Search found 16228 matches
- 19 Jun 2023 11:05
- Forum: Community Centre
- Topic: A Final Financial Thread [from Shakespeare]
- Replies: 70
- Views: 6641
Re: A Final Financial Thread [from Shakespeare]
Thank you for all who have responded. I am now comfortably in a hospice. For Stubee, I am on 16 lpm oxygen from 2 parallel concentrators and use a mask with an additional 15 lpm from a portable tank when walking to the bathroom. There is no pain, I am happy, and all is well.
- 16 Jun 2023 23:27
- Forum: Community Centre
- Topic: Lawn mower won’t start
- Replies: 26
- Views: 1283
Re: Lawn mower won’t start
Ta Dum te dee "I fought the lawn and the lawn won "
Ta dum te dee
Ta dum te dee
- 14 Jun 2023 15:40
- Forum: Community Centre
- Topic: A Final Financial Thread [from Shakespeare]
- Replies: 70
- Views: 6641
Re: A Final Financial Thread [from Shakespeare]
TX, pickles. The Australian cousin has passed on.
A correction: the wiki was Mike's idea.
A correction: the wiki was Mike's idea.
- 14 Jun 2023 13:52
- Forum: Community Centre
- Topic: A Final Financial Thread [from Shakespeare]
- Replies: 70
- Views: 6641
Re: A Final Financial Thread [from Shakespeare]
You chickened out and didn't include the NSFW movie link.Peculiar_Investor wrote: ↑14 Jun 2023 12:24It is now also available as a blog post, Canfinancial: On Investing – Financial Wisdom ForumShakespeare wrote: ↑13 Jun 2023 18:59 Almost four years ago I wrote a letter to a family member on investing. It is here: Canfinancial - On Investing but I will copy it in full below. It should be considered my final advice.
- 13 Jun 2023 19:59
- Forum: Community Centre
- Topic: A Final Financial Thread [from Shakespeare]
- Replies: 70
- Views: 6641
Re: A Final Financial Thread [from Shakespeare]
Why Shakespeare? A long time ago there were two forums for Canadian investors: The Fund Library (TFL) and The Wealthy Boomer (TWB). You had to register to join TWB, which Jon Chevreau was trying to pump for his column. On a whim, I registered as Shakespeare. There had been a column in The Financial Post or The Globe and Mail on a mythical portfolio invested in England in the 1580s or so. My father was an amateur Shakespearean actor and I had read a couple of plays, although my primary reading interests were science fiction, technothrillers, and mysteries. I would never had chosen that name (the audacity!) If I had known I would later write a (brief) investment book. Instead, you would have been presented with Baslim's Primer after one of my...
- 13 Jun 2023 19:02
- Forum: Community Centre
- Topic: A Final Financial Thread [from Shakespeare]
- Replies: 70
- Views: 6641
Re: A Final Financial Thread [from Shakespeare]
On Investing Investing is both remarkably simple and remarkably complex. It is complex because it is counter intuitive. It is simple because the complexities can be resolved quite easily – but the solution is not what most investors expect. The first thing to remember about investing is that, if you are an investor, you are taking on the role of a portfolio manager. As Sir John Templeton pointed out, the first role of the portfolio manager is managing the risk. It is not the purpose of this essay to show how that is done; investors can look at sources such as Risk and Return (in a Canadian wiki) or Risk Tolerance (in a companion American wiki), and links therein, for details. However, briefly put, if you are not interested in the links prov...
- 13 Jun 2023 18:59
- Forum: Community Centre
- Topic: A Final Financial Thread [from Shakespeare]
- Replies: 70
- Views: 6641
A Final Financial Thread [from Shakespeare]
Three years ago, I was diagnose with a disease (Idiopathic Pulmonary Fibrosis) for which there was no cure and for which there was a three to five year median life expectancy following diagnosis. I got the three. I made the necessary decisions: sold the house, moved to an Independent Care facility in Calgary, and embarked on a portfolio restructuring which called for 55% equities with all Canadian equities in the TFSA (when it grew large enough), the RRIF and LRIF with 80 or 90% VBAL with the rest in HISA, and the non reg all HISA or XSB. Enough cash would be kept in the savings for 6 months or so with monthly transfers to the chequing to pay the rent and any other expenses. The only mistake was XSB which gave taxable distributions with a p...
