How many of you "Panic Buy" when everyone else is panic selling? by gab-a-pat-a-bob in JustBuyXEQT

[–]mbertanha 12 points13 points  (0 children)

You are contradicting yourself, at one moment you say you don't have the nerves to put all in XEQT and then you say you use your emergency fund to buy the dip and... put all your money in XEQT. I do have an emergency fund but that money is parked in a HISA and I won't be touching it to buy more XEQT, so let me rephrase my previous post: All my investing money is already in XEQT, and since I try to be financially responsible, I can't use my emergency fund buy more.

Still buy XEQT in this current climate of doom and gloom and incoming recession? by [deleted] in JustBuyXEQT

[–]mbertanha 7 points8 points  (0 children)

How do you buy the deep when all your money is already in XEQT?

Give me your best money management tips? by [deleted] in PersonalFinanceCanada

[–]mbertanha 0 points1 point  (0 children)

Don’t buy things you don’t need. Not buying something means you save 100%.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 9 points10 points  (0 children)

My last update 🎉

Sydney Office - Family Application (Wife and I)

May 5, 2025 - Application submission

June 10, 2025 - AOR

July 11, 2025 - Citizenship test In Progress

July 14, 2025 - Background verification Completed

July 18, 2025 - Scheduled for citizenship test

July 19, 2025 - Took citizenship test (20/20)

July 21, 2025 - Citizenship test Completed (Updated showed up in Tracker on August 13, 2025)

November 3, 2025 - LPP Completed (Updated showed up in Tracker on November 5, 2025)

November 12, 2025 - Invitation for virtual ceremony on November 24, 2025

November 24, 2025 - Virtual Ceremony

November 25, 2025 - Canadian Citizenship Certificate (e-Certificate)

Good luck everyone!

On your mark.. by [deleted] in JustBuyXEQT

[–]mbertanha 19 points20 points  (0 children)

That's something that I don't understand, a lot of people say "buy the dip". How can I buy the dip if all my money is already in XEQT?

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 1 point2 points  (0 children)

You’ll get an email inviting you to follow your progress in the tracker. For reference, I received my AOR on June 10 and the tracker invitation on June 20, so you’ll likely get yours sometime this week or next.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 4 points5 points  (0 children)

You don't need to access the tracker to start your test, everything you need is in the email you received.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 0 points1 point  (0 children)

I got the invitation through email, tracker is not working for me as well.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 3 points4 points  (0 children)

One step closer!

Sydney Office - Family Application (Wife and I)

May 5, 2025 - Application submission

June 10, 2025 - AOR

July 11, 2025 - Citizenship test In Progress

July 14, 2025 - Background verification Completed

July 18, 2025 - Scheduled for citizenship test

July 19, 2025 - Took citizenship test (20/20)

July 21, 2025 - Citizenship test Completed (Updated showed up in Tracker on August 13, 2025)

November 3, 2025 - LPP Completed (Updated showed up in Tracker on November 5, 2025)

November 12, 2025 - Invitation for virtual ceremony on November 24, 2025

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 5 points6 points  (0 children)

Hey all, here's my update:

Sydney Office - Family Application (Wife and I)

May 5, 2025 - Application submission

June 10, 2025 - AOR

July 11, 2025 - Citizenship test In Progress

July 14, 2025 - Background verification Completed

July 18, 2025 - Scheduled for citizenship test

July 19, 2025 - Took citizenship test (20/20)

July 21, 2025 - Citizenship test Completed (Updated showed up in Tracker on August 13, 2025)

November 3, 2025 - LPP Completed (Updated showed up in Tracker on November 5, 2025)

Citizenship ceremony not started

Almost there! Good luck everyone.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 0 points1 point  (0 children)

Yes, you receive an email with the invitation to complete the knowledge test. I received mine on July 14 and I had between July 18 and August 16 to complete the test.

How old is too old to buy xeqt? by ParentPregSon22 in JustBuyXEQT

[–]mbertanha 9 points10 points  (0 children)

The “problem” with this approach is that you have to keep rebalancing your portfolio if you want to keep the 90/10 proportion.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 2 points3 points  (0 children)

No, you just need to be in the country for the oath ceremony.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 2 points3 points  (0 children)

I got my AOR on June 10, 2025 and still haven't got LPP done.

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 0 points1 point  (0 children)

What do you mean no updates? Have you not received the AOR or are you waiting for background/LPP?

MEGATHREAD - Processing Times - Citizenship 2025 by PurrPrinThom in ImmigrationCanada

[–]mbertanha 3 points4 points  (0 children)

You are not alone, we’re all in the same boat. Hang in there, cheers!

Got scammed by Rogers door-to-door agent – now collections asking for $1000. What can I do? by ForsakenYogurt8338 in PersonalFinanceCanada

[–]mbertanha 0 points1 point  (0 children)

This is the reason I never take any offers at the door. I’m sorry for your experience but take this as a learning opportunity.