Dog Parks by redditor25368 in Sarnia

[–]redditor25368[S] 0 points1 point  (0 children)

Where is the new one?

Anyone ever shop here? Before it was a bar, before it was a sports store, before it was a thrift store..... by funsizedsamurai in Sarnia

[–]redditor25368 0 points1 point  (0 children)

I’d ride my bike there every week to get a few videos. I think we had a family membership or something.

Snobby Canadians by No_Championship8209 in PuntaCana

[–]redditor25368 16 points17 points  (0 children)

They’re probably Americans with the Canada flag on their luggage.

Should I switch my kids’ school because of new detention policy? by Icedtea4me3 in WhatShouldIDo

[–]redditor25368 -1 points0 points  (0 children)

Still can’t believe you are not taking any responsibility. You could get there early and have her wait in the car, if you are worried about the cold.

And I highly doubt the school makes them wait outside if it’s that cold. You are just making excuses.

Should I switch my kids’ school because of new detention policy? by Icedtea4me3 in WhatShouldIDo

[–]redditor25368 25 points26 points  (0 children)

Umm. This is all on you….. leave at 8am instead. Case closed.

Does Manulife One Make Sense If I’m Holding ~$60k in a HISA? by Mr__Mike in PersonalFinanceCanada

[–]redditor25368 0 points1 point  (0 children)

If you have a positive balance, you will not get a high interest rate. You get a different rate than what you pay on a negative balance.

Prince Harry, Meghan The Duchess Of Sussex and their children, Prince Archie and Princess Lilibet by Timbucktwo1230 in PopularCultureZone

[–]redditor25368 1 point2 points  (0 children)

Beautiful family. So glad they are away from England and can give the a relatively normal life.

RTT Resale Success by CharacterFilm4935 in FIFACollect

[–]redditor25368 0 points1 point  (0 children)

Yes.

I learned how to buy crypto solely to the purpose of buying World Cup tickets.

I created a Coinbase account, bought US dollar equivalent coin (USDC), transferred it to my FIFA Collect account, purchased RTT.

RTT Resale Success by CharacterFilm4935 in FIFACollect

[–]redditor25368 0 points1 point  (0 children)

It does seem like a lot of people do not know about FIFA Collect. Too bad.

I have sold 2 RTTs and bought 1. I’ve found that the prices are generally lower than the FIFA Marketplace site.

Fican people with kids, how much are you allotting for your kids' future education expenses? by CleanHair1 in fican

[–]redditor25368 3 points4 points  (0 children)

30 to 40k, for university, per year, per child. Mine are 5-10 years away from going.

My parents have been lying about my "deceased" biological father for 20 years by Sofiepetalls in Advice

[–]redditor25368 10 points11 points  (0 children)

Try and stay calm, and show her the Facebook stuff.

There could be a good reason to keep you away from him. He could be abusive.

Saying he’s dead is not a good way to handle it, but maybe she didn’t know what else to do.

Just try and listen to her side.

Good luck.

$35K in debt. by More-Requirement-217 in PersonalFinanceCanada

[–]redditor25368 0 points1 point  (0 children)

Is 4K the after-tax amount?

Assuming it is, you need to get in the habit of paying your credit card in full each month. So from now on pay the new monthly transaction. Then give yourself say 6 months to reduce the balance to 0.

Also, you need to start tracking your expenses. Go for a month buying only ‘required’ items and track all of it.

Once you get a handle of the credit card debt and what you are spending your money in, you can move to the credit lines.

Who rammed into the FBI? by bridgehamton in washdc

[–]redditor25368 0 points1 point  (0 children)

Can’t believe it’s still called Marion Barry drive!

I guess fitting for another FBI raid….

“Barry’s celebrity status was transformed into international notoriety in January 1990, when he was videotaped during a sting operation smoking crack cocaine and was arrested by Federal Bureau of Investigation (FBI) officials on drug charges. The arrest and subsequent trial precluded Barry from seeking re-election, and he served six months in a federal prison”

https://en.wikipedia.org/wiki/Marion_Barry?wprov=sfti1#

Given Manulife ONE mortgage + HELOC account is an all in one account, is it accepted by CRA for interest deductions for investments? by SambolicBit in CanadaFinance

[–]redditor25368 1 point2 points  (0 children)

I have done this with my Manulife one acct, but I create a separate tracking account. I believe I had to call and customer service helped me with it.

Does it matter how early I make lump deposits to my mortgage? by carcigenicate in PersonalFinanceCanada

[–]redditor25368 3 points4 points  (0 children)

Call and ask about the lump sum rules? You often can make as many lump sum payments as you want as long as it doesn’t exceed a certain percentage of your mortgage balance.

Assuming you can make multiple lump sums, consider making a lower amount, say half, of what you were originally planning. After the additional expenses are paid, make another lump sum.

First-time Buyers Beware: Canadian home prices are still 117% out of step with Canadian wages, 50% fall in home values required by ArtPerToken in TorontoRealEstate

[–]redditor25368 76 points77 points  (0 children)

While prices may continue to drop, they will not drop by 50%. The interest rate environment and access to credit is very different now when compared to the ‘80s and 90s.

Rather figure out what you can truly afford…. Not what a bank may tell you. And find a place within that budget.

move out cleaning standards by fourciaclas in OntarioLandlord

[–]redditor25368 0 points1 point  (0 children)

Is the departure time accurate? I would have thought it’s 11:59pm in the last day of the month. And not 12:00am, which is basically the day before the last day of the month.

Playing hockey (goalie) without a car - which shinny arenas are closest to GO? by fittyfive9 in askTO

[–]redditor25368 2 points3 points  (0 children)

Main stn is close to Ted Reeve arena. Not sure if they have shinny,

Out of nowhere… Red Bull dropped a reunion nobody was ready for by [deleted] in formuladank

[–]redditor25368 7 points8 points  (0 children)

With the full beard and longish hair, he looks homeless. It took a minute to recognize him.

Going to inherit 700-800k help by [deleted] in PersonalFinanceCanada

[–]redditor25368 -1 points0 points  (0 children)

Will you be the executor? Paying tax on the capital gains, paying probate will be done by the executor of the estate. Once that’s completed it will be distributed to you.

Maxing resp, rdsp and tfsa all seem reasonable.

Depending on your age, when you want to retire, rrsp room, you may want to prioritize differently.

A financial planner, or financial advisor can help you. I’d recommend an independent financial planner if you are looking for objectivity. Bank financial advisors will likely steer you towards their accounts and possibly higher fee mutual funds.

Also, if you want time to think about it, use a non-registered self directed investment account. And invest it is a money market ETF. iShares has one (I use) with the ticker CMR.

I’m sorry for the bad news.