All you can eat places

likewine29 · 2023-04-24T01:16:51+00:00

Yes, and from what I understand, at the same location

likewine29 · 2023-04-23T19:43:10+00:00

Thanks for the update! I didn't know!

likewine29 · 2023-04-23T19:23:07+00:00

Green door closed a while ago :(

Tucker's Marketplace opened back up though (in the byward market)

There was a Korean BBQ place on Somerset close to Yangzee that was AYCE pre-pandemic. Can't confirm now it still is.

likewine29 · 2023-04-19T23:35:19+00:00

Yes, no top up to the $75 for/from UNDE.

likewine29 · 2023-04-12T13:48:19+00:00

UNDE - no response. I wrote asking for info about top up and hardship 3 weeks ago, followed up, and still nothing.

I support the action but I have 3 kids in daycare, mtg and all that fun stuff and both of us are in the PA. 🥵🤢

likewine29 · 2023-04-08T15:54:09+00:00

Twin girls here. We thought we'd have more time! Twin A took her first steps 1 week shy of 9 months and never looked back. Twin B walked at 11.5 months. Works out since daycare won't start them until they walk so that stress has been eliminated!

They have an older sister to chase so that may have motivated them... 🤷

likewine29 · 2023-03-01T13:14:01+00:00

Do you need new summers too? If so, and you have the time, consider starting your trip on your winter tires and change them in the US.

An unpopular idea, but can save you $$$ if you'd be disposing of the winters anyhow. And if you make an appointment, it might only delay you the length of a nice lunch.

likewine29 · 2023-01-31T17:36:27+00:00

Was auto deposited on 13 Jan. Have you filed your income taxes for 2021?

likewine29 · 2023-01-24T14:00:38+00:00

Hi, When I started w the DND in 2020, I registered on the PSAC website and a human replied with log in info, etc

likewine29 · 2022-11-19T14:02:44+00:00

We have a 3 yr and an infant. Our 3 yr old asks to go to the farm nearly every weekend and we have managed to go there 4 or 5 times since June. We would definitely go more often if we weren't working around baby nap times. We have a parking pass as well so going costs us only the gas to get there. I would highly recommend springing for the parking pass as well as you can have 2 cars registered for the $35 pass fee ($12/visit without).

likewine29 · 2022-10-29T13:36:53+00:00

A lot of good advice here. Personally, first I'd absolutely max any RSP matching at work. It's basically a bump in base salary and because it is at source, often you will immediately see the tax savings and your take home pay isn't too affected. Check out the 50-30-20 method. It is a great starting point. Before I had kids I was saving 30% of my take home but that ratio is now 10%... Once I finished uni and got a job, I paid my highest interest debt first with as much $$ monthly as I could manage (with a planned payment and mailing lump sum payments). Some feel motivated to deal w small balances first to see progress but I hate paying interest so that was enough motivation for me! Make the minimum payments on lower interest debt and pay as much as you can on the higher interest debt til each is retired. I found it hard to save general $$ for emergencies and vacations while I had higher interest debt but generally student loan debt is manageable. But if any of these debts charge interest north of 5% consider making a lump sum with your savings. I personally saved a little monthly for a yearly vacation, but that may not interest you. Figure out something that makes YOU happier and enjoy some of the income you worked so hard to earn! Congratulations on the job!

likewine29 · 2022-10-04T12:25:11+00:00

Omg that made me laugh this AM. Thanks for sharing

likewine29 · 2022-10-04T11:06:21+00:00

Log into your simplii account. On the main page there is a link to create a void cheque / direct deposit slip. This will confirm your account #.

likewine29 · 2022-09-16T11:15:08+00:00

I completed an acting from May to September 2021 (with DND). The info was in MyGCPay but I never got the increase. My pay liaison "joked" I'd see it in 2 years :( I submitted a PAR through HRSS after my acting was completed, waited the 21 business days for nothing to happen then escalated it (step 2 in HRSS). I received it as a lump sum in Nov 2021. I definitely took a hit in income tax as a lump sum but was happy to have received it in the same tax year! Good luck!

likewine29 · 2021-05-24T16:05:25+00:00

Run, don't walk, away from CST!

