Search found 8669 matches

by adrian2
05 Nov 2017 07:28
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Small Stock Investing.
Replies: 7
Views: 345

Re: Small Stock Investing.

Thegipper wrote:
04 Nov 2017 21:38
Touche Carde
:rofl: (sorry, could not resist!)
by adrian2
05 Nov 2017 07:23
Forum: Under the Mattress: Protecting Your Money
Topic: Equifax credit score dropped for no apparent reason
Replies: 19
Views: 491

Re: Equifax credit score dropped for no apparent reason

RBC has a neat feature. If you have an account - any type it seems - you have access to your TransUnion Credit score. The link is right at the main page showing your account(s). This also gives you a few on-line reports, list of cards in use, limits and $$ owing etc. Almost worth keeping a small ac...
by adrian2
05 Nov 2017 07:18
Forum: Retirement, Pensions and Peace of Mind
Topic: CPP maximums for 2018
Replies: 3
Views: 321

Re: CPP maximums for 2018

Dogger1953 wrote:
04 Nov 2017 20:16
Apparently the above link didn't work. Try this one.
https://www.canada.ca/en/revenue-agency ... -ympe.html
Thanks, Doug!

As the corresponding numbers get published, please update the CPP benefit rate table.
by adrian2
03 Nov 2017 10:40
Forum: Under the Mattress: Protecting Your Money
Topic: Equifax credit score dropped for no apparent reason
Replies: 19
Views: 491

Re: Equifax credit score dropped for no apparent reason

Canada Post uses Equifax to verify your identity when forwarding your mail. I have tried to use it for 3 years and always been rejected. It seems that I do not know enough about how Equifax works. Go to the Equifax website and ask for a free copy of their report. They'll make you mail/fax some ID f...
by adrian2
02 Nov 2017 23:27
Forum: Taxing Situations
Topic: US resident inheriting property from Canadian mother
Replies: 21
Views: 756

Re: US resident inheriting property from Canadian mother

twa2w wrote:
02 Nov 2017 22:36
Uh, you are replying to a thread that is over a year old. Not sure if the OP is active on the board anymore.
memberlist.php?mode=viewprofile&u=11394

Joined: 26 Sep 2016, 22:04

Last active: 19 Oct 2016, 12:43
by adrian2
02 Nov 2017 20:58
Forum: Taxing Situations
Topic: Would it be wise to take capital gains in this situation?
Replies: 12
Views: 346

Re: Would it be wise to take capital gains in this situation?

Well, as a long time hedger of investments I would suggest you generate some 'tax free' capital gains this year to burn off half the capital losses you are presently holding. Hang on to the remainder of your losses to mitigate any surprise capital gains in the future which may move you to a higher ...
by adrian2
02 Nov 2017 18:50
Forum: Taxing Situations
Topic: Would it be wise to take capital gains in this situation?
Replies: 12
Views: 346

Re: Would it be wise to take capital gains in this situation?

Rolling forward capital losses only helps if you move into a higher tax bracket. You have 2 offsetting factors: 1. The role of inflation and 2. The possibility of a reduced CG exemption. If it were me, I would take them now. A bird in the hand! Take them now if you have capital gains to neutralize....
by adrian2
02 Nov 2017 18:48
Forum: Taxing Situations
Topic: Would it be wise to take capital gains in this situation?
Replies: 12
Views: 346

Re: Would it be wise to take capital gains in this situation?

....My question is, should I sell some of my Canadian dividend stocks now, generate the capital gain and then offset this with my capital losses? I would then reinvest the funds as per my investment statement. If you are invested in Canadian index funds, you will likely be allocated some capital ga...
by adrian2
02 Nov 2017 13:07
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: North American financial split co. (Symbol - FFN.TO)
Replies: 33
Views: 745

Re: North American financial split co. (Symbol - FFN.TO)

shellybear wrote:
02 Nov 2017 12:43
Selling shares that are available from an offering is not considered shortselling. Why were not all the shares sold in the offering considered shortsold ?
They are short sales if the underwriters sold some shares before the settlement date of the offering.
by adrian2
02 Nov 2017 10:18
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: North American financial split co. (Symbol - FFN.TO)
Replies: 33
Views: 745

Re: North American financial split co. (Symbol - FFN.TO)

Where did you read that the underwriters received that much stock at that big of a discount? The modus operandi of an offering is that the underwriters (e.g., TDW, Action Direct etc) buy in bulk all the offered shares from the company's treasury and then distribute those shares to their clients. Fo...
by adrian2
02 Nov 2017 09:28
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: North American financial split co. (Symbol - FFN.TO)
Replies: 33
Views: 745

Re: North American financial split co. (Symbol - FFN.TO)

Shares acquired in the offering were priced at 9$ and appears majority of the shorts (looking at the volume trades) was on Oct 5 at an average sale price of 8.80 or so. So covering with shares acquired is a losing proposition. Over 7% of the OS share count was shortsold and the only volume that was...
by adrian2
02 Nov 2017 09:20
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 500
Views: 47760

