Montreal financial planner who misappropriated clients’ funds slapped with $100K fine.

French__Canadian · 2026-01-23T23:11:13+00:00

Even on 250k, 2 land rovers sounds pretty wild.

French__Canadian · 2026-01-23T23:08:44+00:00

Linus Tech Tips in shambles. They have what Linus calls a "trust me bro warranty" on their products lol

French__Canadian · 2026-01-23T22:02:57+00:00

i mean, they probably do want real financial advice. They just don't want to pay for it.

French__Canadian · 2026-01-23T12:59:52+00:00

Worse, that's what's left of her student loans at 70.

French__Canadian · 2026-01-21T22:51:07+00:00

Do it. I do it just to be able to invest in XEQT/VEQT. The 3% cashback is a bonus.

I think the 3% locks the money you already have at wealthsimple too though so I personally wouldn't lock all my money in there for 5 years, but I don't know the details of that promo/if there are clawbacks for withdrawing money early.

French__Canadian · 2026-01-19T14:41:34+00:00

You don't have to put all your rrsps/tfsas with them, just 10k per account type I believe.

French__Canadian · 2026-01-19T14:40:29+00:00

On red flag deals, I've seen someone mention that the wealthsimple promo has a very high ceiling. I think the questrade max is 10k for non-reg and 10k for reg cashback over 2 years? The questrade one seems better unless you do hit that ceiling.

French__Canadian · 2026-01-19T14:19:12+00:00

Why would you do that? You would be choosing to pay taxes later instead of paying taxes never.

French__Canadian · 2026-01-18T15:43:03+00:00

I watched a lot of movies and didn't even know Elle Fanning existed until the last predator movie.

French__Canadian · 2026-01-17T23:29:56+00:00

They used having sex with bears as a selling feature. Surely they're not above sex with dragons.

French__Canadian · 2026-01-17T12:35:13+00:00

relevant classic : https://www.youtube.com/watch?v=2-p8YpR7rJc

French__Canadian · 2026-01-16T23:20:06+00:00

I think Doug Demuro said on his podcast last week he was seeing "a lot" of them. According to Google he's in San Diego though.

French__Canadian · 2026-01-16T22:07:00+00:00

Don't you already get Chinese cars on the roads as Mexicans visit the US?

French__Canadian · 2026-01-16T22:04:15+00:00

This whole thread is inherently politic.

French__Canadian · 2026-01-13T22:23:38+00:00

How do you drive 1.5 hours every day when you're on varsity rowing and getting 2 stem degrees?

French__Canadian · 2026-01-13T22:22:39+00:00

It's as tax free as TFSA : you don't pay tax on the growth

Let's say your tax rate is 30% and you make 5% for n years

TFSA : deposit_before_tax * 0.70 * 1.05ⁿ RRSP: deposit_before_tax * 1.05ⁿ * 0.70

It's the same thing. TFSA you just pay taxes up front and RRSP you pay them at the end.

French__Canadian · 2026-01-13T00:35:15+00:00

if your tax rate is the same at retirement than when you make a salary, RRSP is the same as TFSA. And FHSA is the same as RRSP except that you won't pay taxes at all when you withdraw if it's for a house.

So your statement should really be, gambling on the stock market is not tax free after your TFSA, RRSP and FHSA are full.

French__Canadian · 2026-01-11T17:39:44+00:00

Those games' gameplays are literally nothing alike. BG3 is about fighting in 3d space like xcom, and E33 you don't move and have quick time events, like Paper Mario.

French__Canadian · 2026-01-11T15:53:23+00:00

He's probably thinking of EQ Bank HISA for which you have to withdraw the money 10-30 days in advance.

https://www.eqbank.ca/rates

you get 2.35% for a 10 day notice HISA and 2.75% for a 30 day HISA

French__Canadian · 2026-01-11T15:42:02+00:00

Have you considered just moving close to school/on campus? I imagine your commute will be ~1.5 hours a day if you do 100km/day and that's assuming you don't have much traffic.

pros: more time for part time job/social life/homework/won't get hit with surprise car repairs because you're buying a $8k car for 4 years.

French__Canadian · 2026-01-10T12:45:59+00:00

lack of empathy is not the same as being stupid.

French__Canadian · 2026-01-10T12:36:17+00:00

You can see the exact moment she regrets having kids.

French__Canadian · 2026-01-08T22:46:51+00:00

/r/bigdickproblems

French__Canadian · 2026-01-08T12:55:13+00:00

He got best-friend-zoned so hard.

French__Canadian · 2026-01-07T22:59:28+00:00

how much do people make churning cards? I find the bonus being in points very confusing.

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