Search found 4807 matches

by BRIAN5000
22 Jun 2017 02:54
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 61
Views: 1454

Re: What would you tell someone who wants to get started investing?

5. No fixed income?? No emergency fund?? Bank of Dad will continue to cover that, as it always has. I don't like this idea to much, my daughter will have to decide on her own AA (with help if she asks) and in her mind have no backup from dad. I believe she needs to be an autonomus individual and lo...
by BRIAN5000
22 Jun 2017 00:14
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 61
Views: 1454

Re: What would you tell someone who wants to get started investing?

[quote=BRIAN5000 ..... you can use a PACC monthly..... After your earlier post, I looked at the BlackRock PACC quickly yesterday. The mechanics weren't clear to me. Right now, my daughter has set up a PAC to move funds from her bank account to the brokerage. Do you use the BR PACC to move funds fro...
by BRIAN5000
21 Jun 2017 17:54
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 61
Views: 1454

Re: What would you tell someone who wants to get started investing?

4. Costs matter. Diversification matters. I'll do the first few trades. I'll do so in a pattern easily replicable. She can take over when she cares to. No trade for less than $1K. XAW or VXC for ex-Canada. VCN and VDY for in Canada. (Refinements like NG to buy US domiciled ETFs in an RRSP can wait....
by BRIAN5000
21 Jun 2017 13:35
Forum: Taxing Situations
Topic: Looking for advice on selling mother-in-laws house.
Replies: 8
Views: 207

Re: Looking for advice on selling mother-in-laws house.

FIL had numerous GIC's over 4 different banks so we've tracked them down and they were all set to just roll over on maturity. We've changed that so now when they mature we take the funds and put it into Mawer 104. On death of a GIC holder they sometimes become cashable if funds are required this ma...
by BRIAN5000
21 Jun 2017 13:28
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 61
Views: 1454

Re: What would you tell someone who wants to get started investing?

Now that they are in her name she claims the dividends. Not if she's a minor, if the money came from you dividends must should be claimed on your tax return. Just like a GIC in your wife's name if you were the one giving her the money to invest in a GIC the T4 comes in her name interest should be c...
by BRIAN5000
19 Jun 2017 18:05
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 61
Views: 1454

Re: What would you tell someone who wants to get started investing?

If someone you know said to you "I really want to save, invest, and really do more with my money" where would you get them started? I'd tell them to visit The Connolly Report website. Lots of good information from a guy who has been following his strategy for over 36 years successfully. He does not...
by BRIAN5000
19 Jun 2017 15:34
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 61
Views: 1454

Re: What would you tell someone who wants to get started investing?

Anyone recommending iShares PACC plans for new investors? With a little help to set up help pick AA and which Etfs might be ok. https://www.blackrock.com/ca/individual/en/literature/brochure/pacc-en-ca.pdf $50 minimum into each Etf you already own, two or three Etfs and you could have a pretty easy ...
by BRIAN5000
16 Jun 2017 21:27
Forum: Financial Planning and Building Portfolios
Topic: Portfolio creation [with some US taxation considerations]
Replies: 12
Views: 173

Re: Portfolio creation

IF she is not ready to go DIY, then she should consider engaging Mawer directly and/or Steadyhand and/or Leith Wheeler or similar who will all manage her portfolio on a % of AUM basis. OR she stays where she is. It is not the end of the world to pay 1.91% (she will likely pay at least 1% with Mawer...
by BRIAN5000
14 Jun 2017 23:54
Forum: Financial Planning and Building Portfolios
Topic: Who can see my account information?
Replies: 30
Views: 641

Re: Who can see my account information?

If you are with TDDI and TD Bank, and check the box that says you don't want to share information between these financial institutions...there is a problem if you don't want to receive paper statements. I have been battling for years with TDDI on this issue. Surprised at this, are you a senior, to ...
by BRIAN5000
14 Jun 2017 17:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 235
Views: 23566

Re: What did you Buy? What might you buy? (2017)

I bought ENB yesterday @51.20, missed out on the low of $51.00. Almost 52 week low and not moving up today much. One of the long holds for me. A guest on BNN this morning was saying he thought pipelines were a good buy and undervalued. Shoulda bought it today :? I'm looking at adding some more ENB ...
by BRIAN5000
14 Jun 2017 14:45
Forum: Financial Planning and Building Portfolios
Topic: Who can see my account information?
Replies: 30
Views: 641

Re: Who can see my account information?

When you sign up at TD originally or maybe even just using a teller (they may slide the question in) they have a checkbox that needs to be ticked for the bank and the brokerage to share information. I think they can see that you're a customer at TDI but not balances unless you agree to share informa...
by BRIAN5000
13 Jun 2017 15:02
Forum: Taxing Situations
Topic: Tax Installments
Replies: 371
Views: 35117

Re: Tax Installments

fundamental wrote:
14 Mar 2017 10:40
A reminder that quarterly tax installments are due tomorrow. :!:
It's almost that time again! :!:
by BRIAN5000
12 Jun 2017 15:42
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 273
Views: 14801

Re: High interest rates for savings, GICs and MMFs (2017)

AltaRed wrote:
12 Jun 2017 15:19
It's almost always a phishing attempt. Never click on anything like that. Use your own trusted access to find out if you indeed have a GIC for that much, maturing on that specific date.
Yup I agree, I don't want them to send this anymore supposingly I have no choice.(but I'm checking into that)
by BRIAN5000
12 Jun 2017 15:05
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 273
Views: 14801

