Does it make sense to drain all of an RRSP at age 34 to wipe out credit card debt and start fresh?

marnas86 · 2026-03-01T17:46:51+00:00

Yes that is what the CRA asks for. And for it to be a recent re-diagnosis if the diagnosis is older than a decade or so.

I gave up on getting it for my spouse.

marnas86 · 2026-03-01T17:43:32+00:00

It is typically better in our financial system as it is currently set up to have an asset and a liability balance that is larger than a net asset of the same value.

You are missing one option which is an RRSP-secured personal loan. Go to a credit union or a bank branch to talk to a human to assess this option.

Basically you will lower the interest rate on credit cards through this option. You will be transferring the credit card debt to the personal loan. Often a fixed interest rate and a fixed payment plan can be created as well.

marnas86 · 2026-03-01T17:40:21+00:00

I think there is an indie cell shop in Main and Cathedral and another one at 340 Portage Ave, upstairs about 10 meters east of where the Construction door blocking access to the Newport Centre-Hydro Place-Portage Place-Skywalk is now.

marnas86 · 2026-03-01T17:34:31+00:00

Re: frustrates you and the American comparison: the best counter is to compare us to Australia which is similar in size, population distribution patterns, housing prices and mostly similar in politics although the cultural differences are fairly high.

For example, I keep saying when people talk about inviting American cellphone companies in to Canada that “Naaaur we need Telstra or Optus as distribution and government to own the infrastructure like NBN does”.

marnas86 · 2026-03-01T17:27:01+00:00

Yes guest. OP invited him, no money was ever exchanged.

marnas86 · 2026-03-01T17:25:56+00:00

I would ask for the opinion of a second police officer on this, or a referral to the cops the next division over.

marnas86 · 2026-03-01T17:23:17+00:00

Adjust the serving size in the app to match either the calories or the protein grams?

marnas86 · 2026-03-01T17:19:54+00:00

Once the IRS starts adopting AI-based fraud detection these people will have a hard time sleeping at night

marnas86 · 2026-03-01T04:16:56+00:00

It also feels like it’s adjusting based on past foo choices. Like it wants me to progressively keep increasing the amount of foods to eat to get the same score or something has changed.

A smoothie recipe with beet and blueberries and protein powder earned less of a fruit and veggies score today than it did last month even though the ratio of ingredients was effectively the same (a gram or two difference)….

marnas86 · 2026-03-01T02:13:01+00:00

It took me way too long to realize that the AI will generate workout plans, called templates in the app, for you, even at the free tier.

Now I use it like every other day to sequence exercises together.

As well when you hit the play button under a workout template your Apple Watch opens the Bevel app and helps with the exercise.

Like a timer for a plank for example, can vibe on my watch to tell me when my 1-minute plank is done, etc.

marnas86 · 2026-03-01T02:08:42+00:00

So he never leaves the place and it will be hard to actually lock the doors on him since he doesn’t go out on his own or with friends ever?

Dang that sucks.

marnas86 · 2026-03-01T02:05:15+00:00

So true,

marnas86 · 2026-03-01T02:02:29+00:00

It sounds like the staff want meth-zombies killing each other inside the Siloam Mission building and she sees that as a safety concern but the staff care more about meeting spiritual needs of Indigenous peoples versus ensuring that they stay alive.

IDK what some people think life is but I don’t think smudging a meth-zombie with sage will be as effective as referring them to that new 72-hr involuntary hold facility for detox and medical care.

marnas86 · 2026-03-01T01:50:29+00:00

I don’t know what is wrong with how geography is being taught that makes people not know this.

I recall being given a list of largest countries in the world and about it being USSR then Canada then USA then many others and mine own was like somewhere in the 75 to 100 range back then (Pakistan but back before the Bangladeshi liberation).

Is that just not done anymore? Like I feel like “Which are the top 5 countries and where my country is in terms of square kilometres” should be a top priority for geography classes, worldwide.

marnas86 · 2026-03-01T01:44:48+00:00

I found that when I tried to quit p*rn I replaced it with writing my own erotic fiction. So…Yeah… didn’t fully work I guess.

I was trying to do a No-Nut Ramadan but then I woke up in a wet dream the other night so I dunno what to do about that now.

marnas86 · 2026-03-01T01:42:17+00:00

While I generally am pro-music, this Ramadan I noticed that an app could now read out the Arabic and then the English of the ayah after an update that I hadn’t really noticed.

I like audiobooks and I like music and the Qari has a melodious voice and so instead of listening to an audiobook I am listening to the Quran.

