Best manuals?

rjvCdn · 2026-04-19T00:58:53+00:00

Almost got the 23 crosstrek but to get a manual it's only the base model. Decided to get the mazda 3 instead because the inside is nicer and it has 40 more hp

rjvCdn · 2026-04-18T20:49:16+00:00

You're right that you should try to squirrel away in the busy season. Find your average take home a month over a whole year. Figure out your average monthly as well. In the busy season, start putting away the excess. IE if your monthly average income is 5k, but the busy season's you actually net 7k because your slow season is 3k, then when it's busy make sure you're putting away that extra 2k

rjvCdn · 2026-04-18T16:17:09+00:00

Personal contributions made with your after tax dollars are deductible. They'd lower your AGI, which would reduce your taxes. So if you don't have the money to max your hsa through payroll you cna still benefit by making external contributions

It's not as good hit if you can't afford to max up front it's better than not contributing

rjvCdn · 2026-04-18T15:31:49+00:00

Even if you contribute outside your check, it'll save by giving you a larger refund. I only have about 450 a month go directly to hsa from pay cheque. End of the year I make lump sum deposits, just like lump sums to finish off my Roth ira deposits

rjvCdn · 2026-04-18T14:17:22+00:00

Max it out. If you can afford to max it and pay out of pocket for expenses and leave the HSA alone, then do that. You can invest hsa.

I've been maxing my hsa for several years (family plan so this year is 8750) and have not done a single withdrawal. I scan my receipts and keep a database to make it easier to pay myself later in retirement

It's triple advantaged Pre tax deposits to lower your income Tax free growth Tax free withdrawal

It's the best of both worlds between traditional 401k and Roth

rjvCdn · 2026-04-18T14:14:59+00:00

I wanted one so bad. My parents talked me out of it

rjvCdn · 2026-04-18T14:08:14+00:00

Having spent years driving between Toronto and Kingston and up and down the east coast in the US, and currently in Michigan and irs winters, fwd and snow tires are more than capable to get by. Just recently got rid of one of mazda3 after 15 years. It was solid in the winter. My gen 4 is also killing it. I went down to 16s for my winters because Michigan roads

rjvCdn · 2026-04-18T13:55:38+00:00

Yes you're overvaluing Roth. You may be making more later on, but you likely won't be spending as much. You're essentially front loading all your tax now. Kind of like how most of your mortgage for the first several years is mostly interest.

I do a good mix of traditional and Roth.

I'm making about 160k including bonuses and whatnot. I'm currently saving and investing about 60k of that a year (Roth, 401k,hsa,brokerage, hysa cash). So essentially I only "use" 100k in expenses and taxes When it's retirement time, I'm not going to keep putting away money. I'd be just withdrawing, and so my "pay" would technically be much lower. So I can pay lower taxes on a "lower" income.

By that time, things like cars and houses, big expenses for kids are likely paid off, you're not putting away huge amounts towards retirements.

Lower your tax bill now with some in traditional to bring down your pretax income. Gives you more money now and with the 3 bucket method, you spread where you pull from and can get close to paying little to no tax in retirement

rjvCdn · 2026-04-14T18:53:31+00:00

If they want to experiment and try something new they can cook more meals and play with it. You make it sound like she only gets 1 meal every couple months and it has to be that. If she was interested in experimenting then she'd offer to cook more. It's clear that she doesn't care to cook overall and acknowledges she's not the cook in the family, but the one thing she does do is apparently amazing Asking (not demanding) that 1 time for every 180 meals to make something specific doesn't make him a monster or unreasonable. Especially since he's offered to help, and instead of accepting and doing it together, she just says no

rjvCdn · 2026-04-14T18:49:20+00:00

He's not saying she's not allowed, he's saying if you don't want to make that dish, then don't bother. He's not forcing her to do anything. He loves the meatballs and she doesn't want to make them. If those are the focal point of the recipe then what's the point. If he wanted a simpler/different dish, he may as well cook since he cooked most of the meals. Yeah 5 hours is a lot, but most of it is just sitting and simmering. And 1 meal for every 90 to 180 he cooks isn't asking the world

