Comments for Canadian Personal Finance Blog 
Comment on RDSP after DTC Lost by bigcajunman
In reply to <a href="https://www.canajunfinances.com/2020/12/02/rdsp-after-dtc-lost/#comment-130219">Edna</a>. Why is he losing the DTC? You can reapply, and they will most likely give him another 5 years of DTC. The RDSP account remains in tact if the DTC is lost. No Bonds or Grants will be paid to it, and you can’t deposit into it, but it is all still there. If he gets the DTC back the RDSP is then “back in business”.
Thank you for the article. My autistic may lose his dtc next year. He is 10. Can you explain what would be the best steps to support him in not loosing money? If I understand correctly the rdsp account will have to pay back grants and bonds. I imagine that capital gains will apply too. What would happen to our contributions? Can the rdsp contributions be deferred to an resp? Thank you for your time.
Comment on When Did You Die? by Tax Man Cometh
Great! So now I not only have to plan my investments and funeral — I need to plan the <em>exact minute I die</em> to keep the CRA happy? Should I set a reminder in my calendar for 11:59 PM, December 31st with a note: “Don't die a minute late”? Maybe sync it with my estate planner and the Grim Reaper. And here I thought retirement planning was stressful enough.
Comment on Curing Autism by Vaccine Skeptic
But can you be sure that vaccines didn't cause all this?
Comment on Happy 20th Anniversary by Wistful Wanda
How do you keep doing this for 20 years? Don't you ever just want to give up on the whole thing?
Comment on Public Pensions (redux) by TrueNorthTim
That’s cute. Thanks for the input, but we’re good up here, thanks. Maybe sort out your healthcare system and student debt crisis before handing out retirement advice? Stay in your lane, neighbour
Comment on Public Pensions (redux) by LibertyEagle49 (USA)
It’s wild how Canada’s still holding onto defined benefit pensions. Down here, Trump talked about letting Americans have more personal control over their retirement accounts—401(k)s, IRAs, all that good stuff. Employers are backing off pensions and pushing personal responsibility, which I think is smart. Less government, more choice! Surprised Canada hasn’t followed suit yet.
Comment on When Did You Die? by bigcajunman
In reply to <a href="https://www.canajunfinances.com/2025/06/04/when-did-you-die/#comment-130172">Sunset Planner</a>. Depending on when you pass can add at least a year to the paperwork and closure of the estate, as I mentioned above.
Comment on When Did You Die? by Sunset Planner
This is fascinating — and oddly reassuring that there’s some predictability even in death. Planning your passing like you’re booking a tax appointment… it sounds morbid, but maybe it’s smart? I’m curious though — how often do these few minutes actually affect the estate timeline? It feels a bit bureaucratic, but if it saves a year of CRA chaos, maybe it’s worth thinking about? Also: mad respect to that doctor pulling New Year’s Eve duty every year. Now that’s estate planning dedication.
Comment on Public Pensions (redux) by Out In The Oil Patch Folk
This all sounds nice for folks in Ontario or Ottawa, but out here in Alberta we’re tired of sending our money east. Why should we rely on CPP when we can run our own pension plan—one that reflects Alberta values and priorities? Time to go it alone and get what we’re owed!
Comment on When Did You Die? by bigcajunman
In reply to <a href="https://www.canajunfinances.com/2025/06/04/when-did-you-die/#comment-130168">Denis Brisson</a>. My mother was paying month-to-month at her residence, so we got a refund and they had her room "booked" within the month. Yes, Blunt Bean Counter wrote a great article about WARNING your executor/liquidator what their duties might entail. Good times. #Estates
Comment on When Did You Die? by Denis Brisson
Yup... My dad passed on the last day of March this year, so we have to wait until 2027 to do his final return which will be minimal, income for 3 months, meds for 3 months, house taxes for 3 months, while we deal with the rest of it... My sister is less and less enthused about being the executor! No one tells you any of the shit you have to deal with. His lawyer is in one city, where he will be buried beside my mother, but he died in a different city where he was living in a nursing home. I wish we could recoup some money through taxes for his living in a nursing home. That was almost $37k for one year! Okay, it wasn't quite the full year, but close.
Comment on Are We Running Out of Social Insurance Number (s) ? by Tyler Poirier
In reply to <a href="https://www.canajunfinances.com/2014/04/15/are-we-running-out-of-sin/#comment-127381">bigcajunman</a>. Okay so I’m even later and my math isn’t perfect but here’s what I got. There are 1 billion possible 9 digit numbers. However as for valid,unused, sin numbers? Theres first the issue of the luhn algorithm. The luhn algorithm generally drops a check digit leaving a payload. Sin numbers technically don’t. Which means only 10% of the 1 billion 9 digit numbers satisfy the algorithm. Or 100million. Then there are 25 million SIN numbers already issued, and about 2500 luhn satisfying numbers that likely are too easy to guess to be used as real SIN numbers That leaves 74,997,500 valid SIN Numbers remaining. But it’s technically even less. Only about 65% of SIN numbers are actually for permanent residents or citizens, because sins starting with 8 & 0 aren’t valid, 9 is for temporary SINs, & 3 is also sometimes used for temporary residents. Leaving only about 48,748,375 numbers, the government issues new ones & replacement ones at a rate of about 1,502,500, about 500k of those temporary as far as I could find So with the aforementioned remaining left, not accounting for population growth. There’s about 50 years of social insurance numbers remaining. 45 if they keep dipping into 7 start SINs to bolster the small number of Businesses SINs that are issued (that’s where all the 8 starters are, & why they aren’t used for people) However not all that many things require a sin anymore, but used to, leading to hundreds of thousands or millions of SINs being leaked to scammers, hackers via ransomware, or the dark web, like how government legalized monopoly Nova Scotia power just was revealed to have 140000 SIN numbers from the old days when you needed one to get on the grid, that they never should have kept, that got stolen out from under their shitty cyber security and posted for sale AND sold on the dark web. Now not many people go ahead and replace them because that won’t save you from fraud or id theft anymore, but still those SINs probably are compromised permanently, as well as any replacements people get. So the question isn’t so much will we run out as - will the sin survive long enough as a secure identity number to run out of numbers in 2075?
Comment on What goes up… by Lando F.
I've never seen this TED speech before. Thanks for sharing. It's my hope to one day attend a TED convention.
Comment on Of Debts and Deficits by bigcajunman
In reply to <a href="https://www.canajunfinances.com/2010/05/12/of-debts-and-deficits/#comment-130157">DaveTheEconomyst</a>. Nice! Don’t forget to refer to your dog as ‘National Security’—can’t cut funding there. And if you skip paying the Visa bill this month, just say you’re increasing fiscal flexibility. Bonus points if you issue your own IOUs and call them bonds.