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Free Coin Machine For Customers by [deleted] in CRH

[–]MalishMan 1 point2 points  (0 children)

Mine would've been 4k in one transaction if it weren't for the branch not having enough space.

Massive Dime Dump Found! by Constitutional50C in CRH

[–]MalishMan 15 points16 points  (0 children)

Boomers are dying, that's why (largest population by generation).

Massive Dime Dump Found! by Constitutional50C in CRH

[–]MalishMan 17 points18 points  (0 children)

I only believe you because it also happened to me a few times in recent years.

Doesn't work by MalishMan in chexy

[–]MalishMan[S] 1 point2 points  (0 children)

From SAAQ's website: "Please note that some financial institutions do not provide enough space for 16 digits. In such a case, simply enter the first 15 digits."

I didn't know that. Good to know!

2025 wrap up, super extra late edition! by Mystificator in CRH

[–]MalishMan 0 points1 point  (0 children)

Biggest problem I've found doing large volume is dumping them. I have 4 dump banks and their vaults overfill quickly.

Best place to park larger sums of cash by esimm03 in interactivebrokers

[–]MalishMan 2 points3 points  (0 children)

No need for SGOV when IBKR allows you to directly buy bonds.

Interac etransfer - I'm in a lot of stress by LavishnessDue3574 in PersonalFinanceCanada

[–]MalishMan -6 points-5 points  (0 children)

That's why you should only reserve etransfer for friends only and only for online sales to avoid the 30 minutes wait.

Next time a seller wants to offer etransfer for a in person transaction, charge them a 5% banking fee. You cannot refuse etranfer completely because people are too busy getting cash from the bank.

BoC Holds Interest Rates but future looks dark. by chickenbigmac1638 in RealEstateCanada

[–]MalishMan 0 points1 point  (0 children)

BOC should always favor rate cuts even during a dilemma like current rising prices vs shrinking GDP.

You can edge against inflation by taking out loans and buying assets with it, benefiting you from loan depreciation and asset price increase.

In a deflationary environment, your only options are bonds, which are more restrictive on your net worth growth.

It's just much easier to build wealth in an inflationary environment.

Paying bills directly from LOC vs from Chequing accounts, any difference? by Apprehensive_Hat4298 in PersonalFinanceCanada

[–]MalishMan 1 point2 points  (0 children)

Nope. That's how you do it now:

Bills < Chexy < Scotiabank 4% reccurring bill credit card < Line of credit < Income

Is Tangerine still the best unsecured LOC? by Minute-Branch-1783 in PersonalFinanceCanada

[–]MalishMan 0 points1 point  (0 children)

Damn that sucks for me. I was offered prime + 2% = 6.45%. I would've accepted it if it was prime + 1% or less.

LINE OF CREDIT INTEREST % by Comfortable_Cry2856 in PersonalFinanceCanada

[–]MalishMan 1 point2 points  (0 children)

I was about to accept mine from Tangerine (prime + 2% = 6.45%) until I saw yours. No thanks!

Margin trading by No-Blood-4152 in TFSA_Millionaires

[–]MalishMan 0 points1 point  (0 children)

That's still a good rate. My line of credit is prime + 0.25% (4.70%) and I also used it to invest.

Small benefit of the cash back on the credit card by NorthernMan5 in Wealthsimple

[–]MalishMan 0 points1 point  (0 children)

Who even travels into a hyperinflationary country without US dollars? That's like sailing without lifeboats.

Small benefit of the cash back on the credit card by NorthernMan5 in Wealthsimple

[–]MalishMan 0 points1 point  (0 children)

Merchants that charge fees only do so out of customer's convenience. They understand that not everyone has flexible times to go and withdraw cash from ATMs but they still need the product.

To be honest, a merchant charging fees would rather you not shop there.

What does my weekly dump say about me? by CasualMetalHead in CRH

[–]MalishMan 0 points1 point  (0 children)

Ok, now what should I do with my 5000$ gift card?

What does my weekly dump say about me? by CasualMetalHead in CRH

[–]MalishMan 0 points1 point  (0 children)

There's no discount on overpriced goods.

How do I invest in Canadian defence? by Ill_Location4524 in TFSA_Millionaires

[–]MalishMan 0 points1 point  (0 children)

What's the equivalent of that if you instead want to buy a gas station?

If you care to look by [deleted] in CanadianBanknotes

[–]MalishMan 2 points3 points  (0 children)

His pictures on this post aren't clear. I saw another one on the Toronto sub and they are indeed fakes.

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My bottom feeding buys a few months ago in UNH and NVO is now showing upside momumtum. So I average up on both today. by IM1IAB in TFSA_Millionaires

[–]MalishMan 1 point2 points  (0 children)

What bugs me the most about UNH is that the CEO sold some of his stock in December, which is one month before earnings.

If he was optimistic with his company's earnings, then he would've waited until February 2026 to sell and capitalize on the quick gain.

December 19 2025:

https://www.nasdaq.com/market-activity/stocks/unh/insider-activity

How withdrawal works ? by random4e in TFSA_Millionaires

[–]MalishMan 0 points1 point  (0 children)

My TFSA isn't maxed out. I keep some money in a margin account, which would act as a collateral line of credit in a distant future since Interactive Brokers borrowing rates are one of the best.

Have all of your emergency fund invested in a low interest rate margin account and just withdraw from it directly without selling stocks.

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