mooo

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Well.. today is the day I finally decided to join the expert investors over at r/Wallstreetbets and I put $15k USD into GameStop.Within one hour, I was down nearly half of what I put in. It completely wiped out my past year of returns.And you know what? I’m happy that I only lost 7k (so far), and I’m willing to lose the entire 15k. It’s better to lose a small amount like that, rather than hundreds of thousands later in my life.Moral of the story: stick to ETFs and do your research before investing in these trending companies. via /r/PersonalFinanceCanada https://ift.tt/2Yg0J4A

Lesson learned: Don’t FOMO into the market.

Well.. today is the day I finally decided to join the expert investors over at r/Wallstreetbets and I put $15k USD into GameStop.Within one hour, I was down nearly half of what I put in. It completely wiped out my past year of returns.And you know what? I’m happy that I only lost 7k (so

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I am going to build my first application without tutorials. I want to do a program that will filling my simple document and making digital copy, that I can print. To do that, I need library, which allows to write strings on the specific places in image. What is the best library to do that type of things? via /r/csharp https://ift.tt/3iJsD2h

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Hello PFC,I am thinking of beginning a freelance gig and registering as a sole proprietorship. I am just now weighing the pros and cons. Currently I do very little work, but am considering buying a considerable amount of equipment and expanding operations. I have a specific question but feel free to mention anything conisdered noteworthy.​In regards to class 14.1 goods. “Properties that are included in Class 14.1 and acquired after 2016 will be included in this class at a 100% inclusion rate with a 5% CCA rate on a declining-balance basis and the existing CCA rules will normally apply. ” Can someone put this in simpler terms for me?​Thanks in advance!,CR​​EDIT #1 – Title Should Read ‘Question’ via /r/PersonalFinanceCanada https://ift.tt/3qLlPnM

Sole Proprietorship tax questions

Hello PFC,I am thinking of beginning a freelance gig and registering as a sole proprietorship. I am just now weighing the pros and cons. Currently I do very little work, but am considering buying a considerable amount of equipment and expanding operations. I have a specific question but feel free to mention anything conisdered noteworthy.​In

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For anyone who’s planning to move to Toronto or curious to see how they stack with others, here’s my spending data over the past year (2020) and the four years prior.TL;DR: you need at least 40k net (52k gross) to live by yourself and have some extras on hobbies/fun, while saving nothing (which I would not recommend!) This is 4k lower than last year, because housing (rents) came down hard and all the expensive entertainment is closed. However, groceries went up by quite a bit so I’m not spending less on food even though I ate out less.I live alone and have uncomplicated tastes. I bought a condo in 2017 and rented prior to that; the location allows me to remain car-free, using Communauto when I need some wheels. I do not make an effort to be particularly frugal.Everyone’s situation is different; more than anything, your mileage may vary on any money issues. But it would be interesting to see similar breakdowns from others, figure out where I might be overspending, figure out where I could be allocating more. Feel free to ask any questions.There is a market rent comparison since my housing costs no longer accurately represent the situation of someone who just moved to town. At market conditions, it definitely pays to rent in Toronto in 2020.Discussions from 2019 (TO, PFC), 2018, 2017, 2016A few other cost of living threads from the past year:https://ift.tt/36aSACS (27k net as a couple!)https://ift.tt/3sZZPrp (50k net)StatsCan on average Canadians’ spending in 2019Also, this year marks a 5-year streak doing this yearly post! As long as the discussion is interesting, I’m happy to keep the series alive..20202019201820172016HouseholdRent16,20016,10015,90015,70016,200Appliances/Electronics1,4202,7302,4601,5301,900Cleaning, Repairs etc5105601,4607301,290Furniture2,070506509902,150Bills55050053056071020,20019,94021,00019,51022,250TransportationCar rental, gas, parking5705080290100Public transportation4002,0001,6002,2001,800Taxis0290290310809702,3401,9702,8001,980LivingGroceries4,8002,9702,4802,7904,080Dining out3,4304,1303,0402,7801,680Clothes1,5006308004801,000Personal care470350420340480Taxes350001001,100Insurance350330410300770Phone480510520600950Health40200610300350Bank charges, fees4302501701021011,8509,3708,4507,70010,620HobbiesLeisure7401,7901,4101,4901,240Sports2201,2606701,020800Going out7001,3401,5701,130550Computers1,0402,1401,3901,3001,250Photography00080002,7006,5305,0405,7403,840Small stuffGifts280450630640300Mail, office120130404010Misc3101703502001207107501,020880430Total spent36,43038,93037,48036,63039,120LoansMortgage Principal8,0008,0007,4007,400Total net income required44,43046,93044,88044,030.Market rent ($1700/1br)20,40022,800Less appliances, repairs-1,930Net required w/market rent38,70043,930.”Rent” and cost of housing explained:20202019201820172016Rent16,200Mortgage Interest6,2006,4006,6006,800Property Taxes2,1002,1002,1002,100Condo Fees7,9007,6007,2006,800Net housing costs16,20016,10015,90015,70016,200Mortgage Principal8,0008,0007,4007,400Total housing costs24,20024,10023,30023,10016,200and, comparing to an average Canadian household (2019, so this is pre-pandemic)….ShelterTransportationFoodHouseholdRecreationHealthClothingVicesEducationMiscAverage29.3%18.5%14.9%11.5%6.7%6.0%4.8%2.9%2.7%2.7%Me54%2.1%18.5%10.2%6.1%0.9%3.4%1.0%<1%3.8% via /r/PersonalFinanceCanada https://www.reddit.com/r/PersonalFinanceCanada/comments/l3eloa/example_cost_of_living_in_toronto_during_the/?utm_source=ifttt

