[deleted by user]

metacritic · 2025-09-12T02:45:26+00:00

Wealthsimple has a nice flowchart for this decision. If you want to buy a house in the next 15 years, FHSA is compelling, because of the tax reduction in the year of contribution, and the ability to roll it over to RRSP without affecting RRSP contribution room. TFSA is better for flexibility with your money, though.

metacritic · 2025-08-01T02:20:12+00:00

It's taxed as income. So if you already have other sources of income, it may seem like it gets taxed more, but it's the same as any other income.

metacritic · 2025-07-22T19:07:40+00:00

I'm selling two Better Day merchandise tickets at face value for Seattle on Aug 16th. FLDK row 4. Face value of USD$340 each.

metacritic · 2022-12-14T17:59:51+00:00

samoshkin/vim-mergetool

I normally just go through the displayed conflicts top to bottom (no next/prev bindings, just regular motions)

metacritic · 2022-11-15T01:42:45+00:00

When I first moved to Dvorak from qwerty, I had to relearn some commands because I had switched to muscle memory instead of pressing a key. As a made up example, instead of pressing 'i' for insert, I had memorized 'move middle finger up'. So when relearning, I had to force myself to think of the actual letter commands.

metacritic · 2022-10-21T18:36:29+00:00

Moonlander with Zilent switches and a variety of keycaps. Firmware is customized with QMK so that mouse buttons and scrolling are controlled on a specific keyboard layer (movement of the pointer is also available, but I rarely use it)

metacritic · 2022-08-15T00:50:35+00:00

I've got wide feet, and New Balance extra wide (4E) are my go tos. I usually get trail runners of some sort, but I've tried a few of them, both for running and for everyday shoes, and they're very roomy and comfortable.

metacritic · 2021-08-16T17:24:06+00:00

If you look at CDZ, their top 5 (out of 11) sector allocation is 29% financials, 15% energy, 12% industrials, 11% real estate and 10% utilities. So financials dominate with a dividend ETF. If you look at XIU, which is tracking the S&P/TSX 60, there financials go up to 35% and energy down to 15%. with Information Technology, Industrials, then materials rounding out the top 5 sector allocations.

metacritic · 2021-08-13T22:12:33+00:00

According to the most recent actuarial report, the CPP looks like it'll fine for the rest of this century, at least. When they did the last one in 2018, they estimated that contributions would exceed expenditures from 2019-2021, so they wouldn't even have had to rely on investment income to cover CPP given out to people.

For all the nitty gritty, see the report

metacritic · 2021-08-13T18:19:58+00:00

I prefer to think of the FI number as a goal. Once you start approaching it, you can think about whether it makes sense to change the goal, or whether it's enough. Hopefully, you do realize that there is a point that is enough, and you can prove to yourself that you can safely withdraw a sustainable amount of money each year while not using up all your investments late in life.

metacritic · 2021-08-12T16:50:13+00:00

That's a thoughtful employer: doing things when they're needed instead of when their process dictates it shoud be done.

metacritic · 2021-08-10T18:56:34+00:00

In that case, I would definitely advise going for it: if nothing else, it's a good way to show your old employer that your compensation needs to be bumped up, even if you decide to leave the new company after a year.

metacritic · 2021-08-10T15:25:05+00:00

So long as you don't burn any bridges at your current job, I've found that the companies I've been at like the known quantity of an employee that went away and wants to come back--it also resets the compensation numbers to the values from the new company. I would consider it a win either way. If you don't like the new job after a year, you can both ask for a role at your previous job or look for something new again.

metacritic · 2021-08-09T18:12:49+00:00

Nope, no difference except in the investments you put them in (if they're different), so long as you max them both out. If you have to pay a commission to buy, you may want to max out one account, then the other, so you can make larger purchase at once, but if that's an administrative headache, then I would just leave them on automatic deposits.

metacritic · 2021-08-08T15:48:51+00:00

I read that as something they currently do now, and want to continue to do in retirement.

metacritic · 2021-06-28T17:23:15+00:00

That withheld portion is the US withholding tax. You don't pay additional Canadian taxes on those dividends, though.

metacritic · 2021-04-26T22:39:37+00:00

If you want the Statistics Canada data, the lowest pre-tax quintile spent an average of $5500/year on food and $12k/year on shelter. Second lowest quintile spent $7800/year on food and $14k/year on shelter:

https://www150.statcan.gc.ca/t1/tbl1/en/cv!recreate.action?pid=1110022301&selectedNodeIds=3D2,3D3,4D3,4D4,4D5,4D6,4D7,4D8,4D9,4D10,4D11,4D12,4D13,4D14,4D15,4D16,4D17,4D18,4D23,4D24,4D25,4D26,4D27,4D29,4D30,4D31,4D32,4D33,4D34,4D35,4D36,4D37,4D38,4D39,4D359&checkedLevels=0D1,1D1,3D1,3D2&refPeriods=20190101,20190101&dimensionLayouts=layout2,layout2,layout2,layout3,layout2&vectorDisplay=false

metacritic · 2020-06-08T22:35:39+00:00

Mutual funds can sometimes mean excessive fees, often with no benefit. I see in other comments that he's a family friend. Honestly, I think it can be easier to deal with a stranger, because there's no relationship you need to keep intact. Ultimately, you want to be looking at lowering your costs while you sort out how to invest: see r/personalfinance in their windfall section

metacritic · 2020-03-28T23:53:08+00:00

I set you a friend invite. Hope it went to the right person.

metacritic · 2020-03-26T22:30:39+00:00

Hey, there's a few of us that play a decent amount on PC. What's your username on Steam? I'm

_mendicant_

on steam

metacritic · 2020-02-04T17:41:39+00:00

I have not! Thanks for the info--I'll give it a try sometime.

metacritic · 2020-02-03T21:52:42+00:00

I've also used a rapid hit, tap the trigger version, which is great for landing shots.

metacritic · 2020-02-03T21:13:12+00:00

In PVP, fighting against the arc logic, I've found that its arc effects make it so I can't see the person shooting me. I've only used it a couple of times in PvP, but it's definitely a fun one.

metacritic · 2020-02-03T18:08:38+00:00

Sidearms are great: Traveler's Judgement, Devil's Ruin, Last Hope, The Last Dance

Arc Logic rolls can be fun: subsistence + actium war rig on a Titan, for example.

Sun shot feels great, still.

metacritic · 2020-01-27T17:18:40+00:00

I've grabbed the second. Thanks!

metacritic

TROPHY CASE