Search found 12762 matches

by AltaRed
22 Sep 2017 23:47
Forum: Taxing Situations
Topic: Working as an EXPAT in the US
Replies: 12
Views: 217

Re: Working as an EXPAT in the US

I think I will infact continue to get paid by the "Canadian" company. Does this change things in terms of residency status? I got partially paid by my Canadian company and they took CPP off that pay in CAD. I also got partially paid by the US company, including the allowances, and they took FICA of...
by AltaRed
22 Sep 2017 17:10
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Jason Donville
Replies: 12
Views: 440

Re: Jason Donville

Money managers often have a winning streak with their methodologies for awhile, but most narrow methodologies have their shortcomings and downfalls. Some (many?) just don't know when (or how) to get off that particular pony. FWIW, I thought Amber Kanwar was really good on BNN Market Call but clearly...
by AltaRed
22 Sep 2017 15:51
Forum: Under the Mattress: Protecting Your Money
Topic: Quicken 2017 [Caution about upgrading]
Replies: 110
Views: 10707

Re: Quicken 2017 [Caution about upgrading]

Spudd wrote:
22 Sep 2017 15:45
AltaRed wrote:
22 Sep 2017 01:03
The question is how a new user might secure original copies of earlier versions of Quicken.
eBay would probably work.
IIRC, one has to register the product before it will even let you into it. Might even need a product key but I don't recall. Best one knows for sure first.
by AltaRed
22 Sep 2017 15:10
Forum: Retirement, Pensions and Peace of Mind
Topic: Does it make sense to rent in later retirment?
Replies: 42
Views: 1744

Re: Does it make sense to rent in later retirment?

Our neighbours 2 doors over just put their big house up for sale. They are clearly 80-85 years of age and that house is just way too much for them to handle any more. I haven't yet asked them where they are going but I suspect it is a retirement community, or independent living facility. Just chatt...
by AltaRed
22 Sep 2017 15:06
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Jason Donville
Replies: 12
Views: 440

Re: Jason Donville

Stockchase keeps track of (sort of) so called 'experts' picks and how those picks have done. JD has not been active in this space since early 2016. http://www.stockchase.com/expert/view/1287

I've not taken any time to dig that deep on any of the so called experts.
by AltaRed
22 Sep 2017 15:02
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Where is that thread on XSH?
Replies: 2
Views: 84

Re: Where is that thread on XSH?

The 'other' forum....
by AltaRed
22 Sep 2017 15:01
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 371
Views: 22331

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

AltaRed: That was exactly my thinking. Not using my BMO Savings Builder would stop the nonsense of having to transfer in an additional $200 every month and reduce the recordkeeping a little. Is there a minimum balance to keep the Savings Builder account? The downside is that I then wouldn't have a ...
by AltaRed
22 Sep 2017 11:59
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 371
Views: 22331

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

Confirmed: AAT770 (BMO CAD HIGH INTEREST SAVINGS) is now at 0.95%. AAT780 (BMO USD HIGH INTEREST SAVINGS) remains at 0.50% Another 20 bp or so and it will be worth my while to go back to using AAT770 instead of BMO Savings Builder (SB) for my extraneous cash accumulating from dividends. SB is 1.3% ...
by AltaRed
22 Sep 2017 01:03
Forum: Under the Mattress: Protecting Your Money
Topic: Quicken 2017 [Caution about upgrading]
Replies: 110
Views: 10707

Re: Quicken 2017 [Caution about upgrading]

tedster wrote:
21 Sep 2017 22:31
I am using Quicken 2002 deluxe. Have done for years. Input everything manually. Have had no difficulties as yet.
The question is how a new user might secure original copies of earlier versions of Quicken.
by AltaRed
22 Sep 2017 01:02
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Jason Donville
Replies: 12
Views: 440

Re: Jason Donville

Indeed. I have been one of the few folks to mention ROCE (Return on Capital Employed) as a metric in posts now and then. ROE alone can leave one high and dry, although if used in conjunction with Debt/Equity ratio... it can accomplish the same thing as ROCE.
by AltaRed
22 Sep 2017 00:56
Forum: Taxing Situations
Topic: Working as an EXPAT in the US
Replies: 12
Views: 217

Re: Working as an EXPAT in the US

1. Whethe you declare non-residency for tax purposes or not will ultimately be a matter of fact determined by the US Can tax treaty. Canada may fight to claim you as a tax resident. Your expert cross-border tax accountant will have to fight that battle. Best you engage such a person as soon as you c...
by AltaRed
21 Sep 2017 13:44
Forum: Taxing Situations
Topic: Working as an EXPAT in the US
Replies: 12
Views: 217

Re: Working as an EXPAT in the US

[OT] I thought that the ties to Canada argument was mainly relevant to travelling retirees trying to dodge taxes, people working in countries without tax treaties, or people trying to claim Canadian benefits (but I have no expertise here). [/OT] Not just those folks. Folks on TN (typically 1 year o...
by AltaRed
21 Sep 2017 09:30
Forum: Taxing Situations
Topic: Working as an EXPAT in the US
Replies: 12
Views: 217

