Thanks, I'll check that out!
Yup, CBIL pays out a monthly dividend and resets to ~$50.
Good point, I'll have to see how taxes on those dividends affect the final amount.
Optimal strategy to allocate stocks and bonds between TFSA/RRSP/non-registered?
This is my scenario:
TFSA is maxed and has the emergency fund in CBIL. I have roughly equal money in RRSP (maxed) and my non-registered account.
I like to keep my overall portfolio at 50% stock ETFs (primarily VFV) and 50% low duration bond ETFs (primarily CBIL). I understand that this is a sub-optimal allocation, and I'm okay with that. This is thanks to childhood trauma from growing up too broke, and I'll make up for the lower returns by spending less and investing more.
So far, I've kept VFV in my RRSP and CBIL in the non-registered account.
However, I've been wondering if it'd be better to switch the two around: Buy CBIL in the RRSP account and buy VFV in the non-registered account.
PROs:
- CBIL-RRSP will grow less than VFV-RRSP -> lower "income" in retirement -> lower tax consequence.
- VFV-non-reg profits will be taxed at the 50% (maybe higher in the future) inclusion rate.
CONs:
- Can't think of any at the moment. Help?
I'm also considering switching the TFSA to hold
Yes. Hence the rest of my comment. I should've probably put a "/s" at the end. :)
We could have markets run the hospitals but heaven forbid people would consent to their economic interactions.
"Hello! My mother is clutching her chest. She may be having a heart attack. Could you please email me an estimate for the treatment? I'm talking to two other car dealers, and I've read all the posts about the 4 square method online, I'm on to your tricks."
You do need some checks and balances because what's to stop a hospital from profiting off the insurance companies by asking for a CT scan/whatever of every single patient just because they can.
I suppose we could have the government run the hospitals too. But noooooo, that's never going to work out because communism or something.
Maybe we should try effective altruism and accelerationism instead? Let's just hand over all our money to a few tech bros and then we can go beg them to pay for the scans. And if they don't pay for it, surely someone will come up with a cheaper technology to do the same. Yes, that'll definitely work.
I'm new here, and I've been calling it "go-dot". What's the correct pronunciation?
Nope, there's no screw or anything mechanical holding it in place.
Thank you for the advice.
How to fix this glass that is no longer in place?
Hey, apologies if I'm not using the correct terms, I'm going to do my best to describe the issue.
This is a photo from my shower. There's a glass "wall" and a glass door. The door is connected to the glass wall by a hinge. The glass wall was glued to a metallic frame but it looks like the glue is not holding it in place anymore.
Is it a DIY job for a new homeowner after the millionth thing broke down this month and is ready to step into traffic? Or should I just hire someone? What profession am I even looking for to get it fixed?
If it's an easy enough fix, what keywords do I use t
Bro, which company expected you to do a take home assignment that took 2.5 months? Name and shame the fuckers.
Solar, wind, and nuclear energy: are we a joke to you?
Permanently Deleted
I had to get a new battery for my OP6T after using it for over 5 years - exclusively charging it using the fast charger. I'm sure that I can get another 3 years out of this phone, at the very least.
The battery + replacement service fee was around 40 USD.
I don't expect much more from the battery TBH.
The ads come at different entry and exit points for every user.
They're not referring to the YouTube ads, but the "let's take a minute to talk about today's sponsor nordvpn that I used on my trip to Antarctica." This is a part of the video file itself, and it starts and ends at the same time for all users.
solely for being nazis
At what point do you think it's okay to punch a nazi?
I just checked out fWallet and it doesn't support importing random PDFs so that's a huge downside to me since a lot of events I attend only send a PDF with barcodes/QR codes.
Remember when realtors were allowed to self regulate?
Okay, I'm convinced. 😂
How are China's stringent lockdowns explained in this conspiracy theory? Also, where do I sign up as a member?
Awesome, thanks!
Where does something like "use a DC motor to build a tiny little fan" stand, in terms of safety?
Thanks, fire safety concerns have definitely played a major role in why I haven't actually started building stuff. I'll keep this in mind.
What are the best resources for getting started with hands-on electronics and robotics?
Background: I took some 100 and 200-level courses on electronics in college over a decade ago. I still remember some stuff (Ohm's law, Kirchoff's law), and I can recognise the basic parts in a circuit diagram.
I am also happy to pick up a beginner friendly text book and go through the theory by myself, if there are any recommendations.
However, I've never even held a soldering gun. I am a blank slate when it comes to any practical applications. I get overwhelmed trying to figure out what kit to order on Amazon.
So, is there a course/tutorial you'd recommend for learning the hands on parts of it? I'd prefer as much handholding as possible. Ex -- if someone sells all the components to finish the projects in the course that would be the course I pick.
Why do people complain about multiple streaming platforms existing?
People (including me) complain about monopolies all the time for various reasons. At the same time, I've noticed a ton of complaints about the existence of multiple streaming platforms. But isn't that a good thing at the end of the day? If streaming platforms consolidated into 2-3 companies, there wouldn't be much stopping them from raising prices even more.