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  1. M

    Transfer Value decimated

    In hindsight we could've both refused to attest to vaccination and we would've got a nice chunk of change as we would've been out beginning of the year. So I guess we did had an option, albeit not known at that time :(
  2. M

    Transfer Value decimated

    Oh I absolutely realise that. I'm not insane to leave my pension to get 1500 + whatever index it is in 25 years from now. I'm just crushed that I saved about 40k in RRSP space thinking I'd cash out about 150k and now it's down to 25k. Problem is as time goes by, it can reach 0 at which point...
  3. M

    Transfer Value decimated

    How does pension buy back works? I take the TV now, and lets say I go crazy again and re-join in 5 years. I heard you have to option to pay like a few hundred bucks out of your pay for the next ?decades? to get back all your pension just like you wouldn't have taken the TV? Any difference...
  4. M

    Transfer Value decimated

    Never said it's a ripoff. I initially thought it's based on investments and I thought maybe they invested heavily into tech since that's the one that dropped the most.
  5. M

    Transfer Value decimated

    wow ok. So expect to receive even less than half, maybe 1/3 if the rates will be going up another 2% as expected. What a kick in the teeth. And there's no way to retrieve the TV after more than 1 year? If I don't get it then, I'm forced to go for pension which I have to wait until I'm 60?
  6. M

    Transfer Value decimated

    I assume everyone else's TV has been decimated since Jan/Feb? I regularly checked it and it peaked at over 300k. Since then it has been dropping and I checked today, and it's down to pretty much half. I have no idea what these guys invest the TV in, but no market has dropped close to 50%. SP500...
  7. M

    All things Novel Coronavirus (2019-nCoV)

    This happened in many many countries. The fear porn was real. We'll see how it will be in the fall and if the war will be done by then so that everyone will be glued back to the tv screens and fear for their lives.
  8. M

    Ukraine - Superthread

    Biden welcomes you
  9. M

    Ukraine - Superthread

    Don't they need the equipment to connect to starlink? Did they already had it? I doubt it since starlink wasn't available there. Are they going to parachute the equipment? Isn't the vodka already paid for though? Makes sense to stop all imports, but the vodka which is already in NA makes no...
  10. M

    Ukraine - Superthread

    Oh look, private plane from Nice, Cote d'Azur to Moscow. San Marino registered plane.
  11. M

    Ukraine - Superthread

    Everybody knows it's all about APM
  12. M

    Ukraine - Superthread

    https://www.cbc.ca/news/world/russia-protest-arrests-1.6362938 Putin does not have his population backing.
  13. M

    Ukraine - Superthread

    The SU 27 had a technical problem so it entered Romanian airspace. Current situation
  14. M

    Ukraine - Superthread

    I'm watching a bunch of cameras from Ukraine. I don't see anything unusual. This includes Odessa and Kiev. https://www.webcamtaxi.com/en/ukraine/odessa/chernyakhovskoho-street.html
  15. M

    Mapped: Corruption in Countries Around the World

    Canada's is really good fighting money enforcement with truckers. Real estate on the other hand, impossible I tell you!
  16. M

    All things Novel Coronavirus (2019-nCoV)

    Meanwhile the mandates do fuck all to prevent spread, which was the whole point of the mandates to start with. Clown world. Can't wait for someone to come in and say "bUt vAcCiNeS wErE nEvEr mEaNt tO pReVenT tRaNsMiSsIoN". They absolutely were and it was the whole matra from beginning until...
  17. M

    When to expect T4s

    The fact we are one of the only countries in the world (with US) that we must do taxes and pay for it (or waste a lot of time doing it ourselves) when CRA has software that can do everything from all the slips they receive is retarded.
  18. M

    Pay Raise 2021

    Convenient for the state in terms of taxes... Guess I'll have to use up some of my RRSP to pull myself down under the 26% tax.
  19. M

    Pay Raise 2021

    Is this done through the OR? And I'm confused by "won't be reassessed" but "treated differently". So what exactly changes? Will the taxable income be less for 2021 and account for 2018-2020 back pay? Isn't this a "reassessment" though? And if I pursue this, I cannot file my taxes using a tax...
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