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Chillyrabbit posted:If its basically the same as the tangerine funds, but in the ETF platform I'll probably start investing more in Questrade. It is but a shitload cheaper. Do the questrade. Excelsiortothemax posted:Dear stocks, stop going down. A small price to pay if it means shithead republicans causing it will be turbofucked legally, politically, or guillotine-y 
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Feb 2, 2018 21:57
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Guest2553 posted:It is but a shitload cheaper. Do the questrade. Great, I don't mind smaller investments on questrade I just hated having to recalculate how much of each share I needed to buy to maintain my preferred ratio, especially when I was only able to normal toss in 200-400 a month. But now that I look at it there is no data since its so new, how would I know this would at least perform as well as my tangerine fund. Just fact that Vanguard is a pretty legit business and does good work with other ETF's besides this new fund?
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Feb 2, 2018 22:04
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Chillyrabbit posted:I mean I already have an account with Questrade, I rebalance every year with my Christmas bonus since penny packets investing doesn't make much sense to me, and I don't want to keep on recalculating to find out how much of each share I need. I also have tangerine mutual funds since it's basically just investing with no thinking when I was still in school. This runs as a read-only plug-in at Questrade and calculates your trades to bring you back to your target (but doesn't have access to actually execute them).
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Feb 2, 2018 22:21
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spoof posted:This runs as a read-only plug-in at Questrade and calculates your trades to bring you back to your target (but doesn't have access to actually execute them). Should have known, anytime you have a problem someone probably has figured out a solution to it. Thanks!
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Feb 2, 2018 22:27
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spoof posted:This runs as a read-only plug-in at Questrade and calculates your trades to bring you back to your target (but doesn't have access to actually execute them). Holy poo poo this is so useful! Thanks!
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Feb 2, 2018 23:31
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Chillyrabbit posted:But now that I look at it there is no data since its so new, how would I know this would at least perform as well as my tangerine fund. Just fact that Vanguard is a pretty legit business and does good work with other ETF's besides this new fund? What historical data do you usually look at to pick ETFs?
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Feb 2, 2018 23:32
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Excelsiortothemax posted:Dear stocks, stop going down. Are you retired?
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Feb 2, 2018 23:56
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Not anymore!
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Feb 2, 2018 23:57
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Subjunctive posted:What historical data do you usually look at to pick ETFs? I mean I would like it if the historical data shows that it at least matched my tangerine fund. Basically that it grows a decent amount.
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Feb 3, 2018 00:07
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Chillyrabbit posted:I mean I would like it if the historical data shows that it at least matched my tangerine fund. Basically that it grows a decent amount. There’s no rush. Wait a year to see if it matches your other fund, then take the plunge if it looks good.
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Feb 3, 2018 00:14
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I don’t think I could look at a year or two’s performance and decide if a fund was going to be successful, especially coming off this ridiculous bull run, but I am not a very sophisticated investor. If you can pick based on short-term performance, please share analyses! I’m probably not the only one here who’s interested in such things.
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Feb 3, 2018 00:27
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Chillyrabbit posted:I mean I would like it if the historical data shows that it at least matched my tangerine fund. Basically that it grows a decent amount. I trust Vanguard to have what they say they have in those ETFs. I'm not really in love with how over-represented Canadian equities are in those ETFs, but I'll probably still use these for my parent's investments, as I'm already averaging 0.19% MER for their portfolio's and .03% is definitely not worth my time.
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Feb 3, 2018 00:29
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Subjunctive posted:I don’t think I could look at a year or two’s performance and decide if a fund was going to be successful, especially coming off this ridiculous bull run, but I am not a very sophisticated investor. I was thinking along the lines of: These new Vanguard funds claim to put X% in index A, Y% in index B, etc. I’m interested but I’ll wait a year or two to make sure the fund tracks the indices it claims. If it seems like the fund is working as advertised and I trust the fund provider not to bail on me, I’m in. I’m not sure what the failure case is for Vanguard Canada funds. Seems like they can be run pretty cheaply so you don’t need a massive amount of funds under management, but what do I know.
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Feb 3, 2018 00:46
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Ah, ok, I thought the concern was fund performance, not truth in advertising. I’d never have thought to worry that they weren’t what they said they were.
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Feb 3, 2018 00:52
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pokeyman posted:I was thinking along the lines of: Hmm that's probably what I'm going to do, I already did my rebalancing with my Christmas bonus so I can wait until next year. Not like the fund is going to disappear and if it does I'm no worse off. I'll still be putting away $200-400 a month into my tangerine or maybe into my Questrade Portfolio after Spoof showed us the passiv trading app.
