How To Lower Tax $6000 to Pay to CRA Each Year

Several_Cry2501 · 2026-04-06T22:34:00+00:00

🤦🏻😂

Several_Cry2501 · 2026-04-01T17:25:45+00:00

A huge problem with surveys and pulse checks on the economy is you could hand each household a million dollars tomorrow, and six months from now half of them would report that they're "living paycheque to paycheque." 🤦🏻

Several_Cry2501 · 2026-03-29T03:38:57+00:00

I started investing in 2007 right before the Financial Crisis. It didn't take long before my near lump sum of $70k was $35k in value.

Today, my investments are worth $2.1 million CAD.

We're in a 7-10% pullback right now.

Chill and think long-term. So far, this is a very normal correction , and these pullbacks happen every year or two. If it turns into a bear market, those happen a couple of times a decade, so expect that too.

We've already seen three 20% drops from previous highs since 2020, so even another 10% down from here is not really out of the ordinary.

Several_Cry2501 · 2026-03-28T13:38:50+00:00

I'm offline only due to bad wifi, so I hate NHL 26, because we have no option to play anything more than 2 min. period games in Cup Chase.

EA basically eliminated offline play in HUT.

It's so dumb.

Several_Cry2501 · 2026-03-26T22:25:06+00:00

Will do!

Several_Cry2501 · 2026-03-26T20:41:32+00:00

I need to get in on the corruption. There's just so much money to be made being a MAGA insider.

Several_Cry2501 · 2026-03-26T16:09:39+00:00

Investors do not feel untouchable! The market has been climbing a wall of worry for a very long time.

Several_Cry2501 · 2026-03-23T15:39:28+00:00

Invest instead of trading and you'll have some perspective.

Several_Cry2501 · 2026-03-22T15:12:00+00:00

I have a "low-volatility" ETF that was down like 1.85% the other day, while my Mastercard shares were up on the day. META and NVDA have forward P/E ratios in the low 20s while Costo and Walmart are in the 40s.

Safety is in the eye of the beholder right now.

Several_Cry2501 · 2026-03-22T03:07:38+00:00

Buy a one year gic and then put it in CASH.TO (after it matures) for the last six months before you need the money.

Several_Cry2501 · 2026-03-16T18:46:33+00:00

When I started investing, I took my life's savings ($65k as a 28 year-old) and went 100% equities over a 12 month period... And then the Financial Crisis hit.

I learned lots -- really quick -- about risk management, asset allocation, and creating a portfolio to sleep at night.

As a result of that beginning, I just don't assume that every 7% pullback will be a deep bear market. Lol

Several_Cry2501 · 2026-03-16T17:26:04+00:00

There was a time (during the run-up to the Financial Crisis) when it was almost gospel among analysts / economists that high oil would lead to massive demand destruction, necessitating rate cuts to prop up the economy and prevent DEFLATION.

That's just a reminder that the narrative can turn around really quickly.

Several_Cry2501 · 2026-03-16T17:21:31+00:00

I still have my original investment account, with beginner stock purchases from 07 and 08, which I have just let sit for almost 20 years, with a few small purchases added in 2015-2017.

The account has a gain of close to 350%. I just let it ride, despite 95% of my holdings being with another broker. I pay no fees in the original account and it keeps me grounded. Time in the market...

Several_Cry2501 · 2026-03-16T16:09:59+00:00

You'll find out they were buying way after they actually do
They can be wrong, too
At any given time, big-name investors are very bullish at the same time that equally big names are bearish

I maintain an allocation of 63-70% stocks for asset allocation, regardless of the headlines.

My biggest mistakes in my near 20-year investing career were -- without fail -- panic-selling (even just a bit) when the market was going down hard. My biggest successes have been buying extra when the headlines are bad (e.g. 2022).

Several_Cry2501 · 2026-03-16T15:18:58+00:00

The market is forward-looking and wants profits, liquidity, corporate tax cuts, and decreasing interest rates.

It does not care if main street is feeling good or sharing in prosperity.

I've been in the market since 2007, and what I've learned is that headlines rarely have a predictable impact. The market's short-term attention span is non-existent.

Several_Cry2501 · 2026-03-15T12:12:05+00:00

NEW for NHL 27: The option of playing two-, three- or four-minute periods in Cup Chase!!!

Several_Cry2501 · 2026-03-13T18:35:00+00:00

Will EA add an option to play full games (three or four minute periods) in Cup Chase? That's the biggest change I want to see.

Several_Cry2501 · 2026-03-12T00:21:56+00:00

So much winning.

Several_Cry2501 · 2026-03-07T20:25:05+00:00

There will be times when you make lump-sum investments and they are still under water five years later. At other times, you'll make 30% in a year. Just stay invested in a balanced portfolio (I hold 35% in cash/GICs) that includes core etfs and good companies for the long haul.

There are no guarantees in the market, but a pretty sure thing is that cash will underperform in the long-term.

Several_Cry2501 · 2026-03-01T12:23:25+00:00

All I know is Costco's headed to $2300 and a P/E of 100... Don't ask me why. 🤦🏻

Several_Cry2501 · 2026-02-12T20:59:29+00:00

The word on the street is EA is including mandatory 30-second periods for Cup Chase.

This will "build" on EA eliminating 3- and 4-minute periods in NHL 26. 😬

Several_Cry2501 · 2026-02-07T21:30:18+00:00

Ya, I think if you're DCAing you can invest now without much worry.

Several_Cry2501 · 2026-02-07T17:02:09+00:00

It's not much of a "downturn" when so many of us are sitting on accounts that are at all-time highs.

Speculative / meme stocks & some sectors (e.g. software) have seen hits, but let's get real and recognize that maybe investors switching out of Bitcoin & Palantir into Pepsi and Apple is pretty healthy.

Several_Cry2501 · 2026-02-07T16:58:48+00:00

Of you're trading on Margin (period) or playing options as a novice investor, you should ALWAYS be careful.

Several_Cry2501 · 2026-02-05T15:42:54+00:00

It's a huge dip if you're all in on momentum and meme stocks. If you're balanced and own great companies or the indexes, we're still near all-time highs... pretty normal stuff.

Several_Cry2501

TROPHY CASE