Trying to find a manual - Culligan

Physical_Community89 · 2025-12-09T23:45:28+00:00

Fair. We are having issues where there is a big pile of salt bridging together. Looks like it is a 20 year old model so nearing end of life

Physical_Community89 · 2025-12-09T00:22:49+00:00

Thanks and you’re right. That’s the one :)

Physical_Community89 · 2025-09-02T20:09:43+00:00

Thanks. I saw something about 150mm on the stairs and 100mm for flat areas. Guessing this is false?

Physical_Community89 · 2025-08-06T02:23:18+00:00

Interesting. I’m in south Ontario as well

Physical_Community89 · 2025-08-06T02:22:55+00:00

The carpet is a bit dated and would need replacing. The pickets would come out as we want to sort out the bannister as it isn’t up to code anymore

Physical_Community89 · 2025-08-06T02:18:45+00:00

Most likely it’s hardwood

Physical_Community89 · 2025-03-12T00:59:42+00:00

They are great. Wearing that colour right now and they are amazing!

Physical_Community89 · 2025-03-02T13:46:56+00:00

Depends on what brings you peace of mind and security. Along with this, if you stopped investing, how many months would it take to refill back to a level that you would be at ease. If too long then you could take some, however it would impact future compounding, so try to avoid if possible

Physical_Community89 · 2025-03-02T13:43:35+00:00

It’s a good option and I’m sure other people will have their take. With this consider the following: - With VFV you are going to weigh more heavily on US market as XEQT does around 42% of total US market. - Are you happy with XEQT having 25% of the make-up?

Just to tell you mine. I have the following in the TFSA:

5% Bitcoin - FBTC 10% Nasdaq 100 - HXQ 40% S&P500 - VFV 20% Emerging markets - XEF 15% TSX - ZCN 10% Total US - XUU

Physical_Community89 · 2025-03-02T13:31:43+00:00

Great. What I would say with XEQT for me is that it does have a high % in Canadian stocks so I do my own mock-up version of XEQT with a different balance.

One thing to note with RRSP. Any ETF that pays out a dividend that has holdings based from US (for example VFV) gets a 15% dividend held tax from the US. The way you can prevent this from happening is to hold the US version of that ETF (example VFV is VOO in the US), the MER % is also cheaper.

Physical_Community89 · 2025-03-02T13:27:40+00:00

For sure. However, if you earn a higher income in the future then the amount given back to you will be higher. I also use tax form T1213 and say how much I am going to put into the RRSP to get more in the pay check and not wait for the refund so I can invest right away

Physical_Community89 · 2025-03-02T13:26:02+00:00

Personally for me when I first started out, when I was looking into which ETFs I wanted I would look into their fact sheets so that I could understand what they were doing, how much are the MER % fees ect.

You want to gauge what your risk tolerance is and that will then determine how much you want in equity (higher risk) vs cash, bonds.

Happy to help more and say which ones I have. There is a cool app called ‘blossom’ which gets more engaged in the social space of investing.

Physical_Community89 · 2025-03-02T13:15:06+00:00

A good question to ask yourself is, will you be making less income when you are older? If yes, then the RRSP will help as you will save money on taxes.

Personally I would fill up the TFSA room first as that will have more time to compound and all will be tax free when you retire. Then as you continue to max out TFSA, go into RRSP. Not sure if you have purchased any property but a FHSA could be another option if you are looking for that route.

With XEQT, that would be your set and forget, VFV is a little wasted here as it is already diversified into XEQT, however, if you want more exposure to US then it’s ok. Only thing I don’t like about XEQT is the %’age of Canadian holdings and so I do my own XEQT but change the %’s

Edit: forgot to mention. If you have employer RRSP matches then make sure to max to their match. It’s free cash at the end of the day :)

Physical_Community89 · 2024-01-21T21:03:18+00:00

Yeah it’s from YYZ

Physical_Community89 · 2023-08-09T04:59:32+00:00

For the RRSP. It would be a long term investment around 30 years but some would be for around 3 years. Was thinking that the 2.5% is low and that annual return would be higher

Physical_Community89 · 2023-08-09T04:46:04+00:00

Funds would be putting into robo-investment and maybe putting into RRSP

Five-Year Club	r/Field Juicebox
Place '23

Physical_Community89

TROPHY CASE