Search found 562 matches

by flywaysuzy
30 Oct 2017 17:16
Forum: Financial Planning and Building Portfolios
Topic: No pension, small inheritance, age 53... to RE or not to RE?
Replies: 51
Views: 1433

Re: No pension, small inheritance, age 53... to RE or not to RE?

If your end goal is to retire somewhere warmer than Toronto, I don't see the sense in committing yourself to a huge down payment and expensive mortgage payments on a dumpy, tiny, noisy apartment. Any idea where your someplace warmer might be? It might be worth your while to consider purchasing somet...
by flywaysuzy
02 Sep 2017 19:34
Forum: Financial Planning and Building Portfolios
Topic: How to invest a lump sum
Replies: 24
Views: 1053

Re: How to invest a lump sum

WS, if it was me, I would set a goal: have all this money out of the cash account by Dec. 15. Figure out how much of the total you want in fixed income, gics or? Do you want the rest in stocks or ETFs? If stocks, I would find 10 stocks to make up $100k ( if that was my equity amount) if Etfs, find 5...
by flywaysuzy
26 Apr 2017 11:58
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Home Capital Group (Symbol-HCG)
Replies: 263
Views: 14592

Re: Home Capital Group (Symbol-HCG)

If people aren't comfortable plunking down their savings to buy a gic from this company, then they have no money to loan out at a profit. Thus no business going forward. I am sure it is a comfort knowing you might have cdic coverage for deposits under 100k but does anybody know the timeline for such...
by flywaysuzy
20 Mar 2017 16:38
Forum: Retirement, Pensions and Peace of Mind
Topic: To retire/stay home or not
Replies: 38
Views: 5382

Re: To retire/stay home or not

A toxic workplace is not very good for anyone's health. Your adrenal glands will thank you for the wise decision to head for the door... That's why it is good to have money put aside so you always have options open to you.
Well done e-girl and family!
by flywaysuzy
05 Mar 2017 10:53
Forum: Under the Mattress: Protecting Your Money
Topic: how do you guys negotiate with car salesman to buy new car?
Replies: 65
Views: 8209

Re: how do you guys negotiate with car salesman to buy new car?

I shopped around for my Rav4, and eventually found one with 4000km at a dealership. Saved me several thousand dollars from buying one here- although I did have to put in block heater. ( they actually start quite well without plugging in due to remarkable viscosity of synthetic oils used today...!)
by flywaysuzy
20 Feb 2017 12:53
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Trying to get mortgage for 1970 mobile home
Replies: 3
Views: 404

Re: Trying to get mortgage for 1970 mobile home

When I was a single mom (30 years ago!) I went to my local credit union and spoke to an idiot who said the trailer on the land I was purchasing was too old to qualify for a mortgage, I then went the the royal bank, where the nice intelligent employee said I could get half the amount as a low rate cm...
by flywaysuzy
04 Feb 2017 18:06
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: non-resident property insurance
Replies: 7
Views: 619

Re: non-resident property insurance

You would want the insuance company's definition of resident first- who would want to pay for premiums for insurance that might not pay out when you did have a claim?
by flywaysuzy
04 Feb 2017 18:02
Forum: Retirement, Pensions and Peace of Mind
Topic: Who keeps a paper trail?
Replies: 23
Views: 2190

Re: Who keeps a paper trail?

I have been weeding through old income tax files and drawers. It feels very productive! No door to door anybody here-I have the Princess of the Pyrenees on guard in my yard. Better than a moat! She will be moving to the barnyard when lambing begins. I should make a recording of her barking and have ...
by flywaysuzy
18 Jan 2017 11:12
Forum: Financial News, Policy and Economics
Topic: Has your Investment Policy Changed After the US Election
Replies: 88
Views: 5152

Re: Has your Investment Policy Changed After the US Election

Volitility :thumbsup: I have more cash on hand but not for any stock market reasons- have been looking for some extra pastureland/woodlot.
by flywaysuzy
09 Jan 2017 13:17
Forum: Financial Planning and Building Portfolios
Topic: Putting your eggs in two baskets
Replies: 21
Views: 1809

Re: Putting your eggs in two baskets

I have dealings with 4 or 5 institutions, some are just vestigal. I opened an account at the credit union to get a yearly discount on my property insurance but now am moving my PT tfsa there because of the 2% term deposit rate. They will phone in December and offer you that rate and if it goes up in...
by flywaysuzy
08 Jan 2017 11:53
Forum: Retirement, Pensions and Peace of Mind
Topic: Valuing Home Equity in the Event of Marriage Breakdown
Replies: 14
Views: 747

Re: Valuing Home Equity in the Event of Marriage Breakdown

You are assuming each of them contributed an equal amount for the down payment?
by flywaysuzy
26 Nov 2016 12:16
Forum: Financial Planning and Building Portfolios
Topic: Canadians have no emergency fund
Replies: 80
Views: 4327

Re: Canadians have no emergency fund

As parents, I suspect we are all emergency funds. :)
by flywaysuzy
16 Nov 2016 11:18
Forum: Retirement, Pensions and Peace of Mind
Topic: What is formula for calculating pensionable service?
Replies: 12
Views: 878

Re: What is formula for calculating pensionable service?

