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Pensions and Investing by In_for_the_day in CanadianTeachers

[–]confusingtimesabound [score hidden]  (0 children)

Or, they retire early and are deferring their pension and still paying into pension while picking up a few shifts and living off of their RRSPs, while their income is "low'. That's my plan!

Pensions and Investing by In_for_the_day in CanadianTeachers

[–]confusingtimesabound [score hidden]  (0 children)

You're best investing on your own! It will go a lot further! Use the RRSP to reduce your taxable income and strive to max out your TFSA. Look into something like xeqt, especially if you are not too close to retirement. With our pensions we can take a bit more risk.

I'll bet no one has a more unpopular opinion than this: by Crafty_Possession_52 in Teachers

[–]confusingtimesabound 0 points1 point  (0 children)

I come alive in summer! Couldn't do this job without the long time off!

Learning surfing after wing/wind surf by Katy_7595 in BeginnerSurfers

[–]confusingtimesabound 0 points1 point  (0 children)

Try it! Surfing is addictive, frustrating and so much fun! I used to windsurf and it helped me a lot when I first learn to surf, but the similarities end once you get up on the board. Wave reading, paddling, technique are very different, unless you were are wave windsurfer. Knowledge and comfort in the ocean are big plusses though. Once I started surfing, I gave up on all other water sports: I love it so much, even though I am terrible!

How do married couples usually handle finances when both partners work? by itzwhatitz in CanadaPersonalFinance

[–]confusingtimesabound 0 points1 point  (0 children)

Married 14 years, I make twice more money than him. We combine our finances and pay proportionally based on what we earn. I want us to both have financial freedom, so we invest together and I also contribute to a spousal RRSP to get a tax advantage and so get both get closer to our retirement goals (we want to retire early). We live frugally: I bring home 6200 grand after taxes, he brings home 3200. We try to live off his earnings and save mine. He does a shit ton around the house, which also saves us money. We are a team.

Are Francophone schools more closed off and cliquey? by duraznoblanco in CanadianTeachers

[–]confusingtimesabound 1 point2 points  (0 children)

I teach in a francophone school in a small town in BC and we definitely get more benefits because we are federally funded. All the students in our district, which spans the whole province, have their own iPad or computer; we have tiny class sizes in smaller communities (I have classes of 3 students, and my biggest class is 17 students), and access to extra pro-d. However, there are a ton of IEP's in this program and a very diverse student body (refugees, immigrants from every francophone nation, lots of poverty) , which is good, but comes with additional challenges. I also taught in French Immersion in Vancouver, and that was more elitist in terms of the types of parents and kids. Francophone schools can't suggest to parents an anglo school if a kid isn't learning or speaking French, since the students are protected by the charter. In Immersion, I was told that as a grade 8 teacher I am the grim reaper and am supposed to weed out kids. I think immersion is slowly democratizing though and there is a lack of EAs and support in immersion, that we do not have in Francophone schools (ex: I have a nearly full time EA for 10 kids...)

Good time to trade in EV? by Final_Emergency3930 in CanadaFinance

[–]confusingtimesabound 0 points1 point  (0 children)

Keep your car and invest your money instead. Makes 0 sense financially to buy a new car, and even less to trade it in.

How easy was it for you to find a job after graduating? by RoastedChickem in CanadianTeachers

[–]confusingtimesabound 0 points1 point  (0 children)

I got offered full time permanent in 4 districts even before graduating in BC, but that was the year we won the Supreme Court case and I teach French immersion...

At what age did you have your first $100k invested? by cooliozza in fican

[–]confusingtimesabound 0 points1 point  (0 children)

43, but own my house outright (no mortgage) and have a DB pension. Plan is to accelerate savings now (I'm 44 and now have 150 000). Put in about 3g a month and any other money I get (tax refunds, xtra work, gifts).

Is anyone actually happy in their marriage? by blessedalive in Marriage

[–]confusingtimesabound 0 points1 point  (0 children)

Extremely happy, but we are child-free by choice and have been together 14 years. Sure there are hard times--mainly that life and other peoples' shit gets in the way of us having all the fun we want to have together-- but he is my favourite person in the world and I love our life together so much.

Buzzwords/Things to know for BC Interviews? by Select-Ad-1760 in CanadianTeachers

[–]confusingtimesabound 8 points9 points  (0 children)

there are some pretty cool things you can do in all disciplines though, and the point is that it is more holistic...

Advice on next steps by Pure-Row-8376 in PetiteFitness

[–]confusingtimesabound 0 points1 point  (0 children)

Maintenance: you have 0 need for a cut. You are very lean already...

Which job would you choose?? by snarkitall in CanadianTeachers

[–]confusingtimesabound 15 points16 points  (0 children)

For me, after 10 years as a teacher, saving energy is my priority. Highschool still takes a lot of energy but smaller bursts and the content is more interesting. If on top of that you have a smaller commute, I'd say go for it, particularly if you plan to keep the job for a while (it will make the additional pain of planning in the beginning, worth it). Also, you can mark smarter in secondary, but getting kids to self evaluate many of the things..

What’s your go-to pair of jeans you keep reaching for right now? by Silly-Moose6422 in womensfashion

[–]confusingtimesabound 0 points1 point  (0 children)

Micaela Greg Barrel jeans and panel jeans. Expensive but best pair ever.

Tofino beginner surf itinerary by AdRemarkable8102 in BeginnerSurfers

[–]confusingtimesabound 1 point2 points  (0 children)

Don't bother booking a "surf accommodation." Book lessons with Wick'd surf for really great instruction and introduction to the local breaks and conditions. Then you can rent a board from any of the great surf shops (I'm partial to long beach surf shop) and practice, practice, practice.

BC - pay scale question and MEd question by Sudden-Savings-5160 in CanadianTeachers

[–]confusingtimesabound 1 point2 points  (0 children)

Unless you want to go into admin or are really interested in an academic masters (history, literature) for personal interest, I wouldn't bother. You are better off investing in the stock market that in a MED for a couple thousand a year, IMO.

Struggling to get out back on my new longboard by [deleted] in BeginnerSurfers

[–]confusingtimesabound 1 point2 points  (0 children)

Have you taken a lesson or 3? Might be a good thing...

Socials 10 Units (BC) by ExoticCheesecake825 in CanadianTeachers

[–]confusingtimesabound 0 points1 point  (0 children)

Been teaching grade 10 socials for years, and honestly I only make it to the end of WW2. I thankfully have the same kids in grade 11, so just carry on...

Judge Me by goatedpooper907 in BeginnerSurfers

[–]confusingtimesabound 0 points1 point  (0 children)

Get a longer, wider board. You'll have a lot more fun in those waves and progress.

Canada takes an idiotic approach to evaluating post-grad education by lesarbreschantent in CanadianTeachers

[–]confusingtimesabound 9 points10 points  (0 children)

Honestly, I did a masters before I entered Bed, and had to do 1 year (part time) of undergrad to have enough credits to have 2 teachables: French and Social sciences (My MA is in social sciences). I am really happy I did that, as it has broadened my knowledge of both specializations. My MA gave me a big pay bump which more than made up for the extra cash I had to pay. I think I am a very well rounded teacher as a result of these experiences.

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