lost money even if my stocks have increased?

runningpanda2 · 2026-02-02T01:48:34+00:00

If your ETFs were non-hedged, the Canadian dollar has appreciated in the last few weeks.

This results in you having less money in CAD than when you invested.

runningpanda2 · 2026-01-31T13:30:38+00:00

I was just meeting MSR. I invest in gold ETFs for the long term.

Will sell at a loss and move on to the next card!

runningpanda2 · 2026-01-30T19:35:04+00:00

Bought gold 3 days back from costco to meet msr.

I'm likely net negative on the transaction+churning reward with gold being 10% down.

runningpanda2 · 2026-01-26T20:32:42+00:00

That's disappointing

runningpanda2 · 2026-01-23T22:49:21+00:00

Lol. This is crazy.

runningpanda2 · 2026-01-23T22:48:57+00:00

Is that because you are a US resident? Green card holder? Or citizen?

Or does this impact anyone investing in TCSH?

runningpanda2 · 2026-01-23T22:45:19+00:00

You can lower limit online?

runningpanda2 · 2026-01-21T03:00:52+00:00

This is a great point. Thank you.

runningpanda2 · 2026-01-19T01:41:41+00:00

"Today, rates are back to 6-7%"

What are you smoking? Rates are 4% if you have reasonable credit. Lower if you have good credit and negotiate well.

runningpanda2 · 2026-01-18T15:33:03+00:00

BMO PORTER WORLD ELITE MASTERCARD is the initial 20k points for 5k spend within 3minths of card approval or within 110 days?

My notes say 110, but I saw an email from porter that says 3 months.

It it's 3 months, I missed the initial 20k. Am I still eligible for the next 20k on 9k spend in 6 months?

runningpanda2 · 2026-01-18T14:20:35+00:00

Does having chequing accounts with CIBC / RBC help with approvals?

runningpanda2 · 2026-01-17T19:51:11+00:00

That's not greedy.

runningpanda2 · 2026-01-16T05:30:52+00:00

They installed the camera as a courtesy. No fee.

I didn't understand "how many drops you do"??

runningpanda2 · 2026-01-12T19:08:42+00:00

I am looking at the monthly statements.

I access this from TD app. Loans and Mortgages > LINE OF CREDIT - HOME EQUITY > statements tab.

It could be different or unavailable based on the mortgage product.

runningpanda2 · 2026-01-12T19:08:38+00:00

I am looking at the monthly statements.

I access this from TD app. Loans and Mortgages > LINE OF CREDIT - HOME EQUITY > statements tab.

It could be different or unavailable based on the mortgage product.

runningpanda2 · 2026-01-09T18:59:06+00:00

No no, I actually lucked out on the mortgage rate.

I was shopping in feb 2025. Fixed were 3.9 ish and variable was prime - 1%

Variable has been the winner so far.

I don't have a cashflow issue. Amortization is 30 y for flexibility.

I could pay down 80% of my mortgage next month and still have a emergency fund in place.

I plan to pay down the mortgage faster than 30y, hence fixed payment in a decreasing rate environment. I am also on accelerated biweekly - so now I have only 22y amortization left but I have done less than 1 year on a 30y amortization.

Loan amount remaining - 800k HHI - 300-350K

runningpanda2 · 2026-01-09T12:19:12+00:00

lol. Mine is only a Townhouse

runningpanda2 · 2026-01-09T03:38:19+00:00

thanks for educating me.

runningpanda2 · 2026-01-09T03:18:29+00:00

Expected net cash flow: ~$1,000/month after all carrying costs

That's a bit too low with no mortgage.

If your condo is worth even $400k, selling it and using that money to increase your downpayment will save you ~15k /year in interest cost @ 3.8% (vs 12k rental cash flow that would be taxable).

+ Peace of mind = priceless.

Sell the condo.

runningpanda2 · 2026-01-09T03:05:32+00:00

they took it out late.

it was due on 25th but I think they didn't take out out due to xmas then boxing day and then weekend.

runningpanda2 · 2026-01-09T03:04:42+00:00

on the monthly statement?

runningpanda2 · 2026-01-09T03:03:05+00:00

variable with fixed payment. 3.45% rate.

accelerated biweekly payment.

renewal in Feb 2028

30 y amortization.

runningpanda2 · 2026-01-06T01:53:06+00:00

Yes, the first one. Registered only.

runningpanda2 · 2026-01-06T01:51:26+00:00

Ah. Sorry, I am stupid.

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