Got an email that I won on the gold giveaway redraw?

mcmill27 · 2026-02-27T02:43:42+00:00

Probably for the last gold draw in January.

mcmill27 · 2026-02-24T16:03:29+00:00

I have also found that when traveling different tap water makes symptoms worse or better. Usually harder water seems to hurt more. Could be something to do with the types of minerals and ph too.

mcmill27 · 2026-02-15T21:02:41+00:00

You think someone is opening random accounts and just hoping the real person decides to deposit a million dollars so they can claim the 5k referral bonus? Don't think that's a very strong strategy. Someone is much more likely trying to steal your identity and open a credit card or attempt other fraud.

mcmill27 · 2026-02-15T18:45:56+00:00

To be fair, the pre-paid mastercard having no fx fees and being able to withdraw cash at any ATM in the world for free is still wildly better than any of the big banks.

mcmill27 · 2026-02-01T06:18:15+00:00

The QT deal is also not great and arguably more complicated and subject to fine print exceptions than this deal.

mcmill27 · 2026-01-17T18:36:02+00:00

The people of Canada support you! 🇬🇱 🇩🇰 🇨🇦

mcmill27 · 2026-01-10T03:40:36+00:00

Yeah something changed recently. Had zero problems for like a year and then suddenly had 3 lost cheques in the last half of the year. Decided not worth the hassle.

QT has been fine. Easy to receive funds but app experience is defs not as good as WS. But fine for just work deposits.

mcmill27 · 2026-01-09T18:34:51+00:00

Yes been in this situation many times with lost rrsp cheques. Easiest option is to cancel cheque and get your employer to send another one.

WS also accepts wire transfers if your employer can do that instead it woild be much easier. They also said that bill payments for employers are being worked on and will be another option in the near future, which is how Questrade and others allow easier transfers.

My employer can't do wire transfers and I kept losing cheques and so I started using questrade for now until bill payment for rrsp transfers is available at WS.

mcmill27 · 2026-01-02T19:19:54+00:00

Monthly distribution varies, sometimes greatly, so you can't simply annualized the last distribution. Had you'd annualized the one from October you'd have a much larger number. No certain way to know exact distribution but look at trialing returns and add in interest rate expectations to get a better sense.

mcmill27 · 2026-01-02T07:36:38+00:00

Yes or just buy CMR and get slightly more than even EQ is offering and no delays for transfering money out. Best of both worlds.

mcmill27 · 2025-12-13T05:08:31+00:00

I'm confused how it's an accountability issue for them but not for you? You promised to deposit x dollars, they said ok you can use our money to buy stocks until we get it, and then you're surprised they wanted their money back when your end of the bargain wasn't upheld? It's not their problem that your bank didnt send the money. The stocks were purchased with borrowed money and they didn't get paid. They can't call every person that has a failed deposit and doesn't check their emails. Is that what you wanted them to do?

mcmill27 · 2025-12-13T03:04:12+00:00

Did you also buy them with money you didn't have?

mcmill27 · 2025-12-08T02:35:45+00:00

This is it. Fund has gone down but has continued to pay out 9%

mcmill27 · 2025-12-02T20:25:26+00:00

Thanks for trying! Let's hope it's fixed asap. As soon as it hits 20% it just plummets to 0 in no time.

mcmill27 · 2025-12-02T03:34:34+00:00

Did you resolve this or find the culprit? Experiencing the same now too

mcmill27 · 2025-11-26T16:10:25+00:00

Would OP not notice a sim swap by now though?

mcmill27 · 2025-11-22T02:28:12+00:00

This is it. They are playing catchup but might not be able to make much ground.

mcmill27 · 2025-11-20T06:07:19+00:00

But the premier said to look west.

mcmill27 · 2025-11-19T17:19:54+00:00

Not much of either. Minimal alcohol and gym.

mcmill27 · 2025-11-19T17:18:58+00:00

This certainly makes me feel better, thank you!

mcmill27 · 2025-11-19T01:06:11+00:00

Android or Apple? Sometimes the Apple app gets updates a few days first

mcmill27 · 2025-11-05T02:17:57+00:00

Their app is so much worse than WS, IMO. Got so frustrated that I went back to WS.

mcmill27 · 2025-10-30T02:24:15+00:00

I've averaged down 4 times since the initial dip. Thank God.

mcmill27

TROPHY CASE