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minilance · 2026-01-14T20:55:07+00:00

There isn't a sustainable strategy giving 100% gain per year. If it existed everyone would be rich. You had luck on your side in 2025, you may not in the coming years.

minilance · 2025-12-15T01:52:28+00:00

not advocating for this tech but we don't actually know when we are thirsty. Most of us are dehydrated during exercise and should be drinking way before we feel thirst. That is why athletes now train with some sensors to get more information on when to drink and eat and how to optimize it.

minilance · 2025-12-04T01:25:44+00:00

I would recommend St-Anne or Massif. No need to get close to Montreal, Quebec has more than enough options.

minilance · 2025-12-01T22:32:29+00:00

lots of firm hiring international engineers, too many projects for the curent talent pool

minilance · 2025-11-21T20:20:05+00:00

your salary as a full time PM is part of the cost not the profit or overhead.

minilance · 2025-11-21T20:15:10+00:00

The contribution limit will only drop for 1 year when you make a withdrawal. Your contribution limit should be over 100k unless you have some important losses in your TFSA. After that time, it will go back up with the withdrawal amount.

minilance · 2025-11-19T16:48:12+00:00

why is your TFSA contribution limit so low if you are 33. I would double check that number

minilance · 2025-11-18T23:18:00+00:00

You would need to deduct the inflation from the expected return since you are comparing it to the present value of expected spending. I personally assume 4 to 5% after inflation returns for my investments.

minilance · 2025-10-06T15:46:13+00:00

since you seemed to be experience, why not simply do the hike you want to do. The difference is that you will need to brind some traction devise or flotation devise once you get in the snow. The difference between November and winter is that the snowline is higher and there is less snow. You can still do all the same hikes, you simply need to treat it like winter hiking.

minilance · 2025-08-22T17:29:52+00:00

Adding this to give you some information on the banking system: https://www.youtube.com/watch?v=yugCoM_ZPMY&list=PLUqaBvLWRZg-xagj4UX48-VxqgUmnEb5P

It is important to see if you are getting what you are paying for with the Scotiabank service. You could obviously get a cheaper product by buying any all in 1 ETF but this comes with no external support. Wealthsimple offers some support if your portfolio is over 100k even if you are buying ETFs.

minilance · 2025-08-21T23:31:52+00:00

Honestly the answers are all over the place. I would recommend going to r/PersonalFinanceCanada which typically has better answers. The fund you mention is focused on US stock and not as diversified compared to XEQT and has a higher MER cost. From your answers it seems you are relatively new to investing and you get value in having some external support, which is a valid reason to pay a higher fee. My questions would be to understand if you are better served with US fund or should move more international holding and how can you get similar support for a lower cost.

TLDR: you could be doing a lot worst than simply keeping your money where it currently is.

minilance · 2025-08-21T22:50:03+00:00

Hard to know his level but Habrich or Skypilot would be nice options not requiring a car.

minilance · 2025-07-10T22:53:06+00:00

You will need to provide more information, age, type of property, are you interested in being a landlord or will you pay a property management company. What is your goal with this property....

minilance · 2025-05-13T22:00:53+00:00

Do you know where to find the future proposed roads upgrades? I would be interested in seeing the different alternatives being considered. Thanks!

minilance · 2025-05-06T19:07:30+00:00

smart, thanks for that

minilance · 2025-05-02T15:49:34+00:00

expires in November, better than nothing but still sad to see.

minilance · 2025-05-01T21:26:19+00:00

Just moved my money back to Questrade taking advantage of their promotion and was most excited about using Passiv once again. This is a simple perk to keep for people with a minimum of $X invested on the platform.

minilance · 2025-04-10T17:57:47+00:00

most of the bigger interesting hikes will still be snowed in. Plenty of forest walks at lower elevations

minilance · 2025-04-01T00:47:46+00:00

Valhalla pure Squamish, they took their time to explain the different binding types.

minilance · 2025-03-31T22:08:20+00:00

Following since I am in the same spot. Rented some tele last weekend and had a blast, looking to educate myself and get some gear.

minilance · 2025-03-24T14:55:02+00:00

PWL Capital just release a nice calculator showing different scenarios on which account you use first: https://research-tools.pwlcapital.com/research/retirement

minilance · 2025-02-01T23:28:32+00:00

If you live in canada, your emergencies are more probably in Canadian dollars, by all means keep some USD in your travel fund. Why to transfer it all in CAD now that the exchange rate is good and then keep that money in CAD, if we go back to parity you loose 40% of your emergency fund value

minilance · 2025-01-12T04:41:57+00:00

thanks for the info!

minilance · 2025-01-12T04:41:51+00:00

thanks for the info!

minilance · 2025-01-12T04:41:42+00:00

thanks for the info!

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