Search found 1779 matches

by optionable68
05 Jan 2024 23:09
Forum: Taxing Situations
Topic: turbotax - web-based vs local install ?
Replies: 47
Views: 4059

Re: turbotax - web-based vs local install ?

OnlyMyOpinion wrote: 05 Jan 2024 21:21 See if this link will work. It was embedded in an email I received: [url=http://assets.movableink-templates.com/ ... 7f74-4896-
It worked. Thanks OMO :thumbsup:
by optionable68
05 Jan 2024 18:56
Forum: Taxing Situations
Topic: turbotax - web-based vs local install ?
Replies: 47
Views: 4059

Re: turbotax - web-based vs local install ?

like_to_retire wrote: 05 Jan 2024 16:10 I couldn't find anywhere else that offered 20% off. The price was $30.39 after discount.
I'm not seeing the 20% off on the website, so you have a different link?
by optionable68
02 Jan 2024 18:45
Forum: Financial Planning and Building Portfolios
Topic: How did you do in 2023?
Replies: 97
Views: 7489

Re: How did you do in 2023?

16.5% XIRR

Registered assets: 99% North American Equity, 1% cash

Taxable assets: 100% Long/Short Proprietary Hedge Strategy
by optionable68
31 Dec 2023 18:34
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Toronto Dominion Bank (Symbol TD)
Replies: 182
Views: 26550

Re: Toronto Dominion Bank (Symbol TD)

Basically just clipping dividend for the last 2 years with strong support at $76
by optionable68
29 Dec 2023 17:35
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: 2023 Predictions Contest
Replies: 78
Views: 6581

Re: 2023 Predictions Contest

Congrats to SG and each distinct winner of the 5 categories.

Special thanks (and congrats) to kcowan for his co-ordination of this contest and his timely monthly updates.
by optionable68
27 Dec 2023 10:02
Forum: Community Centre
Topic: Home internet providers - 2024
Replies: 20
Views: 1815

Re: Home internet providers - 2024

Bylo Selhi wrote: 26 Dec 2023 22:02
Why not Robbers and bHell? After all it's the former's infrastructure on which your Fido runs.
Mainly because advertised pricing is double what I pay with Fido. However the RFD link you shared sounds interesting if Im willing to take the time to play the Rogers "game". Thanks Bylo, will check it out.
by optionable68
26 Dec 2023 17:55
Forum: Community Centre
Topic: Home internet providers - 2024
Replies: 20
Views: 1815

Home internet providers - 2024

I found out today that Fido (Ontario) is no longer offering internet services for new customers. (Existing customers continue to have access to service)

Several of my family members use Fido, however over the next few months our "promo" rates ($39/mth) end and unless we are offered promo extensions, we expect to see our rates double.

Can anyone recommend a reputable/reliable alternative provider (other than Rogers and Bell) worth considering in Ontario?
by optionable68
26 Dec 2023 13:40
Forum: Taxing Situations
Topic: 2023 Estimated and actual non-cash (re-invested) ETF distributions
Replies: 29
Views: 2693

Re: 2023 Estimated and actual non-cash (re-invested) ETF distributions

Norbert Schlenker wrote: 26 Dec 2023 13:11 There are some BIG changes, generally reductions from a quick look.
I noticed that. Notably a shift (in my case) from non-cash to cash distributions.
by optionable68
24 Dec 2023 13:24
Forum: Community Centre
Topic: Merry Christmas!
Replies: 32
Views: 1959

Re: Merry Christmas!

Merry Christmas and the best to you all !

by optionable68
14 Dec 2023 19:59
Forum: Under the Mattress: Protecting Your Money
Topic: Bribes from Discount Brokers
Replies: 301
Views: 24258

Re: Bribes from Discount Brokers

Bylo Selhi wrote: 14 Dec 2023 18:00 P.S. to WealthSimple. You'll never get me to move for a lousy iPhone. Offer me an X1 Carbon 12 and I'll start the paperwork right now.
Maybe lets just make it a cash incentive and we each buy the smart phone or "insert gadget here" of our choice?
by optionable68
13 Dec 2023 21:14
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 3927
Views: 433294

Re: TD Direct Investing (was Waterhouse) Service

chufinora wrote: 13 Dec 2023 19:52 FWIW I have my TD LIF linked to my BMO chequing account. I don't have any banking accounts with TD. My experience has been withdrawals (Done online) deposit overnight.
Yes I recall the TDCT rep said the "option drop down list" allowed for external bank chequing accounts, but not TDCT. Strange.
by optionable68
13 Dec 2023 19:33
Forum: Financial News, Policy and Economics
Topic: Shocking rate of mortgages in arrears in Canada
Replies: 40
Views: 2044

Re: Shocking rate of mortgages in arrears in Canada

Lets see what happens through next years renewals
by optionable68
13 Dec 2023 16:31
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Frothy Equity Markets
Replies: 1395
Views: 155880

Re: Frothy Equity Markets

Its been a strong 6 weeks. Is this sustainable?
by optionable68
13 Dec 2023 15:57
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 3927
Views: 433294

Re: TD Direct Investing (was Waterhouse) Service

My auto-withdrawal is set for Nov 15. I don't remember how that was set. Something strange is going on with the destination account for my withdrawal. Last year I know the RRIF withdrawal went into my non-registered TDDI account. This year I noticed it says "Cheque" so I called TDDI and asked if that meant my chequing account or if they would issue a cheque. The rep said they would print a cheque and mail it to me. :( I said no, change it back to my non-reg account, which he did, and that's where the RRIF withdrawal went. Now it is back to saying the withdrawal destination is"Cheque". Does anyone else have "Cheque" for their RRIF withdrawal destination and if so does it go into their chequing account or does a...
by optionable68
12 Dec 2023 22:50
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: WealthSimple Trade
Replies: 73
Views: 10300

