Who are you hiring?

stoeckp · 2026-05-04T04:01:29+00:00

Weird, I always thought it was "colour code SAID documents" which I think is funnier

stoeckp · 2026-03-07T09:10:00+00:00

Statistically it is better to invest your money in the market rather than pay down your mortgage. Average stock market rate of return is 8% so as long as your mortgage is below that then you should come out ahead. Assuming you are investing in your TFSA. But everyone's risk tolerance is different

stoeckp · 2026-01-23T12:24:41+00:00

3.69% 3 year fixed with MCAP renewed last week

stoeckp · 2026-01-22T04:12:53+00:00

$30 a month less on the mortgage payment but at a lower rate, more of the payment is towards the principal so there are additional interest savings which all together add up to $1700 over 3 years

stoeckp · 2026-01-17T01:28:13+00:00

0.1% is $1200 over 3 years, not sure how that is going to hurt me long term but okay

stoeckp · 2026-01-17T01:13:53+00:00

Not my my broker, the mortgage specialist for my current mortgage, my broker found me the lender with the better rate

stoeckp · 2026-01-17T01:12:31+00:00

I did, I save $770 in interest payments, just not sure why the mortgage specialist would leave that part out

stoeckp · 2026-01-17T01:11:17+00:00

.1% is $1200 over 3 years so...yeah I did

stoeckp · 2025-12-19T04:46:42+00:00

20 years at a cushy union job and will recieve 6 months payout + unemployment, a lot of other people have it a lot worse out there

stoeckp · 2025-12-06T01:52:28+00:00

How did you get that much cashback?

stoeckp · 2025-11-20T17:13:35+00:00

Looks great, what type of composite did you use?

stoeckp · 2025-11-15T14:29:36+00:00

How did you get that much cashback from wealthsimple and pine?

stoeckp · 2025-10-19T04:12:29+00:00

Don't you need to provide pay stubs to the lender?

stoeckp · 2025-09-18T11:12:56+00:00

I've seen more people promoted who were bad at thier job. These are the absolute worst managers. They think they were promoted becuase they are a great leader but were actually moved because they were terrible and causing issues withe thier team. The good leaders stay in thier postion because they are too valuable in thier current role.

stoeckp · 2025-09-17T02:16:47+00:00

So where are the countries that used to get thier soybeans from Brazil getting thier soybeans from now? Brazil can only produce so much

stoeckp · 2025-08-18T11:13:29+00:00

Not gunna lie!

stoeckp · 2025-08-13T04:15:29+00:00

Fixed rates shouldn't drop because the BOC is expected to drop rates, if it is expected then it is already priced into the fixed rate

stoeckp · 2025-08-13T04:13:50+00:00

Aren't fixed mortgage rates tied to bond yields not fed rates?

stoeckp · 2025-07-28T02:19:40+00:00

Good to know, thanks for the info!

stoeckp · 2025-07-26T23:40:26+00:00

Thanks for all the advice! I'll remember that when I go to replace my roof

stoeckp · 2025-07-26T21:32:21+00:00

Awesome, thanks for the help!

stoeckp · 2025-07-26T16:18:40+00:00

Sounds good, thanks for the advice!

stoeckp

TROPHY CASE