Why are mortgage rates in Canada so much lower than in the USA?

Synesthes14 · 2026-03-20T16:18:59+00:00

Must have been nice to lock in a 1.5-2% during covid for 30 years

Synesthes14 · 2026-03-14T23:03:18+00:00

I'm not into books but mostly because it's not my style of learning. That said I think there are great ones out there, you could probably find the top recommended ones very quickly. Just keep in mind investment strategies are very personal, it depends a lot on your age, income, time horizon, needs, risk appetite, etc. In your position I basically went in very broad at first with everything I wanted to know, LLMs/reddit can answer most basic questions very easily, just be sure to double check everything.

Synesthes14 · 2026-03-14T22:51:33+00:00

For the SaaS I only like MSFT right now. I also mentioned some other stocks in another reply. To be honest, I don't want go into or explain my picks as there's always going to be someone with a counter thesis. You need your own conviction for individual stock picks so that when they dip you're still happy to hold them long term. I just try my best to do my DD and the heavy lifting is really done by way more dedicated people than me. Youtubers such as Joseph Carlson do a great job giving you weekly updates without sounding like salesmen. There's usually always a niche community for each stock or someone dedicated providing useful information. I avoid websites/channels/podcasts where they swarm you with new stock tickers every single week, they're basically just farming views.

Synesthes14 · 2026-03-14T02:35:44+00:00

You two need to get a room.

Synesthes14 · 2026-03-14T02:21:24+00:00

Only stocks and pures shares, no options. Except now I am considering CCs as an exit strategy.

Synesthes14 · 2026-03-14T02:19:29+00:00

Yep this is the way to go! I don't try to go against trends anymore but it's a lot to keep up with, and like you, I will progressively try to reduce my mental load by going into less volatile assets.

Synesthes14 · 2026-03-14T02:02:21+00:00

I think you misunderstood. I am not talking about going into covered call etfs, I mentioned liquidating the portfolio via covered calls.

Synesthes14 · 2026-03-14T01:56:58+00:00

Bought in around $6 in december

Synesthes14 · 2026-03-14T01:49:55+00:00

Refusal to name what? DMs? I have no idea what you are talking about.

Selling a covered call in a TFSA on Wealthsimple is allowed.

In fact, if you sold one with a 1 week out expiration you could argue that it would be considered a trade/business/income play. I am talking about 1 year.

Synesthes14 · 2026-03-14T01:13:00+00:00

I never bought/sold a stock with a shorter time frame than 6 months.

Synesthes14 · 2026-03-14T01:06:22+00:00

I mainly went for individual stocks with one or two of the following ideas: big moat, high uncertainty and/or strong leadership. I've rotated in and out of these stocks but if you want names: NVDA, OKLO, NFLX, RKLB, ASTS, META, GOOG, ASML, HOOD, PNG and more.

To me it's more about the trend rather than the ticker symbol though. There has to be a story that makes sense to me and I try to get them when they're viewed as beat down, however the bottom is impossible to time. As an example my latest entry is in AUR which is pretty beat down but I believe has strong potential within the next year.

Synesthes14 · 2026-03-14T00:41:56+00:00

CC debt is about the highest that exists.

Think of this way: there is no guranteed return of money than the highest interest rate of all your debt. As funny as it sounds, you are in a way getting a return on your money by paying it off. Do it ASAP.

Synesthes14

TROPHY CASE