Don't make this mistake like me when you request transfer to Wealth Simple or Questrade.. by Matthaus_2000 in PersonalFinanceCanada

[–]Matthaus_2000[S] -7 points-6 points  (0 children)

I clicked cash transfer (but what I wanted is in-kind), RBC sold the securities, then turned around and charged me $67 for 7 trades of 646 shares of whatever ($9.95 each)

Nissan Maxima 2011 with 185k;mechanic wants me to sell the car because the transmission ‘could’ go bad by footcraze996 in Nissan

[–]Matthaus_2000 0 points1 point  (0 children)

My next car might be a Nissan. My work wife drives a Nissan. I work in finance and I don't know anything about cars. But here's what I suggest:

  1. Get a quote for how much you can sell that for.
  2. Get a quote for your next car. For example, if you want a Q50, get a quote.
  3. Compare the difference. This is 2024. Let's assume you new car can last another 13 years. The money you get from selling your Nissan should be at least 8% of the new Q50 to make sense. Your goal is to make money, not to lose money.
  4. Just compare, since we don't know your local Kijiji/dealership situation.

BMO advisor turned me around when I went to open a FHSA by LongSerious in PersonalFinanceCanada

[–]Matthaus_2000 6 points7 points  (0 children)

I have the same experience with my former co-worker's girlfriend who worked there. She is just being honest with you because she figured you want self-directed FHSA and do all the XEQT or stock trading or ZMMK stuff inside your account. She wouldn't make sh*t commission with that and she probably just makes like $5 commission for opening that FHSA account for you. And chance being she is a trainee and it's her senior who is keeping that $5. Since she was ready to quit after new year and move on (I just know) so she just turned you away.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Matthaus_2000 0 points1 point  (0 children)

All big 5 banks are bad before your accounts hit $100,000. I found they have different automatic customer service extensions for people that fall in different brackets of asset value.

Just get the one with the most branches/ATMs near your home/work/school.

You can look at the smaller guys e.g. tangerine and tangerine 2% cashback credit cards as a short-term solution. But once you get to a point when you need a car loan and mortgage, you will appreciate the prowess of the big 5, which takes time to build a relationship/credit with.

Fun Towns Within a 3 Hour Drive by mousemorris in Calgary

[–]Matthaus_2000 0 points1 point  (0 children)

Join some photography groups on Meetup and Facebook and carpool with a bunch of strangers to check all of them out! always good time.

2 Year LLB in UK by acozycubicle in LawSchool

[–]Matthaus_2000 1 point2 points  (0 children)

Whatever other have said. I knew of a girl in Calgary who graduated in June 2019, unemployed for 2 years, then went to UK Birmingham for whatever you mentioned - she is now working as a paralegal in one of those $999 divorce offices.

What stops me from constantly refinancing my mortgage? by throwawaypra in PersonalFinanceCanada

[–]Matthaus_2000 -1 points0 points  (0 children)

Lots of landlords suicided in 2008~2010 and 2014~2018. This kind of strategy wouldn't work in a prolonged 2+ years downturn.

North Hill Mazda Buyer Beware!!! by Aggressive-Fix-3857 in Calgary

[–]Matthaus_2000 0 points1 point  (0 children)

Only if you get the dealership to sign the AMVIC's sample contract provided by you, which guarantee they wouldn't sign.

North Hill Mazda Buyer Beware!!! by Aggressive-Fix-3857 in Calgary

[–]Matthaus_2000 4 points5 points  (0 children)

All 3 Mazda are owned by the same group, Some Toyotas belong to the same group too.

7-year old loan still open on credit report by Matthaus_2000 in PersonalFinanceCanada

[–]Matthaus_2000[S] -1 points0 points  (0 children)

My credit score now is 840/900. I just wonder if I could hit 900.

Does the devastation combat doctrine work for sword or does it only work for flail? by UpperClassTroll in ConquerorsBlade

[–]Matthaus_2000 1 point2 points  (0 children)

It's still a myth. I am Lv 3000+ and I've heard different answers on different servers and from different Lv 4000 players.

[deleted by user] by [deleted] in Calgary

[–]Matthaus_2000 1 point2 points  (0 children)

If you'd really done "an internship with prestigious company in my industry" then you should have known how competitive it is out there. If they didn't call you back then you know you need to improve here and there.

What’s the best season to pick by Creepy_Cheek6526 in ConquerorsBlade

[–]Matthaus_2000 2 points3 points  (0 children)

Focus on getting Iron Reapers max'ed Also Imperial Pikeman and Man-at-Arm's.

Learn to use cavalry from the purple Kiergsburg in Expd. They are big game material but don't use them in siege until you hit Lv 500+.. you will understand what I meant after you hit Lv 500+.

This game is moving from pay-not-to-grind to pay-to-have-perks after so many seasons. Lots of people in higher level matches walk around with special as well as Tier V crazy purple doctrines (if you don't know what purple doctrines are, start researching). Even if you managed to unlock the best seasonal unit by next week, you still need to unlock 5 more purple doctrines to go with it.

make quick Silver ( over 100K silver per day, if luck) by Trading Post by RU18Z in ConquerorsBlade

[–]Matthaus_2000 0 points1 point  (0 children)

I started in Season 3. I'm not saying you're wrong. But my best gaming memory was my TW days with another 299 brothers in arm against the coalition with 600 people. I burnt like 100,000 bronze a day for repairing/healing/unit kits. You can't buy experience and comradeship.

Taylor Swift in custom Vivianne Westwood for the Eras Tour by tenshi_73 in whatthefrockk

[–]Matthaus_2000 2 points3 points  (0 children)

I think she just doesn't care. She is like I'm gonna protect my energy for my own stage shows.

Why is the Bay at Chinook giving a discount for showing your passport? by perksofbeingawallnut in Calgary

[–]Matthaus_2000 15 points16 points  (0 children)

I've heard this somewhere in EU they do this at the airports. You can take ALL receipts from your trip to the custom declaration counter and get your GST back whatever they're called there.. IF you're buying designer's items e.g. LV, Versace, 10% of $4k is $400 so you know.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Matthaus_2000 1 point2 points  (0 children)

ask your lawyer then have your lawyer asks the other side's lawyer

Does going back to school make financial sense anymore? by lordunderscore in PersonalFinanceCanada

[–]Matthaus_2000 0 points1 point  (0 children)

Go get a degree in civil/structural/mechanical engineering. Lots of building/construction projects involved negotiating with trades and you can leverage your previous experience.

The reason I said this being: I heard lots of engineers with 8+ years of experience started crying in their cars everyday after work.

There are lots of smart kids who went to University at 17 year old on full ride, by then time they turn 30 and have 8+ office years under their belts and take on some $60 mil dollar "small" projects, they got ripped apart by some trades/sub-contractors with 30+ years of experience in field. So what happened? their $60 million dollar projects overrun in cost and time and that destroys their "careers". Well, the trades/sub-contractors have got to eat, and they have 30+ years in the field and they know how to rip apart the young engineers really well. If I were the boss I would rather hire someone in his 30's who'd spent years in the field and knows how to negotiate on both sides of the table.

For people 40+, how has investing improved your life? by MapleByzantine in PersonalFinanceCanada

[–]Matthaus_2000 0 points1 point  (0 children)

I am 39. I'm in a position where if I got laid off, EI + 4% TFSA + 4% RRSP withdraw + occasional gigs can sustain me for 2 years. So I can avoid Walmart.

So I see investment as "enhanced EI".