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Originally Posted by Agamemnon
So your advice is 'what you're doing is wrong'. Where are your alternatives? Where are the counter-points? I'm having a hard time figuring out what you're doing in this thread.
Do you have advice on how/where to invest? Points to make about HE-LOC vs. Mortgage? Tax/Accounting issues? Specific reasons as to why RRSP's are a mistake (beyond badly mistaking your one 'fact' on RRSP returns)? Otherwise, thanks for nothing. This thread is mostly about trying to get people to contribute knowledge, if you've got any share it, if not... well, this seems to be where you are right now.
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Maybe there is no alternative? Do you think that 'easy money' must exist?
My advise was to not borrow money to spend on a car and home renos. I'd keep my debt to a minimum and save cash for those things and buy them for cash, like anyone should. But what do I know?