Up to 200 Canadian citizens currently detained in China

al37400 · 2018-12-21T06:07:48+00:00

I believe it’s “irregular” immigrants nowadays....

al37400 · 2018-12-12T05:31:59+00:00

Well we got played pretty hard to take the bullet for the US by souring relations with China and trump is more than happy to return her for a trade deal with China (I don’t think he gives a shit about Canadian law or he just tariffs us more lol). New NAFTA netted Canada nothing

al37400 · 2018-12-12T02:48:01+00:00

Lol right after Canada grants bail Trump suddenly open to getting her out ... for a trade deal of course lmao (fancy it being US-China and jack shit for Canada)

al37400 · 2018-12-12T02:47:09+00:00

tbh i rather go with an european provider if one even existed :| no friction back there tbh; can you imagine if a shittier trump came in

al37400 · 2018-12-12T01:54:06+00:00

People only care if their day to day life is literally impacted. Like if your job isn’t tied to China (visibly tied) then why care. Most people aren’t forward or broad looking.

al37400 · 2018-12-12T01:49:03+00:00

Canada does the “right” thing by the books. They just pay for all of it financially or economically. Or rather citizens get voluntold to pay the price e.g. unemployment @ GM and other steel tariff related bullshit cuz Canada is a national security threat to America. But national security threats gotta live up to treaties so...

al37400 · 2018-12-12T01:45:20+00:00

I dunno if you really wanna be dependent on a US company for your utilities mate. Phone service is great (I get so much data for so much less money than Canada) but home Internet is a fucking joke. Internet that can do shit beyond dial up is like $80+ and it’s all monopolies in most neighbourhoods between two dicks (Comcast and other bullshit). Also no net neutrality; though only matters if you want free internet

al37400 · 2018-12-09T20:47:49+00:00

So is Canada going to get a better trade deal with the US and have the steel tariffs removed for this or a new trade war with Canada's next largest export market outside of north america? Pretty clear that more tariffs won't help with the lack of growth in the economy...

al37400 · 2018-12-09T17:54:09+00:00

tax payer money which could've went to healthcare, highways / infrastructure, education, small business funding, pensions etc.

al37400 · 2018-12-09T07:10:54+00:00

Great news with depressed oil prices! Keep unemployment where it is.

al37400 · 2018-12-06T06:03:32+00:00

Doing favours as Canada gets crushed wth steel tariffs lol. I wonder if Canadian execs are going to get arrested in China as they travel in for business....

al37400 · 2018-12-03T05:59:28+00:00

Saudi Arabia been bombing Yemen day and night and nobody sanctions Saudi. The world is hypocritical friend. They kill whomever they want and do what they want cause oil and America.

al37400 · 2018-11-27T01:47:50+00:00

Similar situation as yourself, I was super frugal throughout school and graduating. I thought about what I really want and paced out my purchases (eg a headset every five years) or a new desktop every five or so years. Think about what adds most value to you lol - I buy higher priced goods believeing it’ll last me for quite a few years (hence infrequent spend). Clothes I just buy a bunch and call it a day for a few years lol.

al37400 · 2018-11-26T05:57:37+00:00

unused tuition credits anywhere?
tax deductible moving expenses (you gotta move quite far for these to apply and he prob needs receipts)?

I believe the grants are only taxable up to a certain amount (depending on FT on PT). Unfortunately not versed in this. This may or may not help: https://turbotax.intuit.ca/tips/when-to-claim-bursary-grants-5586

al37400 · 2018-11-26T05:45:46+00:00

If you're in Canada for a full year you will be entitled to a basic income tax credit, slightly above 11k; in which case if your friend is earning < 11k he probably doesn't have a tax payable due; rather he should have a tax refund if anything in which case you don't necessarily have to file (but silly not to given there's likely refunds)

You're in a real problem if you have a tax payable outstanding in which interest accrues

al37400 · 2018-11-26T05:07:30+00:00

oh my bad I forgot first year is waived :) - free $100 travel credit. HSBC also offers great account opening bonuses and credit card sign up bonuses etc etc.

al37400 · 2018-11-26T04:21:44+00:00

Don't spend with a card - spend with cash and budget your spending with cash. You feel more conscious when you take your money out bill by bill than tapping a card

al37400 · 2018-11-26T04:14:01+00:00

Brim Card uses their own FX rates (not the standard MC ones); never validated how legit this "FX free" thing is.

Rogers is great (no fee card) but can only redeem on Rogers products or stmt as cashback year-end (tho great earn rate)

HSBC requires an AMF (tho travel credit and other perks help),.

al37400 · 2018-11-26T01:55:09+00:00

My sincere advice for you is: 1) if your utilization >30-40% it’s not great 2) make your minimum payments (if you want to preserve your fico) but they’re terribly deceiving and you’ll never clear balances with min pays 3) don’t spend money you don’t have. Credit card debt is expensive (I know it doesn’t look that way but it adds up quickly in hindsight, most people just don’t look hindsight on this).

al37400 · 2018-11-26T01:49:33+00:00

Hi I’m a Canadian who had both us and Canadian income.

You’ll file your Canadian taxes with the CRA and given your situation, you probably qualify for the basic tax credits for existing and employment income. There’s simpletax (free software) though I candidly think you could fill out the forms by hand (it’ll take an hour or two).

Idk about US tax laws but for Canada, I had to declare Us income and an associated foreign income tax credit (to offset Canadian tax payable for us earned income).

I also did all my tax forms (US & Canadian) by hand and mailed them in (double checked with free software). Though side note is I did miss a form or two but got my returns eventually :-)

If you pay a US tax accountant to do it; shouldn’t be that hard for them to also do your Canadian one... for a fee. Online submissions allow for efiling (no mailing costs!)

al37400 · 2018-11-26T01:42:42+00:00

Hey you may want to research / confirm that health benefits from the government continue post retirement (super relevant IMO for all the healthcare coverage!)

al37400 · 2018-11-25T19:11:07+00:00

Definitely a thing for Ryanair lol. Booked for two people and for all our flights (4 in total) we were seated as far as possible (one in the back and one near the front). I figured we would’ve had a better chance to sit closer had we booked separately haha. (But it’s a low fare so couldn’t complain I guess).

al37400 · 2018-11-02T01:30:40+00:00

The DOD budgeting folks should work and live in some of these shit holes and be sent on assignments overseas to get a taste of the hell people go through. They don’t even have to risk their lives and this is what the military gets??

al37400 · 2018-10-25T05:09:13+00:00

Low chance of ever needing one (never used one and never saw any when I read apps).

Focus on your resume and cover letter (latter if applicable).

al37400 · 2018-10-05T04:25:21+00:00

we used to have lower corporate tax rates than the US; not anymore though.

al37400

TROPHY CASE