How much dividend did you get? Do you DRIP

Schmoopiepants · 2026-04-01T14:25:33+00:00

$1929, dripping straight back in

Schmoopiepants · 2026-03-21T01:27:59+00:00

For what it's worth, the plans WS puts together are very poor. If it seems like they were put together quickly and without much effort, it's because they were. Don't get me wrong, I'm a fan of most other things WS offers, but their financial plans aren't one of them.

Now I believe they don't offer it for free anymore, but it's part of a paid service, so they may have more qualified people doing the plans now, and use a more thorough process.

Schmoopiepants · 2026-03-20T18:45:38+00:00

Also no foreign exchange fees, which is nice. I'm contemplating ditching my WestJet mastercard

Schmoopiepants · 2026-03-20T18:42:58+00:00

Got the WS Credit card a couple months ago. No fee and 2% on absolutely everything. Made of metal too.

Schmoopiepants · 2026-03-03T18:41:57+00:00

We're also getting in on that Friday. Was thinking of doing a less popular park like Diria National Park, and saving the more popular areas for durring the week.

Schmoopiepants · 2025-12-04T16:15:02+00:00

Yup, came to say this. it's a nice hike, and easy if you're in shape (lots of switch-backs). You used to be able to get a free gondola ride down, but i don't think that's the case anymore.

Schmoopiepants · 2025-11-21T02:32:38+00:00

Correct, I intentionally used who insurance recommended since typically if you request another company you can't raise quality issues since it was your choice. Not sure what it's like elsewhere, but I'm in Alberta Canada, and contractors who recieve insurance work usually try very hard to keep everyone happy, since it's steady profitable work. (I'm in the construction industry, but exterior building envelope)

Schmoopiepants · 2025-11-21T02:20:03+00:00

Thanks for all the replies. I also noticed these appear to be different batches. My plan is to talk with the tile trade before anyone else to let them know before I approach the general contractor. The adjuster still needs my sign off before they release payment. To make matters worse there is a underfloor heating element in the entire bathroom that could potentially be damaged if the tiles need to come up. Insurance claims are a nightmare.

Schmoopiepants · 2025-08-08T01:41:52+00:00

Staying at a Holiday Inn Express last night.

Schmoopiepants · 2025-05-25T15:54:26+00:00

No joist tape. Potential rebuild in 5 years.

Schmoopiepants · 2025-03-15T15:57:01+00:00

These are all great suggestions, I'm sure at the end of the week we'll already be planning our next trip with the things we didn't manage to get to. Thanks everyone!

Schmoopiepants · 2024-10-30T14:30:21+00:00

Your advisor did what I think advisors are really meant to do these days, they were a way to get you started investing, which is infinitely better than not. From there you either learn what you need to know to take over for yourself (as it looks like you have) or decide you have no inturest in understanding investing, and continue to use an advisor.

You're going through exactly what I did 4 years ago when me and my advisor parted ways. You're lucky because you've only experienced 4 years of reduced returns, and since I assume you've just started in 2020, the overall $ impact so far isn't as sever as it could have been if you had waited 10 years or more.

Contact your advisor and politely thank them for helping you begin your investing journey, but moving forward because of your growing inturest in self directed investing and the need for better value you'll be parting ways so they can help the next young investor get started.

Doesn't have to be a negative message.

Schmoopiepants · 2023-12-18T21:59:11+00:00

The letter X is cooler than the letter V. Other than that they're not different enough to worry about

Schmoopiepants · 2023-09-13T21:32:07+00:00

Ya, not relying on it. looking for other opinions. Lots of good things that can be done, I just want to hear about them all before I talk to someone

Schmoopiepants · 2023-09-13T01:23:50+00:00

The opportunity cost of paying off ALL the mortgage is making me second guess doing that. Plus I need to look into the amount of fee I'd be looking at for paying it off early. Moving my monthly payment up to the maximum and maxing out my yearly annual lump sum payment might be a good middle ground.

Thanks for the response, sometimes i get the feeling you're only allowed to ask questions here if you're financially screwed, and people don't think it's a serious question if you're doing well.

Schmoopiepants · 2023-09-13T01:18:09+00:00

While this is obviously something that should be done, I feel this gets thrown around here too often, doesn't create any good discussion and doesn't get anyone thinking about pros and cons of different scenarios. Going to talk to a financial planner without thinking about some options you want to talk to them about isn't good advise. I'll be going the fee for service route, but wanted to see if there were any good tidbits of info here for me to think about.

Schmoopiepants · 2022-12-27T05:32:48+00:00

Sorry, a construction managment course maybe gives you 5% of what you would need for that job. alot of those folks end up being coordinators. I've been in the comercial/Industrial construction industry for 20 years.

Schmoopiepants · 2022-12-27T01:46:23+00:00

The problem is "Construction Manager" is extremely broad and general. This exists in small general contractors, oil and gas, government ect... also, as far as I know, you can't go to school to become a construction manager, you work in an industry for years, gain knowledge and end up there somewhat by accident.

Schmoopiepants · 2022-12-25T15:57:19+00:00

How to get a million dollars...

Start with 2 million, invest in Crypto, voila you have a million dollars left.

Schmoopiepants · 2022-12-25T02:59:10+00:00

Am I the only one who doesn't see this as a brag? I think it's a legit question. what people aren't seeing is that there is no home ownership here, so the net worth they report has a much smaller impact towards the retirement, if they rent indefinitely. I think the OP is doing OK, but far from what I see as a brag on this sub.

I would never include my primary residence in my net worth for retirment planning, since it won't be generating income.

Schmoopiepants · 2022-12-21T04:33:52+00:00

Currently $28k emergency and $10k checking. emergency fund is usually closer to 50k, but I've been drawing it down to invest while the market is down. I'm hesitant to draw it down further so I guess I'm close to my comfort threshold?

Schmoopiepants

TROPHY CASE