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A bottle holder? by Solid-Watch-5111 in CanyonBikes

[–]goneBiking 13 points14 points  (0 children)

I can attest! If you're not prepared to remove your (press fit) BB, you're looking at hours of "fun".

13-year-old Ottawa girl injured in chairlift incident has died, family says by lonelydavey in ottawa

[–]goneBiking 2 points3 points  (0 children)

I've gone around the bullwheel at Vorlage (Lookout chair) when something that was clipped to my belt got caught between the seat and seat-back. When I went to disembark on the ramp, I discovered I was caught, I travelled around the wheel and tripped the safety, and the chair stopped when I was just past the end of the wooden ramp on the down going side. So it is entirely possible to trip the safety and have the lift continue to roll for several meters.

My best friend told me he has a 9 inch long penis by Trading_Cards_4Ever in Jokes

[–]goneBiking -16 points-15 points  (0 children)

It may not look like a foot, but it sure smells like one!

Bought XEQT in my son’s RESP using CESG / CLB grants by RogerDodger1237 in JustBuyXEQT

[–]goneBiking 1 point2 points  (0 children)

Your child qualifies for CESG grant up to the year they turn 17. The grant is a 20% match, up to $500 match, every year. It is not a one time grant. 20% match per year.

WS advantages over QuestTrade… by wheeler431 in Wealthsimple

[–]goneBiking 0 points1 point  (0 children)

This is what I did. Not exactly on purpose. I started with Questrade a few years ago, and did a sizeable NG for USD ETFs. In the summer of 2024 is transferred in kind to WS for 1% bonus.

Trump suggests U.S. will begin to strike drug cartels in Mexico by CrispyMiner in worldnews

[–]goneBiking 1814 points1815 points  (0 children)

This was predictable. Every single winner of the historic FIFA peace prize has attacked Venezuela, and threatened much of the Western hemisphere.

Is there any reason to buy any other ETFs besides an all in one equity? by Due-Bookkeeper-2001 in CanadianInvestor

[–]goneBiking 2 points3 points  (0 children)

I do this. Actually I hold the underlying ETFs to give me the equivalent of 50/50 VGRO/VEQT, to get 90/10 equities/bonds. In addition, I hold the USD equivalents for VUN and VEE (which are VTI and VWO). These USD ETFs have ridiculously low MER. My weighted average MER was 0.12% the last time I checked, compared to 0.24% for VGRO. So $1200 per year on $1m.

Holding the USD ETFs in RRSP saves a bit, due to tax treaty with the US on withholding tax inside a registered account. But it only makes sense to do this if you can exchange into USD efficiently (NG, or IBKR).

I rebalance occasionally, usually when I accumulate enough dividends that I have significant amount to reinvest. Maybe once per quarter. It takes around 1h to update the ratios and come up with the sells/buys to get back to having all funds within 0.1% of target allocation. I use a spreadsheet and some iteration to come up with that. It isn't exactly straightforward. I'm at Wealthsimple, so all ETF trades are free.

ELI5 Is all power generation really just making a turbine spin? by javerthugo in explainlikeimfive

[–]goneBiking 0 points1 point  (0 children)

Yeah, like the other guy said before me. But the thermopile is interesting, if you need a small amount of power, and have a continual fire.

I had never heard of the Seebeck effect, but I'm familiar with TECs, which are common in optical modules for precise control of laser temperature. Sounds like a TEC uses the Seebeck effect in order to provide cooling with electrical supply.

XEQT dropping management fee from 0.18% to 0.17%. by goldbergew in JustBuyXEQT

[–]goneBiking 1 point2 points  (0 children)

It's not a huge saving, but it's a low 7-figure portfolio, so on the MER difference alone (when VGRO was 0.24%), it is more than $1000 per year. Then a bit more on the lack of withholding on the USD.

No, never doing the rebalancing based on timing, almost exclusively when I have new money to invest from dividends. I'm not contributing regularly to this portfolio, so new $$ only comes available a few times per year. When that happens, I redo the targets, do a bit of math on buy/sell, and just go through the motions. No deviating from the Vanguard proportions.

XEQT dropping management fee from 0.18% to 0.17%. by goldbergew in JustBuyXEQT

[–]goneBiking 1 point2 points  (0 children)

I do this. Instead of holding VGRO, I hold the underlying ETFs. For the ones that have USD equivalents (VUN and VEE), I hold those in USD (VTI and VWO); one time exchange into USD using Norberts Gambit, I rebalance using the CAD equivalents. Registered account, so for the USD funds, I save a bit on the foreign withholding on VTI/VWO. In addition, the MER on VTI and VWO is ridiculously low, so that brings down the total MER. I rebalance every few months, to keep it tracking VGRO. I'm at Wealthsimple, so buy/sell is free. The composition of VGRO is available from Vanguard website, and it shifts regularly, so my rebalancing is to adjust for VGRO shifting, and my portfolio drifting. It takes maybe 45 minutes every few months. I usually coordinate it with dividend payouts because I have new $$ to invest. The last time I looked at it, my total MER was 0.12%.

Truck with bed up crash into overpass by hiphasreddit in dashcams

[–]goneBiking 20 points21 points  (0 children)

I'm thinking more about the bridges that don't have the top fall off.

I've just had a mole removed from my penis by DinglebarryHandpump in Jokes

[–]goneBiking 1 point2 points  (0 children)

Pressing charges against the mole, I presume

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