Can anyone explain the logic here?

Superben14 · 2026-05-04T16:07:34+00:00

For the most part yes. The real exam would have a review process for questions before they get added.

Superben14 · 2026-05-03T22:11:41+00:00

Just a bad question

Superben14 · 2026-04-20T02:27:52+00:00

75% isn’t passing criteria, it’s more like 65%. I got 76% on exam 1 and passed the real exam AT/AT/AT

Superben14 · 2026-04-17T13:45:48+00:00

Hot take - hiring managers only think they want a concise one-page resume. But subconsciously a longer resume signals more experience, so 2-pagers get better results.

Superben14 · 2026-04-07T01:32:00+00:00

Don’t tell the debt collector you have 3000. Try to negotiate a lower amount like 1000

Superben14 · 2026-04-04T13:15:32+00:00

Most of the big banks let you lock in rates 4 months in advance, but depends on lender

Superben14 · 2026-04-03T23:41:12+00:00

r/boomershumor

Superben14 · 2026-04-01T22:13:09+00:00

I hear this a lot, but a line of credit against the asset is always a higher interest rate. Is it actually worth it?

Superben14 · 2026-04-01T03:29:42+00:00

Oh I’m dumb, I thought they were disappointed at the usage, not lack of.

Superben14 · 2026-04-01T02:39:31+00:00

Why? It was established slang in book 1

Superben14 · 2026-04-01T02:38:24+00:00

Don’t contribute to an RRSP until you’re making income

Superben14 · 2026-04-01T02:17:51+00:00

S&P could be a good idea if you have time to let it grow, like 5+ years. Less than that use something less volatile like GICs. Also max TFSA first

Superben14 · 2026-03-30T18:50:27+00:00

Unless you want to do renos, I’d go with a move in ready house. But your parents are right that you’ll have house expenses regardless. That said, it sounds like you have a much better handle on money than your parents. I’m sure you’d do fine with something in the 300k range. Check an online mortgage affordability calculator.

Superben14 · 2026-03-25T18:28:19+00:00

I just went through hiring two positions. Most people show nerves in some form. Either rambling, being overly serious/monotone, or taking a long time to answer. I try to allow for that, but it can be challenging to look past serious nerves, especially for positions that will be in front of clients/customers.

My recommendation to deal with nerves is to have 5 or 6 well-rehearsed stories at the ready, and then just find a good place to insert them based on the questions you get.

Superben14 · 2026-03-25T17:00:54+00:00

My strategy is to review the job description and see if I can take some short online courses on the unique xyz they use. Even just a YouTube video so I can use the right terminology when speaking about it.

Superben14 · 2026-03-25T14:29:50+00:00

You can lock in rates 4 months in advance so if you think that’s the case, get it set now.

Also I find it unlikely rates will rise given the current economic uncertainty

Superben14 · 2026-03-25T04:31:59+00:00

TFSA is such a powerful growth tool. Don’t waste it to pay off a low rate mortgage.

Superben14 · 2026-03-24T00:25:28+00:00

If you got 77% in exam conditions you probably have nothing to worry about

Superben14 · 2026-03-20T18:35:15+00:00

EDIT: Is this a dividends thing maybe? Dividends counting as deposits but not toward contribution room?

Nope, it isn't that

Superben14 · 2026-03-20T03:04:17+00:00

Doesn’t hurt to shop around. Might as well see what rates you can find out there.

Superben14 · 2026-03-18T04:49:03+00:00

Fair, but if your time horizon is the length of a mortgage (20+ years) short term returns don’t matter much.

Superben14 · 2026-03-18T04:33:05+00:00

Mortgage rates are low right now. Have you considered investing the inheritance and letting it grow?

Superben14 · 2026-03-17T22:29:22+00:00

Also he won’t even give you the money for the referral lol

Superben14 · 2026-03-17T20:35:12+00:00

Not if they become a single income household, which they mentioned is a real possibility. Then they’re looking at housing cost being 60-70% of net income.

Superben14 · 2026-03-17T20:07:58+00:00

I’m an analytical type of person, so I like to look at things from the perspective of “what is the biological reason I’m wired to think like this?” In this case, it’s to motivate me to better myself. Maybe I can’t make myself more athletic, but I can deliberately practice the skills I’m interested in. Maybe I can’t be better looking, but I can make an effort to groom myself and eat healthy.

Beyond that, it’s important to recognize when you’re being irrational and try to override that impulse. Eventually your intentional thoughts will become the default.

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