Search found 13160 matches

by AltaRed
14 Dec 2017 23:04
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Bust 2017
Replies: 213
Views: 11422

Re: Housing Bust 2017

Still, excessive real estate price escalation, however caused and by whom, has benefited those already in the game the most. One might argue this was a planned conspiracy to benefit the haves the most. The powers-to-be did not understand Econ 101, i.e. that continued relaxation of mortgage rules did...
by AltaRed
14 Dec 2017 22:51
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Power of Dividend Growth 2011 (and beyond)
Replies: 744
Views: 54040

Re: Power of Dividend Growth 2011 (and beyond)

***Unfortunately, its distribution yield is only about 2.6% Why unfortunate? Distribution yield is only part of total return. If dividends have grown by a CAGR of about 7.5%, then in a "directional" way so has EPS and share price appreciation (as JaydoubleU articulated). That is what really counts,...
by AltaRed
14 Dec 2017 21:52
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Agrium (Symbol-AGU)
Replies: 18
Views: 2348

Re: Agrium (Symbol-AGU)

I'd suggest they have been mailed. I don't own the stock

http://www.agrium.com/en/investors/news ... mittal-and
by AltaRed
14 Dec 2017 17:58
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Power of Dividend Growth 2011 (and beyond)
Replies: 744
Views: 54040

Re: Power of Dividend Growth 2011 (and beyond)

A not so good chart of the dividend history of XIU http://www.dividendchannel.com/symbol/xiu.ca/ The overall trend is up, but there are years of stagnation and/or decreases. Granted if one restricted oneself to Dividend Aristocrats, that would/could a little different.
by AltaRed
14 Dec 2017 14:51
Forum: Taxing Situations
Topic: Changing past tax returns (T1-ADJ)
Replies: 6
Views: 127

Re: Changing past tax returns (T1-ADJ)

Peculiar_Investor wrote:
14 Dec 2017 14:27
Thanks for the suggestions. I have been thinking along those same lines myself.
Geez... two engineers thinking alike? :wink:
by AltaRed
14 Dec 2017 14:01
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Preferreds
Replies: 1153
Views: 83561

Re: Preferreds

The article mentions Fortis, Manulife etc but there is no specific discussion other than this rationale: Mr. Grieve calculated that if the bond yield rises to 2.5 per cent, the Fortis preferred shares would be reset at 5.8 per cent, and could send the share price back up to par – implying a gain of...
by AltaRed
14 Dec 2017 12:32
Forum: Taxing Situations
Topic: Changing past tax returns (T1-ADJ)
Replies: 6
Views: 127

Re: Changing past tax returns (T1-ADJ)

I guess it depends on how much money is at stake. While I understand even a few hundreds of dollars may be important to your parents, I'd think of it as 'past money no longer missed' by your parents as they didn't have it for the year, e.g. 2007, in question. It's a judgement call on the amount of e...
by AltaRed
14 Dec 2017 12:09
Forum: Financial Planning and Building Portfolios
Topic: Norbert's Gambit - which online brokerage is best?
Replies: 8
Views: 214

Re: Norbert's Gambit - which online brokerage is best?

My understanding is the NGs vary a bit at discount brokers depending on the back end platforms the discount brokers use. Apparently RBC and BMO use the same platform and thus doing an NG is exactly the same at those 2 brokerages. It is entirely seamless at those brokerages. Picked this info up from ...
by AltaRed
13 Dec 2017 17:59
Forum: Retirement, Pensions and Peace of Mind
Topic: TFSA Contribution 2018
Replies: 30
Views: 1462

Re: TFSA Contribution 2018

It's always a matter of degree. Give $100k of room and smart folks will parlay that into something significant over time. Give them $1M of room and they might parlay that into something 10 times as big. I look at it this way. When the pool of untaxed (and untaxable) capital gets big enough, and/or w...
by AltaRed
13 Dec 2017 15:40
Forum: Retirement, Pensions and Peace of Mind
Topic: TFSA Contribution 2018
Replies: 30
Views: 1462

Re: TFSA Contribution 2018

I think I've mentioned this before....but I believe the lifetime contribution cap will be circa $100k, a short 5 years from now or so. How do you figure 5 years? At contribution limit of 5500 it will take another 8 years to get to 96,000 We are already going to be $57.5k in a few weeks. A move to $...
by AltaRed
13 Dec 2017 09:59
Forum: Retirement, Pensions and Peace of Mind
Topic: TFSA Contribution 2018
Replies: 30
Views: 1462

Re: TFSA Contribution 2018

Anything is possible but limiting lifetime TFSA contributions seems no more likely than any other arbitrarily made-up tax plan. The Liberals especially are most likely to cap lifetime contribution room at some point because ideologically they do not want the 'rich' to have access to perhaps $1 mill...
by AltaRed
12 Dec 2017 15:07
Forum: Under the Mattress: Protecting Your Money
Topic: CIBC Online
Replies: 5
Views: 201