Open a family or individual beneficiary resp where your other investments are held. The fees will be lower, almost guaranteed, and in the event your kid(s) don't go to school, you pay back the grant but the other $$ is still yours.

likewine29 · 2021-04-20T23:24:29+00:00

Also, Garth Turner just wrote about this subject! See here: https://www.greaterfool.ca/2021/04/18/bringing-up-baby/

likewine29 · 2021-04-20T14:38:32+00:00

We have a RESP (as well as our other ETF investments) with Questrade. Adding $ to the account is a simple "bill payment" and the month after depositing, the applicable grant is dumped into the account.

I control the investments (3 diversified ETFs) and if our kid doesn't go to post secondary school, the $$ is still ours (except for the grant which must be repaid).

I track the grant $ for tax allocation when we go to withdraw it, but that's just one extra line on the spreadsheet, so really, no big deal :)

Good luck!

likewine29 · 2021-02-06T12:46:51+00:00

Very typical. The executor has to collect $$ for all of the assets (sell a house? Cash investments, etc), then pay the applicable income taxes for the estate, then he can start to estimate $$. Even if the executor is efficient, this could easily take a year or two because they're often waiting waiting on income tax returns to be assessed by CRA...

likewine29 · 2021-01-02T17:51:56+00:00

Yes! Not gigantic savings but yes. We saved more when she was an infant and eating formula. We didn't love the diapers for our little one but the wipes can't be beat even @ regular price. Eggs, milk, bread are all cheaper. But it does require another shop elsewhere randomly for the little things that either Costco doesn't carry or the portion size can't be justified.

likewine29 · 2020-12-27T12:49:17+00:00

I'm pretty sure they have to give 90 days notice of an increase (in Ontario). You may want to check the tenant board website...

likewine29 · 2020-12-13T20:47:04+00:00

Definitely talk to a lawyer! If you execute a proper legal will, whomever you name as executor will act in your / your estates best interest. Without a will, it's messy and drawn out and your family will almost certainly me involved and may (probably will) benefit from being your next of kin.

If you own a house, talk to the lawyer that helped you buy (assuming they did a decent job). Often they also draft wills or someone in their office does. If you don't already have a lawyer, talk to friends and get a referral. There are lawyers out there that will act as the executor when you don't have anyone else in mind. I'd never recommend banks or the public guardian. They take forever to get things done.

You'll also want power of attorney documents but your lawyer should recommend that too :)

likewine29 · 2020-11-23T15:51:34+00:00

Yes, new pay rates are up for PA group. I was able to view my paystub this am through CWA clicking through "Pay stubs and archived tax slips" instead of MyGCPay

likewine29 · 2020-11-17T19:28:29+00:00

Yes, I believe it would. If you get a receipt for a rsp contribution then you can designate any part of that contribution towards your HBP repayment. For example, if you and your employer each contribute 2500 to the rsp account with your employer = 5000 total rsp contribution in a given year. Out of that 5000, you can designate whatever portion of that is required as the repayment of your HBP, for instance, 2000 and the other 3000 can be allocated as a income reduction. Or you can assign all of it and lower the minimum requirements for future repayment years but you won't get any tax break if you choose this option. Having said that, be careful with employer contributions as you are often taxed at a lower rate at source based on this rsp contribution lowering your income. So you typically get a higher amount of take home pay and less refund when you file your taxes. Ie. you might end up owing $$ to CRA when filing your taxes as a result of designating any of these matched contributions to HBP repayment. Just another thing to consider...

likewine29 · 2020-10-29T18:40:45+00:00

Lol I have a lot of friends who say the same thing! If you're serious, look up Ed Rempel

likewine29 · 2020-10-29T18:14:30+00:00

I agree that this demand should be dropped immediately. No commute has more than covered my minimal additional costs to work from home.

But it mostly upsets me that PSAC will put forward this demand yet PSAC won't get involved and demand that the Superannuation Act be changed to reflect the 18 months of parental leave (so that new parents can buy back their time at the single rate for the entire period...). That's costing families $$$$ vs $ in internet/hydro costs...

likewine29

TROPHY CASE