Search found 3590 matches

by like_to_retire
03 Oct 2016 18:22
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI - New WebBroker interface
Replies: 152
Views: 9549

Re: TDDI - New WebBroker interface

As I believe you've been told before you can change the logged in home page to something else, like your balances page. Yeah, and you may have missed my point that the default home page likes to reveal how much your portfolio has changed in the last day. Is this important information for investors?...
by like_to_retire
03 Oct 2016 16:36
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI - New WebBroker interface
Replies: 152
Views: 9549

Re: TDDI - New WebBroker interface

I never noticed the jumpy banner myself, but someone on another forum was also irritated by it, and just today posted that it was fixed, so you may be in luck in that department. OMG, that's amazing. I immediately went and checked out your assertion, and you're absolutely correct. After all this ti...
by like_to_retire
03 Oct 2016 16:13
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI - New WebBroker interface
Replies: 152
Views: 9549

Re: TDDI - New WebBroker interface

Well, the time is finally nigh. Tomorrow there will be no more Old WebBroker at TDDI. We're told that tomorrow we are: ------------------- Transitioning to the new WebBroker, the new standard. At TD Direct Investing, we're always listening to your feedback and continually innovating to bring you an ...
by like_to_retire
01 Oct 2016 13:56
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2016)
Replies: 489
Views: 33417

Re: High interest rates for savings, GICs and MMFs (2016)

Then there are the clients that compare 0.8 at Tang to the pittance the big 5 offer and think it's a great deal. I imagine that's a much larger base than peeps chasing the highest rates every 90 days. But the HISA at TDDI is 0.75% - not much of a difference to 0.80%. Certainly not enough for me to ...
by like_to_retire
01 Oct 2016 11:20
Forum: Retirement, Pensions and Peace of Mind
Topic: Avoid the consequences of being wrong
Replies: 30
Views: 1541

Re: Avoid the consequences of being wrong

I especially liked this line, Actually the entire answer is quite good. CR: What should they do, given the prevailing interest rate environment? As we speak in June 2016, German bonds just went negative. Some of our members feel that low interest rates are pushing them into higher dividend-paying s...
by like_to_retire
29 Sep 2016 15:46
Forum: Retirement, Pensions and Peace of Mind
Topic: The best annuity in Canada today!
Replies: 42
Views: 1983

Re: The best annuity in Canada today!

Seems to me that if the actuaries are doing their job properly, that age should not matter...everything is adjusted based on the life expectancy of your age cohort and is priced accordingly. Perfect example of actuaries perhaps not doing their job are the changes in CPP in 2012 where they increased...
by like_to_retire
29 Sep 2016 14:31
Forum: Retirement, Pensions and Peace of Mind
Topic: The best annuity in Canada today!
Replies: 42
Views: 1983

Re: The best annuity in Canada today!

gaspr wrote:Shameless bump...surprised no one has commented...
I took OAS at 65 because I felt:
1. By delaying OAS, it eventually results in higher income down the road along with higher clawback.

2. The bird in hand since governments love to change rules.

ltr
by like_to_retire
26 Sep 2016 16:14
Forum: Retirement, Pensions and Peace of Mind
Topic: Public vs Private Pension - Envy and Debate
Replies: 906
Views: 56789

Re: Public vs Private Pension - Envy and Debate

NorthernRaven wrote:The big winner would be someone who gets a big promotion towards the end, so they pay for a lot of years at a significantly lower salary, but finish out high.
Yes, now you've got it
by like_to_retire
26 Sep 2016 14:45
Forum: Retirement, Pensions and Peace of Mind
Topic: Public vs Private Pension - Envy and Debate
Replies: 906
Views: 56789

Re: Public vs Private Pension - Envy and Debate

NorthernRaven wrote:Public service pensions usually vest earned credits after two years - it isn't like the American movies where the cop is threatened with losing his pension six months before his 20 years are in... If you leave, you can take the commuted value or a deferred annuity.NR's explanati...
by like_to_retire
23 Sep 2016 15:51
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2016)
Replies: 261
Views: 23357

Re: What did you sell? What might you sell? (2016)

I like those reports too, would you buy a stock rated an "8", the reason I ask Teck Corp is an eight, pretty different stock then National bank. Sold half my Teck corp will try to squeeze a tad more out of this dog. Yeah, I stay away from materials, too much volatility. After a continual five year ...
by like_to_retire
22 Sep 2016 16:34
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2016)
Replies: 261
Views: 23357

Re: What did you sell? What might you sell? (2016)

Sold the remainder of National Bank several days ago. Interesting. Since I own National Bank, I'm always keen when someone sells all their shares. What do others know that I have missed? I'm a buy and hold kind of guy, so I look at the long term chart and see about 1000% over the last 20 years or s...
by like_to_retire
22 Sep 2016 11:19
Forum: Financial Planning and Building Portfolios
Topic: Possible to keep ETF door open when transferring to index funds?
Replies: 11
Views: 536

Re: Possible to keep ETF door open when transferring to index funds?

