Donate it? Particularly if there are any organizations that help people to get to interviews, I imagine it would be of use?
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Etsy.
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I had used Cardpool in the past to sell gift cards I couldn’t use. I went to see if they take Uber cards, and it looks like they are gone but have these recommendations:
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Tumblr or Instagram, but for fandom stuff I’d look on Tumblr first. (Note that I have no idea how to find specific things on Tumblr–I just see commissions being advertised there a lot.)
I have been having slight pain at the back of my left foot when I stretch (the type where I touch my toes) the last couple of days. I just noticed there is a small lump there. Now that I’ve noticed it, it hurts all the time. Do I have a horrible growth or have I just over-stretched myself?
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Hm, they remind me of a type of hellebores…?
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Those are beautiful.
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That seems exactly correct, thanks! I just noticed that these are in gardens all over my neighborhood miles apart, I didn’t realize they were so popular. After googling they are cold hardy, perennial and thrive in shade so I think I’m eventually going to spend about $35-50 to buy an already flowering shrub that can live in a corner of my apartment away from the windows
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Every year I think about ordering hellebores because of how hardy they apparently are! It sounds like a plan to me!
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We’re first-time homeowners buying homeowners insurance. Wild! Do you all have thoughts on buying from a big corporation vs. a startup like Hippo when benefits are comparable? I’d rather not use a startup even if it’s a little cheaper because I feel like there are more likely to be surprises down the road (vs. a corporation which will be annoying in more predictable ways), but I could be off base. I have an impressive list of “things I’ve been wrong about!”.
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I know nothing about hippo. We have car insurance through metromile and I’ve been pleased with the rate and the service when our car was stolen (and subsequently returned).
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Oh, what a nightmare! Glad they were helpful with such a stressful situation.
Do you also have auto insurance? It’s usually cheaper to get a bundle discount for both. That doesn’t necessarily using your current auto company for home insurance, but that you should shop for both at the same time.
I’ve never used a startup insurance company, so I can’t comment on that part.
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I need to rebalance our investments (aiming for our stock exposure to be 1/3 Cdn, 1/3 US, 1/3 rest of world), and tax-efficient allocation strategies are complicated. And I don’t know what other thread to put this financial question into 
Should one put bond etfs in tax advantaged accounts (RRSP)?
- advantage, limit the growth of RRSP account, which will have minimum withdrawal requirements, which can be unhelpful when you’re trying to manage income levels for various gov’t programs or you want to stick within a certain marginal tax rate
or put bond etfs into taxable space?
- the shadowy one has very little income, so the dividends aren’t heavily taxed
- limits the drag of taxes on dividends for US or International index funds and lets them grow in the tax deferred space (but again, not much getting taxed at the shadowy one’s rate)
or just dump bonds completely because interest rates are so low?
- this seems wrong. I started out with the standard 60/40 two decades ago, and these days am 80/20, but it seems going to 100% stocks would not be responsible. But is this just received wisdom that is no longer appropriate given the likely interest rate environment?
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I personally dont do bonds, but it’s about comfort levels and investment philosophies.
If minimum withdrawals from RRSPs are a concern, calculate the hell out of it all. You can’t know future tax rates and personal exemptions and stuff, but you can do your best with today’s numbers. If it ends up a little bit over you can make donations to get under the threshold, right?
I only put Canadian dividend stuff in taxable accounts because domestic dividends are taxed at a much lower rate than international. Across all my accounts I have a balanced portfolio, but if you look at them alone the TFSA and RRSP are heavily weighted to international funds.
Remember that TFSA withdrawals are non taxable and don’t count as income so those won’t contribute to your total income in retirement.
Canadian couch potato is a good resource for this stuff.
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thanks, I’m reading too much of
vs.
We put Canadian dividend into taxable for the same reason as you, all under the shadowy one. The problem is, we now have too much Canadian equity exposure, so we need to put something else in taxable.
TFSA is only US & International equity. I understand if we were being perfect, we’d put the US into RRSP in USD through Norbert’s Gambit and get the foreign withholding back, but that is outside our comfort level atm.
And worrying too much about the minimum withdrawals is probably silly given that the clawback doesn’t start until ~80k.
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If you were trying to save a bucket of money for a specific reason and wouldn’t need it for 3-5 years, possibly longer, would you put it in the market or in a regular savings account?
Wondering if I’m being too conservative. In addition to my Roth (which I know I can withdraw from) I also have a Vanguard brokerage account but it only has like $200 in there, I opened it a while ago and then just sort of let it sit and forgot about it. I honestly don’t even know what funds it’s invested in - if anything! If I did do this, is it better to put it into the Roth or into the brokerage account?
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I suspect that there are more sophisticated ways of doing it, but my way has worked.
I don’t rebalance, I just buy in the way that adds balance when I contribute.
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Agreed. I much prefer reallocating though contributions, I think it is the smartest way to do things. I hadn’t realized how out of whack the Canadian equities had gotten over the year.
and to your point, deciding how much sophistication/optimizing is actually worth it.
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I am in the US and have completely dumped bonds many years ago. They have absolutely sucked. I consider Social Security and my pension as my “bond” allocation. I am also OK with being a bit cash heavy.
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