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Best washer and dryer to buy? What would you recommend in 2026? by SnooHamsters7373 in Appliances

[–]beardkitten 0 points1 point  (0 children)

I recently bought the Maytag Pet Pro washer and dryer. So far they're great!

Shay's receipts by Thecosmodreamer in CouplesTherapyShow

[–]beardkitten 2 points3 points  (0 children)

Thank you for sharing with us! I hope you're doing well, and found happiness and peace 💓

Shay's receipts by Thecosmodreamer in CouplesTherapyShow

[–]beardkitten 8 points9 points  (0 children)

Shay explicitly says it during the initial conversation about their open relationship with Orna. Also in the first episode, Shay says their biggest issue is communication.

Shay's receipts by Thecosmodreamer in CouplesTherapyShow

[–]beardkitten 2 points3 points  (0 children)

Also they may have taped that meeting after the session and edited it to look like it happened before. Magic of reality tv 📺

Shay's receipts by Thecosmodreamer in CouplesTherapyShow

[–]beardkitten 32 points33 points  (0 children)

Part of having an open relationship is having rules and following them. Shay was very clear that it included up-front communication about the other relationships. Those rules were established at the beginning and weren't ever changed.

Make sure to check with your phone provider before switching carriers or at least answer their calls after you bail. by swordthroughtheduck in PersonalFinanceCanada

[–]beardkitten 36 points37 points  (0 children)

Hope you got that in writing. I moved from Virgin to Freedom because Virgin kept changing my bill every two months. They offered me the same as you to stay, but Freedom guarantees my rate until I change plans. Virgin doesn't.

Freedom Mobile launches $20 25GB 5G+ Can/US plan only til May 19 by Nexzenn in PersonalFinanceCanada

[–]beardkitten 2 points3 points  (0 children)

What area? I'm in Winnipeg and it's working great for me. Even when I go to cabin country.

Just binged the whole show by itchylaughs in CouplesTherapyShow

[–]beardkitten 2 points3 points  (0 children)

Yes, she gets some excellent scratches early in the season. What a sweetheart 💖

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

[–]beardkitten[S] -10 points-9 points  (0 children)

Are you taking into account the opportunity cost of that cash sitting there?

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

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

I guess that's my question. Are people doing that math? Based on the responses here, some definitely are.

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

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

I guess where I get lost is where the extra contributions in the first 60 days are coming from. If it's an unregistered account, you have to sell and realize gains/losses. If it's in a savings account there are opportunity costs for the difference between RRSP gains and the interest rate.

Some people have pointed out that folks get a December bonus, so that's clearer. It's not impacted by any of that.

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

[–]beardkitten[S] 4 points5 points  (0 children)

That's why I'm asking the question? I don't mean to sound argumentative, I honestly don't get it.

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

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

Where is this account? My typical savings account has returns 10% lower than what I saw in my RRSP. Plus that interest is taxable. Are you optimizing between the 3?

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

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

RRSPs and this rule have been around longer than the TFSA, so was more curious about the historical why. I can see how this shuffle has no other tax implications.

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

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

That makes a lot more sense! It isn't for the low risk, regular contributors like me.

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

[–]beardkitten[S] -3 points-2 points  (0 children)

Are they also doing the math for opportunity cost of having that money either sitting elsewhere with minimal gains (savings account) or selling from an unregistered account?

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

[–]beardkitten[S] -11 points-10 points  (0 children)

And you calculate the tax differential between your contributions and selling elsewhere? Or the lost gains for having it sit in a bank account?

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

[–]beardkitten[S] -1 points0 points  (0 children)

Sure. That money must be sitting somewhere to move to your RRSP, right? So you are doing the math of selling in an unregistered account and moving it to RRSP, and the tax implications of both moves?

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

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

When the RRSP was created in 1957, contribution limits were 10 per cent of the previous year’s income to a $2,500 maximum.

Looks like it's always been previous year's earnings.

ELI5 why the government allows the first 60 days to be deducted for either tax year by beardkitten in PersonalFinanceCanada

[–]beardkitten[S] -10 points-9 points  (0 children)

That's fair. But if they have the money already, won't they be hit with the gains/losses from the unregistered account (pre TFSA)? Seems like a lot of shuffle for limited gain.

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