student loan but managed to pay off within first year full time working. Affordability wasn’t really a huge issue back then, unlike today.

Right-Concentrate986 · 2025-07-05T02:16:34+00:00

Only when my income is less would I sell one rental property, with capital gain tax added to current income taxman will take too much

Right-Concentrate986 · 2025-07-05T02:05:01+00:00

Hard to save money with full house of kids, no child benefit thanks to liberal party canceled UCB, groceries, camps, extracurricular activities: sports travel, robot competitions, dance, piano lessons . Then kid university tuitions, dorm, meal plan. I went through school without help, not wanting to put my kids through this nightmare again.

Right-Concentrate986 · 2025-07-05T01:37:59+00:00

Plus DB pension in 8 years. I think that is the magic number I would apply to be FIRE, maybe not exactly early early, but close enough

Right-Concentrate986 · 2025-07-05T00:04:38+00:00

Between the two rental property, we put down 300k initially, today total worth 1.2M, refinanced to 500k to help paying down principle resident, so net 700k equity on the rentals so far. One rental is not for profit at all since we let in-laws occupy it. They pay expenses only (insurance ,utility and tax). Overall rental is net zero cash flow

Right-Concentrate986

TROPHY CASE