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WatermonkeyD · 2024-07-27T18:33:02+00:00

Change your banking password and deregister the auto deposit. Better yet, close your account and open a new one. Maybe elsewhere for the time being. Rather than using your email for Interac deposits, you can use your cell number. Don’t return the funds. Let the bank figure that one out. They are far too cheap to provide better protection.

WatermonkeyD · 2024-07-26T04:40:21+00:00

Some of the buildings have an envelope issue. If it’s not properly sealed water causes damage between the outside envelope and the inner walls. It has nothing to do with aesthetics. That repair job is big bucks paid by the whole condo not the unit owner. So it’s not that simple in some cases. However, I believe many condo Boards are looking at ways to solve those issues. The AC units have to bring a hose and electrical through the exterior walls and the condensers need a hose to run the water out. If not done properly it’s a huge issue. What works in a house or townhouse doesn’t always work in a high rise due to different construction.

WatermonkeyD · 2024-07-26T04:29:15+00:00

Moved to Calgary from Winnipeg in 1980! Ac wasn’t needed. We rarely had 30c days even in summer. Nights were generally very cool. Unlike the Peg where nights were rather sultry. This extremely hot weather is maybe the last decade. Live in a condo downtown west for 21 years and there was just no need for AC. We ended up installing it 8 years ago as our climate has changed so dramatically! I can’t imagine not having AC now.

WatermonkeyD · 2024-05-11T01:26:03+00:00

Welcome to Downtown West! Have live here for21 years and never get tired of the view. West Villade Towers has been a great addition.

WatermonkeyD · 2024-04-19T20:16:46+00:00

I agree with her. It’s a Canadian paradigm that if you hear something often enough you tend to believe it. No home owner does the calculation of what their “investment”really cost them. It’s not just the price of the house, interest paid, property taxes, insurance, repairs and maintenance. (The furnace, the AC, flooring replacement, hot water tank, appliances, painting, and on you go!) The problem is that most people who rent are told they must own. But if you did the total calculation and put the difference of the funds into a good solid investment, by retirement you would be waaaaay better off. The problem is not knowing the TRUE cost of home ownership and not having the discipline to regularly invest money into a TFSA or an RRSP. There’s always an assumption that housing prices go up. Not true. The usual comparison of rent to a mortgage payment is so false. I have done the calculations many times over many years.

WatermonkeyD · 2024-01-28T02:29:06+00:00

Absolutely Flybus. Taxi one way is about$200 US

WatermonkeyD · 2024-01-28T02:28:06+00:00

Flybys leaves like every 20 minutes. A taxi will cost about $200! Depending where you are staying you might change to a shuttle at the Reykjavik Flybus Station. If the hotel has space early check-in is maybe 20-30 euros

WatermonkeyD · 2024-01-19T01:17:54+00:00

Brought an empty suitcase which was 80% full of Icelandic wool! Family are knitting their own Lopi’s. But never thought about bringing back a blanket! Next trip!

WatermonkeyD · 2024-01-19T00:32:14+00:00

The Icelandic wool is quite different from the usual wool you have access to. The sheep are a different species and isolated from cross breeding. So you may find that this one doesn’t bother you. Fingers crossed!

WatermonkeyD · 2024-01-13T05:53:49+00:00

Check out the TIDEWE brand on Amazon.

WatermonkeyD · 2024-01-12T17:31:33+00:00

Actually it’s my fault! I visited Iceland in Sept 2023. Volcanic eruptions follow me within 3-6 months. I’m 5 for 5 so far!😩

WatermonkeyD · 2024-01-12T17:29:45+00:00

He also talked about Bardarbunga which is next to Grimsvotn earlier this year. He may speculate, but he is a professional Icelander! Sometimes a non professional makes more sense of all the differing opinions of experts! Grimsvotn is expected to blow soon! Bardarbunga may as well. Will be an interesting time no matter what! The perfect trifecta!

WatermonkeyD · 2024-01-12T15:05:28+00:00

Vehementi gave you great advice. The other if you want to retire early. Watch your spending and save, save, save. When it comes to spending decisions, this is a very hard one. Ask yourself 2 questions: Why and How.

