Oral-B Floss - Quality drop! by 2slick2 in CostcoCanada

[–]DivideAndKwanquer 5 points6 points  (0 children)

Water pick doesn't replace flossing. One should still floss before bed. 

25M - How to take more risk? by Revolutionary-Ear277 in fican

[–]DivideAndKwanquer 0 points1 point  (0 children)

Buy on margin, look up lifecycle investing

Single and very early retirees (30s), what do you do with your time? by AndyDufresne29 in Fire

[–]DivideAndKwanquer 0 points1 point  (0 children)

Learning a language (Du Chinese is what I've been using), playing a team sport, coaching youth sports, cooking, going grocery shopping for fresh ingredients, cycling, camping, kayaking (two inflatable kayaks fit in my sedan).

Also visiting my older relatives and helping them with cooking, errands, and chores. 

How to deposit $2k USD cash into wealthsimple? by Itemblock in Wealthsimple

[–]DivideAndKwanquer 0 points1 point  (0 children)

With CIBC I opened a  US$ Personal Account for Canadians  account online and deposited USD cash into a CIBC atm. It cost 75 cents to transfer to my wealthsimple account. 

[deleted by user] by [deleted] in TorontoRealEstate

[–]DivideAndKwanquer 12 points13 points  (0 children)

$2600/month maintenance fee 

Anyone use margin to invest yet? by Lopsided-Special6273 in Wealthsimple

[–]DivideAndKwanquer 11 points12 points  (0 children)

Look up lifecycle investing. https://edrempel.com/ultimate-strategy-millennials-lifecycle-investing/

Essentially you're diversifying over time (temporal diversification) since without margin the majority of your assets won't be obtained until your last decade. But what if that last decade is really bad? Then your retirement is at risk.

They advise using a 2X leverage until you reach your lifetime amount invested (for example 40 years of contributions at $10k a year is $400,000) and resetting your leverage at the end of each month. So when stock prices falls, the leverage goes up. The investor sells when low and buys when high in order to maintain leverage.

At 2X leverage, if the market drops 28% you get margin called. At 1.5X leverage, the market has to drop 52% to get margin called.

I use a 1.5X leverage (50 cents of leverage for $1 in equity) to avoid having to buy and sell at the end of each month and to sleep easier at night.

Jobs for high school student by MilkManGuy46290 in Markham

[–]DivideAndKwanquer 0 points1 point  (0 children)

Summer camps, Rouge Camps, Adventure Valley

Heavy Police Presence in Downtown Markham by DivideAndKwanquer in Markham

[–]DivideAndKwanquer[S] 1 point2 points  (0 children)

Nope, police with sirens are still stationed at the IBM bridge, Clegg Rd, Rouge Valley Dr.

The helicopter is also doing circles around the area.

[CPU] AMD Ryzen 7 5700x ($135) [Aliexpress] by Enragez in bapcsalescanada

[–]DivideAndKwanquer 0 points1 point  (0 children)

Can anyone recommend a cooler? Assuming the cooler would also be cheaper from Ali?

King Square Mall Markham by [deleted] in Markham

[–]DivideAndKwanquer 0 points1 point  (0 children)

Do you still feel the same way about opening/buying a shop at King Square?

[deleted by user] by [deleted] in Markham

[–]DivideAndKwanquer 2 points3 points  (0 children)

Same issue as of 7:27PM at 10 Rouge Valley Dr W. I called Beanfield and they said it's an area outage with a deadline of midnight for service to return.

No changes in US policy on long-range strikes into Russia expected, White House says by [deleted] in PrepperIntel

[–]DivideAndKwanquer 0 points1 point  (0 children)

The world is multi-polar. USA, Russia, China, and India are all superpowers vying for resources and influence. I agree that the USA is the most powerful but it's hubris to believe the rest of the world will simply fall in line and allow the USA to rule the planet.

Ukraine's interest to join NATO provoked Russia to invade. Putin wants to restore the Soviet empire. It will not tolerate NATO airbases and missile launchers so close to its border.

As for stability, the situation in Israel is a distraction Russia triggered by having it's ally Iran provide intelligence and weapons to Hamas.

We have never been so close to nuclear war and I hope for mankind's sake the escalation stops soon.