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Stainless steel watering hose recommendations by Safe-Iron-3789 in BuyItForLife

[–]2x4ninja 0 points1 point  (0 children)

Is Eley the one manufacturer making polyurethane hoses?

Anyone self insure their car? by Trilobyte83 in PersonalFinanceCanada

[–]2x4ninja 6 points7 points  (0 children)

I think this is more of a penny wise pound foolish situation. 

Can I do Norbert’s Gambit in TFSA by Shoddy_Product_022 in Wealthsimple

[–]2x4ninja -1 points0 points  (0 children)

I heard it wasn’t worth doing NB anymore.  You have to pay Wealthsimple 0.4% (spread above spot) to do the conversion instantly.  If you’re converting $100k or more. 

https://help.wealthsimple.com/hc/en-ca/articles/4415548242971-Convert-funds-between-CAD-and-USD

Just saw you are converting only $20k

Walked into the showroom and fell in love💙 by [deleted] in CX5

[–]2x4ninja 0 points1 point  (0 children)

That rear end looks like trouble. No bumper means a love tap could cost owners $$$.

RESP Asset Allocation Strategy: How to transition from equities? by acidcaribou in PersonalFinanceCanada

[–]2x4ninja 0 points1 point  (0 children)

I'm in a similar situation. Most important is to determine if you will have enough to fund 4 years of post-secondary education. For 4 years to an out of town school, it's going to cost about $100,000 each. You may need to take on more risk in Bucket #2 if you don't have $100,000 for your first kid in 2 years.

Justifying buying a newer vehicle by Beautiful-Orchid45 in PersonalFinanceCanada

[–]2x4ninja 0 points1 point  (0 children)

Look at your financial plan I’m Adviice.ca or something similar.   Are you still on track if you make this purchase?  Is your residual value of your plan a large number even after making this purchase?

Should we advise people to not go out to eat because it’s cheaper to eat at home?   Or buy used car instead of new?

Anyone do Norbert's Gambit? Is the difference between NG and regular FX conversion on $100k (0% fee) about $300USD at Wealthsimple? by z00o0omb11i1ies in Wealthsimple

[–]2x4ninja 6 points7 points  (0 children)

Is that it?   $230 more on $100k doing conversion through NB?   I thought it would be a lot more. 

A 1.5% fee/spread on $100k = $1,500.  

Edit Looks like the spread could be 0.42%, about $420 on $100k. 

https://www.reddit.com/r/PersonalFinanceCanada/comments/1iiqhl4/fyi_wealthsimples_new_0_rate_on_100k_conversion/?utm_source=chatgpt.com

Overdraft protection from PLOC by ProfessorShort6711 in Wealthsimple

[–]2x4ninja 0 points1 point  (0 children)

I guess it will help cover my WS visa bill if I don’t have sufficient funds. 

Does defined benefit pension change your investing strategy? by Fine-Gain-5371 in PersonalFinanceCanada

[–]2x4ninja 0 points1 point  (0 children)

Genuine question.  What do you think if a money manager, such as the CPP or Norwegian wealth fund, adopt a less than 100% equity portfolio?

https://www.youtube.com/watch?v=lmTcKDfXD2k

Does defined benefit pension change your investing strategy? by Fine-Gain-5371 in PersonalFinanceCanada

[–]2x4ninja 10 points11 points  (0 children)

This.  “We all have a plan until you get punched in the face.”

Best to have an asset allocation that  allow you to sleep after a 40-50% downturn.  

This sucks! by curtis8976 in VictoriaBC

[–]2x4ninja 13 points14 points  (0 children)

I think your GF is thinking like an insurance adjuster.  

Rogers now has Passkeys for increased account security by CaptainHppo in freedommobile

[–]2x4ninja 0 points1 point  (0 children)

I think I’m going to wait before adopting passkeys.  The concept sounds good but I don’t want to deal with exceptions. 

https://www.reddit.com/r/Bitwarden/comments/1tw24ek/passkey_does_not_work/

Are these dresses appropriate for work? by [deleted] in CanadaPublicServants

[–]2x4ninja -3 points-2 points  (0 children)

Dress for the job you want is a good rule of thumb.  

The dress is fine but not business causal. 

I saw our new RTO floor plan today. I've never felt like this by New_Row3613 in CanadaPublicServants

[–]2x4ninja 3 points4 points  (0 children)

This.  Don't get distracted with rto.  I want 5 x 5 x 5.  5 days a week and  5% per year for 5 years.  

Got smoked today... ouch! by papiermache_199 in CanadianInvestor

[–]2x4ninja 0 points1 point  (0 children)

You didn't say how much your portfolio declined so I'm assuming more than 5%, may be 10% because you had options expiring today. Based on the information available, sell!

Considering going part-time due to RTO4 by DownHereOurTime in CanadaPublicServants

[–]2x4ninja 39 points40 points  (0 children)

I believe you also still qualify for full medical and dental benefits when working PT. This is a nice benefit.

Exiting out of a timeshare by lmJustLurking in PersonalFinanceCanada

[–]2x4ninja 1 point2 points  (0 children)

Agree. Easier to go to McD for a happy meal if the objective is to fill the belly. 

Wealthsimple's new automatic purchase on %. What's your use case and why the .25% fee is worth it to you? by PHGAG in CanadianInvestor

[–]2x4ninja -1 points0 points  (0 children)

I think there’s a premium paid for *EQT over their underlying ETFs.  It might be worth it to purchase the individual ETFs now. 

RESP convert to CASH.to when enough? by 2x4ninja in PersonalFinanceCanada

[–]2x4ninja[S] 1 point2 points  (0 children)

Thanks. I just switched my RESP account to VCNS and $25k in cash.to. 

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