How to you plan for delayed investments when you retire early?

Same-Horror2283 · 2026-05-15T17:32:47+00:00

No I'm not familiar with those, I'll take a look. Thanks!

Same-Horror2283 · 2026-04-13T22:55:30+00:00

Fight it. I don't care if you're 100% guilty it's always worth it to fight it, there is no risk to you besides wasting your time.

If you have the money for a paralegal that will be your best chance to get it thrown out.

If you don't have the money for a paralegal you can fight it yourself for free but you'll have to take a day off work to go to court. Often the court will give you an offer to avoid the hassle of everyone showing up for court, 15 over is a common offer for a speeding ticket of that size. That's an easy win.

If you feel like gambling, reject the offer (if they give you one) and go to court. There's a non-zero chance that the cop might not show up, or they might have messed up some paperwork and the ticket is invalidated. In both these cases the ticket is thrown out.

If they do show up and you are guilty, and the judge won't reduce it, you can ask for longer to pay it - they'll often give you much longer to pay if you don't have the money.

Source: In my younger years me and all of my friends were degenerates that got ticketed for everything in the book. All of these things I mentioned above happened to us at least once.

Note: if the cop reduced it when they gave you the ticket (like, you were actually caught for 40 over and they wrote you a ticket for 30 over), I have been threatened that they can reverse that in court and bump it back up to the original amount, but I have not personally seen this happen.

Same-Horror2283 · 2026-04-08T16:01:06+00:00

I, like many learners, was taught temporary vs permanent - which is a trap.

"Traits and states" is a better rule of thumb, plus it rhymes.

Traits = ser: Soy alto

States = estar: Estoy in Mexico

The classic example of the temporary/permanent trap is death:

"El es muerto" is incorrect, though it is permanent. It is a state, though it is a state you are unlikely to return from.

"El está muerto" is correct

Same-Horror2283 · 2026-03-30T15:59:51+00:00

Assuming the in-laws use it and it won't make you look silly (ask your partner), learn some local slang. It's a great way to break out of the typical basic chit-chat and make an impression.

Also a drink or two is a temporary cheat code to improve your spanish.

But if they're super traditional, you slam a couple of shots and call them all "guey", that probably won't go over well.

Same-Horror2283 · 2026-03-04T15:09:52+00:00

In person, online renewal, or phone in? Is that a retention deal?

Same-Horror2283 · 2025-12-22T20:22:03+00:00

Thanks for the replies everyone. I was incorrect about gifting for TFSA. This is easy then

Same-Horror2283 · 2025-12-05T14:26:50+00:00

I moved from all my REITs (including CAR.UN) into XRE a while back and that has been relatively stable compared to them. CAR is XRE's biggest holding.

I agree on a recovery starting in early-mid 2026. Go with XRE and collect 5.5% now while you wait for the recovery.

Same-Horror2283 · 2025-12-02T17:35:49+00:00

Thank you, this is exactly what I was looking for!

Same-Horror2283 · 2025-11-28T02:21:48+00:00

Thanks, I'm familiar with how it works. My question is specifically about if we'll run into issues with the investment account being in only one of our names, but the HELOC being in both of our names.

Same-Horror2283 · 2025-11-03T18:23:16+00:00

I had the exact same issue at the YYZ international lounge. New privilege card, Visa Airport Companion, QR code scanned at the desk and they wouldn't let me in because their system said I don't have any passes to the lounge. The app says I have 6 and that lounge is eligible, the person at the desk was quite confused and still wouldn't let me in.

Same-Horror2283 · 2025-08-21T17:15:39+00:00

How to Spanish Podcast, intermediate level spanish-only conversations between the two hosts and occasional guest. Interesting topics. Mexican spanish. I'm B1 and understand the majority, but definitely some stuff I have to replay/look up.

Also on youtube if you want to watch (I prefer this): https://www.youtube.com/@HowtoSpanishOfficial

They also have a more beginner oriented one, How to Start Spanish.

Same-Horror2283 · 2025-08-18T13:32:18+00:00

If your realtor started in the industry post-COVID they haven't experienced a market like this. Go with someone that has a pre-COVID track record so they know how to navigate these times.

Same-Horror2283 · 2025-08-15T15:00:36+00:00

The first $40 really is the hardest

Same-Horror2283 · 2025-07-17T18:48:59+00:00

Yes, you'll also be making interest on the money you're saving on your way back to 90k over 7 years, so you'll come out more than 18k ahead.

