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All units must be registered in order to operate. Only 2700 out 18,000 units have registered so far chances are high anything your report is not on the list.2.Landlords can only rent the property they live in. So if you see only airbnb renters but never the landlord report them.There’s a 4% municipal tax that is to be collected. With the impact of covid and the many encampments of homeless this money is needed now more than everCall 311 or visit website The new regulations came into effect early this month https://ift.tt/3tcwVUI Edit. Link fix via /r/toronto https://ift.tt/2MA2c3e

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By now we’ve all heard stories of US brokers not allowing buy trades, or not letting people search for the stock etc. Idk about you guys, but I’ve had phenomenal performance with the wealthsimple app. Even TD broke this morning, but this little guy wealthsimple is working. Sure the notifications and emails come like 8 hours after the trade lol, but if you have the app open, the orders are handled in a timely manner. Today in the initial crash, my buddy was actually able to pick up $GME at $150 USD. They was no bs of “you can’t trade”, “server crash”, or getting an unexpectedly high purchase price due to volatility. She placed the order during the halt, and go one of the first prices when it unhalted. Obviously this is how all platforms should behave, but seeing what the other guys are doing, shout out to Wealthsimple.Note: not endorsing any of the stocks mentioned in this post. Don’t gamble with money you can’t afford to lose. Do your DD before investing. Have an emergency fund. 🙂 via /r/PersonalFinanceCanada https://ift.tt/39tKEin

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I’ll be honest, I’m a 23 year old who knows nothing about money besides to save it, hence why I’m here.My parents are seniors (68f, 70m). My dad has worked his whole life as a self contractor doing carpentry. He was working up until September where he got chest pains, went to the ER and found out he immediately needed a triple bypass heart surgery. He was in the hospital for two weeks for prep and tests, and then another two weeks or so for recovery. They’ve told him that he cannot go back to work anymore – especially something so labour intensive. It took him over a month to be able to walk for more than a few seconds and he still struggles with breathing, plus he constantly needs to take a ton of heart medication now (for the rest of his life). Plus now he’s at high risk due to covid. My mom has small scale babysitting (under five kids) but that came to an end when covid started.My dad is in a lot of debt. I don’t know the exact number but I’m guessing close to 100k between all his credit cards. My dad has a lot of credit cards with interest rates as high as 20%, and he’s too stubborn to find a better option because he refuses to admit he’s made bad financial decision.I believe my dad got his pension sorted out and gets $700 a month. My mom hasn’t applied for hers because she said she’ll get $400 at most so it’s not worth the effort ($400 is better than $0 Imo). They don’t get any other government support in Canada. They’re also Polish citizens. I don’t know the exact details but my mom is getting some retirement money in Poland but she can only get it when someone visits Poland and brings it back for her – which I’m not sure why. I don’t believe my dad is getting anything in Poland.My sister has been pushing for my dad to file for bankruptcy to help with the debts, which he seems to be in the process of pursuing. They don’t own anything. They rent an apartment and borrow my brothers car when they need it. I paid for uni out of my pocket so they weren’t affected by that either. Their rent is ~$1400, which is really cheap for our area. My dad made about 35k a year before.Is there any other financial assistance they can get? I just can’t understand how two seniors can only be getting $1100 in support when the average rent in my city is $2100 and so many others seem to have found at least some top up through covid relief (especially since my dad can’t work anymore and my mom is his caretaker) or elsewhere.I hope I included all the important info. Please ask if there’s anything I missed.Edit: I just want to thank everyone so so much for their input. I never expected so many of you would take the time to help me our and offer advice to guide me and my parents through tough times. I wrote this up before work on a whim thinking I’d get a few responses if any. I wish I could reply to everyone individually. If anyone has asked a question I will try my best to get to it when it slows down at work. Thank you again!!!!! via /r/personalfinance https://ift.tt/39jgRIZ

