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This blog is geared towards young adults, particularly young first and second generation immigrants like me who don’t have any real estate and assets inherited from their parents here in Canada and USA. In this blog, I will help answer the following questions below based on my own experience and extensive research:
I- What are some financial tips for middle class people? What is the best financial advice for middle age people?
II- How do I improve my personal finances?
III- What should I invest in as a 18-45 year old? How do I become financially stable in my 20’s?
IV- What is a financial rule you should never break? What personal finance mistakes should everyone avoid?
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V- How can you attain financial freedom by working 9 to 5 job?
VI- What is the best way to invest in real estate?
VII- Is it worth taking out a loan to pay for a house?
VIII- What are some rookie mistakes of first-time house buyers?
IX- What’s a realistic down payment percentage for a first-time home buyer?
X- Resources & Definitions:
1- Quora
2- CRA
3- What is RRSP: An RRSP is a retirement savings plan that you establish, that we register, and to which you or your spouse or common-law partner contribute. Deductible RRSP contributions can be used to reduce your tax. Any income you earn in the RRSP is usually exempt from tax as long as the funds remain in the plan; you generally have to pay tax when you receive payments from the plan. (Applies to USCanadaonly)
4- What is TFSA: The Tax-Free Savings Account (TFSA) program began in 2009. It is a way for individuals who are 18 and older and who have a valid social insurance number to set money aside tax-free throughout their lifetime. Contributions to a TFSA are not deductible for income tax purposes. Any amount contributed as well as any income earned in the account (for example, investment income and capital gains) is generally tax-free, even when it is withdrawn. Administrative or other fees in relation to TFSA and any interest or money borrowed to contribute to a TFSA are not deductible. (Applies to Canada only)
5- What is RESP: A registered education savings plan (RESP) is a contract between an individual (the subscriber) and a person or organization (the promoter). Under the contract, the subscriber names one or more beneficiaries (the future student(s)) and agrees to make contributions for them, and the promoter agrees to pay educational assistance payments (EAPs) to the beneficiaries. (Applies to Canada only)
There are two different types of RESP available: family plans and specified plans.
6- What is Roth IRA? A Roth IRA is an IRA that, except as explained below, is subject to the rules that apply to a traditional IRA. (Applies to USA only)
- You cannot deduct contributions to a Roth IRA.
- If you satisfy the requirements, qualified distributions are tax-free.
- You can make contributions to your Roth IRA after you reach age 70 ½.
- You can leave amounts in your Roth IRA as long as you live.
- The account or annuity must be designated as a Roth IRA when it is set up.
The same combined contribution limit applies to all of your Roth and traditional IRAs.
A traditional IRA is a way to save for retirement that gives you tax advantages (USA)
- Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances, and
- Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed.
7- 401K: A 401(k) is a feature of a qualified profit-sharing plan that allows employees to contribute a portion of their wages to individual accounts.
- Elective salary deferrals are excluded from the employee’s taxable income (except for designated Roth deferrals).
- Employers can contribute to employees’ accounts.
- Distributions, including earnings, are includible in taxable income at retirement (except for qualified distributions of designated Roth accounts).
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List of Freely available programming books - What is the single most influential book every Programmers should read
- Bjarne Stroustrup - The C++ Programming Language
- Brian W. Kernighan, Rob Pike - The Practice of Programming
- Donald Knuth - The Art of Computer Programming
- Ellen Ullman - Close to the Machine
- Ellis Horowitz - Fundamentals of Computer Algorithms
- Eric Raymond - The Art of Unix Programming
- Gerald M. Weinberg - The Psychology of Computer Programming
- James Gosling - The Java Programming Language
- Joel Spolsky - The Best Software Writing I
- Keith Curtis - After the Software Wars
- Richard M. Stallman - Free Software, Free Society
- Richard P. Gabriel - Patterns of Software
- Richard P. Gabriel - Innovation Happens Elsewhere
- Code Complete (2nd edition) by Steve McConnell
- The Pragmatic Programmer
- Structure and Interpretation of Computer Programs
- The C Programming Language by Kernighan and Ritchie
- Introduction to Algorithms by Cormen, Leiserson, Rivest & Stein
- Design Patterns by the Gang of Four
- Refactoring: Improving the Design of Existing Code
- The Mythical Man Month
- The Art of Computer Programming by Donald Knuth
- Compilers: Principles, Techniques and Tools by Alfred V. Aho, Ravi Sethi and Jeffrey D. Ullman
- Gödel, Escher, Bach by Douglas Hofstadter
- Clean Code: A Handbook of Agile Software Craftsmanship by Robert C. Martin
- Effective C++
- More Effective C++
- CODE by Charles Petzold
- Programming Pearls by Jon Bentley
- Working Effectively with Legacy Code by Michael C. Feathers
- Peopleware by Demarco and Lister
- Coders at Work by Peter Seibel
- Surely You're Joking, Mr. Feynman!
