Archive of ‘Just saying…’ category

Why the Home Buyers Plan needs an overhaul.

With news outlets recently reporting that the Toronto Land Transfer tax – introduced in 2008 by then-mayor David Miller – might be on the chopping block, it got me thinking. To begin, if this ridiculous tax is removed, I’ll be pissed if they don’t grandfather it. I happened to be one of the individuals who bought a house in Toronto in 2009 and let me tell you, I got hammered by land transfer fees….to the tune of $10,000+. To me, this is a LOT of money.

Of course, I realize that the reality of this happening (the grandfathering, that is) is pretty much nil. We are talking about politicians here and my hard-earned-taxed-to-fucking-death-dollar is too busy paying for their frivolous ways to be returned to my wallet.

So, that got me spinning on another related topic that has always been a hornet’s nest for me: The Home Buyers Plan (HBP). What a ridiculous sham this is. In case you don’t know what the HBP is, it allows first-time home buyers to withdraw up to $25,000 in a calendar year to put toward the down-payment of a house. The beauty of it is, you have 15 years to repay it back into your RRSP before you get crucified with taxes.


Strong and free….and you’re a fool to think otherwise.

Let me start this by saying the following: this entry is not intended to piss off my American friends. I know many American citizens who are beyond AWESOME as far as people go. However….it’s come to the point where I have to say this and I don’t give a flying shit what you think.

I’m f*cking pissed right off. The arrogance of some Americans on Twitter and Facebook and other social media outlets is beyond infuriating. Yes, you won a hockey game against us: a useless preliminary game that means nothing in the grande scheme of things. Let me gently remind you that it’s the first time in 50 years of mens hockey in the Olympics that you did. Stop being such dicks about it. And please, don’t put your media bullshit out there about being “shocked” at the patriotism shown by Canadians during these Olympic games. Give me a f*cking break.

Here’s the reality. Canadians are a quiet group – well….compared to you – our neighbours to the south. No, we don’t rub our patriotism into everyone’s faces. Yes, we think we are the greatest country in the world (we know it), but we don’t go around pushing that belief onto the rest of the world. Not all Americans are ignorant, but alas – there are many of you who are. You are governed within a one-way mirrored glass house in which you can’t see out – but we can all see in. It’s unfortunate, but it’s the truth. Much like Hussein ruled his country in a restrictive manner – disallowing any of the citizens to know and understand the truth, so are the Americans ruled, to the point that your news outlets have garnered nicknames like Faux News (rather than Fox), etc. While the rest of the world sits back and watches this circus, many of you live inside this bubble without ever really understanding what’s outside of it, and only being taught that it doesn’t matter. Mind you, NOT all you Americans are like this – many grasp this reality I speak of. But for the most part, many of you live a life comparable to The Truman Show. No. Alaska is NOT an island – it is, in fact, attached to Canada . But because your schooling, media and weather reports, etc. completely erase Canada from the map,…..well, I suppose it just might resemble an island.