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

I will never buy Reuters for their refusal to use the word "terrorists" in their news stories, and just labeling them "militants". :twisted:
by adrian2
02 Nov 2017 09:13
Forum: Under the Mattress: Protecting Your Money
Topic: Equifax credit score dropped for no apparent reason
Replies: 19
Views: 491

Re: Equifax credit score dropped for no apparent reason

I am new to the country (came from Europe) and had no credit history yet. I opened a secured Mastercard with RBC with a limit of $1000 to start building up my credit history. This single creditcard is all I have with regards to loans. I have no other debts, no car loans, no mortgage no nothing. Jus...
by adrian2
01 Nov 2017 17:31
Forum: Retirement, Pensions and Peace of Mind
Topic: Annuity
Replies: 18
Views: 800

Re: Annuity

Shakespeare wrote:
01 Nov 2017 17:06
Boy, doesn’t take long before you’re a nobody.
About a week.... :?
For the C-suite it may a take a little longer; a year or two, maybe?
by adrian2
30 Oct 2017 13:40
Forum: Financial Planning and Building Portfolios
Topic: One Fund or Very Simple Portfolio for a New Early 20's Investor
Replies: 31
Views: 650

Re: One Fund or Very Simple Portfolio for a New Early 20's Investor

Ok, I was thinking it would be the other way around. The GIC interest is fully taxable and so in a TFSA he won't pay tax on it. The dividends from the equity fund will get special treatment for the part that is for a Canadian company (so maybe 20-30% of his funds). The dividends on the other funds ...
by adrian2
23 Oct 2017 19:42
Forum: Now Hear This!
Topic: When something breaks (2017)
Replies: 12
Views: 653

Re: When something breaks (2017)

The site was down much of yesterday with the 'general SQL error' indicative of a data base crash. It was down for quite awhile. I didn't capture a screen shot, but for me it was a 'general error' that said too many user connections. The exact same message was repeated over the course of at least a ...
by adrian2
17 Oct 2017 19:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 500
Views: 47760

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

ATD.B & PKI are two stocks I've actually been looking at this week.... So far neither has a significant edge over the other, but I have yet to really get into their financials and analyze margins. Generally I will buy the company with the better margins & business (qualitative factors), but the div...
by adrian2
16 Oct 2017 13:56
Forum: Retirement, Pensions and Peace of Mind
Topic: Wills, notification of death and probate
Replies: 58
Views: 2146

Re: Wills, notification of death and probate

Don't forget to apply for the Survivor's Pension, unless this happens ''automatically''? If the survivor is: age 65 or more, then the survivor's pension is: 60 per cent of the contributor's retirement pension, if the surviving spouse or common-law partner is not receiving other CPP benefits https:/...
by adrian2
15 Oct 2017 08:30
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1864
Views: 162255

Re: TD Direct Investing (was Waterhouse) Service

Hammerer wrote:
15 Oct 2017 01:45
Say I wanted to buy a stock in a TFSA, can I sell a stock and immediately buy another for the same value?

Or I have to wait until settlement before purchasing?
At TDDI, you can do it on the same day (sell first, buy seconds later).
by adrian2
12 Oct 2017 22:27
Forum: Under the Mattress: Protecting Your Money
Topic: Tangerine
Replies: 38
Views: 3192

Re: Tangerine

Write a million dollar cheque and deposit it at IB?
by adrian2
12 Oct 2017 15:30
Forum: Taxing Situations
Topic: Taxing Employee Discounts
Replies: 6
Views: 267

Re: Taxing Employee Discounts

I know we're talking orders of magnitude of difference between a half-price cheeseburger, and steeply-discounted Bombardier shares in an Employee Stock Purchase plan, but aren't they conceptually similar enough to receive similar treatment by the tax man? ISTM that a cheeseburger price is not mater...
by adrian2
12 Oct 2017 13:53
Forum: Retirement, Pensions and Peace of Mind
Topic: Understanding the "enhanced CPP" changes
Replies: 2
Views: 241

Re: Understanding the "enhanced CPP" changes

Thanks, Doug, very informative. As you can see, if you’re thinking of applying for your CPP earlier than 2025, the enhanced CPP will be of little value to you. However, for each year of pensionable earnings beyond 2024, the changes mean that your maximum CPP retirement pension will be approximately ...
by adrian2
23 Sep 2017 15:19
Forum: Financial Planning and Building Portfolios
Topic: The After-Tax Spending Plan
Replies: 15
Views: 854

Re: The After-Tax Spending Plan

steves wrote:
23 Sep 2017 15:14
It can get complimacated.
Complimacated, indeed! :)
by adrian2
23 Sep 2017 15:17
Forum: Financial Planning and Building Portfolios
Topic: The After-Tax Spending Plan
Replies: 15
Views: 854

Re: The After-Tax Spending Plan

I've built an after-tax spending plan. [,,,] I initially developed it for myself, so it's currently using QC tax parameters and QPP. It could be improved to be usable during retirement, too. 1) Would there be some interest for such improvements and getting this spreadsheet to support other province...