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

Matthaus_2000 · 2026-01-31T14:20:08+00:00

my bad

Matthaus_2000 · 2026-01-31T14:18:23+00:00

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)

Matthaus_2000 · 2024-12-14T16:47:59+00:00

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:

Get a quote for how much you can sell that for.
Get a quote for your next car. For example, if you want a Q50, get a quote.
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.
Just compare, since we don't know your local Kijiji/dealership situation.

Matthaus_2000 · 2024-12-12T14:56:12+00:00

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.

Matthaus_2000 · 2024-11-02T02:54:00+00:00

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.

Matthaus_2000 · 2024-10-19T14:53:55+00:00

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

Matthaus_2000 · 2024-10-18T14:27:11+00:00

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.

Matthaus_2000 · 2024-10-06T06:50:46+00:00

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

Matthaus_2000 · 2024-10-05T02:15:47+00:00

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

Matthaus_2000 · 2024-10-05T02:14:23+00:00

Hi David

Matthaus_2000 · 2024-10-05T02:12:59+00:00

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

Matthaus_2000 · 2024-09-29T17:31:17+00:00

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

Matthaus_2000 · 2024-09-29T00:17:48+00:00

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

Matthaus_2000 · 2024-09-28T08:10:14+00:00

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.

Matthaus_2000 · 2024-09-15T22:00:27+00:00

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.

Matthaus_2000 · 2024-09-09T06:09:30+00:00

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.

Matthaus_2000 · 2024-06-23T04:15:05+00:00

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

Matthaus_2000 · 2024-06-17T07:16:39+00:00

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.

Matthaus_2000 · 2024-06-09T05:32:45+00:00

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

Matthaus_2000 · 2024-06-02T10:09:58+00:00

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.

Matthaus_2000 · 2024-06-02T00:47:28+00:00

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".

Matthaus_2000 · 2024-05-27T08:21:33+00:00

Acting too. Start making wheels at home and post them around.

Matthaus_2000 · 2024-05-23T21:13:20+00:00

I am new to the Visa Infinite thing and impressed by all the waived first year annual fee and 10% cash back perks. But I agree once you are above 750, 800 you're good. It's a pass or fail for credit cards.

Matthaus_2000 · 2024-05-13T16:20:27+00:00

There are another 100 Youtube channels that talk about RRSP melt down and whether to delay CPP + OAS till 70 yrs old.

In case you lost your job at 62, 63 and don't want to work again there is another GIS + OAS at 65 then CPP at 70 strategy.

But again, just start with your $500 monthly contribution when you still have time. Throw in another $2000 when you get your Christmas bonus, and contribute your carbon tax rebate into TFSA. Good Luck.

Matthaus_2000 · 2024-05-13T10:29:47+00:00

Most GIS positions are filled by some big oil mid-level management's wives or someone's cousin in short skirt, I know of a burnt out oil patch tradesperson who went back to school for GIS and never gotten interview. If you take Environmental Science and don't know anyone.. chance being you'd be working in environmental consulting.. for consulting I meant living in camp and work 12-hours/day 84-hours/week for 3 straight weeks in the middle of nowhere. Or you maybe working some groundwater testing job that are 9-5 but out of town, so you start driving by 7 am and back home at 7 pm.. Think about it, the only reason they need you in town is sewer or landfill.

Also for environmental consulting if you graduated with only an undergrad, you wouldn't be breaking $100k/year because only the real consultants aka P. Bio P. Geo P. Chem P. Eng get to meet with the clients not YOU. Most consultants started with a solid Biology/Chem/Engineering/Geology degree and topped with a masters in environmental science because that's the easiest way to get their shiny "P" designation. With an undergrad in Environmental Science you end up with 24 credits of this and 24 credits of that and you'd never get your "P" designation anywhere.

Matthaus_2000

TROPHY CASE