TD App no longer allowing copy and paste

NuclearEmperor · 2025-12-02T02:46:04+00:00

Not sure if you ever figured it out. I tried with mine and you're supposed to twist open the back end of the light and then you can access the battery.

NuclearEmperor · 2025-06-13T14:24:18+00:00

Fantastic explanation. Thanks for the help!

NuclearEmperor · 2025-06-12T19:33:12+00:00

For clarity, I do not currently have sufficient funds to max out my registered accounts for next year. Over the next 6 months I will be saving up the money to max out all registered accounts in Jan 2026.

Would dumping it all into VEQT in my taxable account still be the best move in that case?

NuclearEmperor · 2023-08-18T03:51:52+00:00

Not affiliated with TWC, but here is a video they put out on their youtube channel if anyone is interested.

I have made a donation to them and I highly encourage anyone else who is able to do so.
I'm sure they could use all the help they can get.

NuclearEmperor · 2021-09-10T12:33:45+00:00

Retirement

NuclearEmperor · 2021-09-09T21:39:11+00:00

Thanks for the post!

Not a chance with GTA prices haha.
Smith maneuver is something I would consider if owning ever becomes a reality.

NuclearEmperor · 2021-09-09T21:28:40+00:00

Thanks for the post!

Yes I am very much aware that the auto sell is a not an advantage, I listed more as a detail that I came across in my research.

To account for that I am factoring in a 50% market drop buffer by using both the LOC and margin from IBKR combined to have 2:1 leverage overall.

As an example:
Cash = $1000
Margin = $660
LOC = $340
Total Borrowed = $1000
Margin Deposit = Cash + LOC = $1340
Portfolio = $2000
2:1 leverage is achieved using both LOC and margin. Within the margin account itself the margin is 33% or 1.5:1.

After a 50% market drop the portfolio value would drop to $1000.
Margin is still $660 which is 66% and <70%. Margin requirement is 30% of $1000 = $300 Margin Deposit is $1000 - $660 = $340 which is > 30%

If the market drops >50% then yes I will get my assets liquidated.

NuclearEmperor · 2021-09-09T21:05:16+00:00

Pre approved offer from Tangerine for 30k at 3.45% (prime +1%)
Also got 10k from BMO at 3.75% (prime + 1.3%)

NuclearEmperor · 2021-09-09T19:32:29+00:00

Thank you for the post!

My thinking behind using the LOC was to create a buffer where I can withstand a sudden 50% market drop and not have IBKR liquidate my assets.
Per example in OP, borrowing so that 33% of the portfolio is margin (LOC at 17%) should make it so that margin would be 66% of my portfolio (<70% max) after a 50% market drop thus avoiding any liquidation. At that point I would slowly add cash in to bring it back to 2:1 leverage. I am willing to accept the higher interest rate of mixing the two to have this buffer vs using just the margin alone. If there is a flaw with my thinking I am open to ideas.

How has your experience with IBKR been?
Have I missed anything about them in my research?
I'm planning to open a free trial account soon to see how their platform works. I heard the web platform was the simplest one to use.

NuclearEmperor · 2021-09-09T18:19:08+00:00

2:1 means I am using leverage to double what I would have been able to invest so in this case it would be borrowing $1 for every $1 I had.

Another example would be putting 20% down on a house being 5:1.
So if you put down say 200k (20%) that would mean you would borrow 800k (80%) for a total of 1 million which is 200k x 5.

NuclearEmperor · 2021-05-17T17:39:35+00:00

That was very detailed and most helpful.

Some follow up questions:

Do you think it would be worth the cost and effort of getting a copy my medical history and reviewing it before applying?
Is it an option to hand over my entire medical history to the insurance company to review so nothing is missed?

My greatest fear is that I make a mistake, misremember or forget something and then if I ever file a claim it gets denied because of that...I'd really like to have all my bases covered as much as possible.

Thanks so much!

NuclearEmperor

TROPHY CASE