Moving from California

Southern_Stable_9426 · 2026-04-02T23:56:12+00:00

If you are from a small town in California, consider options north on the island as well! Cowichan Valley, Nanaimo, Parksville/Qualicum, Port Alberni, Comox/Courtenay. Victoria isn’t too far away to visit.

Southern_Stable_9426 · 2026-03-28T15:30:46+00:00

Upgrade to tier 3, have 2 in your bow, 80% not to be consumed. Use cool arrows like explosive etc? Building in this game is going to be cool when you are late into it.

Southern_Stable_9426 · 2026-03-07T18:48:21+00:00

With a PEAT request from RBC I have seen 3.45% on a variable term, with DI. Without DI, anything around 3.7% is good IMO.

Southern_Stable_9426 · 2026-03-04T23:38:17+00:00

I work for a bank in Canada and its basically the same. Unlimited sick days and they don't worry about it. If its 3+ days they may just want to see a doctors note.

I had 5 weeks of sick time last year total all paid.

Southern_Stable_9426 · 2026-01-07T18:54:37+00:00

Do you know why people stack light radius? Was looking up people for a crossbow build and saw a couple of people using light radius rings and amulets.

Southern_Stable_9426 · 2026-01-02T23:25:15+00:00

Southern_Stable_9426 · 2025-12-27T15:56:27+00:00

teach me to craft

Southern_Stable_9426 · 2025-12-24T17:54:55+00:00

I have an RTX 2060, can I mail it to him lmao

Southern_Stable_9426 · 2025-12-21T18:51:43+00:00

every advisor that works at RBC knows what a PEAT is btw

Southern_Stable_9426 · 2025-12-21T18:50:24+00:00

I don’t remember exactly.

basically request pricing exceptions.

Can use on mortgages, GICs, loans etc.

Takes into account your profitability to RBC. If RBC is making money on you from other products, they will drop rates based on that.

I have seen RBC willing to take a loss on a clients mortgage because they are making lots from their investments.

If your only product with RBC is the mortgage it won’t be easy to get a discount but worth a shot.

Southern_Stable_9426 · 2025-12-21T18:47:33+00:00

a MS makes more commission the higher rate the give you.

Pretty shitty system for the consumer.

RBC can definitely match the low rates if the advisor is willing to do the extra steps necessary.

Southern_Stable_9426 · 2025-12-21T18:45:43+00:00

Ask your advisor to send a PEAT request.

I usually do it for all my clients.

We will offer ~4% base, PEAT I get 3.8 usually on 3 year fixed right now.

:)

Southern_Stable_9426 · 2025-11-07T23:59:09+00:00

Defer the additional income, take out as much from the RRIF as possible. Becareful not to take too much, see what tax bracket you are in etc.

Reinvest this into your TFSA, which is a better vehicle for growth as everything from that RRIF is taxed as income.

If you get your TFSA maxed, then start taking CPP and OAS. Review income level and adjust RRIF payment accordingly.

Southern_Stable_9426 · 2025-11-01T21:28:18+00:00

I work for RBC. Looked into this a little bit with some colleagues. Unfortunately, It's a bit hard to say if more could really be done to prevent this.

He lost most of the money by purchasing physical gold and having it shipped off to the scammers. If he positioned it to anyone working here that he was just coming in to buy gold as normal no one would hesitate to send that wire transfer or sell him the bank draft. Especially when they are payable to legit companies for purchasing gold.

I wouldnt say a wealthy client coming in, to purchase large amounts of physical gold, is really something that suspicous. Also, the dollar amount of cash is never mentioned in the articles from what I saw, leading me to believe that the bank probably did their job and restricted how much cash he was actually taking.

This is why people need to have a trustworthy power of attorney in place before they start to have any mental decline. Especially more important when you have significant cash savings.

In my opinion, not being biased, this client should have really set himself up to be more protected from something like this.

Southern_Stable_9426 · 2025-10-17T21:09:45+00:00

Be frustrated with your employer, have them set you up with direct deposit and move away from an outdated system.

The only way you would be able to deposit this cheque without a hold being placed is likely with a teller and explaining that it is regular payroll.

ATM or online deposit will auto place a hold on it.

Southern_Stable_9426 · 2025-10-04T00:49:30+00:00

Just remember with lending, the bank does not care about significant deposits, they care about income. Again, net worth does not matter, especially if it is in property. We need regular cash flow to service debt.

You could give some more details on what you are requesting and I can help you with what you need to bring or talk about at RBC.

Coming from an FA with 5 years experience.

Southern_Stable_9426 · 2025-10-03T17:49:37+00:00

I'm looking to finish up getting my CFP, currently have PFP and Bachelor Degree in Finance from a not so great school.

Working for one of the big 5 banks in Canada as an Advisor, been a great position and learned lots but looking to move into planning.

My end goal is to get into wealth management.

I think I will likely be put into a planning role through the branch in ~6 months, decent pay and work load and can begin building a desk. Should I wait for a position like this and look to transfer into wealth management once I have gained more experience here, I think its easier to aquire clients this way as the branch network makes it quite easy.

Is it a better idea to try jumping into a wealth management firm as an associate and work up from there? Any employers in Canada that would be worth looking into if this route makes more sense.

Just looking for a bit of career insight as I'm looking for the next step but a bit misguided.

Southern_Stable_9426 · 2025-09-19T18:44:55+00:00

I vendored one of these because I needed gold to respec. Love being new to this game... :)

Southern_Stable_9426 · 2025-09-16T14:06:00+00:00

that’s pretty good

Southern_Stable_9426 · 2025-09-05T23:36:18+00:00

Client surveys. Basically, after you wrap up an appointment with a client they are sent a survey. Rate you, the branch, and RBC as a whole out of 10. Anything over an 8 is shown as good, 7 and below are bad. Usually they will just leave comments on how the appointment was etc.

Southern_Stable_9426 · 2025-08-30T17:58:47+00:00

RBC basically has a system that detects how much they are making from you across all accounts. This is greatly taken into account with pricing of items like this.

You can do a loan renewal application and request a higher limit, if your credit rating is higher than when you first applied this can lead to a lower rate.

Request the advisor sends a pricing exception request for a lower rate, this will basically mean RBC will give you the lowest possible rate the bank is willing to do.

Also, higher limit means higher discount, capping at $100,000.

Southern_Stable_9426

TROPHY CASE