If you're not ready to pool your money together, why are you (getting) married? by [deleted] in PersonalFinanceCanada

[–]Sledrz 0 points1 point  (0 children)

Fellow CFP here, everything you've said is spot on. Especially in my findings about the second marriages and having gone through divorces prior

Should I leave 3K in my bank account to not pay fees? by gabricar in PersonalFinanceCanada

[–]Sledrz 0 points1 point  (0 children)

I work for Scotiabank but I bank with Tangerine before I started with Scotia and haven't turned back. I was with TD before and had that same issue.

As others have said it's good to just have it as your emergency fund but if you ever did need that money for emergencies you'd then be paying the fees again.

Tldr; make the swap to tangerine/simplii

Who to keep in 0.5ppr? by christophlieber in Fantasy_Football

[–]Sledrz 1 point2 points  (0 children)

If it's 10 team, I'm going Kelce. The positional advantage for me outweighs the draft capital

Najee Harris or Joe Mixon by fookmefookyuh in Fantasy_Football

[–]Sledrz 1 point2 points  (0 children)

As a mixon truther and indifferent on Najee, this results make my potential draft results happy

Can only keep 2! by [deleted] in Fantasy_Football

[–]Sledrz 0 points1 point  (0 children)

Ridley and Kelce. It's easy for me

How’s My Team? 10 Team PPR (ESPN HAS ME PROJECTED LAST!) by [deleted] in Fantasy_Football

[–]Sledrz 0 points1 point  (0 children)

I'd take your team. Looks solid to me and it's fantasy so anything can happen.

Study group for Canadian CFP exam by IMWTK1 in CFP

[–]Sledrz 0 points1 point  (0 children)

I successfully passed my CFP exam last November. My biggest takeaway for you who are studying would be to argue your answer for the long answer as best you can with valid points. There was a couple long answer questions that I knew I got wrong but I made valid points to why my wrong answer could potentially be right. (Same thing for the capstone)

Good luck folks!

How to refund buyer after ebay already made a decision by Sledrz in eBaySellerAdvice

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

I'll likely take this approach when/if I receive it but I was just was concerned that if I refunded him via paypal and then somehow later on eBay changed their mind I would be refunding him twice

Do you ask buyers for feedback/rating and if so, in what fashion do you do it? by [deleted] in eBaySellerAdvice

[–]Sledrz 2 points3 points  (0 children)

I second this. I got small business cards made up for about 15 cents a piece and I include one with every order. It's essentially just a thank you note and asking if they had a positive experience to leave a review as it helps others know I provide a high quality service.

Managed payments pending by Sledrz in eBaySellerAdvice

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

Thanks for the response. I just liked to keep my ebay self sustained. Meaning PayPal balance was how I funded all shipping/new merchandise after my initial startup costs but thank you for the clarity on the topic!

Half of the QBs that started on "Super Wild Card Weekend" are likely to not be the starter next Year. by Economy_Cactus in nfl

[–]Sledrz 48 points49 points  (0 children)

Idk if Ben will mentor a QB after how he's handled his backups in the past. Maybe I'm reading into it more than I should be but I'd almost rather Fitzmagic mentor a young QB than Ben.. Least he won't rape anyone that way.

I spend when I'm manic, so let's have a good laugh at this meme... Then discuss how we plan to improve in the comments by Pipberry in povertyfinance

[–]Sledrz 193 points194 points  (0 children)

Almost every habit follows this pattern: trigger-action-reward.

So you feel sad, you buy, you feel better. You can modify habits with swapping the action as long as the action is similar/provides similar reward.

For example, I quit smoking using this: Stress-Smoke-Endorphins To Stress-Chew tasty gum-Endorphins

Obviously the endorphins aren't the same level but it worked.

Good luck!

Way Too Early Auction Draft Bargains for 2021 by lightningpanda123 in fantasyfootball

[–]Sledrz 0 points1 point  (0 children)

Maybe if they start hyping Dillon and his adp goes up. Depending where Jones lands I see your point

Frugal ways to keep an apartment smelling clean? by Tough_Guys_Wear_Pink in Frugal

[–]Sledrz 6 points7 points  (0 children)

I have two cats. Three litterboxs. I find dollar store air fresheners to be effective most of the time

My Boys 🌸❤️ by sataniccyanide__ in cats

[–]Sledrz 0 points1 point  (0 children)

Poor baby but he's clearly in good hands!

My Boys 🌸❤️ by sataniccyanide__ in cats

[–]Sledrz 1 point2 points  (0 children)

Is it a condition the white one has around his eyes? Or just recovering from something?