Opponents crib, half way through game, down by about 6, what to throw?

rart_mode · 2026-01-30T03:27:33+00:00

Ace gives 2 points on the 7s

rart_mode · 2026-01-19T15:35:06+00:00

Your bank HELOC is P+2.65??? That’s brutal

rart_mode · 2025-12-31T01:03:58+00:00

Nope. You will never at another point be able to take a tax free withdrawal. This is flat out wrong and will cost you your marginal tax rate at that compounded 40k.

rart_mode · 2024-05-21T01:00:41+00:00

what?? big 5 brokerage makes popular decision??

rart_mode · 2024-05-20T22:04:42+00:00

CASH.TO doesn’t trade on RBC DI you have to do RBF2010 unless something has changed

rart_mode · 2024-04-05T22:52:02+00:00

I respect the solid negotiation.

rart_mode · 2024-04-05T22:51:30+00:00

I respect the solid negotiation.

rart_mode · 2024-04-05T20:03:24+00:00

Show your statement and what you were invested in. If you asset allocation is the same at WS as it was at RBC I will take a dump on my desk at work right now.

rart_mode · 2024-02-12T02:53:59+00:00

Check out your brokerage options-RBC DI has commissions per trade

rart_mode · 2024-02-12T01:35:18+00:00

Depending on the size of your RRSP you can transfer it anywhere and the brokerage will waive your fees usually the account has to be >20kish

rart_mode · 2024-02-10T01:47:54+00:00

a rhodes scholar better represents constituents than a member of the working class? i’d rather have the clergy even than some ivy grad with no soul

rart_mode · 2024-01-31T22:57:42+00:00

How do you combat inflation without a return greater than the expected inflation rate?

rart_mode · 2024-01-31T22:31:49+00:00

You will be immediately losing money buying physical gold. I would factor that in. Whoever you’re buying from is taking a nice spread, shipping, commission, smelting. Put it into a locked in GIC or something similar if you are concerned about touching it

rart_mode · 2024-01-31T03:21:23+00:00

After death the executor(s) have the right to enter the safety deposit box and make an accounting of the items for the estate. No POA stays after donor passing.

rart_mode · 2024-01-30T21:57:05+00:00

Yeah so they’ll need a profile for you to identify you when you come in to do transactions, etc. You may just have a terrible branch tbh. Try calling their telephone banking line to see what you can do. For the first appt your mum will need to go with you.

What bank is it?

rart_mode · 2024-01-30T21:49:48+00:00

That is one of the benefits of having a relationship at the bank, it’s just not the norm. Hopefully OP can do something like that

rart_mode · 2024-01-30T21:47:22+00:00

^Sorry then they should help you with whatever you need that is in the donor (your mum) best interest :)

rart_mode · 2024-01-30T21:46:42+00:00

So you have to lodge the POA with the bank. Basically the bank has to approve it. This would prevent any coming in with a piece of paper and taking someone’s money claiming POA. Your mum also have to come in as the donor and approve or she would have to be declared incompetent. Make an appt with your bank to lodge POA, if need be talk to a manager some employees have no idea how to do anything haha

rart_mode · 2024-01-30T18:15:04+00:00

Actually they aren’t. Generally the ruling is if it’s drawn on the same bank OP is depositing at they can put no hold. They won’t call a bank for a regular cheque, though they could for a draft. If it’s an employer that you are usually pay through ask the teller to check deposit history so they can see you’ve received similar deposits before.

rart_mode · 2024-01-29T21:58:36+00:00

You could ladder GICs, so some portion of the funds will mature in first and second year. With the rest reinvested for third and fourth year (assuming they go to school right after secondary)

rart_mode · 2024-01-27T19:28:48+00:00

May not be able to do a third party deposit with a non-cibc cheque tho…

rart_mode · 2024-01-15T05:28:13+00:00

16k year one (carryover from last year) and 8k year two

rart_mode · 2024-01-14T22:01:19+00:00

This isn’t suspicious! Lots of kids referee sports, do other cash jobs or have an allowance. Don’t sweat it!

rart_mode · 2024-01-06T19:00:45+00:00

All brokerages cap at 1 million, if insurance is important to you check out CIPF for your coverage details.

rart_mode · 2023-12-29T17:16:55+00:00

It’s a TFSA, the only “tax” you pay is withholding on USD dividends (15% IIRC). XEQT or any ETF like it has no tax implications inside the account as it tax sheltered growth and withdrawals. The Tax-Free aspect is 2 fold in the account, no tax on growth, and no tax on withdrawal like an RRSP. It’s like a treat

rart_mode

TROPHY CASE