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Cake day: March 12th, 2025

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  • I’m not a financial professional but it depends on the purpose of your savings.

    If you plan on buying a house then maxxing your FHSA contributions is a good place to start, probably before a TFSA.

    After this, it depends on your work and income status. If you’re making decent money, I’d invest in an RRSP before a TFSA since you get both a tax credit and can borrow from your RRSP as a first-time home buyer (I think 15 years to repay). If you don’t need the tax break or aren’t really thinking of buying a home in the mid-term future, then a TFSA.

    ETFs are a good choice for the inexperienced, buy-and-hold investor. You can either pick a few sectors you know something about, or buy a broad fund like a TSX 60 fund. ETFs are low cost and you can buy yourself with a discount online broker like Wealthsimple or Questrade.



  • Nasty is a compliment. It’s what he called Freeland after she stood up to him in the last trade negotiations.

    It’s also pretty funny from a guy who jails children, threatens others constantly, abuses power, and makes enemies just by breathing. I actually think in his head “nasty” really just means “won’t simply bend over for me”.