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Originally Posted by Red
Don't put words in my mouth. I never said that 5% return was enough. I invest myself, I have two different programs and I average about 10% on one. The other one is a work thing so it's a little better because of the company contributions. But the main difference is that I invest my money and have virtually no debt (small mortgage left).
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Fair enough, thats fantastic for you. I don't see, though, how you having little debt means there is _any_ reason why I wouldn't borrow to invest in my RRSP's, deducting the interest from the loan. This is the 3rd time its been addressed to you.
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I am just trying to give you a different opinion on this. If you don't like it then move on, but don't try to insult me. After all, it's not me trying to catch up with basic life expenses.
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Are you serious? I just said that I'm a fresh-out-of-university worker who's just starting out in life. I'm not 'catching up with basic life expenses', I'm rolling in the money from my insanely well-timed investment. Who's putting words in who's mouth? You don't have a clue about my situation despite me posting it in entirety. You're speaking, but you're not listening.
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I am doing well enough to not need advise from a message board infested with young know-it-alls that live in dreamland on how to refinance a house so I can buy a car 
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The reason I posted this stuff is because I respect the people on this board, and have been frequenting it for years. Just because you don't trust their opinions or believe they're helpful doesn't mean jack to me. As far as I can see, you've posted _ZERO_ advice in this thread. You've said don't buy RRSP's, and don't borrow money. Your contribution to the discussion is a net-negative. Thats probably why I think your input is of no value.