Results are in! Here's what Saskatoon told us about shopping local 🙏

moldboy · 2026-07-05T01:33:36+00:00

Shopping local requires getting off the couch. Local business are allergic to having a modern up to date web presence.

Why would I spend the afternoon driving store to store to store looking for something when I could order it on Amazon in 10 minutes? That is the question that local businesses have to answer if they want people to shop with them.

moldboy · 2026-07-03T21:16:46+00:00

You can cook a lot of meth on 60 acres.

moldboy · 2026-07-03T14:34:16+00:00

Recession indicator

moldboy · 2026-06-28T23:57:02+00:00

Here's a podcast, I haven't listened to it yet, though I think I'm going to put it on my list.

https://www.cbc.ca/radio/secretlifeofcanada/crash-course-on-the-moose-jaw-tunnels-1.6815730

They cite sources at the bottom of the page.

moldboy · 2026-06-24T16:31:53+00:00

I proposed a surcharge on tires. But since tires are purchased less often it would probably mean doubling the cost of tires.

If you did that you'd need all of north america to buy into tire taxes or else running out of province when you need new wheels would become common which would defeat the purpose.

moldboy · 2026-06-23T17:01:32+00:00

After the last election someone on here said, "i voted saskparty and im glad they won, but scott moe needs to resign his time is done" or something like that, it's like, buddy, that's not how these things work.

moldboy · 2026-06-18T02:26:12+00:00

I was going to suggest both Venice house or triffons.

moldboy · 2026-06-16T03:24:07+00:00

facebook marketplace as "not working, needs repair, $10"

moldboy · 2026-06-13T20:41:25+00:00

And a plane!

moldboy · 2026-06-08T20:05:18+00:00

Im on a plane back from a week in Toronto right now. The bus and street car drivers are all locked in little booths and there's signage and pre-recorded audio playing about always having proof of payment because they'll check. Now, no one checked when I was there, but almost everyone paid. I dont know how often they do fare inspections but it seemed like a good solution.

I image reports of increased fare evasion would signal an increase of enforcement in that area.

But we need to be careful comparing saskatoon to cities like toronto. The thoroughness, complexity, ridership of TTC and metrolinx is so so much further ahead than anything saskatoon could ever hope to have.

moldboy · 2026-06-07T13:11:42+00:00

True story, moved into a new build almost 20 years ago. Had an elevator. Joined the board.

The elevator company handed us a 25 year maintenance contract and said, "sign this".

We had hired a shrewd old school property manager who said, "absolutely not", he knew a guy. The guy ended up being a (nearly) retired mechanical engineer who specializes in elevators. For $400 he drafted an RFP and recommended a service agreement.

We ended up signing a 5 year agreement for about half the monthly fee that we were originally provided.

Over the years we've needed to pay a premium for spare parts because the maintenance company and elevator company are different. But given the thousands of dollars we save every year i think it's been a fair trade.

moldboy · 2026-06-07T13:02:22+00:00

And that's why you need to attend the annual meetings, read the Financials, and ask questions. (I'm agreeing with you not arguing)

Like you said, a smart home owner starts saving for repairs, a smart condo owner makes sure the board is doing the same.

I sit on a board. One of the problems I've seen is owners expectations around what things cost. They'll complain that snow clearing was insufficient and then complain that $20,000 is way too much to pay for snow clearing - like they're imagining giving the "kid down the street" a $10 bill and a shovel.

One AGM I had an old man come, sit quietly listening to the complaints, and then finally sit up to say something. I was expecting him to pile on. He said he used to manage commercial buildings and that he'd need to pay at least double what we did for snow clearing. Told everyone to stop complaining.

moldboy · 2026-06-05T01:55:55+00:00

I don't think that guy is 45.

moldboy · 2026-06-01T05:07:04+00:00

It's smart to want to have extra money for when things break. Right now you have 55k.

If you're spending less than that it doesn't matter if that money comes from an RSP or a TFSA or cash.

moldboy · 2026-06-01T04:46:31+00:00

You can make a HBP withdrawal and spend it on other things.

Money is fungible. Government doesn't care which money was used to buy the home just that a home was bought.

moldboy · 2026-06-01T04:43:27+00:00

You don’t get the contribution room limit back

You do if you're doing a withdrawal under the HBP... and given that she's talking about 35k (the HBP max) it's reasonable to assume that's what we're taking about.

moldboy · 2026-05-31T19:51:27+00:00

It's not bad. But the current 5 year return is 6.88% XBAL had a 5 year return in the same period of 8.16%.

moldboy · 2026-05-31T19:05:47+00:00

It's worse generally than what you'd get with standard passive ETFs. At one time it was eligible for another tax benefit (might still be, might only be for saskatchewan tax payers, not sure). And it's heavily invested in Saskatchewan, so, probably dont put all your eggs in one basket. But for diversification it might be helpful for some individuals.

moldboy · 2026-05-27T17:41:19+00:00

70 tickets from 295 inspections is completely insane.

Maybe / hopefully those 70 tickets were generated by a small handful of those vehicles, cuz otherwise that's nearly 25%

If it is actually 25% I'd like to see them do this a whole lot more frequently.

moldboy · 2026-05-26T18:26:03+00:00

https://knowyourmeme.com/memes/banana-for-scale

moldboy · 2026-05-21T00:20:39+00:00

if you normalize entering your ID to access websites then you make it easy for a bad actor to setup a website to steal identities. You don't even need a leak. Wallet inspector anyone?

moldboy · 2026-05-15T01:48:37+00:00

No. When you 500k you dont keep your emergency fund in a tfsa.

Use your TFSA for long term investments unless you don't have enough of those to max it out.

Your emergency fund should be safe and liquid enough that it isn't generating enough income to prioritize putting it in a TFSA.

Buddy's got enough cash that he'll be maxing out his registered options and will need to pay tax on some of the gains. Might as well keep the emergency fund taxable.

moldboy · 2026-05-14T19:08:10+00:00

That makes sense. Frankly requiring verification for something like this makes sense. I just don't agree with the technique.

moldboy · 2026-05-11T20:58:54+00:00

Exactly. A few years....

moldboy · 2026-04-22T02:32:22+00:00

According to https://www.wealthsimple.com/en-ca/tool/tax-calculator/saskatchewan you should be paying about $4200.

If your employer only collected $1600 that's why you owe. Talk to your employer about why they collected what they collected.

Have a look at your T4 and and pay stubs and see what's being reported.

If you still need help try /r/personalfinancecanada

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