u/Equivalent-ASam

Hello. I have a new business that requires an "office number", I do not want this number to be the same as my personal cell phone number. I want to post this office number online and on my website, without exposing my personal cell phone number.

I need to get a new phone number that I can display online, and whoever calls that number would directly call my personal cell phone number, without me having to post my cell number online.

It would also help if I can see texts sent to that "office number", read voicemails for calls I could not answer, or be able to leave a voicemail response to people, asking them to leave a message.

Hello, I am based in Ontario and I currently drive a 2023 Lexus IS300 on a 4 year lease that ends in 3 months (only 50k km on it). The residual is $24k+HST to buyback the car at the end of the lease, and my current monthly payment on the car is $880 (HST included).

I am thinking whether to buyback the car, because its probably worth around $35k at the moment, but I only have around $30k in cash saved, so I would have to blow all my cash on the buyback. I have a HELOC, and worst case, I could sell some stocks in my TFSA, in case I need money down the line, but I am also in the middle of a career change, so my income will not be consistent in the near future. Spending all my money on the buyback is a relatively risky purchase. The car will also need new tires very soon.

I am okay with driving the car for another few years before transitioning into an SUV for more comfort. Should i blow all my cash on this car since its a good deal and I can have no car payment, or should I enter a new lease (around $700/month)?

My accountant said that a new lease would offer me better tax deductions versus the buyback, which would only be CCA (I am self employed). He also argued that my $30k cash savings should be saved as a rainy day fund, or better used invested in the markets, and that a $700 car payment for a new lease is manageable. The fact that I have the option to buy back a good car with long term value at a good price, AND have no more car payments seems more attractive to me. Am I missing something here?