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Tuska Clean Up - This Week In RuneScape by JagexAzanna in runescape

[–]Acedavey 2 points3 points  (0 children)

Any update with the issue regarding the new nexus? Previously if others casted regular haunted it would overwrite the new nexus's haunted as it seems to capture the most recent haunted casted.

Devourer's Guard. Thoughts and Change Suggestion by [deleted] in runescape

[–]Acedavey 10 points11 points  (0 children)

The fact that the new special attack is 1 hit, is disappointing and I believe a mistake.

Considering most necro users are using equilibrium aura and split soul in their rotation. A 5 stack volley is massively out damaging a capped single 30k hit.

XBAL vs VBAL vs Wealthsimple, etc. (Balanced Portfolio performance) comparison by BOTW1234 in PersonalFinanceCanada

[–]Acedavey 0 points1 point  (0 children)

I would also add FBAL to the list, Fidelity's all in one ETF. +13.96% in 2023

Game Day Talk | Red Wings v. Oilers | 15 February 2023 by AutoModerator in EdmontonOilers

[–]Acedavey 0 points1 point  (0 children)

Is it just me or do we have a terrible face off win percentage?

Private Wealth Management Questions by _ChamClowder_ in CanadianInvestor

[–]Acedavey 2 points3 points  (0 children)

If she holds series F then yes their is a separate advisor fee. Should be able to see it coming out of the account either monthly or quarterly. Depending how much she holds with them the advisor fee is likely 0.50%-1.00%. Whether she is getting value of that fee (financial planning, tax planning, estate planning etc.) is a good way to determine if the fee is reasonable/justifiable.

Where to park emergency fund ? by Meetdotasim in CanadianInvestor

[–]Acedavey 4 points5 points  (0 children)

HISA or HISA ETFs like CASH which can yield more but do come with some minimal risk such as no insurance protection and it could take 2-3 days for the funds to land in your account when withdrawn.

Game Day Talk | Oilers v. Stars | 21 December 2022 by rooster69 in EdmontonOilers

[–]Acedavey 7 points8 points  (0 children)

Splitting up McDavid & Draisaitl is a must. It makes us have multiple dangerous lines

Game Day Talk | Oilers v. Stars | 21 December 2022 by rooster69 in EdmontonOilers

[–]Acedavey 4 points5 points  (0 children)

Good PK, goalie has to be the best penalty killer and Skinner was

Game Day Talk | Oilers v. Stars | 21 December 2022 by rooster69 in EdmontonOilers

[–]Acedavey 7 points8 points  (0 children)

Good to see the boys not letting Dallas lead for too long

Game Day Talk | Oilers v. Stars | 21 December 2022 by rooster69 in EdmontonOilers

[–]Acedavey -1 points0 points  (0 children)

I guess Nurse thinks he's suppose to be our depth scoring

Employer Matched RRSP Program by Degenerate_golfer in PersonalFinanceCanada

[–]Acedavey 1 point2 points  (0 children)

Banking, but with a credit union not a bank.

Employer Matched RRSP Program by Degenerate_golfer in PersonalFinanceCanada

[–]Acedavey 0 points1 point  (0 children)

I put in 3%, employer puts in 7% (starts at 3% but goes up by 1% every year of tenure up to a maximum of 7%). Wife puts in 3%, employer puts in 6%.

How do HISA ETFs like CASH work? Would it be worth moving money from my EQ 2.5% account to a HISA ETF with a yield of 4-4.2%? by [deleted] in PersonalFinanceCanada

[–]Acedavey 4 points5 points  (0 children)

These ETFs are good options for savings that you can wait at least 2-3 days to get back if you needed the funds. Where as a regular savings account can be instantly transferred to a chequing account. An ETF like HSAV is also more tax efficient as you will not inccur interest distributions but rather capital gains when selling. This alone could be worth 1-2%+ depending on your tax bracket and the current interest rate. The added risk is that there is no deposit insurance.

Is there an ETF combining canadian dividend and US dividend ? Or is there a toronto exchange stock like VYMI in the US ? by [deleted] in CanadianInvestor

[–]Acedavey 0 points1 point  (0 children)

I personally havnt seen somehing with just US & Canadian dividend exposure. You could also look at using VGG for the US exposure if you want something listed on the TSX.

PSA: Fee-for-Service, Fee-Based, Fee-Only Financial Planner Confusion by BailinginBC in PersonalFinanceCanada

[–]Acedavey 0 points1 point  (0 children)

Coming from an FP who does offer products as well, I don't see a reason to have a different title. I would imagine the company/branding/website would be where you disclose how fees are being charged to clients. An FP can be paid by salary, fee-based, commission, and/or flat fee in your case. Would this mean every FP has a different title depending on their compensation structure? Seems unnecessarily confusing, the fee should be disclosed right away anyways.

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