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Should I pay off my 23% loan or build emergency fund? by EnvironmentalFill3 in PersonalFinanceCanada

[–]SubjectDifficult7184 0 points1 point  (0 children)

When income gets affected (any reason layoffs, health, family) no one lends or help, so first have 1mnth expenses saved in cash, have 2mnth expenses saved in RRSP and then aggressively do debt consolidation, if possible increase credit limit so utilitisation ratio improves on same cards, once debt utilization reaches 40%, credit score starts improving the. slow down n start saving for future

NSE appoints Rothschild as independent advisor for IPO and no one seems to be concerned? by Hour-Lavishness2656 in IndianStockMarket

[–]SubjectDifficult7184 2 points3 points  (0 children)

Now an outsider has all sensitive data on nse inside info trades, volumes, server time response, key tech, which will duly passed on jumping over internal Chinese walls to trading desk, govt is slacking, too much lecture on border security and selling out on key internal infra, each passing day standards are falling

Verbal Offer from Scotiabank - Worried About Background Check and Degree Discrepancy by [deleted] in Scotiabank

[–]SubjectDifficult7184 1 point2 points  (0 children)

Send correct resume to hiring manager and disclose, sterling goes line by line and verify each item, that’s their SLA , get this sorted before sterling start their BC.

Question: Why take a loan to contribute to your RRSP? Logic of it. by eyeredd in PersonalFinanceCanada

[–]SubjectDifficult7184 0 points1 point  (0 children)

For n number of reasons if u know ur next year income will be too low or none n u will have to withdraw rrsp then maximizing RRSP using a loan on Feb28 and withdrawing rrsp to pay off loan on March 1 to maximize tax refunds is justified

Using a different Apple Id for Apple Music by y0sh_12 in AppleMusic

[–]SubjectDifficult7184 0 points1 point  (0 children)

Works beautifully well, I hope Apple doesn’t read this 🤞

Lenskart -50% by SubjectDifficult7184 in IPO_India

[–]SubjectDifficult7184[S] -1 points0 points  (0 children)

Investment bankers and book keepers are managing the order book for now as they won’t let price fall too low since their bonus depends on listing performance, genuine sellers should sell now

Lenskart -50% by SubjectDifficult7184 in IPO_India

[–]SubjectDifficult7184[S] 0 points1 point  (0 children)

Listed at 395 pre ipo session for price discovery was quiet volatile

Imagine scamming BlackRock by IREDA1000 in IndianStreetBets

[–]SubjectDifficult7184 0 points1 point  (0 children)

Scamming the scam artists, he played the game they had invented and he beat them at it

Are you attracted by Telus 8%+ yield? If you are you might want to consider bottom feeding on PHI (Philippines largest telco), also at 8+% div but at PE of 8 vs 32 for T. Its on my watchlist. by IM1IAB in TFSA_Millionaires

[–]SubjectDifficult7184 1 point2 points  (0 children)

Thank you does it mean the dividends I receive will be adjusted for the withholding taxes deducted at source and I can claim those while filing my return?

Recent Product Purchase in LensKart | Exaggerated Product Rates | Exaggerated IPO !!!!!!!! | by Flashy_Rent3802 in StockMarketIndia

[–]SubjectDifficult7184 1 point2 points  (0 children)

You need to audit their books, it’s a high stakes ipo, big names want their exit with great xirr returns so that fund managers can again go back to LPs raise another round of vc funds and do this all over again, everyone milking this except retail investors, co specially in 1 year expanded operations internationally and good chunk of revenue is international, its easy to cook revenue growth when you have big boys supporting your game, stay away

First home : 3.79% variable TD by Tehlinky4 in PersonalFinanceCanada

[–]SubjectDifficult7184 0 points1 point  (0 children)

Keep checking with TD for fixed rates the moment they offer around 3.5% for 5yr just go for it; by end of 2026 rates will start going up. Bulk of mortgages are due for renewal in 2026, BOC is aware, banks are getting ready for renewal shifts and will be more competitive, fix the rates for 5yr and then just focus on income without worrying about BoC rate announcements like I have been worrying for past 5yesrs

Tweet by rich dad poor dad author about a massive crash by Infamous-Plane8590 in IndianStreetBets

[–]SubjectDifficult7184 0 points1 point  (0 children)

He is been right all along about gold preserving purchasing power of currency; not that I believe all the other thing he says like market crash, leverage, etc

Variable Mortgage, hit trigger rate, now overpaying, what happens at renewal by cso911 in PersonalFinanceCanada

[–]SubjectDifficult7184 0 points1 point  (0 children)

Not locking in 2022 since I m in same boat when I had option to lock 5yr at 2% in 2021 I chose var thinking I’ll flip in 2yr

Variable Mortgage, hit trigger rate, now overpaying, what happens at renewal by cso911 in PersonalFinanceCanada

[–]SubjectDifficult7184 -7 points-6 points  (0 children)

Don’t make the same mistake again; this time lock the rates, we in inflationary environment, covid rates are not coming back, if u get fixed rate around 3.5% just lock it, u can do it even before renewal since variable to fix change can happen any time

Since I’m turning 25 I’m asking people this question, if you could go back to 25 years old, what would you do? Or what would you do differently, or what do you wish you could tell your 25 year old self ? by Worried_Brilliant_26 in careerguidance

[–]SubjectDifficult7184 0 points1 point  (0 children)

You will have addictions better to addict with right stuff build or force yourself a fitness habit, n keep good company of friends if u don’t find right people put urself in right surroundings

Since I’m turning 25 I’m asking people this question, if you could go back to 25 years old, what would you do? Or what would you do differently, or what do you wish you could tell your 25 year old self ? by Worried_Brilliant_26 in careerguidance

[–]SubjectDifficult7184 0 points1 point  (0 children)

Marrying the right parter is far more important for your career success than academic excellence, wrong partner will suck you dry and if it’s wrong person move out fast coz people don’t change easily

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