How is the economy affecting your hobbying?

Try using Gas Buddy app. I am finding gas pump prices drop almost 10cents after 8pm..
Gas prices can change throughout the day. Usually cheaper later at night or early morning . Gas is also usually cheaper on Mondays and Tuesdays. Some stations are always cheaper than others. If you go to cottage country, the stations on the Reservations are always cheaper too as they are exempt from certain taxes
 
Gas prices can change throughout the day. Usually cheaper later at night or early morning . Gas is also usually cheaper on Mondays and Tuesdays. Some stations are always cheaper than others. If you go to cottage country, the stations on the Reservations are always cheaper too as they are exempt from certain taxes
When I travel out to Montreal or Ottawa I always stop in Mohawk Territory for gas. Native land Always the cheapest. Showing $1.26/L...wish we could get that kind of pricing in Markham/Richmond Hill
 
Not sure which bank you use. Here are some returns from TD as a reference. Donโ€™t look at bond index returns as bonds are all about the quarterly interest payouts. The returns are based on a change in price which is driven by a change in interest rates. .

Index5 yr annual return10 year annual return
US14.57%10.79%
Canada12.34%7.84%
Europe10.23%6.17%
International11.54%7.14%
Thing is that I don't got 100k. I do have a good chunk saved but not even half of that.

Should I just dump most of my liquid cash into smp500 ?
 
Thing is that I don't got 100k. I do have a good chunk saved but not even half of that.

Should I just dump most of my liquid cash into smp500 ?
You first need to pick a product and know your limits. You need your tax assessment for to tell you your RRSP limit. You can contribute in TFSA once you turned 18 nased on the limits of that year Those TFSA limits have increased over the years. $7k this year and last, $6.5k the year earlier, $6k a year before that, etc. (even ine year when it was $10k).

IMG_1187.webp

But what are you planning to do with the money? Save it for a house? Save for retirement? If you want it for retirement then the RRSP should be your first choice and then TFSA second choice. If saving for a house, you might want a split and understand the first time homebuyer rules about withdrawing from RRSP (their is a limit). But, talk to your bank. They have to do a KYC (Know your client) form to set up the product(s) and accounts. Remember, โ€œdonโ€™t put your eggs all in one basketโ€. The bank might offer an investment strategy. Start with their strategy. If not, a simple starter strategy might be (since you are likely a moderate investor if you are worried about losing money) 50% US Index, 25% Canada Index, 20% Bond Index, 5% Cash. There are also โ€œBalance Portfolioโ€ products (stocks, bonds, cash). They might just put you in 2 funds: 50% US index and 50% Canadian Balanced Portfolio. If you are an aggressive investor (you should be at your age) then Iโ€™d go less bonds, less Canada and then throw in some International and European and maybe bump US to 55%. But learn to walk before you run. And you need to meet with you advisor annually to reassess your strategy and goals and then change your products and holdings accordingly.

Donโ€™t put 100% into the US (S&P500). Those are US stocks that trade in US dollars. But you are in Canada. The CAD/USD is about $0.70. Historically we should be around $0.74-0.76 range. If the currency moves back up there then that will eat away at your returns. Itโ€™s called FX risk. If the CAD was at $0.80-0.85 today then sure, as youโ€™d make more as the curremcy went back to the $0.74-0.76 range.

Note: Iโ€™m not licensed to give you financial advice so talk to someone who is. These are just guidelines and might not be right for your risk tolerance that will be determined in the KYC processes. Iโ€™m just very knowledgeable as Iโ€™ve been doing this since I was in my 20s.
 
Last edited:
Thing is that I don't got 100k. I do have a good chunk saved but not even half of that.

Should I just dump most of my liquid cash into smp500 ?
One more very important concept is your Emergency Fund.

You should already have 2 bank accounts: chequing and savings. You should keep little in the chequing and pay daily expenses. The savings should have more and will earn a bit of interest income. The combined amount depends on your monthly living expenses and any upcoming large expenses (new car, new appliances, etc.). You should have a minimum of 3 months of living expenses in the 2 accounts but maybe you want 6 months if you are conservative. Add to that any known upcoming large expenses. But your target is based on the concept of how many months of cash reserves you need to pay your bills incase you lose your job until you find a new one or if there is a risk of a large surprise expense (your old car falls apart and you need a replacement). This number, whatever it is ($10k, $15k, $20k, etc.) is your Emergency Fund.

To figure out your monthly cash needs write it all down in major categories and use your online bank statements and the transactions to help. This is your monthly budget. Many people have no clue how much and where they spend. But having this written out (in a spreadsheet) is a good practise as then you can figure out where to cut if you have to. Like if you are spending $500-1000 at bars and expensive restaurants then that is an easy opportunity to cut without much paid. Not so easy cutting a car cost if you have to drive to work. This is also important, as from my earlier post, where you need to find at least 10% of your income (15% is Good, 20% is great) going to your investments. If you canโ€™t find that today, then you need to look where to cut expenses to find it tomorrow. Pay Yourself First.

What you will invest is how much cash you have above that Emergency Fund number. So, if you have $40k saved and your Emergency Fund need is $15K then you can invest $25k. Your day-to-day living needs and Emergency Fund comes first. Then you invest the excess/idle cash. If your cash in your Emergency Fund is growing above your target minth needs then invest it. Keep paying yourself first.
 
Last edited:
Rules to investing:

  1. Donโ€™t take advice from someone on the internet
  2. Find a financial advisor that is a fiduciary. Will have to contact a private wealth manager. These firms can offer a range of products not found elsewhere and build a customized portfolio. Banks or some other big name companies usually only sell mutual funds, bonds a GICโ€™s. Private wealth management firms can offer stocks, preferred shares (instead of bonds), access to real
Your number one rule is to not take advice from someone on the internet and then you provide advice on the internet! Did anyone else catch that? :rolf
 
Your number one rule is to not take advice from someone on the internet and then you provide advice on the internet! Did anyone else catch that? :rolf
Yeh I know. I meant random youtube videos and stuff from people you know little about. Before watching or reading anything I want to know their motivations of the content creator or author. If they tell you to โ€œtalk to your advisorโ€ then their motivations are usually good as they are not trying to sell or drum up business for themselves. If they are pushing something (their financial services, or a product (Bitcoin)) then their motivations might not be so good so be wary.