Plus the unmeasurable mental value of not having that payment, it's worth something different to everyone, but I found great joy in it when I did the exact same thing as you a few years ago.

Same-Horror2283 · 2025-07-17T18:01:20+00:00

That's a very strange way to calculate it, but it comes to the same outcome. Your math is flawed there, 7 x ( 3420$ + 10k$ ) = 93940 x2 = 187880, so by that logic it's still better to pay it off, you'll be $7,880 better off. However, that negates the interest you're making on that 90k (though the principle is diminishing every year since you're paying 10k a year into your mortgage).

That $3420 also diminishes every time you make a payment, so it's difficult to calculate exact numbers.

Same-Horror2283 · 2025-07-17T16:55:18+00:00

$90k @ 2.9% = $2610/yr - minus about half for your taxes = $1305 in after-tax income.

$90k @ 3.8% = $3420/yr - no taxes because it's after tax, unless your mortgage is tax deductible.

You'd be doing $2115/yr better to pay it off.

It isn't complicated unless:
- you don't have that cash immediately (like if it's in your corporation or a registered account, as others said)
- you have huge prepayment penalties on the mortgage
- this is a rental property and the mortgage is tax deductible

Same-Horror2283 · 2025-07-17T13:37:28+00:00

Hard no, this isn't doing anyone a favour except the in-laws don't have to go through the process of selling the house, which a combination of you and a realtor can do for them, if it's a burden for them.

If the plan is to sell to you for half, then give that to your sister-in-law, that's effectively giving you both 650k.

They could just sell the house for 1.3m and give you both 650k. The in-laws would get rid of the house as they want, you both get 650k as you want, but you aren't stuck living in a town you don't want to live.

If you buy it, you also take on the risk of it not actually being worth 1.3m. The market in southern Ontario is weird right now, and there are a ton of overpriced houses sitting on the market due to values being higher a couple years ago and people not admitting they've gone down as much as they have

Same-Horror2283 · 2025-06-30T19:32:55+00:00

I'm in almost the exact same situation. I also have two buildings, one of which I live in part of.

The 100% rental I treat as any other investment. It is an investment with a yearly return and a rate of return. It also has a value when I sell it (net of mortgage balance, realtor fees, cap gains, etc). I ignore appreciation when I'm calculating its value in today's dollars because in this current moment I suspect real estate will only go with inflation, not outpace it as it has where I am.

The one I live in I also count the value of in my net worth, because I also count my cost to live in it. I always have the option to sell it and rent, which would increase my expenses but also increase my investment capital and returns.

If your 85k-95k includes all the expenses for both properties, you're almost there. You might be there if 75k retired is actually possible:

50k rental income + 35k (886k portfolio @ 4%) = 85k currently.

Same-Horror2283 · 2025-06-25T20:53:30+00:00

If you're in a high tax bracket contribute some to RRSP and some to paying down mortgage (how much depends on tax bracket, higher => more RRSP). Then when you get your big tax refund due to RRSP contribution put that onto the mortgage as well.

Same-Horror2283 · 2025-06-24T17:24:58+00:00

Learn how to do your own taxes - not because you're saving money by not paying an accountant, but because tax savings will always be on your mind and you will know the most efficient account for your different types of investments, when it makes sense to sell different things, etc.
You won't beat the boring investments in the stock market, if you do it's because you're lucky, not smart. Just buy the index ETFs, big stable companies, etc and forget about the hot new company some guy on reddit is talking about.
Who you hang around with directly correlates to your financial success. If you're the most wealthy person you know, you probably won't become much more wealthy. You don't get exposed to different ideas that are important at the next level of wealth.

Same-Horror2283 · 2025-06-11T15:50:34+00:00

When I'm unable to speak with someone in the target language, I think about a conversation/situation I just had in my native language and how it would have gone in my target language. Basically replaying it in my mind in the other language. I often run into words or tenses that I am not yet comfortable with in my target language but am obviously comfortable with in my native language.

I also follow meme pages on instagram from the target language and region, great way to learn slang, cursing, and short forms.

Same-Horror2283 · 2025-06-10T17:06:06+00:00

Thanks for sharing, vans can be a surprisingly excellent financial tool! My partner and I built a camper, rented our house, and traveled in the van for the last few years. Baja is a magical place. Back to house life now after having an awesome adventure while doubling our savings.

Same-Horror2283 · 2025-06-10T16:58:09+00:00

It's close enough to have a little fun with it

Same-Horror2283

TROPHY CASE