- Effective Java 2nd edition
- Patterns of Enterprise Application Architecture by Martin Fowler
- The Little Schemer
- The Seasoned Schemer
- Why's (Poignant) Guide to Ruby
- The Inmates Are Running The Asylum: Why High Tech Products Drive Us Crazy and How to Restore the Sanity
- The Art of Unix Programming
- Test-Driven Development: By Example by Kent Beck
- Practices of an Agile Developer
- Don't Make Me Think
- Agile Software Development, Principles, Patterns, and Practices by Robert C. Martin
- Domain Driven Designs by Eric Evans
- The Design of Everyday Things by Donald Norman
- Modern C++ Design by Andrei Alexandrescu
- Best Software Writing I by Joel Spolsky
- The Practice of Programming by Kernighan and Pike
- Pragmatic Thinking and Learning: Refactor Your Wetware by Andy Hunt
- Software Estimation: Demystifying the Black Art by Steve McConnel
- The Passionate Programmer (My Job Went To India) by Chad Fowler
- Hackers: Heroes of the Computer Revolution
- Algorithms + Data Structures = Programs
- Writing Solid Code
- JavaScript - The Good Parts
- Getting Real by 37 Signals
- Foundations of Programming by Karl Seguin
- Computer Graphics: Principles and Practice in C (2nd Edition)
- Thinking in Java by Bruce Eckel
- The Elements of Computing Systems
- Refactoring to Patterns by Joshua Kerievsky
- Modern Operating Systems by Andrew S. Tanenbaum
- The Annotated Turing
- Things That Make Us Smart by Donald Norman
- The Timeless Way of Building by Christopher Alexander
- The Deadline: A Novel About Project Management by Tom DeMarco
- The C++ Programming Language (3rd edition) by Stroustrup
- Patterns of Enterprise Application Architecture
- Computer Systems - A Programmer's Perspective
- Agile Principles, Patterns, and Practices in C# by Robert C. Martin
- Growing Object-Oriented Software, Guided by Tests
- Framework Design Guidelines by Brad Abrams
- Object Thinking by Dr. David West
- Advanced Programming in the UNIX Environment by W. Richard Stevens
- Hackers and Painters: Big Ideas from the Computer Age
- The Soul of a New Machine by Tracy Kidder
- CLR via C# by Jeffrey Richter
- The Timeless Way of Building by Christopher Alexander
- Design Patterns in C# by Steve Metsker
- Alice in Wonderland by Lewis Carol
- Zen and the Art of Motorcycle Maintenance by Robert M. Pirsig
- About Face - The Essentials of Interaction Design
- Here Comes Everybody: The Power of Organizing Without Organizations by Clay Shirky
- The Tao of Programming
- Computational Beauty of Nature
- Writing Solid Code by Steve Maguire
- Philip and Alex's Guide to Web Publishing
- Object-Oriented Analysis and Design with Applications by Grady Booch
- Effective Java by Joshua Bloch
- Computability by N. J. Cutland
- Masterminds of Programming
- The Tao Te Ching
- The Productive Programmer
- The Art of Deception by Kevin Mitnick
- The Career Programmer: Guerilla Tactics for an Imperfect World by Christopher Duncan
- Paradigms of Artificial Intelligence Programming: Case studies in Common Lisp
- Masters of Doom
- Pragmatic Unit Testing in C# with NUnit by Andy Hunt and Dave Thomas with Matt Hargett
- How To Solve It by George Polya
- The Alchemist by Paulo Coelho
- Smalltalk-80: The Language and its Implementation
- Writing Secure Code (2nd Edition) by Michael Howard
- Introduction to Functional Programming by Philip Wadler and Richard Bird
- No Bugs! by David Thielen
- Rework by Jason Freid and DHH
- JUnit in Action
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Top 1000 Canada Quiz and trivia: CANADA CITIZENSHIP TEST- HISTORY - GEOGRAPHY - GOVERNMENT- CULTURE - PEOPLE - LANGUAGES - TRAVEL - WILDLIFE - HOCKEY - TOURISM - SCENERIES - ARTS - DATA VISUALIZATION

Top 1000 Africa Quiz and trivia: HISTORY - GEOGRAPHY - WILDLIFE - CULTURE - PEOPLE - LANGUAGES - TRAVEL - TOURISM - SCENERIES - ARTS - DATA VISUALIZATION

Exploring the Pros and Cons of Visiting All Provinces and Territories in Canada.

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Health Health, a science-based community to discuss human health
- Senate votes to confirm Robert F. Kennedy Jr. as health secretaryby /u/Healthy_Block3036 on February 13, 2025 at 4:46 pm
submitted by /u/Healthy_Block3036 [link] [comments]
- Ozempic shown to reduce drinking in first trial in alcohol-use disorderby /u/countdookee on February 13, 2025 at 4:40 pm
submitted by /u/countdookee [link] [comments]
- Senate votes to confirm Robert F. Kennedy Jr. as health secretaryby /u/nbcnews on February 13, 2025 at 4:35 pm
submitted by /u/nbcnews [link] [comments]
- Measles outbreak in Texas was "completely preventable," infectious disease expert saysby /u/CBSnews on February 13, 2025 at 3:42 pm
submitted by /u/CBSnews [link] [comments]
- U.S. investors, Big Pharma race to find new medicines in Chinaby /u/snakkerdudaniel on February 13, 2025 at 2:49 pm
submitted by /u/snakkerdudaniel [link] [comments]
Today I Learned (TIL) You learn something new every day; what did you learn today? Submit interesting and specific facts about something that you just found out here.
