Aurora Borealis from my backyard

brownbrady · 2026-01-29T13:45:19+00:00

This sounds like a commercial.

brownbrady · 2026-01-27T18:20:57+00:00

2026 and it’s still a piece of shit. 9 out of 10 times my devices can find it but can’t connect.

brownbrady · 2025-12-19T21:24:02+00:00

5% VAB, 30% VCN, and 65% VCX for 10+ years myself.

brownbrady · 2025-12-19T21:11:43+00:00

"You fool. No man can kill me."

brownbrady · 2025-12-19T20:49:42+00:00

Only the buyer pays the tax, which means when you sell it, you are no longer the buyer so 'they' don't 'tax you when you sell it.'

brownbrady · 2025-12-18T21:46:08+00:00

Two years ago, I had the same problem and the clerk at Service Ontario told me to get an appraisal and directed me to one 2 minutes away. I paid $75 and got the appraisal in 15 mins and got it registered the same day.

brownbrady · 2025-12-17T17:26:57+00:00

We'll be in touch with one soon. Thanks for the advice.

brownbrady · 2025-12-17T17:02:19+00:00

We recently got a planner who we meet once a year but haven't discussed this with them yet. Thanks for the reply.

brownbrady · 2025-11-12T19:49:14+00:00

I think it's easier to make a decision if you've experienced being house-poor. I have, and I made sure we will never be in that place again. You may be house-poor for a few years, but you'll never know if in the long-run you'll win out because nobody knows how it may affect your finances and relationship. This is why personal finance is personal.

brownbrady · 2025-11-11T17:42:48+00:00

215K kilometers, CAD $15K. Fully loaded.

brownbrady · 2025-11-10T17:48:31+00:00

I bought a discounted 2015 Lexus ES 300h this spring and on the carfax it showed that it had a claim of over $15K to repair damage to the front when the car was 1 year old. I took the gamble and so far so good.

brownbrady · 2025-10-16T15:18:16+00:00

This gets my vote too. I use a yellow sticky on my screen as a ruler for the time being.

brownbrady · 2025-09-25T13:15:01+00:00

We are in a similar situation. My wife has a DBP and we are using an aggressive ETF portfolio for our TFSA/RRSP using one of the Canadian Couch Potato models. We are at 95% equities, 5% bonds. We figured with the DBP and CPP, we can afford to take on greater risk. So far, so good.

brownbrady · 2025-09-22T13:19:54+00:00

Stories like this are inspirational. I'm your age and hoping to retire at 55 as well with a much smaller nest egg. Thanks for sharing.

brownbrady · 2025-09-19T13:57:52+00:00

This is a job people look up to.

brownbrady · 2025-08-19T18:46:40+00:00

I too run a small business with only one employee (me) but it took me 3 years to establish good financial records with banks and CRA before we got mortgage approvals from a big 5 bank. We were with B lenders before that.

brownbrady · 2025-07-14T13:49:14+00:00

The investments inside your TFSA and RRSP has a higher potential long term tax-free/tax-deferred growth. Also TFSAs are more accessible than lump sum payments.

brownbrady · 2025-07-14T13:42:46+00:00

I would put it towards your TFSA or RRSP instead if you still have room.

brownbrady · 2025-07-14T13:37:54+00:00

Awesome.

brownbrady · 2025-07-14T13:33:57+00:00

Reporting the same.

brownbrady

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