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Hey all,​Just one of your resident anonymous financial advisors here. I wanted to lay out some information that many of you may find helpful.For reference, I run a wealth management firm & personal income tax firm. I am IIROC licensed, life licensed, have a BBA degree and hold the CFA designation & a litany of other useless titles. This account is anonymous and is not being used to find clients, I simply ignore any DM requests related to this.I know there is a massive hate for financial advisors here, and frankly its well deserved.I wanted to talk about the problems with the industry, why they exist, and why most people have a bad experience with a financial advisor.Let me start by prefacing this and saying that I fundamentally believe 90% advisors are salespeople, 5% are scammers and 5% are actually doing a good job for their clients.Now, let’s talk about why 90% of the advisor are salespeople. Well, 90% of the clients who work with advisors have small accounts & as such pay very little.Let’s consider a median account size, of say $20,000 in a banks investment products. You might think that’s low but seriously what do you think the average Canadian has in investments? It’s likely this is in a bank’s product charging a 2.3% MER. But for this example, lets assume the advisor is independent and makes nothing on the banks end of things. Out of this 2.3% the advisor is likely paid a 1% trailer fee. On $20,000 that would pay a gross commission to the advisor of $200. Now, the advisors firm is going to take a cut of that, and it’s likely around 40% (More successful advisors pay a lower rate, we pay 20% but average is probably 40%). Meaning the advisor gets $120 per year in revenue to manage this account.Now this $120 is before they pay their staff, their rent, software costs, phone bill, internet etc etc etc. Meaning that the actual gross profit an advisor might make on this could easily be less than $50. Their team may spend anywhere from 3-10 hours per year on this account. Meaning at the high end they make $16.67 an hour and on the low end $5 per hour.This is what causes such a problem in the industry. In the first place, the vast majority of Canadians are not willing to pay for financial advice. Even if they desperately needed it. If the advisor tried to charge an hourly fee or anything along those lines, it is likely the % fee would be substantially higher for the client at the end of the day.So what does an advisor do? Well most advisors forgo spending a ton of time promoting good advice and rather collect as many accounts as they can. Since they are making next to nothing per hour of work on the smaller accounts, they have to offset this by making more on larger accounts.This is fundamentally why the majority of financial institutions do not bother fully training their financial advisor staff as it is nearly impossible to be profitable for them providing proper financial planning and advice to the majority of the population. They train them to sell profitable products instead, as the products can be profitable while the advice industry is not outside of the High Net Worth segment.​This leads to the population that most needs proper financial advice, being unable to receive it and receiving crappy advice and expensive investment products instead. As it is the only method that major financial institutions have found to make this demographic profitable.Since the majority can not afford proper advice, they receive crappy advice. Since the majority receive crappy advice, the industry as a whole provides crappy advice. The industry receives a bad reputation, which it deserves.