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by kcowan
18 Jan 2018 13:46
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 101
Views: 3579

Re: How Did You Do in 2017?

It would seem that TTDI lacks input from true investors. They seem to be tinkering without making true progress.
by kcowan
18 Jan 2018 09:00
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 101
Views: 3579

Re: How Did You Do in 2017?

SQRT wrote:
18 Jan 2018 03:19
Ok but if you have more than one account, why couldn’t you just take the dollar weighted average of them to approximate the total return?
Sure and add in 5 more accounts from other sources and voila my needed spreadsheet. :roll:
by kcowan
17 Jan 2018 15:40
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Market 2018
Replies: 10
Views: 705

Re: Housing Market 2018

Here is a sample of what has been happening in BC:
by kcowan
17 Jan 2018 15:27
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Leasehold Condos
Replies: 17
Views: 381

Re: Leasehold Condos

It might be useful to review an actual case. The Musqueam neighborhood is SFH on leased lots. The Musqueam case is highly atypical. Most leaseholds (whether FN or otherwise) have up front payments. You pay once and that's it for the next 99 years (or portion thereof if a resale)... Actually, prepay...
by kcowan
17 Jan 2018 14:07
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 101
Views: 3579

Re: How Did You Do in 2017?

It seems to me that the DIY brokers have pretty good performance tools now. I think TDDI does for sure. I’m considering dropping all my performance IRR spreadsheets and just using their performance metrics. They do, except that performance can only be aggregated for all accounts under the same 6 di...
by kcowan
17 Jan 2018 06:04
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Leasehold Condos
Replies: 17
Views: 381

Re: Leasehold Condos

Without knowing anything else - the actual term of the ground lease (what if it was written for 75 years, not 99, and there are only 15 years left?), property condition, a "leaky condo", a looted maintenance fund, idiot neighbours, idiot board - it's hard to know why that one is so cheap. Yes when ...
by kcowan
17 Jan 2018 05:52
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 101
Views: 3579

Re: How Did You Do in 2017?

It seems to me that the DIY brokers have pretty good performance tools now. I think TDDI does for sure. I’m considering dropping all my performance IRR spreadsheets and just using their performance metrics. Yes I think TD has a good set of performance tools now. I have maintained my spreadsheet sin...
by kcowan
17 Jan 2018 05:45
Forum: Financial News, Policy and Economics
Topic: Has your Investment Policy Changed After the US Election
Replies: 99
Views: 5904

Re: Has your Investment Policy Changed After the US Election

kumquat wrote:
17 Jan 2018 02:25
Indeed. That's why I've uped the US part of my AA (and lowered Cdn).

That said, the Jerk in Chief is still a jerk, in both countries.
It seems that both countries are chugging along in spite of their ineffective leaders. It seems that Reagan was right: The best government is less government!
by kcowan
16 Jan 2018 17:44
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 101
Views: 3579

Re: How Did You Do in 2017?

Another good example of not trusting what the broker gives you. DIY means exactly that!
by kcowan
16 Jan 2018 09:29
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Finding PE ratios for Canadian companies
Replies: 10
Views: 128

Re: Stock/Bond/Index/Fundamental/Asset Class/Quotes - Sources

Hogwild wrote:
15 Jan 2018 12:47
I don't know if I'd call a P/E of 16.4 vs. 18.1 a minor difference. Thanks, I'll keep this in mind.
What are you using the PE for? I usually use it to compare different stocks so a consistent methodology is more important than the method used.
by kcowan
16 Jan 2018 09:21
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Leasehold Condos
Replies: 17
Views: 381

Re: Leasehold Condos

... be interesting to see data on what happens to leasehold values when the lease starts to run out. Right now most places in town have ~50 years remaining. With so many years left, they're still appreciating. Not very quickly, mind you, but the trend is up. As the lease starts winding down, I wond...
by kcowan
16 Jan 2018 08:49
Forum: Under the Mattress: Protecting Your Money
Topic: Important change to the Amazon.ca Rewards Visa Card program
Replies: 39
Views: 953

Re: Important change to the Amazon.ca Rewards Visa Card program

Have not got my letter yet but expect to shortly. The blame belongs to all of us deadbeats and freeloaders who pay off our balances every month. 8) Yes I think it appealed to seniors who travel and always pay off their balances. I also suspect that amazon was disappointed in the bump in ordering fr...
by kcowan
15 Jan 2018 12:53
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: 2018 Predictions Contest
Replies: 11
Views: 527

Re: 2018 Predictions Contest

Two weeks to go to get your guesses in for 2018.
by kcowan
15 Jan 2018 08:19
Forum: Taxing Situations
Topic: How often to adjust ACB on USD holdings
Replies: 26
Views: 487

