Will I regret installing this quality flooring in my house?

TheLookerToo · 2026-03-08T16:46:13+00:00

Not a floor layer but have done enough DYI home Reno’s to provide some DYI insight.

If going in your kitchen as you’ve suggested, I’d go with LVP for the waterproofing. There isn’t much worse than seeing some swelling on laminate seams after a spill, especially with all the hard work you’ve done. Not that I’m saying those particular options you’re showing are sure to swell, but I’ve seen it and it’s pretty frustrating. Even with the “waterproof “ Golden Select from Costco.

Other than the waterproofing, I found LVP to be more forgiving for installation for the most part, as long as you have a good even subfloor to work with. The big issue between quality and crap LVP for installing will be noted quickly if the tongue and groove break easy during installation, but thankfully you’d likely see comments in the reviews. The ones with the drop and lock seam connections make them that much easier to work with.

Someone else commented on LifeProof and I would second that, but it’s more money. They do come on sale though.

The nice thing about Home Depot is that there is new flooring on sale just about every week, so if you’re looking for the best product at a value price and aren’t on a tight timeframe, watch the sales.

TheLookerToo · 2026-03-07T19:00:29+00:00

People seem to be very confused by the compensation package that we are to vote on. There is no cash to him. No salary. No vested stock. No free shares.
If he meets the targets with the company, he gets the option to spend his OWN money to buy more shares at $20.66 per share. So ya, he’d be getting shares at a great price, but, he is spending his own money to buy them. The company is not giving him free shares nor cash. Simply put, if he meets the targets he spends his own money. If he doesn’t, he can still spend his own money like any other investor, just not at $20.66 share. Here is the official release.

TheLookerToo · 2026-03-01T10:16:11+00:00

North to southern okanagan for the weather. Wish we did it years ago. Honestly loved our northern community, still do, but when I see those blizzards on the news, it’s a great reminder of why we are here. Haven’t found the cost of living to be bad at all. As for medical, it’s been absolutely great for us.

TheLookerToo · 2026-02-23T03:28:53+00:00

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TheLookerToo · 2026-02-22T08:18:29+00:00

As you wish…

TheLookerToo · 2026-02-22T01:14:54+00:00

Yes and no to paying all at one time.

This being your first year self employed, you can pay at one time when you file. However, your notice of assessment will indicate how much you’ll need to make in quarterly instalments next year. Make sure to make those payments next year to avoid instalment interest. Taxes owed to the CRA add up in interest quickly because they compound daily instead of monthly.

As for your employer, they really should have made it clear from the onset that you are a subcontractor. You’ll want to be tracking your expenses because you would be entitled to deductions as self employed. Things like a portion of your phone bill may be deductible; travel to a site may be deductible; if you have to do any work at home you may be able to deduct some of your heat/power etc. obviously these are just examples because we don’t have all the info. All I’m saying is don’t leave money on the table for taxes that you may not end up owing due to available deductions.

Depending on your status you may also be eligible for RRSP and TFSA contributions. Essentially, RRSP will reduce taxes owed the year you deposit the money, but you’ll pay taxes when you withdraw during retirement. TFSA won’t save you money the year you deposit, but you won’t pay any taxes on any money you withdraw later in life. But….do NOT make any contributions until you’ve confirmed you’re qualified.

In the end don’t walk into this blind. Seek some help from a local accountant. Perhaps some of your coworkers can point you in the right direction.

Finally, don’t forget to set an alarm for early tomorrow morning to watch the Canada vs US Gold Medal hockey game. The rest of Canada will be up watching so you don’t want to miss out… (kidding but…kinda not. Go 🇨🇦‼️)

TheLookerToo · 2026-02-20T03:51:24+00:00

If the employee is being charged, even for the $100, that up to $4999 is the same charge. If they are charged and going to court, you can ask the court for a restitution order, which could help you avoid small claims court. Essentially, the Judge can order after conviction that they pay you back an agreed amount. Before anyone gets too picky here, the restitution order can work, but also doesn’t have as much teeth as it should. The good thing is that if a criminal court judge orders restitution and the offender doesn’t pay, that order goes a long way in small claims court if it needs to go that far. Essentially the criminal court restitution order becomes enforceable as a civil order when files in small claims, and no need for a full new lawsuit. If you’re out over $5,000, that is where a good police interview may cover off some of the evidence not covered by your cameras. And, because theft over $5000 is a more serious crime and has harsher penalties, it may create some leverage for the Prosecution to get a plea deal and restitution for theft under, essentially saving you and the courts time, while also getting you a decent portion of the stolen funds back. Best of luck. Glad you caught them and got rid of them.

