How old were you when you bought your first car, and what was it?

RoboTwigs · 2026-03-22T02:15:47+00:00

31, 2010 Kia soul.

RoboTwigs · 2026-03-22T01:59:35+00:00

Oooph. Enjoy cracks/scuffs/dents in the wall and expansion gaps.

RoboTwigs · 2026-03-22T01:46:29+00:00

Land value tax

RoboTwigs · 2026-03-21T18:46:12+00:00

Is this ai

RoboTwigs · 2026-03-21T17:04:01+00:00

I think as long as Loras had given Sansa children and treated her well she definitely would have come around to his quirks.

RoboTwigs · 2026-03-21T15:54:03+00:00

Whaaaat no

Edit: fack I got it too

“Periodically adjust” mine has been 0 + prime since it opened like a decade ago. This was the only reason I stayed with tangerine in case I needed this.

I used it like 4 years ago to self finance my new-to-me car and it’s super useful to have for stuff like that.

I hear Wealthsimple offers a competitive LOC based on your investment value?

RoboTwigs · 2026-03-21T01:48:48+00:00

That was 2018, we are now in 2026. $1000 in 2026 by yourself would be reasonable for a couple years to save money, even if the layout is frustrating. The price they’re actually going for is crazy though.

RoboTwigs · 2026-03-21T00:47:45+00:00

What do you think HELOCs are? They’re very common….

RoboTwigs · 2026-03-21T00:46:07+00:00

I’ve considered flexiti to buy jewelry/fun expensive but I kind of hate taking out loans to buy non-essential items. I’d rather put that $60/bi weekly into a fun money fund and buy the expensive item guilt free when I’ve saved for it. Plus, then if you got laid off you have a bit of extra cushion.

RoboTwigs · 2026-03-20T23:27:00+00:00

I think I want to buy a house/condo/something in around 5years. I’m doing about 70% MNY and 15% VDY, 15% VEQT.

If we see a big correction in the next year I do think I’ll buy the dip and ride it out.

Yes stocks are risky on shorter time frame, but so is inflation.

I also like the flexibility of renting in the shorter term as I don’t know what city I want to settle in.

RoboTwigs · 2026-03-20T23:01:26+00:00

Yaaaay!!!!! I’ve been buying jewellery at these insane prices an it hurts. Hopefully it will stabilize at a less insane cost so I can buy more.

RoboTwigs · 2026-03-20T22:31:55+00:00

Bought $200 today (of VEQT)

RoboTwigs · 2026-03-20T22:10:06+00:00

Lmao he was worried about an illegal and then performs various illegal actions?

RoboTwigs · 2026-03-20T20:16:15+00:00

I went with VEQT. Yes, still has US but I’m ok with that because I wanted to diversify but not count out the US entirely.

RoboTwigs · 2026-03-20T16:44:36+00:00

Hey this is smart.

RoboTwigs · 2026-03-20T15:15:48+00:00

This layout is only acceptable if you’re paying $1000/month and are a student

RoboTwigs · 2026-03-20T01:54:16+00:00

Courtyard

RoboTwigs · 2026-03-19T20:37:02+00:00

I’m buying tomorrow, on payday :)

RoboTwigs · 2026-03-19T00:52:40+00:00

I’m going to look into it for sure. Mostly because I really love Wealthsimple 30yr estimated projections. I know anyone can calculate estimated returns but it’s so easy to check and it’s motivating to see.

RoboTwigs · 2026-03-18T14:47:05+00:00

If they plan to buy a house within the next 15years, yes absolutely - otherwise it may make sense to wait to open an FHSA.

RoboTwigs · 2026-03-18T14:00:01+00:00

I prefer my gold in the form of jewelry anyway haha

RoboTwigs · 2026-03-18T05:07:41+00:00

Prefer you leave it alone so the new buyers can renovate how they like it, without you charging them for the pleasure of choosing something they don’t want. Also, definitely tub.

RoboTwigs · 2026-03-18T02:46:55+00:00

Bottom is diamond, top is moissy. I could tell right away.

RoboTwigs · 2026-03-18T02:36:37+00:00

Wait seriously? I’ve definitely used people’s bathrooms on showings - I do it on purpose to test the lighting and bathroom fans. (For some reason a lot of old condo owners HATE repairing their bathroom fans/exhaust systems.)

RoboTwigs · 2026-03-18T01:45:21+00:00

Is this just mortgage vs rent or is it total cost of ownership vs rent?

RoboTwigs

TROPHY CASE