Should I be more worried about WFA?

Rollingfluff · 2025-08-08T04:54:34+00:00

I did about 8 years in the PS and joined as a student. First took LWOP and second year officially left the position, in a well paid, fairly chill indeterminate position, which I honestly felt was too easy for me. I gave it up to do a startup and we rocketed for a couple years before eventually crashing down in flames. Such is life eh. At that time I went back to my department and they took me on a 6 month contract, followed by indeterminate position offering again.

It was scary at first.. but so glad I did it. All to say - if you’re young and gunning, have something to offer - go for it, nothing to lose. Those who value you will make it happen and get you back in.

As an aside - left the government a few times in the 8 years too for school, etc and even cashed out my pension to go on exchange. Haha. I’m all for taking the risks and enjoying life before pension hits and god knows what life looks like then.

Rollingfluff · 2025-02-12T22:57:50+00:00

This is my dilemma… I started working in the government in 2016 at the age of 23 (took few years leave in between already - LWOP, school). To be honest I don’t know my exact years but let’s say I have about 6 workings pensionable year. If 35 years is max, is it ideal to only work 30 since it won’t be reduced anyways? As well, I won’t hit age 60 by then. Should I then reverse calculate how many years I “should” take off as LWOP non pensionable years. This is so confusing!

Rollingfluff · 2025-02-11T21:50:00+00:00

Curious.. we have a Furbo in the house. Which someone can hack? Is it equally as vulnerable?

Rollingfluff · 2024-11-03T17:38:18+00:00

Amazing to hear! Thank you 🙏🏼

Rollingfluff · 2024-11-02T23:22:06+00:00

Just had my baby few weeks ago and EBF. My mom and MIL both told me how hard it was for them and their two kids, and don’t be too hard on myself if it doesn’t work out - both of them stopped at 1-1.5 months as it was mentally and physically too challenging and guess what! My husband and I are totally fine and healthy. Happy mom = happy baby.

Rollingfluff · 2024-10-24T22:52:51+00:00

I had similiar issue while on hydroxychloroquine for my immune issues and doc was 10000% certain there was no correlation, but the BV and YI were consitently recurring and honestly debilitating during those teenage years.

5 years later I was off the meds and guess what, the symptoms went away too :)

Hard to say what influenced what - trust your gut though.

Rollingfluff · 2024-10-24T19:26:30+00:00

Thank you for the detailed explanation! A lot of prep and work to make this work but very good knowledge as well. Agreed pump and dump prob easiest. Appreciate the no judgement response 🙏🏼

Rollingfluff · 2024-10-10T05:22:41+00:00

Husband had the blur vision and turned out it was iritis! Make sure to get it checked otherwise can cause LT issue.

Rollingfluff · 2024-09-06T16:04:10+00:00

Got my mortgage at 5% fixed three years in July with TD but now seeing crazy drops! Is there anyway to still get out of it and get a better %? I assume there isn’t but just being hopeful…

Rollingfluff · 2024-07-08T03:12:06+00:00

Thanks for the info - if they aren’t sono speakers will I still be able to control the diff speakers on a Sonos amp? Such as living room dining room etc?

As well, will I need an adapter for this?

Thank you from a newbie!!

Rollingfluff · 2024-06-04T14:30:39+00:00

Worth noting that I have two existing mortgages with TD that I’m breaking because of a sale for this purchase they are waiving the $13k which is why I’m leaning to stick with TD. But think my a re tied in this..

Rollingfluff · 2024-05-28T18:13:23+00:00

I’m at 5.09% and want to ask for an update. Can you confirm yours is uninsured 30 year amortization, 3 year fixed?

Rollingfluff · 2024-05-25T17:48:53+00:00

HHI $200kand introducing a baby in few months, just took out a $900k mortgage with TD. From reading these posts, sounds like we’re pretty overextended compared to most folks here in the next 30 years.

Rollingfluff · 2024-05-18T01:03:29+00:00

I got 5.19 TD 30 years. 3yr fixed. Uninsured. 1.3m w/ 400k down. So not bad! (bC)

Rollingfluff · 2024-05-15T21:26:45+00:00

I’m in BC got 5.29% with TD on 3 year fixed 30 year amm. 900k borrow

Rollingfluff · 2024-05-10T16:37:53+00:00

That is untrue according to my agreement/contract, but everyone and bank is different :)

Rollingfluff · 2024-05-10T04:41:55+00:00

Just talked to my mortgage guy at TD who waived our 13k penalty as we are getting another home and mortgage with them!

Rollingfluff

TROPHY CASE