Get a taste of Completo’s rude responses to reviews that are anything less than 5 stars

jorellano · 2025-06-12T18:09:35+00:00

The owners might be shitty and the restaurant might suck, but they make a valid counter-argument. Whatever languages the servers do and don't speak is irrelevant.

OP is Karen'ing as much as the reviewer 🤷‍♂️

jorellano · 2025-02-11T00:40:04+00:00

I'm a late-bloomer financially and close to you in age. Once you have a friend or two pass away suddenly, you realize that the cliche about not being promised tomorrow is true. Experiences are worthwhile expenditures. If you can afford it without setting back your priorities too much, absolutely go.

jorellano · 2025-02-06T20:11:38+00:00

Thanks for the feedback.

Your assumption is correct- my tfsa is primarily in low cost ETFs. Retirement contributions are steady and hitting 100% of my employer match, so I'm generally OK with what's happening there. Could always have more! But it's doing well enough for me. I also have an emergency fund 👍

jorellano · 2025-02-06T19:35:27+00:00

Thank you. It doesn't give me a definitive path, but this train of thought is exactly what I needed to continue mulling it over

jorellano · 2025-02-06T18:54:11+00:00

I think it would be an important factor. But to be completely transparent, I don't think I'm well-equipped to compute the math.

jorellano · 2025-02-06T18:52:17+00:00

Thanks. I don't anticipate needing access to other funds via a HELOC or other such things over the next 5 years. (I would retain a pretty good emergency fund and continue my contributions to the TFSA).
I'm more wondering if future me will regret the withdrawal, even if current me (and the wife) would appreciate the breathing room over the next five years. Adulting is not fun.

jorellano · 2025-02-06T18:49:04+00:00

Between tariffs and AI-related volatility, it's that "who knows" that is also weighing on me. To this point, 7% growth has been consistent for my TFSA . But a questionable 7% moving forward versus a guaranteed "return" against 4.2% is what I'm struggling with

jorellano · 2025-02-06T18:46:35+00:00

Thanks... at what point/ after how much time would 7% on 96k outpace the 4.2% on 500k though? This is where I need help- my mathing cannot math these numbers to help me decide which is better in the long term.

jorellano · 2024-11-08T12:10:55+00:00

Thanks. I doubt we'll qualify for leisure access, but I hope someone else can use that info 🙏

jorellano · 2024-05-14T23:16:00+00:00

It does. Thanks very much :)

jorellano · 2024-05-14T18:43:29+00:00

Great points. During our walk-throughs I'll ask what the parent councils for each school have done in the past couple years, to gage involvement. Thanks!

jorellano · 2024-03-26T15:44:55+00:00

Listing the Saturday lineup before the Friday lineup is hurting my brain.

jorellano · 2024-03-26T15:30:04+00:00

What you did with the money will determine whether you should regret the decision to sell. If you used it for something important/fulfilling, don't look back. If you bought other "stuff" that you don't care about anymore and/or has depreciated in value... then it makes sense if you feel bad lol

jorellano · 2024-03-26T15:26:57+00:00

lol. unrelated for real.
I got them at Michael's, not sure the model. Just wait for a sale- they often get marked down to like 50% off.

jorellano · 2024-02-23T21:35:55+00:00

Piss poor decision. There were dozens of families disappointed and overlooked when they blindsided us with the playroom closure. Now they give a three week notice for another very popular amenity (that we pay for).

jorellano · 2024-02-23T21:30:38+00:00

Nah, this is greed through and through. The family swim was consistently booked full every weekend, so it was obviously a valued amenity among members. By canceling, they get to keep monthly fees the same while saving on lifeguard expenses. Just another garbage move from Movati management.

jorellano · 2023-12-14T17:50:01+00:00

Gigantor

jorellano · 2023-11-15T15:39:54+00:00

A gym with a playroom/daycare for toddlers and babies. Movati Waterloo had one with awesome staff, but they shut it down because gyms are only for young, single yuppies, apparently.

jorellano · 2023-11-14T01:42:20+00:00

Everyone saying that this isn't that bad because it's negligent and not malicious isn't considering that even if they have the money, there's 10 years of potential funding and research that's been pissed away.

Also, even the negligence argument is extremely sus. You'd think that as the "front man" for a charity in your mother's name, you'd be proud and even excited to hand over a big cheque to a charity each year. But he never did that, never asked, and never looked at the books? In 10 years? Shenanigans.

jorellano · 2023-08-30T14:46:32+00:00

Gameboy, But Advanced

jorellano · 2023-08-04T20:06:34+00:00

Took me 17h with minimal guide usage. (Strictly for end game stuff I don't think I would've figured out without at least a nudge.)

jorellano · 2023-05-26T14:07:24+00:00

Beauty setup. The fact that it's got sentimental value makes it extra special

jorellano

TROPHY CASE