So, just trying to help a young guy out by giving guidelines and some helpful rules.

Hereโ€™s Shaq on investing

 
One more very important concept is your Emergency Fund.

You should already have 2 bank accounts: chequing and savings. You should keep little in the chequing and pay daily expenses. The savings should have more and will earn a bit of interest income. The combined amount depends on your monthly living expenses and any upcoming large expenses (new car, new appliances, etc.). You should have a minimum of 3 months of living expenses in the 2 accounts but maybe you want 6 months if you are conservative. Add to that any known upcoming large expenses. But your target is based on the concept of how many months of cash reserves you need to pay your bills incase you lose your job until you find a new one or if there is a risk of a large surprise expense (your old car falls apart and you need a replacement). This number, whatever it is ($10k, $15k, $20k, etc.) is your Emergency Fund.

To figure out your monthly cash needs write it all down in major categories and use your online bank statements and the transactions to help. This is your monthly budget. Many people have no clue how much and where they spend. But having this written out (in a spreadsheet) is a good practise as then you can figure out where to cut if you have to. Like if you are spending $500-1000 at bars and expensive restaurants then that is an easy opportunity to cut without much paid. Not so easy cutting a car cost if you have to drive to work. This is also important, as from my earlier post, where you need to find at least 10% of your income (15% is Good, 20% is great) going to your investments. If you canโ€™t find that today, then you need to look where to cut expenses to find it tomorrow. Pay Yourself First.

What you will invest is how much cash you have above that Emergency Fund number. So, if you have $40k saved and your Emergency Fund need is $15K then you can invest $25k. Your day-to-day living needs and Emergency Fund comes first. Then you invest the excess/idle cash. If your cash in your Emergency Fund is growing above your target minth needs then invest it. Keep paying yourself first.
Good shit. I'll talk to a bank advisor. Look into aggressive investments to build money.

My goals are just wanting extra money from passive income to blow on whatever I want. Maybe get more into my hobby and frequent the more expensive joints like premier or club dynasty.

Main takeaway
50% US index and 50% Canadian Balanced Portfolio, be aggressive. Is starting with 10k decent? Will I make some ok money?
 
Good shit. I'll talk to a bank advisor. Look into aggressive investments to build money.

My goals are just wanting extra money from passive income to blow on whatever I want. Maybe get more into my hobby and frequent the more expensive joints like premier or club dynasty.

Main takeaway
50% US index and 50% Canadian Balanced Portfolio, be aggressive. Is starting with 10k decent? Will I make some ok money?
Actually, you just missed the boat entirely with that statement.

If you want more income, get a second job. Drive an Uber or work for Skip The Dishes
 
Last edited:
Actually, you just missed the boat entirely with that statement.

If you want more income, get a second job. Drive an Uber or work for Skip The Dishes
Its not like how it was back then, the juice isn't worth the squeeze. I work full time and I make just enuff to get essentials and spend on entertainment. Getting another job on top would make me fuking miserable.

I want the money I work hard for to work just as hard for me. In a checkings account my money is slowly dying.
 
Its not like how it was back then, the juice isn't worth the squeeze. I work full time and I make just enuff to get essentials and spend on entertainment. Getting another job on top would make me fuking miserable.

I want the money I work hard for to work just as hard for me. In a checkings account my money is slowly dying.
If you are going to โ€œblowโ€ you money on whatever you want, you are not really investing. If you put in $10k you might earn 7-8% / year on average ($700-800), maybe more, maybe less. Investing is all about keep on investing and let that 7-8% compound. If you earned 8% but didnโ€™t do anything with it (do no spend it in and do not add more) your $10k would be:

Start$10,000
End of Year 1$10,800
End of year 2$11,664
End of year 3$12,597.12
End of Year 4$13,604.89
End of Year 5$14,693.28

But if you โ€œblowโ€ the $800 tou earn each year then all youโ€™d have is the original $10,000 at the end of each year. But, depending on which product you put that $10k you might have to pay taxes on that $800 and really have less to โ€œblowโ€.

If you put in $10k and another $2k at the end of each year your balance would be like:

Start$10,000
Year 1$12,800
Year 2$15,824
Year 3$19.089.92
Year 4$22,617.11
Year 5$26,426.48
 
In January I made about $45k on KULR before the stock price went down. I thought maybe I would increase my spa visits since my portfolio was up at the time, but for the past two months, everything started tanking.

The only plus side of cutting drastically back on my spa visits is that I ended up saving $2k this month. I am just hoping I don't accidentally spend it on new golf clubs.... I'm aiming for a $20k emergency fund savings. Wish me luck!
 
In January I made about $45k on KULR before the stock price went down. I thought maybe I would increase my spa visits since my portfolio was up at the time, but for the past two months, everything started tanking.

The only plus side of cutting drastically back on my spa visits is that I ended up saving $2k this month. I am just hoping I don't accidentally spend it on new golf clubs.... I'm aiming for a $20k emergency fund savings. Wish me luck!
I am saving about $1000 to$1200 a month from limiting my hobby. I feel great about it and my health has allowed me to do other hobbies more. Work has not called me in from long term disabilty yet so that is less funds and I would rather not freeze the losses in my portfolio if possible. I service myself more often and can think clearer because of it, a lost artform for me. Still have my guaranteed good time with regular so that is help.
 
