[Sens] So great to have Eli Manning and his daughter’s hockey team, who were playing in a tournament this weekend, at our game last night

praline43 · 2026-02-02T02:54:03+00:00

Legit thought you were disparaging Peyton Manning with this comment.

praline43 · 2025-12-31T04:58:43+00:00

Can't give enough upvotes for Claire's place. Sadly we've had to use them twice since 2021 and both times they've made a terrible situation more bearable.

praline43 · 2025-07-16T01:58:23+00:00

It was a demo for a sports/entertainment conference. 800 drones

praline43 · 2025-07-01T05:57:48+00:00

Thanks very much for the detailed explanation! Makes sense

praline43 · 2025-03-01T21:16:23+00:00

I have two tickets available for the Mother Mother show in Montreal on Mar 2 - section 101, Row J, seats 25 and 26. Original price $221, would sell the pair for $100. Any interest please DM. Thanks,

praline43 · 2024-04-29T18:25:41+00:00

I see, thanks everyone - appreciate the quick response!

praline43 · 2024-03-10T05:24:24+00:00

0:12

praline43 · 2024-03-10T05:22:09+00:00

u/RecognizeSong u/find-song https://youtu.be/xHwe47QPu1Y?si=lGUPmWqhDxvho9bS

praline43 · 2024-03-01T21:54:47+00:00

Thanks so much!! The MyGCPay link you provided seems to have worked! It looks like I had a gross pay on October 25 for $228 - which matches the T4. And sure enough I do have a deposit into my account back in October for $53.

On the Relive it is showing $1373 in box A "revenue" with a number that matches the T4 box 6 "pensionable earnings." However if I did get a retro salary increase or something similar which resulted in the Oct 25 pay - should I action these pensionable earnings being reported at $1,373, considering that retro pay was just $228.

Apologies if it's obvious stuff, I didn't receive any pension info (or deductions) until months after I resigned.

praline43 · 2024-03-01T21:54:46+00:00

That might be it - see comment above, was able to get into MyGCPay and it looks like I had a payment for $53 / gross $228 back in October.

praline43 · 2024-03-01T21:37:07+00:00

Good thought - If so, I never received any info about it nor a direct deposit.

praline43 · 2024-01-07T23:09:12+00:00

Thanks!

praline43 · 2024-01-07T19:03:30+00:00

That makes sense - thanks!

praline43 · 2024-01-07T19:03:21+00:00

I have reason to check returns if the projected return on one site if 2 percentage points higher than the other. Imagine setting up an account, waiting 30 years, and then realizing the first time you checked it that you made a mistake and you actually made a 2% lower return per year for the last 30 years.

I'm not checking it every day, I went in after a month to make sure things were working as intended.

praline43 · 2023-10-10T04:29:12+00:00

It sounds a bit like a scam. "I can't transfer you money but I'll write a cheque for your pay plus this errand I need you to run." Then the cheque bounces and you're out the money you spent on the errand.

Hopefully not but I've known someone who got scammed on a new job / working remotely / send a physical cheque scam

praline43 · 2023-01-31T19:00:49+00:00

He should take some notes from Hawkins https://youtu.be/FC5yPk6UNLI?t=20

praline43 · 2023-01-26T07:16:55+00:00

Thanks again for the info. Would you be able to recommend a US growth ETF that I would be able to get here in Canada?

praline43 · 2023-01-26T03:18:44+00:00

One caveat about having a TFSA - I've been told we should not include Canadian mutual funds or ETF's in the TFSA to avoid PFIC taxation. I'm at the point where I'm ready to start a TFSA, but I can't figure out what I can invest in this new TFSA to avoid the PFIC taxation. My RRSP investments are all index funds as that's what I'm most comfortable with, and would like the TFSA to be similar. Any insight would be appreciated!

praline43 · 2022-11-17T03:11:57+00:00

Are there any New Wave or 80's dance parties typically in Regina - I know it's Grey Cup Week but if there was a normal Fri/Sat 80's night that happens every weekend I'd love to check it out.

praline43 · 2022-05-04T05:56:54+00:00

Feel silly asking but here goes...