Your basic medical is variable depending on the province you live in. In BC, the annual premium varies from $460-$900/year, depending on your annual income, probably based on your income from the previous year. Additional coverage- dental, extended health, etc. could be obtained from an insurance co...
by flywaysuzy
07 Nov 2016 12:16
Forum: Under the Mattress: Protecting Your Money
Topic: Consumer Gullibility
Replies: 63
Views: 5154

Re: Consumer Gullibility

Regarding winter storage of engines- I put fuel stabilizer in all the tanks, 2 and 4 cycle -every fall, have never had an issuestarting up in the spring. A tank full of fuel gets no condensation.
by flywaysuzy
06 Nov 2016 16:59
Forum: Under the Mattress: Protecting Your Money
Topic: to buy new or used car?
Replies: 1231
Views: 59998

Re: to buy new or used car?

Toyata made the matrix, a med./ small station wagon, until 2014. Must be a few used models out there. It was also a GM vibe under their fittings. Toyota also has a Venza station wagon. My old highlander was classed as a station wagon since it had only a front wheel drive train.
by flywaysuzy
06 Nov 2016 12:06
Forum: Under the Mattress: Protecting Your Money
Topic: Telephone scams
Replies: 44
Views: 2828

Re: Telephone scams

Card was Canadian, being used in Canada, PI. Sad to say, the phishing scammers already have my name, credit card #, all they are after is the 3 or four digit code on the back of the card. Oh well, credit card is defunct now. Hard to believe this particular phone number has been in use for many years...
by flywaysuzy
05 Nov 2016 11:24
Forum: Under the Mattress: Protecting Your Money
Topic: Telephone scams
Replies: 44
Views: 2828

Re: Telephone scams

If it was an American toll free number maybe that's why the Canadian service centre didn't know anything about the Carribean cruise contest? When I did a google search, I did turn up one reference to that same phone number as a scam-from 2010... Makes you wonder. Am getting new card anyways. Will no...
by flywaysuzy
04 Nov 2016 15:46
Forum: Under the Mattress: Protecting Your Money
Topic: Telephone scams
Replies: 44
Views: 2828

Re: Telephone scams

Yes, even the voice tone sounded off, then the mention of the carribean holiday. I hung up at this point and then called # on back of card. They couldn't verify the number as being one of the bank's. They were decidedly uninterested in how the scammers could tell they had flagged my card within an h...
by flywaysuzy
04 Nov 2016 11:46
Forum: Under the Mattress: Protecting Your Money
Topic: Telephone scams
Replies: 44
Views: 2828

Re: Telephone scams

Here's one: Yesterday I was at the feed store, dogfood- tap card. Then thought of something else- Tap card. Then went back in for something else, went to tap card and it was denied. (Credit cards must be like baseball, three strikes and you're out) so paid with other card and went home, where a mess...
by flywaysuzy
19 Sep 2016 18:07
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement - is it over-rated?
Replies: 263
Views: 14347

Re: Retirement - is it over-rated?

#3, I guess. Retired from having to commute to town four days a week for my day job -at the age of 56! Have been happily retired for a year now, while still enjoying my little farm. Being a little bit ' differentially abled ' means some chores take longer to complete and I can't overdo certain limbs...
by flywaysuzy
03 Sep 2016 19:56
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Buying home near train tracks in Winnipeg?
Replies: 38
Views: 2029

Re: Buying home near train tracks in Winnipeg?

I have a CN track on the eastern property line. I have noticed that they don't vibrate the mirror leaning against a wall as they had in the past. Some trains used to haul coal I remember and I don't see that any more. Might be the heavier the load, the more vibration. Also it may depend some on the ...
by flywaysuzy
30 Aug 2016 21:46
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Agrium (Symbol-AGU)
Replies: 11
Views: 2278

Re: Agrium (Symbol-AGU)

If they merged-they should become Potashium... :D
by flywaysuzy
21 Aug 2016 12:46
Forum: Under the Mattress: Protecting Your Money
Topic: to buy new or used car?
Replies: 1231
Views: 59998

Re: to buy new or used car?

But the little Fiats are cute to look at! :D