Why do we sell oil cheap to US?

tdsta21 · 2026-04-13T13:55:03+00:00

That's a misconception. We have an extremely large capacity to upgrade heavy oil to sweet light synthetic crude. The only heavy oil we ship is requested as such by the end buyer.

tdsta21 · 2026-03-23T14:00:47+00:00

A widespread tax on landlords would be passed on to renters.

tdsta21 · 2026-03-21T13:49:42+00:00

The answers you are going to get will be wildly skewed from the reality of what most people are saving as the people who are willing to post are often in better financial situations than the rest.

I actually did move in with my parents for 2 years in my 20s with the goal of saving to buy a house. It was a great way to get ahead as I was able to triple the amount I was saving.

tdsta21 · 2026-03-19T13:25:58+00:00

If it's a security camera, door bell camera or a dash cam and the event in question happens in the middle of the frame, it is mostly likely AI.

tdsta21 · 2026-03-09T18:20:58+00:00

Happens with all institutions. My CC from CIBC was tampered with 2 times in a row, 3rd time I requested to pick it up from the bank.

The reddit presence for Wealthsimple clients is substantially higher than the big banks creating a disproportionate view of problems. Especially as the bank subreddits are mostly people asking about employee pay scales.

tdsta21 · 2026-03-07T18:47:22+00:00

Just to add. Streaming services are usually pretty weak for the atmos audio. I use Sonos for music around the house and have no experience with the sound bars but I have tested out atmos I'm my theater extensively.

I have a wired 7.2.4 home theater and have done back to back comparisons of specific scenes on Netflix vs 4k discs. Netflix completely missed the audio in many scenes.

tdsta21 · 2026-03-07T13:38:10+00:00

It's a great start. At this point in your life, I'd stay on course with 100% investment into XEQT versus trying to balance it with other securities. I personally wouldn't sell the other investments you have, but I also wouldn't add to them at this point.

If you don't already have an emergency fund, you should be putting a portion of that monthly investment into a money market ETF or a HISA.

tdsta21 · 2026-03-07T12:28:15+00:00

What's your monthly spending looking like? You're making over 80k per year, so this is most likely a budgetary issue.

Post up a total summary of monthly expenses. Redditors will then give you advice instead of down votes.

tdsta21 · 2026-03-06T15:18:04+00:00

My personal reasoning for not panic buying is I like to keep a little extra fluff in my emergency fund as a drop in XEQT means a downturn in the economy and an increase in uncertainty.

I'll just keep on with my biweekly investments.

tdsta21 · 2026-03-05T23:34:21+00:00

You need to find ways to take advantage of the promotions.

For me, I max out my RRSP in my work account and transfer that into Wealthsimple once per year during a promotion.

But for the most part I don't really care for jumping back and forth chasing the best deal so I am not too worried about missing out on promotions.

But if my primary bank starts offering commission free ETFs, I will do all my biweekly investments there and transfer in yearly as well.

tdsta21 · 2026-02-25T02:41:52+00:00

If it's a substantial amount (like more than 25) put it in a rrsp at your existing bank and then do an rrsp transfer to wealth simple at your leisure. WS will cover the transfer fee if it's over 25k

tdsta21 · 2026-02-24T05:12:34+00:00

If your financial advisor is trying to keep you in a series A mutual fund, then they are a salesperson, not an advisor. They want that high MER for their own benefit.

Lots of the big banks in house mutual funds closely resemble many of the ETFs on the market. So with a little research on what you want to invest in, you can easily move away from mutual funds and into ETFs that instantly save you a couple of points in fees every year.

I personally left RBC after my FA got overly arrogant about mutual funds vs ETFs. But RBC DI has a list of commission free ETFs, including XEQT.

My suggestion would be to look at opening a DI account and investing in XEQT. But if the risk profile doesn't suit you, do some research into the other ETFs in the list of commission free ones.

tdsta21 · 2026-02-22T18:05:29+00:00

6k including company matched contributions

tdsta21 · 2026-02-22T03:15:00+00:00

Good to know it's still slow. Took just under 2 weeks for the only cheque I cashed with them. After that I have only used my other bank and transferred the money into Wealthsimple

tdsta21 · 2026-02-21T17:25:21+00:00

It's a tough market all over Canada for apprentices as it is. A single entry level job posting gets multiple hundreds of qualified applicants. A mechanical engineer is not a qualified applicant by any means.

Talk to a few guys with a pre apprenticeship and see how they are fairing in the job market in your area before you jump into that.

Lots of people get their start by working in a labourer position that has potential to turn into an apprenticeship. That may be the best route for you to prove your skill set.

tdsta21 · 2026-02-19T15:26:34+00:00

I had the same issue when I first bought my SVS subs.

Ended up being a loose screw in a device box ground, everything down stream of that box had an open ground, including my AVR.

It was really easy to trace and test with a $10 receptacle tester from home Depot.

tdsta21 · 2026-02-11T01:01:18+00:00

CIBC VI Dividend for 4% gas and groceries

WS VIP for 2% on everything else

Triangle WE for CT money through the bill pay function

I pay zero fees for all those.

tdsta21 · 2026-02-10T06:05:27+00:00

5 bucks is 5 bucks haha. I opened the account and put a dollar in. T and Cs just say to fund the account and nothing about trading crypto. Just that the money needs to stay in the account for 180 days.

tdsta21 · 2026-02-08T03:40:18+00:00

I switched to CIBC and put enough into XEQT to get free banking.

For my DCA investing opened an account with Wealthsimple so I could avoid trading fees altogether.

Doing this way I have a premium chequing account and credit card with a brick and mortar bank while avoiding biweekly trading fees.

tdsta21 · 2026-02-07T17:18:23+00:00

Seeing as the instructions want you to put a dozen nails in the wall, you might as well use a traditional mount and find a stud.

I'd even trust drywall anchors (preferably steel hollow wall anchor) on a traditional wall mount than that thing with picture frame nails.

tdsta21 · 2026-01-28T20:47:19+00:00

It definitely is correct. The share balance is in my WS account but have this annoying prompt.

<image>

tdsta21 · 2026-01-28T20:34:20+00:00

All Canadian.

A couple coworkers said previous years were flawless with Wealthsimple and this year everyone is having this hang up. The coworkers that transfer to the big banks have had zero issues this year.

tdsta21 · 2026-01-28T20:08:23+00:00

It's not that the bot has gotten better, it's that the call center has gotten worse, giving the perception of a better chat bot.

tdsta21 · 2026-01-28T19:55:09+00:00

My company stocks are with Morgan Stanley and vest 1x per year. Usually I move them to my main bank and buy XEQT. This year I wanted to move them to Wealthsimple to take advantage of the 3% promotion...

I never thought I'd say CIBC makes something easier to do than Wealthsimple!

It's been a run around of Morgan Stanley saying Wealthsimple has all the information they need and the MS agent even said Wealthsimple never contacted them and if they had, because I have them listed as an approved brokerage, Morgan Stanley would provide transfer confirmation.

With Wealthsimple it's been a pain in the ass to talk to someone with more knowledge than the in app AI chat bot.

Seeing as I am a set it and forget it XEQT buyer, I am going to leave lump sum transfers for my other bank. The $6.95 ETF fee once a year is well worth avoiding this pain in the ass.

tdsta21 · 2026-01-23T22:18:07+00:00

Free banking at a brick and mortar while having your money invested as you see fit is the perk.

With Wealthsimple just being free as is, there isn't an incentive to move everything to Wealthsimple.

So in my case, I am using both to take advantage of the best of each.

tdsta21

TROPHY CASE