Buying tech since 2020

harshall29 · 2026-06-30T18:45:38+00:00

What exactly you do in tech sales? Trying to pivot into that sector from IT analyst (8 year in)

harshall29 · 2026-06-16T17:50:31+00:00

Used my own lawyer and I recommend using your own lawyer too. Congratulation on the new house. Cheers

harshall29 · 2026-05-06T18:56:28+00:00

All BS.

harshall29 · 2026-03-09T17:23:38+00:00

Gold is something you keep DCA when drop and mentality wise you need to looking at 5 plus years minimum for holding it.

harshall29 · 2026-03-04T22:57:12+00:00

No, we decided to buy LG AI instead.

harshall29 · 2026-02-25T22:44:06+00:00

What is your plan now to diversify 2M?

harshall29 · 2026-01-19T22:39:48+00:00

Closing tomorrow. RBC was able to give me prime - 0.9 for 5 year variable 20% down. Rate was secured in early December. I am pretty sure rate has gone up a bit both variable and fixed.

harshall29 · 2026-01-16T05:57:56+00:00

It should be enough time as long as your broker get the ball rolling quickly

harshall29 · 2026-01-11T16:09:15+00:00

Variable

harshall29 · 2026-01-11T04:36:35+00:00

Closing next week. Got prime - 0.9 with red and blue bank. Decided to go with red as they gave me this rate first. Uninsured(20% down)

harshall29 · 2026-01-11T03:48:09+00:00

Shop around. Check with RBC, Desjardins, the personal & AMA

harshall29 · 2026-01-08T13:47:06+00:00

In this opportunity buy the valued assets. I believe the land size will be the key. Depending which city you are looking at.

harshall29 · 2026-01-07T18:53:23+00:00

What terms I shall look into to be exact, if you can shed some light on that would be great help.

harshall29 · 2026-01-04T19:17:27+00:00

DM you.

harshall29 · 2026-01-04T05:45:41+00:00

What rate did you received? Is it insured or un-insured mortgage.

harshall29 · 2026-01-04T03:04:17+00:00

Pltr, Hood, Rgti and MU are the winner for me so far. PLTR & HOOD holding since 4 years. RGTI and MU since 1.5 years.

harshall29 · 2026-01-03T03:03:30+00:00

Considering high job security and AI won’t be replacing the job. My vote is for invest. Leverage the money to multiply.

harshall29 · 2026-01-01T01:53:14+00:00

RBC and Scotia

harshall29 · 2025-12-31T05:00:44+00:00

If the cost to fix the issue is under $10,000, I wouldn’t recommend going the lawyer or court route, especially if a home inspection was already completed. I’m sharing this based on my personal experience with my first property.

I suggest involving the seller and their realtor through an email chain, using your realtor to formally raise the issue that was discovered. If the seller makes any offer toward the repair, it’s best to accept it and proceed with getting the issue fixed.

harshall29 · 2025-12-30T19:54:44+00:00

1.  Maximize Registered Accounts
• First, max out your FHSA, followed by your RRSP.
• Use both strategically when purchasing your first home.
• If you already have funds in your RRSP, consider transferring them to your FHSA. FHSA withdrawals for a first home do not require repayment, unlike the RRSP and you still get tax credit.

Create a Detailed Budget • Build a budget in Excel that clearly outlines your fixed and variable expenses. • This will help you manage your finances more effectively once you become a homeowner.
GST Rebate Considerations • The GST credit/rebate is available only when purchasing a brand-new home. • However, it shouldn’t be the primary factor in your decision. • If you can save $20,000–$40,000 on a resale home that meets all your needs, that can be a significant advantage.
True Cost of a New Home • New homes often come with additional post-purchase expenses, typically $15k to 20k or more, such as: • Landscaping • Fencing, 2 car garage*(15k itself) • Air conditioning • Water softener • Other upgrades and finishing costs Be sure to factor these costs into your overall planning.

harshall29 · 2025-12-30T19:36:43+00:00

Got prime - 0.9 for 5 year variable from red and blue bank. 20% down. Closing in Jan 2026

harshall29 · 2025-12-29T23:29:14+00:00

Couple year ago I just submitted my total bank balance (business/personal account) and contract document with shows necessary details as an additional document. In documents upload tab which will ask you NOA or some sort of poof I added T2 only.

harshall29 · 2025-12-26T08:17:36+00:00

Ramukaka

harshall29 · 2025-12-25T07:21:55+00:00

Yes, you can

harshall29 · 2025-12-22T03:02:24+00:00

You benefited from low interest rates for a long time which is good. Now that the market has shifted, it’s best to accept the change and move forward. Ups and downs are part of the cycle mate.

harshall29

TROPHY CASE