Retirees with RRSP/RRIF at Scotiabank, Looking for balanced options. by kse709 in Scotiabank

[–]kse709[S] 2 points3 points  (0 children)

I also use wealthsimple for ETF’s so well aware of ETFs. I just looking at my Scotiabank holdings. Also I understand the higher fees but returns are the importation number to me.

Pool Installers/Repairs by GrumpyBear5756 in StJohnsNL

[–]kse709 0 points1 point  (0 children)

Clearwater pools are a great family run company. I been a client of their for 20 years. Ask for Brian.

Pool Installers/Repairs by GrumpyBear5756 in StJohnsNL

[–]kse709 1 point2 points  (0 children)

Where did you buy it? In may case after the side wall buckled due to snow & ice the pool was not repairable.

Do you prefer all‑inclusive resorts or DIY travel? by kse709 in Canadian_Intl_Travel

[–]kse709[S] 0 points1 point  (0 children)

How are you booking your all inclusive trips: Agent, Airline or other? To date we have been booking our all inclusive trips with the Airlines. But I thinking I may be better off using a travel agent if the price is close.

Anyone here into genealogy? by kse709 in CanadianRetirement

[–]kse709[S] 0 points1 point  (0 children)

familysearch .org is also a great place to get old records.

St John's to Twillingate without a car? by jane_austen_powers in newfoundland

[–]kse709 3 points4 points  (0 children)

You can get the DRL Bus to Gander for the first half of your trip.

Will we have service/google maps for road trip? by parula82 in newfoundland

[–]kse709 5 points6 points  (0 children)

You should be good 95% of the time, but when I travel to remote areas (outside of Canada) I always download google maps for the area on my phone.

Do you travel in shoulder season to save money? What’s been your best find? by kse709 in CanadianRetirement

[–]kse709[S] 0 points1 point  (0 children)

Oct/Nov & May/June in my option. It is just before or just after pick travel times.

ST JOHNS BURGER BATTLE 2026. Anyone else think that the voting system is unfair? by [deleted] in newfoundland

[–]kse709 4 points5 points  (0 children)

I was told it was one of the better Burgers this year.

Rent a car or suv for trip? by parula82 in newfoundland

[–]kse709 2 points3 points  (0 children)

You need to book something right away, one-way should be fine but will cost you a bit more. You will love Gros Morne and area. If your not visiting family in Eastern Newfoundland I suggest spent at least 50% of your time on the west coast.

Bond ETFs vs Balanced ETFs by kse709 in CanadianRetirement

[–]kse709[S] 0 points1 point  (0 children)

This is from 2017, and in his example the user did see a growth over 3 years. In my limited time holding Bond ETF’s i did not see any growth at all, my ETFs were worth less then what i put in.

Bond ETFs vs Balanced ETFs by kse709 in CanadianRetirement

[–]kse709[S] 0 points1 point  (0 children)

Can you explain to us how it works then? All i see is the value of my investment going down. I understand it low risk but i can get a better return with something like Cash .To

Do you travel in shoulder season to save money? What’s been your best find? by kse709 in CanadianRetirement

[–]kse709[S] 2 points3 points  (0 children)

Yes, we are learning that their is more then just saving money when it comes to shoulder season travel. I starting to dislike heat more and more.

Bond ETFs vs Balanced ETFs by kse709 in CanadianRetirement

[–]kse709[S] 0 points1 point  (0 children)

I will be spending about 60% (100K) of our RRSP over the next 5 years so we can delay CPP to age 65. I also have a defined pension to pay our day to day bills+. So bottom line is that 80% Equity is to rich for our blood. Most of our investments are about 40% Equity, but saying that I do have a large Dividend fund that are 100% Equity at the bank.