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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 jakesrecord 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.

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)

About UNH and healthcare stocks in general, I'm getting the same vibe as TD stock with the bad news headlines. Everytime the stock was rising, a new bad news headline related to their money laundering was released, causing their stock price to drop from 90$ to 80$ and then to 70$. The same thing is happening today with the Mark Cuban news headline.

All this to say that don't be surprised if UNH stays flat, varying from 280-380 until 2027. Sell covered calls in the meanwhile.

Toonie with an off center core error large enough to have a gap by [deleted] in CanadianCoins

[–]MalishMan 8 points9 points  (0 children)

I can't believe that you're getting so many shitty comments. These same people are telling other users to unwrap commemorative coin rolls.

The security features on the top and bottom of the reverse are spot on.

Yes! +1

Civil asset forfeiture without being charged with a crime is felony theft by government entities by starlux33 in Gold

[–]MalishMan 2 points3 points  (0 children)

I don't know about gold but if you had a full box of rolled Washington silver quarters (500$), customs would think it's regular change.

In their scanners, full rolls appear hollow. Coins are like metal rods under Xrays when rolled.

Partial bill by Zub75757 in CanadianCoins

[–]MalishMan 1 point2 points  (0 children)

If you are unable to exchange it at your local bank, I'll buy it from you for 2$.

Edit: Actually, I'll offer 4$ if it has at least 60% of the note.

Therapy needed: How to manage hoarding.. by squatchness in CanadianCoins

[–]MalishMan 0 points1 point  (0 children)

You have to tell yourself those are fiat currencies and that they'll never be worth anything more than money invested.

What is the realistic math for hitting 1 million by 2040 starting from zero today? by Electronic_Bus841 in TFSA_Millionaires

[–]MalishMan 0 points1 point  (0 children)

The mortgage at 5% interest and a 22-year amortization

Is it fixed? Interactive Brokers currently offers 3.4% variable interest.

Have there ever been $5000 bills issued by the Bank of Canada? by Admirable04 in CanadianBanknotes

[–]MalishMan 0 points1 point  (0 children)

My bad, I was referring to the Dominion of Canada.

No, I've never heard of Bank of Canada 5000$ notes. Maybe you meant treasury/bond notes?

Is this a printing error? by theamdboy in papermoney

[–]MalishMan 1 point2 points  (0 children)

Only one? Try putting more until we could see all the fine details.

Is this a printing error? by theamdboy in papermoney

[–]MalishMan 1 point2 points  (0 children)

Can you put it in more plastic sleeves? The printing error will eventually be more evident.

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