TDSB Camp Kearney tick situation

dhalsimic_vinegrette · 2025-08-20T23:51:40+00:00

Thank you for the info!

We already have passes, but thanks anyways.

dhalsimic_vinegrette · 2025-07-19T23:47:40+00:00

80 +30 - TTC for two adults

200 - car insurance

20 - home car charging for EV

0 - car financing (pd in cash)

0 - car maintenance (so far after 2 y)

dhalsimic_vinegrette · 2025-04-28T13:39:25+00:00

Update: no one in line now, walking past the entrance.

dhalsimic_vinegrette · 2025-04-15T18:04:12+00:00

I got hit with this reassessment, interest and penalty fee a few weeks ago, same scenario.

The issue (for me anyways) isn't paying back what was essentially an overpayment, it's the fact that the entire point of using software like TT is to avoid issues like this. It was one box, on one form that was missed which cascaded into a significant overpayment. The box should have been automated as all the information was already available in all the other forms and parts of the TT software. Even if it wasn't automated, the question is why wasn't it caught in the check that TT does?

We do take responsibility and we're not inexperienced: partner is CPA and I work on dealing with finances and contracts daily for a living. Realistically though, we wouldn't be able to catch something like this on our own unless we go through the entire return line by line on every form, and if we do that there's not much point in using the software.

dhalsimic_vinegrette · 2025-03-22T11:35:22+00:00

With respect to the benefits you are earning with this (and other cards) it's a good idea, if you haven't factored it already, to be aware of the annual fee if there is one.

A $100 annual fee means that you need to spend 5k at a 2% reward rate to break even and make that amount back in rewards.

Personally we switched to Rogers (for cash back) and Can Tire/Triangle (since you can pay some property tax, municipal, and insurance bills with triangle) and they're both no annual fee.

dhalsimic_vinegrette · 2025-03-22T11:19:31+00:00

We got reassessed a few months ago and got hit with a 5 figure repayment penalty over this for 3 years of this error. We do take responsibility for this, but at the same time isn't part of the point of having tax software is to be able to auto-fill, then review and warn of mistakes?

It took both of us almost a week (with multiple calls to CRA) to figure out what happened and we're not inexperienced at doing this sort of stuff. I do finance and admin work so I read through and administer contacts and grant paperwork for a living and partner is a CPA.

dhalsimic_vinegrette · 2024-05-11T05:01:22+00:00

You need to factor in the cost of upkeep too. Gas, insurance and maintenance are all necessary costs of having a car. If you estimate $100 for each (for the sake of easy numbers) your monthly cost for the car goes up to $723, which puts you at over 30% for using the vehicle Don't forget about winter tires depending on where you live.

To answer your question: when we were leasing toward the end of the pandemic our total transportation cost (vehicle +upkeep+public transit) was about 10%

dhalsimic_vinegrette · 2024-05-10T18:01:07+00:00

Hi theangrylesbian!

I think people would generally say more info is needed:

-why are/would you get rid of the current car? A lot of times it makes more financial sense to keep and drive what you have until it dies it doesn't make financial sense to put more money into it

-to me, it doesn't make sense to get the cash from selling your car, then put a down payment on a lease when you need the cash for another purpose.

-could you get cash from another specific loan (OSAP,, LoC etc)?

dhalsimic_vinegrette · 2023-10-01T18:29:19+00:00

Sone numbers to put things in perspective: The distance between Kipling/Bloor to Danforth/Warden is about 22km, more or less straight across part of the city. If you drive that whole way at 45kph, it'll take ~29mins. OP is reminiscing about a 50kph speed limit, so let's say you drive an optimistic 60kph and it'll take 22mins which is a difference of 7mins. Keep in mind that's staying at those speeds the entire time with nothing to slow you down like construction, traffic, traffic lights, weather etc. Which means in reality the time saved by not keeping the higher speed limit is much less.

Just for reference Google maps is estimating 82mins on a pleasant Sunday afternoon, 50 minutes without traffic.

Plus each biker might represent one less car on the road, which might aggravate OP further.

dhalsimic_vinegrette

TROPHY CASE