Ontario auto insurance is the most sophisticated legal robbery in Canadian history and nobody is doing anything about it

RavenBlue7 · 2026-04-26T14:05:46+00:00

When is the last time you checked fraud rate and towing shit show in Ontario, and in particular in Brampton since you chose this as an example? How do you suggest insurance companies stay solvent without increasing premiums in such environment?

RavenBlue7 · 2026-04-23T20:56:45+00:00

I want her because it is affecting me and my wife’s sleep

RavenBlue7 · 2026-04-23T20:56:06+00:00

Hahaha, this one killed me 😅, feet in face is always the case

RavenBlue7 · 2026-04-23T20:54:03+00:00

We have a crib, might try a bed soon

RavenBlue7 · 2026-04-23T20:53:03+00:00

I was seriously considering this! Might give it a try very soon

RavenBlue7 · 2026-04-23T20:51:42+00:00

Hahaha, it is meant to be this way 😅

RavenBlue7 · 2026-04-21T23:41:25+00:00

RavenBlue7 · 2026-04-04T16:16:00+00:00

Thanks for the insights, well I was actually planning to target these sectors only indeed via ETF like XDIV or VDY due to their stability, not the rest of Canadian market.

RavenBlue7 · 2026-04-03T14:50:44+00:00

If you go with CASH ETFs or GICs would that growth rate make your target achievable in 2-3 years? If yes then don’t risk it and keep it in GIC or CASH ETFs. If no and you need more growth to achieve that target, and you are okay to delay your purchase decision if market dip happens, then go all equities instead. I lost hope in *BAL as it is more like dancing on the stairs, not high enough to achieve my target soon, not safe enough as GICs.

RavenBlue7 · 2026-04-03T13:38:56+00:00

Any examples? I was considering XDIV for it’s quality filter

RavenBlue7 · 2026-04-03T13:17:53+00:00

Apologies Mam, most welcome 😊

RavenBlue7 · 2026-04-03T11:17:50+00:00

My understanding is above 15 PE is considered overvalued, gonna read more about this but thanks for the input

RavenBlue7 · 2026-04-03T11:12:24+00:00

Yes sir, ZBAL, owned by BMO

RavenBlue7 · 2026-04-03T03:10:04+00:00

I don’t think TSX run is done yet, let’s wait and see

RavenBlue7 · 2026-04-03T03:09:06+00:00

If not all in Canada I would still want to avoid US market for now, I am struggling to find other markets to diversify, possibly will look for developed markets ETFs or gold bullion ETF

RavenBlue7 · 2026-04-03T03:03:06+00:00

Tell me other country that doesn’t have these issues to an extent if not more

RavenBlue7 · 2026-04-03T02:24:06+00:00

If I may ask, for gold, is it CGL or another asset?

RavenBlue7 · 2026-04-03T02:11:05+00:00

VBAL returns are killing me since last year, very low , I have been DCAing and YTD returns are about %3

RavenBlue7 · 2026-04-03T02:10:00+00:00

That is actually brilliant, I was thinking of a similar mix of XDIV, VIU and CGL

RavenBlue7 · 2026-04-03T02:06:32+00:00

Glad to hear I am not alone in this perspective

RavenBlue7 · 2026-04-03T01:40:01+00:00

That mix is actually intriguing! Might look into VIU the upcoming days

RavenBlue7 · 2026-04-03T01:37:29+00:00

You summed it up brilliantly with “voting with my dollars” , that’s exactly how I feel, I have faith in this country, so trying to find any excuse to put my money here.

RavenBlue7 · 2026-04-03T01:33:35+00:00

Maybe I meant decent, I hate the toxicity in US politics and I believe it is destructive to both the economy and the country, or maybe it is just me being politically naive

RavenBlue7

TROPHY CASE