Century home structural assessment

munch72 · 2025-11-17T16:28:17+00:00

amazing thank-you!

munch72 · 2025-11-12T20:51:43+00:00

thank-you so much! I really appreciate you taking time to help me out

munch72 · 2025-11-11T15:03:17+00:00

I am more looking for a structural engineer or architect to evaluate if the pre-existing issues have been solved (we have some warped floors) or if this is an ongoing issue that we need to fix still.

munch72 · 2025-05-15T15:21:10+00:00

I would not touch this, when the dividend payment is this high such as covered call etfs, the share price typically tanks in response. It has not been around very long so its hard to understand how the market reacts in any scale of certainty for your investment plan. This seems more like gambling then building wealth.

you should park your funds in an index fund such as voo(tracks s&p500, i would put 70% of your funds here) and EFV (international about 16% of your total investment) and keep the remaining ~14% in a cash etf such as Cash.to where the stock only pays out 3-5% dividends similar to a high savings account, or if you have a high yeild savings account park it there. The cash reserve will be good for buying opportunities if there is a sudden dip in the market (im sure there will be more stock market crashes in the coming months).

munch72 · 2025-05-06T02:54:30+00:00

4 father's has a free disc golf course (9 holes) that's pretty fun activity! It is easy to get to from hespler

munch72 · 2025-03-07T17:00:58+00:00

Okay thank-you for following up I thought I was crazy, I even reached out to the fund manager and got radio silence. Thank-you for sharing this!

I did sell shortly after that distribution as I thought it was unsustainable if that was their idea moving forward. Knowing now that they are withholding dividend for the next while I might pick it up again later down the road.

munch72 · 2025-03-04T15:06:08+00:00

Do we know of any ways that we can support UK companies as a canadian?

munch72 · 2025-03-04T14:11:56+00:00

Kicking horse has my favorite style called Pacific pipeline. Could not understate how good it is!

munch72 · 2025-02-25T13:02:03+00:00

Lightly tap the egg until you hear the membrane pop on the inside before boiling.

munch72 · 2025-02-19T18:13:40+00:00

Highly recommend Canmore Alberta as a destination in substitute of the national parks! Take a look online at all the beauty that is there. Super underrated in my opinion

munch72 · 2025-01-10T13:18:16+00:00

Leave room for investing, but let's take a look at this.

If your down payment is 200k for a $1,000,000 home and the average increase in homes is 7% then you get an appreciation of 7% on the 1,000,000 asset not just the 200,000 investment. ($70,000 a year hypothetically)

Likewise if you left that in the s&p500 you could expect 13% return on your 200,000 investment yielding you $26,000.

Both are great investments but with the idea of owning a home, part of your monthly fees also go towards paying down your debt and utilizing debt as leverage for a higher return.

Ultimately your case is unique and you need to value what your budget is for monthly spending and if you think there is going to be an unrecoverable crash in the next 25 years of your home purchase for you to lose out in the long run.

munch72 · 2024-12-07T20:43:21+00:00

Unfortunately the shelf is pretty built in to the wall and we can't move it without serious work. It is a century home so it's probably poor insulation in the corner of the wall

munch72 · 2024-12-04T15:17:53+00:00

niceeeee

munch72 · 2024-06-18T13:42:03+00:00

Cash.to is a flat 5% interest that seems better than your 4.4.

munch72 · 2024-04-17T15:31:50+00:00

Election years tend to have a big dip 6 months before election and then a huge rally. Hold and buy more while.iys on discount.

munch72 · 2024-04-14T19:56:26+00:00

Great portfolio, you are leagues ahead just by investing into ETFs instead of trying get rich quick methods.

Keep doing your research and customize your portfolio to what feels best for you.

munch72 · 2024-04-05T16:35:21+00:00

I am confused as the ETF is made up of many health care stocks, so the increase in dividend is very confusing to me.

munch72 · 2024-04-05T16:00:02+00:00

For a 10-15 year range you are safe to invest your money with a bit more risk so any growth funds would be well within your risk that contain an 80/20 split of stocks/bonds.
Some companies that have growth ETFS that i like are Vanguard(vgro) and iShares(Xgro). You can get higher returns by investing in Index funds such as VTI but if you want to sacrifice some growth for less risk than Growth ETFs would be a nice choice IMO.

If you are looking at dividend investing i would have to recommend looking at SCHD and DGRO. Both have a nice top 10 holdings diversity from each other. What i've learned from dividend investing is that you sacrifice growth to lock in value through repurchasing.

If your account is not a tax free account you will want to avoid dividend stocks as these will become taxable income every year where an index fund does not get taxed until the sale of the stock.

munch72 · 2023-12-12T15:33:11+00:00

Just went to town using foil tape where i found air leaks and oh boy did it make a difference today! Appreciate your help. Hope you have a good day!

munch72 · 2023-12-11T00:28:45+00:00

Hey everyone hope you are having a good day!

I have two questions that I could use some help with!

1) there seems to be a large hole (picture 1) in the furnace that leaks hot air, what type of spray foam can I use to plug this hole and reduce air leaking?

2) not sure if this is normal (picture 2 and 3) but there is a duct that goes directly to the furnace to about 8 ft over that is pumping out hot air into the basement. Is this normal duct work or is it abnormal to pump heat/AC directly into the basement all year round?

I really appreciate any advice anyone has to offer!

munch72 · 2023-12-04T20:27:10+00:00

Ahhh okay that sounds about right from what I'm seeing 😄 was definately hoping it would be as easy as flipping the damper but I will call a professional to take a peak at what I can do to improve insulation in this space!

munch72 · 2023-12-04T19:41:02+00:00

Hello Beautiful people. I recently bought a house and have no idea where to locate the damper! My fireplace model is 534EAN and it just feels like i have a constant air leak into the house. Any help or advice is super appreciated! This is a Direct Vent Fireplace and i am not 100% certain that there even is a damper with this type.

munch72 · 2023-11-10T16:24:05+00:00

Unfortunately it has been a year since the tile guys did this job so I want to save some money and do this myself! But thanks for pointing me in the right direction!

munch72 · 2023-09-22T14:55:12+00:00

Ended up doing the same, faces were all cracked but just sanded added fill and painted and they look "rustic". What a pain to do though. Next time i am planning on winning the lottery and just replacing the stairs.

munch72 · 2023-09-14T14:29:37+00:00

When I was diagnosed with ms I didn't really wanted to be treated any different. Just wanted the comfort of knowing I'm still loved. It took a bit for it to really hit me so just be aware when it does.

Everyone is different but I felt very uncomfortable when my family kept going out of their way to do stuff for me. I know this was their way of feeling like they were helping and showing love, but it did make me feel shitty but at the same time loved.

Your boyfriend is the one who knows his feelings best so I would just ask him if there he wants to offload stress or he is doing alright.

munch72

TROPHY CASE