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Feb 3, 2018 00:53
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runupon cracker posted:Not sure if this is the right thread, so please feel free to train me to the right one, but: Talk to a mortgage broker. You should be able to do better than that. https://www.ratehub.ca/best-mortgage-rates/5-year/fixed
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Feb 3, 2018 06:08
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Excelsiortothemax posted:Dear stocks, stop going down. OTOH its RRSP top-up/portfolio rebalancing time so its a matter of just how low it will go before buying. Yes yes don't try to time the market but seriously, I would like a good sale
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Feb 5, 2018 20:26
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"RRSP season" is such a goofy marketing scheme.
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Feb 6, 2018 00:23
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pokeyman posted:"RRSP season" is such a goofy marketing scheme. Eh. One needs to rebalance annually (I contribute monthly as well), so its a good enough time as any. Top up the contribution, do taxes, sink the refund proceeds into the mortgage principle, bring on May. Whatev.
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Feb 6, 2018 00:44
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Fair, I wasn’t saying you specifically are Doing It Wrong. More a general whine.
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Feb 6, 2018 02:09
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I wasn't disagreeing even, but think most of the Hallmark holidays are bigger marketing scams. Although I do love chocolate... So today was market bloodbath, and the Nikkei is in free fall, so perhaps I'll wait out the rest of the week
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Feb 6, 2018 02:11
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Holy poo poo I'm pretty sure I'm about to get hosed in the rear end on taxes this year. So I work two jobs, and I have told both of my employers that I work two jobs, and to tax me as if I have supplemental income. Job a: I made 16k and had 3k taken off in taxes (fine and cool) Job b: I made 24K and they only took off 1800 in taxes. (what the gently caress) That in addition to the 1500 in tips I get to claim (which I will assumedly pay 30% marginal tax on) by my estimation means I will probably owe 2k this year. fffffuuuuuuuck
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Feb 13, 2018 00:52
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Mezzanon posted:Holy poo poo I'm pretty sure I'm about to get hosed in the rear end on taxes this year. Your income is 41500, why do you think your marginal rate is 30%? My estimate is you owe about 500 bucks, exactly depends on province, etc.
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Feb 13, 2018 02:11
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Whether you pay taxes by payroll or not the taxes remitted is the same, you’re just remitting at a different time. If you saved nothing you can work out a payment plan with them.
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Feb 13, 2018 04:26
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Jenkl posted:Your income is 41500, why do you think your marginal rate is 30%? In Quebec the marginal rate is nearly 30% at that point and he’ll owe more than 500$. Kinda depends where he is.
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Feb 13, 2018 04:36
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Jordan7hm posted:In Quebec the marginal rate is nearly 30% at that point and he’ll owe more than 500$. Kinda depends where he is. Alberta
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Feb 13, 2018 05:47
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Mezzanon posted:Alberta Try plugging your income into a tax calculator and estimating it. That or start calculating your return on Turbotax or something, estimating if you don't have your tax forms yet.
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Feb 13, 2018 06:12
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It's been 3 consecutive months now that TD keeps charging me monthly fees for my chequing account and not refunding them even though I always have the required fee-waiving minimum balance at the end of the month as per the service agreement. I'm going to have to resolve this through their call centre, won't I?  Does anyone have any experience dealing with this? Is there some ultrafine print I'm missing? (ie: you can't have below minimum balance at any time, etc)
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Feb 13, 2018 16:00
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Lead out in cuffs posted:Try plugging your income into a tax calculator and estimating it. Yeah, rate in Alberta's 10%, putting you at 25% marginal rate net. You'll owe $375 on the tips, and probably another $800 on the rest, assuming your CPP and EI was deducted correctly and you have no other credits or income..
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Feb 13, 2018 17:01
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mojo1701a posted:Yeah, rate in Alberta's 10%, putting you at 25% marginal rate net. You'll owe $375 on the tips, and probably another $800 on the rest, assuming your CPP and EI was deducted correctly and you have no other credits or income.. Oh that's much more reassuring. I just plugged it into a thing online and it said I was supposed to have 8, 000 in total deductions taken off but I only had 6, 000 in total so I was pooping my pants. Anyways, I'll have it taken to my accountant later today to settle. I still think my main job is under taxing me.