Re: How often to adjust ACB on USD holdings

I have heard of CRA catching an unreported T3 or T5, I've never heard of CRA questioning of gain or losses based on the information reported by brokers. I would really appreciate any reports of the CRA questioning the FX rate used and not having a successful outcome. I have had several and all ende...
by kcowan
15 Jan 2018 08:05
Forum: Under the Mattress: Protecting Your Money
Topic: Important change to the Amazon.ca Rewards Visa Card program
Replies: 39
Views: 953

Re: Important change to the Amazon.ca Rewards Visa Card program

Thanks. That kind of puts the 2.5% in perspective for FX withdrawals! Emphasizes the deal that amazon gave us.
by kcowan
15 Jan 2018 07:51
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1956
Views: 170414

Re: TD Direct Investing (was Waterhouse) Service

So, I recently recommended 2 friends to open an TD DI account... I think you just got caught up in the massive FUBAR for TDDI. Me. I would have deferred any action until the FUBAR had settled down. Then I would have gone to a combined TDCT/TDDI branch to complete the apps. My experience with this p...
by kcowan
15 Jan 2018 07:37
Forum: Financial Planning and Building Portfolios
Topic: Net Present Value / Intrinsic Value
Replies: 6
Views: 174

Re: Net Present Value / Intrinsic Value

Would it not be better to add the estimated remediation costs to both calculations?
by kcowan
15 Jan 2018 07:26
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Leasehold Condos
Replies: 17
Views: 381

Re: Leasehold Condos

We have been in a leasehold since 1997. It is inherently cheaper than a comparable freehold. The main capital costs are all the mandatory maintenance items like copper plumbing replacement, building envelope expenses, and internal upgrades like flooring. Ours is on 99 year lease signed in 1966. In 2...
by kcowan
15 Jan 2018 07:05
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Sears Canada (Symbol-SCC)
Replies: 71
Views: 3398

Re: Sears Canada (Symbol-SCC)

OnlyMyOpinion wrote:
14 Jan 2018 22:45
Perhaps a reference to CTC.A's 175% total return over the last 5 years?
Yes I think it is kudos for survival in a tough sector. They are a long way from Nordstroms!
by kcowan
14 Jan 2018 18:16
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Sears Canada (Symbol-SCC)
Replies: 71
Views: 3398

Re: Sears Canada (Symbol-SCC)

When I compare our local (small footprint) Bay with the multi-floor Bay in Vancouver downtown, our local Bay is missing the mark. It should not be a bit of everything in each Department, it should be limited to just some departments. Yes The Bay is best known as the place where you catch the bus to...
by kcowan
14 Jan 2018 17:15
Forum: Under the Mattress: Protecting Your Money
Topic: Important change to the Amazon.ca Rewards Visa Card program
Replies: 39
Views: 953

Re: Important change to the Amazon.ca Rewards Visa Card program

bill2009 wrote:
14 Jan 2018 13:39
do the rogers/fido/home trust cards save on foreign exchange?
As Adrian pointed out, yes to all three. Although the first two do it through 4% cashback.
by kcowan
14 Jan 2018 16:57
Forum: Taxing Situations
Topic: How often to adjust ACB on USD holdings
Replies: 26
Views: 487

Re: How often to adjust ACB on USD holdings

Let's just agree to disagree. I have used the June 30th FX except for the T1135. I apply it to dividends and interest. CRA questioned it last year and I showed them the calculations. "OK thanks CRA said." I agree that it works out the same on average and is much less work. Consistency is really imp...
by kcowan
14 Jan 2018 08:57
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement withdrawal strategy considering my unusual situation? (Long post)
Replies: 24
Views: 974

Re: Retirement withdrawal strategy considering my unusual situation? (Long post)

Norbert Schlenker wrote:
13 Jan 2018 17:43
Her entire income has been managed to keep her in the first bracket, maybe slightly into the second bracket, for ten years.
It might be helpful if you can share how this income was managed? We can all speculate but it would be better to have some facts...
by kcowan
14 Jan 2018 08:37
Forum: Under the Mattress: Protecting Your Money
Topic: Important change to the Amazon.ca Rewards Visa Card program
Replies: 39
Views: 953

Re: Important change to the Amazon.ca Rewards Visa Card program

Select the option to apply points to any outstanding balance. Then make some charges to use it up.
by kcowan
13 Jan 2018 17:35
Forum: Taxing Situations
Topic: Investment accounts in Canada while working in US
Replies: 3
Views: 75

Re: Investment accounts in Canada while working in US

chelavnzuo wrote:
11 Jan 2018 19:52
• I work in the States on an at-will offer, and have intention to come back to Canada in the near future.
What kind of work permit in the US do you have?