What's going on at with the Knight Street water main project? Anything I need to know prior to my trip to Vancouver this weekend? :D

They're paving at this point.

The northbound direction has finished paving from roughly 63rd all the way up to 57th. The southbound lane hasn't seen any work done on it yet, and I have no idea whether any work is actually planned for that side.

there seems to be an issue where CRA and some places want to mandate but there just isn't any space.. anyone have that issue where there just aren't enough pods?

I see a bunch of openings in Vancouver, want a referral? At a glance, it spans SDE, SDET, and EPM.

Yep, my pal at Immigration Canada says they have half the number of desks they need so he's only able to do 2 days in office instead of the "required' 3.

Yeah I'd be interested, but I've had three referrals and except for one cup of coffee on the first one I haven't even gotten a response :alone:

https://www.facebook.com/share/16zV2dZ9ei/


Another good deal on an extractor.

We just donated a bunch of old baby stuff to Baby Go Round. If you guys have old baby equipment in good nick that you can't be bothered to sell, Baby Go Round cleans them up and helps families who are less fortunately with gear and equipment. One of their volunteers came around and picked up our old stroller, baby carrier, and a bunch of utensils.

https://babygoround.ca/

https://canadianportfoliomanagerblog...est-your-resp/
https://www.planeasy.ca/setting-the-...p-investments/

Came across a couple articles talking about asset allocation for your RESPs that were interesting to read as they show a much more conservative approach to investing than what I've been thinking and it's probably a reasonable take too since this is an investment that you'll be cashing out in its entirely in a 5 year span so once you're within 5-6 years of needing it you probably want everything in a pretty low risk portfolio (bonds and cash).

My RESP is with Wealthsimple and I've got the risk cranked to 10/10 at the moment but my kid is just 6 but that still probably means I should start dialling the risk down soon.

How are you guys doing with your RESPs?

11.2% gain overall. Had 3k sitting in cash for majority of the year because it took forever to move it to a place where I'm not stuck with mutual funds only.

i'm currently at a high risk portfolio for RESP since the kid is just 1. haven't really looked at it since i opened the account. i just make those monthly deposits and call it a day. I'll let it ride til i need the money in 18 years or so

If you can swing it the early years are a great time to front load the contributions while still getting max grant matching - I believe you can front load about $16k (assuming you are able to and plan to max out the contributions at $50k lifetime) and still get max grant matching. Do that and you can easily end up with a $100k+ RESP at age 18.

What are the benefits of making a large contribution at the start vs just keeping to 2500 a year and put that same money from the large contribution elsewhere like TFSA.

So up to $36k of contributions the advantage is with the RESP (over TFSA) because of the $500 in grants (don't forget to claim your BCTESG grant as well!) so the first 14.4 years of contributions work in the RESP's favour. If you then have TFSA space then the TFSA is better (as your child will have to pay a bit of taxes as they pull the money out of their RESP), once your TFSA space is gone then the RESP's last $14k of contribution space works out better.

The front loading thing is only valuable if you've already maxed out your TFSA for personal use (and not to fund your kid's education), you're looking for a tax shelter that beats an RRSP or a Non-Registered account, AND you're fine with giving your kid the money (technically you can get it back by charging them rent when they turn 18).

^ yeah i did that last month.
they really don't audit how you use the money as everything is sort of justifiy-able

Hey 64748734943 how's the kid doing? You liking fatherhood? :D

I have ZERO problem with father hood. Full disclosure. WE (husband and wife) chose this; so i never complain. I'm 45 and 41 and there's a huge benefit to that but also cons.

1) Older parents = money is not a tight. We are a bit more mature. If i was 20s I would have pieced out.
2) 2 things I can't stand. My status at home is zero. I am no longer a husband. All i am is a house worker.
Wife will forever kill themselves serving a child, while I might be the one who will let a child cry while I have to take care of dinner.
b) Wife is always right.. so eveything I do something, i get rejected / ko-ed that's not fun and never good for the marriage. We are seekign help and learning to find better ways to communicate.

3) social media. Yes i'm old, and I still have older relatives who is on FB and wife is zero tolenerance on having baby pics online. Gosh, if people are going to use my kid or steal their pic... who cares... just like people so scared of being tracked and dont' wnat to use gmail / whatsapp... FFS.. who cares.. we are being monitored daily already.

