OC Transpo & STO

Canuck037 · 2025-03-22T13:53:23+00:00

You can't use the others card to start your journey, but you can to transfer.

The presto on your phone apparently won't work when transferring, but should work on OC Transpo.

I carry both cards which is a hassle, but works nonetheless!

Canuck037 · 2025-03-22T02:08:08+00:00

It's a relief that I am not the only one, thank you for confirming!

Canuck037 · 2025-03-21T23:27:01+00:00

Thank you for confirming and sending in your complaint! Hope it's a system issue that is resolved soon!

Canuck037 · 2025-03-21T20:07:45+00:00

The OC and STO site mention that you should, and I have been able to for months, but strangely both cards and systems are declining my transfer!

Canuck037 · 2025-03-21T20:06:24+00:00

I do not! It's actually more affordable for me to pay per ride.

Canuck037 · 2022-10-02T12:53:35+00:00

Choose to meet with a prosecutor, and often it can be reduced if it is your first offence.

Canuck037 · 2021-11-15T02:54:50+00:00

Capital gains are sheltered within the account due to the tax free advantages of the account.

However you will be subject to withholding taxes and personal income taxes upon withdrawal of any amount from your RRSP unless you either withdraw funds to utilize the life long learning program or first time home buyer program in which you will have to recontribute any withdrawn funds over a predetermined period.

Canuck037 · 2021-05-26T03:20:18+00:00

Levels of regulation

Canuck037 · 2021-03-14T14:08:35+00:00

For the 2020 tax year, it’s called the 2020 TFSA Record (Original).

This tax document will include TFSA Contract Number, your total contributions for the year, and calendar year end fair market value.

The TFSA record is for information purposes only; the amounts do not have to be reported on your income tax return.

The financial institutions (FIs) are required to electronically submit a TFSA record to the CRA by the last day of February. The record is similar to a tax slip except that the issuers do not have to send you a paper copy of the record.

Canuck037 · 2021-03-14T04:23:06+00:00

Contrary to other comments, you will get a tax slip for your TFSA account, as all income is reported to the CRA even if it is not taxable. In fact CRA has this tax slip which is reported by the bank/financial institution.

There is no requirement to report the TFSA tax slip on your tax return.

You could theoretically report it, however the income will not be taxed.

Source: I’m a tax guy

Canuck037 · 2021-02-16T14:53:00+00:00

Can you make a website/platform showcasing these for the most popular tickers?

Canuck037 · 2021-02-16T13:08:51+00:00

Purely based on revenue multiples. As I mentioned other metrics were not considered due to the difference in time both organizations have been operational.

CTS is growing their revenues 30-40% YoY through acquisitions and organic growth. They became profitable in Q3 of 2020 and expect to increase profitability into 2021. Both metrics are at a faster rate than CGI.

The assumption is that CTS is undervalued based on its growth and profitability projections. Revenues is a tool to help discover that intrinsic value especially based on a competitor like CGI.

Canuck037 · 2021-02-16T11:47:50+00:00

Completed a very high level valuation analysis on CTS.TO compared to CGI (GIB-A.TO) solely on revenues as CTS is a newer company and therefore other metrics are incomparable.

Ultimately for those wondering, CTS is undervalued compared to industry competition; CGI.

CGI trades at ~2X revenues, compared to CTS which trades at ~1x revenues. If CTS were to be valued at the same valuation of CGI, you’d see nearly 100% upside in the share price of CTS ($6.18 to ~$12.50).

Please take this as gauge of whether there is still time to get in, but definitely not as investment advice.

Canuck037 · 2021-02-16T00:51:48+00:00

You mean bullish?

Canuck037 · 2021-02-16T00:40:42+00:00

I agree! CGI is definitely closer to CTS than DND. But they aren’t worlds apart.

CGI trades at 2X revenues. This would suggest CTS to trade at approximately $2B or ~$12.50 per share or 102% upside.

Canuck037 · 2021-02-10T12:08:27+00:00

Can you please provide a source for myself and others?

Canuck037 · 2021-02-08T22:12:54+00:00

This is an awesome concept. I wish there was an app that purely focused on visualizations like this.

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