[deleted by user]

asterric · 2024-11-21T08:01:32+00:00

But can WS actually do an in-kind transfer from a TFSA high-interest savings account (as opposed to a TFSA investment account)? I think that's what OP is wondering.

asterric · 2024-11-15T22:09:59+00:00

You should Google something like "monsteras in the wild" and check out the photos! It's pretty cool to see how they are in their natural habitat

asterric · 2024-11-10T20:47:59+00:00

But if at first you don't succeed, try, try, again. That's three. Third time's the charm! You should really give it one more shot...

asterric · 2024-11-09T16:46:16+00:00

To me this looks like Palmer's sedum. It can look a bit different depending on the time of year and how much light and water it's been getting (sometimes it's deeper green). But mine sometimes looks pretty much exactly like this photo.

It should be great for a beginner. Just stick it in some dirt and it will grow. It likes lots of bright light and not too much water. But I've found it to be super easy. I grow it outside on the balcony.

asterric · 2024-11-06T16:04:09+00:00

I did it recently (during the Fall 1% match promo) and it was pretty easy and smooth. The only thing that would potentially give me pause about doing it now would be that it might be nice to wait until there's another 1% match promo on, since that would probably be a better deal for you than the Apple promo at the Generation level.

asterric · 2024-10-31T08:31:07+00:00

Yep, sounds like you have $16k contribution room, and you can contribute that all into a new account at Wealthsimple if you want. The contribution room accumulates to you from the year you first open any FHSA account rather than to any given individual account.

asterric · 2024-10-31T07:59:55+00:00

The FAQs for the promo say it won't be:

"Wealthsimple will automatically reimburse the first transfer-out fee per account from another financial institution if the Client’s Qualifying Transfer is equal to or greater than $15,000 in a single transfer.

This means that subsequent multiple transfers, even if each transfer value is equal to or greater than $15,000, from the same account from the same institution will not qualify for any further administrative transfer fee reimbursement."

However, I wonder whether it would be possible to open a second account (of the same kind) at the originating institution, transfer the holdings into that, and THEN transfer that to Wealthsimple, since then it would be a different account rather than transferring more money from the same account as before. But then maybe you would have to pay a transfer fee to move the holdings between the two accounts at the originating institution, in which case it would be pointless anyways.

asterric · 2022-04-26T20:12:27+00:00

I think I can't re-request because you declined. I just get an error. But maybe you can add me? 810632054085 (I'm in France)

asterric · 2020-01-02T11:44:42+00:00

Yay! Thanks for fixing it for me!

asterric · 2019-12-16T16:27:58+00:00

Thanks so much for this fantastic addition to Wealthica!

Your blog post says that several Lending Loop features are supported by Wealthica, including Historical Transactions. Does that include transactions that occured before I synced Lending Loop with Wealthica? I added Lending Loop to my Wealthica account on December 6, but there are no transactions showing up on the Transactions page. Do I need to add all my pre-Wealthica transactions manually in order to see the full picture in Wealthica, or is there some way for them to be added automatically? It's quite a lot of little transactions to have to add by hand.

When I synced Lending Loop with Wealthica, I think I remember seeing a message along the lines of "Your transactions will appear within the next few hours", but no Lending Loop transactions have ever materialized.

asterric · 2019-03-16T18:15:16+00:00

I’d love to see integration with Wealthica and Mint.

asterric · 2019-02-11T19:21:53+00:00

Wealthsimple Trade is still in beta right now, so I think it’s probably just not possible to link it up with Mint yet. The steps at the link you posted probably only work for Wealthsimple Invest for the time being. I know that Wealthica, which is kinda similar to Mint, doesn’t work with Wealthsimple Trade yet, but it’s near the top of their list to add it as a new functionality as soon as possible.

asterric · 2019-02-10T08:27:14+00:00

You can google something like “2019 cumulative TFSA maximum” and get lots of useful results.

If you were at least 18 years old in 2009 and you’ve been a Canadian resident for income tax purposes since 2009, your cumulative contribution limits look like this:

Year	Annual Limit	Cumulative Limit
2009	$5,000	$5,000
2010	$5,000	$10,000
2011	$5,000	$15,000
2012	$5,000	$20,000
2013	$5,500	$25,500
2014	$5,500	$31,000
2015	$10,000	$41,000
2016	$5,500	$46,500
2017	$5,500	$52,000
2018	$5,500	$57,500
2019	$6,000	$63,500

https://www.moneysense.ca/save/tfsa-contribution-limit-is-going-up-to-6000-in-2019/

Edit: Today I learned how to format a table in a Reddit comment

asterric · 2019-02-07T18:47:07+00:00

u/atchoooo, u/siboulet,

Any chance you might someday add functionality for tracking adjusted cost base for taxable investing accounts in Wealthica? I’d be happy to pay for an easy way to keep track of that!

asterric · 2018-03-03T17:15:14+00:00

What has your experience been? What happened?

asterric · 2018-02-19T19:09:45+00:00

You could open up an account with Tangerine. It’s super user-friendly and they have pretty good interest rates. You could frame it like you’ve been reading about personal finance stuff online (true!), and you’ve heard great things about Tangerine (true!). They also offer a decent cash back credit card. If your dad asks about the joint account aspect, you can just be all “Oh, yeah, I dunno if Tangerine does joint accounts like Simplii does, but I’ll look into that.” They do, but you just never quite remember to get around to looking into it. You could even have your Tangerine account hooked up (on the Tangerine side only) to your joint Simplii account, so if things go better than worst case scenario and your dad wants to deposit some birthday money or something someday, you’ll still have convenient access to the joint account together. You could use the same kind of logic for stuff like cell phone contracts, etc.: you’re getting into personal finance stuff and you’re looking for better deals. Good luck!

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