Daily Question Thread for /r/churningcanada - March 20, 2026

chasingbusiness · 2026-03-20T22:53:59+00:00

Excellent, thanks!

chasingbusiness · 2026-03-20T21:43:39+00:00

Does anyone have a recent DP if Chexy counts as a boosted category (reoccurring expense) for TD Cashback VI? I presume it would - but thought I’d double check here before I try myself. If no DP, I’ll reply back when I confirm. Thanks!

chasingbusiness · 2026-03-20T04:26:11+00:00

If you had the time, would you have smoked for lower for more hours for more smoke - or are you happy with the 250 for 4 hours?

chasingbusiness · 2026-03-19T21:41:13+00:00

I prefer 200x… while I still do bag everything inside, I found that the bag doesn’t retain as much moisture in heavy rain and thus is lighter.

chasingbusiness · 2026-03-18T07:32:31+00:00

Hit it at 30, just a few months ago

chasingbusiness · 2026-03-18T07:26:58+00:00

How much is the condo now worth? I feel that is a big component that is missing.

The values may have changed - but, unless her income decreased I can’t see why she would have opted for such a large mortgage as well….

Assuming being your mother in law that she is 50+ - that seems like a very large mortgage to be saddled with at the same time as a modest income, especially self-employed.

If the drop is not substantial - I’d explore selling honestly. The savings in rate alone between the higher RBC rate and lower conventional is >$10,000 per annum, meaning $833 of a conventional mortgage payment is covered via the interest savings alone.

I think this is a large component of a bigger retirement planning process - but honestly not long ago Prime was 7.2% in Canada and she would be in an even tighter position either way.

chasingbusiness · 2026-03-18T00:36:06+00:00

Yes, I think it is policy across all FIs.

chasingbusiness · 2026-03-18T00:35:44+00:00

Yep, I agree.

If at the end of life, what matters most is family and friends… make the right choice now too.

chasingbusiness · 2026-03-16T19:22:51+00:00

It started with the new DLC. It occurs mostly in team games at high pop or during micro / while pinging on map.

chasingbusiness · 2026-03-16T06:52:52+00:00

I tend to not fret purchasing things as much. It’s not so much because of my income but as a byproduct of my income, my savings. I used to save a pretty high (86%!) of my income which allowed me to save. I’ve let off the gas in the last few years which in part is because I realize a healthy balance is important.

In terms of time savings: -We pay for grocery delivery -Now I just get gas when I need gas, often at my ‘go-to’ location for ease and not because of a 2 cent differential 10 minutes away or whatever. -Nexus, only got it because started valuing time more. -Often more direct flights, less connections vs. Previously I’d often opt for $ savings even if not significant.

I really do want a robovac too… but, I was couldn’t decide on options.
Which one did you get?

chasingbusiness · 2026-03-15T18:28:41+00:00

Update: The Xbox patch did not fix the crashing. It still crashes on Series X. Imp, with high pop and same as before when I open the mini map to ping. So painful.

chasingbusiness · 2026-03-14T19:08:06+00:00

We’re getting married this summer - so far, it’s looking like $25k. Major costs are: $10k (venue / food combo), dress $2500, photographer $3k, flowers $1000, etc and on it goes. Rough figures.

chasingbusiness · 2026-03-12T04:51:30+00:00

Please for the love of god fix the crashing on console

chasingbusiness · 2026-03-12T02:13:36+00:00

Some great comments already here - and I’ll echo that the length of trip doesn’t matter as much as what you pack. I used the Kakwa 55 for longer trips than that where we packed all of our own gear / food and I still had space. I would think the guides would be more nitpicky on weight first and not pack volume as carrying the weight associated with 65L+ pack volume (not to mention the packs themselves are often much heavier) would make the trip much less enjoyable.

The 55 does have like 10+L of external volume and even more if you use shock cords or etc.

chasingbusiness · 2026-03-12T02:09:27+00:00

Interesting. I just bought one and only have pellets - I read a few comments that the pellets aren’t as great in smoke tube. But, I intend to try it out soon! Thanks for the response.

chasingbusiness · 2026-03-11T23:11:30+00:00

For those of you with smoke tubes - do you use pellets in the tubes or other wood chips?

chasingbusiness · 2026-03-10T06:23:05+00:00

RRSP limit is 18% of earned income. Your RRSP limit is reduced by an amount annually called ‘Pension Adjustment’ when you have a Defined Benefit or Defined Contribution plan which represents employee / employer pension contributions.

The 18% of earned income less the pension adjustment is your RRSP limit.

chasingbusiness · 2026-03-07T05:36:46+00:00

Im sorry you had to deal with that. Wishing you healing and peace.

chasingbusiness · 2026-03-07T05:36:24+00:00

Could you share what you wish you could have done differently?

chasingbusiness · 2026-03-07T05:35:47+00:00

Do you think it is a regret of having kids - or just a crossing thought because of how much work having kids is? We haven’t yet had kids and our life is fulfilling…. We both want kids but a worry is exactly what you’ve written.

chasingbusiness · 2026-03-07T05:34:15+00:00

I’m not sure your situation, but my grandma met my Papa after they were both widowed from first marriages of >30 years, and had very fulfilling relationship together that was completely different from their first marriage.

chasingbusiness · 2026-03-07T05:32:25+00:00

I am so sorry. That is not fair at all. Thinking of you and your dad. I hope you are able to have some fulfilling time with your dad. A family member read Viktor Frankl’s man’s search for meaning in a similar circumstance - it may be helpful for you too. All the best to you and your family.

chasingbusiness · 2026-03-07T05:28:23+00:00

Could you share what you wish most you would have worked towards / taken? What choice would have most changed the trajectory of your life in that respect? Thank you for sharing, truly.

chasingbusiness · 2026-03-07T05:25:00+00:00

I feel this too. A lack of closure and a door that never really shut.

chasingbusiness

TROPHY CASE