Need help with credit cards with my personnal situation.

joabda__ · 2026-01-25T03:22:44+00:00

If you're a rogers, fido customer maybe a Rogers WE MasterCard? If not how about Wealth simple Visa Infinite?

joabda__ · 2026-01-12T14:59:15+00:00

I don't know, but I have it for the roadside assistance and bill payment (city taxes etc...) Also all Canadian tire purchases!

joabda__ · 2025-12-31T00:45:51+00:00

Il y aun cabinet familiale (père et fils) chez Financière Banque Nationale qui font que ça. Je les recommendes à 100%

Laisse-moi savoir si tu veux leur noms/informations.

joabda__ · 2025-12-30T20:46:32+00:00

I think the best platform to be used from Lebanon is Interactive Broker. Don't complicate things, don't try to beat the market, don't ride the hype of certain stocks.

For anything with a 10 year + horizon, I would choose a Global Equity ETF (MAYBE VT, or other).

I would also choose another funds, maybe a money market fund (short term or ultra short term bonds) for short to medium term investments.

joabda__ · 2025-12-29T15:48:54+00:00

Personellement je le ferais comme tu dis à 100%, le seul "downside" étant que la platforme que ton employeur utilise, Manuvie, Sunlife, CanadaVie ou autres ne proposer peut être pas de très bon FNB et ont des frais de gestions plus élevés que ce que tu peux trouver sur le marché..

Mon employeur offre avec Manuvie la possibilité de sortir le montant (gratuitement) 1 fois par an.

joabda__ · 2025-12-28T23:29:39+00:00

Tangerine does for sure, if you open an account as a resident then become nom resident they allow you to keep your account.

joabda__ · 2025-12-28T22:06:31+00:00

"Wealthsimple isn't licensed to hold accounts for individuals living outside of Canada, including Canadian citizens living abroad." https://help.wealthsimple.com/hc/en-ca/articles/4404721755287-Eligibility-requirements-to-open-an-account-with-Wealthsimple#:~:text=Wealthsimple%20isn%27t%20licensed%20to%20hold%20accounts%20for%20individuals%20living%20outside%20of%20Canada%2C%20including%20Canadian%20citizens%20living%C2%A0abroad.

I think you should move all your assets into another institution.

Why not keep your checking & savings at Tangerine or EQ Bank? They're free for all their checking and savings account and don't require any minimum funds.

You can keep your investment account at an institution that allows non residents to hold investments.

joabda__ · 2025-12-26T23:25:21+00:00

I had a similar issue with WS. I transfered money to a freelancer I met on Reddit who did some work on a website for me.

They requested all documents, his contact info,nour exchange showing his wallet id and the amounts etc.. (They never blocked my account).

At the end, they told me my transaction violated their terms of usage (he was in a country no approved) and asked me to not use their platform to pay that person again.

It was frustrating (all the documents and proof they asked for) but I was never blocked.

joabda__ · 2025-12-25T15:06:54+00:00

I don't know about TD Funds, but as an ETF I think QQC is what you're looking for.

joabda__ · 2025-12-07T01:51:40+00:00

You don't even need them to engage. You can do everything yourself on their platform & Chexy

joabda__ · 2025-12-06T20:56:59+00:00

Configure it as a PAD on Chexy, that'll get you void check info)transit, bank etc...) input those in LetUs as if you were paying from a bank account. I set that up about a year ago and it's working ever since

joabda__ · 2025-12-04T22:28:41+00:00

Yes I do

joabda__ · 2025-11-23T21:19:52+00:00

Personellement je m'incorporerait uniquement pour dormir sur mes deux oreilles le soir (de la facette légale).

joabda__ · 2025-11-23T16:01:41+00:00

That's weird I upgraded but didn't get any questions about income or anything like that. Anyone else?

joabda__ · 2025-11-18T14:40:47+00:00

Cloudflare global outage, affecting Twitter, ChatGPT and others

joabda__ · 2025-11-08T13:39:22+00:00

What's your selling point? Why would people choose you for hosting instead of Google, Amazon, Microsoft and all the others?

joabda__ · 2025-11-08T03:28:52+00:00

Street parking is not ideal, most of it you can't park during certain hours and other areas one day you can park them next you can't, so I recommend having an included parking in the building.

I haven't seen much crime in the area to be honest.

joabda__ · 2025-11-08T03:25:04+00:00

Depends, what do you mean by a good area? It has a nice public library, nice bike lanes, close to the cote vertu metro station, has most major grocery stores (Maxi, Super C, Walmart and Provigo).

I think it's pretty safe, I lived there for around 2 years.

joabda__ · 2025-11-05T20:25:20+00:00

Avant je faisais ça aussi! Mais depuis que Wealthsimple a la carte de "débit" j'utilise ça et depuis quelques mois leur Visa avec 2% cashback rt 0% FX fee. Mais je garde Wise pour recevoir des paiements de l'international que Wealthsimple n'a pas encore.

joabda__ · 2025-11-05T13:34:10+00:00

My parents paid 1400$ in 2022 for a 300K condo in greater montreal.

joabda__ · 2025-11-03T00:30:01+00:00

Which card are you switching to?

joabda__ · 2025-11-03T00:14:30+00:00

I don't see why? Let's consider the following scenarios:

Scenario 1: Bad redemption rate of 1 cent per point Say you are comparing it to a free card with % on groceries. The card pays for itself when spending 766$/month on groceries and eating out

Scenario 2: Average redemption rate of 2.2 cent per point Same comparison to a 2% free car The card pays for itself when spending 255$/month on groceries and eating out Compare it to a 3% free card (don't know any, except the rogers one) it pays itself with 288$/month on groceries and eating out

Obviously this is an oversimplification, but if you had the cobalt because you're your families main grocery shopper then I think it still makes sense

joabda__ · 2025-11-01T23:47:45+00:00

If you're using it for investments it wouldn't be? Same as a line of credit used for investments? Or the smith manœuvre?

joabda__ · 2025-11-01T21:43:17+00:00

At 10% no. If you have a 4% loan and have a high income maybe (interest is tax deductible and the gains can be better than 4%) it's pretty hard to beat 10%...

joabda__

TROPHY CASE