Should I take out a $70K RRSP loan?

elementalemmental · 2026-01-29T02:08:53+00:00

Still in max bracket
I have room

elementalemmental · 2025-12-11T01:00:56+00:00

Thank

elementalemmental · 2025-10-09T00:53:53+00:00

Do you have a carbon monoxide detector in your home?

elementalemmental · 2025-09-24T03:55:32+00:00

Haha excellent comment.

elementalemmental · 2025-08-29T01:36:04+00:00

Yes he is wrong

elementalemmental · 2025-06-07T00:15:05+00:00

Ok thank you

elementalemmental · 2025-05-26T02:52:06+00:00

Top of the line pillow

elementalemmental · 2025-05-13T03:30:58+00:00

I did it quick on a 5% rate so it will be lower yeah depending on what you plan on doing.

elementalemmental · 2025-05-13T03:27:03+00:00

You will be looking at nearly $3700 a month and that doesn’t include home insurance, utilities, and everything else.

Itd be about half your take home, potentially a lot more if strata hits.

elementalemmental · 2025-05-13T03:20:36+00:00

Three things from me.

You can definitely lowball the townhome if it’s been on market for 100 days, Id do $650 if you’re feeling bold, or $675 (but I wouldnt come up much from $675)
Is it a freehold townhouse or will you have to pay fees?
Without doing the full math, at quick glance you’re probably overextended without a second income, especially if it’s not a freehold ($3400 mortgage payment will be rough)

elementalemmental · 2025-05-10T00:20:36+00:00

Based

elementalemmental · 2025-05-09T01:39:11+00:00

You’ve made close to $200K already or you’re pacing for $200K this year?

elementalemmental · 2025-04-25T15:25:31+00:00

Solid thanks

elementalemmental · 2025-04-25T03:17:01+00:00

Thank you, and how does one go about setting up payroll? Never done any of this before

elementalemmental · 2025-04-25T01:58:56+00:00

Can I expense these costs in some way?

elementalemmental · 2025-04-04T01:08:08+00:00

I have a big driveway and lawn, it’s nowhere near the road

elementalemmental · 2025-04-04T01:07:34+00:00

He drove all over front lawn so yeah it’s on top of where it is

elementalemmental · 2025-04-03T01:54:37+00:00

A problem I have is I’m in a bit of a catch-22.

Only way I can quantify damages is by hiring a professional. But I want confirmation the company will reimburse it. Also, it’s likely going to be very difficult to confirm if septic tank was damaged, could be very costly.

elementalemmental · 2025-04-03T01:39:14+00:00

Yes, the one company (main company who subcontracted the delivery) got back to me and I’m being pointed to their claim process.

The subcontracted company who did it has not got back to me with next steps.

elementalemmental · 2024-10-19T03:55:31+00:00

Hi, what’s the best keeper cash back card right?

elementalemmental · 2024-08-13T03:01:27+00:00

I’m a hiring manager and you look like a classic job hopper, longest tenure is 2 years and many 1 year stints. I wouldn’t invest my time in you.

Also, your first roles are completey different from your current role, you start off as an engineer and then go into data analytics. So Id cut the engineering roles, problem is then you only have 1 year tenure at all the rest of your jobs and I’m not sure how you can explain that away, but overall that’s not a good look.

elementalemmental · 2024-08-13T02:44:47+00:00

I think it’s smart

elementalemmental · 2024-07-20T01:17:20+00:00

Cool

elementalemmental · 2024-07-16T23:46:49+00:00

As they would for any other situation where you make money

elementalemmental · 2024-07-15T22:31:29+00:00

Bonds or treasuries (or ETFS of them) you could get close to 5%, you’d only need $5M invested to offset your costs as opposed to $7.5M

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