Search found 99 matches

by 6miths
12 Feb 2017 22:59
Forum: Under the Mattress: Protecting Your Money
Topic: VISA details @ TD EasyWeb
Replies: 11
Views: 913

Re: VISA details @ TD EasyWeb

No problems noted here with Mac and FireFox.
by 6miths
12 Feb 2017 22:55
Forum: Financial News, Policy and Economics
Topic: Economic future of Canada and immigration
Replies: 24
Views: 895

Re: Economic future of Canada and immigration

Yet more used to be doctors or engineers and now work driving taxes or sit on benefits. And part of the problem is good old protectionism; a doctor who graduated from Oxford (even with a Canadian passport) would have to spend many years before he can work as a doctor in Canada. A doctor who graduat...
by 6miths
21 Jul 2016 09:17
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: ETF choices
Replies: 12
Views: 873

Re: ETF choices

longinvest wrote:
InvestorNewb wrote:Would Canadian banks be offering low MER ETFs if it wasn't for Vanguard? I think not...
+1 :thumbsup:
+2 But those darn Canadians are so polite.
by 6miths
08 Apr 2016 10:38
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI - New WebBroker interface
Replies: 143
Views: 7959

Re: TDDI - New WebBroker interface

Was speaking to a rep on Wednesday and she was asking me about the new interface. I have been using it on and off but not in love. She pointed out that the old interface will no longer be available starting in July. Don't know if that has been pointed out upthread. Oh well. Change is inevitable! Res...
by 6miths
07 Mar 2016 23:35
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Help selling paper shares?
Replies: 4
Views: 336

Re: Help selling paper shares?

Thanks folks. Has been a busy month and hadn't checked back. I'll let you know how it goes. Cheers.
by 6miths
21 Feb 2016 22:09
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI - New WebBroker interface
Replies: 143
Views: 7959

Re: TDDI - New WebBroker interface

schmuck wrote:
IdOp wrote:
chufinora wrote:I will wait until it is a forced upgrade.
+1
+2
+3
by 6miths
21 Feb 2016 22:04
Forum: Financial Planning and Building Portfolios
Topic: Home bias risk doesn't show in the data
Replies: 25
Views: 1121

Re: Home bias risk doesn't show in the data

At no point in my investing lifetime have I been unhappy to be diversified outside of Canada.
by 6miths
05 Feb 2016 23:16
Forum: Financial Planning and Building Portfolios
Topic: No Tax vs. High MER scenario
Replies: 3
Views: 347

Re: No Tax vs. High MER scenario

I thought that the answer over at MMM was pretty good. Was it not satisfactory? Does this question relate to corporate class funds?
by 6miths
19 Jan 2016 20:32
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Help selling paper shares?
Replies: 4
Views: 336

Help selling paper shares?

My mother has some paper Sun Life shares that she would like to sell. She has a RBC online brokerage account. Could anyone help me with advice as to how one best goes about selling the shares. Apologies if this is a ridiculously simple question.
by 6miths
29 Jun 2015 21:58
Forum: Retirement, Pensions and Peace of Mind
Topic: TFSA 2015
Replies: 469
Views: 22989

Re: TFSA 2015

I also have contributed $'s to my son and daughter for their TFSAs over the last several years. And why not when I have it to give. So people doing this are doing it as a gift with no expectation of having funds returned to them? That is certainly our expectation. It is a contribution to their futu...
by 6miths
22 Mar 2015 15:14
Forum: Financial Planning and Building Portfolios
Topic: RRSP for Incorporated Individuals
Replies: 25
Views: 1299

Re: RRSP for Incorporated Individuals

Good discussion. Thanks for the input.
by 6miths
07 Mar 2015 11:41
Forum: Retirement, Pensions and Peace of Mind
Topic: Universal life insurance for Americans that can't TFSA?
Replies: 4
Views: 445

Re: Universal life insurance for Americans that can't TFSA?

I would be a 'no'. It's such a tiny policy I can't imagine that the premium is going to go very far against the high costs involved with such policies. If you need insurance, go with term and invest the difference. You may have heard that somewhere before. Insurance agents have been talking about 't...
by 6miths
01 Mar 2015 22:44
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign currency conversion.
Replies: 12
Views: 2196

Re: Foreign currency conversion.

Thanks. Yes I think I'm beat on the AUD I'll check at the airport next visit and am in the US in a couple of weeks so might be able to get a better rate to USD there but it's not going to be a large amount either way.
by 6miths
01 Mar 2015 20:30
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign currency conversion.
Replies: 12
Views: 2196

Re: Foreign currency conversion.