Re: CIBC Online

I am obviously on a 'special' customer list. :evil:
by AltaRed
12 Dec 2017 14:04
Forum: Retirement, Pensions and Peace of Mind
Topic: TFSA Contribution 2018
Replies: 30
Views: 1462

Re: TFSA Contribution 2018

Remember what happened with Cap Gains exemptions and tax rate changes over the decades? It will happen eventually with TFSAs. Naive to think otherwise.
by AltaRed
12 Dec 2017 13:36
Forum: Under the Mattress: Protecting Your Money
Topic: CIBC Online
Replies: 5
Views: 201

Re: CIBC Online

Not for me as of this morning.
by AltaRed
12 Dec 2017 13:15
Forum: Under the Mattress: Protecting Your Money
Topic: CIBC Online
Replies: 5
Views: 201

CIBC Online

Anyone having trouble accessing account information the past 2 weeks or so? I only have a CC with them the past few years but for the past ~2 weeks, there has been an online 'meltdown' in that no CC data is available. No balance data, no transaction data and no access to e-statements. Their secure o...
by AltaRed
12 Dec 2017 12:32
Forum: Retirement, Pensions and Peace of Mind
Topic: TFSA Contribution 2018
Replies: 30
Views: 1462

Re: TFSA Contribution 2018

I think I've mentioned this before....but I believe the lifetime contribution cap will be circa $100k, a short 5 years from now or so.
by AltaRed
12 Dec 2017 10:18
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Saving for down payment in roughly 5 years
Replies: 21
Views: 533

Re: Saving for down payment in roughly 5 years

Not sure how well REITs would correlate to house prices. The residential rental REITs don't necessarily correlate to house prices but I suspect they are the most likely bet, e.g. CAR.UN or BEI.UN depending on location. Bottom line: There is no way to seek moderate return on capital without having ri...
by AltaRed
11 Dec 2017 12:13
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Keyera (Symbol KEY, was KEY.UN)
Replies: 30
Views: 2734

Re: Keyera (Symbol KEY, was KEY.UN)

JaydoubleU wrote:
11 Dec 2017 11:42
I guess my question would be, does owning KEY provide greater diversification if I already own ENB,TRP, PPL, ALA, ENF? Or am I just overweighting the same stressed sector.
In my opinion, ALA and PPL already do some of the same thing. I wouldn't own all 3.
by AltaRed
11 Dec 2017 09:30
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Keyera (Symbol KEY, was KEY.UN)
Replies: 30
Views: 2734

Re: Keyera (Symbol KEY, was KEY.UN)

Revisiting this thread, it is amazing to see how far these midstream entities have fallen. I know I own quite a lot of energy infrastructure, probably too much, but I find myself sniffing around in this space for possible bargains. Those peak valuations were built on growth momentum. When the momen...
by AltaRed
10 Dec 2017 23:46
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: searching for ETF's
Replies: 2
Views: 134

Re: searching for ETF's

I believe you need to spend some time reading finiki on, if nothing else, portfolio design. Why do you have more than about 4-6 ETFs (or 4 TD e-series) in the first place? The concept of index investing is to buy whole markets in generally as few investments as possible. You can invest in the world ...
by AltaRed
10 Dec 2017 23:03
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Bust 2017
Replies: 213
Views: 11422

Re: Housing Bust 2017

IMO, housing use should be limited to shelter, not speculative investment. We would all be better off as a society. And who, pray tell, would provide rental units? The benevolent state, who knows best? Indeed. There have been quite a few places without "speculative investment". And those states did...
by AltaRed
10 Dec 2017 21:28
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Bust 2017
Replies: 213
Views: 11422

Re: Housing Bust 2017

IMO, housing use should be limited to shelter, not speculative investment. We would all be better off as a society. And who, pray tell, would provide rental units? The benevolent state, who knows best? The private market, with the appropriate cap rate. Nothing stops anyone from being a landlord giv...
by AltaRed
10 Dec 2017 20:55
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Bust 2017
Replies: 213
Views: 11422

Re: Housing Bust 2017

IMO, housing use should be limited to shelter, not speculative investment. We would all be better off as a society.
by AltaRed
10 Dec 2017 18:54
Forum: Retirement, Pensions and Peace of Mind
Topic: RRIF Withdrawal
Replies: 43
Views: 2547

Re: RRIF Withdrawal

A RRSP has to be converted to an RRIF, converted into an annuity, or withdrawn as a lump sum.... in the year in which someone turns 71 years of age.
by AltaRed
10 Dec 2017 18:38
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: "Hot Potato" anyone??
Replies: 118
Views: 9218

Re: "Hot Potato" anyone??

Not sure you can compare a Global Equity Fund with an ETF mix that contains bonds, i.e. XBB. The Mawer Global Equity Fund SHOULD be more volatile and SHOULD have outperformed over that 2 year period.