Rules to investing:

  1. Donโ€™t take advice from someone on the internet
  2. Find a financial advisor that is a fiduciary. Will have to contact a private wealth manager. These firms can offer a range of products not found elsewhere and build a customized portfolio. Banks or some other big name companies usually only sell mutual funds, bonds a GICโ€™s. Private wealth management firms can offer stocks, preferred shares (instead of bonds), access to real estate investing, etc.
  3. Build a plan based on your risk profile (conservative to very aggressive range).
  4. Diversify your products holdings: RRSP contributions reduce your taxes payable. This just defers tax payment until you withdraw (retirement) at a lower tax rate, FHSA (First Home Savings Account), RESP (Registered Education Savings Plan), TFSA (Tax Free Savings Account), Non-Registered Account, physical gold and silver, real estate. A wealth manager can setup the non-registered account up as a โ€œCorporate Accountโ€. That means activity within it, such as dividends paid, can be reinvested and little to no taxes are paid.
  5. Diversify your holdings. There are multiple diversification strategies here: 1) Product mix (common stock, Preferred stock, bonds, GIC/T-Bills, cash, ETFโ€™s etc.); 2) Sector (Tech, Biotech, Financials, Industrials, Consumer, Energy, Real Estate, etc.); 3) Country (US, Canada, Europe, Asia Major (e.g.Japan and South Korea), Asia, Developing Countries. The US market has had the best returns so getting a good amount of your holdings there is wise. But, there is risk (FX = if the Canadian dollar strengthens your returns are smaller), until the recent declines the US stock market was overvalued and ripe for a correction (drop).
  6. Most advisors will steer you away from crypto. They might allow you a small mix 1-2% of your investments. Many still view crypto as a Ponzi scheme. Guys on the web will still say you should be looking at 10-20% of you investments into Crypto. Crypto can be broken down roughly into 3 categories: 1) Bitcoin; 2) Tier 1 and Tier 2 alt-coins (Etherium, Solana, XRP, etcโ€ฆ.). These are trying to be real and provide a useful service 3) Memecoins or Shitcoins. Dogecoin falls into this category. But, these offer no product or service and are the ones that you risk the โ€œrug-pullโ€: the creators own 95% of the circulation, get attention to get people buying in a frenzie, pump the price up 10,000-100,000% the sell it all taking the money and run. Also called โ€œthe pump & dumpโ€
  7. Most important rule is invest at least 10% of what you make. 20% or more should be your target though. Example: if you make $100k, you should be investing $20k/yr. RRSPโ€™s allow you to invest up to 18%. So, if you put $18k in the RRSP that will give you a $5-6K tax refund that next year you reinvest in the RRSP and now you only need to come up with $14-15K to hit $20K. Once you have that plan then be disciplined and stick to that plan. That means making sacrifices like smaller house, less expensive car, no big trips, avoid spending too much in restaurants and bars, donโ€™t go crazy in clothes (buy stuff you can where for years that do not go out of style). Often those that are financially better off are the ones not showing it. Some of those with the expensive cars and clothes might be heavily in debt.
  8. Be disciplined. Buy and hold in solid companies is what made Warren Buffet a billionaire. Donโ€™t buy just because a stock is up. Donโ€™t sell just because it dropped. Some years youโ€™ll have great returns and some years youโ€™ll lose. But if you hold, the in the long run, youโ€™ll be up. For example if you analyze a mutual fund returns donโ€™t look at 1 year returns. 5 year and 10 years are what to look at as they normalize the good years and bad years.
  9. Understand taxes. If you have a non-registered account that is being managed for you there will be fees. These fees are tax deductible. Pull the statements and record those fees and claim them as a deduction. Dividends, interest (bonds), and capital gains are all taxed differently.
  10. Start early and take advantage of compounding. Compounding is interest upon interest. Warren Buffet described it as a snowball rolling down a hill. The longer the hill the bigger the ball at the end. The length of the hill is from when you start until when you retire. So, starting in your 20s is best. Do that amd tou can be financially independent 5-10 years before you actual retirement date.
Note: if you are just starting out though and have a small portfolio that a private wealth manager doesnโ€™t want to take on then buy index funds:
  1. 50% US
  2. 15-25% Canada
  3. 10-15% Europe, Japan/South Korea
  4. 10% Bonds
  5. 5% Cash, GICโ€™s, T-Bills
Have been investing in BRK.B every month for 6 years now. Price just keeps going up and up.
From $175.38 in 2019.

When Warren speaks, people listen to the Oracle of Omaha.

Turn it into an A stock, and its like going to Greenway Spa for one of Kellys famous massages.
Invest in the quality of the stock / MPA, and watch your returns grow.
๐Ÿ‘Œ
 
