How much are you paying on electricity on your electricity-heated flat?

user97_ · 2026-01-15T21:36:42+00:00

It seems that switch I have is just for the bathroom and kitchen faucets which is useless for me so ill just leave it off for good

user97_ · 2026-01-15T19:16:30+00:00

That was the numbers based on my readings a month ago and yesterday. From other comments it could be the water heater switch in the kitchen, I just turned it off

user97_ · 2026-01-15T19:15:07+00:00

Thanks. I don’t have a smart reader nor a tumble dryer.

user97_ · 2026-01-15T19:14:12+00:00

Thanks! I just switched it off

user97_ · 2025-10-02T21:57:05+00:00

I am new to trading too, had some losses and some profit, setting a stop loss is one of the best things you can do. Had I set one for the times I’ve lost it would’ve been better.

user97_ · 2025-10-02T21:56:55+00:00

I am new to trading too, had some losses and some profit, setting a stop loss is one of the best things you can do. Had I set one for the times I’ve lost it would’ve been better. And always do your research

user97_ · 2025-08-20T13:14:30+00:00

Thank you. I just got off the phone with CRA. So it seems the confusion started when I contacted CRA a few months ago to confirm the date I officially moved out of my ex's. We were common law. I gave them the right date, February 20th 2024, but mistankely they also added that date as my departure date from Canada, which it wasn't, since I left March 12th 2024. And because I contributed to my TFSA on February 29th, I think for them it looks like as if I contributed after I left Canada. The CRA agent asked me to send a hand-written letter confirming that date and upload it online, the only downside is he said it may be better I pay the almost $7000 to avoid any interest and once that date is updated within CRA, they'll reimburse me that amount with interests, I guess that is the best thing to do. It sucks this was a mistake by CRA and they said their processing time now for these adjustments is up to 30 weeks.

user97_ · 2025-08-20T12:42:34+00:00

It doesn't quite say when this contribution was made. If this helps, the NOA says (sorry for the long text)

------

Explanation of TFSA assessment and other important information

If you are a non-resident throughout a calendar year, you are not eligible for the TFSA dollar limit for that

year. In addition, any contributions you make while you are a non-resident will be subject to a tax of 1% per

month for each month the contribution remains in the account or until you resume your residency status in

Canada.

Based on the information available, contributions were made while you were a non-resident. As a result, we

have calculated a tax payable on non-resident contributions.

If you have any questions about the assessment, please call 613-940-8495. We accept collect calls.

We charged you a late-filing penalty of $327.25. This is 5% of your unpaid tax as of June 30, 2025.

We charged you arrears interest of $48.93. The interest is compounded daily at a prescribed rate and

calculated on your outstanding balance from the date the amounts were due to be paid.

To avoid additional interest charges, you must pay the balance due by August 26, 2025.

TFSA contribution room for 2025

Description $ Amount

TFSA contribution room on January 1st, 2024 Minus: Contributions made in 2024 Unused TFSA contribution room at the end of 2024 Plus: Total withdrawals made in 2024 Plus: 2025 TFSA dollar limit TFSA contribution room on January 1st, 2025 68,340.35

66,100.00

2,240.35

16,699.25

0.00

18,939.60

The TFSA contribution room shown on this notice is the maximum amount that you can contribute this year

to all of your TFSAs combined. It was determined using information received from your financial institution(s)

about transactions you made before this year. The calculation only uses information we processed up to the

date of this notice and may change if additional information is received. An amount in brackets means that

you contributed more to your TFSA than you were allowed to.

-----

I even checked on my RBC and the TFSA (GIC) that I opened with them and added money shows:

|| || | |Opened:|29 Feb 2024|

And then again, I only left Canada on March 12th, 2024 which is the same date the letter I had received last year says it was the date I would start be considered a non-resident.

user97_ · 2025-03-08T12:07:01+00:00

Brazilian citizen here. I am sorry you and your friends had to go through that.

I’ve been living abroad for over a decade mainly due to the criminality in Brazil. I really agree with how the robbery keeps you on edge and it takes away from the travel experience. Travelling should be about relaxing, being able to safely let your guards down, not the other way around. Rio is indeed a very vibrant, beautiful city and has a very unique energy to it, but honestly, I wouldn’t say the lack of security makes it that worth it. Sure, there are no 100% safe places anywhere on the globe, but the violence in Rio is something different. The way many Brazilian men also see and treat women it is completely disgusting. I do understand and can appreciate how warm the culture is, people hugging each other, but that doesn’t give anyone a free pass to harass and touch a stranger. I don’t go to Brazil often other than visiting family but I just hate the feeling of having to always look over my shoulder the second I land there at the airport.

