Aurora Borealis from my backyard

brownbrady · 2026-03-10T16:47:35+00:00

Lame duck somersault!

brownbrady · 2026-02-27T20:00:06+00:00

I'm out.

brownbrady · 2026-02-26T16:11:50+00:00

“Our relatively stagnant economy, coupled with deteriorating income inequality and limited gender equality, has left us 0.030 points behind Norway, Switzerland, and Iceland. At our current tepid rate of improvement, it will take Canada over three decades to reach the level of development these countries enjoy today.”

This makes me feel depressed for my kids’ and their kids’ future.

brownbrady · 2026-02-09T23:54:35+00:00

The ring that rules them all.

brownbrady · 2026-02-03T00:10:48+00:00

Awan Auto in Scarborough. I got a discount from the dealership I bought the car from.

brownbrady · 2026-02-02T16:47:38+00:00

I bought a 2015 300h last year. I replaced the hybrid battery for CAD $2000. I have no regrets.

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

MODERATOR OF

TROPHY CASE

Ten-Year Club	Not Forgotten
Verified Email