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What the gently caress is up with all the loving heloc ads on cbc newsworld? It's absolutely disguising that a national broadcaster is in cahoots with such terrible financial products.
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Sep 13, 2013 05:08
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By the way, manulife just cut their imfs BT half or more.
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Sep 13, 2013 05:10
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I think this is a really dumb question but gently caress it, I'm gonna let my freak flag fly. How is it politically feasible that marginal rates will increase? Personally I don't mind paying taxes and I don't think I would mind if the combined top marginal rate went from around 46% to say, I dunno, a nordic 50%? I'm assuming all other brackets will also increase. At least for me, it makes very little difference to my lifestyle once I start getting taxed at the top marginal rate. Isn't this partially how marginal taxation is supposed to work anyway? namaste friends fucked around with this message at 05:54 on Jan 17, 2014 |
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Jan 17, 2014 05:52
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I wish more people would be willing to pay attention to information like this.
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Jan 26, 2014 22:07
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Agree with everything you guys are saying.
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Jan 27, 2014 02:27
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Jolarix posted:Simple question unrelated to housing: If the loonie declines another 10% you end up losing 40 bucks. I would ask myself if I could stomach a loss like that or more before deciding.
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Jan 27, 2014 06:51
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If it's not status points, they're worthless.
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Jan 29, 2014 04:06
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Whatever you do, don't buy real estate.
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Feb 1, 2014 08:04
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Lexicon posted:Yeah - I'm jealous. I'd use Wealthfront in a heartbeat if it was in Canada. Did wealthfront just launch our something? A lot of people I know are now taking about it. This week. Specifically starting this week.
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Apr 4, 2014 22:09
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Anyone else dealing with T1135 hell? I've just been informed that I need to fill this poo poo out going back to 2010.
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Apr 20, 2014 02:23
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Kal Torak posted:Who informed you? If it wasn't CRA, you definitely want to file this using the Voluntary Disclosure program or they are going to kill you with penalties ($2,500 per year). My accountant. And yeah, I'm going to use the disclosure. But holy poo poo, I now have to go research the highest price of every single holding and the year end value for the past 4 years.
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Apr 20, 2014 03:53
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How is the Amex supposed to be useful for relocation? In my experience, no amount of preparation will help you with international banking and relocation. I'd love to be proven wrong.
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Apr 22, 2014 00:39
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Rime posted:Anyone touring the world living off interest swears by them, from what I've read. Like, how deep?
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Jun 3, 2014 05:40
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Franks Happy Place posted:Who, Vancity? i want names (of developments) yo
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Jun 3, 2014 06:37
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Thanks guys. So is this stuff cmhc protected? Also are deposits protected to the same extent as a regular bank?
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Jun 3, 2014 07:03
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Cool thanks
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Jun 3, 2014 07:35
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Bro, Max your espp the gently caress out. If the price sucks on buy day, just sell the bitch.
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Jun 3, 2014 22:21
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Anyone got VWO? I've totally got a first world problem. All my poo poo is spread out over multiple accounts in multiple countries and I can't keep track of it all, even with mint. Should I just repatriate it all to my Canadian investment guy? I still have to fill out that T1135 or whatever it is.
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Jun 10, 2014 16:50
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reflex posted:Is there a logical reason to put more than 20% down on a house? At 20% you don't need mortgage insurance, but beyond that it seems you would come out ahead if potential investments can beat your mortgage rate (at current rates that doesn't seem impossible). Yes, the more you put down, the less you have to borrow thus the less you have to pay the bank for the privilege of borrowing that money. You absolutely want to minimize the amount of money you borrow and you want to pay that mortgage off as quickly as possible.
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Jun 19, 2014 15:46
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Lexicon posted:Ever heard of opportunity cost? If you can borrow at 3%, and have a reasonable long term expectation of an average 6% balanced portfolio return - why would you pay off quickly? Because unlike every other Canadian, I'm not holding much hope that the housing market is going to land softly. Do you think Canadian portfolio is going to do well in the near future? What about if the housing market starts to go?
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Jun 19, 2014 17:24
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Kal Torak posted:The richest people are the ones who best use leverage. Borrowing to invest can be a good strategy provided you know what you are doing. Yup. Totally agreed.
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Jun 19, 2014 17:24
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Cmon man. Haven't you been following what happened with securitization during the great recession? Do you think institutional investors aren't gonna get hosed when their cds's go to zero? E: Lexicon, this is all beyond my point. I don't think it's prudent for amateur investors to come in here and ask general questions when the real answer is incredibly complicated and gilded with terrible consequences. namaste friends fucked around with this message at 17:42 on Jun 19, 2014 |
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Jun 19, 2014 17:39
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Lexicon posted:So I should liquidate my relatively-minor VCN holdings then? And buy what? Gold and tinned food? Not you. The poor guy who has no idea if it's a good idea to slap 20% down to experience pride of ownership.
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Jun 19, 2014 17:44
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That's not helpful frank. For a sophisticated investor, absolutely now is the time to be going all Gordon gekko and poo poo on equities. Money is loving cheap as hell to borrow. Margin that bitch son. For a layman, this is hardly good advice, considering their goals are to figure out how to make a life out of this miserable country.
