Search found 13170 matches

by AltaRed
15 Dec 2017 23:01
Forum: Financial Planning and Building Portfolios
Topic: Help Me Work Through This (Early) Retirement Plan
Replies: 2
Views: 45

Re: Help Me Work Through This (Early) Retirement Plan

Welcome to FWF! You are clearly in the driver's seat when it comes to current net worth (at your life stage) and investing flexibility. Tax advantaged dividend income from Canadian equities, whether accomplished by a passive dividend ETF such as XDIV or CDZ, or hand picked dividend growth stocks can...
by AltaRed
15 Dec 2017 22:46
Forum: Now Hear This!
Topic: Introduce Yourself
Replies: 468
Views: 30655

Re: Introduce Yourself

Welcome to FWF!

It is amazing how simple and robust a CCP passive investing strategy can really be once you cut through all the BS. We developed our own financial wiki called finiki which includes passive investment strategies.
by AltaRed
15 Dec 2017 20:22
Forum: Taxing Situations
Topic: UFile 2017
Replies: 7
Views: 315

Re: UFile 2017

Got an email today saying it was available for download...and just clicked on the link in the email.
by AltaRed
15 Dec 2017 16:00
Forum: Taxing Situations
Topic: UFile 2017
Replies: 7
Views: 315

Re: UFile 2017

Now available for download... Installed and ready to go. Bring on those tax slips! :lol:
by AltaRed
15 Dec 2017 13:45
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Power of Dividend Growth 2011 (and beyond)
Replies: 764
Views: 54425

Re: Power of Dividend Growth 2011 (and beyond)

another reflection: Dividend Growth investing is not a get-rich quick scheme. The single most important variable here is time, not as in years or cycles but as in decades. It is a life-long project. Start early, be patient, die rich. Hopefully not too rich when you die. Ie spend some of it along th...
by AltaRed
15 Dec 2017 11:41
Forum: Retirement, Pensions and Peace of Mind
Topic: Opening RRSP Account as a Non-Resident
Replies: 5
Views: 58

Re: Opening RRSP Account as a Non-Resident

Okay. Obviously you are just a recent ex-pat and have to deal with high taxes due to deemed cap gains on your 2017 Canadian tax return. I would do the same thing as you if I had RRSP contribution room in the year exiting Canada. Lesson learned for others: Do all that stuff (arrange all your affairs)...
by AltaRed
15 Dec 2017 11:36
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Agrium (Symbol-AGU)
Replies: 20
Views: 2439

Re: Agrium (Symbol-AGU)

It's time to complain to my new TDDI Relationship Manager that these type of notices should be sent electronically rather than by snail mail. I don't know if the brokers can send that kind of stuff electronically. I think I have done all I can with my two brokerages to receive shareholder materials...
by AltaRed
15 Dec 2017 11:27
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Power of Dividend Growth 2011 (and beyond)
Replies: 764
Views: 54425

Re: Power of Dividend Growth 2011 (and beyond)

Or take a long term chart of RY. The graph shows a classic pattern of long term compound investing. Meanwhile, dividends have risen from 0.135 per quarter to 0.91 per quarter from 2000 to present, (which is as far back as I can find on the RBC website, but I'm sure others can show us the data going...
by AltaRed
15 Dec 2017 10:19
Forum: Retirement, Pensions and Peace of Mind
Topic: Opening RRSP Account as a Non-Resident
Replies: 5
Views: 58

Re: Opening RRSP Account as a Non-Resident

The other thing I'd bring up is IF the OP is a non-resident of Canada for tax purposes, there is little to be gained making an RRSP contribution that cannot be used as a tax deduction from current year income... The only upside would be deferred tax on income and capital appreciation growth (except ...
by AltaRed
15 Dec 2017 10:14
Forum: Under the Mattress: Protecting Your Money
Topic: US Cash Alternatives
Replies: 26
Views: 1512

Re: US Cash Alternatives

It is an indirect correlation, not a direct one. Look at the holdings of a USD MMF. It depends on how overnight rate hikes translate into changes in yield on USD commercial paper, 90 day US T bills, etc., not the change in the overnight rate itself. There may be some uplift in 30-60 days.
by AltaRed
14 Dec 2017 23:04
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Bust 2017
Replies: 216
Views: 11617

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: 764
Views: 54425

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: 20
Views: 2439

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: 764
Views: 54425

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: 131

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: 83639

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: 131

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: 225

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: 33
Views: 1586

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: 33
Views: 1586

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: 33
Views: 1586

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: 206

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: 33
Views: 1586

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: 206

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: 206

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...