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I’m looking to retire in 10 years. I’m not neccesarily opposed to working part time, possibly remotely in the winter time, but I would rather like to plan as though I do not have to actively work while being somewhere south in the winter months.What advice would someone who does not work have for someone like me? Are you living off savings, off of various investments? Do you perhaps own rental property where you rent in the summer and live in it during the winter?How would you suggest I steer my ship for the next 10 years to hold my own and perhaps take advantage of different options? via /r/PersonalFinanceCanada https://ift.tt/3BpCGSO

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It got positive engagement before someone removed it. And, considering that the content held valid discussion points regarding housing, removing the post kind of feels like censorship. Even BC’s Attorney General and Minister responsible for Housing has discussed the topic of money laundering being a prominent issue and the book itself. So, why the removal? via /r/canadahousing https://ift.tt/3uXVvtP

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Hello. Every time I practice shortening this with my wire strippers I am cutting the two internal wires and damaging them. What tool is best for this? https://ift.tt/3mGuXJU via /r/DIY https://ift.tt/3an2mn4

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https://ift.tt/3BuTAzB in Canada, you have to be very poor to qualify and apply. Hard to get even you are poor enough.https://ift.tt/3aqsVI6 lottery draws (closed in 2018)1 bed rooms are only for seniors;To qualify for an affordable rental unit, an applicant’s household annual gross income cannot exceed four times the annual rent of the unit they are applying for. Please see the table below for income limit for the units at 150 River St.:​Bedroom Size: 2 bedrooms​Monthly rent (utilities included): ​$1,194​Minimum household gross income per year : ​$14,328;​Maximum gross household income limit per year: $57,312​​Bedroom Size: 3 bedroomsMonthly rent (utilities included): ​ $1,331;​Minimum household gross income per year : ​$15,972;​Maximum gross household income limit per year: $63,888; via /r/canadahousing https://ift.tt/3BsmOiv

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A videogame development company (Eidos) in Mtl has transitioned from a 5 days job/week to 4 days. I just wanted to know what are your opinions on it. Also, Would you do it and would 32 hours still be enough for you to live your actual life? (Idk if it’d make a huge difference tax-wise) via /r/PersonalFinanceCanada https://ift.tt/3FpsxrE

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I’m not giving up. But I also don’t want to keep chasing an unrealistic goal. After 11 years working our fucking asses off in Ontario both me and my wife make around 100k before tax now. We live very frugally and we saved a lot, we have a little kid and I wanted to secure a nest for my family but it seems that I will always be a tenant. I’m not really sure if being immigrants or middle eastern affects our incomes but both me and my wife are in great positions in our jobs (I’m a manager, she is a team lead for a CS department) but I keep seeing some people on Reddit marking way more than what we do (we are highly skilled and have great language that was never a barrier) we are also constantly praised by our employers but we rarely get a raise and when we do it barely keeps up with inflation.We saved a lot of money but every time I save X houses go up 7X. Few month ago I could’ve tried to buy a house after dumping all my savings and being in debt to my eye balls, I didn’t want that, I don’t want to live off of credit cards and lines of credit. But now !!!!!!In the past few months houses went up by 100s of thousands. That doesn’t make any fucking sense. Some people made made 4-6x my entire household income tax free just by buying a fucking home 2 hours away from Toronto, don’t get me wrong I love Toronto but it’s not Fucking Monaco.At this point I’m really concerned how would I raise my kid. How can I have a safety net for her. I have some money saved in cash and some in stocks and such (nothing much by today’s standards) but I’m really not sure how to move forwards and what to aim for. All I know is that I have to make my peace with the fact that I will never own a home for my family here. And yes we did try to find jobs elsewhere in Canada but again being immigrants might be stopping us from securing that (I don’t know)I don’t know why I’m posting this. Maybe just venting out. But please no stupid comments if you have something to say please be decent I can’t handle anymore demeaning comments it’s enough that we don’t have any sense of dignity as hard working, law abiding, tax paying Canadians via /r/canadahousing https://ift.tt/3uZjcSt

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For example, a lot of my aunts, uncles, and cousins got together last weekend to watch a college football game, and I was made aware that they would be grilling hamburgers and hotdogs, so, of course, I just brought some gardein crispy tenders so I wouldn’t only have to eat side dishes. While I was waiting for the oven to preheat, SO many of my family members questioned why I wasn’t eating hotdogs or hamburgers and were just astounded when I informed them that as of about a month ago I stopped eating meat. After seeing the looks on their faces, I just really felt embarrassed and didn’t want to be asked anymore questions even though I know deep inside that I am proud of what I’m accomplishing. So I guess I’m just wondering if anyone else has felt this way and what exactly I can say to friends and family who judge my decision without sounding defensive. For reference, I am a young, reserved girl living in the Deep South. Thank y’all 🙂 via /r/vegetarian https://ift.tt/3iNY90t

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Latest episode (170) looks at the research from a non-financial perspective:For decades, owning a home has been seen as a hallmark of the ‘American dream’ and a major life milestone. While we take it for granted that home ownership is good, we make the argument in today’s episode that, from the perspective of subjective well-being, owning a home isn’t necessarily the key to happiness. This conversation covers the non-financial aspects of homeownership and why owning a home isn’t necessarily superior to renting one. This is supported by data from a number of different studies that describe the relationship between experienced happiness and life evaluation, and how the decision to buy or rent relates to effective forecasting, for example. Benjamin unpacks concepts like focalism, hedonic adaptation, and buyer’s remorse, as well as social comparison and happiness when it comes to material purchases like homes. He concludes with the following words of wisdom: buying a house will not make you happy, but that doesn’t mean it’s a bad decision. […]https://rationalreminder.ca/podcast/170https://www.youtube.com/watch?v=GpTRkL7LKIYMain topic starts about half-way in. via /r/PersonalFinanceCanada https://ift.tt/3ajJVQd

