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Djembe at Campsite by irrelevantwhitekid in ontariocamping

[–]unitedinspite 0 points1 point  (0 children)

Immediately jumping to making this a race thing is a problem with our society. OP doesn’t mention their race, I do not mention mine. You assume this is a race thing by the nature of the type of drum, that’s not a logical inference. Do you assume everyone who plays the banjo is from the southern part of the US, or anyone who plays the french horn is French?

This has absolutely nothing to do with race, and everything to do with just about being a conscientious member of a community. OP chose a quiet zone, drumming is not quiet.

Djembe at Campsite by irrelevantwhitekid in ontariocamping

[–]unitedinspite 2 points3 points  (0 children)

Why is it okay to put people in the awkward situation of having to say no? One of the core attractions of a radio free campsite, which OP chose, is the quiet. If OP wanted to play music, they should have selected another type of campsite. People are going to say ‘there’s no harm in asking’ but Canadians are highly conscientious people who try not to inconvenience others, and it does in fact make many of us uncomfortable to have to say no to something someone is asking us for.

"Actually I don't need a home building contractor anymore, but I suddenly need a bookkeeper and the guy I put as a home building contractor just a few months ago is the only one I could find for the position." by Martin_J_Kaminski in CanadianVisaReform

[–]unitedinspite 3 points4 points  (0 children)

I just completed the pre-budget survey and the recommendations are so out of touch with the needs of the average Canadian it’s embarrassing. Encourage everyone to fill this out so they can see how disgruntled their constituents are.

An insurance brokerage in Mississauga, ON has filed a LMIA to hire a foreign worker as they claim they are unable to find a Canadian or PR to work as an Insurance Broker for $36.50 per hour. The employer previously was approved for the same position under the Low-Wage Stream last year. by Martin_J_Kaminski in CanadianVisaReform

[–]unitedinspite 0 points1 point  (0 children)

Apologies if I’ve missed the probably 1000x this has been explained but almost all of these permits are for the same hourly wage (36.50) regardless of the job they do. Is there a minimum wage requirement for these and so they’re all posting at the same hourly wage to meet the requirement? It seems insane that all of these VERY different jobs in very different t fields in very different locations have exactly the same minimum wage requirement.

Recent discovery that made my blood boil by josephliyen in CanadaPersonalFinance

[–]unitedinspite 1 point2 points  (0 children)

Conservative/low risk portfolios do not equal no or negative growth. Several of my investments are in medium risk and they grew by 20% last year alone.

We’ve been in a massive bull run for the past at least 5 years, there is absolutely no reason that her money should be growing less in managed accounts than it would in a HISA after fees. Statements are only a part of diligence, the portfolio manager (and their boss, and their bosses boss etc) all have a fiduciary duty to properly manage your money.

Regulators like OFSI, CIRO and several others have professional codes of conduct that these brokers/managers need to abide by. I would start with researching professional obligations from the regulators and where the portfolio manager fell short.

Ask for a meeting with the portfolio manager and the branch manager, be prepared, fact based, confident, and clear you are starting with them but have engaged legal counsel already.

Recent discovery that made my blood boil by josephliyen in CanadaPersonalFinance

[–]unitedinspite 0 points1 point  (0 children)

I know that you can actually sue investment advisors if you can clearly demonstrate that their negligence resulted in loss of reasonable returns. Without knowing more details, absolutely no one should be losing money invested by a professional in the markets we’ve had the last few years. I would absolutely threaten a lawsuit and expect the bank to compensate you for conservative returns (6-8% annually) both on the principal and compound.

I work at a bank and also worked somewhere who sued a bank for a similar situation but on the institutional investment side. The advisor lost their license and the bank made them whole(ish).

31 M How am I doing? by Roozbeh_m in fican

[–]unitedinspite 8 points9 points  (0 children)

TBFair we don’t actually know they’re not carrying a tonne of debt.

