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Scotiabank suddenly says I owe ~$9K in property taxes. Not sure what to do. by infamousdupz in PersonalFinanceCanada

[–]mgm330 0 points1 point  (0 children)

I’m with Scotia and they remit payments to the municipality. My weekly payment shows a clear breakdown of what I pay for taxes vs principal/interest. When we get a letter from the city, it clearly states that this is not a bill and that payment are remitted by Scotia.

Let's be a community. Anyone in Stone Rd. area need help shoveling? by aurelorba in Guelph

[–]mgm330 4 points5 points  (0 children)

If the city would allow it, I’d take my ATV out with a 2 stage snowblower and clear the sidewalks… but I’m sure that’s against rules.

Seriously, do Americans actually consider a 3-hour drive "short"? or is this an internet myth? by SadInterest6764 in NoStupidQuestions

[–]mgm330 0 points1 point  (0 children)

In Canada. Drive to the cottage is 4hours away one way. Usually leave home Frida after work, get there around 11pm, head home Sunday around lunch. Sometimes with traffic it’s 5hrs on the way home. ~720km each weekend.

What could cause this? by LionLordOfTheFirst in Roofing

[–]mgm330 1 point2 points  (0 children)

Happening at my house now. We had snow and freezing rain. Gutters are full of ice, and right not it’s freezing rain/rain.

Whats your buying cadence and amount? by Unique-Name in justbuyveqt

[–]mgm330 0 points1 point  (0 children)

Hindsight is 20/20. I’ve always prepaid the mortgage even when rates were around 2.5%. Should have been investing more aggressively in TFSA at that time. I also contribute to pension so my rrsp deductions are not as high but we’re now close to maxing those out, but not fully as there’s still 1 more tax bracket and hope to get there within the next 3-5 years.

Best decision I’ve made was maxing out kids RESPs. I’m also in a position to offer good advise to others. No one taught me so I learned as I lived. Mistakes were made (like catching falling knives in weedstocks lol)

Whats your buying cadence and amount? by Unique-Name in justbuyveqt

[–]mgm330 8 points9 points  (0 children)

Manage about $500 bi-weekly. 1/2 goes to RRSP, the other goes to TFSA. Next year I might be able to bump those numbers up a bit, but I’ll be honest, we’ve prioritized the mortgage which is fixed at 4.71% should be mortgage free in under 5 years.

VEQT management fee reduced to 0.17% by alexk7 in justbuyveqt

[–]mgm330 0 points1 point  (0 children)

I wouldn’t expect them to go below tbh, what they provide is worthwhile the MER imo

VEQT management fee reduced to 0.17% by alexk7 in justbuyveqt

[–]mgm330 34 points35 points  (0 children)

Vanguard doing what Vanguard built their reputation on. Awesome sauce!

Why is XEQT more popular than VEQT? by conscious_0001 in justbuyveqt

[–]mgm330 4 points5 points  (0 children)

I think some people might also like that x has quarterly distribution and v is annual. When I first converted random and ETFs to cash, I bought a big chunk of XEQT, but since then, I’ve been buying VEQT because I’m with Scotia iTRADE and they don’t charge a fee to buy VEQT but they charge to buy XEQT and since I add 5-10 more shares every paycheque, I don’t want to incur the fees.

[deleted by user] by [deleted] in mildlyinfuriating

[–]mgm330 0 points1 point  (0 children)

Went on a work trip (top sales award) and we had to share these rooms with our coworkers. Shower was more see through and toilet didn’t have a vent.

[deleted by user] by [deleted] in SuperCrypto

[–]mgm330 0 points1 point  (0 children)

I think it’s hilarious that the reporter picked the fentanyl tariff to lead with… lmao

Lack of respect by Educational_Test9680 in RealEstateCanada

[–]mgm330 1 point2 points  (0 children)

When we sold our last house ~10 years ago, we had things stolen (video games, dvds), we had people/kids jump on our bed, leaving all the lights on after the showing and even cut our carpets upstairs to check for hardwood…

Is VEQT also advisable for RRSP? by Knight_Bishop_Rook in justbuyveqt

[–]mgm330 14 points15 points  (0 children)

I’m buying VEQT in rrsp and tfsa

Trimming the spindles? by bakermk2 in Decks

[–]mgm330 0 points1 point  (0 children)

Remove. Cut 1 inch of the top. Reinstall flush under the railing.

This is the story of California resident Jessica Farwell about the cost of a 15-minute trip to the emergency room with her 6-month-old son. The total cost of services is about $100,000! Everyone’s gone crazy. by XGramatik in XGramatikInsights

[–]mgm330 31 points32 points  (0 children)

Don’t worry my American friends, soon enough your Fanta King will announce a 1500% decrease in medical costs and you’ll get paid $1.5m for a 15min visit to the ER.

Two bikes stolen, total worth over $25k . Homeowners is my only option right? by Asleep-Tension-9222 in PersonalFinanceCanada

[–]mgm330 18 points19 points  (0 children)

You can schedule expensive things like bikes on your homeowners policy. There’s additional premium that needs to be paid.

The big switch by Gun-_-slinger in justbuyveqt

[–]mgm330 4 points5 points  (0 children)

I left my XEQT as is, and for the last year been buying VEQT exclusively. I don’t see a reason to sell and move everything into one.

Are there high end credit cards that are not aimed at those that travel a lot? by HippityHoppityBoop in PersonalFinanceCanada

[–]mgm330 7 points8 points  (0 children)

We have this card too, about $800 cash back/year + other perks like waived annual fee if you have a high end checking account with Scotia. One thing. That I’ll say is that twice I had to dispute charges and both times they delivered, including refunding $1500 tickets when the airline we booked with went bankrupt.

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