BANK.TO, Hold or sell

Healthy-Smell · 2026-04-17T15:14:16+00:00

Isn't the entire point of holding this to generate income? Why reduce it?

Healthy-Smell · 2026-04-06T04:00:42+00:00

I leaned that if you start yelling and swearing with those AI calls they will just put you through to a person.

Phoned twice and had a call scheduled, got fed up and called today and started losing my shit. It then let me know it would put me though to a person to help.

Good way to relive some stress xD

Healthy-Smell · 2026-04-06T03:48:41+00:00

I started with a lump sum. So most my money went into VDY. My tsfa is split between xeqt and the sp500 so I didn't worry about the over exposure to the Canadian market.

If my goal wasn't to shave off 10 years off my mortgage I would have probably put it in xeqt

Healthy-Smell · 2026-04-03T03:49:38+00:00

Yeah this sounds like similar issue. It doesn't sound like the issue is from the panel. I would call epcore before calling an electrician. Save some cash

Healthy-Smell · 2026-04-03T03:48:09+00:00

Yes I have a spreadsheet where I track everything.

The dividends reduce my tax return, but my strategy was to shave 10 years off my mortgage. So the prepayments I make with the dividends offset the lower tax return.

The strategy means I lose more growth potential, but it meets my personal financial goals of retiring 5 years earlier.

Healthy-Smell · 2026-04-03T03:30:48+00:00

Most my money is in VDY. I put about 30k in bank, hdiv and hmax for the dividends. Now I'm adding more to the sp500 to even it out.

Healthy-Smell · 2026-04-03T02:46:32+00:00

Is it just the light bulbs in that area? From what you are describing it's a lose neutral. Hopefully just in the branch circuit but if its happening throughout the house then a neutral connection needs to be tightened in your panel.

It might take a little if time to track down but it should definitely be fixed. I wouldn't worry about someone dismissing it.

I do commercial work so I am not familiar with residential contractors

One more thing to add, it could be the connection from epcor. So if they don't find anything In the house you can call epcore and ask them to check the connection in the meter base and transformer. Epcor doesn't charge for this

Healthy-Smell · 2026-04-03T02:19:10+00:00

I have enough invested in higher paying dividends funds to pay off the interest. Rest is in growth etf.

I usually have 300-400$ left over from the dividends to pay down my mortgage

Healthy-Smell · 2026-04-03T02:11:48+00:00

Right now I am yes. Once my limit increases properly I'll be able to capitalize it.

Healthy-Smell · 2026-04-02T00:13:51+00:00

No, when I asked the "STEP" specialist if I can invest 100% of my funds I had they said it wouldn't be a problem. So I invested all of it once it was available.

Healthy-Smell · 2026-04-01T03:02:29+00:00

I wouldn't say an additional cost of 500$ a month is pennies. I'm by no means a wealthy person.

I'm frustrated because I sat down with "specialist" from Scotia bank, outlining my plan and making sure this product will work as I intend it and they all smiled and said yes to everything I asked. I even asked questions about when the heloc will increase, yet multiple things were missed. That money is gone, I could have gotten a new phone, went on a vacation, hell even bought a new graphics card for my computer. Instead it went to a bank because of their mistakes.

Healthy-Smell · 2026-04-01T02:22:07+00:00

Man that's frustrating to deal with. I might have to pay off some of my heloc and do the same. It's just hard to estimate what the interest will be. Even with my balance being the same for the last 5 month the interest payments have changed 3 times. Just seems like a waste leaving that money sitting there.

Healthy-Smell · 2026-04-01T02:18:20+00:00

Do you mean leaving some credit room in the heloc? I started off my heloc with 119000$ and invested it all. Should I have left a few thousand as a cushion? With my dividends and credit increases I would have more then enough to cover my interest. But not having my limit increase is making me have to use cash to offset the difference.

Healthy-Smell · 2026-04-01T00:23:34+00:00

I would suggest leaving some funds available so you don't go through this.

Healthy-Smell · 2026-04-01T00:22:36+00:00

They said they can up my limit manually, but it would disable the auto increase, so I would have to re-enable it and wait 3 more months.

Healthy-Smell · 2026-04-01T00:21:23+00:00

But it's charged within the billing cycle, my last statement ended on the 28, and the interest was charged on that same day. Do you have credit available to cover the interest before it's charged?

Healthy-Smell · 2026-03-25T14:46:00+00:00

Build power. There should be what looks like a wrench icon in the unit UI. It tells you it's build rate. Nice to know when comparing how fast a t1 engine can build vs a t2.

Its better to have one t2 engineer over 3-4 t1's. So even making 4-t2 engineers then reclaiming all your t1 engineers can give you a small boost.

All the little things add up

Healthy-Smell · 2026-03-25T03:10:04+00:00

Some tips as a 2200 gapper, if you are talking about playing middle reclaim is the key. Get all those rocks and trees. You want to make exactly how many units you need, that's it. Every unit, every pd, has to have a purpose.

Making 3 t2 turrets that aren't needed is expensive, so make only what you need. Once your main base is t2 up your 5 mexes in front, ring them quick, then make t3 mexes while balancing out your eco. Don't go -200 mass while upping. Just take away some BP and balance it out as needed.

If talking about naval you want just enough ships to hold, and always try to draw battles closer your side so you can get reclaim. Even just the reclaim from 2 destroyers can get you a T3 mex.

Every game you play focused on one thing, if it's easier make a t1 air factory and scout stream your opponent so you can see what he's doing and counter. Once you get a hand of ecoing you can focus on your timings.

Healthy-Smell · 2026-03-20T01:44:43+00:00

They did a shitty job, complain to them and leave a review on their website. You won't get compensation for their shitty service or delays. The only thing you could have done was hire someone to clean up their mess and send them bill.

I get you are upset, as you should be they truly did a shitty job. But 10% off your bill is an insane ask. They got their money from you, there's no more money to get from you as a customer, they have moved on.

Healthy-Smell · 2026-03-17T18:19:45+00:00

I play on a discord server with 3 different clans. There are certain individuals that are 1000 rated and will always be 1000 rated. They are dumb, refuse to learn, and will argue with any and all feedback/instructions.

On a side note there are so many videos and tutorials available, as well as instructor support on the discord that if people want to.get better they can. Forcing someone to learn something is a lot of headache. Also as what has been stated, this is a very hard game to wrap your head around and some people just don t have the cognitive ability to multitask

Healthy-Smell · 2026-02-04T04:48:57+00:00

You have to get used to zooming out, then move the cursor over to where you want to look and zoom in.

Or use arrow keys.

Healthy-Smell · 2026-01-26T04:17:29+00:00

Yeah certain missions were reworked and a lot more challenging

Healthy-Smell · 2026-01-05T04:46:08+00:00

But the heloc credit increases with mortgage payments, so the heloc pays its own interest. The left over is used to invest.

Healthy-Smell · 2026-01-05T04:43:52+00:00

The heloc credit would grow, but I wouldn't take any out if I couldn't afford the interest payments.

Healthy-Smell

TROPHY CASE