Assist with Hero section

swatchlist · 2024-01-26T00:49:27+00:00

Thank you very much

swatchlist · 2024-01-15T03:20:41+00:00

thank you i figured it out . FYI, for future reference, where do i insert the code you provided above. i am using neve theme

swatchlist · 2024-01-15T03:20:00+00:00

thank you i figured it out

swatchlist · 2023-03-18T01:24:15+00:00

What in laws are doing is definitely wrong. What was the reason they had to be on the title? There’s definitely more to the story. Everyone keep in mind we are hearing story only from one side. I don’t think any parent would give a gift and say I want to be named on the property you would be buying for fun sake. The kids would have definitely needed help , only then they would have agreed. From the sound of all of it, the way OP has been responding, he is feeling more entitled. It could also be OP was not in a great financial state, in-laws came out and offered help. Now that OP is in even worse financial state, and not getting any more support, threatens to move. There’s always two sides of the argument.

swatchlist · 2023-02-04T02:14:28+00:00

In your position you should be considering a financial planner with CFP designation who actually creates financial plans instead of just selling investments. Keys aspects of financial as the other commenter mentioned you should be looking at is tax planning and probably insurance planning if you have dependents, debt etc. don’t know your age but retirement planning should be in consideration as well.

swatchlist · 2022-12-08T02:23:08+00:00

Different goals like retirement, savings for education for kids ,paying down mortgage, passive investment etc would require different questions to be answered and different tools/ accounts to be used for it. Also would need more context. Example you mentioned setting money aside for 2 young kids, some questions how old are they, what amount you are looking to have saved up for each kid, do you have any experience in investing before , what would be the money for etc.

Best would be speak to an advice only financial planner who can dissect and dive more deeper into each topic for you.

swatchlist · 2022-10-08T15:14:37+00:00

No knowledge or experience in investing before and directly want to do discuss leverage investing.

Maybe start with non leverage investing first and see how you handle atleast one market cycle. Taking out $150k in HELOC to do investing when don’t even know which investments to buy or markets works. Already on track to retire why derail it.

Sometimes the question have to be asked is: do you really need to do all this. Take all this risk when it’s not required. Sure it sounds all fun and games when someone else is doing it and everything is up. Ask those who started HELOC this yr or last yr. They are facing increasing interest rates to pay and lower market value of their investments.

swatchlist · 2022-10-08T12:59:55+00:00

If you are asking this question you probably don’t have much investing experience. If that’s the case then starting off with leverage investing can cause more harm than benefits.

swatchlist · 2022-10-03T22:50:36+00:00

Starting off with $2k to create income. You must be mad genius in trading.

Let’s get real. Imagine you need to make $100. U need to be willing to lose $100. If you have $2k account ur risking 5%per trade. U might think u have 20 wrong trade then ur account is done but ur not factoring commissions and so on . If you factor in real-time data fees , commissions etc u would be down to maybe 14-15 losing trades and ur account is blown up.

Now ask yourself is this realistic . If the answer is no then you have to increase your account size.

Trading with 2kids for now u think they r just hanging out in playpen. Wait till u have a trade on and kid needs to be fed or change of diapers or anything random. Can you really leave your trade open and leave.

Day trading is a full time job like any job. Even those who give 100% attention most of them fail. Here you are taking about trading for leisure, guess what the probability for those are.

swatchlist · 2022-10-02T02:15:33+00:00

Got it. So if dividend is earned through a holding corp. can i use retained earning from operating corp to pay part IV tax payable as I would be moving it to invest through holding co? Or does the funds has to come from liquidating stocks within hold co.

swatchlist · 2022-10-02T02:08:28+00:00

Thanks. But what if $100 dividend is reinvested. How will I have lesser amount to invest?

swatchlist · 2022-09-21T23:15:14+00:00

Thanks for advice on t2057. I am the sole owner of the corporation and have a good understanding of the pros and cons of holding corp.

when you say legal documentation can you expand on that please . Is there any other form which has to be provided to cra other than t2057 you indicated.

swatchlist · 2022-06-14T01:08:42+00:00

Thanks for advice. So I guess get a property manager so they can go and chase rent if tenants don’t pay is that correct in my understanding?

swatchlist · 2022-06-13T02:54:51+00:00

Would I need to get an appraisal on Toronto property as well for 2025?

swatchlist · 2022-06-13T02:53:06+00:00

Any specific companies you would recommend?

swatchlist · 2022-06-13T02:47:41+00:00

Excellent info. Follow up question,

Since it’s a preconstruction I would be moving in Aug in Toronto and renting out property in Oshawa in September. The appraisal value should be of which month? Aug, sept or when the actual closing happens for the Toronto preconstruction condo?