​To give you perspective, this is what I do with a $100,000 client:We meet for 30 minutes to interview for the first time. They book a second meeting of an hour to go over the details, what we charge etc. They call us to confirm they want to move their accounts over. We send them a list of questions we need answered so we can prepare the paperwork.We spend 1 to 3 hours preparing the paperwork depending on the complexity. We then sit down and meet with the client for another hour to go over and sign off on the paperwork. We then arrange a phone call or meeting to go over the clients financial goals and objectives. This is usually an hour.Then we spend 3 or 4 hours preparing a financial plan for the client to reach their goals and objectives. Then we spend an hour going over the financial plan with our client. It likely requires some revisions, so we spend an hour making alterations to it. We then spent 30 minutes reviewing the amended plan with the client.If the client approves, we then design an investment portfolio to meet the return & risk objections from the financial plan. Average of 3 hours, some take 15 minutes, some take 20 hours+ depending on complexity.From there we sell off their existing portfolio, and buy their new portfolio. Which takes 2 hours on average. Once that is all complete we spend up to 2 hours reviewing the accounts to ensure all the money has arrived properly, the portfolio was purchased accordingly and no errors or omissions have taken place. Then we prepare the compliance paperwork for the portfolio which can take an hour.So far, 19.5 hours spent. $100,000 pays us 1%, and our dealer takes 20%, leaving us with $800 or $41 per hour. Now remember, this $41 per hour is simply my revenue. I have full time staff, rent, software costs, standard office overhead (heat, phone, internet). My share of business expenses run at about $48 per hour. My rent is only $600 a month as my business partner owns the building. Most advisors likely have a higher overhead than I do.So for this client, it has cost me $7 per hour to provide them with proper financial advice. Now, it is likely that the number of hours required yearly after this drops down to 10 hours a year. The only reason I even take on an account of this size is if they are saving regularly and I can see their account being worth $500,000 in the future as that would allow me to be profitable for managing their account.This is the entire problem with the financial advice industry. The regulatory, compliance, administrative overhead costs are so high that I can only provide proper advice to those that already have enough money. The result of all the excess costs designed to protect consumers, is worse and worse advice being given to those that need it most.​This is why the majority of financial institutions provide crappy advice, & use high fee products. It is why if you can learn to manage your financial affairs you should. However many people should note that simply because your situation is easy to learn does not mean it is easy to learn how to manage every single persons financial situation.Even with that being said, every single piece of research I have ever read has shown that investors behavioural biases detract from performance more than high fees do. Every investor assumes this is not them. Most investors are stuck between a rock and a hard place. Spend the time learning how to invest properly, do it yourself and the majority will suffer behavioural pitfalls detracting from performance. Or get lumped in with an advisor who may charge you too high a fee, receive low quality advice, but potentially eliminate some of your behavioural pitfalls. Roboadvisors can work for some people, but I still see people making behavioural mistakes with roboadvisors. Waiting to put money in until the markets at a “good point”, or changing their risk tolerance at terrible times.​This is not to say that I am complaining as an advisor, or that you can’t find a good advisor. These are all generalities and are not applicable to every situation. I can only speak in broad strokes as your situation is likely unique. I make a good income for my level of qualification and have no complaints. However I see the average advice provided by my industry and it appalls me. Its why I understand the hate for my industry in the general community.​Let me know if you have any questions, I would love to discuss potential solutions to these issues. via /r/PersonalFinanceCanada https://ift.tt/3cgmlGz