Re: Working as an EXPAT in the US

The problem is the house is a recent purchase, within the last 6 months. With the market going down / sideways, and real estate fees that I would incur, I’d be taking a loss with the sale. You probably should talk to a cross-border tax accountant on how this might affect you continuing to be a tax ...
by AltaRed
20 Sep 2017 22:59
Forum: Taxing Situations
Topic: Working as an EXPAT in the US
Replies: 12
Views: 217

Re: Working as an EXPAT in the US

It depends on how sophisticated your company is, but the big multi-nationals, at least in the oil industry, are somewhat similar, and if so, then my last ex-pat experience 2003-2006 might be of value to you. 1. My multi-national kept me whole on tax such that I would not pay more in total (while in ...
by AltaRed
20 Sep 2017 12:40
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 368
Views: 36177

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

True though you need to look at their properties, locations and major tenants to get a perspective of how vulnerable they might be. For RioCan owners/interested investors, they should look at their leasing portfolio.http://riocan.com/leasing-portfolio A lot of it is big box and stable businesses, ra...
by AltaRed
20 Sep 2017 11:00
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 368
Views: 36177

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

Riocan has an idea of developing their valuable real estate into hybrid condo/retail centres, which I think is a good idea, but the strain of financing that kind of expenditure is going to bring the price further down providing opportunities to jump back in later if I want to. I am still a RioCan o...
by AltaRed
20 Sep 2017 10:42
Forum: Retirement, Pensions and Peace of Mind
Topic: Does it make sense to rent in later retirment?
Replies: 42
Views: 1744

Re: Does it make sense to rent in later retirment?

Not necessarily. The burden of home ownership is very real for many people, especially as physical and mental capacities diminish. It may well be that paying more income tax as a result of capital investment (as a result of a home sale) and additional OAS clawback is a distant second concern. Those ...
by AltaRed
19 Sep 2017 19:36
Forum: Financial Planning and Building Portfolios
Topic: Philosophy of dividend investing?
Replies: 354
Views: 15136

Re: Philosophy of dividend investing?

Doesn't work for non-subscribers.
by AltaRed
19 Sep 2017 18:24
Forum: Financial Planning and Building Portfolios
Topic: Philosophy of dividend investing?
Replies: 354
Views: 15136

Re: Philosophy of dividend investing?

Think it would be better to look at a longer history, albeit 17 years covers 2 traumatic periods. I tend to agree with George that Canada's dividend payers are skewed to the financial sector, albeit I suspect Norm would argue a lot of energy/resource companies pay dividends (and included in the list...
by AltaRed
19 Sep 2017 17:11
Forum: Retirement, Pensions and Peace of Mind
Topic: Does it make sense to rent in later retirment?
Replies: 42
Views: 1744

Re: Does it make sense to rent in later retirment?

Ah, but there's the rub. What do you really want as you get into advanced years and reduced physical/mental capacity? The condo fees give you 'worry free' home ownership and a whole bunch of amenities, activities and maybe more importantly, the opportunity for as social interaction as one can stomac...
by AltaRed
19 Sep 2017 13:09
Forum: Financial Planning and Building Portfolios
Topic: Maximum single position size
Replies: 58
Views: 2270

Re: Maximum single position size

It is the fortitude to 'stay the course' and be a contrarian that was/is a significant part of your success. Everyone has to know thyself and it is in keeping with that knowledge of thyself that the deterministic outcome is 'certain' over a long period of time. Added: Too many investors change strat...
by AltaRed
19 Sep 2017 11:40
Forum: Retirement, Pensions and Peace of Mind
Topic: Does it make sense to rent in later retirment?
Replies: 42
Views: 1744

Re: Does it make sense to rent in later retirment?

Scomac, I saw on CBC News last night about a new Hamilton based lifestyle community underway by the devleoper of big resort (Disney scale) resorts and the original(?) developer of Wonderland(?) in the GTA area. If that is what you mean by lifestyle commnities? That sort of thing would appeal to us I...
by AltaRed
17 Sep 2017 13:15
Forum: Under the Mattress: Protecting Your Money
Topic: Equifax security breach
Replies: 17
Views: 760

Re: Equifax security breach

Do you mean a 'fraud alert' with Equifax in the USA? Or in Canada? AFAIK, they operate independently. FWIW, I think I may have a 'residual' credit history in the USA from my last ex-pat assignment AND because I still retain a US domiciled credit card. When I went to the Equifax USA link and put in m...
by AltaRed
17 Sep 2017 11:49
Forum: Retirement, Pensions and Peace of Mind
Topic: Does it make sense to rent in later retirment?
Replies: 42
Views: 1744

Re: Does it make sense to rent in later retirment?

Sometimes a family doctor can help in persuasion and/or to leverage the situation of someone the stubborn mother knows personally. It took my bro and I asking our mother if she really wanted us to find her crumpled at the bottom of the stairs a day or so later with a broken hip or a stroke or whatev...
by AltaRed
17 Sep 2017 11:18
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI Charges Fee for Foreign Dividend
Replies: 5
Views: 404

Re: TDDI Charges Fee for Foreign Dividend

If it is as Jeremy says, perhaps all brokerages do it. Why not phone them?