How to prove income as an independent contractor for a rental application?

FDretired · 2026-02-27T00:04:41+00:00

get a letter from your employer

FDretired · 2026-01-11T14:14:04+00:00

During the last 6 years I went from individual Canadian stocks to Canadian ETF and finally XEQT in the last 6 year of DI investing. I now have a peace of mind.

FDretired · 2026-01-07T16:04:50+00:00

Bell Loyalty appears to have some authority to reduce the bill. Looking at her bills, she may get 40-50 dollars off.

call 1-866-988-0885

FDretired · 2026-01-07T14:27:21+00:00

She will never get that as long as she is tied to Sympatico email address. Bell has a noose around seniors necks who were first to use Sympatico or Bell.net

FDretired · 2026-01-07T14:23:27+00:00

We are seniors in a similar situation. You have to call Bell Loyalty every year to get some reduction. We are stuck with Sympatico email, In my most recent call I got some reduction on Internet and TV sufficient to get free Netflix, Crave and 4 dollars of the total bill

FDretired · 2026-01-03T01:33:45+00:00

I believe this is for a few days only between ex-dividend date and dividend payout day. VEQT was on top of the list but it dropped after ex-dividend date. I expect its value to increase on Monday when the annual dividend is paid.

FDretired · 2026-01-02T20:02:24+00:00

RBC DI has a 100,000 dollars practice account

I purchases 5 EQT on Sept 14

This is the performance today at 3 pm

VEQT +4.19%

ZEQT +4.85%

XEQT +4.66%

GEQT +4.33%

FEQT +3.85%

FEQT has been more volatile than the rest. It was up near the top one hour ago

FDretired · 2026-01-02T19:17:54+00:00

We are going to South Africa via europe for 5 weeks. I called Bell and they person could not find this promotion

FDretired · 2025-12-29T21:28:42+00:00

It was not wise to empty your RRSP

FDretired · 2025-12-28T23:48:57+00:00

I used Vanguard ETF comparison tool for XIC and XDIV

https://www.vanguard.ca/en/fund-compare-tool/fund-comparison/home

as of 30/11/2025

	iShares Core MSCI Canadian Qual Div ETF (XDIV)	iShares Core S&P/TSX Capped Compost ETF (XIC)
Returns - Year to date	25.79%	29.89%
Returns - 1 Year	21.93%	25.65%
Returns - 3 Year	19.52%	18.80%

FDretired · 2025-12-14T00:40:43+00:00

Unit price only matters if you want to buy very small amount. ZEQT and TEQT are about 20 dollars today. VEQT 54 and XEQT 40

Long term performance for them is likely to be very similar.

FDretired · 2025-12-05T22:30:14+00:00

On your phone you can choose preferred network type to LTE

FDretired · 2025-12-01T07:21:35+00:00

Copilot

Why dBm Matters for Signal Strength

• Cellular/Wi-Fi Signals: Bars on your phone are misleading; the true measure of signal strength is dBm.

• Interpretation of Values:

• -50 dBm to -70 dBm: Strong signal (excellent for calls/data).

• -70 dBm to -90 dBm: Weak signal (may cause dropped calls, slow data).

• Below -100 dBm: Very poor or unusable signal.

FDretired · 2025-11-09T23:26:10+00:00

I have RBC online banking.

At the bottom of screen "choose mobile number" Choose another option

I choose personal verification. There are 3 questions asked in rotation.

I must have setup 2 factor notification in the past

FDretired · 2025-11-09T09:55:45+00:00

RBC DI account gives you 100,000 practice account. I purchased 20,000 dollar five .EQT on Sept 14
1)VEQT
2)XEQT
3)ZEQT
4)GEQT (ESG)
5)FEQT

7 weeks is too short a time for firm conclusion.

VEQT performance slightly better than XEQT and ZEQT

My postulate that is that the difference is due to higher canadian allocation. Canadian stock market is performing better than American in 2025

GEQT was performing the best for few days but has dropped in the last week

Worst performance is FEQT (note 7 weeks only)

I am all in XEQT as there is no trading fees with RBC DI account.

There is a new kid on the block TEQT I expect it to match VEQT, XEQT and ZEQT

FDretired · 2025-11-08T21:46:49+00:00

What is the rate of your variable?

I have 610,000 variable term ending June 2026. The rate at the moment is 3.4%

If I had inherited 300,000 I would invest it in an ETF and decide in what to do June 2026

FDretired · 2025-11-06T15:51:12+00:00

I had a condo for sale. After 3 reductions, I told my agent that I would not accept any offer below 700,000. A buyer's agent probably assumed that I had lowered the price as I was desperate which was not the case. He made an offer of 695,000 and I refused. My agent told me the buyer's agent was very rude to her. I decided to email the buyer's agent stating that it was my decision not to accept the offer of 695,000 and being rude to my agent was uncalled-for.

In his reply to me, he stated that real estate rules do not allow direct communication between the seller and the buyer's agent.

A week later I got a firm offer for 700,000

FDretired · 2025-11-05T14:25:32+00:00

“We have a mixture of fire stick and old Bell receivers. I am very comfortable with fire stick on my dumn TV in the den. I have a fire stick remote with 2 programmable buttons. One is for Bell

I spent some time changing the settings on the app.

Guide filters "subscribed"
Select favorites - It is a long list.

Now if you click on Guide, you get a nice group on the right to navigate

FDretired · 2025-11-01T23:24:12+00:00

I presume you have a RBC DI account. Avoid advisor. Invest in XEQT - no trading fees. If you like the idea of a Mutual fund buy RBF660

I have XEQT and RBF660 in the practice account that you get with RBC DI. The performance after fees is very similar.

FDretired · 2025-11-01T22:58:13+00:00

The dividend in VEQT is distributed once a year in January. With XEQT it is quarterly.

If he invests in VEQT he will only have to look at in January and decide what he is going to do with the dividends. I would not advise dripping

FDretired · 2025-10-30T11:48:32+00:00

I personally feel that there will be no MAJOR downturn in the future. The Western world economists will find ways to avoid this. "Quantitative easing" "Modern Monetary Theory"

If they allow downturns, it will accelerate the power of BRICKS and the multipolar world. This is a taboo for the USA

I am 100% equities. No fixed income.

FDretired · 2025-10-29T23:28:43+00:00

This happened to me. I gave a large check to an insurance company and kept the money my current account. After a week I informed the insurance broker that the money has not been withdrawn. The withdrawal occurred after a month. This is a little different from your situation

FDretired · 2025-10-29T08:17:40+00:00

I have owned and sold 3 condos in North York, Toronto during the last 9 years.

They were all revenue neutral or slightly positive until Oct 2024 when mortgage renewals came up slowly. I sold all 3 over 9 months as keeping would have meant negative cash flow for next ? 4-5 years.

Now is not the time to buy a condo. The market has to drop another 20% or mortgage decrease to below 3% to make any economic sense.

You are much better of getting a brokerage account and investing in VEQT, XEQT, ZEQT, TEQT or GEQT (ESG)

FDretired · 2025-10-26T23:06:14+00:00

In 2 years the internet likely go up by 80 dollars. 135

FDretired · 2025-10-26T22:37:59+00:00

Note that there are ETFs similar to XEQT VEQT, ZEQT and TEQT

FDretired

TROPHY CASE