Hey all,​Just one of your resident anonymous financial advisors here. I wanted to lay out some information that many of you may find helpful.For reference, I run a wealth management firm & personal income tax firm. I am IIROC licensed, life licensed, have a BBA degree and hold the CFA designation & a litany of other useless titles. This account is anonymous and is not being used to find clients, I simply ignore any DM requests related to this.I know there is a massive hate for financial advisors here, and frankly its well deserved.I wanted to talk about the problems with the industry, why they exist, and why most people have a bad experience with a financial advisor.Let me start by prefacing this and saying that I fundamentally believe 90% advisors are salespeople, 5% are scammers and 5% are actually doing a good job for their clients.Now, let’s talk about why 90% of the advisor are salespeople. Well, 90% of the clients who work with advisors have small accounts & as such pay very little.Let’s consider a median account size, of say $20,000 in a banks investment products. You might think that’s low but seriously what do you think the average Canadian has in investments? It’s likely this is in a bank’s product charging a 2.3% MER. But for this example, lets assume the advisor is independent and makes nothing on the banks end of things. Out of this 2.3% the advisor is likely paid a 1% trailer fee. On $20,000 that would pay a gross commission to the advisor of $200. Now, the advisors firm is going to take a cut of that, and it’s likely around 40% (More successful advisors pay a lower rate, we pay 20% but average is probably 40%). Meaning the advisor gets $120 per year in revenue to manage this account.Now this $120 is before they pay their staff, their rent, software costs, phone bill, internet etc etc etc. Meaning that the actual gross profit an advisor might make on this could easily be less than $50. Their team may spend anywhere from 3-10 hours per year on this account. Meaning at the high end they make $16.67 an hour and on the low end $5 per hour.This is what causes such a problem in the industry. In the first place, the vast majority of Canadians are not willing to pay for financial advice. Even if they desperately needed it. If the advisor tried to charge an hourly fee or anything along those lines, it is likely the % fee would be substantially higher for the client at the end of the day.So what does an advisor do? Well most advisors forgo spending a ton of time promoting good advice and rather collect as many accounts as they can. Since they are making next to nothing per hour of work on the smaller accounts, they have to offset this by making more on larger accounts.This is fundamentally why the majority of financial institutions do not bother fully training their financial advisor staff as it is nearly impossible to be profitable for them providing proper financial planning and advice to the majority of the population. They train them to sell profitable products instead, as the products can be profitable while the advice industry is not outside of the High Net Worth segment.​This leads to the population that most needs proper financial advice, being unable to receive it and receiving crappy advice and expensive investment products instead. As it is the only method that major financial institutions have found to make this demographic profitable.Since the majority can not afford proper advice, they receive crappy advice. Since the majority receive crappy advice, the industry as a whole provides crappy advice. The industry receives a bad reputation, which it deserves.​To give you perspective, this is what I do with a $100,000 client:We meet for 30 minutes to interview for the first time. They book a second meeting of an hour to go over the details, what we charge etc. They call us to confirm they want to move their accounts over. We send them a list of questions we need answered so we can prepare the paperwork.We spend 1 to 3 hours preparing the paperwork depending on the complexity. We then sit down and meet with the client for another hour to go over and sign off on the paperwork. We then arrange a phone call or meeting to go over the clients financial goals and objectives. This is usually an hour.Then we spend 3 or 4 hours preparing a financial plan for the client to reach their goals and objectives. Then we spend an hour going over the financial plan with our client. It likely requires some revisions, so we spend an hour making alterations to it. We then spent 30 minutes reviewing the amended plan with the client.If the client approves, we then design an investment portfolio to meet the return & risk objections from the financial plan. Average of 3 hours, some take 15 minutes, some take 20 hours+ depending on complexity.From there we sell off their existing portfolio, and buy their new portfolio. Which takes 2 hours on average. Once that is all complete we spend up to 2 hours reviewing the accounts to ensure all the money has arrived properly, the portfolio was purchased accordingly and no errors or omissions have taken place. Then we prepare the compliance paperwork for the portfolio which can take an hour.So far, 19.5 hours spent. $100,000 pays us 1%, and our dealer takes 20%, leaving us with $800 or $41 per hour. Now remember, this $41 per hour is simply my revenue. I have full time staff, rent, software costs, standard office overhead (heat, phone, internet). My share of business expenses run at about $48 per hour. My rent is only $600 a month as my business partner owns the building. Most advisors likely have a higher overhead than I do.So for this client, it has cost me $7 per hour to provide them with proper financial advice. Now, it is likely that the number of hours required yearly after this drops down to 10 hours a year. The only reason I even take on an account of this size is if they are saving regularly and I can see their account being worth $500,000 in the future as that would allow me to be profitable for managing their account.This is the entire problem with the financial advice industry. The regulatory, compliance, administrative overhead costs are so high that I can only provide proper advice to those that already have enough money. The result of all the excess costs designed to protect consumers, is worse and worse advice being given to those that need it most.​This is why the majority of financial institutions provide crappy advice, & use high fee products. It is why if you can learn to manage your financial affairs you should. However many people should note that simply because your situation is easy to learn does not mean it is easy to learn how to manage every single persons financial situation.Even with that being said, every single piece of research I have ever read has shown that investors behavioural biases detract from performance more than high fees do. Every investor assumes this is not them. Most investors are stuck between a rock and a hard place. Spend the time learning how to invest properly, do it yourself and the majority will suffer behavioural pitfalls detracting from performance. Or get lumped in with an advisor who may charge you too high a fee, receive low quality advice, but potentially eliminate some of your behavioural pitfalls. Roboadvisors can work for some people, but I still see people making behavioural mistakes with roboadvisors. Waiting to put money in until the markets at a “good point”, or changing their risk tolerance at terrible times.​This is not to say that I am complaining as an advisor, or that you can’t find a good advisor. These are all generalities and are not applicable to every situation. I can only speak in broad strokes as your situation is likely unique. I make a good income for my level of qualification and have no complaints. However I see the average advice provided by my industry and it appalls me. Its why I understand the hate for my industry in the general community.​Let me know if you have any questions, I would love to discuss potential solutions to these issues. via /r/PersonalFinanceCanada https://ift.tt/3cgmlGz

