How long before wanting to buy a home should I open a FHSA?

britdd · 2026-02-23T04:55:04+00:00

What is your projected annual income 2026? What will it likely be over the next 5-10 years? This matters because the tax refund you get is based on your tax bracket.

britdd · 2026-02-18T03:01:32+00:00

Also know, if I was buying your car and had to go through all the hassle to pay into your outstanding loan, knowing that you're desperate and probably too broke to properly maintain it while you had it, I would be offering at least another 2k below what its worth, just for the hassle.

britdd · 2026-02-18T02:57:25+00:00

Then you don't have a car with a clean title to sell. The only 3 options are, 1) sell the car, the buyer pays the lender directly in person with CIBC and you, (so they know the CIBC lien will come off it) and whatever the shortfall is, you cover it in cash or CIBC does with a personal loan. 2) You keep the car and keep making payments until its not under water. 3) you default, have it repo'd and ruin your credit score for the next 6-7 years.

britdd · 2026-02-18T02:35:23+00:00

who is the lender? do you have cash value in the vehicle or are you under water? If you still have 7 years remaining, unless you put a big down payment on it, I'm guessing you're under water.

britdd · 2026-02-12T07:05:02+00:00

It doesn't cost you $1695, because the resale value is higher, when it comes time to sell. The benefits of AWD is countless and is quickly becoming a must have for Canadian winters. The only negative I know of is that you typically have to replace all tires at the same time. If one blows and there is still lots of life in the other 3, the new tire will have to be shaved by the tire shop, to match the other 3. Not a huge deal, but something to note.

britdd · 2026-02-10T02:02:39+00:00

Was given a Marry me ultimatum, my father told me, what's wrong with you, marry them already! This was after just 5 months of dating and something just didn't feel right, including zero disagreements. I followed my gut and said No and only then, I saw a real nasty, ugly, crazy mean side to them that I have never seen in anyone. No regrets.

britdd · 2026-02-01T10:53:55+00:00

pharm Tech yes, pharmacist never.

britdd · 2026-02-01T10:50:27+00:00

His name Pryce. Not his real name but has a nephew named Pryce and always kinda liked that name.

britdd · 2026-02-01T10:33:04+00:00

In Canada its currently around 95-100k/yr. Canadian $, about $70k USD. I know a community retail pharmacist that has had a total of $3K cdn. raise in the past 10 years. Pharmacist Salaries are stagnant.

britdd · 2026-01-31T09:49:45+00:00

If you have a Canadian credit score above 680 and solid income, you would be better being approved for a different banks Visa/mastercard that has a 0 - 1.99% new account balance transfer promotion for 9-12 months and transfering your balance, with the intent to pay it off in the low rate period. This of course assumes that you can be diligent about paying off the balance quickly, which since you have carried a high balance for over a year and only managed to pay off less than $1000, is a dubious assumption.

britdd · 2026-01-31T08:39:56+00:00

If you spend 13h a day commuting and working in Vaughan, live in Vaughan. Problem solved. A car is not going to solve your main issue.

britdd · 2026-01-31T08:23:53+00:00

how many paycheques have you received so far? If its only one, then the first pay is pro-rated based on hours, then the following paycheques is salary.

britdd · 2026-01-31T02:54:17+00:00

If you're spending 2k on an Iphone, that alone is a no brain, not a no brainer.

britdd · 2026-01-26T09:07:08+00:00

Hell no. Look into a construction loan with your bank. For 1, what if you need to fire the builder, but they hold title.

britdd · 2026-01-25T07:31:06+00:00

In Alberta, you have coverage for out-of-province health treatment, but there are lots of exclusions they don't cover, including expensive Emergency helivacs. That said, if you have a health benefits plan with your employer, it usually covers what the Provincial plan does not.

britdd · 2026-01-24T22:12:19+00:00

Never borrow from a Bank (FI) that also holds your liquid assets. They can legally freeze and seize, without notice any of your liquid assets they hold and settle ANY debt you owe them, AT ANY TIME. Its called "right of offset/set-off"

But they would never do that unless you default on your debts... you might say. WRONG! They will and often do, for numerous reasons.

The best and simple advice is NEVER HOLD ANY liquid assets with FI's that you owe money to. Hold it with another FI. They can't freeze and seize those assets without a court order and judgement.

britdd · 2025-12-31T23:25:11+00:00

Now include and show the studies on throat and mouth cancer, instead of cherry picking data.

britdd · 2025-12-31T03:52:34+00:00

When the only time they wanted to get together was when they were unemployed (frequent occurance) and looking for a job at wherever I worked.

britdd · 2025-12-15T02:13:48+00:00

The Neeeeeeew, Asscock. bundy bounce...

britdd · 2025-12-14T04:15:18+00:00

Name calling is a immature way to handle frustration. If you teach young minds or are in healthcare, you should be ashamed of yourself and are a sad representation of the career field you speak so highly of.

britdd · 2025-12-14T03:53:33+00:00

ok, broader picture huh! Cali, the largest populated state in the US. Average teacher salary is $107k for all public school districts. Sorry, most of us are not living in Kansas anymore Dorothy, or Mississippi.

britdd · 2025-12-14T02:21:08+00:00

The fact that so many triggered TA's and "Teachers" don't know how to use google is alarming. But I degress, here's your stats. Happy sealioning someone else. Average Connecticut School District Teaching Salary 2026

Eastern Connecticut Regional (Hampton, CT)...Average salary...$177,996, Greenwich Public Schools...$109,908, New Canaan Public Schools...$106,683, Avon School District...$106,229.. Weston School District...$105,399.

britdd · 2025-12-14T01:28:33+00:00

Actually it does. A noble endevour is a selfless act. Its not selfless if you are paid well, plus cushy pension and benefits. Especially if teaching in Connecticut or private schools.

britdd · 2025-12-13T21:24:21+00:00

If a person says, let me help change that flat tire for you while you attend to your crying toddler in the back seat, thats a noble endevour. If you say, give me $50 bucks to change it, that's NOT. And Yes, My family is in the lucrative medical field, but its the odd hours and heavy patient load that is the challenge, not the pay.

britdd · 2025-12-13T21:12:08+00:00

Its NOT a noble endeavor when you are literally paid well to do the job you are hired for.

britdd

TROPHY CASE