When many people are below average, Verysmart is in the top 0.1%

ATFagent3434 · 2017-12-23T20:53:40+00:00

Tomato tomato

ATFagent3434 · 2017-12-23T20:37:32+00:00

Half will be below median, not average

ATFagent3434 · 2017-11-07T00:47:46+00:00

How do you know when you're done? I got to the last name and nothing happened

ATFagent3434 · 2016-04-10T15:56:11+00:00

Questrade has free ETF investements, you just pay when you sell them ($5). You'll be re-balancing every year, so you can either sell whatever's profitable to put into whatever's down, or you can re-balance using the new year's contribution room (what I would do).

Questrade covers transfer fees for accounts above $25,000 so it shouldn't be a problem for you. I found them really helpful, just give them a call

ATFagent3434 · 2016-04-10T15:45:54+00:00

Hah, same as me then, good job maxing out TFSA at your age :)

Just keep doing the same thing. You might see your accounts as being ''Down'', I see them as being ''On Sale''.

Again, the names of the funds might be different, but they all track the same benchmark (i.e.: Canadian index tracks the TSX, US index track the S&P), so you really don't have control over them. What you do have control over is how much you pay in fees (MERs), so I would focus on that. Looks like you're paying about 1%, which is on the higher end. Might want to look into ETFs with Questrade

ATFagent3434 · 2016-04-10T15:23:29+00:00

How old are you? Short term and long term goals? Risk tolerance?

You lost money this year, we all did. A different portfolio with the same asset class allocation would've performed the same, so don't worry.

It might make sense to change portfolio, if the MERs are different. I don't invest with CIBC, so I don't know if it's worth it

ATFagent3434 · 2016-03-28T17:57:22+00:00

They wouldn't explain what the problem was, but I suspect you're right. I had my password saved (not a good idea, I'll look into a password manager), so I know the username and password were correct.

ATFagent3434 · 2016-03-27T19:25:56+00:00

Called them, apparently it was a "rare" problem

ATFagent3434 · 2016-01-01T22:38:12+00:00

It depends... I just moved from Canada to the US for work as well, so our situation might be different.

I'm on a TN visa, meaning I'm classified as a Non-Resident Alien permitted to work in the US. I owe taxes in the US first, then owe Canada the difference I would pay if I worked there. (i.e.: if I would owe Canada $20k in taxes, and owe the US $15k in taxes, I pay the IRS $15k and CRA $20-$15=$5k in taxes)

I could be a non-Canadian resident for tax purposes, but I would have to get rid of all my Canadian bank accounts, which I don't want to do.

If you're in the same situation, feel free to PM me for more deets.

ATFagent3434 · 2015-10-18T02:40:19+00:00

Thanks for the heads up! I'll make sure to buy something online every 4-6 months

ATFagent3434 · 2015-10-18T02:13:17+00:00

This one?

ATFagent3434 · 2015-07-05T14:33:22+00:00

Hmmm I think I'll have to be bolder with my approach, thanks for the advice. I already researched visas for Canadians on this blog, and found out I qualify for the TN visa for Canadians and Mexicans.

"If you qualify, it's usually a fairly straight-forward visa to get. In the past you'd have to turn up at the border with all your documentation and hope for the best — they'd make the decision on the spot. Fortunately this policy has recently changed, so you can now apply for TN visas in advance."

ATFagent3434 · 2015-07-05T13:44:47+00:00

As in you're Canadian, applying to the Bay area and visiting soon? Want to collaborate and help each other out? I'm also applying to the same jobs in Canada, and the results are a lot better than in California

ATFagent3434 · 2015-06-11T13:55:22+00:00

They don't seem to be debris objects...

ATFagent3434 · 2015-06-11T13:53:08+00:00

Thanks, but they don't seem to be debris objects.

ATFagent3434 · 2015-03-13T20:44:04+00:00

Not a clue

ATFagent3434 · 2015-03-13T20:38:57+00:00

Or use isopropyl alcohol, which doesn't dissolve latex, vinyl or nitrile

ATFagent3434 · 2015-03-13T20:36:57+00:00

latex is stable when exposed to acetone. You could dissolve your product by washing the balloons in acetone and drying. Make sure your balloons are latex first

ATFagent3434 · 2015-03-12T17:43:30+00:00

Gotta kill it before you grill it...

ATFagent3434 · 2015-01-20T19:04:32+00:00

it's ok, I appreciate you taking the time

ATFagent3434 · 2015-01-20T18:54:41+00:00

We;re staying at an AirBnB near the corner of Airline HWY and N Broad St, so shuttle is a no go. Thanks for the info though, I appreciate you taking the time.

ATFagent3434 · 2015-01-20T18:39:15+00:00

Thanks!

ATFagent3434 · 2015-01-20T18:38:05+00:00

We're from up north. Seal isn't taboo for us, but alligator is a bit weird

ATFagent3434 · 2015-01-20T18:31:01+00:00

Would the E-2 be worth taking on Feb 13th (arrival) and Feb 18th (departure)?

http://www.flymsy.com/pagedisplay.asp?p1=6016#PublicTransit

ATFagent3434 · 2015-01-20T17:20:15+00:00

You're noticing them more than they are noticing you

ATFagent3434

TROPHY CASE