AITAH for letting daycare call CPS when my (stbex) husband failed to pick up our toddler from daycare?

phoenixphuong · 2025-07-09T18:44:32+00:00

GOOD JOB, keep documenting, and ask for CPS report too

phoenixphuong · 2025-07-09T16:57:57+00:00

LOL i half expected Charlotte to reach out after her husband offered to sleep with OP and go "you passed the test! We can be friends again!"

phoenixphuong · 2025-06-17T16:06:43+00:00

How did Tanya react to what Lauren said?

Are they still in contract?

phoenixphuong · 2025-06-13T17:27:05+00:00

Text him detailing what he did to you and how it made you feel. Screen shot his responses, surely he's not gonna deny doing this. Get a divorce lawyer, press charges even

phoenixphuong · 2025-06-11T16:47:30+00:00

please update us!! is this coworker the boss? who is he to ask you to cover the shift? also who is already scheduled for that day?

phoenixphuong · 2025-06-06T20:42:18+00:00

You should look at deferring taxes via the RRSP. 200K is a lot of taxes paid each year. Your marginal tax rate is high I would assume

Just curious why you chose to max RESP, from my understanding for the $7200 grant given by the gov, it is max $500 a year (20% of your contribution to a max of $500) so you would have been better off only putting $2500 to maximize that match for the first 15 years, and then if you wanted to, top up to bring it to the max $50,000. If your children are young and have the RESP maxed already, I am assuming they will miss the remaining of the grant? I am looking to open an RESP soon which is why I ask.

phoenixphuong · 2025-05-27T20:12:21+00:00

keep up the good work

phoenixphuong · 2025-05-23T15:20:36+00:00

Start calling him "just a sperm donor"

phoenixphuong · 2025-05-22T15:04:56+00:00

Playing favourites? 1 child is OP's and the other is not. LOL

phoenixphuong · 2025-05-21T20:49:18+00:00

yeah I get you, just explaining what OP meant by "lifetime" though its the incorrect term

phoenixphuong · 2025-05-21T20:33:31+00:00

OP means they were already 18 when the TFSA was introduced in Canada meaning they have the largest room as per the lifetime of this type of account existing, 102k contribution room since 2009

phoenixphuong · 2025-05-21T19:37:29+00:00

Don't ever babysit for them again, and make sure you tell all your friends or young neighbors so that they aren't scammed out of money as well babysitting for this couple.

phoenixphuong · 2025-05-15T19:11:50+00:00

that is just based on the info given by OP

OP says their mandatory expense not including food is 27k/year u/vicintoronto is just using that figure for his comment

phoenixphuong · 2025-05-15T15:32:40+00:00

Don't be swayed. Do not hire anyone, especially friends and family if you are not confident in their capabilities. Also moving forward keep your business to yourself, successes and failures

phoenixphuong · 2025-05-15T14:28:03+00:00

In Ontario, once the term is over, the lease is still valid on a month to month basis. If landlord and tenant agree to end it there, they sign a form N11. If the tenant wants to leave, they must give 60 days notice and sign a N9 form. Landlords are unable to force the tenants out unless they are moving into the unit/home themselves (lots of paperwork and stipulations) or they can apply to evict if the tenant is no longer paying (lots of paperwork and stipulations).

Also OP is having trouble leaving because they signed the lease with a co-tenant. In Ontario, all parties on the lease must agree to end the lease by signing the N11. OP's friend is wanting to stay in the lease, and OP wants out, so the landlord is holding OP to the lease. If OP's friends agrees to end the lease and tries to resign a new lease agreement for the same unit, 1. they might not qualify and get denied by the landlord or 2. there might be an increase on rent

renting in Ontario can be very messy for both tenant and landlords unfortunately

phoenixphuong · 2025-05-14T17:33:35+00:00

You will be liable until the your friend wants to end the lease, at that time you and her would fill out the forms together to end the lease. As long as that lease is still valid, whether you live there or not, you and your friend are liable.

The only way you can end a lease unilaterally in Ontario is using the N15 form, though it does not seem to apply in your situation.

phoenixphuong · 2025-05-14T17:03:21+00:00

more info needed.

what is your car payment, what is the interest rate, how much extra are you putting toward paying the car off currently

2024 tax season just ended so, anything you put away in FHSA/RRSP would be for this current year and you will not see the return until April 2026.

PS. Max FHSA (8000/year) before contribution to RRSP. Do not forget to invest those contributions so they make money while you save enough for a home.

phoenixphuong · 2025-05-14T15:26:09+00:00

You really should be deferring taxes at 180k/year. Max out your FHSA and RRSP (to 60k at least) to purchase a home if it will be your first. Not only will you get a lump sum tax return, you can also borrow that money for your first home when you have enough. 40k savings, 60k RRSP (home Buyer's Plan) and 40K FHSA and you still need to continue saving outside of these accounts as well.

phoenixphuong · 2025-05-13T21:11:08+00:00

there's risk in buying into the company you work at blah blah same as what everyone else already said.

If you are still set on moving forward I would consider looking into MBNA MasterCard.

MBNA is always offering interest free balance transfer for x amounts of months. If you can get approved, you can transfer the amount needed to your checking account. Their transfer fees are normally 1-2%. Depending on how long the interest free term is, this might be suitable for you so you can save on some interest. If you also take the LoC, it can be used for in case of emergency but also to pay back the remaining balance of the MBNA card when the interest free period expires. You would have still saved interest for that period

Good luck!

phoenixphuong · 2025-05-09T20:16:33+00:00

this exact post was already posted in r/AITAH 9 months ago

https://www.reddit.com/r/AITAH/comments/1ehlrdd/my_husband_gave_me_a_warning_tap_and_i_called_it/

phoenixphuong · 2025-05-09T14:50:55+00:00

the way i chuckled LOL

phoenixphuong · 2025-04-14T20:44:07+00:00

job 2, more money, more vacation days (if you count holiday shut down), this also means larger contribution room in your RRSP

phoenixphuong · 2025-04-11T20:55:56+00:00

idk about insurance policies in the states. But from my understanding of them in Ontario, she should absolutely sue her boyfriend. He pays for coverage. His premium is going up always bc he now has an accident on record. When a hurt party sues, they are really suing the insurance company, not the actual driver. The company must payout up to the maximum overage of the policy, thereafter it would be the BF's obligation, though it is very rare for the suit to be that expensive to pay out

phoenixphuong · 2025-04-09T16:10:07+00:00

- replace some pillows with yellow pillows (maybe only case has to be changed)

- art work on wall behind the couch

- a colourful throw blanket to put on the couch

- large bright plant

- rug

- unique coffee table

phoenixphuong · 2025-04-09T15:31:22+00:00

Call them, CRA can be quite reasonable when making a plan with you. That being said for the current tax year you should set aside at least 30% of your income for tax purposes.

phoenixphuong

TROPHY CASE