link? or details?
I just finished reading up on the end to the postal strike, and I have more questions than answers still
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imo another reminder to not compromise your values, because they wonāt appreciate it, and will throw you under the bus in an attempt to save their own skin
Iām not saying she was a good minister or not, the difficulty in finding material that isnāt exceptionally biased is beyond me these days. But to go out with that sort of letter says a lot.
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I have paid zero attention to her previously but I LOVE this letter. It also has a nice tone of āfed up with Trudeau but not a facist? Let me runā
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He was always going to turn on her. Hopefully she had full awareness of this.
She has her dignity, curious for the analysis to come of what else she gained in her time as a high profile Trudeau loyalist.
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In quirky observations, I have always admired the outfits she puts together. She manages to look classy, put together, and donāt fuck with me all at once.
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Agreed. Sheath dresses & daily gym workouts. 
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Anyone see the press conference the premiers held today? They met the last couple of days re: the American/Canadian situation. I was happy to see a united front.
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I think the answer is no, but is anyone here currently using a fund like cash.to (Global X High Interest Savings ETF - Global X Investments Canada Inc.)
Iām thinking about shifting some of the rrsps to it for safety for 9-12 months before we need the money to help cash flow living expenses. Otherwise we need to take it as a taxable event this year, or do a registered transfer thing, which neither of us wants to make the effort for.
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I have some units of CASH.TO. Any particular aspect you have questions about?
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was there anything that surprised you in how it works? do you have it set up to automatically reinvest the distributions?
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I manually reinvest the distributions (though 3-5% is high for what weāve gotten used to in the past two decades, it doesnāt really end up being that much on a monthly basis, I find!)
No real surprises, itās like a bond fund (monthly interest) except the unit price follows a predictable pattern (going slightly up throughout the month as interest is earned, then re-setting to $50.00 after the ex-dividend date).
I havenāt tried selling or pulling money out of my brokerage yet so no experience to share on those. But Iāve been happy enough to park my cash there (though should probably invest anything not short term, as interest rates keep falling).
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Update on PC Money: I encountered some obstacles in funding my account. Turns out it couldnāt really be done until I received the card they were sending me in the mail. The first attempt was returned to them. I can only imagine itās because I didnāt include my box number in my address, perhaps because there was no field for that, perhaps because it wasnāt clear they needed an actual mailing address, as opposed to just my address. When I got that cleared up, there was the postal strike. Iāll pursue it at some point soon. Meanwhile, I took my money out of my Tangerine account and transferred it to my chequing account, all ready to be transferred to the new PC Money account. When this PC Money thing was proving to be more complicated than expected, I transferred back to Tangerine. So I missed out on pennies, maybe even nickels, of interest in the piddly Tangerine savings account.
BUT - and this is what I consider the important part - when I signed up for PC Money, I somehow found that Great Canadian Rebates was offering me $50 for doing so. I had completely forgotten about the existence of Great Canadian Rebates. And that worked out - I just transferred $50 from PayPal to my chequing account.
So the talk of piddly interest at Tangerine on this thread prompted me to take action and Iām about $49.95 ahead now. Neat!
(Also, I just transferred $7000 from Tangerine to my regular chequing account, in anticipation of funding my TFSA account for 2025. This will make my āemergencyā fund $7000 less. I may or may not top it off later in the year.)
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I cashed out some of my TFSA in 2024.
$4000, plus $311.18 in interest.
Can I replace $4000 today, or can I replace $4311.18 today?
**Edit - Iāve replaced the $4000 this morning, plus this yearās annual limit. so if I put the $311 in and Iām not supposed to, I will go over.
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You are correct, you will overcontribute if you put the 311$ in your TFSA
Edit:
No Smacky is right. If your TFSA was full and you removed 4311 in 2024, in 2025 you can put 4311 + 7000
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I think you can replace the entirety of what you withdrew. Just to be safe wait for your cra website to tell you how much space you have.
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I agree. But I think they watch to see if you are using that to churn. AKA donāt do a pattern of withdrawing in December and depositing in January or they will end that like they ended the ability to day trade with TFSA.
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Does anyone have a link to a list of non-perishable products that normally have HST in Ontario but are exempt until mid-February? Iād like to keep an eye out for sales and stock up on various things while there is an additional 13% saving. Iām thinking of things like toilet paper, laundry detergent - that kind of thing - but Iām not sure off hand which ones normally have HST on them because my purchasing decisions are not influenced by that (i.e. I will normally buy and use the same amount whether or not the product has HST charged on it). I can obviously look it up but just wondering if someone else has already done so and/or has any suggestions on how to make the most of this tax holiday. I have a lot of room to store things, and free time in the coming weeks to shop and basically stock pile a bitā¦ I also have time to look this up so if someone wants to pipe in with āI donāt know either but Iād be interested in the answer,ā then I can look into it and report backā¦
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It doesnāt seem like those items are on the GST Holiday list.
https://www.canada.ca/en/services/taxes/child-and-family-benefits/gst-hst-holiday-tax-break.html
Youāre right Candygirl. I guess that was really easy research. The only thing I can stock up on is snack food that would normally be taxed, like chips. That doesnāt seem like a particularly good idea. Though I may do it anyway.
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Stock up! I my go out for another pizza since the last one was so good for my contribution.
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