Last edited:
Shoutbox
  1. wilson holistic centre:
    new girl works at ๐Ÿ’‹535 Evans Ave today ๐Ÿ’•๐Ÿ’•๐Ÿ’•โ˜Ž๏ธโ˜Ž๏ธ416-531-6969โ˜Ž๏ธโ˜Ž๏ธ
  2. wilson holistic centre:
    ๐Ÿ’•๐Ÿ’•Beautiful Korean girl working at 382 Wilson Ave ๐Ÿ’•๐Ÿ’•โ˜Ž๏ธโ˜Ž๏ธ416-840-0071โค๏ธโค๏ธ
  3. SL Spa:
    ๐Ÿ’†โ€โ™€๐Ÿ’–Tuesday ๐Ÿ’œ Ultimate destination for Asian massages๐ŸŽ‰ Two fab spots: SL Richmond Hill & SL West Oakvilleโœจ Your passport to paradise with 10 enchanting girls fr China, HK, Japan & Korea โ€” ๐Ÿ†• Aliyah, Jasmine, Echo, Cindy, Coco,Cici, Doris, busty Amber, Kelly & Luna โ€” ready to pamper you๐ŸŽ๐Ÿ Ring us ๐Ÿ“ž647-695-6354 or text us ๐Ÿ“ฑ647-578-8169โœจ 160 East Beaver Cr., Unit 12, RichmondHill ๐Ÿ’ฐWhere Eastern charm meets Western comfort - your bliss awaits๐Ÿ™Œ
  4. Bencook:
    Suko have many beautiful girls working here ๐Ÿ˜Newer lala 24,beautiful lineup Mia Nora student Hellen Big boobs jojo yumi please call 647 718 6182
  5. Lulu1980:
    Phoenix Blossom Spa ๐ŸŒน๐ŸŒน๐ŸŒน Table shower .body scrub ๐Ÿ˜˜Three girls every day ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿ”ฅ 5124 Dundas West Street, Etobicoke โ˜Ž๏ธ 416-817-3366 ๐Ÿ‘ Newโ—๏ธNew girl Angela ,so young Petite and pretty๐Ÿ˜‹ open service ๐Ÿ˜œ๐Ÿ˜œ Sweet girl Luna deep massage ๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜ Hot and sexy body very provocative service ๐Ÿ˜๐Ÿ˜๐Ÿ˜๐Ÿ˜โค๏ธ You are welcome to make an appointment at any time or walk in directly through the back door. We have ample parking spaces available
  6. SpringGreen.:
    Today we have 5 girls on downtown Toronto 72 gerrard st west๏ผš๐Ÿ’‹๐Ÿ’‹ New girl Hitti very young๐Ÿ’‹๐Ÿ’‹Lisa- Tanned Spanish beauty with large melons and a fun booty too minica- exotic goddess with a gymnasts body and corresponding flexibility Jennifer- Exotic beauty with... Call and text 647 891 0699 ask...
  7. SugarLoveSpa:
    today have tifany mia chrishtina come baby Chuyแปƒn enjoy your time with all service available have beautiful young girl 20 to 30 years old, Sugar Love spaโ˜Ž๏ธโ˜Ž๏ธ (437) 365-2688๐Ÿ“ฒโ˜Ž๏ธ
  8. wonderspa:
    ๐ŸŒบWonder spa,(9421Jane st unit127)call416-5000-800โ˜Ž๏ธbest massage in vaughan,Tuesday RMT available,๐Ÿ’„sexy very young girl Mimi๏ผŒlong legs ,natural c cup,very good looking amazing massage nice body slide,really popular ๐ŸŽlong hair Lucy Q smile,very good looking ,strong to relax oil ,back walk,more.. hair Lucy Q smile,very good looking ,strong to relax oil ,back walk,more experience.must try๐Ÿ˜๐Ÿ‘
  9. Withme_Spa:
    ๐Ÿ’•โค4386 Sheppard Avenue east ๐Ÿ’ฏ๐Ÿ’•๐Ÿ’ฅโฃ๐Ÿ’‹Tuesday, โฃ๐Ÿ’• Mia,๐Ÿ’‹ petite Taiwanese, sexy build with beautiful face. friendly, very relaxing treatment and wonderful finish.โฃ๐Ÿ’‹ Coco,๐Ÿ’ฅ tall , slim, curvy, pretty girl with long hair. Soft treatment and very nice finish. โฃโค โ€ŠEva, ๐Ÿ’–medium height, nicely rounded and curvy, enjoys giving and receiving erotic touch๐Ÿ’‹ Jessica, ๐Ÿ’–medium height, sexy build with shapely legs and ass. friendly, relaxing finish ๐Ÿ’–๐Ÿ’‹๐Ÿ”‹416 297-7488๐Ÿ”‹
  10. wilson holistic centre:
    new girl works at ๐Ÿ’‹535 Evans Ave today ๐Ÿ’•๐Ÿ’•๐Ÿ’•โ˜Ž๏ธโ˜Ž๏ธ416-531-6969โ˜Ž๏ธโ˜Ž๏ธ
  11. Jennyโ€™s Spa:
