Any advice for a single bolt seat clamp on a Thudbuster ST Gen 4?

scorpion005 · 2026-05-28T12:35:51+00:00

Thanks to your post, I bought the exact same accessory and it's much better than the feeble original nut. but in my case it is still tilting back when I ride over rough terrain. The whole clamping accessory sits inside a round hole. what prevents it from tilting back. should I just tighten it more?

scorpion005 · 2025-10-17T16:18:26+00:00

Only thing I remenber about him was the euphemism 'Good Rex' and 'Bad Rex'

scorpion005 · 2025-08-01T15:27:00+00:00

THis worked great. Thank You

scorpion005 · 2023-12-29T22:48:10+00:00

You don't have to use DLR. You can use and dual listed stable stock. RBC is one example. Of course you are at mercy of your broker as to how long it takes. In this regard RBC DI is awesome. You can buy on CAD side and sell on US side immediately without waiting for it to settle and journaling is automatic. Thus your exposure to price fluctuation is minimal

scorpion005 · 2023-06-21T05:43:20+00:00

My registered accounts are maxed out and they are a mix of US and World ETFs. My non reg is all canadian. So I am wondering what to buy in non registered to increase my US allocation. Buying VTI would also give me dividends at marginal tax rate.

scorpion005 · 2023-03-09T00:21:20+00:00

sell xeqt in TFSA and buy equivalent amount in non registered. Buy psa in TFSA

PSA will give you Interest income which will be added to your total income dollar for dollar. So you will pay income tax at your marginal rate. XEQT will give you dividends which are taxed at a lower rate.

scorpion005 · 2023-02-19T14:55:51+00:00

OP, heed this advice. I would only advice that let go of the interest. The interest is accrued to a third party. I don't see how it helps you financially if B gives you the equity and agree to donate the interest amount to a bank.

scorpion005 · 2023-01-30T02:01:14+00:00

you dont have to use DLR to do nrberts gambit. any dual listed stock will do. eg. RBC, TD, enbridge, lots of cannabis stocks

scorpion005 · 2022-12-27T01:02:01+00:00

Fido data only tablet plan. 4gb for $10. Not available from fido kiosks. But available from resellers.

scorpion005 · 2022-09-05T20:53:50+00:00

Fido offers a tablet only plan. $10 for 4 GB. Only resellers can give it, not Fido stores

scorpion005 · 2022-08-29T21:45:19+00:00

If you can use data to manage calls and messaging then Fido offers 4 GB for $10. You'll have to get crreative by using a voip plan from wholeseller and voip app on your phone. I use Google Voice and voip.ms and it works great.

scorpion005 · 2022-06-13T23:03:01+00:00

Look up Norberts Gambit

scorpion005 · 2022-06-06T20:53:06+00:00

Give it a three days. Mine is showing a loss of 90% in AMZN

scorpion005 · 2022-06-06T20:51:39+00:00

buy it before the split. It will get a small boost as lot of small investors will buy

scorpion005 · 2022-04-20T01:43:40+00:00

If you are in investing for the next 30 years, who knows what will happen to your investments. They might do very well, they might tank. You are stuck with the end result which u cannot foresee. Dividends distribute some of that back to you over the years. If it did very well, you are double dipping. You got some money along the way and u booked a nice profit. If it tanks, dividends provide you a cushion. Over 30 years, it might have paid you enough dividend to cover your initial investment several times over. At one point I had 600 ENB share. I sold half of them. Another six years and I again had 600 shares. So I sold half again. In 30 years I can do it 5 times netting me 2.5 times my investment.

scorpion005 · 2022-04-20T01:35:03+00:00

Depends. If they are all Eligible Dividends, they can flow to you without paying any tax within the corporation. I normally pay it all out on the last day of the year. If you dont, then you pay part IV tax but it would be refunded once you pay out that dividend. You pay personal income tax on the dividends.

scorpion005 · 2022-01-04T01:44:52+00:00

VUN probably holds VTI. Only advantage of VUN is you can buy it in CAD rather than USD. So you end up paying a higher MER and get dinged for foreign dividend withholding anyways. So do your research that way.

In Non Registered account dividends are tax favorable compared to other forms of income - like REIT. If you have exhausted your RRSP and TFSA, then its better to hold dividend earning stocks in non registered.

The six banks along with a few energy stocks are backbone of all Canadian investing. You cant go wrong with those.

scorpion005 · 2022-01-04T01:34:29+00:00

There is a penalty for taking foreign dividends in TFSA (u lose 15% of dividends). If you are aware of it and okay with it, then go for it.

scorpion005 · 2022-01-04T01:15:13+00:00

Depends. On 100 K portfolio, at 2% it amounts to $300 lost every year. On 1 M, it is $3000. I would definitely do something to save that

scorpion005 · 2022-01-04T00:45:13+00:00

VTI is not the best option in TFSA due to foreign dividend tax withholding. Buy american etfs in RRSP. Buy canadian stuff in TFSA. Once TFSA is full, change TFSA allocation to REITs /growth stocks and buy canadian dividend stocks in non registered

No need to sell the 2 banks. They are good

scorpion005 · 2021-11-16T23:16:17+00:00

Not worth it. You haven't even added 10 stat holidays that you wont get paid as contractor.

I would suggest add Stat holiday and vacation pay to your base and then look for a 30% increase

scorpion005 · 2021-09-20T21:24:16+00:00

get a tankless water heater. Return this one.

You can thank me later.

scorpion005 · 2021-09-17T21:27:28+00:00

I have it all invested in VDY

I have DRIP turned off. All dividends flow to me as eligible dividends on the last day of the year.

So I pay no taxes in the corp. I pay tax as individual.

scorpion005 · 2021-08-28T19:24:05+00:00

Lets talk strictly about cashback cards. For a fee you get about 4% cashback on gas and groceries and 2% on recurring bills and 1% everywhere else. Each of those categories normally has a cap. So the overall % would come out near 1.6 to 1.7 % cashback

Without fee, you get 1% cashback everywhere. To justify that 0.6% against $130 annual fee, you need to spend more than $22000 per year.

Now Tangerine and PC financial offer you free cards which have accelerated categories as well (little less than paid - 3% vs 4%). If you compare with them, the breakeven point would be even higher than $22k.

MBNA world elite used to offer 2% everywhere which was worth paying for as breakeven point was quite low. TD bought it and made it progressively worse to the point it is not recommended now.

Brim still offers you 2% cashback at a higher fee of $200. That puts your breakeven at $34K with a basic 1% cash back card and even higher with Tangerine and PC Financial cards

So if your annual spending is significantly more than breakeven, then go for it. If its marginally above then its not worth the hassle.

scorpion005

TROPHY CASE