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Decide what you want, your old PBR, notice, an apology or hollow promises.
Tell the manager you're not happy and ask them if there is anything they can do. If you're valuable they'll do something,...

I've got an idea where my returns are, for some investments I know precise values, others I'm a bit more vague. Overall I'm somewhere around the stock market indexes
In reality it doesn't really...

I don't get your argument that CMHC insured mortgages are somehow "government support".
Can you elaborate on this? When I bought my house, I used private insurance.

When I bought my house it was initially about 2000% (yes about 20x) my net worth and has slowly shrunk down from there.

I know people who were still paying off student loans when they bought their...

I think you should consider either full, immediate taxation, or "reasonable" taxation, depending on what you want.

Comparing untaxed or sufficiently illiquid investments is just for bragging...

What is the "poverty level income"? Most Canadian advocacy groups use LICO, which isn't the poverty line.

"Statistics Canada has clearly and consistently emphasized, since their publication began...

#1 is a bit big to tackle in a short post.

#2 CMHC insurance is paid for by some customers, there is also private competition here. Really the purpose of the insurance is to protect the bank. But...

What is to come clean about?

The central banks ensured liquidity during the financial crisis. Everyone knew they were doing this.
It wasn't secret and that's not quite a bailout, it isn't like...

You need good rules.

"I think they're cool" isn't enough.

I'd consider VT and be lazier for a slightly higher MER.

What I was trying to explain is how it is a direct loss for you every year, and statistically it is, and it pretty much must be.

As far as being self-insured, for small claims I am, for large...

Bitcoin is simple, instead of an arbitrary rare metal being "valuable", it's an arbitrary rare series of numbers.

Except there is some utility to precious metals, there is no utility to bitcoin,...

Premiums are simple
Premium = Expected cost + Admin + Profit.

The insurance company is better at predicting expected cost than you are.
You're statistically ahead NOT getting insurance.
They're...

That's the reason they give you a discount. It matters what your insurance philosophy is, if it's for catastrophies I'd go as high as possible.

Many of the "free" ETFs are ETFs I don't want to own.
Personally I'm a fan of the TD efunds, they have the selection I want and really low fees. Though some of the standard index funds are getting...