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Hello everybody!I’ve just published an article about the imposter syndrome and I thought it could be useful for some of you. I know it’s not directly related to development, but I think it’s really important to speak about it, so here I am.Of course, if the moderators judge that this post shouldn’t be here, I would understand if it’s deleted.In this article, I’m trying to answer these questions:What’s the imposter syndrome?What are the symptoms of the imposter syndrome?What leads to the imposter syndrome?Can everybody be victim of the imposter syndrome?What are the consequences of the imposter syndrome?How to overcome the imposter syndrome?Key takeaways:The imposter cycle is an infinite loop where you’ll have bumps of satisfaction followed by anxiety and doubts, making any success bitter.The fear of failure (or the fear of success) can stop you for thriving in what you love doing. Try not comparing yourself to the others and be proud in what you achieved.If you want to be the best, you won’t make it. There is always somebody who seems better than us; instead, try to do your best, your way. Pinpoint your mistakes, and try to improve from there.True humility is a good quality. But humility doesn’t mean undermining our successes and the praises we receive. Having an accurate perception of our worth is important, too.It’s not clear where the imposter syndrome comes from, but our conception and high praise of intelligence doesn’t help us (or our peers) to have a good mental model of ourselves.Being on the imposter road for too long will undermine your mental health. Remember: health is the most important.We need to speak more about our own experiences regarding the imposter syndrome, to support each others. To tell the world that it’s fine to have these feelings.If you’re experiencing the imposter syndrome, you’re not alone. Speak about it with the persons you trust the most, the ones who can support you.I believe that the IT industry is a competitive mess where many of us claim knowing everything, even if we’re full of doubts and insecurities. The focus should be on what we’re building and how to make our users happy, not infinite debates which doesn’t improve anything.I hope it can help some of you. Any feedback, positive or negative, is welcome!Here’s the article. via /r/webdev https://ift.tt/3iQ9WKw

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I am going to build my first application without tutorials. I want to do a program that will filling my simple document and making digital copy, that I can print. To do that, I need library, which allows to write strings on the specific places in image. What is the best library to do that type of things? via /r/csharp https://ift.tt/3iJsD2h

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Hello PFC,I am thinking of beginning a freelance gig and registering as a sole proprietorship. I am just now weighing the pros and cons. Currently I do very little work, but am considering buying a considerable amount of equipment and expanding operations. I have a specific question but feel free to mention anything conisdered noteworthy.​In regards to class 14.1 goods. “Properties that are included in Class 14.1 and acquired after 2016 will be included in this class at a 100% inclusion rate with a 5% CCA rate on a declining-balance basis and the existing CCA rules will normally apply. ” Can someone put this in simpler terms for me?​Thanks in advance!,CR​​EDIT #1 – Title Should Read ‘Question’ via /r/PersonalFinanceCanada https://ift.tt/3qLlPnM

