Search found 8669 matches

by adrian2
30 Aug 2017 11:33
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2017)
Replies: 159
Views: 15967

Re: What did you sell? What might you sell? (2017)

Pure Multi-Residential Reit. It has two condo holdings in the Houston area. The stock has been hit with the bad news with Houston. I have about 15k with this Reit. Wondering if I should bail out or has the bad news already been done? I'm picking the latter choice. It seems that the market today sha...
by adrian2
30 Aug 2017 11:17
Forum: Financial Planning and Building Portfolios
Topic: Strategy and Performance Tracking
Replies: 22
Views: 1175

Re: Strategy and Performance Tracking

RPABVG wrote:
29 Aug 2017 22:57
Seems the consensus is use of an excel spreadsheet.
FWIW, I'm using Quicken, not Excel.
by adrian2
29 Aug 2017 19:58
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: VGG or VGH???
Replies: 6
Views: 250

Re: VGG or VGH???

beachcomber wrote:
29 Aug 2017 17:54
Posted on the Wealthy Boomer (I think that's what it was called) as Clumpy. A
The name rings a bell. :)

I was the same adrian2 over there.
by adrian2
29 Aug 2017 10:42
Forum: Taxing Situations
Topic: Tax Efficiency and Asset Location
Replies: 18
Views: 941

Re: Tax Efficiency and Asset Location

One of the things I looked at was how fast to move my equities from nonregistered to TFSA. Move them as fast as possible? Or keep them in nonregistered as long as possible? I found it was better to keep them in nonregistered. But not by much. How can anything be better than tax free? In addition to...
by adrian2
26 Aug 2017 22:08
Forum: Retirement, Pensions and Peace of Mind
Topic: Credit Scores for free
Replies: 64
Views: 3443

Re: Credit Scores for free

impact is not a verb, but I'll use it as such http://www.dictionary.com/browse/impact?s=t noun 1. the striking of one thing against another; forceful contact; collision: The impact of the colliding cars broke the windshield. 2. an impinging: the impact of light on the eye. 3. influence; effect: the...
by adrian2
25 Aug 2017 07:46
Forum: Taxing Situations
Topic: Dividend Tax Advantages May Be An Illusion
Replies: 25
Views: 1063

Re: Dividend Tax Advantages May Be An Illusion

Why not a withholding tax for non-residents, much like we pay on US dividends? That would keep it simpler for Canadians. I think that's already in place. However, the withholding tax rate is limited by tax treaties to a relatively low percentage; if Canada wants to extract more out of corporations ...
by adrian2
25 Aug 2017 06:26
Forum: Taxing Situations
Topic: Dividend Tax Advantages May Be An Illusion
Replies: 25
Views: 1063

Re: Dividend Tax Advantages May Be An Illusion

One of the problems is non-resident shareholders. Fine. Then levy a corporate income tax and give every shareholder a tax credit equal to his or her share of the corporate tax. Cancels out for shareholders paying Canadian income tax. Isn't this pretty close to the current system of dividend tax cre...
by adrian2
24 Aug 2017 20:34
Forum: Taxing Situations
Topic: Dividend Tax Advantages May Be An Illusion
Replies: 25
Views: 1063

Re: Dividend Tax Advantages May Be An Illusion

IdOp wrote:
24 Aug 2017 19:38
twa2w wrote:I always felt corps should be able to deduct dividends as an expense and have people who recieve dividends add it to their income and pay normal tax rates.
+2

(Counting ghariton's post as +1)
One of the problems is non-resident shareholders.
by adrian2
24 Aug 2017 08:45
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dividend and distribution hikes (2017)
Replies: 228
Views: 27776

Re: Dividend and distribution hikes (2017)

Descartes wrote:
24 Aug 2017 08:29
Nice to see my confidence in the red-headed stepchild of the Canadian banks rewarded. Oh ye of little faith :)
You and me both!
by adrian2
23 Aug 2017 10:13
Forum: Taxing Situations
Topic: Investment income in a CCPC
Replies: 854
Views: 72509

Re: Investment income in a CCPC

Canada’s tax proposals read like a class-warfare manifesto against private businesses In many ways, the broad-sweeping proposals and the accompanying “Consultation Document,” heavily laced with offensive rhetoric, reads like a class-warfare manifesto against private businesses. One of the proposals...
by adrian2
21 Aug 2017 19:43
Forum: Taxing Situations
Topic: Investment income in a CCPC
Replies: 854
Views: 72509

Re: Investment income in a CCPC

soldToSoon wrote:
21 Aug 2017 16:01
Resulting in 0 gross profit. Is this a kosher situation?
Yes.
by adrian2
21 Aug 2017 16:00
Forum: Financial Planning and Building Portfolios
Topic: RRSP and TFSA - moving away from MF
Replies: 32
Views: 1232

Re: RRSP and TFSA - moving away from MF

GoodManners wrote:
21 Aug 2017 15:10
I'm also not sure what to buy with the RRSP and what to buy in the TFSA. There's roughly 70K in RRSP and 30K in TFSA.
Put the US listed ETF's in the RRSP.
by adrian2
20 Aug 2017 09:50
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign ATM Withdrawals-Debit vs No FX Fee Credit cards
Replies: 53
Views: 2748

