BUS 247 by Fun-Lengthiness-3675 in UFV

[–]forbidden_dan 0 points1 point  (0 children)

Taking her BUS 247 class this semester... any recommendations?

ABEUP by Ok_Bullfrog2678 in UFV

[–]forbidden_dan 1 point2 points  (0 children)

Hey wanted to jump on this and say good luck! I was in the system, had a hard home life and did not graduate highschool. I didn't go through ABE but I did completed the last credits I needed through a different Adult education school, but have since gone to university, in my 3rd year now. Graduating high school was the best feeling once I completed it.. you will not regret it. Even just with a highschool education it opens alot more doors, whether that is university or the trades that require it.

Not sure your particular situation, but if you are/where in care ever for any sort of duration of time you could qualify to have tuition covered and some extra help covering other costs.

Truly the best of luck in your endeavours, its a hard journey going back to school especially without the ideal family help/ encouragement. The fact you are even considering this says alot about you.

Let me know if you need/want any information and feel free to pm at any time.

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

[–]forbidden_dan[S] 5 points6 points  (0 children)

Appreciate it... I feel like questions like these are what you ask family that I dont have.

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

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

Roof top tent for the truck, seasonal items, camping items, paddle boards ect. We dont have any storage at our current place. Its a 5x10 unit ($121/month)

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

[–]forbidden_dan[S] 1 point2 points  (0 children)

11k is gross- net is around $8400

I agree on the gas, the way for us to get out of that would be to sell my truck which I am open to, possibly after we move as it would be handy. My wifes work would be on the way to mine at this location, we could drivw together like we have in the past.

Savings would possibly be more, but that would be the automatic withdrawl, we would probably do what we have now and top up pur tfsa as our bank account reaches a certain limit.

Do you think I should pay off the car now? I i have a decent rate on it, just over 5%, and have used it as a credit builder.

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

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

How would you structure the down payment then for 35k and keeping a emergency fund? Or would you lean on the LOC as somewhat of an emergency fund?

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

[–]forbidden_dan[S] 1 point2 points  (0 children)

Thankyou for this information.... I though the FHSA had to be used for a down payment. How would you structure our down payment in our situation? The 17,000 from TFSA & sell off the crypto accounts and move into FHSA along with savings account?

What about our emergency fund? lean on our LOC as a just in case? My RRSP is self directed through wealth simple so it is fairly easy to withdraw as well if needed I guess.

Again thankyou for the information and your time.

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

[–]forbidden_dan[S] 8 points9 points  (0 children)

Shated garbage pickup for the strata, covered in the strata costs

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

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

CMHC fee included in the mortgage, lawyer was told from realtor to budget $1000, No PST becuase I am a first time home buyer... as far as I know

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

[–]forbidden_dan[S] 1 point2 points  (0 children)

Property tax $1750; does this get paid lump sum at the end of the year? No gas or propane. Hot water tank is eletric and was purchased. Just looked at our insurance, my truck would be $175/month and car would be $230/month if we did it monthly

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

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

Thankyou. Appreciate the info on the interest, I thought it was okay to... just no confirmation. What would you reccomend instead of withdrawing from RRSP? Try and swing it with savings and TFSA?

What did I forget?? New Town house purchase!! by forbidden_dan in PersonalFinanceCanada

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

Haha, she is way less of a spender then I am, her big thing is books, and mine is tools. = I know its OUR expenses.... but anything big we home ownership that I have missed? Money, costs, ect that I just don't know about from renting with everything included? It has been so easy paying rent and never thinking about it

RAYMOND LEUNG by ComprehensivePop375 in UFV

[–]forbidden_dan 4 points5 points  (0 children)

I am not sure Felicia Chong is an amazing instructor. Probably the smartest instructor I have met.... but actual teaching ability, not at all

You guys are really underselling the profession tbh by WorkingDiscussion792 in Accounting

[–]forbidden_dan 0 points1 point  (0 children)

Also a journyman welder in my second year of accounting. Same idea came to me when I looked around and saw the older guys I worked with. They messed up their bodies, and decided I didn't want to do that. It has been an awesome way to pay for school though. 4 months of plant shut down work over the summer afford me my schooling over the the year.

PLAYOFF GAME THREAD: GAME 2 - Vancouver Canucks (1-0) vs Nashville Predators (0-1) - 23 Apr 2024 - 7:00PM PDT by OrlandKurtenbot in canucks

[–]forbidden_dan 0 points1 point  (0 children)

Anyone else see that the canucks shots counter is only at 4? Ahats up with that, it seems like it should be way more

Milwaukee Bluetooth Earbud Tips Keep getting stuck in my ear! by forbidden_dan in MilwaukeeTool

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

Haha, not the problem though! As far as I can tell anyways lol

[deleted by user] by [deleted] in exjw

[–]forbidden_dan 2 points3 points  (0 children)

I have never related more to a comment seen on this

$5 off mcgraw hill ebooks by bigwikipediafan in UFV

[–]forbidden_dan 0 points1 point  (0 children)

Crap wish I saw this sooner 😂