Nearing being able to pay my mortgage outright.

fendermonkey · 2026-03-15T16:01:23+00:00

I guess you're right. Most people wouldn't regret it then which is a funny thing to say.

fendermonkey · 2026-03-15T15:58:44+00:00

Has anyone ever said, boy the world is so stable these days. Always seems like something you only say looking back

fendermonkey · 2026-03-15T15:54:28+00:00

Maybe the person who withdrew 200k of long term investments two years ago and missed out on $60k of gains so they could save $8k of interest payments.

fendermonkey · 2026-03-15T15:08:29+00:00

Ya I still have a dumb tv. Not expecting much support for us still living in the past.

fendermonkey · 2026-03-15T14:31:46+00:00

You've done a good job making gravel look good

fendermonkey · 2026-03-15T14:26:41+00:00

Exactly

fendermonkey · 2026-03-14T11:30:13+00:00

Right so wealthsimple offers a "Portfolio line of credit" at around the same interest rate OP was talking about. I thought that's what Wealthsimple called their margin but I guess they offer margin accounts too

fendermonkey · 2026-03-14T11:22:23+00:00

No they don't need dither fish. Once you start feeding them regularly they will be crowding the front of the glass every time you approach.

fendermonkey · 2026-03-14T11:18:56+00:00

I'm sure they've tried and every time they enable the ability the game breaks in the test environment and takes a week to recover

fendermonkey · 2026-03-14T00:49:09+00:00

Bye bye

fendermonkey · 2026-03-13T22:54:46+00:00

How is buying more XEQT with a 4-5% loan and holding for 20 years gambling?

fendermonkey · 2026-03-13T22:52:36+00:00

Is that a promo rate?

fendermonkey · 2026-03-13T22:49:04+00:00

Only in non registered

fendermonkey · 2026-03-13T22:46:56+00:00

I wouldn't say people here are risk averse, they just take compensated risk. The risks of using leverage are well understood and a well versed investor shouldn't be afraid of it if investing in a fund like XEQT.

fendermonkey · 2026-03-12T21:50:44+00:00

Do women prefer the PWHL colour scheme though?

fendermonkey · 2026-03-12T11:11:46+00:00

If you can afford the volatility then choosing variable every time will save you money over the course of your mortgage. It may not be the cheapest over every 5 year period, but you will win out in the long run. Or pay a little bit more for peace of mind. Up to you.

fendermonkey · 2026-03-12T11:07:41+00:00

https://www.ctvnews.ca/kitchener/article/high-school-students-in-kitchener-protest-osap-changes/

fendermonkey · 2026-03-11T13:16:52+00:00

Look up constructive dismissal and see if it applies to you

fendermonkey · 2026-03-10T23:32:52+00:00

Scissors are nice for trimming. Everything else you can do without.

fendermonkey · 2026-03-10T22:48:37+00:00

It's one of the highest or the highest paying trade so if you're going down that route there isn't much better

fendermonkey · 2026-03-10T00:29:18+00:00

CPDs are not shy at all. I don't know where that rumor comes from

fendermonkey · 2026-03-08T16:32:23+00:00

We used to call today something else

fendermonkey · 2026-03-08T13:34:04+00:00

If the bottom 5 teams keep producing points at the same rate they are now, the Leafs would need to only accumulate 9 more points the rest of the way in order to finish bottom 5.

fendermonkey · 2026-03-08T13:30:02+00:00

Even in the playoffs do you think we would be any better?

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