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Viewing profile - quadraphonic

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quadraphonic
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Joined: Tue Apr 10, 2007 8:19 pm
Last visited: Mon Apr 30, 2007 8:58 pm
Total posts: 20
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 9 Posts / 45.00% of user’s posts ]
Most active topic: Just getting started...
[ 6 Posts / 30.00% of user’s posts ]

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Location: Sherwood Park, Alberta, Canada
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quadraphonic Posts

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 Forum: Personal Finance   Topic: best Canadian rewards credit card?

Posted: Wed Apr 18, 2007 10:32 pm 

Replies: 9
Views: 7474


I have a CIBC Aerogold card.. there is an annual fee which pretty much excludes this from most peoples lists, but I like the aeroplan program with Air Canada and can certainly make use of the points for relatively free air travel.

 Forum: Personal Development   Topic: Life after debt...then what?

Posted: Mon Apr 16, 2007 9:11 pm 

Replies: 34
Views: 45732


Sounds like a completely different market then. I'm sure there are alternative options, but in the short term it sounds like you have to bear with the higher mortgage payments. I guess when it comes down to it, if you're where you want to be, and doing what you want to do, the cost is worth it.

 Forum: Personal Development   Topic: Life after debt...then what?

 Post subject: Re: Debt-free
Posted: Mon Apr 16, 2007 6:52 pm 

Replies: 34
Views: 45732


I don't plan on ever being debt-free, at least not before I'm 70. The only debt we have right now is for our mortgage. But we live in Vancouver, where, when we move to a house, it's going to cost at least $900k for a fixer-upper. We had set out with the goal of eventually being mortgage-free and we...

 Forum: Personal Development   Topic: Life after debt...then what?

 Post subject: Re: Debt-free
Posted: Sun Apr 15, 2007 3:43 pm 

Replies: 34
Views: 45732


I don't plan on ever being debt-free, at least not before I'm 70. The only debt we have right now is for our mortgage. But we live in Vancouver, where, when we move to a house, it's going to cost at least $900k for a fixer-upper. We had set out with the goal of eventually being mortgage-free and we...

 Forum: Personal Development   Topic: Life after debt...then what?

Posted: Fri Apr 13, 2007 9:11 pm 

Replies: 34
Views: 45732


I just became debt-free, though more by chance than anything. We did very well on our first property and made enough to nicely furnish our new home and pay all non-mortgage debt (student loans, car loan, and line of credit). Right now my 1-2 year goal is to heavily contribute to my wife's RRSP (maxi...

 Forum: General Discussion   Topic: I have a theory, and I need your help!

Posted: Fri Apr 13, 2007 9:04 pm 

Replies: 4
Views: 6095


Certainly worth checking in to.. though I suspect my prices will be out of whack anyway since I'm in Canada.

On a related note, I'm having a heck of a time finding your recommended whites at my local liquor stores. I was really hoping to try them too.

 Forum: Personal Finance   Topic: Just getting started...

Posted: Fri Apr 13, 2007 9:02 pm 

Replies: 12
Views: 10830


Well I looked at some of the CIBC mutuals and most of the ones I was considering haven't been around for 10 years. They're all at the 5+ year mark. Despite that fact, it still sounds like it is a better approach to go with mutuals to build up a larger investment base for ETFs (I'm guessing around $1...

 Forum: Personal Finance   Topic: The Canadian Question Thread

Posted: Fri Apr 13, 2007 8:57 pm 

Replies: 13
Views: 9085


Quad, I personally like the MoneySense global couch potato. 25% bond index, 25% Cdn Index, 25% SP500 (US), 25% International index. You might be able to set something up within CIBC I don't know there funds that well. Just make sure your not paying all that much for the MER. Also depending on your ...

 Forum: Personal Development   Topic: Workout - Exercise Links

Posted: Wed Apr 11, 2007 8:31 pm 

Replies: 33
Views: 30308


Just remember to keep your suspicions about you. There is a lot of "gym myth" on the internet and the last thing you'd want is to get hurt. The Canadian goverment has a good starter resource in the Canadian Physical Activity Guide, and I'm sure the US has something similar. Another point t...

 Forum: Personal Finance   Topic: The Canadian Question Thread

Posted: Wed Apr 11, 2007 11:49 am 

Replies: 13
Views: 9085


Here's a question.. do you have any recommendations on good RRSP portfolios? I have around $23K in right now and will probably kick in another $8K next year. I'm investing with CIBC right now, but certainly open to other suggestions.

Thanks for the offer of help BTW!

 Forum: Personal Finance   Topic: Just getting started...

Posted: Wed Apr 11, 2007 11:46 am 

Replies: 12
Views: 10830


quadraphonic, Greetings from a fellow Canadian. Well here are a few thoughts based on your post. First go over to taxtips.ca and read up on how investment income is taxed. When your investing in a non registered account you can get pulled over the coals with tax if your not careful (interest type i...

 Forum: News & Announcements   Topic: Howdy from a northern neighbour!

Posted: Wed Apr 11, 2007 8:43 am 

Replies: 2
Views: 12191


LOL.. a fan! They're under the Coors brand now!

 Forum: Personal Finance   Topic: Just getting started...

Posted: Wed Apr 11, 2007 8:13 am 

Replies: 12
Views: 10830


As you predicted, I'm not familiar with most of the investment products you mentioned; are there any restrictions on opening accounts at, for example, Vanguard? If not, I'd suggest looking at a Vanguard account and a Target Retirement fund. These are low-cost, no-load funds that, based on your reti...

 Forum: Personal Finance   Topic: Just getting started...

Posted: Wed Apr 11, 2007 8:10 am 

Replies: 12
Views: 10830


quadraphonic: Just a couple of other general notes. In my mind, I sense a big red flashing warning sign regarding what you mention regarding your real estate situation. You mention that you've paid off "almost all your debt", but still have a $250,000 mortgage. In my mind, that is a big h...
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