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There are many reasons to set up a trust, and they don’t need to be set up just when someone dies.
-control the asset, control distributions, avoiding probate, tax savings, managing the asset
...

Love it. Thanks for sharing.
Having just gone through this process, and living in the final product, I am super thrilled for you and your family.

Haha good time for riander to promote his hockey equipment review website....

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.

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...

Only accumulated income and grant money is taxed. Your after tax contributions aren’t taxed when they are withdrawn.

Think of the accumulated income as a form of income splitting with your child,...

^^^this is the correct strategy, if you have the means to do it of course.

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,...

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....

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...

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.

hahaha it's essentially glorified shinny.

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...

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...

Couple updated shots. Still waiting on furniture and blinds

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This.

What division are you in?

Marginal Tax Rate + 20% Penalty...unless you have room to roll it into your RRSP.

Same same.
We start next Thursday.

I wonder how many divisions there are going to be.

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Yup, hearing a lot of that going around.. riander5 cam_wmh

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...

That didn't take long.

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...

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%...

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...

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...

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...

Love it. Simple advice a large portion of the population could go off of.

It’s been a crazy busy week so haven’t 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 won’t...

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...

Yes, Rectangle included it as part of the overall contract.

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....

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

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

...

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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Wonder if it is the same guy?

https://newsroom.calgary.ca/man-charged-in-homicide-case--shane-eric-james-smith/

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 didn’t realize the...

I believe you can do this within Honest Door.

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

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...