| Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum. |
 | | 
07-07-2025, 11:41 AM
|
#26751 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Nov 2002 Location: 604
Posts: 9,065
Thanked 5,166 Times in 2,483 Posts
Failed 306 Times in 149 Posts
|
Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account.
__________________
immortalized in bcrdukes signature
| 
|  | |
07-07-2025, 11:44 AM
|
#26752 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,211
Thanked 15,944 Times in 6,486 Posts
Failed 2,158 Times in 740 Posts
|
Typically between 5 and 15
Seems pointless to keep much more than that in and not invested in TFSA or at least gaining something. Worst case toss emergencies on credit cards, absolute worst case pull out cash advances from credit cards
__________________
Dank memes cant melt steel beams
| |
| | |
07-07-2025, 11:45 AM
|
#26753 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 11,525
Thanked 13,357 Times in 4,856 Posts
Failed 519 Times in 276 Posts
|
enough to buy a birkin or kelly in case of emergencies (they just randomly tell you that your shit is in, no warning and youre out 30-100k depending on which one of your "wishlist" items comes in).
__________________
Geriatric Motoring Crub Member #444 | |
| | |
07-07-2025, 12:02 PM
|
#26754 | | RS has made me the bitter person i am today!
Join Date: Dec 2009 Location: Burnaby
Posts: 4,860
Thanked 6,610 Times in 2,428 Posts
Failed 285 Times in 121 Posts
| Quote:
Originally Posted by whitev70r  Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. | This is Revscene you know what kind of answers you're going to get back here 
__________________ Quote:
Originally Posted by MG1 In Mike we Trust | | 
| | |
07-07-2025, 12:08 PM
|
#26755 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 31,314
Thanked 13,082 Times in 5,403 Posts
Failed 511 Times in 339 Posts
|
How are some of you dipshits so poor? Get out of this forum! Don't need any of this homelessness. Should be illegal here and ship you broke dicks off to Siberia!
| |
| | |
07-07-2025, 12:10 PM
|
#26756 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 31,314
Thanked 13,082 Times in 5,403 Posts
Failed 511 Times in 339 Posts
| Quote:
Originally Posted by Hondaracer Typically between 5 and 15
Seems pointless to keep much more than that in and not invested in TFSA or at least gaining something. Worst case toss emergencies on credit cards, absolute worst case pull out cash advances from credit cards | Deport!
| |
| | |
07-07-2025, 12:14 PM
|
#26757 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2002 Location: Vancouver
Posts: 10,515
Thanked 3,617 Times in 1,408 Posts
Failed 142 Times in 70 Posts
|
I get antsy when my balance falls below $10k...
But in reality, I also have a line of credit to fall back on for emergencies.
__________________
Do Not Put Aftershave on Your Balls. -604CEFIRO
Looks like I'm gonna have some hot sex again tonight...OOPS i got the 6 pack. that wont last me the night, I better go back and get the 24 pack! -Turbo E
kinda off topic but obama is a dilf - miss_crayon
Honest to fucking Christ the easiest way to get a married woman in the mood is clean the house and do the laundry.....I've been with the same girl almost 17 years, ask me how I know. - quasi
| |
| | |
07-07-2025, 12:19 PM
|
#26758 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 31,314
Thanked 13,082 Times in 5,403 Posts
Failed 511 Times in 339 Posts
|
Poor! Deport!  | |
| | |
07-07-2025, 12:38 PM
|
#26759 | | Rumors of my demise have been greatly exaggerated
Join Date: Apr 2001 Location: Vancouver
Posts: 6,354
Thanked 707 Times in 344 Posts
Failed 485 Times in 123 Posts
| Quote:
Originally Posted by whitev70r Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. | I have like $100-$200 available usually. Zero investments. I own two cars and some furniture.
Recently built an AI-powered app that makes me $1000 USD for a day's work putting together ad packages for my client with my app and the AI, but I'm improving it at all times so it takes less work and clicks to make that money with.
If I can get back on my feet and have a running vehicle again, really want to see if I can build a smart wrench prototype somehow.
__________________
Currently in exile
4th novel coming out soon
Might move back to Vancouver
| |
| | |
07-07-2025, 12:53 PM
|
#26760 | | I answer every Emotion with an emoticon
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,593
Thanked 7,358 Times in 3,002 Posts
Failed 257 Times in 143 Posts
|
Isn't the general rule of thumb somewhere between 3 - 6 months' worth of your expenses?
