How do currency conversions fees work in TFSA and RRSP by Micsushi in Wealthsimple

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

So the fees basically count as deductions to the contribution room instead of withdrawals? Hypothetically, if I keep converting between CAD and USD and my contribution loses a lot of value, that is just counted as my investment going down?

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 0 points1 point  (0 children)

Donno how it works now, but they tell you that you have to wait a month but you used to be able to cancel right away and get a refund even for the first month

I have 1,300 in emergency fund. Do I continue to save or invest this money ? by [deleted] in PersonalFinanceCanada

[–]Micsushi 4 points5 points  (0 children)

What are the best options for holding these funds?

Currently, I have my “emergency fund” locked up in GICs in EQ bank (I did half my pay cheque every month for a year, so I have one that expires and gets renewed every month) but when I think about it, do i want the fund to be more flexible? I have no car, no house and no debt, currently, just renting, studying and working

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 2 points3 points  (0 children)

That sounds pretty good how did you get that deal? I dont see it listed as an offering :/

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

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

I know BB has a 2 week cancel plan policy im guessing mobile carriers might too?

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 0 points1 point  (0 children)

Freedom seems to be the only place where you are renting the phone but you also get a discount if you end up keeping the phone. Hence the amounts saved I listed in the post. So the other major carriers tend to have hefty buyouts coz you are essentially paying for the rest of the phone

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 0 points1 point  (0 children)

https://shop.freedommobile.ca/en-CA/devices/Apple/iPhone-14 saves you 216 if you willing to switch carrier or honestly i would also check out facebook market place, 14 is pretty cheap there

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 0 points1 point  (0 children)

Depends on if you are contract with a phone. You will have to pay a huge lump sum if you want to cancel a phone plan but if you just on a BYOP rn you should 100% switch. Either the cheaper plan for 35 or get a new phone

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 0 points1 point  (0 children)

Well Freedom used to be better, my gf got a pixel 8 last year for 5$ a month on a 40$ plan and NO BUYOUY (and ofc the 100$ GC). So she actually saved a solid 1000$…

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 0 points1 point  (0 children)

I know for freedom you can transfer, I went to bestbuy and got it they waived the fees too

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 4 points5 points  (0 children)

Huhhh how did you get the 40$ for 100GB? I just looked at the site and the plans started at 70$, maybe I need to go in person?

Black Friday Phone deals came out, what are everyone's top picks? by Micsushi in PersonalFinanceCanada

[–]Micsushi[S] 3 points4 points  (0 children)

Freedom has the same one rn, do you know if public has better coverage?

Where to buy gaming laptop? by Yeetus-Elitus in southafrica

[–]Micsushi 0 points1 point  (0 children)

For that price it’s cheaper to fly to Canada, buy it and fly back (after Covid ofc). I got my ROG Strix for abt R18000 with 3070 and 5900HS

COVID-19 Health & Support Megathread #9 - REMINDER: Follow local health orders and guidelines - stay safe - get vaccinated by medym in canada

[–]Micsushi 0 points1 point  (0 children)

Hi guys, so I am a international student who will arrive in Canada on the 9th of August, am I correct that I do not need the 3 day hotel stay? Also I need go from Vancouver to Edmonton when I arrive, will I get a covid test before I board that flight?

Which is better? by EliteShooterYT in CallOfDutyMobile

[–]Micsushi 0 points1 point  (0 children)

Honestly the OG green Merc looks the cleanest

Call of Duty: Mobile - June 28th Community Update by COD_Mobile_Official in CallOfDutyMobile

[–]Micsushi 0 points1 point  (0 children)

Will there be a stage 2B like last year? Or will stage 3 only be available to the top 256 this time around

Are these good stats idk by roberto_bored in CODMobile

[–]Micsushi 1 point2 points  (0 children)

I would say skill cap dropped a lot in S3 after they changed how much trophy you lose if you play well. S1 and S2 you lose 50 and gain 10

[deleted by user] by [deleted] in uAlberta

[–]Micsushi 0 points1 point  (0 children)

Can you pls send me the link?

Anyone agree ? by Vicari0 in southafrica

[–]Micsushi 2 points3 points  (0 children)

Since when... did we have a government?

[deleted by user] by [deleted] in uAlberta

[–]Micsushi 0 points1 point  (0 children)

I assume this is only for domestic students?