i was able to confirm that the math i posted this morning is correct. so i need to get $3200 in the account before dec 31st and i need to get the transfer process in motion asap. i appear to have to do it by phone because there is no branch location for the brokerage and the online application doesn't have information about the rdsp, but i wasn't able to get through this afternoon. i sat on hold for two hours before the line accidentally disconnected, and when i called back it said they were closed. i'll need to call early on monday morning.

i took my rodent trap out this afternoon when they came to install the fan and it looks like something got caught and gnawed itself right through it. i put a few more out to see what happens, but i may have to rethink this.

the fan itself might scare them a little, but it's probably not a long term answer.

i must finish the legal writing this weekend because i'm running out of time. i'll post another update post and get back to the apartment writeups after i do that.

this has been a major concern since this mess started, as it is well understood that ukraine is full of russian spies and that, in the long run, the premise that kiev is going to tilt to berlin rather than moscow is laughable.

giving any sort of privileged information to ukraine is just handing it over to russia and, while i am not afraid of the russians and understand that we need to treat them as allies instead of as enemies if we want to succeed in containing the chinese and the arabs, who are the true threats to western culture, that's still not a good idea, in the short run.

https://www.cbc.ca/news/politics/military-intelligence-ukraine-canada-charges-9.7022067

something i need to do next though is apply to wipe out my remaining student loan using the dtc i was just approved for. i should have done that years ago, but it would have required me to get a doctor to sign off on being "severely, permanently disabled", which was harder to do before they set up the cdb. i couldn't bring myself to do it. so i just let it sit. nowadays, doctor are doing it so people can get the money. the threshold has fallen.

it's already been done.

i really just need to get a doctor to sign the paperwork, and the remaining $11000 in collections is cancelled.

even if i can't, that should be a minor concern, with all of this grant money, eventually. it's s hiccup, now, and not a block.

and that should get my credit score up a little without having to get a fucking credit card, which i don't want. i'd rather get a small line of credit, but if i don't need one, and i don't, then i don't want one.

i've seen some fairly creepy pictures of bill gates and bill clinton, but nothing that incriminates donald trump, or any republican.

chuck schumer is a complete fucking idiot.

somewhere, the pantheistic universe is petting a creepy feline, smashing it's fist on the nearest object and screaming at the wall,

i'll get you next time, jessica!

but it won't.

it never will.

things tend to work out for me.

am i rich all of a sudden?

no.

however, if i do this right, i should be able to take the money from the rdsp, the chb and the cdb and pool it together to buy a house shortly before or right after i turn 60. if i'm able to stay where i am for a while, i should be able to put quite a bit aside for that purpose. i'm not sure exactly how much to expect from the cohb yet, or if it backdates, but if it's over $400/month, it could make sense for me to just take the money they give me for subsidized housing and put it directly in the rdsp, until 2029, to eventually use it to buy a house with. i should be able to eat with the money from odsp. that gives me the $200+/month cdb to spend on things and go out with, which functionally doubles for the summer months, as i don't go out much over the winter. i might also find myself getting tax refunds for the first time since i signed up for odsp, because i still have $120K in education carryover amounts. for that reason, it might actually make more sense for me to pay taxes on taking the money out of the rdsp in 2040 and put it right int the tfsa to get the subsequent tax refunds on the unused tuition amounts than it does for me to carefully take it out in bits under the tax threshold, because the cra will just send me back the amount it takes out in taxes, anyways. i'll need to double check that.

all of this together should let me put something like $150K, minimum, into a mortgage. i don't need or want a fancy, rich person house in the suburbs. i'm in great health. so i'm happy to get a small, working class house in a working class neighbourhood for under $250K and i actually think prices are going to crash if i wait it out another 5-10 years. i should be able to pay essentially all of this down with the grants and bonds in the rdsp, and the interest generated from it.

if i wait until the cohb runs out and in the end use it to buy, and i'm paying almost nothing on rent when i do because my mortgage is almost paid down, and i use whatever is left in the rdsp to pay the rest down after 2040, the $1500+ in odsp i get for the remaining years, followed by the $2000+ in oas/gis/gains after that, which is more than odsp, should be enough for me to live fairly well. if i have no rent and no mortgage, and no taxes, $25000/yr is really fairly cushy. i don't travel, and at some point (which may have already passed), i'll be too told to go out. i haven't gone anywhere in years, as it is, due to circumstances. i'm realizing the culture is changing and i'm not so interested in what the kids are listening to anymore. i'll just want to spend that on working on my art, and staying in shape. i could build a kick ass studio in a paid for little house with $20,000/year and if i can stay in shape and keep my brain working well because i'm working on finishing the art i could live until i'm 95.

