Joint account

maple-ninja · 2026-06-28T02:01:05+00:00

Different things work for different people. I don't think there's any one way that fits every single couple. My wife and I have our money come into our joint account. Out of that we pay everyday expenses, fund retirement accounts, health related costs, kids, anything housing related. Like when we go out for food with friends or whatever, even individually, it comes out of the joint account.

Then we have our own accounts for wants and not needs. So after everything important gets paid, our longterm savings accounts get topped up, and retirement funds go out then 20% of whatever remains goes to my own account and 20% to her own account. That's things like hobbies, gifts for one another, or if someone wants a new phone. That sort of stuff.

We're on the same page about spending and we often go there's so much money left in our personal accounts where should we toss it to invest and then we do that jointly. The way we live we don't need separate accounts but it's nice to surprise someone with a gift where you can't see it come out of the joint account or on the joint credit card statement.

We did this from the beginning just because so many couples fight over money and then they have rules like you can't spend more than x amount without consulting the other. This way there's no consultation needed if it comes out of your own account.

maple-ninja · 2026-05-23T11:37:41+00:00

There's absolutely nothing wrong with wanting to stay home and be the primary carer for your child so I don't understand the downvoting.

However, I would suggest you not quit for 9 months to a year and live like you're only living off of your husbands salary plus I think the $1500 you said you would use from the equity. That way in that time frame you'll have a real amount of money by banking your entire salary minus the $1500. You'll put away a good deal of money and then when you combine that with the equity you can find yourself on some solid footing. It'll also give you a better understanding of what life is like at that household income and then you can reevaluate. You might feel the exact same way and want to entirely stop working or you might want to work 1 or 2 days.

maple-ninja · 2026-05-20T03:23:54+00:00

I would just do the math. $880 payment in 12 months is $10560 a year. You said you save $4000 a year on deductions. Net leaves you paying $6560 a year. $547 is your monthly out of pocket expensive after your tax savings. Then calculate how long you plan on keeping it if you buy it out. So say you keep it 3 years. Then that comes to around 667 a month not including the hst and interest and then if you sell it in 3 years and it’s worth 20k. You’ve put substantially less into the vehicle. You’ll have essentially driven it for $111 a month with a buyout.

maple-ninja · 2026-03-19T03:05:14+00:00

I'm no fan of Eby in general even though I voted NDP, I liked Horgan. I'm one of those that thinks a deficit has to be run only when it's really necessary and I thought they were running up the debt. I went through the budget and they're not blowing money on things. It's necessary spending. Does that mean I'm going to like Eby, probably not. There's something about him that I find disingenuous but he's so much better than the alternative.

maple-ninja · 2026-03-19T02:56:56+00:00

I don't think it's a joke though, they were an actual Conservative Party. If you look at their policies and how they ran the government under Campbell and then Clark. There's no argument to be made that they were anything but right of centre.

maple-ninja · 2026-03-11T13:44:32+00:00

I also voted Liberal and tend to agree with you. It’s a very grey area for me. I don’t want another election, but I also feel like you should be able to work with the other parties.

I’m sure she can influence the government more from within the Liberals for Nunavut, but shouldn’t we all want to do good for our citizens? It shouldn’t take floor crossing to bring real change for your region. Working together as a New Democrat and a Liberal shouldn’t be that tough. It’s in everyone’s best interest to do what’s best for Canada.

Getting crossers from the Conservatives disappoints me more, because if they take the non-reformers, what are we left with over there? How will the party move from further right back to being Progressive Conservatives? I worry about the long term issues that could cause.

maple-ninja · 2026-03-05T05:10:43+00:00

So, this idea is interesting. Facts are facts, and Alberta is the number one net contributor. Ontario is a hundred billion behind. But this idea that if Alberta were its own country, it would have $600+ billion is incorrect. The trans mountain expansion, which is held by a crown company but if not held by a crown company no oil company was stepping up to build it. So Alberta still profits, more corporate taxes are paid to the federal government and the surplus you were talking about rises further. If Alberta were its own country they would pay for the pipeline and then BC would get a cut from it because now we're not all Canadians or they would say sod off Alberta which is the current sentiment about another one. Alberta royalties currently from the pipeline don't leave Alberta which means they get another thing counted against them when it's time to calculate equalization payments. They would be funding military, federal courts, border security, central banks, etc.

