never bought hand sanitizer in my life and NEVER will
- Crimsoninja

#snifflesinoctober

never bought hand sanitizer in my life and NEVER will
- Crimsoninja

same

Living with girlfriend is fun at start because you're playing house and it's kinda giddy and stupid and poop.

Then money becomes a thing between you two and it's a (frank)ing nightmare.

Stay at home as long as possible and put money into a savings account. Preferably tax free if you're going to include investments. Look into short term mutual funds, first time home buyer thingies and GICs.

If you're strict about saving you'll be able to afford your own place after 2 years with a nice down payment.

Also find a friend who is a realtor so they can help you with market advice and finding a good mortgage broker.

It's the Vag Plan

Living with girlfriend is fun at start because you're playing house and it's kinda giddy and stupid and poop.

Then money becomes a thing between you two and it's a (frank)ing nightmare.

Stay at home as long as possible and put money into a savings account. Preferably tax free if you're going to include investments. Look into short term mutual funds, first time home buyer thingies and GICs.

If you're strict about saving you'll be able to afford your own place after 2 years with a nice down payment.

Also find a friend who is a realtor so they can help you with market advice and finding a good mortgage broker.



It's the Vag Plan
- Lindenis#1

You have never left home

Also kiss your TFSA good bye on October 19th

You have never left home

Also kiss your TFSA good bye on October 19th
- Cape Breton Bruins

Brah you don't know me

Brah you don't know me
- Lindenis#1

Yes Vag, I do.

Also what kind of TFSA do you utilize? I can give you some (frank)ing pointers because I spread it around.

Yes Vag, I do.

Also what kind of TFSA do you utilize? I can give you some (frank)ing pointers because I spread it around.
- Cape Breton Bruins

No you don't

I'll double check when I get home the specifics. I don't know the business words a name for it

Also as I waited for my number to be called at the passport office at fairview Iwweto the white eb next door. There's not a single game for The One that looks even remotely interesting.
- basementfloor

fu fag

No you don't

I'll double check when I get home the specifics. I don't know the business words a name for it
- Lindenis#1

Oh for sure I do

Also if you haven't already move your TFSA to a mutual fund option with a balanced foreign and domestic stock and bond portfolio and watch that sum female dog grow.

Remember you can draw from your rrsp or MF TFSA at any time as a down payment for a first time home buyer and you have 15 years to replenish the fund without taxation or penalty.

If you draw for any other reason you will get the business end of the Harper hammer up your anus.

Oh for sure I do

Also if you haven't already move your TFSA to a mutual fund option with a balanced foreign and domestic stock and bond portfolio and watch that sum female dog grow.

Remember you can draw from your rrsp or MF TFSA at any time as a down payment for a first time home buyer and you have 15 years to replenish the fund without taxation or penalty.

If you draw for any other reason you will get the business end of the Harper hammer up your anus.
- Cape Breton Bruins

Nah bro. U dunt

Tyvm for the tip. I knew about the home buyer thing

I also have an optional rrsp thing from work that is similar I can get monies from since it isnt the main rrsp thing which is nice

Hey crims

Remember how you said that Chief could probably eat you when you saw the picture of him playing hockey?

Now he definitely could because he's training for power lifting in the Olympics.

Oh for sure I do

Also if you haven't already move your TFSA to a mutual fund option with a balanced foreign and domestic stock and bond portfolio and watch that sum female dog grow.

Remember you can draw from your rrsp or MF TFSA at any time as a down payment for a first time home buyer and you have 15 years to replenish the fund without taxation or penalty.

If you draw for any other reason you will get the business end of the Harper hammer up your anus.
- Cape Breton Bruins

pls tell me more. right now, my money is in high interest savings account.
i feel like i should put some in a tfsa or rrsp but i don't understand any of that ish.
might just go see a financial advisor

pls tell me more. right now, my money is in high interest savings account.
i feel like i should put some in a tfsa or rrsp but i don't understand any of that ish.
might just go see a financial advisor
- Apples

Go see an FA but if you do utilize the TFSA make sure they put it in a TFSA mutual fund and not just a high interest TFSA which only accumulates 1.5% interest compared to the mutual fund version that can average between 7% to 10% depending on the market.

Nah bro. U dunt

Tyvm for the tip. I knew about the home buyer thing

I also have an optional rrsp thing from work that is similar I can get monies from since it isnt the main rrsp thing which is nice
- Lindenis#1

Anytime an employer matches any contributions make sure you max it out and take as much free money as you can from them rich bastards. If they are giving it away, take it while it's there.

pls tell me more. right now, my money is in high interest savings account.
i feel like i should put some in a tfsa or rrsp but i don't understand any of that ish.
might just go see a financial advisor
- Apples

what you wanna do is walk into a BMO and start shouting about how you're an ex-employee and you're tired of getting screwed over with your money. yell at the security guy if they have one.

Apples, blow every last penny on drugs booze and hookers and die by 27. All downhill after that.

Apples, blow every last penny on drugs booze and hookers and die by 27. All downhill after that.
- dt99999

Solid point

if i had to pick a fav year it would probs be 1999

if i had to pick a fav year it would probs be 1999
- Crimsoninja

2011 for me

if i had to pick a fav year it would probs be 1999
- Crimsoninja

i'd say my life started going downhill in 98

2011 for me
- Cape Breton Bruins

if i had to pick a fav year it would probs be 1999
- Crimsoninja

i'm gonna go with 94

- Shutdown

Yeah sure. Also married baby momma who's as chill as it gets for laydeeees and went to boston to see the banner go up, started my new career. Good year for ol' Cape Cape

2002 runner up

Graduated high school and got my own place with two buddies and we made a complete mess of our lives and livers. Solid year.

Go see an FA but if you do utilize the TFSA make sure they put it in a TFSA mutual fund and not just a high interest TFSA which only accumulates 1.5% interest compared to the mutual fund version that can average between 7% to 10% depending on the market.
- Cape Breton Bruins

oh ok thanks man. bank preference? im with TD right now