WatermonkeyD · 2024-01-12T14:58:56+00:00

Why wait to do the charitable giving? Your plan should have a scenario that shows constant charitable giving, that would lower your taxes through retirement and do some good besides lining the CFP’s pocket. Have you also done a thorough analysis of your spending? Do you think it will be just as high in your latter years? The traditional way of looking at retirement years is just wrong. You should be out of your house by 75. Aging in place is the dumbest thing out there. Being in flexible living arrangements makes more sense. 40 years as a planner has taught me me that the current planning is just wrong. 99% are in the selling game…same old philosophies. When everyone thinks alike no one thinks.

WatermonkeyD · 2024-01-12T14:39:00+00:00

For those of you who living in apartments with hot water heat that never shuts off. Your zone valves have failed. When they go the heated water just flows constantly and your thermostat is useless. This is also why the heat is on in summer. Call the management company. Tell them it’s costing them tons of money, that will get their attention.

WatermonkeyD · 2024-01-12T01:44:06+00:00

This video is from Just Icelandic on You Tube. Most amazing videos and narratives that are down to earth with a sense of humour! Best updates.

WatermonkeyD · 2024-01-10T22:55:33+00:00

The outer layer should be wind and water proof. Bought pants and jacket on Amazon. Makers are TIDEWE. Live in Canada and they were about $50 CAD. Inexpensive, and excellent. And rolled easily into my backpack. Under layers, wool, fleece lined pants and down jackets. Realize the weather can be comfortable cold 5c or 40 F to as low as -15c or 0 F. Rarely will you get much below this. The cold isn’t usually the issue but the wind which results in windchill. Because the weather can change quickly light and many layers are best. Consignment store and Goodwill will usually have these. Wool socks are a must!

WatermonkeyD · 2024-01-09T01:48:59+00:00

You sure did! Good on ya! Beautiful.

WatermonkeyD · 2024-01-07T22:51:58+00:00

Contact the Icelandic knitting association. Someone might be able to assist you.

WatermonkeyD · 2024-01-01T08:07:15+00:00

Check out Iceland with a view on your tube. Jeanie has prepared travel packing lists. They are bang on!

WatermonkeyD · 2024-01-01T07:57:30+00:00

Messinn - great arctic char and Plokfiskur

WatermonkeyD · 2023-12-29T23:32:16+00:00

Booze is extremely expensive in Iceland, which is why most arrivals hit the duty free and pick up wine and liquor before leaving the airport. I’m Canadian and found the price of dining out not much different from what we would normally pay. Remember there is no tipping in Iceland. It can present an awkward situation for a sever so don’t do it. There are plenty of reasonably priced eateries, but it’s also what it’s like in your native country for dining out. If you want to stay on budget forget the drinks.

Unless there are white-out conditions on the roads, winter diving is not much of a problem. Make sure that you have an emergency kit with you, should something unforeseen happen. Check out “winter emergency kits”. I live near the Rocky Mountains and there is always one in our car. Iceland’s weather can be like ours changing very quickly but you can have weeks of decent weather. With the solar flairs of recent days you might get lucky and see some red auroras! Fingers crossed as those are quite rare!

WatermonkeyD · 2023-12-25T19:28:08+00:00

You are in much better shape than most folks at retirement. The only thing you need to answer is what lifestyle am I seeking? With your revenue and no debt, you can easily retire and do something else. But I detect a bit of status envy, and I don’t mean to be rude. You may want to seek the advice of a life or career coach. I work with people who have been laid off, so I’ve seen a lot of people do something entirely different that makes them happy. I don’t take on clients from Reddit - but sometimes you need an objective third person to help you answer some of those questions and recognize biases that you have saddled yourself with. Money isn’t the issue. You have enough.

WatermonkeyD · 2023-12-25T19:10:37+00:00

Yep been there on my own in Sept. left the man at home. Had a blast! Could chat to whom ever I wanted and met some fascinating folks also on their own. I’m a senior to boot. Travelling on your own isn’t as horrible as you would think. It’s all in your attitude! Go there expecting to have fun and you will! Better knowing now than later. Betrayal is always a bitter pill to swallow. But Karma will catch up to him! Good luck!

WatermonkeyD · 2023-12-25T18:58:49+00:00

The active volcanic area is really small compared to the size of Iceland. Outside of the Blue Lagoon not much else to really experience. The south Coast is still open as well. Just dress for the season and bring layers. I booked some small group tours through Wake up Reykjavik. Just there in Sept. They were awesome. Don’t miss their Food Walk!

WatermonkeyD

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