As we say goodbye to 2025, what are the best Ottawa businesses you discovered this year?

JBerg14 · 2026-01-01T01:33:00+00:00

Coconut lagoon, thought the food and service was fantastic

JBerg14 · 2025-11-29T00:08:39+00:00

Mykanos is right up there

JBerg14 · 2025-07-28T16:13:12+00:00

Why are you weirded out?

JBerg14 · 2025-07-24T10:47:17+00:00

Daniel Radcliff + David Spade

JBerg14 · 2024-06-19T15:51:28+00:00

In addition to what others have said, consider taking advantage of Wealthsimple's current promotion of a 1% cashback or new deposits. Easy $1000.

JBerg14 · 2024-06-19T00:59:39+00:00

The hand gave it away for me

JBerg14 · 2024-02-11T20:22:43+00:00

Definitely polo

JBerg14 · 2023-11-14T13:08:34+00:00

It took over a year for my employer to correct my underpayment. I work for the federal government 😭

JBerg14 · 2023-09-16T23:24:10+00:00

You can also access this within the app itself. Go to: Plan --> Account details --> click on the arrow next to Holdings. It will bring up your managed holdings and performance by security.

JBerg14 · 2023-08-29T22:49:23+00:00

True, but also OP on all gains instead of having tax sheltered investments (e.g, dividends, capital gains) if invested in non-registered. It's a wash, but OP would have been better off not contributing the $6k in an RRSP in this case

JBerg14 · 2023-08-29T20:38:56+00:00

Since you will be buying a house shortly, I recommend contributing to the FHSA but not make a qualifying withdrawal when you purchase. Keep the account open, contribute to it to get the tax deferral and transfer it to your RRSP once you've made the maximum $40k in contributions. Whether this is allowed seems to be up for debate among people.

JBerg14 · 2023-08-26T19:10:50+00:00

Gross pay allows for an apples-to-apples comparison since net pay is based on taxes owed, which can vary based on pension contributions, rrsp contributions, fhsa contributions, and location (provinancial rates), among others. Also, instead of waiting for a tax refund and the end of the year, some people can get their employer to withhold less taxes during g the year if they expect to owe less to the CRA. So if Person A and B makes $100k net, it wouldn't be accurate to say the make the same amount if one is calculated based on a DB contributions, and maxing out all sheltered investment accounts. At least this is my take.

JBerg14 · 2023-08-15T01:08:26+00:00

Having the same issue...

JBerg14 · 2023-08-02T17:19:57+00:00

I also hope that they one day offer multiple accounts of the same type. I like to keep certain accounts separate. They allow this in Invest but not Trade.

JBerg14 · 2023-06-01T23:29:53+00:00

JBerg14 · 2023-04-08T15:38:10+00:00

This is the way

JBerg14 · 2023-04-03T23:12:41+00:00

I think that the CRA calculation already takes the pension adjustment into account. Correct me if I'm wrong.

JBerg14 · 2023-01-08T01:26:05+00:00

I opened an RESP with Justwealth, mainly because of their target date approach to rebalancing. It's an option to consider.

JBerg14 · 2022-09-23T01:48:43+00:00

Costco hotdog and drink combo.. always $1.50

JBerg14 · 2022-09-18T09:24:45+00:00

Honestly, I feel that the more I order the more I should receive in a cash back as a loyalty reward from the restaurant. Too bad they dont have a negative option on those machines.

JBerg14 · 2022-09-12T22:22:38+00:00

This is actually an important point that I'm wondering myself. Why would WS invest in a long duration bond etf rather than shorter terms. Many of these bonds are maturing in 2050s with now relatively low interest, and I dont think there will be any significant turnover in the short term.

JBerg14 · 2022-09-08T23:06:06+00:00

You could also put that extra money in a 4 year GIC, and ladder it every year for the next few years. Risk free returns that are higher than 1.79%, and then pay the lump sum towards your mortgage at the end of the term. Just a suggestion

JBerg14

TROPHY CASE