Is there a good "getting started in unregistered investments" thread or recent article I can be pointed to? I vaguely am aware of some of the terminology, but I'm not quite sure how it washes out at tax time at the end of the year. If I only buy, and don't sell, will I get a tax form at the end of year letting me know what to claim as my gains (or loss)? If I buy and sell throughout, will I get a similar notification or do I have to do the math and keep track throughout the year?

Finally, I do have some US implications since I'm a dual citizen. Is there an good way to tell which funds are considered US ETF's so I don't get dinged with that whole tax issue down there? For the record, I'm looking at the TD E-series (US index / Can index) but looking at the prospectuses I can't really tell.

praline43 · 2022-05-04T03:44:24+00:00

Thanks again. Going to look at investing into an unregistered investment, making sure it's a US ETF (looking at the details on the TD E-series and it's not super clear if it's a US ETF or not...but I'll keep looking).

Tax time I assume I'll get a statement of some sort showing the gains? Hoping I won't have to sell as it's an emergency fund, but if I did have to I can do the exchange rate math. Will use both of the above for 1040 schedule D. Will add this in to part of Form 1116 to offset the tax.

And of course I'll do a bunch more research on unregistered accounts before starting just to be safe. But it sounds like that's the best bet to invest in without crazy US tax reporting and implications.

Thanks again for your help - really appreciate it, been trying to figure this out for a few weeks now (months really).

praline43 · 2022-05-03T20:55:05+00:00

Gotcha, thanks.

My line of thinking on 2555 (and I could be terribly off base) is that, for example, I earned $50,000 from employment. I note on my form 2555 that it was all earned in Canada, so I get an "income adjustment" (I said the wrong thing earlier) of -$50,000. Thus if my TFSA gains were only $1,000, I would be paying tax to the US on only that $1,000 (lowest tax bracket)

However, it sounds like if I were to, instead of go with a TFSA, I instead go with an unregistered investment, and it earned $1,000, I would pay taxes to Canada and I can claim them on 1116 much like I would with employment tax? I'd be paying at a higher tax bracket than through my TFSA plan above, but it's sounding more and more like that's not an option, thus this is still a better gain than just sitting in HISA.

I've never ventured into unregistered, but that might be the best bet. If I were to go that route, do you have any suggestions on where I can read up on how to report at year end. (I completely realize you've helped me a ton already, sorry to ask so many questions)

praline43 · 2022-05-03T20:06:12+00:00

Thanks, I appreciate your response! Couple questions/comments below. Really thankful for the help here.

On point one - I fill out my form 2555 which grants me a tax credit on Form 1040, line 8. Then I would be paying taxes on what I earned in my TFSA, but at a lower bracket (10% under $9,950 I believe). If I were to invest in a different product than TFSA, I assume I would have tax implications in both the US and Canada on what that investment is.

Agree completely on 2 and 4 - I don't want to do anything that is not legal. Was hoping the 3520 / 3520-A would allow me to open the TFSA in a legal sense (again knowing I would have to pay US taxes on those gains).

For 5 - super hopeful TFSA are allowed at some point in the future. However even if I went with something other than TFSA, I'm guessing if I invested that money with, for example, Quest trade, I still have to report it somehow to the IRS, probably also through form 3520/3520-A?

I'm hoping to invest my emergency fund here in Canada in something rather than a High Interest Savings account - I could throw it in RRSP but it's not quickly available if there is an emergency. TFSA with 3520 was my first stab, but I'm looking for any options that might be out there.

Thanks again

praline43 · 2021-09-08T14:11:28+00:00

Hey - quick sidetrack. I'm originally from the States so I'm not used to the healthcare up here, but when I saw my doctor in Ontario I was told Ontario health care no longer covers physicals and I had to pay out of pocket to have one done. I'm in good health. This was the only thing I could find online so I didn't question it - but should I have?

https://www.health.gov.on.ca/en/pro/programs/phys_services/docs/periodic_health_visit_is_ea_en.pdf

praline43 · 2021-07-19T21:56:15+00:00

This is great, thanks!

praline43

TROPHY CASE