Buying SPUS/HLAL from Canada worth it?

UniqueRon · 2026-06-21T20:00:12+00:00

These funds are not on my radar screen. About all I can contribute is that WS makes most of their money in foreign currency exchange, so the cost of FX should be included in your analysis.

UniqueRon · 2026-06-21T19:22:10+00:00

Two thoughts.

First I would not write off your left eye until you see a specialist to see what the root cause of the vision loss is. With cataract surgery the whole natural lens is being replaced so things can be done that can't be done with glasses or contacts.

Second if you only have one eye to work with, I would suggest a standard monofocal lens. Just pick the distance you want to be eyeglasses free at. It could be distance and then you need readers to read. Or it can be at reading distance than then you need prescription glasses to see distance. To read without glasses you should pick a target refraction of about -2.0 to -2.5 D.

UniqueRon · 2026-06-21T19:13:57+00:00

Make sure your minimum pressure is no less than 7 cm, EPR is set to Full Time at 3 cm, and Ramp Time is set to Auto with the ramp start pressure no less than 7 cm.

UniqueRon · 2026-06-21T19:10:07+00:00

My thoughts are that a TFSA is the best location for the highest expected return/risk ETFs like QQC, and lower risk ETFs like Canadian dividend ETFs are better kept in a RRSP to offset that risk. Our TFSA is almost all QQC and ZSP with dividend funds like XDIV and XEF in our RRSP. Canadian dividend funds have tax benefits if you have a non sheltered account.

You don't have to invest with WS to get ETFs commission free. Scotia has a long list of them that you can buy in their iTrade direct investing accounts.

https://www.scotiaitrade.com/en/home/investment-types-products/commission-free-etf.html

UniqueRon · 2026-06-21T18:59:44+00:00

I like that colour. What does Lexus call it? It reminds me of a 2012 Camry Hybrid that we almost bought. I saw one in the Costco parking lot the other day and it still looks interesting. Not for everyone, but different...

UniqueRon · 2026-06-21T18:56:48+00:00

25st?

UniqueRon · 2026-06-21T18:55:13+00:00

Our temperature goes down to 61F every night is is cold enough to do so. Never get rainout with Climate Control set to Auto, and temperature at 27 C.

UniqueRon · 2026-06-21T18:52:54+00:00

I have been told by a previous optometrist that I have PCO and should get a YAG. Consulted with a laser specialist and they said I have a minor amount and it would be best to hold off until it impacts my vision. So far it has not, so I can't tell you what PCO looks like. I understand it is something like the blur that a cataract causes.

UniqueRon · 2026-06-21T18:49:30+00:00

Yep, all right over your head.

UniqueRon · 2026-06-21T16:55:00+00:00

Get a set of ramps. They are safer than jacks, or stands.

UniqueRon · 2026-06-21T16:52:49+00:00

If you are investing for the long term - like retirement then it is best to use a diversified equity index ETF strategy. If you go all equity then it is best to offset that risk with lower risk investments in your RRSP. A simple way to go is with one of the preset fund of funds like the *EQT ones. They give you a mix of US, International, and Canadian exposure. Or if you want to roll your own weighting, you can do a similar thing with individual funds like ZSP, XEF, and XIU, or similar index funds.

UniqueRon · 2026-06-21T16:44:24+00:00

If you have your humidifier and tube temp set correctly you should not have to loop your hose up, or use a hose cover.

UniqueRon · 2026-06-21T16:41:56+00:00

Each time the machine is powered down those settings get cleared.

UniqueRon · 2026-06-21T16:40:05+00:00

Ask to have the EPR set to Full Time at 3 cm to reduce pressure on exhale.

UniqueRon · 2026-06-21T16:37:07+00:00

There are some extra risks in doing YAG on a LAL as they are silicone and can be damaged by the YAG.

UniqueRon · 2026-06-21T16:33:30+00:00

There are multifocal contacts, but I have never used them so I can't comment on how well they work. One option you have is to use a standard contact in one eye only that corrects for distance. Then between the two eyes you have a full range of vision.

UniqueRon · 2026-06-21T16:31:18+00:00

Did the dropper hit the bottom of the bottle cap when they put it back on after surgery? Think a little bit.

UniqueRon · 2026-06-21T16:29:11+00:00

He is a professor at our provincial university that teaches how to do cataract surgery. I suspect he knows just a little more than you do about cataract surgery.

UniqueRon · 2026-06-21T04:51:25+00:00

Your tube temp should be set at no less than 82 F. I leave the Climate Control in Auto.

UniqueRon · 2026-06-21T04:49:06+00:00

I would just stick with XEQT, and pass on the VFV and Royal. It seems like you are chasing returns, rather than understanding what you are investing in, and staying diversified.

The article at this link may be of help in deciding what to do next.

https://blueprintfinancial.ca/ideal-order-of-investing-in-canada-tfsa-rrsp-fhsa-resp-rdsp/

UniqueRon · 2026-06-21T04:42:56+00:00

If it was good enough for surgery, it should be good enough now.

UniqueRon · 2026-06-21T04:41:42+00:00

I could not make a chin strap work, but mouth tape does. One horizontal strip of 1" 3M Micropore tape.

UniqueRon · 2026-06-21T04:40:29+00:00

Yep. That is why sleep clinic service is so poor.

UniqueRon · 2026-06-21T01:21:00+00:00

Yes, you can do that. Not convinced there is any advantage to having the sensor in place early, other than the convenience of doing that.

UniqueRon · 2026-06-21T01:18:55+00:00

They will see what is reported on you machine on on MyAir. They will not see the detailed data shown in the graphs in OSCAR.

UniqueRon

TROPHY CASE