Re: High interest rates for savings, GICs and MMFs (2017)

Just got an email from Oaken this morning From - Service Subject - Notification Maturity Alert WTF? Didn't know what it was for a minute didn't see the non highlighted text never got one of these before. On closer inspection, My email displays part of the text in the subject line Oaken Alert: Your O...
by BRIAN5000
10 Jun 2017 16:01
Forum: Under the Mattress: Protecting Your Money
Topic: Historical 5 Yr GICs
Replies: 35
Views: 857

Re: Historical 5 Yr GICs

FWIW, our debate is meaningless for a large percentage of investors, especially seniors. but maybe not for the seniors on this board? Choosing a workable plan, in the first place, is the sensible thing to do, even for senior investors. Variable income in retirement is surely not my goal I'm not int...
by BRIAN5000
08 Jun 2017 14:38
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Tim Hortons (THI)
Replies: 284
Views: 43443

Re: Tim Hortons (THI)

Tim Hortons raised its price for a large coffee from $1.95 to $2.09 yesterday in B.C :x Seeing my wife gives me an allowance of $2.00 a day I can no longer afford to go to Timmies every day unless I downsize my beverage.
by BRIAN5000
05 Jun 2017 15:49
Forum: Retirement, Pensions and Peace of Mind
Topic: Strategy for stock market correction
Replies: 29
Views: 1026

Re: Strategy for stock market correction

A quote from my IPS (which was directly copied vastly plagiarized from Libra website) "Changes to personal circumstances that alter risk tolerance or time horizon should be incorporated in any revision. Market price movements, other than for the purpose of rebalancing are not grounds for revision." ...
by BRIAN5000
05 Jun 2017 15:27
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 273
Views: 14801

Re: High interest rates for savings, GICs and MMFs (2017)

SoninlawofGus wrote:
05 Jun 2017 15:21
The Oaken site seems really slow today, but this page is showing 3.10% for the five-year.
That may be for direct only if you went through GIC Direct for an Oaken Gic you may only get 3%
by BRIAN5000
05 Jun 2017 15:26
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 273
Views: 14801

Re: High interest rates for savings, GICs and MMFs (2017)

I cannot click on certain links, as my company restricts access to external mails accounts. if I do click, I get a nice warning from corporate that all Internet activity is monitored and I'm being a bad boy. :twisted: Ok sorry that's a pretty good reason but this one needs some personal attention f...
by BRIAN5000
05 Jun 2017 14:56
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 273
Views: 14801

Re: High interest rates for savings, GICs and MMFs (2017)

1 -5 Year Rate Special 1 Year at 2.55% 2 Year at 2.75% 3 Year at 2.80% 4 Year at 2.85% 5 Year at 3.00% Minimum $5,000 Available for non-registered, RSP, RIF, TFSA and Corporate. http://mailchi.mp/gicdirect/gicdirect-rate-blast?e=2eaadda83a Once again, may I ask that you mention the source for these...
by BRIAN5000
05 Jun 2017 13:47
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 273
Views: 14801

Re: High interest rates for savings, GICs and MMFs (2017)

1 -5 Year Rate Special
1 Year at 2.55%
2 Year at 2.75%
3 Year at 2.80%
4 Year at 2.85%
5 Year at 3.00%
Minimum $5,000 Available for
non-registered, RSP, RIF, TFSA and Corporate.
http://mailchi.mp/gicdirect/gicdirect-r ... 2eaadda83a
by BRIAN5000
30 May 2017 15:43
Forum: Financial Planning and Building Portfolios
Topic: Investment Books
Replies: 69
Views: 7316

Re: Investment Books

Those aren't the ETF's I'm closet indexing to I'm just using XIU & DIA very few stocks required and combined with an existing portfolio with 1/2 mil of embedded CG it's the best I can do. Any new buys could be more broad based ETFs like you suggest. Rebalancing and death are problems but in absence ...
by BRIAN5000
30 May 2017 14:59
Forum: Financial Planning and Building Portfolios
Topic: Investment Books
Replies: 69
Views: 7316

Re: Investment Books

Also expressed on page 8 of Ben Graham's speech in San Francisco 1963 . "If an investor had been able, by some rough across-the-board diversification to make up a portfolio approximating these averages he would have every reason to expect as good results as were shown by the very intelligent and ca...
by BRIAN5000
27 May 2017 10:53
Forum: Retirement, Pensions and Peace of Mind
Topic: The Mental Mistakes We Make With Retirement Spending
Replies: 26
Views: 1290

Re: The Mental Mistakes We Make With Retirement Spending

Our travel budget is a lot (order of magnitude) higher than this. Generally, first class and this is very expensive. The only time we've spent in first class is when we've wandered through to our seats in the back of the Sardine can. We don't even pay for seat assignment wife says she doesn't care ...
by BRIAN5000
26 May 2017 16:29
Forum: Retirement, Pensions and Peace of Mind
Topic: The Mental Mistakes We Make With Retirement Spending
Replies: 26
Views: 1290

Re: The Mental Mistakes We Make With Retirement Spending

As in the example in the article, I recently shocked everyone by stumping up the money for biz class on our trip to Europe for instance. Not 5 years ago I would have gone as cargo... :o) Our travel agent found us a deal with BA that got us flat beds to Europe for $2700 each return. We get to Amster...