Admittedly, my cash reserves have dwindled down to the 2 - 3 months marks after the multiple rounds of major & bigger home repairs that took place, and with my cash flow being pretty poor also, it's gonna take time to build the reserves back into the healthier end.
For now, the back up plan is a LoC. Obviously that is not good, and I hope I'd never have to tap into that. Quote:
Originally Posted by whitev70r Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. |
__________________ Quote:
Originally Posted by westopher The whole world has gone down a road no one can recover from, and it's nothing to do with governments, it's because so much of the general public is so fucking stupid. | | |
| | |
07-07-2025, 01:00 PM
|
#26761 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,211
Thanked 15,944 Times in 6,486 Posts
Failed 2,158 Times in 740 Posts
|
If you have say, managed investments
What’s the turn around time to pull out from TFSA’s?
__________________
Dank memes cant melt steel beams
| |
| | |
07-07-2025, 01:01 PM
|
#26762 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 31,314
Thanked 13,082 Times in 5,403 Posts
Failed 511 Times in 339 Posts
|
Mods - Please change this forum name to brokescene.net
Ok, in all seriousness, my post was meant to be sarcastic and a play on Hondaracer's love of Hungary's policy on homelessness and how it's assumed everyone on here's household income is $250K (which is probably a lot higher now.)
Happy posting!
Last edited by bcrdukes; 07-07-2025 at 01:05 PM.
Reason: Typo
| |
| | |
07-07-2025, 01:08 PM
|
#26763 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 18,109
Thanked 19,425 Times in 6,584 Posts
Failed 311 Times in 205 Posts
| Quote:
Originally Posted by Hondaracer If you have say, managed investments
What’s the turn around time to pull out from TFSA’s? | TFSA is just a stamp applied to the money/investment seed money… so it totally depends what you’re invested in? Could be as simple as selling stocks and moving the balance out but if you’re in a timed investment of some sort then you’re at the mercy of that.
| |
| | |
07-07-2025, 01:13 PM
|
#26764 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,091
Thanked 2,796 Times in 1,090 Posts
Failed 256 Times in 73 Posts
|
I do 1-2 months then LOC for emergencies.
__________________
2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
| |
| | |
07-07-2025, 01:26 PM
|
#26765 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2002 Location: Vancouver
Posts: 10,515
Thanked 3,617 Times in 1,408 Posts
Failed 142 Times in 70 Posts
| Quote:
Originally Posted by Badhobz enough to buy a birkin or kelly in case of emergencies (they just randomly tell you that your shit is in, no warning and youre out 30-100k depending on which one of your "wishlist" items comes in). | YOUR bank account, not the spy's!
__________________
Do Not Put Aftershave on Your Balls. -604CEFIRO
Looks like I'm gonna have some hot sex again tonight...OOPS i got the 6 pack. that wont last me the night, I better go back and get the 24 pack! -Turbo E
kinda off topic but obama is a dilf - miss_crayon
Honest to fucking Christ the easiest way to get a married woman in the mood is clean the house and do the laundry.....I've been with the same girl almost 17 years, ask me how I know. - quasi
| |
| | |
07-07-2025, 01:27 PM
|
#26766 | | OMGWTFBBQ is a common word I say everyday
Join Date: Mar 2006 Location: Vancouver
Posts: 5,102
Thanked 3,788 Times in 1,774 Posts
Failed 68 Times in 42 Posts
|
I don't see a huge reason for keeping a large cash reserve on hand. We are all old enough to have a sizable LOC or even a HELOC to pull money out of. Sitting money is either not making you any money, or you could be paying down debts.
| |
| | |
07-07-2025, 02:47 PM
|
#26767 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 11,525
Thanked 13,357 Times in 4,856 Posts
Failed 519 Times in 276 Posts
| Quote:
Originally Posted by Gumby YOUR bank account, not the spy's! | I got -20 dollars. She took it all. I make the money and she takes it all and gives me back a lousy allowance. Quote:
Originally Posted by EvoFire I don't see a huge reason for keeping a large cash reserve on hand. We are all old enough to have a sizable LOC or even a HELOC to pull money out of. Sitting money is either not making you any money, or you could be paying down debts. | Only a broke ass schmoe would say shit like this you indentured house slave !!! You’re not on hehes level unless you can throw 50k in a single envelope and drop it like it’s….. hoe?