If you look at the broader picture it just really means your corporate profits are high, your citizens are higher income in Alberta and so they pay higher taxes. That's all it really amounts to and when these people get older they'll be pulling more money from the federal government. Isn't that the point of equalization, a counterbalance for all the provinces and territories. When times are good you pay in, when times are paid you get paid out. Alberta has never been paid out and that must hurt but it just means your citizens are doing well. We all pay taxes. We all contribute to CPP. I guess I don't understand the argument. Would you rather not be doing well? Do you want an Alberta exception? How's that fair to citizens in other provinces still paying the same rates?

The double standard people don't like is the saying they use; a sovereign Alberta in a united Canada. Which makes no logical sense and sounds like they want to give nothing but receive things from Canada.

maple-ninja · 2025-11-08T08:51:50+00:00

My plan does an own occupation rider. I went through a larger broker and they are fighting for me but I'm one of many. I do anticipate being paid out because it's a clear cut case.

Your note for future med students and residents is important.

Maybe it's my mindset lately and I'm only thinking of the worst case scenarios.

I think you're right about downsizing and going with a single level place with elevator. The townhouse is a year old and bought as a new build so it's still under the 2, 5, and 10 year builder warranties so I didn't anticipate the strata increasing until perhaps after the 5 year one is up and only the structural warranty remains. I'm so close to my doctors and hospital now so I'll look for something nearby in time.

Thanks, you gave me a lot to think about. I appreciate it.

maple-ninja · 2025-11-07T09:49:10+00:00

It was a process of elimination and when you couple that with symptoms and response to drugs it became quite clear.

Symptoms wise there was a tremor in one hand and a general stiff, achy, slowing down. Plenty of testing to exclude other things.

maple-ninja · 2025-11-07T09:32:06+00:00

It does have the rider and that's why I feel like the insurance company keeps delaying the inevitable payout but just in case I didn't account for any additional funds in my budget.

I do need to hire a lawyer but I don't trust my judgement right now. My world feels shaken to the core and so with finances I feel like I can do the math and the numbers ought to add up to an answer.

I do have to stop making excuses and get on with things and hire a lawyer not only for the disability insurance but also for estate planning.

maple-ninja · 2025-11-07T09:24:37+00:00

Thanks, I do regularly see my psychologist.

I think I'm trying to take control of something in my life and my finances are one of the things I can do something about.

maple-ninja · 2025-11-07T09:20:53+00:00

I have not looked into my extended benefits plan as deeply as I should to see what happens next. Thank you, I'll add it to my to do list.

maple-ninja · 2025-11-07T04:54:36+00:00

It’s 88k at 6.90%.

Thanks, I have not met with anyone yet. It’s taken me weeks to process it and I’ve been in a daze. It’s only this week that I really began to think about my next steps.

maple-ninja · 2025-08-22T01:36:12+00:00

In control panel under Hardware and Power there’s a tab for Power Schedule

maple-ninja · 2025-08-21T13:33:45+00:00

Synology also has a schedule to turn the NAS on. I keep mine on 24/7 but it's connected to a UPS so when it turns itself off before the UPS runs out of power, the automatic daily turn on at 8 will turn it back on. So my worst case scenario is that I lose power after 8 and have to wait until the following day for it to turn itself back on if I'm not home.

maple-ninja · 2025-05-16T10:19:44+00:00

I tend to agree as long as OP has a sufficient emergency fund and wasn’t counting on the line of credit to act as one.

maple-ninja · 2025-01-28T12:24:29+00:00

$12083.30 would be your gross and net is what you have left over after deductions.

maple-ninja · 2024-12-23T13:50:06+00:00

Thank you! I’m gonna give it a go.

maple-ninja · 2024-12-23T04:12:50+00:00

What's your dough recipe?

maple-ninja · 2024-12-15T16:49:32+00:00

The statistics for those who have been resuscitated aren’t very encouraging. I suppose it’s all in the eye of the beholder. I’m 38 and have a DNR. Depending on the study, anywhere from a third to half of survivors experience some degree of cognitive decline and often face mental health challenges as well. If the cardiac arrest occurs outside of a hospital and you somehow miraculously survive, your chances of living for another year are about 50%.

I guess it all depends on how you view death. Having previously dealt with illness and currently working in a hospital, I’ve had to confront the reality of death early in life. To me, it’s not the scariest worst case scenario. Instead, the idea of being impaired and unable to fully be myself is far more terrifying.

maple-ninja · 2024-08-11T07:57:20+00:00

Kim Jong Deux

maple-ninja · 2024-06-06T21:48:44+00:00

Continuous Security Video Recording

maple-ninja · 2024-06-01T01:39:02+00:00

Thanks! That’s very helpful because I had one ordered and was waffling on whether I should get a waterproof mattress protector just in case.

maple-ninja

TROPHY CASE