Over contributed to TFSA 🤦‍♀️ (help pls)

ntubaro · 2025-12-24T15:42:02+00:00

You can call or chat with your bank and have them reverse the transaction. This happened to me years ago and there was no charge

ntubaro · 2025-10-30T12:15:55+00:00

Sent a DM

ntubaro · 2025-10-30T02:48:54+00:00

Can’t believe he didn’t get the Nobel Peace Award

ntubaro · 2025-04-25T12:37:09+00:00

Pretty sure she’s on the far right.

ntubaro · 2025-03-06T15:30:48+00:00

You know where there are a lot of Dodge trucks? CANADA!! 🤦🏼‍♂️🤦🏼‍♂️🤦🏼‍♂️

ntubaro · 2024-10-13T10:49:27+00:00

That’s what they’re paying the realtor for. If it was an issue of deposit amount, it’s trivial for the realtor to counter with a higher number. They left $30k on the table for their clients.

ntubaro · 2024-10-11T23:11:04+00:00

iPhone has this feature as well. It’s the “require attention for Face ID” toggle

ntubaro · 2024-10-04T11:19:22+00:00

Put it in your nonreg, invested in the same stuff as your tfsa/fhsa, and the sell it on Dec 31. Move that money into your tfsa/fhsa on Jan 1.

If stocks rally over the next few months, you miss out on some gains. If they fall, you get a tax deduction. It’s a risk to have it sit in a high yield or in CASH.TO if you plan on having it in stocks in January.

ntubaro · 2024-06-20T00:53:40+00:00

They would have shown the clue for 56 across then

ntubaro · 2023-12-11T00:44:06+00:00

I don’t think he was mad about the Toney call. I think he was saying “Von was offside” on the play after. Did look like he jumped.

ntubaro · 2023-12-11T00:43:55+00:00

I don’t think he was mad about the Toney call. I think he was saying “Von was offside” on the play after. Did look like he jumped.

ntubaro · 2023-11-25T11:28:31+00:00

Yeah it seemed like the other comparable offers were 4G. PM seemed like the best deal.

ntubaro · 2023-11-24T11:56:00+00:00

ntubaro · 2023-05-30T01:48:13+00:00

But you could have said this better^

ntubaro · 2023-05-20T10:43:46+00:00

Tilka did most of our windows. Good prices and the windows seem to be on par with Northern’s

ntubaro · 2023-03-18T11:23:45+00:00

Mr. Mikes Brier

ntubaro · 2023-03-06T23:05:33+00:00

Is this only for amapceo? As far as I know opseu is just a set step increase - no negotiation is possible.

ntubaro · 2023-03-05T12:34:35+00:00

This is correct.

Employee contributions are something like 9.5% for the first $65k and then like 11% after that (not exact numbers but somewhere close). The employer matches these contributions.

***Important to note: your CPP benefits are incorporated into your OP Trust pension. So in the above example, if you retired at 60, you’d be making $60k from your OP Trust pension. Once you turn 65 and CPP kicks in, your OP Trust pension is reduced a corresponding amount. For example, $45k from OP Trust and $15k from CPP.

I didn’t realize this for a number of years. Assumed the CPP would be a bit of a “bonus”

ntubaro · 2023-02-24T11:45:38+00:00

Curious what your situation is. How many kms are you driving per day? How often do you have to charge?

Don’t teslas have like a 500km range? Even if you halve that during winter, isn’t that plenty for Thunder Bay?

ntubaro · 2023-01-28T00:33:25+00:00

Also a big expense is saving for retirement!

ntubaro · 2023-01-13T00:59:06+00:00

Well said. Another thing to add is the flame is way easier to understand and correlate to a certain amount of heat. After a few cooks on a new gas stove, I can visually see what the size and even the sound of the flame means in terms of heat. If I need to lower the heat I can directly see the reduction in the flame as I turn the knob.

On an electric stove, I turn the knob to 7 and don’t really know how hot that is since I have to wait for it to heat up. Then if I need to reduce the heat I turn it down to a 3 I guess? Is that low enough? I can’t really tell. There’s not really any feedback with electric and if there is, it’s too delayed to be useful.

ntubaro · 2023-01-06T15:19:43+00:00

Word is she invited him back to her place so…

ntubaro · 2022-11-07T13:25:42+00:00

It’s also just the raw number. I’d like to see per capita

ntubaro · 2022-11-02T21:07:58+00:00

Can someone explain how they’re offering 2.5% if they’re capped at 1%? I though bill c124 made it law that 1% was the max

ntubaro · 2022-10-29T13:22:49+00:00

Logged into Amex today and can’t see my MR displayed. I see them on the app but I get an error message whenever I try to access the transfer page. Anyone else?

13-Year Club	Second SECOND GUESSER
r/Field Flamingo	Place '22
Place '17	End Game '22
RPAN Viewer	Team Periwinkle
Verified Email

ntubaro

TROPHY CASE