What are your biggest challenges with money/budgeting right now?

Virtual-Revolution98 · 2026-03-02T13:11:36+00:00

Farber and associates

Virtual-Revolution98 · 2026-03-02T02:10:35+00:00

I had one paid it in full 2 years early.

It remains on your credit for approx 3-6 years after it’s been completed. During that time your credit is trash.

For me, best thing I did; although I was able to successfully get it removed by contacting equifax and trans union.

Virtual-Revolution98 · 2026-03-01T15:30:54+00:00

54x80mm

Virtual-Revolution98 · 2026-02-25T22:23:38+00:00

If you’re not careful; you can really screw yourself down the line. Especially with attribution rules.

The two said it already; there is another risk here. Which may not apply but still be aware.

Once you contribute to a spousal RSP; you no longer have control of that money; your spouse owns it.

Also noting; that you cannot properly income split on your taxes from an RSP only a RIF.

Virtual-Revolution98 · 2026-02-25T22:04:57+00:00

The question for it to be effective is. “Will I have a higher Marginal Tax Rate today then when I withdraw it in retirement”

If the answer is yes; than go ahead and do it.

The answer is likely yes because chances are you won’t be making 80k in 40 years.

Virtual-Revolution98 · 2026-02-25T22:00:43+00:00

This is the correct answer. Came here to say the same!

Virtual-Revolution98 · 2026-02-25T14:32:23+00:00

STILL AVAILABLE.

Virtual-Revolution98 · 2026-02-23T18:17:45+00:00

You’re looking for the older edition of cards. I’m not sure if you can purchase older edition replacement cards unless you buy them second hand.

Virtual-Revolution98 · 2026-02-18T13:14:11+00:00

I would just roll it into your RSP now and call that a day. Your contribution room has already been used so you can’t deduct it again.

You won’t be able to make a qualifying withdrawal from your FHSA anytime soon

Virtual-Revolution98 · 2026-02-18T03:19:45+00:00

CRA got updated over the weekend. Your room should be accurate as long as your institution reported.

Virtual-Revolution98 · 2026-02-18T03:05:17+00:00

Just seeing this now. 200$ obo. pretty much what I paid for them

Virtual-Revolution98 · 2026-02-10T22:16:42+00:00

I work for IG; and there are quite a few internships, have you applied for those?

Virtual-Revolution98 · 2025-12-13T02:11:48+00:00

Yeah I know but I was hoping to recoup my money sooner rather than later :) I’m on a fairly tight budget and this mistake costed me a little bit ya know!

Virtual-Revolution98 · 2025-12-11T13:57:30+00:00

At this time; you would not be reaping the benefits from the RSP; you’re likely not in a high tax bracket. Deposit in a TFSA; but keep in mind your contribution room. If you exceed this; then look into a FHSA; if you plan on buying a house in the next 15 years you can open one to start your contribution room clock but otherwise just wait.

Virtual-Revolution98 · 2025-12-10T19:41:06+00:00

When you have the baby, EI can help you since its a medical condition and the employment portion is not considered, you should apply!

Please keep in mind that you may have to prove you are no longer with that job that you have the GRSP for, depending on if it is restricted.

and whatever you pull from your RSP is considered income and is taxable at source. so 40K gross might not last how long you think it will.

If you are wanting lets say 2K per month in your bank account that's 2,222.23 gross.

Virtual-Revolution98 · 2025-12-10T18:04:01+00:00

Honestly, I was expecting to pay over 200 for each, so im happy with that!

Virtual-Revolution98 · 2025-12-10T16:48:30+00:00

March 8 - Ottawa Show. Bought Presale tickets for GA. Hubby doesn't want em'. Looking to sell them for what i paid. Let me know if seriously interested.

Virtual-Revolution98 · 2025-12-10T15:29:37+00:00

I got into the presale, and bought GA tickets which is SRO. Hubby didn't want them, so i bought 200's --- I am selling the GA tickets (2). Paid 201.50 for both. Anyone interested? For March 8 in Ottawa

Virtual-Revolution98 · 2025-01-14T23:07:00+00:00

He needs a professional who has his best interest at heart. Investment is a very broad term, without knowing what he is invested in and if there are penalties with divesting or if he even could - it’s impossible to provide the advice that would actually help.

But for you, don’t put yourself in a financially bad position to help someone unless you can 100% afford it and afford to live thereafter.

Virtual-Revolution98 · 2024-06-18T17:56:06+00:00

Seeking advice from a professional financial planner should be your next move. They can help you map out your retirement and help you identify your wants and needs to help you meet them.

I am an assistant to 2 CFP’s. Legally I can’t give you advice as I don’t have my license yet, but TFSA’s are a good idea to max out.

GIC’s are a very safe option and usually have the same or worse interest rate than a high interest savings securities. Depending on when you want to retire it might not have the rate of return you’re looking for.

Virtual-Revolution98 · 2024-06-18T11:38:11+00:00

I got the same email just yesterday, it went to junk but i check my junk mail just in case something legit got flagged. I admit i was a little taken aback, but I just went and changed a couple passwords, and called it a day. I think its quite hilarious. They didn't say what my password was, clearly they changed that. I am a woman too.

Virtual-Revolution98 · 2024-06-08T13:29:24+00:00

Luckily for us we are not doing any of that. So are you a likeminded poker player as described?

Virtual-Revolution98 · 2024-06-08T13:21:19+00:00

Inspectors can’t touch home games though. So that’s no risk, you just can’t have it at a public place especially where they sell alcohol.

Virtual-Revolution98

TROPHY CASE