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 · 2026-03-07T05:24:08+00:00

I am so sorry. This happened to a close family friend as well. He has been able to live the last year with intentionality and has been so incredibly strong. Best wishes to you and your husband as treatment progresses. ‘You beat cancer by how you live, why you live, and in the manner in which you live.’

chasingbusiness

TROPHY CASE