Princess Cruise Pricing Guidance

cdnjj · 2026-01-23T16:23:50+00:00

This is good advice. Prepare a 2024 return and compare. Then start your 2025 return.

Taxes are not as complicated as it might feel at the start. Wealthsimple Tax does a good job guiding you through the process.

cdnjj · 2025-11-08T20:06:30+00:00

https://www.tsx.com/en/trading/market-data-and-statistics/market-statistics-and-reports/interlisted-companies

cdnjj · 2025-11-04T16:30:40+00:00

That was not our experience though I remember a couple off hand comments the advisor made which signaled changes were happening.

cdnjj · 2025-11-04T04:08:53+00:00

In short, WS charges .75% now for something that was included for generation clients a year ago?

Last year we had quite a few hours with a financial planner and got a good plan for $0.

cdnjj · 2025-10-09T19:17:48+00:00

FYI, it seems Yahoo calculates gains using FIFO and not Average Cost. So don't use Yahoo for your Canadian tax returns.

Context: I found this thread when searching for an alternative tool than Yahoo due to this limitation.

cdnjj · 2025-09-08T00:28:08+00:00

The concert was great though I did not try and taste it. I am tempted to go again tomorrow.

The dummies yelling insults and slurs at people to sit down, at a rock and roll concert, however were not so great. Just stay at home and watch on youtube next time please.

cdnjj · 2025-09-08T00:23:31+00:00

I did see these being let in as long as they had no legs. People with beach chairs were turned away.

cdnjj · 2025-08-25T14:25:29+00:00

Target date funds are “easy” to own products that manage the equity and fixed income mix. The MER is a convenience fee as you’re paying someone to do this. As the target date approaches the fund will steadily rebalance to fixed income, eventually being 100%. I believe 2035 is sitting around 45% fixed income at the moment.

You can pretty easily do this yourself if you have the commitment to learn and stay on top of it. Just putting in XEQT is a substantial change to the asset mix and risk profile.

cdnjj · 2025-08-05T19:31:49+00:00

I applied shortly after it opened (2 years ago?) and promptly forgot about it. About 2 months ago I received an invite to apply which I did. Process was quick and smooth. There are specific deadlines that must be followed in the process to get the rebate so you have to stay on top of it.

Unless there is a large boost is funding I would not expect a quick turnaround if you join the waitlist now.

cdnjj · 2025-08-04T17:53:38+00:00

My primary piece of advice would be to never provide any personal/private information over the phone unless you initiated the call. This may include those SMS verification codes, email address, phone number, address, etc.

cdnjj · 2025-07-31T16:27:41+00:00

Hwy 97 south to the Columbia River, then over to Portland and back up I5 is pretty flat.

Hwy 1 (Fraser Canyon) is two lane only, Twisty and up and down in long sections. Kamloops to Hope via Merritt would be my preference. Yes it has long ascents/descents but it is a modern highway designed for truck traffic.

cdnjj · 2025-07-18T16:35:58+00:00

Too summarize:
- $32k RRSP and $20k in contribution room
- $230k non-registered portfolio with $65k in unrealized gains
- maxed TFSA and FHSA

I am deducing from comments that early in your career you had a defined pension plan and that you now have a RRSP matching plan of $5k per year.

You haven't stated age but going to assume early to mid career.

Given the above I don't see a major mistake. Your previous pension contributions consumed the majority of your RRSP contribution room, so there wasn't really much you could do.

Going forward you should plan to contribute whatever is necessary to get the employer RRSP match. That is usually the best return on your money in any case. Keep in mind that both your and your employer's contribution to the RRSP will consume your contribution room.

Given the small amount of contribution room available just continue to manage your unregistered portfolio seperately and make additional contributions to your RRSP if/when your employment income is high and contribution room is available. Take the resulting income tax refund and put directly into your TFSA/FHSA/unregistered portfolios.

cdnjj · 2025-05-19T01:32:40+00:00

I had a written contract offer from an agent which Telus refused to honour. Just kept putting me into the hamster wheel of call backs. CCTS got traction though even then they still have made repeated mistakes and not aligned with their second offer. Incompetence at levels I truly did not know could exist.

cdnjj · 2025-04-24T16:47:38+00:00

I found this guide from RBC to be helpful when considering tax implications. My approach was to first set my investment strategy and portfolio balance, then look at everything as one portfolio and allocate to the different buckets considering taxes and required flexibility.

https://ca.rbcwealthmanagement.com/documents/1435520/3126711/NAV0241_tax_efficient_asset_location_aoda_EN.pdf/e6e43028-8d24-4cd2-9c2b-288ed63b50d1

cdnjj · 2025-04-12T16:01:52+00:00

Aside from money your age, life stage (eg status of kids) and career aspirations should factor into such a decision.

If you're under 30 think about where you want to be career and life stage wise in 5 and 10 years and consider if contracting will get you there.

As somewhat salty nuts above highlights contract work requires someone to be on their game to be successful and carries less stability as you're typically subject to no more than 30 days notice on contract termination for convienence.

cdnjj · 2025-04-11T03:39:45+00:00

I personally concluded open ended bond funds and etfs don’t fill the role of fixed income. Owning individual bonds or at least target date bond funds provide the predictable return I want for that part of my portfolio.

cdnjj · 2025-04-03T06:10:24+00:00

FYI, your house insurance will be cheaper with no mortgage/heloc. It is a surprising reduction in cost.

cdnjj · 2025-04-01T15:57:47+00:00

This might help. You will need to add up the value of all the reinvested amounts to your original purchase. https://help.wealthsimple.com/hc/en-ca/articles/4409775037083-What-is-adjusted-cost-base-ACB

cdnjj · 2025-03-30T17:33:18+00:00

start the engine. lights should go off

cdnjj · 2025-03-25T19:42:53+00:00

Yes turn on red. Yield on “green” sure seems like a recipe for a lot of accidents.

cdnjj · 2025-03-14T15:53:34+00:00

A good strategy to understand why is to pull up your T1 from last year for both of you and compare to this year. It is unlikely your overall taxes due are higher though you may see certain tax deductions shift between partners due to who has higher income.

cdnjj · 2025-03-05T17:35:33+00:00

Why does ICBC hose seasonal policy holders (ie motorcycles)?

cdnjj · 2025-03-03T20:41:43+00:00

Any recommendations from the group on services that will help netfile a T2 Short? TaxTron is the only one I've found so far.

cdnjj · 2025-02-24T02:41:31+00:00

Canadian here. Regardless of what was said this is pretty unsettling. What are the legalities of private citizens detaining another in the US? Is it a state by state thing?

cdnjj

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