- TIL that Nazi general Erwin Rommel was allowed to take cyanide after being implicated in a plot to kill Hitler. To maintain morale, the Nazis gave him a state funeral and falsely claimed he died from war injuries.by /u/mvincen95 on February 13, 2025 at 3:33 pm
submitted by /u/mvincen95 [link] [comments]
- TIL about Richard Sakakida, an American spy operating in the Philippines before the attack on Pearl Harbor, who spied on the Japanese community in Manila before he was captured after the fall of Corregidor. During his capture, he was tortured and eventually led a jailbreak of about 500 prisoners.by /u/fireatjaps2 on February 13, 2025 at 3:32 pm
submitted by /u/fireatjaps2 [link] [comments]
- TIL the founder of North Face, Douglas Tompkins, was killed in 2015 in a kayaking accident while traveling with long time friend Patagonia founder Yvon Chouinard, in Patagonia, Chile.by /u/mvincen95 on February 13, 2025 at 3:25 pm
submitted by /u/mvincen95 [link] [comments]
- TIL that GameBoy and GameBoy Color cartridges have a watch battery inside of them to power the chip for savefiles.by /u/Dorsai_Erynus on February 13, 2025 at 2:30 pm
submitted by /u/Dorsai_Erynus [link] [comments]
- TIL about the All-American Basketball Alliance, a white-only basketball league proposed in 2010 by boxing promoter Don Lewis. After being decried by mayors and colleges in the cities where teams were proposed, as well as by national media figures, the idea was abandoned.by /u/a3poify on February 13, 2025 at 1:46 pm
submitted by /u/a3poify [link] [comments]
Reddit Science This community is a place to share and discuss new scientific research. Read about the latest advances in astronomy, biology, medicine, physics, social science, and more. Find and submit new publications and popular science coverage of current research.
- Stress of Eviction or Housing Loss Linked to Child Mental Health Issues, Study Findsby /u/EffectiveAffect on February 13, 2025 at 3:44 pm
submitted by /u/EffectiveAffect [link] [comments]
- Study suggests sex can provide relationship satisfaction boost that lasts longer than just act itself. Positive “afterglow” of sex can linger for at least 24 hours, especially when sex is a mutual decision or initiated by one partner, while sexual rejection creates negative effect for several days.by /u/mvea on February 13, 2025 at 1:54 pm
submitted by /u/mvea [link] [comments]
- Researchers have successfully grown bioengineered teeth in pigs using a combination of human and pig cells | While the science is still in its early stages, the findings could one day lead to a future where you could have your missing teeth replaced with biological dentition.by /u/chrisdh79 on February 13, 2025 at 1:30 pm
submitted by /u/chrisdh79 [link] [comments]
- Researchers find cancer's 'off-grid' power supply and how to cut it | Researchers have discovered a particular type of cancer cell that relies on its own biological electric utility. Disrupting the utility with the help of a puffer fish showed a breakthrough way to fight the tumors in mice.by /u/chrisdh79 on February 13, 2025 at 12:28 pm
submitted by /u/chrisdh79 [link] [comments]
- Blood test paves the way for better heart attack preventionby /u/uniofreading on February 13, 2025 at 11:19 am
submitted by /u/uniofreading [link] [comments]
Reddit Sports Sports News and Highlights from the NFL, NBA, NHL, MLB, MLS, and leagues around the world.
- 18 year-old promising Chinese footballer, Guo Jiaxuan, left ‘brain-dead’ after being hit in the head by another player’s knee during a training campby /u/ModenaR on February 13, 2025 at 3:47 pm
submitted by /u/ModenaR [link] [comments]
- Arne Slot: What happens after Liverpool manager was shown a red card?by /u/Fatimamohammadi_ on February 13, 2025 at 2:38 pm
submitted by /u/Fatimamohammadi_ [link] [comments]
- FA Cup to use semi-automated offsides for first timeby /u/renome on February 13, 2025 at 2:17 pm
submitted by /u/renome [link] [comments]
- Up to 3 years in prison for attempt to blackmail Michael Schumacher’s family for $15.6M following convictionsby /u/Oldtimer_2 on February 13, 2025 at 2:06 pm
submitted by /u/Oldtimer_2 [link] [comments]
- TIL that sports analyst, Stephen A. Smith, has a recurring role as “Brick” on the daytime soap opera, General Hospital, playing a surveillance expert for a mob kingpin.by /u/Major-Tuddy on February 13, 2025 at 1:20 pm
submitted by /u/Major-Tuddy [link] [comments]