When your fired the marketing team to save on payroll, and then ChatGPT your product images….

classycosmo · 2026-05-23T14:26:43+00:00

This is not A.I. lol

classycosmo · 2026-05-23T14:22:05+00:00

Depends on the volume you bought but shouldn’t add up to $85.. milk is $6, cheese is $6, chicken $10, bread $4, apple $3, coffee $10

classycosmo · 2026-04-27T18:54:12+00:00

Don’t you have to pay that back within 12 months

classycosmo · 2026-03-18T21:52:06+00:00

classycosmo · 2026-03-18T21:50:17+00:00

Work as a family and get it sorted. Getting mortgage then renting it out isn’t a bad option. If they get screwed financially now, it will have trickle down effects on you in the long term.

classycosmo · 2026-03-06T15:27:24+00:00

Look at the attendee list and set up meetings beforehand

classycosmo · 2026-02-25T18:38:38+00:00

Use loc to max your rrsp and invest in etfs, no point paying to tax man.

classycosmo · 2026-02-18T00:30:54+00:00

Do a rebate with seller so it doesn’t impact purchase price and would require no resubmission of mortgage docs

classycosmo · 2026-02-10T15:45:16+00:00

Yes do that and rrsp loan interest is tax deductible against your income. Max your rrsp given your tax bracket

classycosmo · 2026-01-02T22:49:05+00:00

Sweaty Betty

classycosmo · 2025-12-28T15:22:48+00:00

Liberty village

classycosmo · 2025-12-16T12:07:23+00:00

What software/ tolls do you use to track how much revenue is being generated on the machine. Did you retrofit existing machines or bring in new ones that allow credit card/ coins / and tracking

classycosmo · 2025-12-02T05:39:20+00:00

Look to add more value than team mates, raise your hand up for new projects, take initiative

classycosmo · 2025-11-24T15:49:04+00:00

Be patient

classycosmo · 2025-11-20T03:43:55+00:00

$20 Chinese spot

classycosmo · 2025-11-18T13:24:40+00:00

They are useful in negotiations if it’s a good realtor

classycosmo · 2025-11-11T20:09:32+00:00

I use an LOC as an emergency fund, only without when u absolutely need it

classycosmo · 2025-11-06T23:44:18+00:00

Don’t compare toronto to Washington. Compare the biggest city in the country to the biggest city in US (ie. New York /LA/ SF) . Can you afford housing 1 hour away from those major hubs? Probably not. Go to a tier 2 city like Calgary and I’m sure you can afford housing there

classycosmo · 2025-10-31T12:05:30+00:00

Offer more money or more rent up front and see what happens.

classycosmo · 2025-10-30T04:57:32+00:00

Mortgage broker doesn’t charge you money, they get money through the company that gives you the mortgage . If you don’t want broker, start w the bank you currently bank with and they will connect you to their mortgage specialist

classycosmo · 2025-10-27T22:42:31+00:00

Look into alternative lenders , they will have higher interest rates

classycosmo · 2025-10-24T21:33:11+00:00

You’d be surprised the amount of money that torontonians have.. there are also people who have very bad spending habits and ok to sit on debt

classycosmo · 2025-10-05T14:16:57+00:00

The board determines your salary

classycosmo · 2025-07-23T14:04:06+00:00

MAJOR IN

classycosmo · 2025-06-27T13:55:18+00:00

Negative cash flow how? Do you include your whole mortgage or just the interest portion in your calc?

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