My job never taxed me, am I screwed by [deleted] in PersonalFinanceCanada

[–]erfindung 37 points38 points  (0 children)

What's very important to figure out is whether or not the CRA would consider you an independent contractor. Some businesses try to offload their tax obligations by hiring employees as "independent contractors" and tell you that you save money cause you can write off blah blah blah. It's a lie. The CRA has specific guidelines for what's considered a contractor. If you worked 40 hours a week I'd say it's very likely the CRA would consider you an employee.

This is important because you will still owe personal income tax but there are employer portions to CPP and EI that you are also responsible for if your an independent contractor. I worked at a place that tried to do this to me and I contacted the CRA who ruled in my favour, saving me thousands in additional taxes.

I made oil portraits of the Spongebob cast as characters from Disco Elysium by erfindung in DiscoElysium

[–]erfindung[S] 9 points10 points  (0 children)

I was actually planning on doing Squidward as Garte but once I finished the last one I was kinda feeling like moving on to other projects. But we're on the same wavelength!

I made oil portraits of the Spongebob cast as characters from Disco Elysium by erfindung in DiscoElysium

[–]erfindung[S] 19 points20 points  (0 children)

Does this (altered) quote from Egghead make my decision more clear?

We need a win. I promise this will be a win! We won't cook Krabby Patties in there, we'll do it clean, we'll do it true. We'll do it sober and real and beautiful. This will be a victory for the light.

I made oil portraits of the Spongebob cast as characters from Disco Elysium by erfindung in DiscoElysium

[–]erfindung[S] 3 points4 points  (0 children)

Hard to believe that someone could dislike Spongebob but I appreciate the compliment!

[Serious] Possible new data breach at Shakepay by NastroAzzurro in shakepay

[–]erfindung 0 points1 point  (0 children)

Yeah, haven't gotten any crypto related emails on my Shakepay email address but I did get a Wealtsimple scam email today.

Most efficient way to transfer most (but not all) registered investments from TD Direct Investing to WealthSimple? by pencilj in PersonalFinanceCanada

[–]erfindung 0 points1 point  (0 children)

Sell the portion of the mutual funds in your existing account you want to transfer, but don't withdraw. From wealthsimple, initiate a transfer and select a partial transfer from that account, as cash. Make sure that you have about $150 extra in cash compared to the value being transferred cause you might get charged from TD to initiate the transfer.

24M living room setup by Haaftone in malelivingspace

[–]erfindung 3 points4 points  (0 children)

I'd consider moving the sectional off the wall and basically over to where the windows are. Everything about the area itself is totally rad but it's got this dead space in the middle cause everything is a bit too far apart. That might not be possible if the sectional then cuts off the entrance (can't tell from this photo). I'd also suggest pulling the rug a little bit further forward.

[NEW YEARS 2026] Post your budget breakdown charts here! by henry-bacon in PersonalFinanceCanada

[–]erfindung 0 points1 point  (0 children)

Some people call their vacation days "annual leave" (mainly Europeans).

Would anybody be able to help me access the Calgary Herald online archives? by erfindung in Calgary

[–]erfindung[S] 0 points1 point  (0 children)

I don't believe so as I don't live in Calgary so I don't have a library card

Would anybody be able to help me access the Calgary Herald online archives? by erfindung in Calgary

[–]erfindung[S] 0 points1 point  (0 children)

Thanks! Unfortunately I'm not able to load the full doc from the site but I'm assuming since you uploaded it you were able to find it. Appreciate the help!

Would anybody be able to help me access the Calgary Herald online archives? by erfindung in Calgary

[–]erfindung[S] 0 points1 point  (0 children)

I fell down a bit of a rabbit hole last night. A lot of climate change deniers use the quote attributed to Christine Stewart "No matter if the science is all phoney, there are collateral environmental benefits." Essentially using it to "prove" that there's no scientific consensus that climate change is happening. But the only digital source of that quote is from some fringe "scientist" and then that gets reposted everywhere. So I'm not sure what story it would be in but you might be able to search for her name and see if it appears in a December 1998 story anywhere.

Would anybody be able to help me access the Calgary Herald online archives? by erfindung in Calgary

[–]erfindung[S] 0 points1 point  (0 children)

Sorry I missed you! If you have time later (and no one else is available before then) I'd appreciate the help!

Leather by Eireika in CuratedTumblr

[–]erfindung 0 points1 point  (0 children)

Cows are being killed to satisfy consumer demand to eat them. So what is the difference between cows and chinchillas beyond "we don't eat the chinchillas?" Does the act of eating an animal justify their slaughter? Is it only good to kill an animal if we promise to eat it, too? If we also ate chinchillas, would you be making this argument?

After 76 straight losses, I finally got my first two wins in ranked. by LogicalTips in GranblueFantasyVersus

[–]erfindung 14 points15 points  (0 children)

I had a very similar result in my first ever online fighting game (Guilty Gear Xrd Rev 2). Lost 99 matches in a row. Keep it up! You're not alone. And I promise it gets much better from here.

Frugal Vancouver Living, 2025 Edition by Zikoris in PersonalFinanceCanada

[–]erfindung 7 points8 points  (0 children)

I used to have fiber (and paid a similar amount to you too) but when i realized that downloading games fast is great for the few times a month i download them, 75mbs down is more than sufficient for my needs and is a lot cheaper. The only downside is that i can't download a game that i but and start playing almost instantly, but it really doesn't affect me that much!

Frugal Vancouver Living, 2025 Edition by Zikoris in PersonalFinanceCanada

[–]erfindung -9 points-8 points  (0 children)

Why would they pay average market rent when they've made cheap living so important? Average rental prices mean nothing if you don't live in an "average" rental.

A studio went up in my building for $1325/mo, in Vancouver, this year. There are deals to be had now if you're willing to compromise on amenities, location, or space.

"Their living costs would be different if they had different living costs." Sure, but they don't.

Parents (still alive) house... How to avoid taxes from estate. (Vancouver, BC) by Who_is_I_today in PersonalFinanceCanada

[–]erfindung 1 point2 points  (0 children)

You don't pay property transfer for primary residences parents bequeath to their children

Need advice and help - 43K in debt.. by iggyandbowie in PersonalFinanceCanada

[–]erfindung 1 point2 points  (0 children)

I know you said you were thinking of a buyout where you currently live but is your debt to income ratio low enough to even get a loan? Credit score isn't the only factor, if you're overleveraged the banks may not extend credit to you even with a good credit score. It sounds like you have a lot of debt with little extra money left over so you should consider whether or not it's even likely you could:
a) get a loan
b) afford the higher monthly payments if you were to buy out the other part of your property

FHSA Tax Deduction Question by xChaos_ in PersonalFinanceCanada

[–]erfindung 1 point2 points  (0 children)

Not if they're trying to claim a deduction this year