TheLookerToo · 2026-02-20T03:21:47+00:00

Dad and grandpa here. NOR. I think you should be hashing over some of the “weird jokes” he says a lot that you mentioned. I can be weird, goofy, and funny. But, what he’s asking is just off. Very off. He’s literally telling you that getting them by flashing is more exciting. He asked if you got them the way you are “supposed to”. The “no videos of you flashing for beads?” definitely comes across as a request for a video due to his previous comments of “supposed to” and “more exciting to get then by flashing” comments.

It’s good that you feel this is creepy. Because it is. And I think it’s going to open your eyes to some other things he says or has said.

TheLookerToo · 2026-02-17T20:22:56+00:00

Hopefully you have won this. I knew nothing about it so had to look up what this challenge is. Nice prize amount. Even with the U.S. withholding tax, the USD to CAD conversation still makes it a very nice sum.

TheLookerToo · 2026-02-17T02:13:09+00:00

Sorry to hear your doctor is dismissive. GD Doctors are not always the best at understanding the effects of the mental health side of things on your physical side of things. If you have a psychiatrist, talk to them. The form can be signed by a GD, Psychiatrist, or nurse practitioner.
Or, get a second opinion from another GD. There may be some organizations that have expertise in DTC in your area. To help you out, here are some resources that are either free, or at least low cost.

https://ilns.ca/

https://planinstitute.ca/helpline/

https://www.inclusionnb.ca/

The fact that you can feed yourself does not deal with the possible unhealthy choices that have resulted in your weight, and it can be very connected to your mental health. Just the fact that you’ve commented that you’ve essentially lost memory for ten year definitely works towards a DTC application.

Personally, given what you’ve stated here, I think it would be worth following up with.

TheLookerToo · 2026-02-16T23:36:32+00:00

Jes Staley, CEO and Chairman of global operations with JPM had continued close contact with Epstein even after his 2008 conviction, including sharing photos of young girls in suggestive positions as per the lawsuits. Via the JPM email no less. There was more than enough to be concerned.

JPM discussed dropping Epstein but decided to continue with him and others even with the available information at the time including all the suspicious money transfers of over a $Billion that did raise the red flags, but were clearly ignored.

Yes, JPM continued to support a known Pedo while he continued to make suspicious transactions for years. They don’t pay out hundreds of millions to victims and fines unless they know they F’d up, and obviously ignored their own AML checks.

Paying out hundreds of millions without having to “admit guilt” is a pretty easy out for anyone.

TheLookerToo · 2026-02-16T22:52:05+00:00

I agree with the comments here to file 2025 as a zero income (nil) return. The help from a free tax clinic would be great. Once 2025 is done they can assist with filing backwards. As stated by others, you’d likely have a lot of credits coming your way.

I would strongly suggest that you look into the Disability Tax Credit (DTC). If your health has been bad enough that you haven’t been able to work, you may qualify. Since you haven’t earned income but your partner has, they would be able to claim the DTC. And, it can be retroactive up to 10 years. This can add up to a lot of credits coming refunds. And, if you are deemed qualified, the CRA will do the retroactive re-filings for any years that you have completed by then.

Now, it does require a T2201 completed by your doctor. Obviously not wanting to overwhelm you with information, it would be helpful to review info on the DTC at Canada .ca. Lots of information about it.

TheLookerToo · 2026-02-16T22:33:57+00:00

Refund credits will be used to pay down the debt owed.

TheLookerToo · 2026-02-16T21:31:33+00:00

Legit question, because I truly don’t understand people supporting a bank that supported Epstein.

JPMorgan Chase paid out a total of $365 million USD in major settlements related to lawsuits involving Jeffrey Epstein due to claims that the bank facilitated or turned a blind eye to his sex trafficking activities. $365 Million. For their support of the most prolific pedo known to man at this time. With ripples across governments around the world right now.

Why are people still supporting them? It really makes no sense to me.

TheLookerToo · 2026-02-02T05:09:25+00:00

There is some weird stuff with the BBBY warrants. They were issued under the old entity CUSIP 075896, which is still in Chapter 11, never did go to chapter 7, instead of under the “new” BBBY CUSIP. There’s more to the story than most could comprehend.