...main mechanisms for capital gain is (i) a fund manager sells "capital assets" (my phrase, not sure if there is a proper term) at a higher price than it was bought,.... Sure, there's lots of jiggery-pokey that goes on in a fund (either exchange traded or mutual), and at the end of the year you'll...
by like_to_retire
22 Sep 2016 10:10
Forum: Financial Planning and Building Portfolios
Topic: Fixed Income
Replies: 3
Views: 403

Re: Fixed Income

This concerns me as interest rates don't have room to go down so if they move, they can only go up. I don't know too much about these things. Maybe I shouldn't be concerned? How much would a bond etf fall if interest rates rise? Depends on the duration of the ETF. If the duration is 10 years for ex...
by like_to_retire
21 Sep 2016 17:57
Forum: Taxing Situations
Topic: Tax Installments
Replies: 379
Views: 36950

Re: Tax Installments

The difference between the taxes I eventually paid and the amount that was deducted? No one deducts taxes except Nat'l bank. I admit I am perhaps now confused. Let me see if I understand you. If my total taxes that I ended up paying were say $10,000. Say Nat'l remitted $500. I assume that would be ...
by like_to_retire
21 Sep 2016 16:18
Forum: Taxing Situations
Topic: Tax Installments
Replies: 379
Views: 36950

Re: Tax Installments

They are asking for you to pay installments equal to the difference between your total taxes for 2015 and the Income tax deducted in 2015. Yeah, and it's always seemed reasonable enough to me, even though I hate paying taxes. How else could they possibly do it than look at the previous year's incom...
by like_to_retire
21 Sep 2016 10:21
Forum: Financial Planning and Building Portfolios
Topic: Possible to keep ETF door open when transferring to index funds?
Replies: 11
Views: 536

Re: Possible to keep ETF door open when transferring to index funds?

I guess the flip side to that is that I can move funds between invest products in a registered account without the capital tax gains. Something that I didn't think of, and something to consider Remember, the downside to this is that you can't take advantage and claim capital losses in a registered ...
by like_to_retire
20 Sep 2016 08:26
Forum: Financial Planning and Building Portfolios
Topic: Possible to keep ETF door open when transferring to index funds?
Replies: 11
Views: 536

Re: Possible to keep ETF door open when transferring to index funds?

If I migrate funds from index funds to ETFs, however, would that incur capital gains? Yes. there is much made about the $10/transaction for ETFs If you contribute once a month, that's just $120/year. It seems kind of trivial (but my current bar is pretty bad -- the exorbitant costs of traditional m...
by like_to_retire
19 Sep 2016 16:09
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement - is it over-rated?
Replies: 263
Views: 15094

Re: Retirement - is it over-rated?

I'm retired 10 years and lovin it. Took a few years to get over the identity change (ie my identity was tied up in my job). Love the freedom of not working. Agreed, and after 10 years of retirement, I'm still quite appreciative that they pay me to stay home, and index the payment to boot. Leaves lo...
by like_to_retire
17 Sep 2016 16:42
Forum: Financial Planning and Building Portfolios
Topic: Asset Allocation: Buying a house, any downsides to classifying real estate under the "bonds" portion of portfolio?
Replies: 34
Views: 1445

Re: Asset Allocation: Buying a house, any downsides to classifying real estate under the "bonds" portion of portfolio?

mortgage rates are at an all-time low so we expect the money to have a higher return in our investment portfolios I don't know, I have a hard time finding ~ 3%-4% tax free guaranteed investments. The best I can do is GIC's at around 2.5% taxable that result in about 1.25% - 1.5% after tax. The othe...
by like_to_retire
16 Sep 2016 18:19
Forum: Financial Planning and Building Portfolios
Topic: Passive Investing
Replies: 72
Views: 2934

Re: Passive Investing

How much evidence do people need? Exactly, and I look at the final BTSX (Beating The TSX) article in Canadian Money Saver for 2015 where it showed that after 28 years the strategy has beat the index by 25%. Then when the mantle was passed and I read the 2016 article by the newest torch bearer who h...
by like_to_retire
16 Sep 2016 09:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Tranferring funds to Tangerine: Dollar Cost Averaging & Capital Gains
Replies: 11
Views: 822

Re: Tranferring funds to Tangerine: Dollar Cost Averaging & Capital Gains

As for why not the banks... because my single exposure (reading, that is, not investing) was with a bank's index fund, and the MER was way too high. I'm not sure I understand. An ETF has nothing to do with the bank brokerage. When you buy an index ETF with TDDI brokerage for example, there's no sin...
by like_to_retire
15 Sep 2016 12:06
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Tranferring funds to Tangerine: Dollar Cost Averaging & Capital Gains
Replies: 11
Views: 822

Re: Tranferring funds to Tangerine: Dollar Cost Averaging & Capital Gains

I'm going to be transferring funds to a Tangerine fund from (i) a registered mutual fund, (ii) a nonregistered mutual, and (iii) a chequing account. Is there a good reason to choose mutual funds at Tangerine? Have you considered transferring to one of the five big banks brokerage and simply purchas...
by like_to_retire
09 Sep 2016 11:22
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Buying home near train tracks in Winnipeg?
Replies: 38
Views: 2189

Re: Buying home near train tracks in Winnipeg?

gbill2004 wrote:get a sense of the whistle in the distance and then the actual train passing.
Oh man, that train is really close and it must have been a mile long.

The person sleeping in that back bedroom would not enjoy that.

I vote no.

ltr
by like_to_retire
08 Sep 2016 15:25
Forum: Retirement, Pensions and Peace of Mind
Topic: RRIF advice please
Replies: 77
Views: 4753

Re: RRIF advice please

2of3aintbad wrote:...maybe what you mean is 'in-house big 5 bank'.
Yeah, I thought that's what you were saying. My error.

Anyway, I keep all my business at the one broker. Makes life easier, but it costs.

ltr
by like_to_retire
08 Sep 2016 14:44
Forum: Retirement, Pensions and Peace of Mind
Topic: RRIF advice please
Replies: 77
Views: 4753

Re: RRIF advice please

I am indeed talking about an 'in-house' GIC. I don't think many of us have any in-house bank GIC's. They simply pay terrible. Plus there's the juggling act to keep under the 100K limit for each type of third party GIC's, so I guess my plan of holding aside the withdrawal funds every time a rung com...