- 11 Jun 2023 15:49
- Forum: Community Centre
- Topic: Good and/or Underrated Movies and TV shows
- Replies: 2489
- Views: 97893
Re: Good and/or Underrated Movies and TV shows
<OT>UK accents are much weaker now than they were in 1950 or 1960 movies,</OT>
- 10 Jun 2023 08:07
- Forum: Community Centre
- Topic: Lawn mower won’t start
- Replies: 26
- Views: 1283
Re: Lawn mower won’t start
I find they start better when you swear at it.
Keep pulling; it will come to you.
Keep pulling; it will come to you.
- 08 Jun 2023 10:11
- Forum: Community Centre
- Topic: Provincial Health Care
- Replies: 33
- Views: 2048
Re: Provincial Health Care
Opinion: Fellow Canadians: Visit British Columbia at your own risk - The Globe and Mail
eemingly by the day, hospitals and their doctors are beseeching the province’s NDP government to act, to do something, about the dire situation in many facilities and, in particular, emergency departments.
Doctors at Surrey Memorial Hospital, one of the busiest in the province, issued a public letter this week warning of “unsafe conditions and adverse outcomes,” in the facility’s obstetrics and gynecology departments. Doctors blamed the conditions for one newborn death and countless other close calls.
- 07 Jun 2023 13:54
- Forum: Community Centre
- Topic: This day in history
- Replies: 28
- Views: 2880
Re: This day in history
It is extremely hard to war-game Midway and come away with anything less than a Japanese victory - which just underlines how much luck is a factor.
- 01 Jun 2023 10:15
- Forum: Community Centre
- Topic: This day in history
- Replies: 28
- Views: 2880
Re: This day in history
One of the sillier rules introduced to limit defence expenditure was introduced by a young Churchill himself: Ten Year Rule - Wikipedia The Ten Year Rule was a British government guideline, first adopted in August 1919, that the armed forces should draft their estimates "on the assumption that the British Empire would not be engaged in any great war during the next ten years".[1] The suggestion for the rule came from Winston Churchill, who in 1919 was Secretary of State for War and Air. (It goes later to say the original suggestion was from the Duke of Wellington after the defeat of Napolean.) The problem with this assumption - and the so-called "peace dividend" after the collapse of the Soviet Union - is that it can tak...
- 31 May 2023 21:04
- Forum: Financial Planning and Building Portfolios
- Topic: VBAL Everywhere
- Replies: 412
- Views: 100991
Re: VBAL Everywhere
ISTM you're too dead to worry about the tax bill.
- 31 May 2023 17:51
- Forum: Financial Planning and Building Portfolios
- Topic: VBAL Everywhere
- Replies: 412
- Views: 100991
Re: VBAL Everywhere
Most us don't see what the big deal is.
- 30 May 2023 21:05
- Forum: Community Centre
- Topic: Good and/or Underrated Movies and TV shows
- Replies: 2489
- Views: 97893
Re: Good and/or Underrated Movies and TV shows
Grace, Britbox. Murders set in Brighton, a seaside resort. Much better than most American murder series. Each episode is a new murder. Grace is a police detective.
- 29 May 2023 17:54
- Forum: Financial Planning and Building Portfolios
- Topic: VBAL Everywhere
- Replies: 412
- Views: 100991
Re: VBAL Everywhere
Tax inefficiency is likely a better reason to use different ETFs in different accounts than possible ACB problems.
- 29 May 2023 17:42
- Forum: Financial Planning and Building Portfolios
- Topic: VBAL Everywhere
- Replies: 412
- Views: 100991
Re: VBAL Everywhere
I don't think Mordko is as old as us old farts with health issues that have forced us to think this through. Most of the original members of this board are now mid 70's, when major health issues and estate planning crop up.
- 29 May 2023 17:03
- Forum: Financial Planning and Building Portfolios
- Topic: VBAL Everywhere
- Replies: 412
- Views: 100991
Re: VBAL Everywhere
ACB errors from distributions in non reg for VBAL aren't going to have a big enough tax error to be worth losing sleep over. There are better things to do.OnlyMyOpinion wrote: ↑29 May 2023 16:42Hmm, tracking book value and ACB...Shakespeare wrote: ↑29 May 2023 15:08 There are an awful lot of in my view trivial disagreements here.
