Recent Posts

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I'm just coming up on one year without a paycheck and dw quit last Friday.

I so remember being so anxious for the job to be over back in 2014. I really was wondering if I could do the last 3 months.

Then out of the blue.. They fired me (well I sort of might have helped a bit.. cough.. square peg round hole that sort of thing..:)..).

Then I never had to go work there ever again.

I took some pt jobs just for fun and have to say it was the most fun I have ever had at work.. Go figure..:)
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Throw Down the Gauntlet / Re: One "Odd" chore a day
« Last post by firelight on Today at 06:24:04 PM »
Not an odd chore but been on my to do list for quite some time: deep cleaned the house. Next on list, work through kids clothes and donate the too small ones.
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-We moved to a smaller town last year, and I sadly said goodbye to my cheap beauty school haircuts. I haven't cut my hair since- after a friend with a similar hair texture tried to DIY hers and it went poorly, I didn't want to do my own, DH is too afraid to do it, and I couldn't swallow the cost of a salon visit! BUT, when I was riding my bike today I spotted a little beauty school! So Friday I get my hair cut for $6-10. Always a little bit of a gamble, but I figure it's less than if I was doing it myself! Haha.

-Followed our meal plan and used chicken that needed used, even though it wasn't what sounded good for dinner.
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Share Your Badassity / Re: Haven't Used Shaving Cream in Years
« Last post by aceyou on Today at 06:22:19 PM »

I have struggled with the merit of shaving in the shower, however.  The mass amount of warm water to accomplish the deed most likely offsets the minimal cost savings of shaving cream.  I generally consider it a wash on cost effectiveness.

I've thought about this too, probably a wash at best to shave in the shower due to warm water expenses.  My thinking is that I save on shaving cream to spend on the extra minute or two in the hot shower.  I love a nice hot shower:)
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Throw Down the Gauntlet / Re: Target FIRE: 2017
« Last post by FrugalAussie on Today at 06:20:29 PM »
An update from me.  Not all has gone according to plan. Our trip to Canada was cancelled because I had to go into hospital to have my gall bladder removed the week after finishing work. All very sudden. I was cross that I'd left work and so not entitled to all my accrued sick leave but actually, it was wonderful to have no work stress impacting on my recovery. The operation went well and now I spend my days exercising and eating well (I've lost 5 kg), socialising, volunteering, gardening, reading.  Life is good. My partner went back to work early to finish his last days so he'll be retired on 16 August, just before his 55th birthday. As many have said before me, "my only regret about retiring early is that I didn't do it sooner." 

   
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I research the crime statistics. Also, I park near the house and go for walks in the neighbourhood and park there at various times in the day and evening (weeknights and weekends) to get a feel for the neighbourhood activity.

This exactly!   We almost made an offer on a house, had seen it twice thought it was great.  But we took a trip back the next day (Saturday afternoon) and it felt like a totally different place.  It seemed quiet the first couple visits but that's probably because everyone was at work/school.  We didn't realize how busy it would be on weekends all the kids in the neighborhood and lots of traffic going to the park at the end of the street.
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Do it Yourself Discussion! / Re: Retro Appliances
« Last post by Spork on Today at 06:16:29 PM »
As an aside, I remember there is one person on Chambers Rangers discussion board that bought a Chambers 90C on ebay and had it shipped up there.  If you were wanting to go that route, it might be worth your while to join Chambers Rangers and discuss it with her.  I imagine shipping is a bear... they're about 450lbs.

Chambers Rangers is http://chambersrangers.proboards.com/
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Share Your Badassity / Fixed my oven!
« Last post by ketchup on Today at 06:07:43 PM »
Last week, our gas oven (20+ years old, came with the house) quit working.  It wouldn't heat up, and when I took the bottom cover off, it appeared that the igniter was glowing, but not bright enough (according to my internet research).

I briefly looked into a new range, something like $450 delivered and installed from Sears and the old one hauled away (shockingly, the cheapest/best option was, in fact, Sears).  I checked craigslist, and found a good one for $200.  I started looking into truck rentals and the best way to get rid of an old range... when I backed up.

A new igniter was $24 on Amazon and eligible for free next-day delivery.  I figured that $24 was worth the chance of being able to fix it.

It arrived, and it took about 10-15 minutes of fumbling around to swap it out.  Then I preheated the oven to 400F like it was nothing.

Gas ovens are incredibly simple mechanically.  I had no experience before this, and it was super easy.

Additionally, we used our oven-less time as an opportunity to fire up the grill and make some excellent kebabs.
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Investor Alley / Re: Canadian Employee RRSP and RPSC
« Last post by Mr. Rich Moose on Today at 06:07:00 PM »
Hi!

My company is switching the investment company it deals with from Manuvie to Industria Alliance (here in Quebec, Canada) for RRSP and RPSC.

I now have to choose between pre-made funds (around 0.7% fees) depending on my ''investor profile'' and hand picking my funds.

Obviously, I'm here because I'm more interested in hand picking my funds with lower management fees.

The lowest management fees available are for index funds at 0.4%. It is higher than the ETF's I have on Questrade, but still not that bad.. and I can't ignore the company's 4% contribution over my 2% contribution :)

I am interested in 3 index funds (all at 0.4% management fees) :

- US index fund : Aims to closely track the S&P 500 Index
- CAN index fund : Replicates the performance of the S&P/TSX
- International index fund : The Fund aims to closely track the MSCI EAFE Index by investing in securities from Europe, Australasia and the Far East.

So my question is, should I try to stick to my AA with those investments too? I currently aim at 50%US / 20%CAN / 20% ROW / 10% bonds and plan on leaving that money there for a very long time..

But, looking at the compound returns of those funds, historicaly, the US index fund has better return over a long period so I'm tented to put more than my AA in this fund, but I'd like to get opinions before I do it.

Actually, I was thinking 80% US index fund, 10% CAN and 10% International..

Or should I even bother look at the other proposed funds..?

Thanks !

Stick to your desired AA for your whole portfolio. Remember, the RRSP is a great place for bonds.

Don't get tempted to fall for a fund just because it has recently outperformed. The U.S. stock market has been unbeatable since 2009, but that's no reason to believe it will continue to outperform in the future. In the last 6 months to 1 year, EAFE has actually done better.

I wouldn't even look at funds that charge over 0.50%. Fees matter first!
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Ask a Mustachian / Re: Question about $300-$400 Grocery Budgets...
« Last post by ElleFiji on Today at 06:05:22 PM »
Also, if you're in the St Lawrence Market area, you could check out the grocery stores in Chinatown. The ethnic grocery stores are sometimes cheaper.
Yes, along spadina. And also the fruit markets in Kensington market. And someone can tell you where the good farmer's markets are, because st. Lawrence market is weird.

I'm in the suburbs, and I also love no frills and bulk barn. And we have a variety of ethnic supermarkets like starsky and oceans and nation's and t and t. All delicious, and with food that looks smells and tastes like food. It sounds like you recently moved - I find that ups prices for almost a year while you stock up and learn your local options
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