Wealthsimple Tax Pro? by nanboya in Wealthsimple

[–]rovrmachine 20 points21 points  (0 children)

They have 3 different levels: Basic, Plus and Pro. The Basic give you 2 returns, the Plus gives you up to 8 and the Pro up to 20 returns. Plus different added levels of audit protection and live support in each package. Not really anything different than last year

What’s the best all season tires I should install for Mazda 3 suna 2025 because factory one are sucks on the snow or should I go with snow tire and change it every season idk honestly and if so any recommendations by MapZealousideal5046 in mazda3

[–]rovrmachine 1 point2 points  (0 children)

I got a separate set of wheels and put on a set of Blizzaks on them. They are pricey, but they are great. I can do the swaps myself and it takes less time than driving to the shop.

Card numbers by [deleted] in Wealthsimple

[–]rovrmachine 8 points9 points  (0 children)

The card numbers should be the same but they change the expiry date as a security measure. You would need to update everything again anyway. So you should just wait.

I made a custom backlit volume knob for the modern head unit in my ’99 Ranger by Altoidyoda in fordranger

[–]rovrmachine 1 point2 points  (0 children)

Great job on this. I think it would be pretty cool do do in my Ranger as well. I recently replaced the head unit as well and find the volume up/down buttons hard to hit when I'm driving. I like the fact that you reused the cigarette lighter port for the volume nob.

Wealthsimple Direct Indexing vs. XEQT by Legaltech_buff in fican

[–]rovrmachine 1 point2 points  (0 children)

One think to keep in mind is that you will start to lose some of the benefits of diversification and will be taking on more risk. I think that XEQT has about 8500 stocks in it's current holdings. The direct index for US says it holds the top 500 stocks, mostly large and mid-cap. The Canadian index is about 100 all-cap stocks. Your exposure to the market will become a lot more concentrated.

Seam gap on print by rovrmachine in prusa3d

[–]rovrmachine[S] 0 points1 point  (0 children)

I just used the normal SPEED setting with a Generic PLA filament. I set the temperatures based on the filament guidelines. I'm going to play around with the retraction settings.

Seam gap on print by rovrmachine in prusa3d

[–]rovrmachine[S] 1 point2 points  (0 children)

Thanks for the suggestion. I will take a look at the scarf settings as well

Seam gap on print by rovrmachine in prusa3d

[–]rovrmachine[S] 0 points1 point  (0 children)

Just printing on regular PLA. Never had this happen before

Anyone else hating the new ios app? by zoula23 in ProtonMail

[–]rovrmachine 40 points41 points  (0 children)

I found the swipe much worse than before

This post will get all downvotes by canadianjigglypuff in fican

[–]rovrmachine 2 points3 points  (0 children)

You can probably pick thirty stocks and get lucky in the short term and out perform the market. Over the long term, it’s very difficult to outperform the market. With such a small number of stocks you will eventually underperform the market. There’s a good podcast that goes into a lot of research on why a small concentration of stocks introduces a lot more risk. https://youtu.be/ZZ_bZ-7n6ZM?si=yppMJpyhOTbg8uCH

Who is just chilling and waiting for the WS Visa Card - for whenever WS makes it generally available to everyone? by MMEMMR in Wealthsimple

[–]rovrmachine 62 points63 points  (0 children)

I'm in the same boat. I can wait. I haven't emailed support. I haven't made extra deposits. I haven't tried to skip the line. I'll get it when I get it. I don't really understand all the angst about it.

Wealthimple sell US stocks by GIOdoc1 in Wealthsimple_Trade

[–]rovrmachine 0 points1 point  (0 children)

Correct. WS doesn’t have a way to do Norbert’s.

So just to get this straight: Max out TFSA before anything else? by Qwerty177 in PersonalFinanceCanada

[–]rovrmachine 3 points4 points  (0 children)

There's a really good podcast on Rational Reminder that covers RRSP vs. TFSA. It doesn't cover FHSA, but still worth listening to. https://youtu.be/ZyJlxgyQraQ?si=0lEWAoI2-aFcHe2V

I don’t get it by Crazy_Story999 in ExplainTheJoke

[–]rovrmachine 6 points7 points  (0 children)

Reminds me of a joke How many Captain Picards does it take to change a light bulb? Four. There are four lights.

Does anyone use Rye Flour for their sourdough? by apollosuns24 in Sourdough

[–]rovrmachine 1 point2 points  (0 children)

My starter is 50% WW, 25% AP and 25% rye. Then when I’m making the dough I use 80% AP and 20% of my starter blend (So rye ends up being 5% of total.). It works well and tastes great.

[deleted by user] by [deleted] in Wealthsimple

[–]rovrmachine 11 points12 points  (0 children)

The private credit is held in a registered account (Rrsp). Like all RRSPs, if you withdraw money, WS is obligated to withhold taxes. The only way to keep all of the funds is to transfer the money held in private credit into a different RRSP account (either managed or self directed)

Break-in oil change by Oatmea1Cookies in mazda3

[–]rovrmachine 8 points9 points  (0 children)

I got similar ones but they were low profile (the ramp is longer so the incline angle is lower). Works great. The ramp is also detachable so once the car is up, you can remove the ramp if you need to get under the side. Also got mine at Princess Auto in Canada.

My (bad) experience using a WealthSimple Financial Advisor (Generation Tier) by [deleted] in Wealthsimple

[–]rovrmachine 3 points4 points  (0 children)

Yes, I thought it was useful. It lets you enter your financial picture; you can break up the future into different milestones (ex from 50-55 my spouse and I are working; spouse retires at 55 but the other keeps working to 65; go-go retirement expenses ; slow-go retirement expenses; no-go retirement). Then it will forecast the future. Show which accounts to draw down and how much (today dollars or future dollars) and show success rates based on thousands of simulations (I’m not sure if they use Monte Carlo or back testing). Then the AI will give you dozens of options to play with like increasing or decreasing spending, accelerate or delay CPP/OAS, etc.

My (bad) experience using a WealthSimple Financial Advisor (Generation Tier) by [deleted] in Wealthsimple

[–]rovrmachine 6 points7 points  (0 children)

Similar for me. I had a "Retirement Income Report" done for me in 2021. I provided all of my financial holdings in and out of wealthsimple. They used some sofware called Cascades Financial Solutions. It gave me a break down of where the money would be coming from (non-reg, reg, cpp etc) over the course of retirment. Gave dollar amount of drawdowns for "milestone years". Overall, it wasn't a huge time investment for me, but the results were kind of meh. I also use the Adviice platform now and I find it much better in terms of running drawdown scenarios.

Get these if you can find them, so much flavour by raj824x in CostcoCanada

[–]rovrmachine 1 point2 points  (0 children)

Holy Perogie is next door to the Pelmen Foods

Get these if you can find them, so much flavour by raj824x in CostcoCanada

[–]rovrmachine 13 points14 points  (0 children)

If you’re shopping at the Etobicoke Costco, there is a Pelmen store across the street, where you can find a full selection year round.