...
Makes me miss discussions in this thread about VBAL Everywhere or not.
- 29 May 2023 15:08
- Forum: Financial Planning and Building Portfolios
- Topic: VBAL Everywhere
- Replies: 412
- Views: 100991
Re: VBAL Everywhere
There are an awful lot of in my view trivial disagreements here. In my view, as an expert in the matter , when you are very late in retirement one of the most important considerations is simplicity. My RRIF and LRIF are each split between VBAL and enough HISA for one or two year's withdrawals. My TFSA is 95%+ Canadian dividend equities. The nonreg is 100% HISA. There are no reinvested dividends or ACB modifications anywhere.
*An expert at being very late in retirement and wanting to make things simple for others.
*An expert at being very late in retirement and wanting to make things simple for others.
- 27 May 2023 14:17
- Forum: Under the Mattress: Protecting Your Money
- Topic: Bad Customer Service
- Replies: 407
- Views: 49635
Re: Bad Customer Service
Well, it was obviously designed by an engineer, with that clutzy interface. ; -)
- 27 May 2023 09:58
- Forum: Under the Mattress: Protecting Your Money
- Topic: Bad Customer Service
- Replies: 407
- Views: 49635
Re: Bad Customer Service
Just why would a competent engineering team design a telephone advertised as "senior friendly" with a fat finger first error for which there is no hardware reset, no software reset in the provided manual, and the online manual software reset has the wrong code?
If this is "German engineering" I'll take Japanese 10 times out of 10.
If this is "German engineering" I'll take Japanese 10 times out of 10.
- 27 May 2023 09:05
- Forum: Under the Mattress: Protecting Your Money
- Topic: Bad Customer Service
- Replies: 407
- Views: 49635
Re: Bad Customer Service
Not service, but a disgraceful design from Siemens of a so-called "seniors phone".
Now to get Amazon to take it back.Reviewed in Canada on May 25, 2023
Style: E295 Answering Machine 1 HandsetVerified Purchase
The first thing you do is set the language. But if you accidentally press the wrong button you don't have a hard reset pin. Digging through the manual says that right button 623 will reset the language. But instead it changes the volume - all in an incomprehensible language.
Calling this useless dog p**p is an insult to dogs.
- 26 May 2023 10:28
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: SMF Data Pull from Yahoo [using smfGetYahooPortfolioView() function]
- Replies: 95
- Views: 5640
Re: SMF Data Pull from Yahoo [using smfGetYahooPortfolioView() function]
Here is the 123 page after file import.
- 26 May 2023 08:31
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: SMF Data Pull from Yahoo [using smfGetYahooPortfolioView() function]
- Replies: 95
- Views: 5640
Re: SMF Data Pull from Yahoo [using smfGetYahooPortfolioView() function]
I think I had a backup spreadsheet at one point that imported a csv file from Globeinvestor. Added: Here is the Yahoo Portfolio csv file Symbol,Current Price,Date,Time,Change,Open,High,Low,Volume,Trade Date,Purchase Price,Quantity,Commission,High Limit,Low Limit,Comment "^GSPTSE",19774.08,2023/05/25,16:20 EDT,-153.60938,19879.15,19879.15,19717.36,178511295,19691231,,,,,, CADUSD=X,0.7328423,2023/05/25,00:39 BST,-4.2450428E-4,0.73313785,0.7334605,0.7328048,0,19691231,,,,,, BCE.TO,61.46,2023/05/25,16:00 EDT,-0.95000076,62.25,62.34,61.42,1835787,19691231,,,,,, BMO.TO,113.0,2023/05/25,16:00 EDT,0.16000366,113.0,113.91,111.88,2321323,19691231,,,,,, BNS.TO,66.72,2023/05/25,16:00 EDT,1.0599976,65.62,66.91,65.55,3347216,19691231,,,,,, CM.T...
- 25 May 2023 22:49
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: SMF Data Pull from Yahoo [using smfGetYahooPortfolioView() function]
- Replies: 95
- Views: 5640
Re: SMF Data Pull from Yahoo [using smfGetYahooPortfolioView() function]
So do what I did: export your Yahoo portfolio as .csv, read it into excel and use a lookup. Inelegant, but works as long as Yahoo doesn't bugger up the csv export.