__________________
Geriatric Motoring Crub Member #444 | |
| | |
07-07-2025, 03:05 PM
|
#26768 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Nov 2002 Location: 604
Posts: 9,065
Thanked 5,166 Times in 2,483 Posts
Failed 306 Times in 149 Posts
|
$$ in my TfSA takes about 1-2 working days to confirm the transaction. Once it is confirmed, then I can transfer to my bank account which takes another 2 days so prob 4 in total at the minimum.
Yes, we all have some sort of credit card max or LoC which prob covers most 'emergencies'. But if I got myself into some $$ trouble that I can't wait 4 days, then I might be in some real deep gambling addiction or I might need help from some RS balling friends.
__________________
immortalized in bcrdukes signature
| |
| | |
07-07-2025, 04:11 PM
|
#26769 | | Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011 Location: North vancouver
Posts: 13,641
Thanked 34,298 Times in 8,171 Posts
Failed 230 Times in 178 Posts
| Quote:
Originally Posted by whitev70r Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. | Keep a float of about 10-15k in our chequing and then another 10 in an interest chequing account.
Have access to another 40ish in unsecured LOC. Really not enough to be comfortable though considering monthly expenses. Another 10 and I’d feel good.
__________________
98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | | |
| | |
07-07-2025, 04:55 PM
|
#26770 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,091
Thanked 2,796 Times in 1,090 Posts
Failed 256 Times in 73 Posts
|
Those with $10-25K in CHQ, can't you withdraw from your $xxx,xxx investment accounts too if worst comes to worse.
With that nest egg, I wouldn't worry much
__________________
2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
| |
| | |
07-07-2025, 05:33 PM
|
#26771 | | Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011 Location: North vancouver
Posts: 13,641
Thanked 34,298 Times in 8,171 Posts
Failed 230 Times in 178 Posts
|
Most of my investments are RRSPs and such so I’d get buttfucked if I took any money out.
__________________
98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | | |
| | |
07-07-2025, 09:01 PM
|
#26772 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 17,303
Thanked 10,080 Times in 4,393 Posts
Failed 435 Times in 233 Posts
| Quote:
Originally Posted by EvoFire I don't see a huge reason for keeping a large cash reserve on hand. We are all old enough to have a sizable LOC or even a HELOC to pull money out of. Sitting money is either not making you any money, or you could be paying down debts. | That's what I do, my account fluctuates between 1k and 10k but the amount available in the HELOC is quite large and I can pull from that any time if anything happens. The way I look at it the amount I'd pay in interest on brief use of it is less than what I'd be effectively "paying" by having more cash sitting there not gaining any interest.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
| | |
07-07-2025, 09:21 PM
|
#26773 | | I *heart* Revscene.net very Muchie
Join Date: Mar 2011 Location: Vancouver
Posts: 3,911
Thanked 4,210 Times in 1,716 Posts
Failed 84 Times in 42 Posts
|
I don't keep an emergency fund anymore but I do keep around 40k cash float that's roughly split 50-50 between my chequing account and a number of savings accounts (used to hold funds for property taxes, vacation, and any large 1 time recurring bills). After that I have enough cash equivalents in my investments accounts to cover anything that might come up.
I'm of the opinion that if you've got a fairly sizeable non-RRSP portfolio that you don't need an emergency fund unless you're in pure equities. Selling off stuff like gold or bonds to cover an emergency is NBD.
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
| |
| | |
07-07-2025, 11:07 PM
|
#26774 | | I subscribe to Revscene
Join Date: Nov 2005 Location: bc
Posts: 1,939
Thanked 1,920 Times in 532 Posts
Failed 11 Times in 11 Posts
|
i just keep 3-5k in my account for whatever, everything else is invested.
any legitimate emergency will allow you at least a couple days to get your money straight.
and tbh if you need that money right now RIGHT NOW bad enough then you can pull from loc or cc.
__________________
what 7 you say?!
| |
| | |
07-08-2025, 06:52 AM
|
#26775 | | It's like going crazy when you're already nuts
Join Date: Aug 2005
Posts: 5,970
Thanked 3,195 Times in 830 Posts
Failed 90 Times in 38 Posts
|  
White XC90 Plate # PF988V
LG fob bitch keyed my car! Even came back to the scene of the crime to pat herself on the back and document her shitty behaviour.  | |
| | | |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off
| | |
All times are GMT -8. The time now is 04:40 PM.
|
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
The banners on the left side and below do not show for registered users!
