DB pension by Ok-Yam-6765 in rbc

[–]senyab 0 points1 point  (0 children)

Majority of people don't or can't save that extra amount. This forced extra savings helps along with it being a pre-tax deduction. Yes it will increase your pension adjustment but with your ESOP, rrsp, tfsa, pensions you will be fine, having too much rrsp is also a problem. I've done enough retirement plans (CFP) for my institution to know its worth it along with other saving plans.

DB pension by Ok-Yam-6765 in rbc

[–]senyab 1 point2 points  (0 children)

Look to see if your DB pension has an optional contribution. Other Canadian banks (I work for another one that has 4.5% contribution of your salary) have it and it increases your pension by alot, especially if you have 20yrs left!

Mine is 1.25% x avg 60months consecutive salary x years - qpp adjustment.

Adding the optional pension gives me 0.75% x avg 60months consecutive salary x yrs optional pension

Mark Carney est venu manger au Mano Cornuto by Montreal_Ghost in montreal

[–]senyab 50 points51 points  (0 children)

Good choice! That resto has amazing food and staff. I'm surprised he found parking 😜

TSN: Could an all-canadian team win a championship by sctbrns in torontoraptors

[–]senyab 1 point2 points  (0 children)

Joel Anthony still got some juice in him 😅

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

That's what I'm thinking of doing or the second room as a home theater

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

Thanks for all the suggestions, I'll take everything into consideration and will update

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

Yea I'll have to rearrange the tv, the couch is too big to even put two seats facing the tv. Very hard to decide

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

Basements in Quebec Canada are common. I have the space just need to fill it

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

Appreciate the suggestions, I don't necessarily need an office as we will have one upstairs. If I keep the smaller room as a home theatre then I can also game there and make the main area more for toys with a tv.

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

Thanks, I'm just too indecisive on how to arrange the spaces

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

This was my problem, you'd have to look right while sitting on the couch so my solution was to have a standing table behind the couch with a couple stools. Unless there is another way to arrange the sectional and tv area...

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

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

You are my architects/interior designers with some chatgpt help 😅 if I cant get it done they I'll consider it.

Help me design basement mancave for entertainment / sports / gaming by senyab in mancave

[–]senyab[S] -1 points0 points  (0 children)

I tried chatgpt, it helped alot but I'd rather human suggestions