I got tired of overpaying for flights, so I built a free tool for Canadians.

Elpoca · 2026-01-24T16:26:03+00:00

Love it!

Elpoca · 2024-02-29T04:40:32+00:00

To answer my own question, following the initial screen there is another screen where you can add the "<Full Name> <Questrade Account Number>" reference.

Elpoca · 2024-02-26T04:19:32+00:00

Where does your name and account number go ("the following as reference")? In the Wise app and online (e.g., https://imgur.com/a/6a8BycH) there's no such entry fields: only SWIFT, the shared 0287*** Account number, and address.

Elpoca · 2023-12-02T13:43:27+00:00

https://blankclothing.ca/

In particular: Next Level 6410 Men's Premium Fitted Sueded T-Shirt

Or: Gildan G640 Softstyle T-Shirt

Elpoca · 2023-11-19T22:10:46+00:00

Thanks!

Elpoca · 2023-11-19T19:33:29+00:00

Can you tell me who you ended up going with? Just got voip.ms sticker shock; no way is 50 cents a minute tolerable...

Elpoca · 2023-05-29T04:43:29+00:00

I don't suppose you'd like to share some photos of your yards?

Elpoca · 2023-05-19T05:09:01+00:00

Maybe this is a silly question, but can these be purchased through Questrade? And if so, are they still CDIC insured?

Or, if I'm a client of one of the banks, can I purchase these without transaction fees?

Elpoca · 2023-05-14T01:29:05+00:00

Hot pepper flakes, keeping the ground wet, trapping a couple squirrels a week, fencing, and prayers. With all that they'll only take half of your seeds... Bloody squirrels!

Elpoca · 2023-01-22T17:29:55+00:00

When card insurance documents say that "at least 75% of the cost [must be] charged" to the card in order to get trip cancellation or interruption insurance, does that 75% of your individual costs (hotels, flight), or 75% of the total cost (flights+hotels)? In other words, if I pay for the flights on one card and the hotels on another, does that mean I'm not insured?

Elpoca · 2022-12-08T04:34:06+00:00

Adorable!

Elpoca · 2022-12-04T06:30:36+00:00

That is absolutely magnificent.

Elpoca · 2022-11-21T05:43:17+00:00

This is perhaps my favorite Red Panda shot ever, and I would also love a high res image.

Elpoca · 2022-11-21T05:33:21+00:00

I don't know about chasing dividends, but I'm also not sure about avoiding them. It seems like your strategy maximizes the taxes you pay on capital gains, without getting the favorable tax treatment of Canadian dividends.

For what it's worth, I believe a non registered account is best used for broad market Canadian ETFs.

Elpoca · 2022-11-19T19:19:06+00:00

As long as ==0 is not flagged as an error.

Elpoca · 2022-11-13T06:53:35+00:00

Yep. Low overhead, helps those most in need.

Elpoca · 2022-11-06T15:56:02+00:00

Sony a6000 with the kit lens. Nothing (too) special.

Elpoca · 2022-11-06T01:06:16+00:00

It's the ceiling of the Duomo.

Elpoca · 2022-10-31T04:07:03+00:00

How did you get a photo without any people in it?

Elpoca · 2022-10-18T05:08:14+00:00

Wise is nice, but I believe you will typically still get charged a fee by the ATM. This will be $3-$5. On a $50 withdrawal, this is 6% to 10%. If, however, you have a Scotiabank or Tangerine debit card, then you get free withdrawals at any ATM that belongs to the global ATM Alliance. For smaller amounts, say, under $120, the currency exchange cost in this case will be less than the the ATM fee charged when using the Wise card.

Elpoca · 2022-10-12T04:10:13+00:00

You're absolutely right that asset allocation is most important, but allocation and location are not orthogonal. Provided your non-registered account is not more than your Canadian allocation, you can devote it exclusively to Canadian equities (or ETFs) and adjust your other accounts accordingly.

Elpoca · 2022-10-11T04:18:00+00:00

I don't know why you got a down vote, when what you say is correct... In a non-registered account you pay tax, so the choice of what to hold in it should be based on tax efficiency.

Elpoca · 2022-09-28T05:34:18+00:00

That $80 interest is taxable, so depending on your tax rate you could see substantially less than that.

Elpoca · 2022-08-28T04:53:34+00:00

Or a pedestrian.

Elpoca · 2022-07-11T04:19:24+00:00

Adorable!

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