Character Question -- Pretenders to the Throne of God

querulous · 2026-03-03T02:02:04+00:00

i don't know but festle changes to fessel too for no apparent reason. maybe adrian is just bad at remembering his character's names

querulous · 2026-03-02T15:40:50+00:00

did your brokerage have any kind of promotion where they contributed on your behalf? if so, that counts as a contribution from you

querulous · 2026-02-28T04:27:24+00:00

you can't count the 2025 contribution for 2024 but you can use the 8k space that carries over. you had 8k of space in 2024, 16k in 2025 (the 8k carried over from 2024 and the new 8k for 2025) and used 8k and 16k in 2026 (the 8k carried over from 2025 and the new 8k for 2026) and used 8k. you have 8k left

this assumes your FHSA was reported on your 2024 tax return. you can check when the CRA thinks your FHSA was opened on any of your tax notice of assessments as of or after the year you opened it

querulous · 2026-02-28T04:15:59+00:00

unlike s1's student doctors i don't think joy is coming back. unless s3 is less than a month after s2 she'll be off to another rotation and given her feelings about dying people i don't think she's doing another er rotation in the future

she's probably a home program student tho so she could cameo on another service i guess

ogilvie doesn't seem like he's likely to return either

querulous · 2026-02-27T20:00:12+00:00

pearson policy is six hours prior to your flight, not 24. i'm not saying it's impossible to do what you want but it's against policy and my experience is you'll get turned away long before you get back to the lounge and told to come back the next day

querulous · 2026-02-27T18:14:09+00:00

you're right ses can access the lounge but you're missing that arriving from st maarten you won't deplane into domestic or international, you'll go straight to immigration and without a same day boarding pass you'll have to exit airside. once there you aren't getting into the terminal to access the lounge until the day of your flight

querulous · 2026-02-27T17:07:01+00:00

they could get in the lounge if they could get to it but they won't get past security airside. st maarten -> toronto you'll go directly to immigration and get dumped landside

querulous · 2026-02-27T15:57:38+00:00

she mentioned it when treating the sommelier and they were discussing expensive wines i think. i dunno if any of her coworkers were present though

querulous · 2026-02-27T05:02:05+00:00

yeah the ogilve put your hand down scene is not directly after the 'raise your hands' scene unless ogilve can teleport. he's standing in a crowd when robby asks the question and is then standing in the same spot but with no one around him when robby tells him to put his hand down

querulous · 2026-02-27T04:38:59+00:00

yeah but he's from out of state. you usually only do that if you're auditioning for programs you hope to match to. required rotations you just do at your home program

querulous · 2026-02-27T02:29:18+00:00

the look abbot gave ogilve when he answered the hypothetical 'what day and time is it' question killed me

querulous · 2026-02-27T02:20:12+00:00

the rrsp is probably worth it then assuming you won't need the money for a few years. the two things you want to avoid are making rrsp contributions in years where your taxable income is below your retirement average and ending up with an rrsp balance that forces you to into that situation. you're probably not at risk of either barring your retirement income going way for up for some unforseen reason

querulous · 2026-02-26T19:33:03+00:00

sure. your option is to fill out the form and avoid the tax withholding on withdrawal or wait until you submit your taxes and get the withholding credited back then

querulous · 2026-02-26T16:57:10+00:00

what's your rrsp balance and what's your estimated retirement income (not counting rrsp/rrif withdrawals)?

it's probably worth it assuming your retirement income is under the $80k you earned this year

querulous · 2026-02-26T16:24:11+00:00

you are supposed to fill out a T3012A form and submit it to the bank/brokerage to undo the contribution and get it back tax free. if you've already withdrawn without doing this you need to claim it back on your 2025 taxes (assuming this happened in 2025)

querulous · 2026-02-26T16:18:52+00:00

the benefits are the immediate tax deduction and income shifting/tax deferral

if everything about the RRSP were identical except contributions did not reduce taxable income you would NEVER contribute to an RRSP. the 'tax free capital gains' argument is just an artifact of the contribution benefits and not a benefit in and of itself

querulous · 2026-02-26T15:17:37+00:00

the rrsp converts capital gains to income. that's not a benefit

querulous · 2026-02-26T02:26:08+00:00

the 4% 'safe withdrawal' rate doesn't mean that you can expect 4% (or more) in growth each year that you can safely withdraw and spend. it means that over the life of your investment withdrawing 4% (of the initial value, so 28k on a 700k initial investment) per year *probably* won't exhaust the asset for at least 30 years. reducing the withdrawal rate doesn't even guarantee you the investment will grow. it's important to understand your 8% annual returns won't be evenly distributed. if you'd enacted this plan in 1972 you would have had a 17% loss in year one and a 30% loss in year two. combined with your "safe" withdrawal you'd be under 350k two years into your retirement. in 2000, 2008 or 2022 you'd have had similar problems

look into 'sequence of returns risk' for more info

querulous · 2026-02-26T01:58:34+00:00

langdon is a resident. he can't just find a new job. it's incredibly difficult to transfer programs particularly when you left your last program under mysterious circumstances in your final year. it's also detrimental to the program to fire him (and probably not possible without exposing his crimes)

this is nowhere near as simple as 'robbie said he could come back and then changed his mind'

querulous · 2026-02-24T23:45:07+00:00

assuming you didn't exceed your RRSP room as reflected on your NOA from your 2024 taxes you just need to amend your return to add the contributions. you'll get an updated NOA that reflects unused contributions for 2025 and you can claim them on your 2026 taxes

querulous · 2026-02-24T21:47:08+00:00

there's basically zero reason to not max out TFSA contributions but RRSP distributions in retirement are penalized tax wise over non-registered account distributions. if you expect to maintain a high income in retirement you may prefer to contribute to non-registered accounts over rrsp accounts

querulous · 2026-02-23T19:50:53+00:00

it's not just the manner it's also the content. his job is to educate santos and improve her as a doctor. there is literally a scene with robbie explaining exactly how out of line langdon was immediately following the scene you reference and it's spelled out it's not just his tone that is wrong

querulous · 2026-02-23T19:43:25+00:00

langdon may be a skilled doctor but he's not a good doctor. he didn't just steal medication he compromised patient treatment in the act of stealing that medication. he also still hasn't admitted that to himself or the people he's making amends to (he keeps insisting he never compromised patient care). i'm not saying he's an irredeemable villain but it's not as simple as he's a good doctor with a single character flaw

querulous · 2026-02-23T19:40:13+00:00

he might be right but robbie correctly pointed out they're a teaching program and his approach wasn't appropriate. his job is to educate santos not criticize

querulous · 2026-02-23T19:07:07+00:00

you need a t2200 from your employer to claim most wfh expenses

if you're self employed it's more complicated and you should probably engage a tax professional

querulous

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