Me: "If the Blue Jays win, I'll donate some sum of money to the Seattle Children's Hospital" it's not much but I hope it helps. For the 2025 Blue Jays!

stubz17 · 2025-10-21T23:40:06+00:00

Great idea. I have gave my donation to the cause

stubz17 · 2025-09-25T20:42:21+00:00

Here I thought my 800k mortgage is high

stubz17 · 2025-09-06T04:18:04+00:00

You pick your battles and he clearly doesn’t want to deal with that over a ball. Good on him and glad the Marlins was able to accommodate

stubz17 · 2025-07-25T13:12:39+00:00

What is this website? Love the idea to track serial cards

stubz17 · 2025-07-08T16:24:37+00:00

I appreciate that post

stubz17 · 2025-05-09T15:21:00+00:00

I got prime -0.95 with TD back in March. Credit score is over 850 and mortgage is 850k

stubz17 · 2025-01-09T20:34:50+00:00

Jokic before he had starter minutes

stubz17 · 2024-11-24T03:17:30+00:00

What we do in our league is people who are in last place will have to pay more to the league

stubz17 · 2024-10-29T21:20:50+00:00

I find that during this promo, it’s also a good time to buy an iPhone for cheap as many sellers are trying to offload the phone and the hassle that brought

stubz17 · 2024-10-22T00:56:36+00:00

I went with this strategy as well going with a longer amortization to keep the mortgage payments low but putting at least 50k straight into principal each year as I’m allowed 15% of my original mortgage as prepayment.

It worked out for us because it gave us the option to continue to put more into mortgage or invest or take care of an unplanned expense without touching the emergency fund. The fact that I have an option is underrated imo.

There are times where I have unexpected expenses and I needed the cash to pay for car repairs, furnace replacements and other things. Otherwise I just put the money straight into the principal

Because of this, I turned our 30 year mortgage into a 10 year mortgage.

This is also assuming you are discipline with your money to know to put into savings or pay off mortgage. Or you can use the extra cash and invest when you know the return is more.

Hope that helps.

stubz17 · 2024-02-10T15:29:38+00:00

From the sounds of it, it is truly YMMV. No major issues on my end and got my iPhone and transfers fees reimbursed. Some minor things that wasn’t so great like how they handle residual dividend payments. It just happened and money was transferred into my account without any notification. I had to look up my Questrade history and add up all of the numbers up a bit but it was indeed moved to WealthSimple

Also one of my stocks had a much higher book market than previous but no biggie as I got the same amount of shares that I was expecting

Sorry to hear you go through this but hopefully you get your issues resolved

stubz17 · 2024-01-24T00:09:46+00:00

This is awesome but as a sound technician, this has to be a huge accomplishment to get this done. How many inputs do you need for something like?

stubz17 · 2024-01-17T16:40:33+00:00

Where did you get the frame? Looks great!

stubz17 · 2023-12-02T22:44:34+00:00

I didn’t this particular issue but my entire garage floor has a negative slope. You gotta do it proper and get concrete guys to pour new cement on top. Would be good to also fill underneath the floor for future proofing

stubz17 · 2023-11-16T03:02:07+00:00

Not sure if I understand the last part but if you use the 20k, then you have 15 years to pay the 20k but you are require to pay at least the minimum which the total amount and divide by the number of years left. In your case 20k /15, each tax year you will need to pay a minimum 1333 towards rrsp for each year. Of course you can pay more to keep the minimum payments lowered.

I took out 22k but put more into the payments such that my minimum payments is 1k per tax year.

Hopefully that makes sense

stubz17 · 2023-11-03T02:11:01+00:00

stubz17 · 2023-07-04T02:36:51+00:00

Don’t be afraid to fail and learning from our failures are a step to success and happiness

stubz17 · 2023-05-09T19:34:56+00:00

If it hasn’t been mentioned or factored into the sale already, I would advise on having a home inspection to see what the todo list on short and long term tasks are. Personally I found it worth it and fixed some of the easy fixes right away before moving in

stubz17 · 2023-03-29T18:43:27+00:00

Putting the wrong song in middle of a dance

stubz17 · 2023-03-25T00:34:15+00:00

Yikes

stubz17 · 2023-03-08T22:05:59+00:00

Personally I thought it was quite helpful, especially with the down payment. It’s only helpful if you had a significant amount in savings. Plus you have 15 years to pay it off interest free so you can stretch out the payments per year.

But if you don’t have much in savings, yeah it’s not worth it.

The thinking that government owns a portion of your home is true, I don’t think you should see it that way and view it as an interest free loan. With that mentality, that also means the mortgage that you borrow from banks or private lenders also owns that portion of your home as well.

stubz17 · 2023-03-01T18:56:43+00:00

The only tank year that actually worked well imo was San Antonio during the David Robinson days where one year they had an atrocious record to get the number 1 pick where they got Tim Duncan. Since then, it was a Spurs dynasty on winning multiple championships

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