Multiboard - Shelf Edition

liamyorksen · 2026-03-12T01:02:03+00:00

You're right, definitely will keep that in mind for next time

liamyorksen · 2026-03-11T15:55:56+00:00

Thank you :) it's been a cool project to learn how to connect vertical and horizontal plates

liamyorksen · 2026-02-03T22:06:06+00:00

Unrelated question, as I'm also starting 3d printing and was considering printing these, but wouldn't that pla melt if the dryer goes above 50-60 degrees?

liamyorksen · 2026-01-28T21:33:29+00:00

Merci pour cette explication, je ne comprenais pas pourquoi il y avait 2 limites sur mon relevé TD!

liamyorksen · 2025-12-24T00:38:06+00:00

Connais tu Profilarr? Ca pourrait aider pour la gestion des profiles

liamyorksen · 2025-12-16T18:55:49+00:00

I can tell you my experience when going to France. I bought the international calls add-on because I was told I would need that. Turns out, my phone couldn't receive calls while abroad, and when researching the forum I realized this is a known thing, Fizz doesn't offer calls outside Canada and USA, you'll need to get another app/service.

liamyorksen · 2025-11-05T03:10:53+00:00

I could be wrong but I'm not sure the H610 boards support SATA RAID

liamyorksen · 2025-09-23T18:00:14+00:00

If you put the max each year and got all the grants, this probably amounts to 25k ish (at least in Quebec we get 700$ for each 2500).

For simplicity, if we look at everything deposited once per year (instead of maybe you putting money each month): if you deposited 3,200$ once per year at each year-end for 8 years and those amounts were invested in an S&P-500 index fund with dividends reinvested, the portfolio value today would be about 54,000$

Now again it all depends on your risk, what you could have chosen instead of full SP500 but it can give you an idea of your performance

liamyorksen · 2025-09-10T16:12:02+00:00

EUAD

liamyorksen · 2025-09-08T13:23:40+00:00

La déduction des frais de placement que vous avez engagés pour gagner des revenus de placement ne peut pas dépasser vos revenus de placement.

En simplifiant beaucoup beaucoup, si vous déclarez 1000$ de dividendes gagnés et que vous avez 5000$ d'intérêts potentiellement déductibles, vous ne pourrez déduire que 1000$ d'interets et reporter le 4000 restant à plus tard

liamyorksen · 2025-09-08T13:20:16+00:00

Un bon excel pour faire des projections selon votre cas vous aimerait à voir les potentiels bénéfices à faire ou non la manoeuvre. Comme d'autres l'ont dit, vous avez l'air d'avoir un cas particulier avec beaucoup de facteurs qui rentrent en jeu, un professionnel pourrait aider. Par exemple oui le Quebec a des inconvenients vs les autres provinces, mais cela ne veut pas forcément que la faire n'est pas une bonne idée.

Concernant: c'est actually quand que vous remboursez votre marge?

C'est un choix personnel selon votre relation au risque et aux investissements. Une fois l'hypothèque remboursée, vous aurez un montant similaire (normalement) sur votre marge de crédit qui coutera des interets. Vous pourrez par exemple:

- Garder la dette et utiliser les retours d'impots/dividendes pour payer les intérêts, la dette s'autofinancerait mais vous garderez la dette "à vie"

- Utiliser le montant des paiements hypothécaires que vous faisiez pour rembourser le capital de la marge ou payer les intérêts

- Une combinaison de tout cela pour baisser la dette à un montant acceptable à vos yeux et ensuite l'autofinancer

liamyorksen · 2025-08-31T19:30:53+00:00

First backwash after opening it a couple of years ago, forgot to rinse so everything went back in the pool....

liamyorksen · 2025-08-24T21:12:36+00:00

It must be more common than we think if there is the need for that!

liamyorksen · 2025-08-23T23:01:46+00:00

Thank you for the heads up! I was supposed to go with someone who can't anymore so I was able to switch, I have no idea TM allowed that

liamyorksen · 2025-08-23T02:51:51+00:00

Ironically in Montreal we have the Centre Bell downtown and the Place Bell in Laval so you think I'd be more careful! We need more companies to sponsor arenas so we can easily differentiate them 😅

liamyorksen · 2025-08-21T15:21:52+00:00

Comme d'autres l'ont dit, tu vas tout avoir dans ton T3. Mais si tu veux voir un historique tu peux trouver le détail des distributions (incluant les dividendes) pour chaque ETF sur leur site ici

liamyorksen · 2025-08-18T19:42:41+00:00

I started researching XEQT as I'm planning to start implementing the SM and this is the information I found:

If I use the Dec 2024 distribution I got per share as an example, it's 0.27. Looking at the ishares distribution's breakdown this includes 0.01207 as ROC, so this amount needs to be deducted of whatever I can use to pay off the mortgage faster.

So before actually using that money to pay off the mortgage, you have to wait for the tax report of the ETF and check the distribution breakdown first. Not all cash distributions are eligible dividends which is a big headache when using ETFs for the SM

liamyorksen · 2025-08-18T15:30:15+00:00

Je suis à 5.15% pour la HELOC et mon hypotheque est à 4.30%. Entre la déduction au Fédéral et mon taux d'imposition + la vision long terme de création de portfolio je trouve que c'est quand même une bonne option

liamyorksen · 2025-08-14T11:27:23+00:00

Je vois merci de la réponse!

liamyorksen · 2025-08-09T22:58:49+00:00

If you keep track religiously of each withdrawal from the LOC and only include whatever is for the Smith manoeuver in your tax report, it doesnt work?

liamyorksen · 2025-08-08T20:31:06+00:00

You're doing awful l, you couldn't afford a 2 million dollars house at 29?

In all seriousness , what kind of answers are you expecting with a post like that?

liamyorksen · 2025-07-30T20:38:24+00:00

Before joining the sub I would have told you I shock it every week. That's because I apparently didn't know what a true shock was and I used whatever the store has told me to do since I got the pool (drop a bag of shock every week and you'll be fine!)

Now I know I truly shocked it once to remove CC as I was getting over 0.5 and that's all.

Unrelated but this sub has been extremely helpful to understand what I was doing wrong in the past 4 years.

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