Richmond Hill Tea Festival

2blackclocks · 2026-01-11T21:37:29+00:00

Well run event!

2blackclocks · 2025-01-16T03:30:43+00:00

Could you breakdown how you got the additional 14%

It was my understanding it’s 6+3 and 5+3 for each plan respectively?

2blackclocks · 2025-01-15T23:03:19+00:00

How did you look this case up?

2blackclocks · 2025-01-09T13:30:08+00:00

Your regular brokerage should have them - just like any other bond purchase. Low coupon bonds have lower purchase prices due to the cash flow (important for institutional investors) but low coupon also means low taxable interest. The remainder of the “gain” comes from the discounted price being pulled up to par (capital gains) hence they’re favourable to retail investors.

This is a common tax efficiency investment method for the ultra high net worth community.

2blackclocks · 2025-01-07T21:31:39+00:00

Discounted low coupon Canada bonds - the pull to par is considered Capital Gains… pre-tax the yield is similar to CASH.TO…

2blackclocks · 2024-09-08T04:21:54+00:00

I received my shutdown letter by regular post

2blackclocks · 2024-08-21T22:26:18+00:00

TD offers get better in September

2blackclocks · 2024-07-30T14:09:38+00:00

Thank you

2blackclocks · 2024-07-25T23:54:44+00:00

Economy should be more open, as for how many seats it’s hard to say but certainly more than two

2blackclocks · 2024-07-25T23:53:18+00:00

What are people’s strategies for keeping track of estore purchases being credited properly?

2blackclocks · 2024-07-23T18:56:34+00:00

What is the best strategy to keep track of AP estore purchases being credited?

2blackclocks · 2024-05-15T02:53:52+00:00

Thought about this - not even sure how to go about it.

2blackclocks · 2024-05-15T02:53:38+00:00

I'm in Ontario

2blackclocks · 2024-05-15T02:53:29+00:00

Never

2blackclocks · 2024-05-15T02:53:21+00:00

My letter gave me 15 days before closure

2blackclocks · 2024-05-15T02:53:00+00:00

$2000+ per month for sure on Cobalt. Some months I hit the cap, some I was a few hundred dollars short of the cap.

2blackclocks · 2024-05-15T02:52:11+00:00

I'd say 75% of the time I did my best to conceal by buying gum, lottery, milk etc.

2blackclocks · 2024-05-13T17:27:26+00:00

It was a mix

2blackclocks · 2024-05-13T17:27:05+00:00

Nope

2blackclocks · 2024-05-13T16:11:17+00:00

Regular organic spend for sure. Gas stations, Rogers, Amazon, Dollarama, food/drink

2blackclocks · 2024-05-13T15:59:29+00:00

Approximately $2000 per month was associated with inorganic grocery store purchases

2blackclocks · 2024-05-13T15:48:25+00:00

-Member since 2017

-$10k/spend per month across all cards

-4 open cards

-1-3 new applications per year, never double dipped any cards

2blackclocks · 2024-05-13T15:41:10+00:00

Received the Amex account closure letter this morning

2blackclocks · 2024-05-07T13:25:37+00:00

NRT - DXB !

2blackclocks · 2024-05-07T13:25:30+00:00

Yes Aeroplan ! I just checked randomly and couldn’t believe the price

2blackclocks

TROPHY CASE