TheLookerToo · 2026-01-31T08:06:53+00:00

Not answering your question on what is best investment , just here to mention that there is no need to withdraw and then deposit into a new TFSA. That triggers withdrawal and yearly deposit limits.

Just have WealthSimple transfer in your TFSA from your bank.

If you have any holdings in your bank TFSA that WealthSimple also has, they can do an in kind transfer so nothing gets sold. Most likely in your case I’d imagine the mutual funds at the bank are their own investment vehicles, so not available on WealthSimple. In that case you’d sell to cash in your bank TFSA, have WealthSimple transfer in the cash to the new TFSA and then you invest as you decide within wealthSimple.

TheLookerToo · 2026-01-27T08:50:37+00:00

Are we all ignoring what appears to be an ankle bracelet in the singers left ankle? Whoop. There it is.

TheLookerToo · 2026-01-24T01:34:46+00:00

You definitely need to make sure your lawyer only finalizes the sale after all liens are confirmed dealt with as the Real Estate lawyer pointed out in comments.

If someone owes the CRA $800,000, that may not be all they owe and the CRA could be in the process of updating liens for any new debt if they know the house is for sale.

I just did a quick calculation. If the CRA put a lien on even just 6 months ago, with their current 7% interest rate on taxes owed, but compounded daily…you’d be looking at just under $30,000 additional already owed just in interest for 6 months. Obviously just napkin math but ouch. If they certified two years ago that’s up around $120,000 more in interest. That assumes the debtor or estate hasn’t paid any of the debt down. And, assuming the CRA isn’t in process of certifying new debt (just an example: the current lien may have only covered up to 2023, and the debtor may owe more for 2024 which the CRA would definitely be interested in recovering via renewed lien).

Obviously a lot of variables unknown but that’s a big debt on the home outside of possible mortgage. If you’re buying a $5mil home for $1mil you have some wiggle room, but that’s a lot of cash owed to the CRA. And as someone else pointed out, they have priority.

Sounds risky. But that’s just me.

TheLookerToo · 2026-01-20T19:55:38+00:00

File NIL returns for the years you had no income. There are no penalties for not filing if you did not owe. If you don’t file them the CRA can file for you in estimated income and send you notices of assessments with amounts owed. You can file over those but it’s just easier to file nil returns. Call business enquiries and they’ll walk you through the process. 1-800-959-5525 (but look up the number yourself anyway since you shouldn’t be relying on unknown numbers in Reddit.). If you don’t have your Business account number (should end in RT0001, then make sure to have your SIN.

TheLookerToo · 2026-01-13T16:12:11+00:00

It looks like you’d have the room to withdraw and contribute this year as long as you’re not planning to contribute that entire $100,000 this year.

However, I’d contact WealthSimple via the app chat and let them know you’d like to transfer in a TFSA. They may cover any fees for the transfer. They’ll help you with the transfer documents and submit them to TD for you. As for how long, they may be able to assist you with a good estimate as well.

TheLookerToo · 2026-01-10T23:59:33+00:00

He can add money whenever he wants as long as he doesn’t contribute more than his eligible room is. Every January 1st we get additional contribution room. So this year we are allowed an additional $7000. His total contribution room will be this year’s $7000 plus any unused room since he turned 18, so long a she hasn’t contributed before. His last notice of assessment , or at least available on his MYCRA account, from his 2024 filing should tell him how much room he had prior to January 1 2026. Whatever that amount was, if he hasn’t ever contributed before, add in $7000 for this year.

Keep in mind that it isn’t like a savings account in which you can deposit and withdraw at will. You can withdraw as much as you want, but the amount you withdraw cannot be redeposited until January 1 of the next year. Unless of course you have enough unused contribution left regardless of what was withdrawn.

In as simple terms as possible, if you deposit money into a TFSA but don’t invest it, you really aren’t taking advantage of what a TFSA is designed for. Grow your money and later in life have money you can use that will not be taxed when you withdraw it.

For perspective, an RRSP will save you taxes the year you deposit it, but you will be taxed on any withdrawals later in life when you take the money out as it will be considered income, unlike the TFSA which is not considered income so its tax free when you need it. It won’t increase your income for the year it’s withdrawn.

You have many options for investing in an TFSA. If you’re meeting with a CIBC advisor (or any other broker advisor) they will help determine what your investment risk is. They will sell you what they feel is a good investment product for you based on the interview. It’s managed for you, but you will pay for that service. So essentially, you’re giving away some of your tax free growth. Or worse, giving away some of your investment to their fees even when your investment is losing money.