at some point, when i'm doddering and teetering, or in a wheelchair and can't go on, i'll sell the house and move into an apartment.

not rich - no. but comfortable.

i saw myself at the precipice, on the brink of disaster, and walked away from it. it's due to no fault of my own, but capitalism is a fucking shitty system to navigate through and it can shoot you in the face if you're not careful, and i need to adjust to make sure that doesn't happen again.

i'm going to get through this. i'm going to survive. i'm going to be ok.

i think my math for the max contributions to the rdsp was flawed. i'm getting conflicting information. i'm going to call a different umber in the morning, and begin the transfer process right way.

as i filed in 2025, i can carryover funds back to 2015, but that's apparently not really true. i understand that they'll match the 3x contributions first and the 2x contributions second but initially assumed the algorithm was smart and they'd either carryover the 2x contributions until they get used or let me match the 2015 contributions first, then the 3x and then the 2x so that i can actually carryover the 2x from 2015. if that were the case, as i initially thought, my max contribution for 2025 would be either:

$3500 for 2015-2021, with a $10500 grant and the ability to pick the 2x for 2015 back up when the 3x runs out (that would be smartest), or;

$1500 (for 2015), with a $3500 grant, plus $500/yr for the next 7000/3 dollars, which is 2333.33, which is five years and a bit. that would $3833.33 total for 2025. under this scenario, because it's the end of the year, if i just wanted to make sure i didn't miss out on 2015, i'd just get the $1500 in as a first priority.

however, i'm realizing that what it's going to do is force me to use the $3500 for 2015-2021 and just drop the 2x for 2015 and there's no way to actually access it. as a corollary, that means i'd better get the 2x for 2016 in over 2026 or i'll lose it, too.

the new max contribution for 2025 remains $3500 and the new max contribution for 2026 becomes $500*5, for 2022-2026, plus 3000/2 is $1500, but that is $1000 from 2016 and 500 for 2017.

after that, it would continually take $500 from the current year at $1500 and then 9000/2 from subsequent years, until i'm caught up. that would mean i'd max out at $5000/yr until i run out. 

for 2027, the first $500 would be for 2017 and the next $4000 would be for 2018, 2019, 2020 and 2021.

for 2028, the first $4000 would be for 2022, 2023, 2024 and 2025 and the next $500 would be for 2026.

for 2029, the first $500 would be for 2026 and the next $3000 would be for 2027, 2028, 2029. so max contributions would be decreased to $3500 + $500 and max payout would be at $7000+ $1500 = $8500.

for 2030, max contributions would be $1500 at $4500.

i would consequently cash out at 10500*4 + 1500 + 7000 + 4500 = 55000 and would have some room to catch up if i miss maxing out after 2027. with the bonds, total payout is $71000.

however, i don't have $3500 and it doesn't look like i'm going to get it. i have $3375. however, i have $110 coming in on jan 5, $75 on jan 10 and $200 on jan 15th, in addition to the $408 on jan 31st and some unclear amount for the cohb in late january or early february.

i was thinking about going to money mart and taking a small loan for the remaining $125, but i'm deciding that doesn't make sense.

instead, i'm going to just put $3200 in for 2025 now and the other $300 in early in the year. the difference would be a few days of interest.

i can still max out 2026 by adding $300 (for 2021 )plus $2500 (for 2022, 23, 24, 25, 26) plus (10500 - 2800*3)/2 = 1050 (for 2016, 2017) to max out at 2800*3 + 1050*2 = 10500. that would be 3850.

i would then max out 2027 by adding $950 for 2017, $3000 for 2018,19,20 and $550 for 2021.

i would max out 2028 by adding $450 for 2021, $4000 for 2022, 2023, 2024, 2025 and $50 for 2026.

i would max out 2029 by adding $950 for 2026 and $3000 for 2027, 2028, 2029, for $3950.

2030 would still be $1500 to max out.

that would still be a total of 3200*3 + 10500*3 + 1500 + 3950*2 + 4500 = $55000.

(i fell asleep at around 5:00 this morning and woke up around 11:30)

the esdc will send me something at the start of the year to verify, but i want to put that aside, as i'm pretty sure it's correct. today, i want to call esdc to verify, then call national bank to start the transfer process.

maybe i've just been brainwashed by phil collins.

no scratching, tonight.

i have somebody coming to installing venting today. we'll see what happened when they open the hole back up.