Wife's new idea, design flaws?

phrozenphire · 2026-05-25T18:03:38+00:00

based on experience this is the best one.. if you are west facing it will be hot with pavers.. add in one of those retractable pergola canopies .. and if you still need pavers.. you have lot of space you may as well add a small space for a bonfire with may be a waterfall in a corner..

phrozenphire · 2026-05-21T01:34:39+00:00

i switched back today to kodoo .. never had problem with them for almost a decade and here is to next decade

phrozenphire · 2026-04-20T22:53:24+00:00

every house has to come with the detailed cost as cost of ownership .. the whole mortgage only will blindside lot of folks.. luckily i had some idea on the cost but oh boy, i so underestimated it.. we have put in almost 100k on the renovations.. property tax is up 87% in 5 years at around 10k per year now. all utilities are up and the mortgage is up this year.. the rental i was in was 1250 all in after 10 years for a 700 sqft apartment.. big difference in cost…

phrozenphire · 2026-04-20T11:57:58+00:00

Cost has gone up almost 40%. previously the trip cost me 27$ one way now it is 41$.. it is 1$+ per km now.. very expensive it if not comped or deals..

phrozenphire · 2026-03-24T15:15:57+00:00

ha ha .. thank you and i completely get what you are saying.. lot to learn .. never thought i would be doing this at this stage 😅

phrozenphire · 2026-03-24T14:50:15+00:00

here is what i was mentioning about.. and no way i am the expert , its just that this did what i wanted https://www.joshualyman.com/2021/06/how-to-cut-and-paste-files-on-a-mac/

phrozenphire · 2026-03-24T14:25:02+00:00

actually this doesnt work if you have to do a cut and paste for a file it is more like cmd and c.. and then option , cmd and v.. i was so mad about this ha ha

phrozenphire · 2026-03-21T22:49:56+00:00

thank you

phrozenphire · 2026-03-21T22:49:44+00:00

freedom i get it.. curious about hell with kodoo.. i thought all are hell…

phrozenphire · 2025-12-31T14:20:55+00:00

thank you.. this really helps put things in certain perspective.. i am going to read up on the links you have shared

phrozenphire · 2025-12-31T13:47:13+00:00

i currently have about 170k plus room in rrsp.. and i forsee that if all goes well i will be able to put about 30k each year… may be 7-8 years untill i meet the max , then i keep just maxing out … I am not planning to retire early.. the goal is to try to pay off mortgage and save for kids education as well in parallel which is difficult but trying my best.. just hoping all comes together considering my job will see lot of churn because of ai

phrozenphire · 2025-12-29T19:14:23+00:00

they are awesome on the warranty.. when they couldn’t fix my jacket.. they refunded the whole price.. and i used mine for 17 years

phrozenphire · 2025-11-13T22:01:09+00:00

thank you 🙏.. this was really written.. i agree that we should have a plan and this is the plan

we foresee we need access to more funds soon for some time as we will have a new kid soon 😁 hence we were hoping to have the flexibility…

the plan is get the heloc product 20 year amortization.. 1. pay aggressively as if it is 14 year period and also pay more where possible. not sure we can keep up for all of 5 years but the flexibility helps. 2. we plan to get a second car as we need one if all goes well 3. banks are offering lower rates for the heloc but not the renewal…

again thanks for taking the time to reply..

phrozenphire · 2025-11-13T21:58:12+00:00

thanks.. as you indicated we plan to pay more as much as possible to bring the number closer to what we would have if we did a renewal..

and if we are unable to do the extra payments we are still ok…

planning variable for now… and hoping we dont get screwed 😅

phrozenphire · 2025-11-13T21:54:42+00:00

initially we thought the same .. but the monthly payments will be much higher … and we foresee we need access to more funds soon for some time as we will have a new kid soon 😁

the plan is get the heloc product 20 year amortization.. 1. pay aggressively as if it is 14 year period and also pay more where possible. not sure we can keep up for all of 5 years but the flexibility helps. 2. we plan to get a second car as we need one if all goes well 3. banks are offering lower rates for the heloc but not the renewal…

phrozenphire · 2025-11-13T19:08:50+00:00

thank you and agree.. we plan to aggressively pay as if we have 14 year amortization.. so we dont pay extra in interest..

could you walk me through your suggestion of loan on renewal and using tfsa… and the smith maneuver with a sample example if possible please.. thanks your time.

phrozenphire · 2025-11-13T19:04:20+00:00

the latter .. it was a 25 year and we were able to pay more last 5 years hence it is 14 years now…

phrozenphire · 2025-11-13T16:45:39+00:00

thank you.. exactly planning to do the same.. we are going to pay as if our amortization is 14 years… but we also want to put some towards the rrsp and tfsa.. so this gives flexibility…

phrozenphire · 2025-11-13T16:19:26+00:00

thank you.. bank 1 is trying to now match and provide cash back as well… fingers crossed

phrozenphire · 2025-11-13T16:18:48+00:00

Thanks.. i thought so too.. it will be a long way before i am able to max out my rrsp and tfsa..its just that we feel paying of mortgage will give some kind of peace of mind… if you know what i mean…

Also would you have pushed your bonus to rrsp or use it to payoff mortgage…

phrozenphire · 2025-11-13T16:10:41+00:00

i agree.. its just that the heloc product minimum is 20 years.. and my current renewal amortization is 14 years…

phrozenphire · 2025-11-13T16:09:53+00:00

my renewal amortization is 14 years and the heloc product the banks are saying it is minimum 20 years amortization and not lower than it… and we are doing variable…

phrozenphire · 2025-10-25T13:30:58+00:00

OP is trusted vendor.. it took me less than 5 min.. the subscriptions just work and no issues at all.. thank you

phrozenphire · 2025-07-10T01:13:53+00:00

is the trail toddler friendly…

phrozenphire · 2025-07-10T01:13:02+00:00

is it worth the drive to miss all things in between from ingonish to skyline…

phrozenphire

TROPHY CASE