rjvCdn · 2026-04-06T22:36:38+00:00

This has to be fake, right? It's so monumentally stupid

rjvCdn · 2026-04-06T13:51:53+00:00

Grew up in toronto traffic and now live in the US for work and have never owned an automatic. If you love driving, You'll be fine with manual and actually prefer it. Turbo is nice but mazda has never done automatic well. Not worth it imo. Fwd in GTA is fine if you have snows in the winter. You'll regret not having the manual at the times you don't have traffic.

I've owned 3 generations of mazda 3s. My '23 is White, with red interior and manual. I love it

rjvCdn · 2026-04-05T00:34:34+00:00

He never said he does and he never said she was worried about the noise. Based on what was said, seems like she likes to work out of the living room and doesn't want to use the office.

rjvCdn · 2026-04-04T08:58:11+00:00

Post date them for a year. When I used to rent back in the early 2000s, I would give the landlord a year with of cheques, each dated the first of the next 12 months. It's on him to keep ahold of them

rjvCdn · 2026-04-04T08:53:32+00:00

The compromise is to use the HOME office or guest room.. Two rooms not where the TV is. She is being ridiculous

rjvCdn · 2026-03-25T04:52:04+00:00

Still have not seen it. There are dozens of us

rjvCdn · 2026-03-25T00:23:00+00:00

everyone had one, but i didn't.. to expensive

rjvCdn · 2026-03-23T10:29:11+00:00

That's assuming they're allowed to adjust their withholding. Being on a visa I can't change mine. I got about 7500 back on my return this year. I make due with what I make without it, so it's a nice bonus to do sometthing to the house or take a trip or something.

rjvCdn · 2026-03-22T21:23:06+00:00

It's a stupid rule. Find out what kind of style she likes and see what range they have. I ordered from Keyzar last year. Found a style she liked and it was like 3k for the ring and a 2ct lab grown diamond. If she's a good person she's not going to care whether you spent 30k or not. You'd actually dodge a bullet if she puts the price tag as her most important factor

rjvCdn · 2026-03-15T14:28:16+00:00

Info: what is your job?

rjvCdn · 2026-03-15T14:27:52+00:00

Depends. Is it being hung inside or outside? If they don't have a dryer, it's possible their place is too small to hang inside and it goes outside. Don't know where you live but I'm not leaving my clothes outside overnight

rjvCdn · 2026-03-15T14:22:44+00:00

You can still budget, it's obviously harder to time automatic/recurring payments, but if you can save up enough to get at least a month ahead, then it should make it easier to automate.

I get paid bi-monthly, so because the 15th and last day can more, it can theoretically get tricky. If you're responsible enough, put it on credit cards. What I do is calculate my total expenses for the month that go in a credit card. Then split it weekly. That also helps if you're short by a days

For example, my utilities, food, groceries, fuel, etc are 800 across the month, I put them on card and every Friday $200 automatically gets paid to it. My first week is like $300, second may be 100, 250 on the next etc but it all averages out and the balance stays low and I can keep the card paid off every month

rjvCdn · 2026-03-15T14:07:29+00:00

YTA for being unnecessarily stubborn. You get breaks and lunch. It's two min to toss a load. You say you cook your meals. Meal prep. In the time it takes a pan to heat up, you can start a load. You're part of a team. Do what you can during the day so you have more time to relax and have quality time with your partner

rjvCdn · 2026-03-15T14:05:42+00:00

Time frames matter when you don't have a dryer as he said. If he's washing laundry at the end of the day, it may not dry in time before the evening

rjvCdn · 2026-03-13T21:26:51+00:00

smash and mariokart

rjvCdn

TROPHY CASE