AUD is just cash 4k and non-recurring.

GBP is 18k in a bank draft from Barclay's and will recur a couple more times. Hence not in bank accounts.
by 6miths
01 Mar 2015 12:08
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign currency conversion.
Replies: 12
Views: 2196

Re: Foreign currency conversion.

Thanks. I have e-mailed XE. Do you know whether one can exchange currency when they don't have an account in the original (foreign) currency. This is required for Transferwise. Thanks again.
by 6miths
28 Feb 2015 14:26
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign currency conversion.
Replies: 12
Views: 2196

Re: Foreign currency conversion.

Transferwise responded promptly to my queries. One needs to have a bank account in the native currency. GBP and AUD in this case. My wife's sister is in the UK so we can get her to do the GBP to CAD transfer if we can't come up with another option. We're in the UK this summer so will enquire as to t...
by 6miths
28 Feb 2015 14:22
Forum: Financial Planning and Building Portfolios
Topic: RRSP for Incorporated Individuals
Replies: 25
Views: 1299

Re: RRSP for Incorporated Individuals

And sorry George. Did you mean that you took dividends only and left all excess in your corp.
by 6miths
28 Feb 2015 14:21
Forum: Financial Planning and Building Portfolios
Topic: RRSP for Incorporated Individuals
Replies: 25
Views: 1299

Re: RRSP for Incorporated Individuals

Thanks for the articles. The latter group from Jamie Golombek look interesting. Paying oneself a salary to get the CPP benefit doesn't seem psychologically worth it as one is paying double the amount that an employee would be paying to get the same benefit. The question about the annuity is really t...
by 6miths
27 Feb 2015 17:27
Forum: Retirement, Pensions and Peace of Mind
Topic: A Simpleton's Retirement Plan
Replies: 7
Views: 1197

Re: A Simpleton's Retirement Plan

Sons or daughters or trusted accountant with power of attorney (trustee). Or just let it ride.
by 6miths
27 Feb 2015 17:24
Forum: Under the Mattress: Protecting Your Money
Topic: Best Credit Card
Replies: 844
Views: 70447

Re: Best Credit Card

You can transfer between your TD Borderless USD account and your TD Bank America account without fees. You just call their cross-border banking number. The Borderless account is coming out from under the umbrella of TD's preferred banking (or whatever they call it) and will incur $2/month charge if ...
by 6miths
27 Feb 2015 16:46
Forum: Retirement, Pensions and Peace of Mind
Topic: A Simpleton's Retirement Plan
Replies: 7
Views: 1197

Re: A Simpleton's Retirement Plan

I think I'd rather go with a Vanguard 3-fund portfolio with instructions to rebalance every 2 years. I can get that for less than 0.2% and I have a feeling that Vanguard will be in business for a long, long time. One could do a lot worse than Steadyhand though.
by 6miths
27 Feb 2015 15:37
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign currency conversion.
Replies: 12
Views: 2196

Re: Foreign currency conversion.

Sorry if I was unclear. I am trying to find away to avoid the bank forex fees on conversions of AUD to CAD (or USD) and GBP to CAD (or USD). I can go to USD if that will get me better rates. Doesn't matter. The AUD is a relatively small amount 5K. The GBP are larger amounts in the range of GBP 20K a...
by 6miths
27 Feb 2015 11:28
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign currency conversion.
Replies: 12
Views: 2196

Foreign currency conversion.

Does anyone have a Norbert's Gambit equivalent for GBP or AUD? Or any suggestions to minimize the bank bite on conversion to CAD or USD? Thanks.
by 6miths
27 Feb 2015 11:26
Forum: Financial Planning and Building Portfolios
Topic: RRSP for Incorporated Individuals
Replies: 25
Views: 1299

RRSP for Incorporated Individuals

Norbert's thread on 'How Big of an RRSP is too Big?' got me to thinking about advice from financial planners on RRSPs for incorporated individuals. The advice often given is to take minimal or no salary so as to avoid the self-employed double CPP hit and also keep all of the money in the corporation...
by 6miths
27 Feb 2015 11:22
Forum: Retirement, Pensions and Peace of Mind
Topic: How big an RRSP is too big?
Replies: 58
Views: 3799

Re: How big an RRSP is too big?

Let me know if you ever figure this out!