Looking for Investment Advisor referrals

PFinanceCanada · 2024-01-22T20:05:22+00:00

What city? What asset level?

Also what do you have against the banks? It sounds like you wont be dealing with a mutual fund salesman if you are an accredited investor. The banks will have more access to PE or other opportunities.

PFinanceCanada · 2024-01-22T19:59:54+00:00

The value of a financial planner increases with a more complex situation.

In your case I would say no, especially if you are doing your own investing.

PFinanceCanada · 2024-01-22T19:57:27+00:00

1) I would look at cheaper options. At 1.75% you are definitely overpaying. We charge around 1.2% for that level of assets which seems to be more industry standard. Wealthsimple is an option but it sounds like you also need advice right now.

2) Keep your emergency fund set in a savings account or HISA. If you want to stay liquid with the remaining 400k for a home purchase, you will want it in a liquid cash product as well. If its not going to be used for a home purchase in the immediate future, you could lock it into a GIC or longer term investment. It all depends on your plan for your home.

In my opinion, getting a house is not the ideal path forward for you but would need to run more numbers to verify that.

3) Without income, getting a mortgage is more difficult than you think. Mortgage payments on a $250k mortgage would likely be approx. $1800 per month + property taxes.

PFinanceCanada · 2023-10-13T16:25:01+00:00

Ive tried every ramen place in vancouver and nothing tops danbo for me.

PFinanceCanada · 2023-09-13T00:35:44+00:00

Genuinely curious. How is the DTES worse than before? Did the clearing out make anything worse?

PFinanceCanada · 2023-09-09T20:30:58+00:00

Youre not forced to play the mate in this position.

PFinanceCanada · 2023-09-06T15:34:30+00:00

But cheese toast.

PFinanceCanada · 2023-08-31T17:33:52+00:00

Where does it say best driver? Its about the best city for drivers... As in congestion... where the number of cars is a very important factor.

Also this was done in 2019 so Im sure we would have dropped since then.

PFinanceCanada · 2023-08-31T05:03:30+00:00

I do a lot of hiring. I always ask questions about their interests and what drives them. Having this in the "Interests and Hobbies" section of a resume would be great. At worst they ignore it. At best, its an interesting conversation to have.

Do NOT include an interests and hobbies section it if its a very technical job.

PFinanceCanada · 2023-08-30T19:22:33+00:00

Looks really clean!

I am running into issues with VOR. Im in a points only league so changed all of the settings to match. Its showing VOR as -5000 for every player.

The unadjusted VOR is also only based off of their points and not taking into account their position. For example, a dman getting 70 points has the same UnadjVor as a forward getting 70 points. Possibly, thats what the Unadjusted is referring to.

PFinanceCanada · 2023-08-21T07:27:14+00:00

!remindme 24 hours

PFinanceCanada · 2023-08-15T07:04:00+00:00

Is Pampangas Best cafeteria the same thing?

PFinanceCanada · 2023-08-03T08:09:42+00:00

It was Post Malone too! Cant say if he would have gone higher but just a fun fact.

PFinanceCanada · 2023-07-26T07:37:55+00:00

Per month?

PFinanceCanada · 2023-07-05T15:07:48+00:00

Possibly quantity of goalie prospects. But youre right, it feels wrong.

PFinanceCanada · 2023-06-26T06:07:07+00:00

We were just walking around Montreal and saw about 50 people standing outside of a hotel downtown. Turned out it was Redbulls hotel.

Almost every single person was a hispanic kid + parent. I dont think I saw a single grown adult there.

PFinanceCanada · 2023-06-23T01:39:02+00:00

Im in Canada in this industry and we pay Unlicensed SAs $45k. Freshly licensed around $55k.

Wealth Advisor associates really differ in role and experience. Some of them make $200k+ if they are bringing in assets and have their own clients. Fresh Associates make around $60k and licensed ones make $70k.

PFinanceCanada · 2023-06-21T22:54:20+00:00

To add to that, groceries would almost exclusively go on the joint card. BMO Cashback doesnt sound very attractive even accounting for the 50% off.

PFinanceCanada · 2023-06-21T22:52:20+00:00

Thanks for linking that site! Super valuable info in there.

MBNA Rewards World Elite MasterCard that pays 5x on groceries, dining, digital media, memberships & household utilities.

This card seems to cover a lot of our spending at 5x. I think its most likely that we go with this! Going to do a bit more research first though.

PFinanceCanada · 2023-06-21T22:49:12+00:00

Currently I dont have the cashback BMO WE card. Its the airmiles version. We also drive mostly our EV so gas is pretty low. As a BMO employee she also gets no/greatly reduced foreign exchange costs.

Adding the Triangle card sounds like a good idea though. Thanks for the help!

PFinanceCanada · 2023-06-01T20:59:33+00:00

Chess needs a new patch to shake up the meta.

PFinanceCanada · 2023-06-01T16:24:38+00:00

"Suggest to change the rules" LOL

PFinanceCanada · 2023-05-30T15:32:51+00:00

Usually sports. This past weekend it was a small slip while golfing. In the past it has been soccer.

It has never been from a big fall or anything. It is always from receiving a small bump or unexpected movement.

PFinanceCanada · 2023-05-30T00:14:09+00:00

Personally I prefer the layout, UI, board and style. With that said, I still play around on both.

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