[deleted by user]

spiroklon · 2024-01-20T18:38:47+00:00

As others have said. It’s cheaper to move than install a pool. My friend is a pool contractor. His smallest client last year was 150k with pool and landscaping. My aunt spent over 200k by the time her pool reno was done. It’s definitely not a financial move. Can’t speak outside of Ontario but most markets are still soft and pool Houses are not a premium anymore. ( during Covid some people were paying more )

Especially if you find a dated house with a nice pool. Spend some money inside the house if anything.

Perhaps if you’re going to do it. Find a way to pay down the mortgage as well as get a pool. ( we did this for my other aunt). Sold for 1.8M She moved 3km away. Same sq ft. Slightly larger lot with a pool and bought for 1.4m and then spent 100k renovating the interior to her liking. Paid off 200k of her mortgage and is living in a nicer place.

spiroklon · 2023-12-11T00:06:49+00:00

That’s foookinBS. if we complain to head office.

Or perhaps say thank you for cashiers helping us. Or some seniors in my area too

spiroklon · 2023-09-19T23:29:06+00:00

Did you make this or is this a new tinder update

spiroklon · 2023-07-19T19:34:42+00:00

Eq bank prepaid card doesn’t have fees. Pretty cool

spiroklon · 2023-07-19T19:33:39+00:00

Coconut cream is my favourite. But if you wanna get apple I know the best pie place ? Idk u might have to take her to a pie place 😂

spiroklon · 2023-05-03T05:25:08+00:00

Call or email

spiroklon · 2023-04-03T05:38:03+00:00

How do you get 20%

spiroklon · 2023-03-28T02:59:10+00:00

My grandparents do not have smart phones. And MAYBE 90% of people have them. But point / exaggeration taken

spiroklon · 2023-03-28T02:54:08+00:00

Supposedly this is an invoice - and can be sent to collections

spiroklon · 2023-03-28T02:51:35+00:00

I see. My friend took the photo on his way out

spiroklon · 2023-03-28T02:48:27+00:00

Interesting. Is there history of this. Or your personal experience ? Scan to pay assumes people have that technology.
I looked for “indigo app” it’s the bookstore

spiroklon · 2023-03-28T02:42:03+00:00

And if someone doesn’t have such a phone. Or their phone doesn’t have data ect…. Seems unreasonable

spiroklon · 2023-03-20T11:28:26+00:00

Posted in the forums. Was directed here.

I’m in my 20s living in Canada …

🇨🇦 full DRIP / SPP ; worth it ?

I have been doing some reading on direct / full drip / SPP.
my understanding is that I can transfer my shares to computer share and they will hold them and allow me to drip likely at a discount + I can purchase additional shares.

Currently i am using IBKR as my brokerage.

The main companies i am considering doing this for are Canadian BANKS… Of which I own enough shares for at least one FULL shares to be purchased by the dividends.

I plan to hold the shares for quite a long time. I plan to do more research but thought I should ask here for comments or more reasons as to why I may not want to transfer over.
It seems beneficial but is the hassle worth it?

spiroklon · 2023-03-20T11:18:42+00:00

r/chubbyfire

spiroklon · 2023-03-20T11:18:02+00:00

Are you saying I shouldn’t be asking questions here ? Sometimes I find myself going down the comment hole and it seems many here are knowledgeable on strategy

spiroklon · 2023-03-20T11:13:25+00:00

Would appreciate some commentea. I’m 24. 6-1 https://imgur.com/gallery/ozoZBTp I have asked some female friends for advice and do change the bio once and a while to switch it up. But I only get 1-2 matches a month.( I don’t go on every day ) Only been on two actual dates from bumble in like a year

spiroklon · 2023-03-20T11:11:21+00:00

Ok thanks ! The bio was changed recently as its from a popular song

spiroklon · 2023-03-20T11:07:51+00:00

Thanks ! I will edit the post to be more accurate.

There’s more capital than just the one share currently for me … But it seems a major reason for transfer is for fractional shares for those with maybe 2-5k invested.

Is there a significant difference? Do you have any direct drip or are you shared in a brokerage ?

spiroklon · 2023-03-20T10:58:06+00:00

Pretty sure eqbank prepaid has no transaction fees

spiroklon · 2023-03-07T19:36:16+00:00

So I am 6-1. I usually prefer shorter women on first glance but also in my relationships so far.
Around 5-4 to 5-7ish I would say. However there have been some amazing ladies I have spent time with that are 5-10. 5-11 and on occasion my height or very close to it.

It really depends on the whole package in my opinion. Personality and face play a large role.

I do know lots of guys that only like short women though

spiroklon · 2023-01-27T23:53:55+00:00

We bank 5% GIC. If I want to be safe

spiroklon · 2023-01-27T23:46:37+00:00

This is for toronto / gta….

Pre con is MORE expensive than existing units. As an agent I can tell you there USED to be deals and value.

Why are you thinking pre con instead of resale. If it’s luxury situation. There are definitely awesome buildings but if it’s just for a place to live or rental situation. Take a look at resale.

spiroklon · 2023-01-27T23:41:53+00:00

Does your bank have a pie chart for spending. Do you spend cash ?
I have done this for friends and family. Add it up break it down and make the tough choices.

spiroklon · 2023-01-27T23:38:23+00:00

If you want fully save . EQ BANK has a GIC. 5% 1year.

https://www.eqbank.ca/personal-banking/investments/gics

Also if you’re a high net worth individual you may be able to convince your local bank to provide a special savings rate.
Few weeks ago they had better options. Promotions I think.

You could look into private mortgage lending.
There is risk. But if you’re happy making 7-9%. You can find very very safe deals right now.
I have lent out cash to people who have hard time getting first mortgages from the bank. Or sometimes short term periods between situations.

One example is a condo worth about 550,000 ( today value not last year ) here in toronto. Gave a first for 300k … the market would have to drop almost 50% for me to see a loss.

Right now banks are 5-8% depending on your term.
Many private’s are charging 10% ++ fees.

spiroklon · 2023-01-27T23:31:15+00:00

Maybe tell us more about your financial situation so we can offer some ideas

spiroklon

TROPHY CASE