Hey all,​Just one of your resident anonymous financial advisors here. I wanted to lay out some information that many of you may find helpful.For reference, I run a wealth management firm & personal income tax firm. I am IIROC licensed, life licensed, have a BBA degree and hold the CFA designation & a litany of other useless titles. This account is anonymous and is not being used to find clients, I simply ignore any DM requests related to this.I know there is a massive hate for financial advisors here, and frankly its well deserved.I wanted to talk about the problems with the industry, why they exist, and why most people have a bad experience with a financial advisor.Let me start by prefacing this and saying that I fundamentally believe 90% advisors are salespeople, 5% are scammers and 5% are actually doing a good job for their clients.Now, let’s talk about why 90% of the advisor are salespeople. Well, 90% of the clients who work with advisors have small accounts & as such pay very little.Let’s consider a median account size, of say $20,000 in a banks investment products. You might think that’s low but seriously what do you think the average Canadian has in investments? It’s likely this is in a bank’s product charging a 2.3% MER. But for this example, lets assume the advisor is independent and makes nothing on the banks end of things. Out of this 2.3% the advisor is likely paid a 1% trailer fee. On $20,000 that would pay a gross commission to the advisor of $200. Now, the advisors firm is going to take a cut of that, and it’s likely around 40% (More successful advisors pay a lower rate, we pay 20% but average is probably 40%). Meaning the advisor gets $120 per year in revenue to manage this account.Now this $120 is before they pay their staff, their rent, software costs, phone bill, internet etc etc etc. Meaning that the actual gross profit an advisor might make on this could easily be less than $50. Their team may spend anywhere from 3-10 hours per year on this account. Meaning at the high end they make $16.67 an hour and on the low end $5 per hour.This is what causes such a problem in the industry. In the first place, the vast majority of Canadians are not willing to pay for financial advice. Even if they desperately needed it. If the advisor tried to charge an hourly fee or anything along those lines, it is likely the % fee would be substantially higher for the client at the end of the day.So what does an advisor do? Well most advisors forgo spending a ton of time promoting good advice and rather collect as many accounts as they can. Since they are making next to nothing per hour of work on the smaller accounts, they have to offset this by making more on larger accounts.This is fundamentally why the majority of financial institutions do not bother fully training their financial advisor staff as it is nearly impossible to be profitable for them providing proper financial planning and advice to the majority of the population. They train them to sell profitable products instead, as the products can be profitable while the advice industry is not outside of the High Net Worth segment.​This leads to the population that most needs proper financial advice, being unable to receive it and receiving crappy advice and expensive investment products instead. As it is the only method that major financial institutions have found to make this demographic profitable.Since the majority can not afford proper advice, they receive crappy advice. Since the majority receive crappy advice, the industry as a whole provides crappy advice. The industry receives a bad reputation, which it deserves.​To give you perspective, this is what I do with a $100,000 client:We meet for 30 minutes to interview for the first time. They book a second meeting of an hour to go over the details, what we charge etc. They call us to confirm they want to move their accounts over. We send them a list of questions we need answered so we can prepare the paperwork.We spend 1 to 3 hours preparing the paperwork depending on the complexity. We then sit down and meet with the client for another hour to go over and sign off on the paperwork. We then arrange a phone call or meeting to go over the clients financial goals and objectives. This is usually an hour.Then we spend 3 or 4 hours preparing a financial plan for the client to reach their goals and objectives. Then we spend an hour going over the financial plan with our client. It likely requires some revisions, so we spend an hour making alterations to it. We then spent 30 minutes reviewing the amended plan with the client.If the client approves, we then design an investment portfolio to meet the return & risk objections from the financial plan. Average of 3 hours, some take 15 minutes, some take 20 hours+ depending on complexity.From there we sell off their existing portfolio, and buy their new portfolio. Which takes 2 hours on average. Once that is all complete we spend up to 2 hours reviewing the accounts to ensure all the money has arrived properly, the portfolio was purchased accordingly and no errors or omissions have taken place. Then we prepare the compliance paperwork for the portfolio which can take an hour.So far, 19.5 hours spent. $100,000 pays us 1%, and our dealer takes 20%, leaving us with $800 or $41 per hour. Now remember, this $41 per hour is simply my revenue. I have full time staff, rent, software costs, standard office overhead (heat, phone, internet). My share of business expenses run at about $48 per hour. My rent is only $600 a month as my business partner owns the building. Most advisors likely have a higher overhead than I do.So for this client, it has cost me $7 per hour to provide them with proper financial advice. Now, it is likely that the number of hours required yearly after this drops down to 10 hours a year. The only reason I even take on an account of this size is if they are saving regularly and I can see their account being worth $500,000 in the future as that would allow me to be profitable for managing their account.This is the entire problem with the financial advice industry. The regulatory, compliance, administrative overhead costs are so high that I can only provide proper advice to those that already have enough money. The result of all the excess costs designed to protect consumers, is worse and worse advice being given to those that need it most.​This is why the majority of financial institutions provide crappy advice, & use high fee products. It is why if you can learn to manage your financial affairs you should. However many people should note that simply because your situation is easy to learn does not mean it is easy to learn how to manage every single persons financial situation.Even with that being said, every single piece of research I have ever read has shown that investors behavioural biases detract from performance more than high fees do. Every investor assumes this is not them. Most investors are stuck between a rock and a hard place. Spend the time learning how to invest properly, do it yourself and the majority will suffer behavioural pitfalls detracting from performance. Or get lumped in with an advisor who may charge you too high a fee, receive low quality advice, but potentially eliminate some of your behavioural pitfalls. Roboadvisors can work for some people, but I still see people making behavioural mistakes with roboadvisors. Waiting to put money in until the markets at a “good point”, or changing their risk tolerance at terrible times.​This is not to say that I am complaining as an advisor, or that you can’t find a good advisor. These are all generalities and are not applicable to every situation. I can only speak in broad strokes as your situation is likely unique. I make a good income for my level of qualification and have no complaints. However I see the average advice provided by my industry and it appalls me. Its why I understand the hate for my industry in the general community.​Let me know if you have any questions, I would love to discuss potential solutions to these issues. via /r/PersonalFinanceCanada https://ift.tt/3cgmlGz

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I just wanted to share what I consider a parenting success story. My wife and I have been giving $20/week to our 11 and 8 year old every Saturday for some time now. Not tied to chores or grades or anything, nor did we put restrictions on what they could buy. Our goal is to teach them about managing their money and what it means to spend it. For a long time, we rarely had to physically hand them paper money because as soon as payday rolled around, they’d want to buy something for one of their digital games. Sometimes they’d even ask for an advance, which we refused. Once you spend the money, it’s gone. They’d almost always spend their money on some skin or in-game currency on a game, get bored with that game, and then move onto the next one. Wash, rinse, repeat.Recently, my 11 year old has been saving most of his money to buy a laptop. The last time we sent him to the grocery store (we live 2 blocks away in a small town), he even bought his brother a treat because his brother had spent all his money for the week. It has been so satisfying to see him create a financial goal and a plan to reach that goal instead of spending his money just because he has it. It’s cost us hundreds of dollars, but I feel it will save him thousands or tens of thousands of dollars by learning this lesson before he lives on his own. We are fortunate enough to have the cash to give to the kids, so I understand this isn’t something everyone has the luxury of doing. I wasn’t 100% sure how this would turn out, but I am glad we gave it a try. via /r/personalfinance https://ift.tt/2XRArFJ

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