    โœ…๐Ÿ’‹๐Ÿ”ฅGOOD NEWS GOOD NEWSโœ…๐Ÿ’‹๐Ÿ”ฅ ๐Ÿ’‹Cambodian Princess Suki will return to Jennyโ€™s Spa next Tuesday June 3rd๐Ÿ’‹ ๐Ÿ˜˜The famous superstar Cambodian Princess Suki from Annie Spa will be working at Jennyโ€™s Spa in Etobicoke next Tuesday June 3rd with Tina & Jenny๐Ÿ˜˜ ๐ŸŽ‰๐Ÿ’JENNYโ€™S SPA๐ŸŽ‰๐Ÿ’ โœ…5170 DUNDAS STREET WESTโœ… ๐Ÿ‘ŒETOBICOKE ONTARIO M9A 1C4๐Ÿ‘Œ โ˜Ž๏ธ( 647-893-5196)โ˜Ž๏ธCall or Text โ˜Ž๏ธ( 437-888-3759)โ˜Ž๏ธCall Only OPEN 10am to 9pm MONDAY to SUNDAY Suki๐Ÿ˜is beautiful short petite tiny sexy student from Camb
  12. AliceSpa:
    TUESDAY at ๐—”๐—Ÿ๐—œ๐—–๐—˜ ๐—ฆ๐—ฃ๐—”, 4915 Steeles Ave. E, Scarborough ๐Ÿฐ๐Ÿญ๐Ÿฒ-๐Ÿฎ๐Ÿต๐Ÿด-๐Ÿฌ๐Ÿด๐Ÿต๐Ÿด. 2 Young Beauties Today at Alice Spa. Open 10am to 9pm: AMY (10am โ€“ 9pm) is a young, petite short & slim Taiwanese, former dance instructor, firm natural B Cups, pretty face, firm natural titis, super play good, bbbj, cim, rim, dfk, all services. JESSICA (3pm-9pm) is from Hong Kong, super busty D Cup, 5'2", 109 Lbs
  13. ForeverWarden:
    Tuesday at ๐Ÿซฆโค๏ธ๐Ÿ”ด๐ŸŸฅโ™พ๏ธ๐“•๐“ž๐“ก๐“”๐“ฅ๐“”๐“ก ๐“ข๐“Ÿ๐“โ™พ๏ธ๐ŸŸฅ๐Ÿ”ดโค๏ธ๐Ÿซฆ2190 Warden Ave, Unit 201, Scarborough ๐Ÿฐ๐Ÿญ๐Ÿฒ-๐Ÿด๐Ÿฌ๐Ÿฌ-๐Ÿณ๐Ÿด๐Ÿด๐Ÿณ: Cindy, Tracy & Vivian. Cindy is a slim beauty, 5โ€™4โ€, natural C Cups. Her massage is nice, her services will drive you wild & her finish is a dream come true. Tracy is an incredibly cute & pretty Japanese/Taiwanese mixed spinner, about 5โ€™1โ€ and 100 lbs. She is very popular for her exotic massage & services.
  14. bnwellness_wilson:
    We have 4 young girls are working today, young fun Ivy 36DD with big buttocks 30โ€™s open mind and young cute slime Sophia 30โ€™s, young flirty Mia 25โ€™ with curve body and pretty GFE Lina are providing deep tissue massage, pls call 4163985777 bomok appointment and walk in always welcome,back entrance and parking available, 350 Wilson Ave North York
  15. HolidaySpa:
    Tuesday at ๐ŸŒด๐Ÿ˜Ž๐ŸŒ…๐“—๐“ธ๐“ต๐“ฒ๐“ญ๐“ช๐”‚ ๐“ข๐“น๐“ช๐ŸŒ…๐Ÿ˜Ž๐ŸŒด3517 Kennedy Rd, Unit 4, Scarborough โ˜Ž๏ธ๐Ÿฐ๐Ÿฏ๐Ÿณ-๐Ÿฎ๐Ÿฐ๐Ÿณ-๐Ÿญ๐Ÿญ๐Ÿต๐Ÿตโ˜Ž๏ธ: EMMA, JENNY & CINDY. EMMA is a very beautiful slim Chinese honey with C Cups, beauty face, & nice services to drive you wild. Jenny has a medium build, nicely curvy with a slim waist, pretty face, and very flexible skills. Jenny will make you very happy. CINDY is slim & incredible
  16. starjey888:
    Cof
  17. SugarLoveSpa:
    Tuesday at โค๏ธ๐Ÿ’™ ๐Ÿ’œโŽ๐—ฆ๐—จ๐—š๐—”๐—ฅ ๐—Ÿ๐—ข๐—ฉ๐—˜ ๐—ฆ๐—ฃ๐—”โŽ ๐Ÿ’–๐Ÿ’—๐Ÿ’˜: CHRISTINA, MIA & TIFFANY. 1270 Finch Ave W (at Keele St), Unit 18. North York. CHRISTINA is Spanish, C Cups, 5'3", tall & nice curves, very open minded. MIA is a young & slim ๐™Ž๐™‹๐™„๐™‰๐™‰๐™€๐™, very PRETTY & PETITE Vietnamese beauty with perfect natural A Cups, 5โ€™1โ€ & 90 Lbs, very versatile. Come and enjoy. TIFFANY is an amazing slim petite
  18. ใ™ใฟใพใ›ใ‚“:
    Larissa , Gabby , Sunny, Kimmie , Christine and new Lora on duty at top norch wellness. Call 437-522-9961 now
  19. EMSpa_schedule:
    ๐ŸŽ‰Come visit us!๐ŸŽ‰ Today (Tuesday), our amazing attendants are Ada ๐Ÿ’œ, Christina ๐Ÿคฉ, Cici ๐Ÿค—, Ivy ๐Ÿ˜˜, Monica ๐Ÿฅฐ and Connie ๐Ÿฅฐ. Call us at โ˜Ž๏ธ (905) 479-6668 โ˜Ž๏ธ to book your favourite and head on over to 7665 Kennedy Road, Unit 4, Markham!
  20. Red Rose Spa:
    ๐ŸŒธ We have 5 hot brown girls today ๐ŸŒธ MONICA, ASHA, JANVI, MONIKA, SASHA, AMANDA, PAOLA, MALIYA, PREET, SARIKA, KIRAN ๐ŸŒธ 2588 Birchmount ๐ŸŒธ 2 Invergordon ๐ŸŒธ 647-702-8800 ๐ŸŒธ Please visit for a great erotic massage
  21. Annie Spa:
    ๐ŸŽ‰๐Ÿ’ANNIE SPA๐ŸŽ‰๐Ÿ’ โœ…7-1001 SANDHURST CIRCLEโœ… ๐Ÿ‘ŒSCARBOROUGH ON M1V 1Z6๐Ÿ‘Œ โ˜Ž๏ธ (647) 891-9688โ˜Ž๏ธ โ˜Ž๏ธ (416) 291-8879โ˜Ž๏ธ (FINCH & MCCOWAN) OPEN 9:30am to 9pm MONDAY to SUNDAY ๐Ÿ”ฅโœ…NEW MANAGEMENT๐Ÿ’ฏNEW GIRLS๐Ÿ”ฅ๐Ÿ”ฅ ๐Ÿ”ฅGORGEOUS NEW YOUNG ASIAN GIRLS - TODAYโ€™s ROSTER INCLUDES: ๐Ÿ”ฅ Angel ๐Ÿ’• Very beautiful girl from Taiwan, very curvy, young and sexy, she can provide a great massage and wonderful touch and super service. Angel is so sexy, especially her 34C breasts and her big juicy tight bum you can wors
  22. Spa in Markham:
    GOLDEN FS โ€“ 8380 Kennedy Rd, Unit C6 ๐Ÿ“ž 905-258-0777 / 416-688-6886 ๐Ÿ‡ป๐Ÿ‡ณ ROXY, ๐Ÿ‡ฒ๐Ÿ‡พ AMY, ๐Ÿ‡ป๐Ÿ‡ณ MIKA, ๐Ÿ‡จ๐Ÿ‡ด MEGAN (7PM) ๐Ÿ”Ž Schedule: bit.ly/flowers_schedule ๐Ÿ›Ž๏ธ Booking: bit.ly/bookinggoldenlove
  23. FLOWER Spa - BLUEXADO | Thornhill | VAUGHAN:
    BLUEXADO FS โ€“ #06-1102 Centre St ๐Ÿ“ž 416-357-9797 / 416-678-8668 ๐Ÿ‡ป๐Ÿ‡ณ CICI, ๐Ÿ‡ป๐Ÿ‡ณ JULIE, ๐Ÿ‡ป๐Ÿ‡ณ MY LINH (12PM) ๐Ÿ”Ž Schedule: bit.ly/flowers_schedule ๐Ÿ›Ž๏ธ Booking: bit.ly/bookingbluexadolove
  24. FLOWER Spa โ€“ PINK | Scarborough | TORONTO:
    PINK FS โ€“ 3300 McNicoll Ave, Unit A8 ๐Ÿ“ž 416-299-5515 / 416-817-3839 ๐Ÿ‡ฎ๐Ÿ‡ท ELINA, ๐Ÿ‡ธ๐Ÿ‡ฌ CANDY, ๐Ÿ‡ต๐Ÿ‡ญ MADY (12PM) ๐Ÿ”Ž Schedule: bit.ly/flowers_schedule ๐Ÿ›Ž๏ธ Booking: bit.ly/bookingpinklove
  25. Golden Sunshine Spa:
    โœจClick on our Username and FOLLOW US for updates and special services ! โœ… Click Here Today๐ŸŒธSusan๐ŸŒธLuna๐ŸŒธLynda๐ŸŒธBrandy๐ŸŒธCassy Call us โ˜Ž 905 - 265 - 2158โ˜Ž๏ธ Your ultimate service awaits! โœจ
  26. lemon_tree:
    ๐Ÿ’›๐Ÿ’ža discreet entrance to 4155 Sheppard Avenue east, unit 201๐Ÿ’•โฃ๐Ÿ’‹๐Ÿ’–Tuesday, โฃ๐Ÿ’‹ Holly, ๐Ÿ’–medium height and sexy build with shapely legs and ass. friendly, does a very relaxing treatment and wonderful finish ๐Ÿ’ž Amy, very small and slim, . ๐Ÿ’–๐Ÿ’‹ ๐Ÿ“ž 647 348-2899๐Ÿ“ž
  27. Red_Pearl_Spa:
    โค๐Ÿ’‹4385 Sheppard Avenue east, unit 5๐Ÿ”บ๏ธ๐Ÿ’‹โฃ๐Ÿ’‹๐Ÿ”ดTuesday, ๐Ÿ’˜๐Ÿ’ž Kim, ๐Ÿ’‹tall and slim, long dark hair, very pretty. Good relaxation and nice finish. ๐Ÿ’ž๐Ÿ’‹ Kelly, โฃtoday for an amazing treatment... 5'5", long light brown hair, at least C's ๐Ÿ’‹โฃโ˜Ž๏ธ647 352-1588โ˜Ž๏ธ
  28. Soul Relax Spa:
    โœจ Looking for a relaxing escape? โœ… Click Here Meet๐ŸŒธNina๐ŸŒธAnna๐ŸŒธXukaCall us today for the best treatment and service experience. Click on our Username and FOLLOW US for updates ! Call now โ˜Ž 289 - 298 - 5662โ˜Ž๏ธ Your ultimate relaxation awaits! โœจ
  29. gold__rose__spa:
    ๐Ÿ’๐Ÿ’–1536 Warden Avenue ๐Ÿ’“๐Ÿ’ฆ๐Ÿ’ซTuesday, โฃ๐Ÿ’ž๐Ÿ’‹ Jessica, shapely, pretty, comfortable treatment, great service for more traditional style treatment and quality services.๐Ÿ’–๐Ÿ’“๐Ÿ’ฅ Fifi, does very firm treatment,๐Ÿ’ฅ๐Ÿ’๐ŸŒน๐Ÿ“ณ647 346-8086๐Ÿ“ณ
  30. Double_Tree:
    โค๐Ÿ’ซ4271 Sheppard Avenue east ๐Ÿ’ฏ๐Ÿ’žโฃ๐Ÿ’‹Tuesday, ๐Ÿ’–๐Ÿ’• Nina, tall and full build, . ๐Ÿ’ž๐Ÿ’‹โ€ŠXixi, โฃmedium height and build and nicely curved. Pretty, dark hair to shoulder. Nice relaxation technique and over the top finish+. ๐Ÿ’–โฃ ๐Ÿ“ž 416 293-5071๐Ÿ“ž
  31. Lulu_Villa_Spa:
    Suki From Taiwan, sweet girl Cherry ๐Ÿ’ From Malaysia Part time School girl Sami is a gorgeous model type Vietnamese Girl Tiffany She is new as MPA From Philippines Slim Body Natalie she is CBC/filipina mixed Petite girlโ€จโ˜Ž๏ธ647- 44
  32. Lulu1980:
