Only spending money on the bones of my house - roof, windows, solar, insulation, heating, water system - was the best financial decision we ever made.

The kitchen works fine. I do not need a new one.

That’s happened me twice this week. They just appear out of nowhere.

I’m so sorry to hear that.

We are neighbours with a low rent home that rotates tenants w/ high-need substance abuse disorders so I empathize with the challenges, we try to be good neighbours; it can be difficult.

If you sell financial products like REITs I think you should be prepared to be neighbours with the consequences.

Scotia-McLeod Wealth Management David Ritcey?

It’s a sign of our deep maturity that neither of us thought that a deep clean of the house was more important.

lol I didn’t even see it.

And my go to bakery has just emailed me to cancel my order because they’re cutting puddings from the menu this year.

Bah humbug!!