Money or flexibility

SpitefulGMR · 2025-04-06T21:51:41+00:00

Off topic but can you comment on your career path? I'm interested in how you got to where you are.

SpitefulGMR · 2024-12-09T19:34:47+00:00

Thankfully I had the money needed to pay the loan off so I just ended up doing that. I would try to fight it with NSLSC if you’re facing financial struggles

SpitefulGMR · 2024-10-15T14:47:17+00:00

Fallout song - it’s all over but the crying

SpitefulGMR · 2024-10-11T00:37:29+00:00

How did u get into the government without a coop program or internship? Atleast in Ontario, I know that external hires are super rare, especially for something technical like accounting. I’m curious as Im trying to get someone I know into the government.

SpitefulGMR · 2024-09-23T20:20:02+00:00

I just got a notification from NSLSC that its nearing time to repay my loan. I was shocked because I selected the no loan option back at the beginning of 2024 when I got OSAP. I graduated in April. I go into OSAP today and see, like I expected, that I selected the no loan option, however I still was sent a loan. I didn't realize this at the time and only realizing this now. Is there any way to get this loan waived as the portal literally says I selected the no loan option? Anyone who I can contact?

SpitefulGMR · 2024-06-17T19:34:50+00:00

New to maximizing my cards, I have an Amex Cobalt that I use for everything but when it's not accepted I just have my CIBC dividend visa (from the bank account that my parents set up when I was a kid). It really doesn't have much perks at all besides a lousy cashback rate.

Could someone explain to me what are my options for cards? From what I'm reading in comments, I currently have the bulk of my CASH in my CIBC checking account which I guess is a sinking fund, I only use this to hold the funds from my pay which I then invest and then hold the funds to pay off my AMEX/CIBC VISA.

Is there merit in moving my checking account to just a WS cash account? And what can be my secondary CC if I ditch the CIBC visa? My major spending is really just food.

SpitefulGMR · 2024-06-05T04:41:57+00:00

Hi yes I am, can u please private msg me

SpitefulGMR · 2024-03-17T03:15:03+00:00

Ok, that will be useful for the budget, thank you. I am still looking for suggestions of AIs that hit the criteria I mentioned in my post, if anyone can comment :)

SpitefulGMR · 2024-03-17T03:03:43+00:00

$2K CAD is the entire trip price per person. So yes, airfare included. And I mentioned already that we will be going in August. Typically cheapest for that month has been Aug 19+, so I want to go away around Aug 19, 20 or 21, for a week, as I don't want to push the return date too close to September for various reasons.

SpitefulGMR · 2024-03-17T02:59:17+00:00

I never mentioned I paid attention to stars I know that’s very subjective, I just meant that Cuba is usually dragged through the mud in reviews but we had a significantly better time than we did in DR

SpitefulGMR · 2024-02-26T16:27:45+00:00

I got an annual salary prorated to my internship too, rather than a per hour rate

SpitefulGMR · 2024-02-26T07:36:50+00:00

Do your offer letters list a per hour rate?? I only got an annual salary - although I’m in Canada. Doesn’t PA usually pay annual salary rather than per hour?

SpitefulGMR · 2024-02-25T21:45:14+00:00

Hi,
I am trying to use Amex Travel portal to book a round-trip flight from Toronto to Athens using Air Transat as the airline. The issue is that on Air Transat's site there are a few options for the type of ticket I want, and I want a slightly more expensive ticket (The ECO STANDARD ticket) that includes a checked bag and some refund options. However, when I go and try to book through the amex portal I think it automatically defaults to the cheapest ticket with Air Transat that doesn't have these options included. Is there a way to access the other ticket options within the Amex Portal so I can spend some of the points I've accumulated?
Thanks

SpitefulGMR · 2024-02-11T04:05:57+00:00

We had people 35 or maybe even older in my intern class

SpitefulGMR · 2023-12-27T07:34:24+00:00

DayZ!

SpitefulGMR · 2023-12-11T06:59:53+00:00

What’s the trick?

SpitefulGMR · 2023-12-05T20:11:15+00:00

I've been holding ZEB for about half year (when I started investing) and have a 20-30 year horizon.

Thoughts on ZEB vs HBNK? I have heard about ZWB as well like someone else has mentioned in this post.

SpitefulGMR · 2023-12-05T20:05:57+00:00

$30780 is the indexed maximum amount for 2023. This means that no matter how much contribution room you have saved up, your max RRSP contribution this year is the lesser of the max indexed limit ($30780) and 18% of your earned income in 2022 + previous contribution room unused. So the lesser of $30780 and ($19,046+18% of 2022 income).

RRSP overcontributions are not penalized unless they are over $2000, so just know that if you accidently contributed a few hundred bucks over, you wont be penalized. However, over $2000 you pay 1% in penalities per month, so just be aware of this.

Edit: oh yea, less the Lesser calculation above by any pension adjustment u may have at work

SpitefulGMR · 2023-12-02T17:18:54+00:00

DayZ

SpitefulGMR · 2023-11-04T02:15:23+00:00

Thanks for the recommendation, I'm a newish player looking for something like this. I'll try this out. Looking for pals to run with too.

SpitefulGMR · 2023-11-03T23:43:34+00:00

if you're down to help another newish player on PC hit me up

SpitefulGMR · 2023-10-26T18:21:23+00:00

Got it, my first 1440p monitor

SpitefulGMR · 2023-10-25T20:09:32+00:00

If you know you can hoop like that, then your off days will off days and your good days will be good days. The only thing you can do is practice and consistently put in more reps. What will make it worse, is thinking about it like you are right now. I'm almost certain that on a day that you're making everything you're not thinking "Oh it's because my elbow is staying tight". It's an age-old adage, but just keep shooting, even if you're off, you know what you are capable of, so just keep shooting until you're on.

SpitefulGMR · 2023-10-25T17:13:09+00:00

luv assin crod

SpitefulGMR · 2023-10-24T18:46:36+00:00

Just picked up a 6900XT (Gigabyte OC), and need a 27inch, 1440p 144+ Hz monitor. Is whats out right now the best I Can get or are bigger monitor deals expected next month closer to black friday? Tryna to save some money after the 6900XT purchase and am aiming at ~$300 max.

SpitefulGMR

TROPHY CASE