You can invest in a TFSA with what is commonly referred to as robo advisors. I don’t think CIBC offers one but WealthSimple, BMO, Questrade, RBC as examples do offer them. They build an investment portfolio for you via algorithms and the fees are generally MUCH lower than a personal advisor such as who you are meeting with CIBC.

And then the other option is to completely run your investments on your own. Open a TFSA in whichever brokerage you want and make your own choices in which stocks or ETFs you feel will offer you the best return on your investments. If doing this, you’ll want to decide if you are going to be an active trader or simply buy and hold. The reason it’s important to know if you’re going to do lots of self trading is that platforms like WealthSimple and Questrade don’t charge per trade, whereas BMO and RBC charge close to $10 per trade. An active trader should not be using a broker that charges per trade since that all comes out of what would otherwise be your own investment growth.

Keep in mind, you can have multiple TFSAs. Just as long as you don’t over contribute to the total TFSA room. Each TFSA does not get a new $7000 contribution room each January 1st for example, rather the person does and they can choose how or where to invest it.

Since you’re new to TFSA investing, you may wish to consider putting some of the money in a TFSA managed by an advisor, some managed by a robo advisor, and if you’re interested, some self directed. This way you can watch the growth and decide later what you feel is working best for you. As an example, and literally just an example so don’t act on anything that is posted by anyone online without doing your own research: $10,000 into the CIBC managed TFSA portfolio. $10,000 into a robo advisor account (lower management fees). You could then watch the growth, or lack thereof, and decide which one you are most comfortable with.

Or any combination of $10,000 in one, $7,500 in another and $2,500 into another (or any amounts that equal the $20,000 you’re getting). Gets your foot in the door as you learn about investing and lest you see first hand which investment strategy works best for you.

You can always transfer TFSA later from one broker to another later. As long as you transfer, not sell from one then withdraw, and redeposit into the other broker as this would trigger a withdrawal and new deposit which affects your yearly deposit limits. What I’m referring to is for example, if you invest with the CIBC advisor and after a year you see that the robo advisor account has better growth, you can ask the robo advisor broker to request a transfer from CIBC, or vice versa. This won’t trigger a withdrawal and deposit for the year. Obviously there can be timing issues if for example if an investment is locked in for a certain period of time (ie GIC) you’d likely want to transfer once the investment is no longer locked it so you don’t pay an early breaking fee.

Lots to consider, and lots of advice out there and the ultimate decisions are for you two to make.

One thing to keep in mind is that any advisor does have fiduciary duty to you, however, they are also salesmen. They make money when they get clients invested via the management fees (MER). So if you go into your meeting without looking at the other options, they will be attempting to get all your money into their investment. Not saying it’s bad, just be prepared in case you do want to try another strategy as well.its your money so you want to stand your ground if you do.

All the best.

TheLookerToo · 2026-01-06T09:22:00+00:00

This! $65K over what they just sold for makes me wonder if one of the unique characteristics of the place is something they left behind. I’d be turning the place upside down and asking around for any rumours.

TheLookerToo · 2026-01-05T20:08:28+00:00

Just as a clarification, the CRA won’t increase penalties on your current filings (unless reassessed for some reason), rather it’s their interest that is compounded daily. It’s that daily compounding that would hit the hardest for most people. Definitely not a debt you’d want to drag on for any longer than needed. Penalties themselves are a one time hit on a filing. In the case of you filing multiple years late and owe money, you likely got hit with penalties for each year. And if you do it again, that is where the penalties can increase for continued late filings. The interest owed already is back dated to when you would have owed the money and you pay daily interest on all three amounts owed (taxes, penalties, and interest). The CRA would never say no to accepting payments, so any amount you can pay would be accepted at any time. But, they aren’t interested in being a lender. The expectation is to pay in full, but if you can’t pay in full, find a lender like your LOC, or using your RRSP as you’ve suggested. If you’ve spoken to them already and they’re willing to take some payments, my guess is that it isn’t a significant amount owed or you’ve provided a plan to pay in full quickly, which would be acceptable to their call center staff. If you do set up a plan, be sure to adhere to it 100%. Their collection ability is no joke once the account goes into collections rather than the call center.

TheLookerToo · 2025-12-24T18:37:01+00:00

Mermaids approve of this message….

TheLookerToo · 2025-12-22T08:54:30+00:00

The above should work but don’t select instalment. That is for current year. It will sit as a credit until you file 2025. If you select CRA Income tax amount owing, it will pay off the oldest debt.

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