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Hello, I need some help in understanding why the Provincial Government has not accepted $10 Daycare plan from the Federal Government ? As we all know the cost of living in Canada has increased. Houses are at an all time high, food, gas are just a few to bring up. A dollar doesn’t go as it used to be in in the 80’s and 90’s.I know our French neighbours have had a program for child care for many years now and have recently accepted the federal support in this program.So what am I missing ? Is there a caveat to this deal with the Feds? Why have we not jumped on board ? When I’m a parent of two and paying over $2000 a month for both my children to attend daycare. I need some help understanding this.Thank you. via /r/ontario https://ift.tt/3oEniyi

So very long story short never mind long i guessWe bought a house, with the house was a contract for a water heater rental which we had to take on – Aire One. Tankless Water heater, retail cost -3-4 grand from what I could find online. Monthly option for it was $60(thats what the previous owner was paying).I did take the rental on, 1 month later I called them up “Hi i’d like to buy this out right”. Several phone calls and promises to call me back, I get a quote for the water heater at $4086. I go fuck thats a lot, ok we’ll save a bit more, they said “its ok youre paying it monthly so it should be less next time. I go great.Flash forward 6 months later(Today) I call (Me: OP, AireOne: AO)OP: I’d like to buy it out.AO: Ok that’s going to be $4100(roughly, i’m remembering from the call)OP: Oh ok why is it more than x invoice?AO: This covers service/cancelation feeOP: Wait i thought i’d be cheaper because i’ve been paying it every monthAO: Sir this isnt rent to own check your contractTurns out this was never rent to own, this is a 10 year rental with the option to buy it out right after 10 yearsSo I go ok fuck it here’s my credit card, just get it over with. Then I get a charge on my credit card for $4750. I go wait wait wait what the fuck, turns out it’s $4100 pre tax, but also the intial quote indeed didn’t include the cancelation fee, which is $750 + Tax! So almost 1 Grand to cancel a fucking contract and had to pay a total of almost 5 Grand!So this is a warning to anyone that googles this company. I’m so mad and now im very very poor and theres other repairs to do (first time home owner, first year of owning this house) And now im back on the savings just to be able to pay my insurance next year , jesus christ this was a hitAnyway i dont have any questions here, i should have canceled then waited till they picked it up and bought a different water heater, i fucked up and now im mad and 5 grand shorter. At least its over via /r/PersonalFinanceCanada https://ift.tt/3Bl8Bnk

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https://ift.tt/2Yq0TdH, the whole Great Vancouver’s populations are about 2.7M, in 10 years Ontario will add almost a whole Great Vancouver into its current populations. That’s crazy, isn’t it?”Ontario is expected to add a whopping 2.27 million people to its current 14.5 million residents within the next ten years alone, according to the Ministry of Finance — 1.2 million of them in the Greater Toronto Area.Government officials project that the City of Toronto proper, which currently has a population of nearly three million residents, will add roughly the same number of new residents on its own by 2046.In other words, if Ontario’s Ministry of Finance is correct in its projections, nearly four million people will be living in the 416 some 25 years down the line.Where are they all going to reside? And how will they afford to?A new research paper from the Ottawa-based Smart Prosperity Institute called Baby Needs a New Home, released this week, asserts that Ontario needs to build at least one million new homes over the next ten years to meet the demands of its rapidly-growing population.Failure to do so will push young families out of many cities and communities, further and further, until they find places that are affordable to live, similar to the exodus we’ve seen from Toronto amid the COVID-19 pandemic.”Toronto’s population grew faster [from 2016-2021] than the housing needed to accommodate that growth. Accelerated housing demand, coupled with no real change to the rate of home completions, ensured that the demand for housing exceeded the supply,” notes the report.”Not surprisingly, this led to escalating home prices (as well as rents) in the City of Toronto, but it also led to an exodus of young families out of the city of Toronto in search of housing…””The ten most common ages, on net, for people to leave Toronto and Peel, to other parts of the province are 0, 1, 2, 27, 28, 29, 30, 31, 32, and 33. That is, infant and toddler-aged children and their parents.” via /r/canadahousing https://ift.tt/3ljoHbH

My wife was recently denied life insurance due to anxiety. About 6 months after giving birth to our daughter she would have minor panic attacks. She has had maybe a half dozen since giving birth. She has since been meeting with a therapist bi-weekly.What we find puzzling, is she has never officially been diagnosed with anxiety, never been hospitalized and does not take medication. We cannot understand what her doctor would have relayed to the underwriters that indicate any real level of risk. We have been told to apply again in 6 months but she plans on continuing to visit the therapist because she has found it to be extremely beneficial in general. It feels like we essentially need to lie to to have any shot of receiving coverage. We recognize trying to mitigate postpartum risk but our daughter is now twenty months old.Any recommendations or insight would be appreciated. via /r/PersonalFinanceCanada https://ift.tt/3mB8u13

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