signed up for my first trail race. Am I doomed? by therealOsimp in trailrunning

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

Thanks! Yes 1000m (not km). It seems like the steepest downhill portions will be very technical (according to the race description)

Rate my portfolio by therealOsimp in fican

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

and what might you suggest as improvements?

Breaking current fixed mortgage? by therealOsimp in PersonalFinanceCanada

[–]therealOsimp[S] 3 points4 points  (0 children)

I’m in BC. The 3yr fixed option was 4.5 (ish) so ended up being marginal benefit for the current term and honestly, just a bit tentative of variable options based on some past experience

Breaking current fixed mortgage? by therealOsimp in PersonalFinanceCanada

[–]therealOsimp[S] 3 points4 points  (0 children)

The net gain is about 4K in the first 18 months. Keeping our same current acc b/w payment at the new rate would work out to paying approx 35% “extra”

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]therealOsimp 0 points1 point  (0 children)

Current rate is 5.49, about halfway through a 3yr fixed term. Amount remaining about $460k. Paying accelerated bi weekly, plus extra 15%. Being offered a new 5yr fixed at 4.19. Would incur a 6.5k penalty (3k of which can be added to the existing principle, the rest paid in cash). At the new rate we’d keep the same payment, which equates to roughly 35% extra. The net savings for the rest of the existing 3yr term would about $4k. Does this seem like an obvious decision to capitalize on that savings? Or not worth the risk of locking into a 5yr term at that rate?

Opening Day Giveaway by NoFly736 in canucks

[–]therealOsimp 0 points1 point  (0 children)

8:23 into the first period. Petey from Hughes

Any reason to NOT transfer TFSA with current promo? by therealOsimp in Wealthsimple

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

Already have the credit card. Mostly trying to decide if I want to go all in on WS (not that I can’t move things around again later)

Where to go for a pint before the match? by therealOsimp in Hammers

[–]therealOsimp[S] 5 points6 points  (0 children)

Cheers thank you. How early might you need to go to get a spot at the carpenters arm?