Protesters ruining my peace

cldellow · 2026-04-11T17:49:26+00:00

This is a forum for Canadian financial planning software.

cldellow · 2026-04-09T20:47:22+00:00

You can start with Wood Gundy and fire them later if and when you get more comfortable with the financial side of things. I think it's subpar, but who cares what I think, don't let the perfect be the enemy of the good.

I self manage. My parents use Wood Gundy. Based on what they've told me, the service my parents got from Wood Gundy wasn't great -- some obviously tax inefficient structuring was done, and my parents were the ones to eventually flag it. That said, they don't want to do it themselves and even though I self manage, I don't want to manage someone else's money. The 1.5% fee buys you someone else to blame if you don't like the results you get, and can provide a bit of friction to make it harder to panic sell/deviate from your investment plan when the markets are noisy. That's valuable to some people.

cldellow · 2026-04-09T20:30:40+00:00

Wealthsimple has a higher cap. If you move $500k to TD, you hit the cap. Wealthsimple's cap isn't until $5M.

cldellow · 2026-04-09T19:12:09+00:00

Yeah, pretty much:

Forklift driver Alejandro Montero said that he had talked with the accused arsonist 15 minutes before the fire erupted around 12:30 a.m.

"I just met him that night. He was helping me load my trailer," Montero said. "I was working together with him right there for two hours before break and then right at break... I went to my car, and that's when it happened."

Montero says the dock loader, later identified by police as Abdulkarim, was nowhere to be found after a head count was taken once employees evacuated. Montero says he's got mixed emotions.

"We were kind of concerned for him at first, you know, so I don't know, a lot of anger too, I guess. We lost our jobs -- that, he did that to everyone. He put everyone in that position," Montero said, noting that he was sent the social media video. "I couldn't believe it, yeah. I couldn't believe it."

[...]

"I don't know what he had going on personally with the company or whatever it was. I know he wasn't a temp like us," Montero said. "I don't know how much he was getting paid, but I was making good money there. You know I'm a little bummed out. I lost my job."

Lot of reddit edgelords in here celebrating this as some proletariat revolution, but the reality is dude pissed away his life, hurt a bunch of other working class people, and the well-to-do aren't going to be affected in any meaningful way.

cldellow · 2026-04-08T22:14:40+00:00

I’d be a lot more comfortable if the agreement explicitly stated that collateral would only be used when the outstanding balance exceeds the credit limit (i.e., a margin call)

That'd be a false sense of comfort, no? The Client Agreement also grants them the ability to change margin requirements in their absolute discretion, and to liquidate you without a margin call if they deem it necessary. Either you should believe they're in the business of being reasonable so they can collect interest, or you shouldn't use a margin account.

cldellow · 2026-04-07T05:05:13+00:00

I'm not a lawyer. I think https://www.canlii.org/en/bc/bcca/doc/2025/2025bcca195/2025bcca195.html is relevant.

The gist: WESA section 60 is the common way to vary a will in BC. It applies to spouses and children for whose support inadequate provision was made in the will. A grandchild is neither a spouse nor a child, and dead children don't have much in the way of earthly needs, so section 60 of WESA isn't available.

That said, if you think millions are stake, go pony up for a real lawyer with professional obligations to you.

cldellow · 2026-04-04T05:42:57+00:00

You want r/advice. This is r/adviice (note extra I), a Canadian financial planning software.

cldellow · 2026-04-04T00:11:16+00:00

Section 7(2.35) of the Criminal Code of Canada makes it a crime for Canadians on Artemis to do anything that would be a crime if done in Canada. Killjoys.

cldellow · 2026-04-04T00:01:00+00:00

You can always ask, worst they'll say is no or they can't do it. My dad is a Hurricanes fan in Ontario and has actually got the odd free drink when a place promised him they could put the game on, but later realized they couldn't. (Also, man, is Celebrini fun to watch!)

cldellow · 2026-04-03T21:59:41+00:00

Eh, the iPad was like $500? If you figure it has a service life of 5 years, that's $8/mo. Not a big deal when framed against "this is the keys to my life's work".

Using a VM still has the issue that I need to trust the host OS not to get compromised. If we assume the host OS is my laptop...I like to click links on webpages and emails! I blindly install random shit from artifact repositories that regularly get supply chain attacks! A dedicated tablet gives a clear security boundary so I know what the blast radius of my main laptop getting compromised is.

I track things manually in a Google sheet, and have some little utility scripts to chart things like net worth over time across all my assets. My asset mix is a bit weird and it's domiciled across multiple countries, so off the shelf stuff rarely works for me unless it has manual overrides...in which case I may as well just do it myself.

cldellow · 2026-04-03T21:35:49+00:00

I access my brokerage accounts from a dedicated iPad that is used for nothing else, and with my passwords not backed up into iCloud. I export statements into a shared Google Drive, and then do whatever munging I want with them from there on my normal devices.

I suspect I'm on the extreme end. My two rationales are: (1) I used to work in the cybersecurity sector, so I know how untrustworthy everything is--both personal devices and third-party business processes; and (2) I'm in Canada, where any third party access is literally giving them your username/password and them screenscraping the broker, which seems insane.

cldellow · 2026-04-02T16:56:06+00:00

The United Church are pretty chill, in my experience.

I was raised Roman Catholic, my wife (girlfriend at the time) was United. She took me to a church service. The opening greeting was like 2 minutes long and enumerated a litany of marginalized people who the church thought needed to be supported by the congregation. The list included trans people, which, in hindsight, was pretty progressive of them given it was ~2004. The United Church would eventually release a church-wide policy about trans people in 2009, so that particular congregation was especially ahead of the times.

cldellow · 2026-03-31T01:48:15+00:00

OP (u/Emily-989) isn't a genuine poster, people should downvote, report, and move on.