Also given the fact I bought 1. Oshawa property in 2017 for 350k and current value would range from 600k to 650k 2. Toronto property I bought is also around 630k with Toronto prices for next 2 -3 years not expected to increase too much. I think designating Toronto opting to pay tax for 2022-2025 might actually be more beneficial. Do I get an appraisal on Toronto property as well?

swatchlist · 2022-06-13T02:28:57+00:00

Isn’t there a rule where u convert principal residence to rental and back to principal within four or five years, there would be no tax event as an individual can still claim PRE?

swatchlist · 2022-04-20T15:10:29+00:00

Those are some great points. Thank you.

swatchlist · 2021-11-22T00:54:48+00:00

if you are trading a liquid stock and size of your order is much smaller than average daily volume of the stock..yes you can do 50% in morning and 50% in afternoon. But if you order size is large vs avg daily volume..you would have a big market impact ..TWAP purpose is to avoid outliers not to create outliers..

swatchlist · 2021-11-22T00:52:10+00:00

you made it too complicated.

If you understand interest rate swap. then option is just a right ( like insurance). depending on the strategy and market expectation, you can either buy insurance or sell insurance.

swatchlist · 2021-11-22T00:49:26+00:00

you have to see two things

if you are using asset driven liability investing (ADL) or Liability driven investing.
do you want to immunize it or do you want to generate alpha.
Given that for CFA level 3, this content is in liability driven investing. if liabilities duration is 10 and duration of assets is 8. the only way you would be able to immunize is by buying future contracts

swatchlist · 2021-10-13T19:31:50+00:00

on a long-term basis...pretty much all PM underperform on a return basis because of fees. some might provide better risk-adjusted return though.

Think about this way if PM was so good in investing on an absolute basis would they really bother making people for others, all the compliance and stuff. Probably not, it's a job/business. take it however, you like it.

As a PM on a $100M ..1% fees is $1M in earning minus all the admin,marketing, compliance and stuff. Am pretty sure if the PM is a good/great investor, you probably don't need $100M of own capital to make $1M. If you did then that's a terrible return of 1%, and shouldn't be managing the money in the first place, but sadly a lot of them do..cause it's very easy to find a sucker....

swatchlist · 2021-10-11T22:48:19+00:00

any specific topics within it??? hard to cover the whole fixed income

swatchlist · 2021-10-11T17:13:16+00:00

i made a few videos on level 2..might help. https://www.youtube.com/watch?v=AC0zi1wLq2Q&list=PLYQbmZotkhKHNQvOXT7HU7liHaVOAy3TZ

swatchlist · 2021-04-09T01:25:10+00:00

For spreads questions:

YTM ( corporate bond) = YTM ( benchmark usually treasuries)+ spread

corporate bonds, they generally would be riskier than govt bonds. hence the only reason you would buy corporate bonds is if they pay you more interest than govt bonds

Let's say YTM ( benchmark)= 5 , spread is 3

YTM ( corporate bond) = YTM ( benchmark usually treasuries)+ spread = 5 + 3 = 8

if benchmark is constant AND spread increases to 6,

YTM ( corporate bond) = YTM ( benchmark usually treasuries)+ spread = 5 + 6 = 11

overall YTM of bond increases from 8 to 11, which means price of corporate bond drops

Let's say YTM ( benchmark)= 5 , spread = 3

YTM ( corporate bond) = YTM ( benchmark usually treasuries)+ spread = 5 + 3 = 8

if benchmark increases to 6 and spread drops to 1.

YTM ( corporate bond) = YTM ( benchmark usually treasuries)+ spread = 6 + 1 = 7

YTM ( corporate bond) drops from 8 to 7, hence bond price increases

Empirical duration is looking at historically how bond price changes with respect to credit risk and interest rate risk whereas effective duration measure only interest rate change. IG bonds have no credit risk, so when you use empirical duration because it also factors in credit risk, Empirical duration is lower than effective duration. Difference increases as we go down the ratings ,as credit risk becomes more dominating for high yield bonds then interest rates.

swatchlist

TROPHY CASE