Kid is doing good. the whole breast feeding is fine now; took a solid 5 weeks to get kicking.. i much rather do formula... cause now.. everything i go anywhere, i can't be more than 2 hrs... cuase baby has to feed.

Adding this pic below.
I tell my wife to STFU. the kid is not hard ... we all grew up with nothing. YOU chose to be hard on yourself. eg// she won't drive anywhere cause she wnats someone to be beside the child in the car at all time.

https://media.licdn.com/dms/image/v2...JBLuzYsWl9KAbA

6793026,

I totally hear you because I have pretty much gone through the exact same thing as you had as well LOL~

At the time, le wifey also didn't like the grandparents kissing the baby on his face because of concerns about transmitting herpes, and she was strict about the grandparents washing their hands before carrying / touching the infant. My parents were a little annoyed, but my MIL was pretty upset about the rules. I just kept my mouth shut LOL~

For going out longer, have you tried brainwashing your wife into thinking breastfeeding outside of your home is perfectly acceptable? Some places have nursing rooms, and a lot of (most?) people I know have no problem with breastfeeding a baby as long as a breastfeeding cover is used.

Of course, your wife will need to have buy in on this, so you are not the one calling the shots here (LOL~). But I would say it is a perfectly viable solution to the breastfeeding thing.

wife is health care professional and same thing with herpes. It only happens if it's mouth to mouth. Cheeks is totally fine.

my wife breast feeds anywhere. But I'm not able to go on a car ride too long cause the baby might be uncomfortable. ANyhting over an hr is like death LOL.


Being in my 40s, seeing my wife being totally irrational on the baby upbringing is totally beyond me. There is only so much stimulation you can do. 90% of hte baby has enough stimulation... no we don't need to entertain the baby.. gosh.. she's only 4 mths old FFS

LOL. I wish you all the best; at least you won't have a midlife crisis because by the time you'll be able to take a breather when your kid is 6, you'll be in your 50s.

Glad that we had our babies in our early 30s. We were too poor and too naive about life.

My cousin is 20 and got married 23, both of them were front line peace officers. Kid the next year and now it's just fallen apart. Few years ago, they were still doing well and I remember telling / asking what would he have done... long story short.. to not get married this young.

Temptations are real. Failure in inevitable (whether its lost of job / death in family / tragedy / wedding getting tested).

I have no issues with having a kid. I just need my wife to be on the same page together. Yes sometimes I lose some sometimes I have to be on her side but for now, I don't see anything she's agreeing with me yet.

We also have 13 yr old nephew and 17 yr old niece. Gosh... I can alraedy tell the cell phone has made them fail in life / school. Niece is already at the stage of dating and (we are all guilty) going and above and beyond hiding from family etc. FOr the record, i'll never be on your side and will always give the guy a hard time LOL.. that's what uncle is suppose to do.

FOr the nephew... well kids nowadays have shit diet and shit attention span... good luck with that. We'll see how playing basketball in the big leagues in high school will do to you. Kids get humbled quick.

Pro life tip - if she's disagreeing/combative with you now when you're barely into your journey as parents, she will never agree with you about parenting when the stakes are higher.

I don’t agree with that at all. Your reactions to the disagreements and your handling of the parenting are going to be a big part of dictating whether you meet in the middle or keep drifting apart in terms of parenting.
You need to consider in the first months of parenting your partner is going through massive hormonal changes and could be dealing with postpartum depression.
If you think you’re that far off on the parenting from each other I strongly suggest you have a frank discussion about it or seek therapy before it strains the relationship beyond something that’s tolerable.

100% on the this ^^. It doesn't give a free pass to the wife on everything she is doing, esp when it comes to child rearing, but you gotta take it into account that she is going through a tremendous amount of changes that she may not have much control over.

It wasn't my wife, but I know someone whose mental state totally got thrown off as an after effect of giving birth. It was her first child, and she was just overly concerned about the well-being of the newborn that it threw her off her rails. If you think your wife has gotten into a similar situation, it would be a good idea to float the idea of counselling to her sooner rather than later.

If it is strictly a matter of different parenting beliefs, you'd want a frank discussion with her at a time when she is as well-rested and level headed as she can be.