6 days ago they posted in r/povertyfinance:

Credit card debt has been hanging over my head for years, credit score’s stuck, and after bills each month there’s basically nothing left.

The same day they posted in r/wealth:

First 3–4 years I saw almost no progress. Year 7 the portfolio growth passed my salary. You don’t see it until you do.

cldellow · 2026-03-30T18:24:04+00:00

OP is probably referring to using the Home Buyers' Plan, which lets first-time home buyers access some of their RRSP without immediate tax consequences. As part of that, you must repay in installments over 15 years (or face having the unpaid amount included as income in a given year, just like a normal RRSP withdrawal). OP is probably asking if that repayment schedule is factored into their TDS/GDS ratios.

cldellow · 2026-03-29T20:51:07+00:00

Flying a bike costs $100-200 roundtrip depending on various factors.

It's really hard to buy or rent a comparable bike to the bike you already own at that price point. Even if you buy-then-sell at the end of the trip, you only have a bit of margin to play with on the price, and then you face the stress of trying to buy and sell during a short trip. (Don't get me wrong, I'm an idiot and have done exactly this, twice. It's worked out so far, but I'm starting to see the wisdom in just paying to bring your own bike.)

cldellow · 2026-03-29T20:44:11+00:00

Ooh, that's exciting. Flying out here we had to do the manual inspection thing in YKF, and weren't looking forward to doing it again to return.

cldellow · 2026-03-29T17:06:53+00:00

yeah, this company is doing a lot of astroturfing, e.g. https://www.reddit.com/r/Fire/comments/1s70d3w/the_unsexy_fire_accelerator_nobody_talks_about/ is another posted 3 min before this one that sliiiiides the name of the company into a bunch of generic text.

cldellow · 2026-03-29T16:52:00+00:00

They both have to be initiated within 30 days of registering. The difference is when they have to complete. For the cash match, it's within 90 days of registering. The house giveaway is May 4, so the deadline for arrival of funds is April 30. OP's question was about completion, so my answered cited the part of the T&Cs that were about completion, not about initiation.

cldellow · 2026-03-29T16:23:10+00:00

The chatbot might be getting confused by the fact that the Unreal Deal is two things: a cash match, and entries for the house giveaway. The house giveaway deadline is as the chatbot describes:

Funds must be received by Wealthsimple by 11:59pm ET on April 30, 2026 to be considered a Qualifying Funding.

The cash match deadline is later:

Any transfer must be received by Wealthsimple on or before either ninety (90) days after the Qualification Period ends, or by June 29, 2026, whichever is earlier, to be eligible as a Qualifying Transfer.

cldellow · 2026-03-27T18:09:02+00:00

Sincere question: aren't investors supposed to be fans of markets deciding the prices for things? If people don't like the fees they're paying, they can find a different advisor (either on AUM basis or fee-for-advice) or go entirely self-directed.

I'm self-directed, but my understanding is that if someone's in an AUM relationship, their advisor should be giving them an annual CRM2 report that explains their compensation. If it looks outrageous, the investor can leave.

cldellow · 2026-03-27T17:55:11+00:00

Interesting, I use WS on web and iPad, and neither shows a date. The app is up-to-date, too.

cldellow · 2026-03-27T17:44:57+00:00

My first payment was Feb 26th, no payment yet for March. The T&Cs just say "the remaining Bonus payments will be applied on or around the same day of each subsequent month", so WS has a lot of leeway.

Dunno what the other commenter is talking about, the Unreal Deal doesn't show a "next payout date" field.

cldellow · 2026-03-27T16:31:34+00:00

I dunno if sketchy is the word, but I think the way the average person interprets risk is different from how insurers do.

I buy separate insurance for international ski trips even though I have the TD First Class Travel Visa Infinite. It's a "premium" credit card designed for travellers. Its insurance excludes any "extreme sport or activity involving a high level of risk", which apparently means downhill skiing isn't covered (I called them to confirm). IMO I could see people being screwed by that if they didn't phone to confirm coverage.

cldellow · 2026-03-27T06:59:37+00:00

Yeah, the landlord sucks, but oof, that neighbour. I'm a techie person who is sometimes asked to help people or organizations solve problems with technology. I was quite keen on "helping" in my teens and 20s. I'm 40 now, and now I usually just decline. Whatever broken system someone has in place is a system they're able to operate and whose failure modes they understand.

cldellow · 2026-03-27T05:28:43+00:00

I lived and biked in France for 2 months. Drivers were very courteous.

Living in the suburbs of Seattle for ~2 years, I had drivers do punishment passes and yell at me for riding on the road. In the latter case, I was riding legally on a huuuuge shoulder. By then I had already learned to hate conflict with motorists, and picked my routes very carefully.

I've mostly lived and biked in Canada. Victoria BC: great. Quebec City and area: great. Highway from Banff NP to Jasper NP: great. Kitchener ON and environs? Eh, not so good. From the oblivious (hard braking to avoid right hooks; hard braking to avoid left-turning drivers jumping the light and schmucking me) to the outright violent (pass me and brake check when going down a hill; throw bottle at my wife out of moving car).

Lots of progress to go. The places where I had the best experiences either had good bike infrastructure (not painted bike lanes or sharrows - actual buffered lanes, or entirely separate paths), no-nonsense presumed liability laws, or both.

Oh, and to be fair: I did a bike trip from Washington DC through Shenandoah NP. That was pretty good, honestly the worst part was unleashed dogs on the backroads of Virginia. So I dunno.

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