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Type: Posts; User: dezmarez

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    Went this route this year. $25 IKEA tree.....and...

    Went this route this year. $25 IKEA tree.....and you get a $25 IKEA Gift Card when you buy it...so win/win. Get a real tree, for pretty much nothing.
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    https://www.bnnbloomberg.ca/vax-1.1524352 ...

    https://www.bnnbloomberg.ca/vax-1.1524352

    Earlier than expected?

    "Christine Elliott said the country is set to get four million doses of the Pfizer vaccine between January and March as well as...
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    Only accumulated income and grant money is taxed....

    Only accumulated income and grant money is taxed. Your after tax contributions arenít taxed when they are withdrawn.

    Think of the accumulated income as a form of income splitting with your child,...
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    ^^^this is the correct strategy, if you have the...

    ^^^this is the correct strategy, if you have the means to do it of course.
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    Haha right? The thing is there is no actual list...

    Haha right? The thing is there is no actual list saying funds need to go towards tuition. If you can make the argument the expense was done for education purposes it should be fine. Food, board,...
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    Absolutely you can. All that is required is proof...

    Absolutely you can. All that is required is proof of enrolment to facilitate an RESP withdrawal. Those could go for anything really as long as it is considered “reasonable” education expenses....
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    https://www.univcan.ca/universities/facts-and-stat...

    https://www.univcan.ca/universities/facts-and-stats/tuition-fees-by-university/

    Good source here. Keep in mind if the kids go to University somewhere else, multiple flights per year, likely...
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    Your entire team just has to clear the red line,...

    Your entire team just has to clear the red line, other team can fish it out of their net right away though, so can't celebrate a goal really.
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    hahaha it's essentially glorified shinny.

    hahaha it's essentially glorified shinny.
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    Couple games into the Winsport League and I must...

    Couple games into the Winsport League and I must say, it is an intense workout. (especially being off the ice for the last 6 months)
    Only two lines (max roster of 11).....no whistles/faceoffs....so...
  11. Poll: I'm curious if the city/AHS is going to come out...

    I'm curious if the city/AHS is going to come out with any guidelines/recommendations. It looks like CDC is recommending to scrap it all together. Community spread in the US has obviously been more...
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    Couple updated shots. Still waiting on furniture...

    Couple updated shots. Still waiting on furniture and blinds

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    This.

    This.
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    What division are you in?

    What division are you in?
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    Marginal Tax Rate + 20% Penalty...unless you have...

    Marginal Tax Rate + 20% Penalty...unless you have room to roll it into your RRSP.
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    Same same. We start next Thursday. I wonder...

    Same same.
    We start next Thursday.

    I wonder how many divisions there are going to be.

    - - - Updated - - -



    Yup, hearing a lot of that going around.. riander5 cam_wmh
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    Do not do this unless it is absolutely necessary....

    Do not do this unless it is absolutely necessary.

    You must repay any grant money received on those contributions you are taking out and you lose that grant money forever.
    Amount withdrawn also...
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    That didn't take long.

    That didn't take long.
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    Well from my understanding, they set an internal...

    Well from my understanding, they set an internal benchmark in terms of their strategic asset allocation, and use index funds to stick to that internal benchmark.
    There is still some decision...
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    Right? Huge fan of them. Also, the thing with...

    Right? Huge fan of them.

    Also, the thing with those Vanguard funds, there is still going to be some decisions being made on asset allocation within them. It's not like you are just buying 80%...
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    Haha I know the asset allocation plays a...

    Haha I know the asset allocation plays a significant role and that over the long term, in theory, VGRO should perform. Which is why I mentioned short term. The key point I was trying to make is the...
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    Kind of off topic to the original purpose of the...

    Kind of off topic to the original purpose of the thread but ties into what is being discussed above.

    ETF's are great for their low cost, but it is interesting that VGRO is touted as the "higher...
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    bahaha I totally forgot about that guy. Also,...

    bahaha I totally forgot about that guy.

    Also, Winsport is doing a Fall Mini-League. Believe 11 person teams, 4 team league.
    Jumping on my dad's team to at least get back on the ice. His was the...
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    Love it. Simple advice a large portion of the...

    Love it. Simple advice a large portion of the population could go off of.
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    Itís been a crazy busy week so havenít had a...

    Itís been a crazy busy week so havenít had a chance to take pictures and all that.

    However, have a little comparison between before and after of in front.

    We have some furniture in so I wonít...
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    Actually, you are right, that's a better idea....

    Actually, you are right, that's a better idea. I'll do one before we start moving items into the house to get the raw difference between before and after.



    We opted for a counter-depth...
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    Yes, Rectangle included it as part of the overall...

    Yes, Rectangle included it as part of the overall contract.
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    Final update before we move in! Received...

    Final update before we move in!

    Received notice we are going to be getting keys on Friday. So we will he taking the weekend to move in and are looking forward to unpacking and getting settled in....
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    Getting close. Cabinets are in. Floors are in....

    Getting close. Cabinets are in. Floors are in. Paint is next.

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    Things are progressing....into the final stretch....

    Things are progressing....into the final stretch. Should be completed in the next few weeks.
    Electrical meter has been moved, exterior coming along.

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    Hahaha it will be filled soon enough. Just...

    Hahaha it will be filled soon enough.

    Just using the garage right now....haven’t moved in yet

    ...
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    Picked up an oak table from kijji with a stain....

    Picked up an oak table from kijji with a stain.
    Decided to strip and restain. First time trying something like this.

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  33. Wonder if it is the same guy? ...

    Wonder if it is the same guy?

    https://newsroom.calgary.ca/man-charged-in-homicide-case--shane-eric-james-smith/
  34. Ok so good. Also! That bridge into evanston,...

    Ok so good.

    Also! That bridge into evanston, before it was twinned is where I messed up my 03 IS300.
    Similar situation, massive downpour, except this was at midnight, and didnít realize the...
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    I believe you can do this within Honest Door.

    I believe you can do this within Honest Door.
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    Received a recent quote for residential...

    Received a recent quote for residential path/stairs and it came out to $11/sq foot which seems right on par with what everyone else has mentioned in this thread
  37. I by no means work for a small business, however...

    I by no means work for a small business, however we recently switched to Salesforce and it is solid and the best CRM software I’ve worked with.

    From a quick search, they have specific plans for...
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    Depending on pension legislation, he just has to...

    Depending on pension legislation, he just has to wait until 50 or 55, and the expectations don't apply. Once you hit the appropriate age, you can complete the 50% unlocking.
    Down side, the remaining...
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    First....the 4% rule is a joke in my opinion. Why...

    First....the 4% rule is a joke in my opinion. Why would you save your entire life, to only draw down on the income earned from your investment and not touch your principal, unless you had significant...
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    Refinish Wood Furniture Experience

    Does anyone have experience refinishing wood furniture?

    Picked up a solid oak table, but has a really dark stain. I want to apply a lighter/warmer stain.
    I've been looking on YouTube and it seems...
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