    Phoenix Blossom Spa ๐ŸŒน๐ŸŒน๐ŸŒน Table shower .body scrub ๐Ÿ˜˜Three girls every day ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿ”ฅ 5124 Dundas West Street, Etobicoke โ˜Ž๏ธ 416-817-3366 ๐Ÿ‘ Newโ—๏ธNew girl Angela ,so young Petite and pretty๐Ÿ˜‹ open service ๐Ÿ˜œ๐Ÿ˜œ Sweet girl Luna deep massage ๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜ Hot and sexy body very provocative service ๐Ÿ˜๐Ÿ˜๐Ÿ˜๐Ÿ˜โค๏ธ You are welcome to make an appointment at any time or walk in directly through the back door. We have ample parking spaces available
  33. DareDevil:
    ARIA WELLNESS โ™ฅ๏ธโ™ฅ๏ธADDRESS: 360 HWY 7, UNIT #6, RICHMOND HILL,647-222-5683 โ™ฅ๏ธโ™ฅ๏ธ(PHONES CALL ONLY, NO TEXT'N AVAILABLE) โ™ฅ๏ธTODAY'S Schedule!โ™ฅ๏ธ Loaded lineup with Beautiful Girls : Superstar Yoga Girl Lucy, Fun Girl Kelly๐ŸŽ, Magical Mia and Work out๐Ÿ‹๐Ÿšด๐Ÿ’ช Babe Amy! SPECIAL PROMO 30 MINS 2 GIRLS $70 ๐ŸŒน๐ŸŒน**TODAY'S PICKS OF THE DAY ARE ๐Ÿฌ๐Ÿญ LUCY AND KELLY๐Ÿฌ๐Ÿญ**
  34. luckywellness:
    Lucky Wellness Center 4379721888 295 Eglinton Ave E,Unit 7,Mississauga We had two girls working today. Bella and Kiki. They are both young, pretty and cute. The massage and back walking were very good
  35. Sunrise Relaxation(416)916-7276:
    Tomorrow@Sunrise Relaxation Downtown: ๐Ÿ’–Angela, ๐Ÿ’–Olivia, ๐Ÿ’–Lisa and ๐Ÿ’–Kitty will be on shift. Call (416)500-0921 for detail schedule and insight info
  36. EMSpa_schedule:
    Tomorrow's sneak peek: On Tuesday June 3, 2025, our attendants will be Ada ๏ธ, Christina ๐Ÿ”ฅ, Cici ๐Ÿค—, Ivy ๐Ÿ˜, Monica ๐Ÿฅฐ and Connie ๐Ÿฅฐ. Call us at โ˜Ž๏ธ(905) 479-6668โ˜Ž๏ธ to book!
  37. SL Spa:
    ๐Ÿ’†โ€โ™€๐Ÿ’–Monday ๐Ÿ’œ๐Ÿ’– Ultimate destination for Asian massages๐ŸŽ‰ Two fab spots: SL Richmond Hill & SL West Oakvilleโœจ Your passport to paradise with 10 enchanting girls fr China, HK, Japan & Korea โ€” Top Star Jenny, ๐Ÿ†• Elsa, Coco, Eva, Cindy, Kelly, Amber, Busty Echo, Jenny, JPN Yui & Juliet โ€” ๐Ÿ๐ŸŽˆ Hit up 647-695-6354๐Ÿค™ or text to ๐Ÿ“ฑ647-578-8169 โœจ160 East Beaver Cr., Unit 12, Richmond Hill ๐Ÿ’ฐWhere Eastern charm meets Western comfort - your bliss awaits๐Ÿ™Œ
  38. wilson holistic centre:
    new girl works at ๐Ÿ’‹535 Evans Ave today ๐Ÿ’•๐Ÿ’•๐Ÿ’•โ˜Ž๏ธโ˜Ž๏ธ416-531-6969โ˜Ž๏ธโ˜Ž๏ธ
  39. gold__rose__spa:
    ๐Ÿ’ฅ๐Ÿต1536 Warden Avenue Monday,โฃโค Ada,๐Ÿ’‹ a beautiful Korean girl, super fit, slim, but good bust, beautiful, great service+ ๐Ÿต ๐Ÿ’ž ๐Ÿ“ด647 346-8076๐Ÿ“ด
  40. Lulu1980:
    Phoenix Blossom Spa ๐ŸŒน๐ŸŒน๐ŸŒน2 girls ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿ”ฅ5124 Dundas St W Etobicokeโ˜Ž๏ธ416-817-3366๐Ÿ‘ Table Shower Sea Salt Bath Body Scrub๐Ÿ˜˜ Japanese girl Nina โค๏ธ Natural Big Boobs 38 DD ๐Ÿ˜˜Pink Mini Nipples Hot body slide, super enjoyable๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜ very provocative service๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜, professional super Luna deep tissue massage, has therapeutic effect to loosen bones and relieve muscle pressure and will bring you unexpected service effects, she will bring you a little surprise๐Ÿ˜๐Ÿ˜๐Ÿ˜๐Ÿ˜โค๏ธYou are welcome to make an appoint
  41. wonderspa:
    ๐ŸŒบWonder spa,(9421Jane st unit127)call416-5000-800โ˜Ž๏ธbest massage in vaughan,๐Ÿ’„sexy very young girl Mimi๏ผŒlong legs ,natural c cup,very good looking amazing massage nice body slide,really popular ๐ŸŽlong hair mina smile,beautiful strong to relax oil ,back walk,more experience amazing body slide โค๏ธnice Vietnamese Amy open mind,everything she can do,really popular girl,must try๐Ÿ”ฅ๐ŸŽˆ๐Ÿ‘
