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Hello, I recently became in charge of my parents’ finances after some medical events. My parents purchased their house in Ontario in 2007 for ~350,000$. They have been paying ~2,500$ a month every month for the past 14 years, and yet now, their debt on the mortgage is currently ~500,000$.How can this be? I know the value of the property went up, but shouldn’t they only have to pay what they originally bought it for?I know that they switched lenders from RBC to BMO a few years ago (Unfortunately, they don’t remember when or why) but would that have made their debt that much higher? They’ve never re-financed or been late on a payment.Any insight would be much appreciated! via /r/PersonalFinanceCanada https://ift.tt/3A0jnxQ

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How serious is food inflation in Canada?https://ift.tt/3ATF8kj investigation continues but evidence suggesting that Statistics Canada is underestimating food inflation is mounting.For example, while the CPI report indicates that the price of ketchup has dropped by 5.9 per cent, BetterCart suggests ketchup is up by 7.3 per cent since January. Potatoes are 11.5 per cent more expensive than in January versus the 3.7 per cent suggested by the CPI. Frozen french fries are similarly more expensive – 26.2 per cent more expensive since January, not 5.9 per cent as the CPI reports. Bananas are 4.9 per cent more expensive according to BetterCart, not 0.1 per cent more.Another issue is shrinkflation, which is about shrinking packaging sizes and offering smaller quantities while retail prices remain intact.While a Statistics Canada website talks about how it measures the impact of shrinkflation, about 70 per cent of products in its food basket are listed at quantities that no longer exist in the market. via /r/PersonalFinanceCanada https://ift.tt/3D0OawG

How serious is food inflation in Canada?

September 29, 2021 No comments Article

How serious is food inflation in Canada?https://ift.tt/3ATF8kj investigation continues but evidence suggesting that Statistics Canada is underestimating food inflation is mounting.For example, while the CPI report indicates that the price of ketchup has dropped by 5.9 per cent, BetterCart suggests ketchup is up by 7.3 per cent since January. Potatoes are 11.5 per cent more

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How serious is food inflation in Canada?https://ift.tt/3ATF8kj investigation continues but evidence suggesting that Statistics Canada is underestimating food inflation is mounting.For example, while the CPI report indicates that the price of ketchup has dropped by 5.9 per cent, BetterCart suggests ketchup is up by 7.3 per cent since January. Potatoes are 11.5 per cent more expensive than in January versus the 3.7 per cent suggested by the CPI. Frozen french fries are similarly more expensive – 26.2 per cent more expensive since January, not 5.9 per cent as the CPI reports. Bananas are 4.9 per cent more expensive according to BetterCart, not 0.1 per cent more.Another issue is shrinkflation, which is about shrinking packaging sizes and offering smaller quantities while retail prices remain intact.While a Statistics Canada website talks about how it measures the impact of shrinkflation, about 70 per cent of products in its food basket are listed at quantities that no longer exist in the market. via /r/PersonalFinanceCanada https://ift.tt/3D0OawG

How serious is food inflation in Canada?

September 29, 2021 No comments Article

How serious is food inflation in Canada?https://ift.tt/3ATF8kj investigation continues but evidence suggesting that Statistics Canada is underestimating food inflation is mounting.For example, while the CPI report indicates that the price of ketchup has dropped by 5.9 per cent, BetterCart suggests ketchup is up by 7.3 per cent since January. Potatoes are 11.5 per cent more

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The Canadian Government and Christian church are directly responsible for the atrocities of the residential schools against Indigenous people. So then why the hell are Federal employees getting this day off? The day was created for reflection and to learn more about the tragic history of the residential schools. Federal employees get a full paid day to do this but everyone else will have to participate in their free time. I don’t think I’ve ever been this disappointed in a government decision. If anyone else feels the same, please email Premiere Doug Ford using the link below and let him know what you think.Link: https://ift.tt/2nnOte3 via /r/ontario https://ift.tt/3ANSo9X

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Now I could be wrong but my understanding of the US equivalent (Roth IRA) is that you get the fixed limit per year of appoximately $5000 that doesn’t accumulate if it’s not used. In contrast to the Canadian TFSA that does accumulate it’s annual limit.I was roughly 27 years old when I properly understood this so imagine my surprise when I realize that I’m free to invest upwards of $50k completely tax free.I’m not informed on what equivalent TFSA programs are like in Europe or other developed countries but on the surface I must admit that our particular system seems to be an incredibly generous wealth building tool for particularly middle-class working incomes.Is there a catch ? Or perhaps is the TFSA program not as generous as it seems when compared to other countries ? Interested to hear your thoughts via /r/PersonalFinanceCanada https://ift.tt/2WfqFQv

Is it just me or is the TFSA system incredibly generous ?

September 28, 2021 No comments Article

Now I could be wrong but my understanding of the US equivalent (Roth IRA) is that you get the fixed limit per year of appoximately $5000 that doesn’t accumulate if it’s not used. In contrast to the Canadian TFSA that does accumulate it’s annual limit.I was roughly 27 years old when I properly understood this

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One of my friends was telling me how bad has the situation been compared to the past 6 years. I took the average salary for the tech workers, who have gained the highest salary increase during the past years just to consider the best case.2015 House price (1 bedroom in Toronto) :347K, avg tech salary:88k2021 House price (1 bedroom in Toronto): 617K, avg tech salary: 100kHouse Price increase over 6 years: 77%Salary increase over 6 years: 13.6%Sources:https://ift.tt/3lUFUXY via /r/canadahousing https://ift.tt/3COheaA

How much have we lost affordability in the past 6 years?

September 26, 2021 No comments Article

One of my friends was telling me how bad has the situation been compared to the past 6 years. I took the average salary for the tech workers, who have gained the highest salary increase during the past years just to consider the best case.2015 House price (1 bedroom in Toronto) :347K, avg tech salary:88k2021

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Rolled 360 degrees of a coffee rim up today only to notice in small print “download our app to play”. Maybe the contest should be called “random chance on your phone”.Edit: apparently it’s “roll up to win” now (I guess a lame reference to drive thrus). Holy shit my whole post is invalid… lmao my brain is conditioned to recognize “roll up the rim”. Well I’m an idiot, but leaving the post cuz fuck Tims via /r/ontario https://ift.tt/3ubjUfh

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