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    Yes, VIU (developed outside N America) is looking...

    Yes, VIU (developed outside N America) is looking at almost two and a half percent. VWO (EM) is at >1.1% if we count in CAD; thats not all that different from US ETFs. Canadian ETFs are up but not...
  2. HELOC (home equity line of credit) is a type of...

    HELOC (home equity line of credit) is a type of "Home Equity Loan". There are two types: open and closed. HELOC is the open type, which means that you can repay the borrowed amount at any time.
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    The issue isn't that the DIY/ETF dividends aren't...

    The issue isn't that the DIY/ETF dividends aren't reinvested instantaneously. Nor is it that the rebalancing doesn't always occur the second percentage allocations are out of alignment. These...
  4. This is a fascinating case. How can anyone...

    This is a fascinating case. How can anyone actually living in Canada be so divorced from the real world? There must be some kind of personal financial issue here combinined with psycological...
  5. Now back to the real world: - while Canadian...

    Now back to the real world:

    - while Canadian RE is highly regionalized, and the market is different for different type of housing, there has been a massive jump in the prices of detached houses...
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    Like I say, don't monitor the steps. However the...

    Like I say, don't monitor the steps. However the watch is set to a target of 10,000 - it's the preset option. When I go for long walks or runs, after ~6km it starts the "celebration" for reaching...
  7. Well said! Now click the "Start" button to shut...

    Well said! Now click the "Start" button to shut down the computer and watch the sun rise in the west.
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    Do find find it and I will take you up on your...

    Do find find it and I will take you up on your accuarcy bet. You are going to lose though because Fitbit talks to the GPS. It also measures pulse and does a bunch of other interesting little tasks,...
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    Fitbit is absolutely accurate for measuring...

    Fitbit is absolutely accurate for measuring distance and good enough for the heart rate (and you don't have to put anything around your chest). Pretty good for measuring sleep.

    I have a strong...
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    Never been to either but will make sure to check...

    Never been to either but will make sure to check it out if the opportunity comes up.

    Parisian suburbs do have good regional food but anywhere between Eiffel tower and Sacré-Cœur French...
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    The one thing I never found in Canada is...

    The one thing I never found in Canada is fish&chips that is as good as the English version. Tried a few... Maybe I've been unlucky.

    In general, find it peculiar when someone goes on about French...
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    English food does not suck, that's just BS,...

    English food does not suck, that's just BS, usually coming from people who never been to England or havent been anywhere but London, which is the same thing.
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    Yes, industrial revolution. That was when people...

    Yes, industrial revolution. That was when people thought that machines would replace human labour but it didn't turn out like that.
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    Let's do Oakville: Buca Di Bacco (excellent...

    Let's do Oakville: Buca Di Bacco (excellent comfort Italian food, live music); Jonathans, Olivers and Seasons (these 3 are quite fancy up market restaurants), Julia's (again, a really nice Italian),...
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    The word we are looking for is "spoilt". On a...

    The word we are looking for is "spoilt".

    On a macro scale, can you imagine those in their 20s feeding the rest of the country who is either wearing nappies or has retired? People between ages 20...
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