  42. Withme_Spa:
    ๐Ÿ’•โฃ4386 Sheppard Avenue east ๐Ÿ’ฏ๐Ÿ’ž๐Ÿ’ฅ๐Ÿ’‹๐Ÿ’˜Monday, ๐Ÿ’—โฃ๐Ÿ’‹ Cici, ๐Ÿ’—tall and slim, nice personality, pretty, very good pressure point treatment and over the top finish technique..๐Ÿ’‹โฃ Natalia, โคa full body Spanish lady, curvy, beautiful, awesome treatment and memorable finish ๐Ÿ’ž๐Ÿ’‹โ€ŠEva, ๐Ÿ’–curvy, beautiful, awesome treatment and memorable finish . ๐Ÿ’ž Jessica,๐Ÿ’‹ slim, and sexy body, very pretty. High energy session ๐Ÿ’–๐Ÿ’‹ ๐Ÿ”‹416 297-7488๐Ÿ”‹
  43. Jennyโ€™s Spa:
    ๐ŸŽ‰๐Ÿ’JENNYโ€™S SPA๐ŸŽ‰๐Ÿ’ โœ…5170 DUNDAS STREET WESTโœ… ๐Ÿ‘ŒETOBICOKE ONTARIO M9A 1C4๐Ÿ‘Œ โ˜Ž๏ธ( 647-893-5196)โ˜Ž๏ธCall or Text โ˜Ž๏ธ( 437-888-3759)โ˜Ž๏ธCall Only (ETOBICOKE) OPEN 10am to 9pm MONDAY to SUNDAY ๐Ÿ”ฅโœ…GRAND OPENING๐Ÿ’ฏNEW GIRLS EVERYDAY๐Ÿ”ฅEXCELLENT MASSAGE + SERVICE QUEENS NOW AVAILABLE AT JENNYโ€™S SPA FOR ALL YOUR MASSAGE AND SPECIAL EXTRA NEEDS๐Ÿ”ฅ๐Ÿ’ฏ๐Ÿ˜˜๐Ÿ”ฅโค๏ธ๐Ÿ‘Œ ๐Ÿ”ฅTWO BEAUTIFUL NEW YOUNG ASIAN GIRLS EVERYDAY๐Ÿ”ฅ ๐Ÿ’ฏREAL PICTURES OF ATTENDANTS๐Ÿ’ฏ ๐Ÿ”ฅ๐Ÿ’‹Limited Time Special Promotion๐Ÿ”ฅ๐Ÿ’‹ โœ…๐Ÿ’ฆ30 Minutes Nude Mass
  44. AliceSpa:
    MONDAY at ๐—”๐—Ÿ๐—œ๐—–๐—˜ ๐—ฆ๐—ฃ๐—”, 4915 Steeles Ave. E, Scarborough ๐Ÿฐ๐Ÿญ๐Ÿฒ-๐Ÿฎ๐Ÿต๐Ÿด-๐Ÿฌ๐Ÿด๐Ÿต๐Ÿด. 3 Sexy Young Girls Today at Alice Spa. Open 10am to 9pm : CLOUDIA is Vietnamese, young, petite 5'2" & 96 Lbs, B Cup, best rim deep bbbj cim. $40 Room Fee + $80 (incl bbbj & fs). +$20 for rim/cim. Excellent open minded services. JESSICA is from Hong Kong, super busty D Cup, 5'2", 109 Lbs, curvy, soft white skin
  45. lemon_tree:
    ๐Ÿ’›๐Ÿ’•a discreet entrance to 4155 Sheppard Avenue east, unit 201๐Ÿ’—โฃ๐Ÿ’‹๐Ÿ’–Monday, ๐Ÿ’ž๐Ÿ’‹ Carmen,๐Ÿ’‹ (Candy) โฃbeautiful, dark hair to shoulder, tall and slim but busty, and does very relaxing treatment with over the top finish. *Also goes by Lily. ๐Ÿ’‹โฃ๐Ÿ“ž647 348-2899๐Ÿ“ž
  46. FLOWER Spa โ€“ PINK | Scarborough | TORONTO:
    PINK FS โ€“ 3300 McNicoll Ave ๐Ÿ“ž 416-299-5515 / 416-817-3839 ๐Ÿ‡ฎ๐Ÿ‡ท ELINA, ๐Ÿ‡ป๐Ÿ‡ณ KELLY, ๐Ÿ‡ป๐Ÿ‡ณ MIKA, ๐Ÿ‡ต๐Ÿ‡ญ MADY (11AM) ๐Ÿ”Ž View Schedule: bit.ly/flowers_schedule ๐Ÿ›Ž๏ธ Booking Now: bit.ly/bookingpinklove
  47. FLOWER Spa - BLUEXADO | Thornhill | VAUGHAN:
    BLUEXADO FS โ€“ #06-1102 Centre St ๐Ÿ“ž 416-357-9797 / 416-678-8668 ๐Ÿ‡ญ๐Ÿ‡ฐ๐Ÿ‡ป๐Ÿ‡ณ CICI, ๐Ÿ‡ฒ๐Ÿ‡พ AMY, ๐Ÿ‡ป๐Ÿ‡ณ๐Ÿ‡จ๐Ÿ‡ด MEGAN ๐Ÿ”Ž View Schedule: bit.ly/flowers_schedule ๐Ÿ›Ž๏ธ Booking Now: bit.ly/bookingbluexadolove
  48. Spa in Markham:
    GOLDEN FS โ€“ 8380 Kennedy Rd ๐Ÿ“ž 905-258-0777 / 416-688-6886 ๐Ÿ‡ป๐Ÿ‡ณ ROXY, ๐Ÿ‡ป๐Ÿ‡ณ MY LINH, ๐Ÿ‡ญ๐Ÿ‡บ VANESSA, ๐Ÿ‡ฎ๐Ÿ‡ณ SONIA (8PM) ๐Ÿ”Ž View Schedule: bit.ly/flowers_schedule ๐Ÿ›Ž๏ธ Booking Now: bit.ly/bookinggoldenlove
  49. ForeverWarden:
    Monday at ๐Ÿซฆโค๏ธ๐Ÿ”ดโ™พ๏ธ๐“•๐“ž๐“ก๐“”๐“ฅ๐“”๐“ก ๐“ข๐“Ÿ๐“โ™พ๏ธ๐ŸŸฅ๐Ÿ”ดโค๏ธ๐Ÿซฆ 2190 Warden Ave, Unit 201, Scarborough ๐Ÿฐ๐Ÿญ๐Ÿฒ-๐Ÿด๐Ÿฌ๐Ÿฌ-๐Ÿณ๐Ÿด๐Ÿด๐Ÿณ: Bella, Yumi & Cindy. Bella is around 5โ€™3โ€ with a thin to medium build, C Cups, and a pleasing personality. She can offer dfk, bbbj and cfs as well as a good massage experience. Yumi is a young half Chinese / /half Korean very sexy & slim beauty, can do bbbj cim, excellent services... Cindy
  50. EMSpa_schedule:
    ๐ŸŒนWe're waiting for you!๐ŸŒน Today (Monday), our amazing attendants are Ivy ๐Ÿ˜˜, Lucy ๐Ÿ˜˜, Vicky ๐Ÿ˜˜, Mia ๐Ÿค— and Sophie ๐Ÿคฉ. Call us at โ˜Ž๏ธ (905) 479-6668 โ˜Ž๏ธ to book your favourite and head on over to 7665 Kennedy Road, Unit 4, Markham!
Back
Top