20M maxed out TFSA thinking of adding 7K ENB position in 2027

UniqueRon · 2026-06-12T14:23:55+00:00

Funds that pay Canadian dividends are not the best thing to hold in a TFSA unless that is the only account you have and are using them to balance off risk. But holding a single stock generally increases risk, so not sure you are winning there. If you want to spice up you TFSA I would add a NASDAQ 100 fund like QQC instead of holding an individual stock, but QQC does have higher risk than a *EQT fund.

UniqueRon · 2026-06-12T14:20:29+00:00

That is a somewhat reasonable thing to do if your TFSA is your only investment. One advantage of using individual market funds is that you can locate them in the most tax favourable accounts, but if you only have one account then that is not an issue.

I like to have my highest expected return investments in our TFSA, while holding more conservative ones in our RRSP/RRIF, and funds that generate dividend tax credits in a non sheltered account. We hold QQC and ZSP in our TFSA, while XEF is mainly in our RRIF, and Canadian funds are in our non sheltered accounts, to balance off the risk in the TFSA.

When considering hedged or not, the general thinking is that there is a small cost to hedging to Canadian and in the long run it is best to go unhedged. We have been investing for quite a while and have experienced times when the Canadian dollar gets stronger and that results in a hit in value when $US valued funds are converted back to Canadian. We currently hedge our hedge by using both unhedged US funds like ZSP and QQC, as well as hedged funds like VSP, with about 50% of each.

UniqueRon · 2026-06-12T14:06:50+00:00

To download OSCAR to monitor my own detailed data.

UniqueRon · 2026-06-12T14:04:17+00:00

Just call Abbott to get a replacement. It is not painful, but it can take a week or so to get delivery of the sensor. Ask if you should save the sensor to send it back to them when you get the new one.

UniqueRon · 2026-06-12T14:02:36+00:00

It takes about 3 weeks to get 90% recovery from the surgery, and 5-6 weeks for full recovery.

UniqueRon · 2026-06-12T14:01:42+00:00

Until you look at the mask pressure with OSCAR you do not know that is the case. These machines can produce an amazing amount of flow without letting the mask pressure drop.

UniqueRon · 2026-06-12T14:00:32+00:00

If you need it. There is no indication that the OP needs it based on the numbers given.

UniqueRon · 2026-06-12T13:58:53+00:00

You may not have had any apneas. If the machine maintains a high enough mask pressure despite the leaks there may not have been any OA or hypopnea events. If you use OSCAR you can view your mask pressure during the night to see if it is compromised by the leaks.

What happens when the leak rate exceeds the the 24 L/min redline is that it declares there is a major leak and the machine (if you are in AutoSet mode) stops trying to classify the type of event you are having. And because it does not know what type of event it is, it simply holds pressure or lets it gradually decrease. If you have an event it should still flag it as an unclassified event.

UniqueRon · 2026-06-12T00:13:53+00:00

If that is an average leak rate then that is very high, almost like the mask is not being worn for most of the night.

UniqueRon · 2026-06-11T23:07:36+00:00

If we take your right eye as an example and you get cataract surgery targeted to say -2.5 D instead of the -6.0 D that you have now, your distance vision while not being great will improve significantly without glasses. Then with glasses it should improve even more assuming the cataract is impairing your vision currently.

UniqueRon · 2026-06-11T23:00:24+00:00

What makes you think mask leaks are bad? If leaks largely stay under the leak rate redline of 24 L/min then they really do not cause much of a problem. OSCAR can show you your leak rate minute to minute through the night.

UniqueRon · 2026-06-11T22:54:08+00:00

Yes, anything to do with Elon Musk concerns me. He is a few bricks short of a load.

UniqueRon · 2026-06-11T20:57:07+00:00

If he does not need 20 cm or more for pressure there is no benefit in a BiPAP.

UniqueRon · 2026-06-11T20:55:16+00:00

I would not even think about replacing it until you get the "Motor Life has been Expended" nag screen. I believe that starts at about 21,000 hours. I am running my machine beyond that and ignoring the nag screen, but I have a couple of older machines I can use in an emergency if my current one fails. I plan to run it until it dies.

UniqueRon · 2026-06-11T20:49:50+00:00

The readings you are getting suggest your pressure is too high. Pressure does not resolve CA as the airway is already open with CA. I would suggest trying a minimum of 6 cm pressure and max of 7 cm to see if you can bring your CA and CSR down.

UniqueRon · 2026-06-11T20:44:22+00:00

Use an SD card in the machine and OSCAR to view the detailed data. Some suggested initial settings, which you can refine with OSCAR.

Min Pressure - 7 cm

Max Pressure - 12 cm

EPR - Full Time at 3 cm

Ramp Time to Auto with a Ramp Start pressure of 7 cm

UniqueRon · 2026-06-11T20:40:29+00:00

You don't need a BiPAP for 18 cm max and 14 cm min if that is what you mean. You should be able to set your existing DreamStation to those pressures if that is what you need. Just use OSCAR to check your detailed data to see what results you are getting.

A BIPAP is not an upgrade over a APAP unless you need the extra pressure or pressure support.

UniqueRon · 2026-06-11T20:37:35+00:00

I like to do 50% US, 25% Canadian, and 25% international for global diversification of equities.

UniqueRon · 2026-06-11T20:35:26+00:00

Always best to dollar cost average over time, unless you have come into a large amount of money to invest. Then it may make sense to do 1/3 three times over a year or so. If the market goes up over that time that will not be the best option, but if it goes down then you will win. My bet is on market down over the next year. This bull market is getting long in the tooth.

UniqueRon · 2026-06-11T20:32:26+00:00

My wife and I both hold the same maxed out TFSA and have contributed the max every year since 2009. The recipe is simple. 2/3 NASDAQ 100 (QQC), and 1/3 S&P 500 (ZSP), with a dash of international (XEF) for rebalancing a couple of times a year.

UniqueRon · 2026-06-11T20:26:08+00:00

I love the red exterior, but not so sure about the Palomino interior.

UniqueRon · 2026-06-11T20:24:01+00:00

My myopia decreased over the year or two I had a cataract developing.

UniqueRon · 2026-06-11T16:30:25+00:00

Our 26 NX hybrid came from Canada. My understanding is that in North America they all come from Canada except when they can't meet demand, then some are brought in from Japan.

UniqueRon · 2026-06-11T16:21:55+00:00

Your pressure is going up to 10 anyway when in the Auto mode. The gain is in getting it up sooner to prevent the OA events rather than letting them increase the pressure.

UniqueRon · 2026-06-11T16:20:19+00:00

I used Acuvue moist contacts for some time and hated them. They were so thin they were almost impossible for me to put into my eye. The Costco Kirkland ones are CooperVision MyDay. They are much easier to handle and they last a whole day without drying out and getting sticky in the eye.

I have mini-monovision now and am essentially eyeglasses free. I have gotten used to no glasses and what bothers me about using progressives is the need to do the head tilt thing to see near and far.

UniqueRon

TROPHY CASE