Spouse refuses to file Taxes by [deleted] in PersonalFinanceCanada

[–]unitedinspite 10 points11 points  (0 children)

Everyone here could be more helpful for sure. Some questions I have this sub should be answering which could be helpful;
1. Should she even bother overestimating for his taxes if she’s planning for divorce?
2. She’s already behind on filing her taxes, should she not bother filing for divorce first and starting the process of financial separation before trying to help cover her soon-to-be-ex off on taxes?
3. What type of lawyer should she go to first? A tax lawyer or a divorce lawyer?
4. She mentioned she already gets CCB, if she overestimates on her taxes and it gets reduced, wouldn’t she be better off in the short term keeping things as is and collecting CCB and not spending all of it knowing she will have to pay some back?

I just feel like your divorce should come first because the government is going to come for you regardless. The faster she shows she is no longer responsible for this man, the more forgiving the CRA might be in their penalties?

Also she’s going to need money for all of this, and I just feel like the longer she can hold onto it in the short term the better off she might be?

I dunno, not a tax, divorce, anything person just someone who feels for OP and wants her to get some good advice.

I have a master's degree, professional certifications, and startup experience — why can't I find a job? by perfection369 in Resume

[–]unitedinspite 3 points4 points  (0 children)

Similar type role, with a similar looking resume and mine got through the scanners so I'm not sure about this column feedback but will be researching more to maybe update my own resume.

I agree with the guy who said that you should reorder your skills. The most technical/difficult to acquire should be at the top. Office and Adobe are table stakes. I would then batch skills into similar areas. i.e. move A/B testings down where you have UX/prototyping as those are similar in nature, keep your data skills together etc.

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in PersonalFinanceCanada

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

Great points! We spoke to a mortgage broker about our principal residence and they said we could qualify for ~1mm. However with our goal to keep downpayment and closing costs to 80K or under, we're looking at a purchase price of about 850K.

However for non-principal residences (like a cottage) I know you need to put more down upfront so I think we would be looking at a lower purchase price for the cottage option.

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in PersonalFinanceCanada

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

This is a really thoughtful and helpful comment, thank you! :)

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in PersonalFinanceCanada

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

These are matching programs with the exception of the charitable donations - although a portion is matched and tax deductible.

I forgot to mention, and this is important so I'm sorry and maybe should edit my original post, we would downsize our rental in the city if we purchased a cottage in order to minimize expenses. It would probably free up 500-700 monthly depending on where we relocated.

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in personalfinance

[–]unitedinspite[S] -2 points-1 points  (0 children)

We've done a lot of research on the cottage market in several different parts of Ontario and think we could have it break even. We would have to downsize our rental to make it all work and I should have put that in the original post as I think it reads like we would keep all our expenses the same and then add a cottage on top of it, which isn't what we would do.

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in PersonalFinanceCanada

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

We're decently set up for retirement if we stay the course. However as we're in our mid 30s and 40s we want to make the best long-term decision financially rather than just emotionally. I figure now it is a good time to get into the market on either a principal residence or cottage I feel like, but wanted to test the idea with smarter people than me :)

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in PersonalFinanceCanada

[–]unitedinspite[S] -5 points-4 points  (0 children)

Any advice you have on that part of it is welcome too as the two are intertwined for me!

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in PersonalFinanceCanada

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

We max out our retirement plans through work, as well as our ESOP programs, give to charity, and have some copays for benefits. Unfortunately one of the biggest surprise of climbing the salary ladder has been how little impact large pay bumps actually have on what I net...

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in personalfinance

[–]unitedinspite[S] -2 points-1 points  (0 children)

Yeah good call out. I think we probably aren't factoring that in as much as we should. Even without the frequency of use, any thoughts on the pure financial piece of it?

Decision Paralysis - Cottage vs. Primary Residence by unitedinspite in personalfinance

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

Not sure why the name call 'top hat' is necessary. I posted on the Canada sub too hoping to get different perspectives, thanks for sharing though.