Re: Foreign ATM Withdrawals-Debit vs No FX Fee Credit cards

Also pretty certain that the exchange rate is set immediately at the time of the transaction - even though it's not visible at the pending stage - cos the $values of the withdrawals never changed. In some cases, the CAD value does change from its number displayed in the "pending" status. I can't re...
by adrian2
20 Aug 2017 09:47
Forum: Under the Mattress: Protecting Your Money
Topic: Receiving Interac e-Transfer
Replies: 28
Views: 943

Re: Receiving Interac e-Transfer

I would contact the sender if I was not expecting a payment. Yes, good idea if it's someone you know. It's possible that their mail account was compromised and is being used for nefarious purposes. To make it look real the notification could include a made-up reason for the payment. What if the ema...
by adrian2
18 Aug 2017 16:36
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 500
Views: 47906

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

If I'm not mistaken you bought Dr? A company who can't keep a CEO for over a year and trading 3x book value. Speaking of debt, a company operating in the oil and gas industry tends to be capital intensive so manageable debt it not a problem. In 2015-2016 we decreased our debt by 14% while dr increa...
by adrian2
18 Aug 2017 07:36
Forum: Under the Mattress: Protecting Your Money
Topic: coverage by Cpif (new to FWF)
Replies: 4
Views: 292

Re: coverage by Cpif (new to FWP)

To expand: you use your brokerage to buy a $10k 5 year GIC @ 2% in January, in June interest rates shoot up to 10% and your GIC is worth $8k, then in July your brokerage becomes insolvent, CIPF will make sure you have your original GIC returned to you (now worth $8k), CDIC will make sure that the or...
by adrian2
17 Aug 2017 21:48
Forum: Under the Mattress: Protecting Your Money
Topic: Foreign ATM Withdrawals-Debit vs No FX Fee Credit cards
Replies: 53
Views: 2748

Re: Foreign ATM Withdrawals-Debit vs No FX Fee Credit cards

Any knowledge on the duration/renewal of the cash withdrawal limit on Amazon VISA cards? Presently in Europe, just ran into this, phoned to check, and was told that the limit renews on the statement date. I commented that this is different to all other cards (that I could remember) which have daily...
by adrian2
14 Aug 2017 19:31
Forum: Financial News, Policy and Economics
Topic: T plus two business days Starts Sept 5 2017
Replies: 28
Views: 1187

Re: T plus two business days Starts Sept 5

It would be nice to provide a source for such a decisive statement. Here's what I've googled: Preparing for Canada’s move to a T+2 Settlement Cycle T+2 Timing : Q3 2017, in line with the U.S. and subject to regulatory approval The Canadian Securities Administrators (CSA) have affirmed that Canada wi...
by adrian2
10 Aug 2017 07:12
Forum: Taxing Situations
Topic: Investment income in a CCPC
Replies: 854
Views: 72509

Re: Investment income in a CCPC

Is a 93% Tax Rate Fair to Canadian Small Business Owners? Some may suspect that we are exaggerating the impact of the Fair Tax Plan. To them, we would ask if a tax system that can confiscate the hard-earned income of a business owner at a tax rate of over 93% is fair? This could be the result if th...
by adrian2
07 Aug 2017 07:13
Forum: Retirement, Pensions and Peace of Mind
Topic: Credit Scores for free
Replies: 64
Views: 3443

Re: Credit Scores for free

The only thing is that i have paid for my credits but the update doesnt show that. Should I wait or contact them? Give it another month or two. Unless you're going to be applying for credit in the immediate future, you should not have to care about daily fluctuations of your credit score and how qu...
by adrian2
06 Aug 2017 08:32
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 500
Views: 47906

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

Thegipper wrote:
05 Aug 2017 19:34
It is a mugs game trying to predict the direction of a currency.
:thumbsup:
by adrian2
04 Aug 2017 09:56
Forum: Retirement, Pensions and Peace of Mind
Topic: Credit Scores for free
Replies: 64
Views: 3443

Re: Credit Scores for free

:( Hello guys, I recently noticed that my credit score has dropped from 700 to 614! I did more caring like writing down the due dates and paying ontime , now after one week that i paid most of my credits, it dropped to 613! I am so desparate. I don't know what should i do . Get your credit report (...
by adrian2
03 Aug 2017 11:34
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dividend and distribution cuts (2017)
Replies: 25
Views: 2697

Re: Dividend and distribution cuts (2017)

Teva Pharma (TEVA) Lowers Quarterly Dividend 75% to $0.085; 1.1% Yield Teva Pharma (NYSE: TEVA) declared a quarterly dividend of $0.085 per share, or $0.34 annualized. This is a 75% decrease from the prior dividend of $0.34. Others have seen it coming: https://www.simplysafedividends.com/teva-divid...
by adrian2
02 Aug 2017 22:47
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Allocation - Thoughts on Emerging Markets
Replies: 7
Views: 221

Re: Portfolio Allocation - Thoughts on Emerging Markets

frankrom wrote:
02 Aug 2017 22:42
It would have to go into my non registered side. Any issues there ?
No issues there.
by adrian2
02 Aug 2017 22:36
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Allocation - Thoughts on Emerging Markets
Replies: 7
Views: 221

Re: Portfolio Allocation - Thoughts on Emerging Markets

frankrom wrote:
02 Aug 2017 22:27
But then I started thinking if it would be worth to add some meeting markets... such as EEM.
In case you decide to get some emerging markets, I see absolutely no reason to buy EEM (72 bps MER), when you could buy VWO (14 bps MER).

I did own EEM in the past; nowadays I own VWO.