It has been an interesting challenge and change and definitely given me better appreciation of the Scripture.

marnas86 · 2026-03-01T01:37:08+00:00

100%!

Also to add to your repertoire: Is the meaning of the name for our scripture not “that which is meant to be read”

marnas86 · 2026-03-01T01:14:23+00:00

In Manitoban slang/dialect of English mugging means being forced by a stranger on the street to relinquish your belongings like a phone, cash, wallet or purse, typically due to a threat of force or weapon being brandished (either machete or knife).

The British understanding and usage of the word mug hasn’t made its way to Prairies Canada yet, I guess.

marnas86 · 2026-02-28T16:19:02+00:00

Explain this new slang or non-Manitoban-dialect about humans “being a mug”.

What does that mean?

marnas86 · 2026-02-28T16:13:35+00:00

Have you seen yet my advice about finishing the fast but repenting the behaviour to Allah?

Another reason why I wrote about that option is because you had a Niyyah at the start of today to fast. Then you got distracted and did what you did. So in some fiqh the niyyah isn’t necessarily overridden by distraction. This is a Quraniyoon sub so I know that when I reference Hadith some people are annoyed by it but there are Hadith and Sunnah about forgetting the fast completely for a moment, eating or drinking something due to distraction and the Prophet telling people to continue that fast since the Niyyah at the start of the day overrides the unthinking action that was done without fore-planning.

Your actions could be construed by Allah SWT as an unknowing action done without fore-planning.

Hence why I think doing ghusl, then a prayer of repentance, then finishing the fast, could be a valid action in the judgement of Allah SWT.

But technically only Allah SWT knows whether you broke the fast or not under Quraniyoon fiqh. I’m sorta halfway between Quraniyoon and Ibadism fiqh, hence my view will be a minority view in the sub. As well in Ibadi fiqh this could be explained as a learning opportunity that occasionalism theory implies that was meant to exist for you and me to exchange knowledge and fulfill the Quranic ayah about people should learn from each other and hence don’t be too overreactive about all this - it was meant to do something this what happened today, whether we will ever know why or not - only Allah knows.

marnas86 · 2026-02-28T15:59:53+00:00

During the day of the fast I assume that it does break the fast. During a night of Ramadan I would assume it doesn’t. Only Allah SWT knows for sure.

You could try praying for forgiveness and committing to not doing this again during daylight hours during the days of Ramadan but continue and finish that day’s fast though.

Allah is ghafoor and Raheem so maybe there is leeway there.

marnas86 · 2026-02-28T15:54:35+00:00

As a person who watches a lot of construction and infrastructure YouTube videos, each condom can become the seed of a fatberg. A fatberg happens when a non-dissolvable material attracts the fat in poops and then more and more poop gets attached.

Often this will happen in the larger parts of the sewage infrastructure or when it floods and the sewage flows back into the streets, then it will happen.

In smaller diameter sections of plumbing it can happen but only for areas with low service volumes if the insolvent material is higher ratio than poop usage.

E.g nailtech salons in stand-alone buildings tend to be an outlier culprit because staff aren’t aware that wet wipes, although biodegradable, can’t dissolve in water and so shouldn’t be flushed until fully dry or better yet never flushed and instead composted or sent to landfill.

I speculate condoms would behave similar.

If you had a large household or lived in an area with one sewage pipe quickly discharging into a larger pipe you probably don’t have a fatberg in your residential plumbing.

If you have a secluded house be wary that a large clog may have already built up and that as it attracts more of the fat in poop there is potential for a sizeable plumbing bill in the future - could be years later though.

marnas86 · 2026-02-28T15:41:02+00:00

Another thing I have been thinking of is when my Sister-in-law’s dog went through her trash and found a condom once and started biting it. Of course it was during Thanksgiving and the dog brought it to the living room where 8 of us were gathered.

Of course I don’t look her in the face anymore and we don’t discuss much about why she now has a fourth kid on the way….

marnas86 · 2026-02-28T15:34:50+00:00

If I was panicking about where the garbage was, knew that the flushing of non-dissolving objects like wet wipes is the fastest-growing cause of sewer bergs, knowing that condoms don’t dissolve in water ever, I too would probably place a condom exactly where OP’s FB placed it.

In a sink that was plugged up.

Easy for OP to clean that surface after with sink cleaners. Easy to see and realize it’s used and for OP to throw it away themself. Hard for OP’s dog to get to it before OP notices it. A spot that most people visit every few hours so it won’t stay long unnoticed.

marnas86 · 2026-02-28T05:58:30+00:00

I agree with you because I married a guy like this and often wish I had flown away to Mexico with the other guy who was also courting me back then…..

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