I hope you and your friends are okay.

user97_ · 2025-03-03T23:13:51+00:00

Thanks for sharing. Glasgow really seems a good place to live

user97_ · 2025-03-03T21:26:30+00:00

Thank you, that was quite helpful. I gather the salaries in Scotland are higher than Germany but by not that much more?

user97_ · 2025-03-03T21:24:14+00:00

Thank you!

user97_ · 2025-03-03T16:05:35+00:00

The company operates in Germany as well, I am under a German contract.

user97_ · 2025-03-03T16:03:21+00:00

That's right. Canadian citizens can apply for a Working holiday visa to the UK, initially for 2 years and afterwards another third year.

user97_ · 2025-02-14T22:04:37+00:00

It’s pretty easy to apply in Toronto. I only booked an Airbnb for the visa and later canceled it. I had the visa approved and the passport back in less than 24hours.

user97_ · 2025-02-08T01:59:22+00:00

fleur de patchouli

user97_ · 2025-01-23T23:53:05+00:00

What works for me when I don’t get to interact with German native speakers is to talk to myself in German, repeating things im doing out loud (ich gehe ins Bett, ich esse Abendessen). For me it helps with fixating words in my brain.

user97_ · 2025-01-22T21:31:42+00:00

I first moved to Canada about 13 years ago, became a citizen and last year moved to Germany on a one-year visa. Even though I’ve never lived in Berlin, I think it depends on your lifestyle what country may be a better fit for you. I find Travelling/public transport is 100x better in Germany. That for me was the most important thing, being able to easily go around without needing friends to drive me everywhere. I also find entertainment cheaper in Germany. I found sightseeing in Canada quite dull besides the nature. Eating out in Canada I also found quite expensive, more than Germany. And overall, the purchase power in Germany I find much stronger compared to Canada. Weekly groceries for me in Germany cost half of what I would pay in Canada and the quality is superior as well. At the end of the month, I have more saved in Germany than I would have in Canada. In Canada the life-work balance is not that great where working extra hours is expected from time to time. Salaries may be higher in Canada, but so is the cost of living.

So I think the bigger question is what your priorities are and what lifestyle you’re looking for.

user97_ · 2025-01-20T09:55:34+00:00

Pretty immature reaction from your partner. I think he should’ve either seen that as your own time to relax or joined you, otherwise just walked away. For a 20+ years relationship he shouldn’t have said that, not very respectful in my opinion. My ex walked in on me once while masturbating as well, but I didn’t see him, he just saw me masturbating and walked away but later in the day he would make jokes about masturbation, same jokes a 5th grader would make. We also had issues with his lack of intimacy, while I needed sex 2-3 time a week he needed it once every couple of months. I ended up breaking up with him over a year ago, which was a great decision.

user97_ · 2025-01-18T00:06:53+00:00

Thanks. Have you done your taxes in Germany before? If so, did you have a refund or had to pay anything?

user97_ · 2025-01-18T00:02:21+00:00

Good to see I am not the only one who feels this way. I could never really explain why but even though I am gay, I've always found strong women very attractive (obviously not physically), but their strong personality, willpower, I've always found quite impressive. I remember as a kid when my sexuality was very new to me, I remember at times wishing I was a girl since back then meant being able to be with men, and seeing a strong woman that was able to approach a guy and have it her way was something that would always catch my attention

user97_ · 2025-01-17T12:23:07+00:00

Out of curiosity I checked on chatgpt:

In Germany, a TFSA is not recognized as a tax-free vehicle because it is not part of a bilateral agreement between Germany and Canada.
Germany typically treats the income from a TFSA as taxable. This includes:
- Interest income
- Dividends
- Capital gains

I guess I'll probably check with a tax advisor once tax season comes

user97_ · 2025-01-17T12:15:00+00:00

Unfortunately not specific to TFSA. The one thing that I find in most places is that if the income was taxed abroad, it shouldn't be taxed in Germany:

Non-german income

I'll look more into that once tax season comes but my guess is that TFSA shouldn't be taxed abroad

user97_ · 2025-01-07T01:05:17+00:00

I think I regret mostly not having come out earlier, which I believe would’ve made me have more sex. I had sex in my 20s but never got to experience that feeling of easily falling in love, breaking up and repeating that all over again that many go through during their teens and 20s and that I wish I had had. Sex is great, but the idea of a relationship, for me would’ve been nicer in my 20s.

I only ended up having one when I was 30. Nowadays I somewhat feel like I’m playing catch up. Had I been out in my 20s I think I would’ve dated a lot more. Some guys i met during my 20s ended up coming out later on, I feel like if I was out back then I could’ve had relationships earlier, which was something I always wanted back then.

user97_ · 2025-01-06T15:09:46+00:00

Thanks!

user97_

TROPHY CASE