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I just wanted to share what I consider a parenting success story. My wife and I have been giving $20/week to our 11 and 8 year old every Saturday for some time now. Not tied to chores or grades or anything, nor did we put restrictions on what they could buy. Our goal is to teach them about managing their money and what it means to spend it. For a long time, we rarely had to physically hand them paper money because as soon as payday rolled around, they’d want to buy something for one of their digital games. Sometimes they’d even ask for an advance, which we refused. Once you spend the money, it’s gone. They’d almost always spend their money on some skin or in-game currency on a game, get bored with that game, and then move onto the next one. Wash, rinse, repeat.Recently, my 11 year old has been saving most of his money to buy a laptop. The last time we sent him to the grocery store (we live 2 blocks away in a small town), he even bought his brother a treat because his brother had spent all his money for the week. It has been so satisfying to see him create a financial goal and a plan to reach that goal instead of spending his money just because he has it. It’s cost us hundreds of dollars, but I feel it will save him thousands or tens of thousands of dollars by learning this lesson before he lives on his own. We are fortunate enough to have the cash to give to the kids, so I understand this isn’t something everyone has the luxury of doing. I wasn’t 100% sure how this would turn out, but I am glad we gave it a try. via /r/personalfinance https://ift.tt/2XRArFJ

Teaching My Children about PF

I just wanted to share what I consider a parenting success story. My wife and I have been giving $20/week to our 11 and 8 year old every Saturday for some time now. Not tied to chores or grades or anything, nor did we put restrictions on what they could buy. Our goal is to

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I used to practice law but got tired of clients, so I quit and started tutoring online. Mostly for standardized tests: SAT, ACT, GRE, LSAT, and GMAT. A good amount of math as well. I was planning on just tutoring to make ends meet until I figured out what I wanted to do next, but it took off almost immediately and within a month I was making more than I ever did practicing law. The tutoring was mostly online, so I decided to start traveling. That’s what I’ve been doing the last 4 years and I’ve visited 30+ countries in that time – all while tutoring online.I’ve been bored with the tutoring for a while though, and at the end of 2020 decided to take 2021 to figure out what I really want to do. So I quit tutoring and planned out some things to try throughout the year. First up was harvesting cilantro with migrant field workers.I wanted to do this first to get a sense of what “real work” is: work that is back breaking and tedious. I also wanted experience with work that I’m 100% certain is beneficial to society. When I was practicing law and tutoring I always struggled with a sense that it was work that didn’t really matter. I was just helping shuffle money between corporations and helping students with the rat race of admissions – not truly teaching them anything. With harvesting cilantro I’m confident that I’m providing actual sustenance and flavor to society.I started a Substack to document my journey if you’d like to follow along. In the meantime, I’d love to answer any questions you may have. via /r/IAmA https://ift.tt/2KkshCC

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Back in 2004 I decided to go back to university for another science degree (biology). For some reason I forgot to submit my T2202 forms for the tuition and textbook refund.Totally by accident I discovered my mistake a few months ago. I contacted the university to send me the T2202 forms for the period 2004 to 2011 (the degree took a long time because I did it part time while I was working).Then I called CRA to see what to do. The person I spoke to was super helpful, explained what to do, and emailed me all the forms I needed to fill out. He also said to send a cover letter explaining what happened and asking for Taxpayer Relief because they only have to go back 3 years.A few months later they sent me my tax refund for the full amount – over $4000. They didn’t have to, but they went back 16 years to amend my tax returns.No one likes to pay taxes, but I’ve never had a bad experience with the CRA. Thanks.EDIT: Thanks for the karma guys. I gotta say, I never would have thought saying something nice about the CRA would get more upvotes than posting a cute kitty-kat video. (lmao) via /r/PersonalFinanceCanada https://ift.tt/39BxOxc

https://ift.tt/1CXmva1 via /r/todayilearned https://ift.tt/2XGr3Vo
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