Update: Tim Hortons App - Settlement of the National Class Action Approved
Previous post or scroll to the end for tl;dr "Dear Tim Hortons guest, You are receiving this email in connection with a court approved settlement of a national class action lawsuit involving the Tim...
View ArticleCrush My Budget
Alright, r/pfc crush my budget. I'm a serial spender but some improvement has been made. I've picked apart Mint to try and get a fairly accurate view of what is happening. We are a family of 6 but...
View ArticleDividends Are Irrelevant (Sort Of...)
This is a very interesting video from The Plain Bagel addressing a recent video Ben Felix released. There's a lot of issues addressed in this video that you don't normally see in other videos.
View Article5-year 2.89% fixed rate or 2.60% (prime - 1.1%) variable?
Please help. I'm really confused on what to do. My mortgage needs to be renewed this week and I am being offered a 2.89 fixed or 2.60 variable. I had thought variable would be the way to go, until the...
View ArticleIs it really so bad to get a condo instead of a townhouse if you have a set...
Hi Everyone, Me and my wife are looking to purchase our first house in the Metro Vancouver area. Initially, we looked at certain townhouses in the far suburbs i.e. Abbotsford, Chilliwack because that...
View ArticleChanging careers and moving cities to afford a home - is my budget feasible?
I'm currently living in the GTA, and I work in private industry. I am expecting a job offer with the federal government in Edmonton. I am inclined to take this job because it will allow me to move to...
View ArticleAm I wrong to believe that my partner buying a house with his mom, plus...
Context: we’re both 28 in Toronto, been dating over a year. He makes 80k/year and is currently paying ~1.3k/mo in rent. He’s talked for a bit about buying a van to live in, then committed to doing it...
View Article23 y/o F in Vancouver, I feel hopeless and lost
Grew up under immigrant parents who knew nothing about money or finances. The one parent who I do live with is around 200k in debt but I am not close enough to them or willing to help out. I graduated...
View ArticleThe "PFC Bubble" = Some facts on the demographics of Reddit Users in Canada
Inspired by a post from @faithwillnotfail (link to original post), I thought it would be helpful, given that I'm a marketer who licenses research (updated quarterly) on Canadians and their media usage,...
View ArticleAnother t1135 question. Please help
Please help! I believe I've read almost all t1135 posts, and they're quite case-specific. My questions are basic (please don't refer me to the CRA website and/or definitions as I've read and reread...
View Article"The rise of ETFs is making life miserable for Canada’s mutual fund industry"...
Shift in the market: Canadian mutual-fund sales will never again outsell Canadian exchange-traded funds in a single year, according to Matt Hougan, chairman of Inside ETFs. Click to expand... [...]...
View ArticleIs gross income 100,000CAD yr good enough to raise a family in B.C.?
I just received an offer from a Canadian company and I was wondering if it's a good one. (100,000CAD yr gross) We are a family of 5 (my wife, 7yo, 4yo, 1yo kids and myself) The company is located in...
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Canadians might not be getting enough fruits and vegetables / Les Canadiens...
March is Nutrition Month, reminding us of the importance of making informed and healthy food choices. However, the proportion of Canadians aged 12 and older who consumed fruits and vegetables five or...
View Article6% 1yr fixed GIC at TD
What’s everyone doing with their GICs? I locked in at RBC for 1 yr fixed at 5.3% last month, which I kind of regret now. I just got approved yesterday for 6% 1yr fixed at TD. Should I put in the rest...
View ArticlePro Tip: Never invest with Robo stocks in a non-registered account
Apparently every single time they do a trade, it counts as a taxable event. If there's 50 trades in that year, even though I did absolutely nothing except invest with them... I have to record and...
View ArticleUS full-time contractor v.s CAD Full-time Employee
Hi guys, I have two options given by a U.S company to me. I have the choice to be payed 160k USD or 218k CAD 1) If you'd like to get paid in USD, you will be hired as a contractor per our third party...
View ArticleWould like to buy an $8k-$10k second-hand SUV in the near future, but unsure...
I would like to potentially buy an $8k-$10k second-hand SUV to do some adventuring in the near future, but unsure whether I should; A: Pull the cash from TFSA/RRSP. B: Look at bank loan/financing...
View ArticleThe Ten Commandments of R/PFC
Having spent too much time on this forum (both in years and in hours) there are a few often repeated, seemingly immutable answers to common questions that come up here in this group. Whether they are...
View ArticleShopping for mortgage? Here are some general concepts you might be interested...
I (Ontario-licensed lawyer) posted a first draft to a sub-sub-sub thread and realized that these concepts may be actually generally helpful, so I edited and completed them in a way that I hope will...
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