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Feb 13, 2018 17:07
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Tipps posted:It's been 3 consecutive months now that TD keeps charging me monthly fees for my chequing account and not refunding them even though I always have the required fee-waiving minimum balance at the end of the month as per the service agreement. Read the fine print again, I'm pretty sure the condition is that your account balance stays above the minimum for the entire period, not just the end of month, so if you've ever dipped below the min on any particular month you'll be dinged the account fee for that month.
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Feb 13, 2018 17:13
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Tipps posted:It's been 3 consecutive months now that TD keeps charging me monthly fees for my chequing account and not refunding them even though I always have the required fee-waiving minimum balance at the end of the month as per the service agreement. You can only dip below if you fix it by the end of the day. If you end any day during the month below the required minimum, you get charged the fee. It's right in the fine print: https://www.td.com/ca/en/personal-banking/products/bank-accounts/chequing-accounts/ Just click on the 2 beside the fee for any account: 2 Minimum monthly balance indicated must be maintained at the end of each day in the month to qualify for the fee rebate. Kal Torak fucked around with this message at 17:19 on Feb 13, 2018 |
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Feb 13, 2018 17:17
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Oh gently caress me then. Thank you for the swift rear end-kicking.
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Feb 13, 2018 17:56
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Mezzanon posted:Oh that's much more reassuring. I just plugged it into a thing online and it said I was supposed to have 8, 000 in total deductions taken off but I only had 6, 000 in total so I was pooping my pants. I just looked up tax tables from the previous year, and yeah, at $24k, $1,800 total is about right. Still, getting their software (unless it's whatever online calculator I used during my one year of volunteering) to add an extra $50 every biweekly cheque shouldn't be too hard.
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Feb 13, 2018 20:42
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mojo1701a posted:I just looked up tax tables from the previous year, and yeah, at $24k, $1,800 total is about right. Still, getting their software (unless it's whatever online calculator I used during my one year of volunteering) to add an extra $50 every biweekly cheque shouldn't be too hard. That is 100% my plan going forward! Edit: $351 owed, not as bad as I thought. Mezzanon fucked around with this message at 23:05 on Feb 13, 2018 |
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Feb 13, 2018 20:50
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Jordan7hm posted:In Quebec the marginal rate is nearly 30% at that point and he’ll owe more than 500$. Kinda depends where he is. Thank you, I knew the provinces varied I did not realize it was by that much.
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Feb 13, 2018 23:35
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Tipps posted:Oh gently caress me then. Get a Tangerine account, never pay fees. Also get interest on your checking account 
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Feb 14, 2018 05:13
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Quick reminder to anyone who does everything all at once WRT fund rebalancing on TD EZweb: be careful, it resets the account where your mutual funds are to the first listed, so if you are balancing funds in two different accounts, like say RSP and TFSA, you run the risk of double paying one and nothing to the other if you aren't paying close attention. Fortunately I caught this when it happened but having to reset your account to buy each fund it a pain and really stupid web design IMO. OTOH, checking how things went this past year and not too shabby. I am so glad I found this thread, read 4 Pillars, and learned to not give a poo poo about how the markets are doing day to day.
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Feb 14, 2018 05:18
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Anyone know where I can find legacy bank of montreal plan documents? I was going over my yearly finances and noted that for 2016 and 2017 I've been paying a 10 dollar monthly plan fee despite being consistently double the minimum balance amount (3000). Strangely enough I seem to be with their 'plus plan' rather than 'premium plan' - which I used to be... Stupid on my part not noticing this earlier, wondering what sort of argument / documentation I should arm myself with prior to a visit... Thanks!
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Feb 14, 2018 14:42
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Bilirubin posted:Get a Tangerine account, never pay fees. Also get interest on your checking account I live in Iqaluit, and the only way in or out is by plane to Ottawa, at around 2500$ round trip. At least until next year when Aeroplan goes bust, using TD's Aeroplan visa card on literally everything, including 2x points for groceries and gas, allows us to fly out for free 4 to 6 times a year (~10-15k worth of flights). The all-inclusive chequing account waives/refunds the annual fee for the card (130$ or something). So assuming I can keep the minimum balance and not keep getting dinged fees, I come out ahead. It's also a lot more convenient for everything to be in one place now (including the the self-directed investments I already had), since banking options locally are very limited, and relaying everything through southern branches sucks. If I had Aeroplan points for every time I had to explain to a call centre drone that, no, we don't have street addresses up here, I would have another free flight or two. The joys of living in the north. 
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Feb 14, 2018 15:46
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