Search found 4481 matches

by Peculiar_Investor
18 Jan 2018 21:49
Forum: Taxing Situations
Topic: Capital gains on principle residence
Replies: 5
Views: 227

Re: Capital gains on principle residence

Welcome to FWF. WIth the caveat that I am not an accountant. There is no gift tax in Canada and attribution on transfers of capital property, i.e. perhaps the down payment, consists only of the income generated, not any capital gains. Since this is your principle residence and you are asking about t...
by Peculiar_Investor
18 Jan 2018 17:10
Forum: Taxing Situations
Topic: Interest on Spousal Loan
Replies: 15
Views: 2707

Re: Interest on Spousal Loan

A reminder for those with spousal loan agreements in place that the annual interest payment is due by the end of January 30th. For those that are considering a spousal loan as an Income splitting technique, you might want to move soon. The Canada Revenue Agency (CRA)'s Interest rates for the first c...
by Peculiar_Investor
17 Jan 2018 10:04
Forum: Financial News, Policy and Economics
Topic: Has your Investment Policy Changed After the US Election
Replies: 99
Views: 5929

Re: Has your Investment Policy Changed After the US Election

The data in NormR's Periodic Table of Annual Returns for Canadians for 2017 shows EM - 28.7% EAFE - 17.4 S&P 500 - 13.4 S&P/TSX - 9.1 Yes, but Trump wasn't elected on Jan 1, 2017. All in CAD Indeed. Fair enough. Your previous post showing returns had a mix of USD and CAD so I went to the quickest s...
by Peculiar_Investor
17 Jan 2018 09:10
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What's wrong with Canadian market?
Replies: 16
Views: 1015

Re: What's wrong with Canadian market?

The Canadian market is dominated by energy, materials and financials. This shouldn't be a concern as we have the ability to diversify by investing in US stocks. Especially within our RRSP or RRIF funds. From my perspective that is the best approach. It is fairly easy to reduce the lack of sector di...
by Peculiar_Investor
17 Jan 2018 07:11
Forum: Financial News, Policy and Economics
Topic: Has your Investment Policy Changed After the US Election
Replies: 99
Views: 5929

Re: Has your Investment Policy Changed After the US Election

The US market is absolutely on fire right now, in spite of Trump. I know the above quote is from an older post but Paraphrased from the article linked below Trump removed a lot of Obama's regulations that were effectively smothered the economy and signed the first comprehensive tax reform in 3 deca...
by Peculiar_Investor
16 Jan 2018 09:40
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Home insurance with secondary or seasonal property coverage
Replies: 1
Views: 59

Home insurance with secondary or seasonal property coverage

My parents have their principle residence in Ontario and also own a summer use cottage in Ontario. The cottage is opened on the May long weekend and closed on the Thanksgiving weekend. During the summer my parents spend most of their time at the cottage. The cottage is never rented out. During the w...
by Peculiar_Investor
15 Jan 2018 00:04
Forum: Financial Planning and Building Portfolios
Topic: Net Present Value / Intrinsic Value
Replies: 6
Views: 184

Re: Net Present Value / Intrinsic Value

Welcome to FWF. The first example, I see on websites when talking about net present value. The second example I see on websites when talking about intrinsic value. Perhaps if you provided links to those websites there would be more context to attempt to figure out what you are asking and why it is s...
by Peculiar_Investor
14 Jan 2018 23:08
Forum: Taxing Situations
Topic: US Resident Moving to Canada - Deemed Acquisition Question
Replies: 3
Views: 93

Re: US Resident Moving to Canada - Deemed Acquisition Question

Welcome to FWF. I cannot provide any specific knowledge on your questions but I know there are others here who have experience in these matters.

You might also want to review our wiki article, Cross-border and expatriate issues, that covers some of the logistics that you might need to consider.
by Peculiar_Investor
14 Jan 2018 10:09
Forum: Financial Planning and Building Portfolios
Topic: US citizen working in Canada - what to put in RRSP?
Replies: 2
Views: 66

Re: US citizen working in Canada - what to put in RRSP?

Welcome to FWF. Looks like you've done quite a bit of homework, thank you. considering that I can only contribute to 3 accounts going forward (US tax-free, US taxable, and RRSP), which funds should go where? I would think you could also establish a taxable account in Canada. You don't mention it but...
by Peculiar_Investor
14 Jan 2018 09:03
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Sears Canada (Symbol-SCC)
Replies: 71
Views: 3418

Re: Sears Canada (Symbol-SCC)

I haven't even been tempted to visit a store, although I did have to walk through one over Christmas to change floors at the local mall. What a disaster. The final day is now here Final Sears Canada stores shuttered for good - CBC News All remaining Sears Canada stores will close their doors for goo...
by Peculiar_Investor
13 Jan 2018 14:38
Forum: Under the Mattress: Protecting Your Money
Topic: Best Credit Card (2016-2018)
Replies: 233
Views: 11871

Re: Best Credit Card (2016-2018)

Ultimately the 'best credit card' will depend on the circumstances, requirements and usage patterns of the card holder(s). I don't believe we will ever get back to the one-size fits all credit card. That one has long ago left the barn. The marketing wizards at the financial institutions are always c...
by Peculiar_Investor
13 Jan 2018 08:35
Forum: Under the Mattress: Protecting Your Money
Topic: Important change to the Amazon.ca Rewards Visa Card program
Replies: 49
Views: 1278

Re: Important change to the Amazon.ca Rewards Visa Card program

So, should we have a dedicated thread on what card best replaces the Chase Amazon Visa? It might help avoid a lot of scrolling through other threads to get the answer. A dedicated topic to discuss dealing with Chase's decision to close the Amazon Visa card and how it will impact those holding/using...
by Peculiar_Investor
13 Jan 2018 08:29
Forum: Under the Mattress: Protecting Your Money
Topic: Best Credit Card (2016-2018)
Replies: 233
Views: 11871

