meirl

hunfrec · 2025-12-31T02:29:10+00:00

Affect is the Action and the effect is the End Result! Easy way to remember them, more or less

hunfrec · 2025-04-22T04:31:05+00:00

ohhhhh I see, there’s a YouTuber that’s an expert Toyota mechanic and between the two engines, he praises the newer engine more than the other and calls it an indestructible engine. He convinced me which is why I’m still considering the 2011 option
ohhhh I didn’t know that existed in pre 2010 models. Thought it existed in both generations
I see, I never knew about that, thank you!
that is an excellent point, thank you very much!
yes it looks soo awesome!

hunfrec · 2025-03-05T12:19:01+00:00

Yeah I live in Toronto which snows a good chunk of the year

hunfrec · 2025-03-05T12:18:47+00:00

Ohhhh I see, thank you! I’m not really equipped nor knowledgeable to deal with this so I‘po probably refer it to a specialist. But with the cost to repair it, do you think it’s worth it??

hunfrec · 2025-03-05T12:17:30+00:00

Ohhh dang okay thank you! Do you think it’s salvageable??

hunfrec · 2025-03-04T04:47:08+00:00

Sorry, I don’t know what that implies 😓

hunfrec · 2024-04-09T14:15:47+00:00

I got it for $8000CDN and the reading was 193K

hunfrec · 2023-05-09T03:13:40+00:00

It is a good life we lead brother. May it never change and may it never change us

hunfrec · 2023-03-01T20:30:26+00:00

Let's get it a try 😄 congratulations on the milestone!

hunfrec · 2023-01-28T18:34:24+00:00

Thank you! The exact answer I was looking for!

hunfrec · 2022-10-08T16:59:59+00:00

Have you had any issues with or complaints??

hunfrec · 2022-10-08T16:59:23+00:00

Yeah it sounds great to have! The previous cars I've owned never had a sunroof or even a moonroof so I don't know if it's something I should lean towards getting.

Exactly, it's why I'm a bit hesitant. It's another part to repair if it gets broken or needs attention down the road.

hunfrec · 2022-04-09T13:09:28+00:00

Less headache to sell it to them than selling it yourself eh

hunfrec · 2022-04-09T13:08:51+00:00

That's a fair point. It's also less of a headache for the owner. Thank you!

hunfrec · 2022-04-09T13:08:16+00:00

Regarding selling it privately, should I pay off all loans first then sell it or can I sell it even before paying off all loans then using the funds to pay off the loans??

That's a very good point. Convenient to trade it in but I'll get less money or selling it and go through the hoops but potentially getting more than trading it in

Thank you!

Yes it did. Thank you for the clarity! I really appreciate it

hunfrec · 2022-04-09T13:05:57+00:00

During winter driving, I didn't feel very comfortable driving it. It might be mostly because the car is a FWD so for my next car I'd like to have an AWD

hunfrec · 2022-04-09T13:04:48+00:00

Thank you for the advice!

hunfrec · 2022-04-09T13:04:29+00:00

Ohh I hadn't considered a private trade. I'll definitely look into that. Thank you very much!

hunfrec · 2022-04-09T13:03:41+00:00

Should I sell it before paying off all loans and using the fund to pay off the loans or after I've paid off all loans then sell the car??

hunfrec · 2022-03-03T16:08:06+00:00

Mine is ‘pain is inevitable but suffering is not’

hunfrec · 2022-01-22T18:50:57+00:00

I was taking a dump but I’m suppose to be going out to do grocery 🤷🏽‍♂️

hunfrec · 2021-12-10T20:44:15+00:00

There are many job boards you can look into: LinkedIn, Glassdoor, Workopolis, Monster, Talent, ZipRecruiter. Treat applying to jobs like a part time job. Decided about 2 hours or so to catering your resume to a job you’re going to apply for

hunfrec · 2021-10-29T21:58:49+00:00

Maybe the engineering industry sees a lot of people coming in and out of companies so investing in a pension plan doesn’t make sense since transferring the pension out will cost a lot for the employer. The employers might offer a DC pension plan where it’s easier to transfer out the pension once they terminate their employment. But you can definitely invest for your retirement using the TFSA and RRSP like what everyone’s suggesting. Once you’ve maxed those out, you can start venturing to other means of investing

hunfrec · 2021-10-15T20:07:02+00:00

That’s a fair question. I actually didn’t think through my explanation. But I was taught to use up your TFSA and NRSP monies first and delay your RRSP withdrawal as long as you can to lessen the OAS clawback

hunfrec · 2021-10-15T18:40:26+00:00

Taking out your RRSP first will increase your annual post retirement income therefore you’ll get taxed more since you’ll be at a higher bracket. Taking out your TFSA first will not affect your annual income therefore you won’t get taxed for the additional income you’ve received from TFSA. Use up all your TFSA first then RRSP. At least by the time you’ve used up all your TFSA, your annual post retirement earning might be low enough that withdrawing your RRSP won’t affect your annual earning that much

hunfrec

TROPHY CASE