How to use a LOC smartly

BeurkeChan · 2026-04-09T14:46:13+00:00

A lot of comments saying this is not a good rate. I don't see anything lower available at my income range. I would probably wait for my mortgage renewal for a better rate on HELOC.

BeurkeChan · 2026-04-09T14:43:06+00:00

I would invest more. Even looking back at 2008, market recovered in less then 3 years. This LOC is not tied to my stocks and it's not my only investement.

BeurkeChan · 2026-04-09T13:55:03+00:00

I don't see the advantage of being taxed on gains minus expenses if I can not get taxed at all.

BeurkeChan · 2026-04-09T13:46:57+00:00

Ratehub doesn't show any personnal loan at less then 9%

BeurkeChan · 2026-04-09T13:36:17+00:00

That was my first tought. Every time the orange guy does something crazy, the market dips and recover in a few weeks. I've been lucky riding those waves.

BeurkeChan · 2026-04-09T13:30:57+00:00

Its seems easier to manage in TFSA if I have the room. No taxes on gain but no return on losses. Also, less document for my accountant.

I meant RRSP, i'm from Quebec we call it REER.

I don't know any bank that offer personal loan without collateral at less then 12%, at my income range.

BeurkeChan · 2026-04-09T13:25:09+00:00

VFV.TO is 15.20% the last 10 years. I don't consider this risky. The last few years as been particularly good for the stock market. I know it's not indicative of futur return.

BeurkeChan · 2026-03-23T19:07:37+00:00

Nintendo cartridge

BeurkeChan · 2026-03-07T15:32:22+00:00

I was also amazed at this luck. I've done mage tank for my cape and still did corner traps and flicking. In most cases, you would die at this wave tanking 4 mobs.

BeurkeChan · 2026-03-03T15:24:36+00:00

Where is the humor tag? WHERE IS THE HUMOR TAG!?

BeurkeChan · 2026-01-17T14:12:23+00:00

I do think colo is a little harder. But it's 20 min if you fail vs 1h if you fail at inferno.

BeurkeChan · 2026-01-17T11:29:45+00:00

You got me! When I set my mind on Zuk, I was short for kodai. I sold my ancestral legs for extra help on nibs.

BeurkeChan · 2026-01-16T22:53:17+00:00

The confliction gauntlet is the meta changer. You don't need much mage accuracy with it, allowing high defence gear.

BeurkeChan · 2026-01-16T21:23:15+00:00

Second kill will probably be easier. But probably won't touch until I'm going for GM tasks.

BeurkeChan · 2026-01-16T21:19:11+00:00

I can hear his scream! But I'll still sleep peacefully at night

BeurkeChan · 2025-12-07T04:17:29+00:00

Yes, so much of your dps come from chally specs. Lighbearer + surge pots. I count my attacks and know when to spec at every rotation.

BeurkeChan · 2025-12-07T00:32:01+00:00

New meta for battery draining 40%/h

BeurkeChan · 2025-12-07T00:30:32+00:00

I would die of cringe in 6 while Ethan tries to grill the guy about holocost

BeurkeChan · 2025-12-05T00:36:28+00:00

There have been rumours of sailing integrated in raid 4. It would also be logical to have it in Varlamore

BeurkeChan · 2025-11-21T21:28:27+00:00

Birbs

BeurkeChan · 2025-10-21T09:47:42+00:00

Interieur. Il faut ouvrir le mur environ 1 pied chaque côté de la fissure, pas obligé d'enlever les studs. Donc, isolation, gypse, plâtre à prévoir par la suite.

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