Re: WealthSimple Trade

NorthernRaven wrote: 12 Dec 2023 21:39 $172.50 needed for the transfer-out fee
I thought it was $150+HST=$169.50 ?
by optionable68
12 Dec 2023 18:49
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 3927
Views: 433294

Re: TD Direct Investing (was Waterhouse) Service

optionable68 wrote: 12 Dec 2023 09:56 We have a family member taking her RIF withdrawal out early today (official withdrawal date Dec 30). She instructed withdrawal on Webbroker this morning, yet no indication withdrawal request went through on activity screen. Is this normal?
UPDATE: Early RIF withdrawal cash made this morning is already at TDCT as of 6pm (SAME DAY!)
by optionable68
12 Dec 2023 16:36
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 3927
Views: 433294

Re: TD Direct Investing (was Waterhouse) Service

The family member has had auto-RIF withdrawal set on Dec 30 for several years.

It always auto-withdraws on Dec 30, and cash deposit appears at TDCT the next business day. There has never been any issue with this.

In the rare event she wants to withdraw all (or a portion) early, she simply instructs them and they withdraw on that morning and cash appears at TDCT the next business day.

Coincidentally, selecting Dec 30 allows her account to participate in the (un-guaranteed) annual Santa Claus rally.
by optionable68
12 Dec 2023 10:26
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 3927
Views: 433294

Re: TD Direct Investing (was Waterhouse) Service

Thanks all.

Odd that for any other TD transaction, we would at least see "pending" somewhere.
by optionable68
12 Dec 2023 09:56
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 3927
Views: 433294

Re: TD Direct Investing (was Waterhouse) Service

Anyone with experience in TDDI RIF Withdrawals?

We have a family member taking her RIF withdrawal out early today (official withdrawal date Dec 30). She instructed withdrawal on Webbroker this morning, yet no indication withdrawal request went through on activity screen. Is this normal?

When can she expect to see TDDI withdrawal and deposit into TDCT?
by optionable68
11 Dec 2023 10:40
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Toronto Dominion Bank (Symbol TD)
Replies: 182
Views: 26550

Re: Toronto Dominion Bank (Symbol TD)

Wiggan's arrival is a huge win for Wealth Management.

Prior to TD Securities, he was the highly respected CEO of TD Asset Management.
by optionable68
08 Dec 2023 21:12
Forum: Under the Mattress: Protecting Your Money
Topic: Bribes from Discount Brokers
Replies: 301
Views: 24258

Re: Bribes from Discount Brokers

Several family members have been with WST for 2 years and are happy.

I will wait for the iPhone promo to end before I make any move to WS.

I recall in May-July they were offering a flat 0.8% cash bribe for $500k accounts (without the iPhone distraction) and possibly a higher % if you call in with larger accounts. Will strongly consider making my move to WST once they revive that offer.
by optionable68
08 Dec 2023 15:18
Forum: Taxing Situations
Topic: 2023 Estimated and actual non-cash (re-invested) ETF distributions
Replies: 29
Views: 2693

Re: 2023 Estimated and actual non-cash (re-invested) ETF distributions

Sorry, I've made it more complicated than it needs to be.

I have owned XSP for years in my RRSP (Taxes a non-issue)

After investigation, I noted the 2022 year end distribution was announced and distributed as a "cash" distribution.

For 2023 year end however Blackrock announced it would be a "non-cash" distribution.

I'm not smart enough to understand why they would make this year-over-year change
by optionable68
07 Dec 2023 23:23
Forum: Taxing Situations
Topic: 2023 Estimated and actual non-cash (re-invested) ETF distributions
Replies: 29
Views: 2693

Re: 2023 Estimated and actual non-cash (re-invested) ETF distributions

AltaRed wrote: 07 Dec 2023 21:46 The press releases seem clear enough to me. Re-invested non-cash (capital gains) distributions are not paid out in cash. They are re-invested in a reverse stock split that increases ACB, which is what makes them 'phantom, and what this thread is about.

IIRC, they are always paid out on about the last business day of the year.

Cash distributions are the usual ones paid out every quarter, monthly, etc. They are not called re-invested distributions.
Then why did I receive an actual cash distribution for last year end paid on Jan 5th? (Blackrock press release language for my ETF is identical YoY)
by optionable68
07 Dec 2023 21:04
Forum: Taxing Situations
Topic: 2023 Estimated and actual non-cash (re-invested) ETF distributions
Replies: 29
Views: 2693

Re: 2023 Estimated and actual non-cash (re-invested) ETF distributions

gaspr wrote: 23 Nov 2023 12:52 Blackrock Canada press release

https://www.blackrock.com/ca/investors/ ... ss+release
The language always confuses me. It reads like "phantom" non-cash distributions, however, Blackrock's language is identical to last years press release where we received cash distributions.
by optionable68
07 Dec 2023 14:04
Forum: Under the Mattress: Protecting Your Money
Topic: High interest savings, GICs and MMFs (2023)
Replies: 1056
Views: 87814

Re: High interest savings, GICs and MMFs (2023)

I got a 5.5% offer for "new money only", too bad I forgot to deplete account ahead of time.

Mrs. optionable hasn't had a Tangerine offer since February 2023 :x .

Such a game.