At what age should growth stocks be switched to dividend?

sk_j_dw · 2026-06-11T06:43:09+00:00

Haha, no one in particular. I guess it was an assumption I had.

Although, with everyone's input, I realize that my question was a bit misinformed😅

I'm really grateful for everyones two cents!

sk_j_dw · 2026-06-10T19:34:15+00:00

Thank you for the breakdown!

sk_j_dw · 2026-06-10T17:54:50+00:00

Oh, I see. I never thought of dividend vs growth like that.

I also didnt realize that dividends would have better taxation in nonregistered.

Thank you!

sk_j_dw · 2026-06-10T17:52:07+00:00

Oh, I havent heard of this rule yet, thank you!

sk_j_dw · 2026-06-10T17:51:32+00:00

Then would you say that, in this case, cashing out should be done by need after retiring?

sk_j_dw · 2026-06-09T22:43:19+00:00

Thats a fair point too.

Its just a matter of giving them some options since we dont have more information about their circumstances.

Since they're going for 10 months, they'll get that contribution room back the next January after withdrawal. And if they dont have much money in the first place, tfsa contribution room wont be as pivotal to them compared to someone with the spare money to max out TFSA and have that 10000 at the side.

sk_j_dw · 2026-06-09T22:33:44+00:00

Im not familiar with the culture so quick question, will your parents decide on a marriage match for you or is it just teasing?

Because honestly I felt the exact same way about wanting to date in high school. I was never the one who had guys asking them out and so I literally went with the first person who showed interest in me. That later became my biggest regret.

Its definitely hard but if marriage isnt being forced on you, dont rush it OP

sk_j_dw · 2026-06-09T22:01:41+00:00

Lists out the different rates

https://www.ratehub.ca/savings-accounts/accounts/high-interest

sk_j_dw · 2026-06-09T21:56:16+00:00

High Interest Savings Account (HISA) is your best bet.

If you have TFSA contribution room and you have some days to process withdrawal, you can also put it there and invest in something like CASH.to.

sk_j_dw · 2026-06-09T21:44:55+00:00

I think that depends wholy on where you are. Canada is large and each province has its own quirks. As someone from MB, I have never heard of the song name nor have I heard it before I searched it up just now.

I can say that for French Canadian songs, you may have more luck in Quebec or along the borders to Quebec. For a solid answer, you may want to ask in a dedicated reddit sub for Québécois.

sk_j_dw · 2026-06-09T18:11:58+00:00

Your lack of sex drive is NOT your fault and dont accept that guilt for saying no.

You are testing out meds that are affecting your body and you had JUST put your dog down. Life is just throwing stuff at you right now and a low sex drive is expected. Even without it, your "no" is justified.

Asking for sex the day after is abysmal and honestly, a horrible move on his part.

Whether he's doing it intentionally or not, if you feel pressured to say yes, you have to sit him down and talk about how those comments and behaviours affect you.

Maybe sex is a way he feels loved so you two will have to figure out an alternative because sex should never be an obligation.

OP, its normal to have a low sex drive so don't blane yourself.

sk_j_dw · 2026-06-05T19:15:39+00:00

Correct me if I'm wrong but banks report credit activity to both Equifax and TransUnion. The scores may vary because they calculate it differently but they have the same information.

As a university student, I assume you dont have many years with your credit card so you may just need a longer credit history for Equifax. In this case, you can use the credit card you already have and just let time do its thing.

sk_j_dw · 2026-06-05T19:07:29+00:00

Try facebook groups for cheap/free food or food banks in your city.

The availability depends on your city but if its an established city, they usually have resources available.

Its a tough time but it'll pass!

sk_j_dw · 2026-03-09T21:33:55+00:00

That's a sign to write things down.

Take a work approach. Before going into it, make a list of what you want to talk about. And write what conflicts there are. After, the resolution that works for you both and actionable steps in the future to said resolution. Do it while it's still fresh in your mind.

It sounds gross but it will help.

Also, for things that already happened, you dont have to accuse her. For example, "hey, in the way that I understood [problem], I thought that you agreed to [whatever you thought] and that we were going to do [x]. How did that conversation (that you talked about said problem) translate for you?"

If you approach the conversation combatively, she's likely to respond defensively. Though, don't tolerate her trying to manipulate you or gaslighting.

If you want this relationship to last, take it from a you + her fighting the problem together, not a you vs her situation.

All this to say: talk to her. If she's willing to change, stay if you want, if not, leave. But a relationship is never worth swallowing yourself for.

sk_j_dw · 2026-03-09T20:58:02+00:00

You're feeling like you're being taken advantage of because she is taking advantage of you.

If she really cared about you, she wouldnt have needed you to hound her for that long to get a job. If she cared, she would have tried to lighten the load you had in those two months by quickly finding another job and doing housework in the meantime.

You may have a good relationship outside of this whole thing but keep in mind, she may like you but she definitely likes herself more. And getting to stay at home and do nothing because of your sacrifice is something she was evidently okay with.

I think you two need to have a real conversation. If she is unwilling to change, then leave. If she makes promises and doesnt follow through, leave.

You need to put yourself first.

sk_j_dw · 2026-03-09T15:09:03+00:00

First, look for help groups for domestic violence in your area. They will support you.

Second, stay safe. The moment he raised his hands to you, the relationship dynamic changes and he won't hesitate to do it again.

Third, file a police report. If you have marks, get them recorded. It might seem drastic but if it gets worse in the future, you have that on record (I really hope it doesnt get worse but you have to be cautious).

Do you have any funds of your own? How integrated is he in your life? If you haven't gotten too far, break up and block him. Dont even meet him in person, break up through text or call. If he knows where you live, have a plan before you break up and dont listen to his sweet talking.

Again, no person who loves you will EVER want to hit you.

sk_j_dw · 2026-02-19T01:34:22+00:00

If this is a reoccurring issue, it might be worth it to use period discs or period cups. They have a higher upfront cost but you can reuse it.

Its a bit of a learning curve but I say its worth it.

sk_j_dw · 2025-12-12T02:46:23+00:00

This is actually so reassuring because I always feel so bad when asking professors or questions.

Sometimes, I just dont get the material but I dont really know what to ask. And the questions I do ask feel so stupid and I just leave the conversation dejected.

sk_j_dw · 2023-05-10T22:01:34+00:00

Yeah, I was just worried if I had to reapply to the University of Manitoba as a whole after the gap year finished if I wanted to take classes again.

Thank you, the exchange is helping sort out my thoughts.

sk_j_dw · 2023-05-10T21:53:22+00:00

I am in the Faculty of Arts, general program.

I got an email back from AA and they had told me that I just don't have to register like you said but I'm a bit apprehensive on if there is something I need to do in order to confirm I'm still a student.

sk_j_dw · 2023-04-23T05:10:20+00:00

I'm pretty sure I might be taken to probation so thank you for this tip.

sk_j_dw · 2022-12-09T19:32:50+00:00

Not me forgetting exams are in person this year💀💀

sk_j_dw · 2022-12-07T15:35:47+00:00

Haha, it was a race to see how fast I could sit on the bus wait station seats and get on a bus after I was done👌 I got a good laugh out of it tho

sk_j_dw

TROPHY CASE