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Jun 19, 2014 17:57
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What happens to vastly inferior funds like this? Do they eventually close up? Can you track the movements of the fund manager?
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Jul 17, 2014 01:21
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So, who's in energy here? I know I am (through my advisor). https://businessincanada.com/2014/07/30/suncor-energy-q2-earnings-results/ quote:Suncor Energy (SU), Canada’s largest energy company, released its second-quarter results at 10:00pm (EDT). I think this is really significant, because Canada's economy is otherwise poo poo except for Alberta's herculean growth.
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Jul 31, 2014 04:30
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slidebite posted:I wonder if someone got their fingers rapped over those stats can job numbers. Are you kidding me? It's loving government. There are no consequences for underperformance. E: edited for snark. Forgot this isn't a dnd thread, sorry
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Aug 16, 2014 02:32
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Does this article make sense to any of you? Looking for a fact check. http://mainlymacro.blogspot.co.uk/2014/04/house-prices-and-secular-stagnation.html
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Aug 23, 2014 17:44
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If you're worried, you don't have to go all in with self directed. Take out some money and play with it to build up knowledge and confidence.
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Sep 8, 2014 23:50
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You're NOBODY until you have have an HSBC Premier account I don't have one
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Sep 19, 2014 01:34
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It's kind of a scam. Supposedly it makes moving money between countries much easier and it allows you to open an account in a foreign country easy. If you've ever had to open a bank account in a foreign country, especially one in the EU, holy moly you will understand what I'm talking about and how this is a benefit. Also, access to an HSBC wealth manager  Mostly it's the ultimate way of showing people you're rich when you pull an HSBC premier debit card out of your wallet.
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Sep 19, 2014 02:32
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Trying to apply for a US TD account is like pulling teeth. Their customer service is based out of some southern US shithole staffed by barely literate neanderthals. It is also a useless account, as you have acknowledged, because there are no loving TD ATMs in Washington state (and all of the west coast). Short of getting a US social security card and a US address (so you can get an awesome First Tech Federal Credit Union account), just get a TD US dollar account and the associated US dollar credit card (whatever it is). gently caress US TD in the loving rear end. I hate those motherfuckers with the fury of a thousand suns. They are the loving worst. Really, the best option imo is just pay for everything at the going exchange rate out of your canadian accounts. It's not worth the effort unless you're getting paid in US dollars by an American company.
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Sep 21, 2014 17:18
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Guest2553 posted:US banktalk - for something like that I'd recommend going with a local credit union. I needed my Canadian passport to open it, but didn't have any trouble doing so at the first bank I visited. You could try calling ahead to see what's required if time is at a premium. Smaller branches are less likely to gently caress with you and the people are nicer, in my experience (sample size = 1). Not only is the account free but cheques are free, ATM fees are refunded and I'm making ~1.2% interest in a I opened mine in February at First Tech. I love them to bits but as far as I know, there's no way to open account there without an SS number, much less a US mailing address.
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Sep 21, 2014 20:53
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chequing account 
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blah_blah posted:I wanted a Palladium card awhile back so I went through the song and dance with Chase Private Client, but I couldn't convince them to let me get one without initially letting them manage 100k of my assets (which they expect to go up to a minimum of 250k). Too bad, card is baller as gently caress, and I could justify it with the free United Club membership: Bro, united club is quite possibly the loving worst. I hate air canada but holy poo poo at least they let you pour your own fuckin booze in the maple leaf lounge. e: by any chance are you using Wealthfront or Betterment? WF got me 7% return in from March to about June and it's just stalled out since. SORRY FOR THE EXPAT CHAT EVERYONE~ namaste friends fucked around with this message at 05:35 on Sep 22, 2014 |
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Sep 22, 2014 05:33
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e:oh poo poo sorry namaste friends fucked around with this message at 02:03 on Sep 25, 2014 |
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Sep 25, 2014 02:00
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So wtf is going on e: omg lol http://www.bloomberg.com/news/2014-09-25/china-foreign-exchange-watchdog-finds-10-billion-in-fake-trade.html gently caress you china namaste friends fucked around with this message at 16:16 on Sep 25, 2014 |
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Sep 25, 2014 16:14
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Does anyone use 1password or anything else like lastpass? What's the difference?
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Oct 2, 2014 01:30
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I currently use lastpass and it's pretty good. It's just that they lost root certificate or something 5 years ago and their entire vault was busted in. I stopped using dropbox when they made condi a board member.
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Oct 2, 2014 05:52
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My g/f says she'll believe it when she sees it. These tfsa rumours come out every year.
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Oct 3, 2014 23:41
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I'm looking to invest in payday loan companies publicly traded in Canada. Any suggestions? All I'm finding are scrubs who are also involved with mortgage lending. e: found a nice list of them here http://www.cpla-acps.ca/english/aboutmembers.php e2: sweeeeet http://www.parl.gc.ca/content/lop/researchpublications/prb0581-e.html namaste friends fucked around with this message at 21:08 on Oct 15, 2014 |
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Oct 15, 2014 21:03
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