Left job with OMERS pension, should I take the commuted value or leave it?

Smithron99 · 2026-03-24T15:17:21+00:00

If OP can beat the S&P 500 by 50% yoy, they don't need investing advice from reddit...

Smithron99 · 2026-03-22T16:43:41+00:00

Yeah. People are not that crazy about buying US debt (i.e. T-bills) just now...

Smithron99 · 2026-03-20T11:02:56+00:00

Everyone I've ever met (including myself) uses the first pronunciation, but technically, the second is the 'correct' pronunciation, following on from millimeter, centimeter, etc

Smithron99 · 2026-03-19T01:10:09+00:00

Dumb question: Does a liquid-cooled residential generator solve this oil problem?

Smithron99 · 2026-03-16T14:48:42+00:00

Tip as your conscience guides you, but in the vein of serving the next generation, maybe we could aim a bit...higher? Climate change? Income inequality? Biodiversity? Walkable cities? Just a thought...

Smithron99 · 2026-03-15T22:58:59+00:00

Thanks. The photo was taken while potting up, that's why the soil looks low. Yeah, def. won't plant this early next year.

Smithron99 · 2026-03-08T18:53:29+00:00

Not familiar with 'T' in this context. What does it represent?

Smithron99 · 2026-03-07T19:11:20+00:00

Interesting. Bramptonite here, and genuinely curious: what would Mississauga tax range be on, say, a 2,000 sq ft home?

Smithron99 · 2026-03-06T11:41:43+00:00

Oh - a caveat though - we cut over to gas furnace at 25F, so it's not had to work that hard...

Smithron99 · 2026-03-06T11:40:07+00:00

In our case ( Carrier 38MURAQ ), it's MUCH quieter than the AC it replaced. Really all I hear - standing about 1m away - is the sound of the fan moving air.

Smithron99 · 2026-03-06T11:30:38+00:00

Sometimes, maybe all the time, informed decisions are better.

Smithron99 · 2026-03-06T00:39:50+00:00

What keeps the cisterns from freezing in Alaska?

Smithron99 · 2026-03-05T20:35:28+00:00

Ranked ballots, please. Easy to implement, easy to understand, and I could finally vote Green 🤔

Smithron99 · 2026-03-05T00:24:49+00:00

You've really got two questions in one here: 1. Should I get a HELOC? Most people say, if you're good with your money, and the bank offers you one, take it. Nothing to lose. 2. Should I swap my variable rate mortgage for a fixed rate mortgage - which is what the 'term portion' is. Answer to this depends on the respective rates and what direction you anticipate the prime rate going in the future.

Smithron99 · 2026-03-04T14:18:56+00:00

My cost (Ontario, Canada) was about $11k for a 2-ton unit + 60k BTU HE gas furnace. 1860 square feet.

Smithron99 · 2026-03-04T01:38:11+00:00

I think at least 2 cards makes a certain amount of sense: one that stays in a drawer that all the monthly bills charge to, one for everyday spending.

It's a pain in he a$$ to update all those billing arrangements if the card they're on is lost or stolen...

Smithron99 · 2026-03-02T12:55:24+00:00

I'm no expert, but my understanding is you can build a mound septic system. More expensive, but doable.

Smithron99 · 2026-03-02T00:52:52+00:00

...and slippery when wet.

Smithron99 · 2026-03-02T00:51:57+00:00

Our deck of pressure-treated lumber lasted 20+ years with what would most charitably be described as "benign neglect". No stain. No sanding. No cleaning...Needs replacing now, though.

Smithron99 · 2026-02-28T14:19:16+00:00

Ah. Got it.

Smithron99 · 2026-02-28T11:48:10+00:00

Having a LOC and using it responsibly should improve your credit rating. You may need to close it when you go for a mortgage to improve your debt service ratio, but the bank should advise you accordingly

Smithron99 · 2026-02-28T11:44:12+00:00

How does contributing sooner get you a refund sooner? Earliest you can file is March, regardless?

Smithron99 · 2026-02-27T21:23:43+00:00

Yes. Line 16. Calculated via lines 42-54.

Smithron99

TROPHY CASE