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    20000 Line of Credit at 7.70%

    @christian_follower Be careful, a personal LOC can be called at any time. If you stop making income because you’re in school, they may choose to drastically reduce / close the account, at which point it becomes due NOW. I’d still take it today — if you ever have a CC balance you need to carry...
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    Poverty rate declines in all age groups in Canada / Le taux de pauvreté diminue pour tous les groupes d’âge au Canada

    @tim617x “But I have 10mm VND in my wallet… doesn’t that make me a millionaire? I could easily go get another 50mm if needed….” Giving everyone thousands more, just makes the $1000 worth less. Like how $50s are the new $20s — wallets full of them and they disappear like nothing!
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    I’m 40, here’s where I’m at for retirement…

    @annointedgirl77 Yup. I’m with you! 10% older, 10% of the savings it feels like some days… only saving graces are my highest earning years are still ahead of me, working til 70 is possible, and probably won’t survive past 75 if family history tells me anything, so don’t need to fund that many...
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    Poverty rate declines in all age groups in Canada / Le taux de pauvreté diminue pour tous les groupes d’âge au Canada

    @nichola1970 Most likely yes. Does it help the recipients? Absolutely. UBI would allow for a few different things, likely income while attending school or eliminating child care costs and positions and shortages in available spaces. The reason though that it gets muddy to study over years, is...
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