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Oh man. This thread is giving me regrets! My brother and I had lots of toys growing up but we always gave them away to the neighbours as we outgrew them. We did keep or original nintendo system for quite a while but then gave that away too. I sometimes miss my G.I. Joes and hockey cards. All...

Right. When employees behave like this managers just tend to forget that the information is available. Then they develop other methods of getting the info they need to make decisions. They just work around you. It can only hurt, in the end. My guess is that the employee mentioned in the...

Hey TromboneAl, you may find this series of articles by Eric Cressey and Mike Robertson interesting. T NATION | Neanderthal No More - Part 4 Its a four part series on T-nation, the link is to part IV. Part IV also contains links to the first three parts. It is important to note that they...

Hello Nuiloa, I'm guessing the pension is a defined benefits pension plan. If so, you are in a sense already contributing to an RRSP. Your pension contributions are adjusted from your income and reduce your taxable income. Also, those contributions reduce the amount of RRSP "room" you receive...

The point, I guess, is to reconcile Warren's data with our experiences. I know I'm having a hard time doing it. If we can't reconcile the two, I don't really see how we can make progress on the problem of the shrinking middle class. Or, is it even a problem? The way I see it, Politics are...

I'm starting to think my family was working class poor rather than middle class. Could be.

I guess I cant really define the typical canadian middle class lifestyle of the 50-70s I can only base my perception on the experience of my parents and their cousins. So your point is understood. Do you think your father could support the same lifestyle today in the same profession? Would he...

I am not an American, so I cannot really comment on the squeeze of the American middle class. However, I guess I can say something about the Canadian middle class. The way I see it, today's middle class just has more options available (or become more consumerist depending on how you look at it)...

Hi growing_older. You have indicated that the solution you implemented in the past involved overtime (presumably when the production line is down?) To avoid uncompensated overtime you have withheld this information. People are just focusing on this part - you withheld information. I personally...

Maybe he took this thread to heart? Hope everything is well, and that life after er.org is awesome.

Hi Nords, is it on the ERE blog? I can't seem to find it there. Thanks.

If one wants to play online, then the XBOX is the way to go. Pretty impressive online play system. One thing to note, however, is that xbox live (the online play system) is subscription based. I think it is 80 bucks a year or so. So, that is something to consider. PS3 and XBOX are pretty...

I'm with you on this, Ha. I just cannot read the paper in my own home. It either has to be in a coffee shop or over breakfast in a diner.

HAHA! I did the same thing! REWahoo, great job. I was always curious as to how it all started. Also, the links provided much needed entertainment. I needed that!

Haha! Took me a while to get this joke! Was thinking: "...but she doesn't work for the gov....oh, I get it!"

Hey Koogie, this year I opened a Self-Directed RSP with TD to buy e-series funds. But I found out that they charge an annual fee for this account. In order for them to waive this annual fee, I need an "e-series" account. I'm in the process of converting the SDRSP account to an e-series account...

Yes, that is the bank I was talking about. Their e-series funds are becoming more popular as more and more pf bloggers recommend them. What is sad is that the bank itself does not even recommend them. If it weren't for the recent boom in canadian personal finance blogs, many people would not...

Also, the dividend portfolio is still very popular in Canada. I believe this is the case because: 1. Mutual funds are still very expensive in Canada. MERs of 2-2.5% are common. Only one family of funds, that I know of, has MERs under .5% and they are poorly advertised. The Bank that runs them...

I think this type of portfolio is much easier to set up in Canada. Henderson picked 7 stocks from four sectors: rail; oil and gas, hydro, and financials. There isn't really a lot of competition in these sectors in Canada. So, I could see how their returns would be pretty stable. I don't know...

You're welcome, youbet! This has been an interesting thread. After thinking about it, I think my expenses may be a little higher than 3100 as I have a few things automatically deducted from my pay. The deductions are: a monthly bus pass, a small "death benefit", a dental insurance premium, and...

Yes, my source of funds is ordinary earned income. As a single who is under 65, and in my province, I would need about 49K pre-tax to earn 37 net. Right now I earn more than 49k. I just did not include my savings as an "expense." edit- if you are curious about Canadian taxes, you could check...

I live on about 3100 a month or 37K a year. That is with 1520 a month (18K/yr) going to PITI. Points of clarification: - I'm single - have a small freehold townhouse - have 10 years until the mortgage is paid off. - I have no car - Do not have to pay for health insurance premiums (I'm in...

Too bad, sounds like a great job!

Talk about a cover story. That is awesome. I'm gonna use this should I ever luck out! :coolsmiley:

As an employee of the Canadian federal government my pension would be indexed to CPI.