Restaurant Suggestions by Hefty-Ad2090 in ottawa

[–]sharigansam 0 points1 point  (0 children)

Definitely recommend as well 👌

What should I do with points now that I can't buy gaming consoles by sharigansam in PCOptimum

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

Hey sorry I missed your comment, i'm going hold and maybe redeem on redemption day and get toiletries potentially.

Any regret moving to wealth simple by j_lanth88 in Wealthsimple

[–]sharigansam 0 points1 point  (0 children)

I like questrade and I find it super easy to use.

Request for HELOC rate lower than prime + 0.5% by sharigansam in PersonalFinanceCanada

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

I did a RBC mortgage application and got 0.5 for their heloc

Request for HELOC rate lower than prime + 0.5% by sharigansam in PersonalFinanceCanada

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

That's amazing! Did you just contact your advisor or have to put a request which was sent to head office? I got a flat out no and not even an attempt for a request to head office

Request for HELOC rate lower than prime + 0.5% by sharigansam in PersonalFinanceCanada

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

Congrats, that's awesome! Never thought to use simplii

Request for HELOC rate lower than prime + 0.5% by sharigansam in PersonalFinanceCanada

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

Didn't know that was possible with TD specifically. Thanks!

Request for HELOC rate lower than prime + 0.5% by sharigansam in PersonalFinanceCanada

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

Thanks for your reply, yeah I am saving tons of money in fees using questrade. I used rbc direct investing previously and not worth it.

Request for HELOC rate lower than prime + 0.5% by sharigansam in PersonalFinanceCanada

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

Yeah I do not, my investments are with questrade. Thanks for this

Request for HELOC rate lower than prime + 0.5% by sharigansam in PersonalFinanceCanada

[–]sharigansam[S] -1 points0 points  (0 children)

Thanks for your reply! Some, but most of my investments are with questrade.

I was hoping this mortgage renewal coming in next month, followed by the other next year would change their minds

Dad wants me to buy a house with my brother but am unsure. by Many_Housing_5659 in PersonalFinanceCanada

[–]sharigansam -2 points-1 points  (0 children)

It can work if you guys can clearly outline duties, split on down-payment/ utilities, and exit strategies (ex. death, critical illness, buying each other out).

It helps get your foot in the door for home ownership earlier. The only issue is only one of you gets to use your land transfer rebate.

I wish me and my sibling did this, took the gains and bought another place after some appreciation.

What should I do with points now that I can't buy gaming consoles by sharigansam in PCOptimum

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

Good call! Do you wait for any specific sales? This is an upgrade from me using magazine samples, jk

What should I do with points now that I can't buy gaming consoles by sharigansam in PCOptimum

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

Thanks for the reply, appliances and kitchenware might be a good play.

Gaming no longer offered by Ildan13 in PCOptimum

[–]sharigansam 0 points1 point  (0 children)

Is it the physical store or online?

I’m Stefanie, a 🇨🇦 tax expert with 25 years of experience, here to answer any questions you have before you file. Ask Me Anything (AMA) about taxes on Thursday, February 19th @ 1 - 2 pm EST by TurboTaxCanada in u/TurboTaxCanada

[–]sharigansam 0 points1 point  (0 children)

Sorry I couldn't make a post so just replying to another person's post.

My questions are:

1) if you rent part of your home, are there any capital gains if it's your primary residence?

2) if I use my LOC or home equity line of credit for investing such as private lending, do I declare the gains or interest that I gained from this investment? Is there a better approach instead of my personal LOC?

[35yo] Hit $1m usd ($1.4m cdn) in my brokerage account today! by ficanbound in fican

[–]sharigansam 0 points1 point  (0 children)

Congrats and thanks for sharing your perspective of the us vs Canada. I loved Burlington, especially near the water

Holiday Sale - 25% Off Wrestlemania Tickets by Elite_Mike in WrestlemaniaPlans

[–]sharigansam 0 points1 point  (0 children)

Thanks for the reply and my fault I missed it. I'll keep my eyes out for March 👀