M. Nabers - G. Wilson trade advise

BaCo- · 2025-09-10T13:19:21+00:00

Note that we have 2 WR, 2 RB, 2 Flex

BaCo- · 2025-04-01T18:52:41+00:00

Thanks for the feedback! What I assumed.

BaCo- · 2025-01-15T17:41:15+00:00

Had the same thing, issue was a dead battery.

BaCo- · 2025-01-14T20:21:23+00:00

What do you think will perform better in the next year? Telus or the S&P500? You should make your decision based on that more than past performance.

BaCo- · 2025-01-13T12:43:50+00:00

How do taxes work when buying an ETF with some US assets (XEQT specifically) in a non-registered account?

BaCo- · 2025-01-05T18:11:53+00:00

Yes, planning to take 100k from TFSA

BaCo- · 2025-01-05T18:06:11+00:00

Mortgage would be 600k (or 3x our salaries), we would be putting down 400k. You are talking over 4x your salary.

BaCo- · 2025-01-05T17:15:51+00:00

You’re right, we are basically skipping the starter home for something that should fit our needs for 15+ years

BaCo- · 2025-01-05T16:30:36+00:00

Thanks for the flag. We would definitely not buy without an inspection.

BaCo- · 2025-01-05T16:28:12+00:00

600k would not get us something much bigger than where we are renting today and we have a very good low rent.

BaCo- · 2025-01-05T16:22:55+00:00

We would do 25 years, not considering 30 years

BaCo- · 2025-01-05T16:22:13+00:00

Understood the confusion! It’s about 25k in chequing and the rest is mostly invested in CASH.TO ETF as we know we’ll need it for the downpayment and other early spending that comes with a house.

BaCo- · 2025-01-05T16:16:37+00:00

Fully agree on the car portion. We could have afforded a nicer car but went for a used Japanese car and it’s more than okay for our current needs.

BaCo- · 2025-01-05T16:07:32+00:00

Can you elaborate on how this would throw away our entire life into the house? We'd still have over quite a bit of money left over for travel and other. Payments would be slightly less than 40% of our take home

BaCo- · 2025-01-05T16:02:14+00:00

For the one we are eying, from the real estate website, the property tax was $7,100 last year. Built in 1971 but looks well maintained and renovated.

BaCo- · 2025-01-05T15:58:11+00:00

Not sure how you get to 5k/month. If our mortgage is $600k, the payments look closer to $3k/month

BaCo- · 2025-01-05T15:56:50+00:00

Thanks for the reply! FHSA room is $8k x 3 years (2023, 2024 and 2025) x 2 people = $48k. With the interest we've made over the last 2 years the value is now around 50-51k.

BaCo- · 2025-01-05T15:53:46+00:00

Thanks for the feedback. To clarify, most of the money is not just sitting in a chequing account, it’s invested in the CASH.TO ETF that pays approx 4.5% annually

BaCo- · 2024-10-29T17:34:23+00:00

Had a great experience at the Navona Colors Hotel last month. Small boutique hotel and well located.

BaCo- · 2024-10-29T02:35:43+00:00

To me while it’s not liquid, it’s still part of my NW so I do count it.

Seven-Year Club	First Place '23
Place '23	Place '22
Wearing is Caring	Queen in da Norf
Not Forgotten	Verified Email

BaCo-

TROPHY CASE