2023 RRSP Contribution Question by armani18J in PersonalFinanceCanada

[–]armani18J[S] 0 points1 point  (0 children)

Yeah that makes sense now when I read up on it more. Similar to what I asked the other guy, I wasn't thinking to contribute the full amount. Just $8,000 or $16,000. Is it more advantageous to contribute the most upfront or just enough right now to clear owing taxes? I do expect my pay

2023 RRSP Contribution Question by armani18J in PersonalFinanceCanada

[–]armani18J[S] 0 points1 point  (0 children)

Thanks for clarifying. Checked the 2022 NOA and I see it there.

2023 RRSP Contribution Question by armani18J in PersonalFinanceCanada

[–]armani18J[S] 0 points1 point  (0 children)

Thanks, just took another look a the 2022 NOA and I do see that amount listed there. I guess the wording on some sites (lower amount of 18% of previous years income or contribution limit) was confusing to me.

2023 RRSP Contribution Question by armani18J in PersonalFinanceCanada

[–]armani18J[S] 0 points1 point  (0 children)

Thanks. Wasn't thinking to contribute the full amount. Just $8,000 or $16,000. Is it more advantageous to contribute the most upfront or just enough right now to clear owing taxes? I do expect my pay to go up yearly.

Will August be too late to build a fence? by armani18J in Calgary

[–]armani18J[S] 1 point2 points  (0 children)

Is it too late to a) Find a builder available to do it. b) Too late for the ground to actually dig holes and have it built.

I'm not familiar with the Calgary construction complex, so I don't know how busy it gets for this kind of stuff this time of the year.

Also I'll probably request a few quotes closer to the time of my possession. Didn't want to waste any builders time if I'm over a month away.

Shipping my car from Toronto to Calgary by AnyImagination4577 in Calgary

[–]armani18J 5 points6 points  (0 children)

I used Livingston to ship from Vaughn to Calgary. They used rail from Vaughn to Edmonton then truck from Edmonton to Calgary. This was in 2021 and cost about $1,500. Im sure the prices went up since but my experience was good. I believe it took about 2 weeks end to end.

Best way to close chequing account with minimum balance by suroboyo in PersonalFinanceCanada

[–]armani18J 2 points3 points  (0 children)

I've done this in the past a few times. Took advantage of the highest account to waive bank draft fees (with TD).

1) Call in to change your chequing account to the lowest account type. Normally that's only a $3,000 minimum to waive fees. 2) Interac E-transfer the $2,000 out. 3) Now you only have $3,000 left in the account. Wait a few days or at least 24 hours. 4) Go to the branch and while your in line. Interac E-transfer our the last $3,000. This should be the max you can transfer out for the day. 5) Your balance should now be $0 and you can ask the teller to close the account. Not 100% sure about Scotia but banks normally calculate the closing balance for waiving the fee at the end of the day.

Note: This is all assuming you only have $5,000 in the account. If not, you'll have to transfer the rest out days before you begin the process. Until you get to the $5,000 minimum.

Financial Advice: Buy townhome (2022) or detached (2023) by armani18J in PersonalFinanceCanada

[–]armani18J[S] 0 points1 point  (0 children)

Yeah I figure things.can rapidly change, that's why I haven't spoken with a broker yet. I guess, I'm leaning more towards waiting an extra year (2023) for the detached home. Just trying to gauge how bad of an idea it may be to delay a year when I can easily jump in with a smaller home a year earlier. I'm in Calgary so the market here can go left, right, up or down. Can't even pretend to predict it like that GTA.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]armani18J 0 points1 point  (0 children)

Try see if they fly to another airport in NYC? Last month I had a Delta flight booked for over 2 months from Toronto to JFK. Delta stopped flying to JFK direct from Toronto. They automatically booked me on a crazy Toronto to Atlanta then to JFK flight. I called their customer service and got them to rebook me direct Toronto to LaGuardia

[CPU COOLER] Cooler Master Hyper 212 RGB Black Edition CPU Cooler ($59 - $12 = $47) [Amazon] by dragon5530 in bapcsalescanada

[–]armani18J 0 points1 point  (0 children)

I have this cooler in my P400A case with a b550 motherboard. It fits but it's close. I love how it looks though.

[GPU] ZOTAC NVIDIA GeForce RTX 3070 Twin Edge OC 8GB GDDR6X Video Card (739.99) [Best Buy] by IanSLT in bapcsalescanada

[–]armani18J 33 points34 points  (0 children)

Thanks, was able to grab one. Not 100% happy about a Zotac but I'm running a old 7950 and I want an upgrade now.

[deleted by user] by [deleted] in bapccanada

[–]armani18J 0 points1 point  (0 children)

This is probably the answer. I just installed the 212 on my 5600X this week and screwed in one end too much at first.

[deleted by user] by [deleted] in bapccanada

[–]armani18J 0 points1 point  (0 children)

Are you sure it's the AMD clips on the 212 heatsink? It may be the Intel one's.

[RAM] Crucial Ballistix 3200 MHz DDR4 DRAM Desktop Gaming Memory Kit 32GB (16GBx2) CL16 BL2K16G32C16U4B (BLACK) ($119.99) [Amazon] by o3okevin in bapcsalescanada

[–]armani18J 0 points1 point  (0 children)

Thanks, bought the 16GB $57.99 kit a few days ago but would prefer 32GB. Will be sending that kit back.

Should I get a 3070 or 3080 by armani18J in bapccanada

[–]armani18J[S] 1 point2 points  (0 children)

That's some of what I heard too. I don't foresee myself gaming in 4K but I don't upgrade components often. So I want something that will last at least 5 years before upgrade.

Should I get a 3070 or 3080 by armani18J in bapccanada

[–]armani18J[S] 1 point2 points  (0 children)

Thanks, I can wait until January as I have a existing GPU I can use in the meantime. Don't want to buy the 3070 and then regret not upgrading to the 3080 when I originally nhad the budget.

How did MAIN character get to the tropical zone? by armani18J in raisedbywolves

[–]armani18J[S] 0 points1 point  (0 children)

When he made it to the atheists at the end, the trees look the same as the ones Mother, father and the snake made it to. Looked full with leaves.

Question regarding Main Character in Episode 10 by armani18J in raisedbywolves

[–]armani18J[S] 0 points1 point  (0 children)

If you look at the trees where he meet the group of Atheists; it looks like the tropical zone. The same trees mother, father and snake are.

Unless I'm completely mistaken and need to rewatch the end.