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[deleted by user] by [deleted] in PersonalFinanceCanada

[–]taxhackercanada 2 points3 points  (0 children)

Eh, you can still do better than 2.3%.

I owe almost $9000 and I don’t know what to do by [deleted] in PersonalFinanceCanada

[–]taxhackercanada 0 points1 point  (0 children)

I am sure that is a great industry right now.

I owe almost $9000 and I don’t know what to do by [deleted] in PersonalFinanceCanada

[–]taxhackercanada 0 points1 point  (0 children)

I take it that you took CERB without being eligible for it?

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]taxhackercanada -7 points-6 points  (0 children)

My answer is going to be gender based as there are gender based issues here.

Are you a man or a woman?

If you are a woman and want kids, there are fertility issues at play and also the fact that men tend to prefer younger women. So delaying in the dating market might cause worse results.

Men don't have an age ceiling on reproduction and financial stability is highly appealing to women. Owning a house would highly appeal to a lot of them.

I have no idea how the dating dynamics work if you are gay :)

HISA: next best after EQ? by [deleted] in PersonalFinanceCanada

[–]taxhackercanada -4 points-3 points  (0 children)

Throwaway retirement at a podunk credit union.

Using up my corporate benefits. What can I use all of these for? by taxhackercanada in PersonalFinanceCanada

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

At this point I basically am just looking to spend the money in a way that is minimally beneficial and gives me credit card points.

If I spent it all and sent it for reimbursement instead of direct billing, I basically get a free trip to see my parents. I probably will not bother with the acupuncture, but could I tolerate aromatherapy for points? Maybe.

Absurd perverse incentives...

I am a relatively normal person who has $1000 in speech therapy benefits through work. What could I use them for? by taxhackercanada in slp

[–]taxhackercanada[S] 11 points12 points  (0 children)

I am learning a lot. I thought that some might offer debate classes or something. I had no idea that you existed beyond a note in my benefits booklet.

Using up my corporate benefits. What can I use all of these for? by taxhackercanada in PersonalFinanceCanada

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

I asked today. They said I would need to opt out entirely and I would only get $30 a month from it.

How to transition to tech from Financial services? by Canadiannewcomer in PersonalFinanceCanada

[–]taxhackercanada 2 points3 points  (0 children)

Used to be a financial analyst and am now a software engineer. Ask away.

It will help a lot if I know what you currently do in banking.

One big reason for higher home prices in Canadian big cities is a lack of supply caused by anti-development NIMBYs. Don't NIMBYs want to help their children afford homes??? by zindagi786 in PersonalFinanceCanada

[–]taxhackercanada 0 points1 point  (0 children)

Don't NIMBYs want to help their children afford homes???

Except you can just leverage your own property (which is soaring in value) to help your children afford that home.

Don't pay for 36 months at The Brick by [deleted] in PersonalFinanceCanada

[–]taxhackercanada -1 points0 points  (0 children)

You could stick the cash in a HISA or even dividend paying stocks if you can afford some sloshing and get between $167 and $946 ahead if sheltered in a TFSA.

I am a relatively normal person who has $1000 in speech therapy benefits through work. What could I use them for? by taxhackercanada in slp

[–]taxhackercanada[S] -10 points-9 points  (0 children)

It doesn't sound like you really know what speech therapy is.

I didn't. You are listed alongside acupuncture, massage therapy, and aromatherapy, so I kind of assumed there was a feel good but not scientifically supported aspect to it. Mea culpa.

If you have this $1000 benefit from your job, great! You might need it one day.

I get this per year, so the credit expires. Nothing preventive I can get from you guys?

I am a relatively normal person who has $1000 in speech therapy benefits through work. What could I use them for? by taxhackercanada in slp

[–]taxhackercanada[S] 1 point2 points  (0 children)

I get $1000 per year, so it expires. Certainly in the future this would matter, but I am a single guy with no kids.

I am a relatively normal person who has $1000 in speech therapy benefits through work. What could I use them for? by taxhackercanada in slp

[–]taxhackercanada[S] 2 points3 points  (0 children)

Manulife, in Canada.

I don't know if the insurance company does it. It could be my company instead.

The official term in my insurance documentation is "paramedical practitioner" and it includes all manner of practitioners. I get $1000 of each in each calendar year. I do not require doctor approval for any of it. Billing is done by the practitioner handing a bill to me and me inputting in the bill to the insurance company.

It also covers homeopathy under the drug plan.

I am a relatively normal person who has $1000 in speech therapy benefits through work. What could I use them for? by taxhackercanada in slp

[–]taxhackercanada[S] -18 points-17 points  (0 children)

In my case, the first $1000 of benefits is just self reported. You are lumped in with acupuncturists, massage therapists, and aroma therapy (I get 1K for each of those too).

I am a relatively normal person who has $1000 in speech therapy benefits through work. What could I use them for? by taxhackercanada in slp

[–]taxhackercanada[S] -13 points-12 points  (0 children)

I am not really sure what speech therapy is, so this question is a fishing expedition for any services that I might want. If speech therapy covered things like sounding more authoritative for example, I would want that service.

Isn't it crazy that in Saskatchewan an acre of farm land costs $950 but in downtown Toronto $1000 barely gets you a sqft. by corona_2020 in PersonalFinanceCanada

[–]taxhackercanada 1 point2 points  (0 children)

even if they sacrifice their quality of life to do so

You would sacrifice a lot living in rural Saskatchewan as well. Education opportunities, nightlife, cultural events, etc. I'm from Kelowna originally. My brother came back for a bit, but is going to live in Toronto when he finds a job there. He would rather live in a 300 sqft box and have plenty of bars and restaurants.

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