Re: Best Credit Card (2016-2018)

A number of posts have been split into a dedicated topic, Important change to the Amazon.ca Rewards Visa Card program. because
Chase website wrote:As of March 15, 2018, Chase will be closing all Amazon.ca Rewards Visa Card accounts.
by Peculiar_Investor
12 Jan 2018 18:43
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2018)
Replies: 19
Views: 1813

Re: What did you sell? What might you sell? (2018)

BRIAN5000 wrote:
12 Jan 2018 18:37
Percent to whole EQUITY portfolio (ETF's included) 2.43%
That is the measurement that I would examine to make a determination on whether to trim or not. How many equity positions, ETFs do you hold?
by Peculiar_Investor
11 Jan 2018 17:14
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 111
Views: 3943

Re: How Did You Do in 2017?

A number of posts have been moved to Lessons learned and mistakes made as they cover mistakes and lessons from previous years.
by Peculiar_Investor
11 Jan 2018 08:40
Forum: Financial Planning and Building Portfolios
Topic: $450K to invest for six months -- what would you do?
Replies: 29
Views: 778

Re: $450K to invest for six months -- what would you do?

Given the short term nature I wouldn't take any additional risk. I'd just hold my nose and accept the essentially risk-free return of a HISA or equivalent such as commercial paper. No-one has an accurate crystal ball but it is worth considering that the current bull market is very long in the tooth....
by Peculiar_Investor
10 Jan 2018 11:55
Forum: Under the Mattress: Protecting Your Money
Topic: Where to park USD cash?
Replies: 29
Views: 846

Re: Where to park USD cash?

DenisD wrote:
10 Jan 2018 11:46
I think the CIBC funds in that list are money market funds, not ISAs.
:oops: You are correct and the wiki has been correct too.
by Peculiar_Investor
10 Jan 2018 11:49
Forum: Financial News, Policy and Economics
Topic: Buffett Buffet
Replies: 661
Views: 125953

Re: Buffett Buffet

And then there were two? Sizing Up Warren Buffett's Successor - Bloomberg Gadfly Greg Abel and Ajit Jain are shaping up to be the next generation's Warren Buffett and Charlie Munger -- the largest shoes anyone in Corporate America will have to fill. On Wednesday morning, Berkshire Hathaway Inc. anno...
by Peculiar_Investor
10 Jan 2018 08:36
Forum: Under the Mattress: Protecting Your Money
Topic: Where to park USD cash?
Replies: 29
Views: 846

Re: Where to park USD cash?

Thanks to the detective work here I have made some additions to our wiki, Fund-based investment savings accounts.
by Peculiar_Investor
10 Jan 2018 07:39
Forum: Financial News, Policy and Economics
Topic: Country Investing Based on CAPE
Replies: 6
Views: 171

Re: Country Investing Based on CAPE

An interesting point of view and data set, but I'm not sure how relevant would be to an individual investor. From my reading of FWF'ers, they fall mostly into two camps. Camp A are those that index, who for the most part tend to use broad-based indexes such as S&P/TSX, S&P500 and MSCI EAFE (or equiv...
by Peculiar_Investor
09 Jan 2018 21:52
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Bonds - Rolling Down The Yield Curve, theory vs real-life experience
Replies: 10
Views: 433

Re: Bonds - Rolling Down The Yield Curve, theory vs real-life experience

Isn't this where the bond guys at PHN or at Mawer get to earn their keep? Probably, although given the trade sizes involved it probably all remains within the discount brokerage. Just channeling my inner Walter Mitty. It is probably the same as trading preferred shares knowing the other side is pro...
by Peculiar_Investor
09 Jan 2018 20:57
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Bonds - Rolling Down The Yield Curve, theory vs real-life experience
Replies: 10
Views: 433

Re: Bonds - Rolling Down The Yield Curve, theory vs real-life experience

Further reviewing my bond portfolio spreadsheet, the BRP Finance 11/05/18 bond that I sold was purchased in July 2010 at $100.59 and sold at $102.32, so I've also locked in some capital gains with a total return around 41% (according to the spreadsheet). I have two other 2018 maturities, one of whic...
by Peculiar_Investor
09 Jan 2018 19:48
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Marijuana Legalization [Investment opportunities]
Replies: 56
Views: 2451

Re: Marijuana Legalization [Investment opportunities]

Now about another way to play the frenzy, with a profitable company that has been in business for a very long time. I give you ... Better Know a Marijuana Stock: Scotts Miracle-Gro -- The Motley Fool , symbol SMG (NYSE). Added bonus for the dividend growth investors in the crowd is SMG's historical ...
by Peculiar_Investor
09 Jan 2018 13:49
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Bonds - Rolling Down The Yield Curve, theory vs real-life experience
Replies: 10
Views: 433

Re: Bonds - Rolling Down The Yield Curve, theory vs real-life experience

trying to trade bonds around the "sweet spot" on the yield curve, where "sweet spot" is defined as the steepest part of the yield curve. I'm not going there. I'm just trying to determine whether or not to include this process into managing my existing bond ladder. By definition we will have bonds m...
by Peculiar_Investor
09 Jan 2018 11:43
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Bonds - Rolling Down The Yield Curve, theory vs real-life experience
Replies: 10
Views: 433

Re: Bonds - Rolling Down The Yield Curve, theory vs real-life experience

Decided to take the plunge and give it a try. In a registered account I had BRP Finance Corp 5.25% coupon bond maturing 11/05/18 with a current YTM of 2.37% at TD DI's bid price. I could replace it with the same issuer, BRP Finance Corp, a 3.63% coupon bond maturing 01/15/27 with a YTM of 3.73% at T...