Author Topic: Coronavirus!  (Read 202478 times)

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Offline Rufus

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Re: Coronavirus!
« Reply #4860 on: Monday 23 November 2020, 15:24:50 »
Nu m-ai inteles. Nimeni nu te obliga sa retragi un minim pe an din investitiile tinute in "Non-Registered Cash Investment accounts".
La orice banca canadeza poti deschide din asta.
Poti deschide TFSA, RRSP, LIRA, etc. accounturi.
Doar cu LIRA esti obligat sa-l convertesti in altceva cand ajungi la varsta de pensionare.

Educati-va!


parca RRSPu' e si asta registered

doar TFSAu' e non-registered, adica e cu after-tax money si nu conteaza pt GIS si OAS



« Last Edit: Monday 23 November 2020, 15:26:11 by Rufus »
"Aquilla non capit muscas"


Offline crenguta

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Re: Coronavirus!
« Reply #4861 on: Monday 23 November 2020, 15:25:12 »
Te vaccinezi si gata. O data la fiecare doua luni, nu o fi un capat de tzara.

Offline Rufus

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Re: Coronavirus!
« Reply #4862 on: Monday 23 November 2020, 15:27:18 »
Te vaccinezi si gata. O data la fiecare doua luni, nu o fi un capat de tzara.

si de ce nu in fiecare saptamana?!

sa fii sigur ca virusii n-au nici o sansa, noh. Pt binele poporului, desigur
"Aquilla non capit muscas"


Offline Mihai Vasile

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Re: Coronavirus!
« Reply #4863 on: Monday 23 November 2020, 15:27:56 »
Educati-va!

Chiar asa; eu stiam ca exista constrangeri la toate instrumentele de economisire pentru care ai obtzinut o reducere de taxe. In particular, RRSP-urile trebuie inchise pana la 71 de ani, de aia lumea care le are in general le rostogoleste in RRIF-uri de unde trebuie sa ia un minim pe an. TFSA e dpdv al taxelor mai avantajos, retragerile nu se numara la venit si nu afecteaza OAS de le guvern, dar ma cam indoiesc ca sunt multzi care conteaza pe TFSA pentru pensie, programul a inceput doar in 2009. LIRA e tot un fel de RRSP, doar ca e locked, nu te potzi atinge de bani pana la 65, tot trebuie inchis la 71.

Investitziile non registered n-au nici o treaba cu regulile astea, sunt facute cu bani dupa taxe, si platesti impozit doar pe profit, cu regulile asociate.

Offline crina-ca

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Re: Coronavirus!
« Reply #4864 on: Monday 23 November 2020, 15:36:28 »
si de ce nu in fiecare saptamana?!

sa fii sigur ca virusii n-au nici o sansa, noh. Pt binele poporului, desigur


Crenguta face mishto. Cred. Sper
Some days you're the bug and some days you're the windshield


Offline Mumus

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Re: Coronavirus!
« Reply #4865 on: Monday 23 November 2020, 15:57:35 »
Chiar asa; eu stiam ca exista constrangeri la toate instrumentele de economisire pentru care ai obtzinut o reducere de taxe. In particular, RRSP-urile trebuie inchise pana la 71 de ani, de aia lumea care le are in general le rostogoleste in RRIF-uri de unde trebuie sa ia un minim pe an. TFSA e dpdv al taxelor mai avantajos, retragerile nu se numara la venit si nu afecteaza OAS de le guvern, dar ma cam indoiesc ca sunt multzi care conteaza pe TFSA pentru pensie, programul a inceput doar in 2009. LIRA e tot un fel de RRSP, doar ca e locked, nu te potzi atinge de bani pana la 65, tot trebuie inchis la 71.

Investitziile non registered n-au nici o treaba cu regulile astea, sunt facute cu bani dupa taxe, si platesti impozit doar pe profit, cu regulile asociate.

Foarte corect. Daca nu vrei sa afectezi GIS si OAS iti deschizi TFSA si/sau un "regular" non-registered cash investment account si cumperi in ele dividend paying stocks. One time fee = no management fee!

Mai este o varianta de a nu avea nici o strategie si sa lucrati pana la 65-70 ani. Functioneaza si asta :)
We must respect the other fellow's religion, but only in the sense and to the extent that we respect his theory that his wife is beautiful and his children smart

Offline Ronin

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Re: Coronavirus!
« Reply #4866 on: Monday 23 November 2020, 15:59:44 »
Daca in Primavara am scapat, acum nu mai iesim liberi din lockdown-ul asta, gata, o bubuie bajetii. E tarziu de planuri si alte brasoave, timpul de facut ori executat planuri a trecut. Sa aveti macar un stock de stricta necesitate, acolo de un 2-3 saptamani tampon, e minimul la orice.
Vaccinul nu ne scoate din lockdown, nici vorba, vaccinul nu este pt covrig69. O sa fim vaccinati obligatoriu de armata la corturi undeva prin Martie incolo. Face-ti poze acum si video-uri, o sa arate altfel totul din Primavara incolo.
In urmatoarele 6 luni schimbarile au sa fie majore, lumea doarme pe ea, o sa accepte toti si nu o sa miste in front. Nu iese nimeni pe strazi la -20, oricum canadienii si coibecii sunt vai steaua lor, mediocrii e mult spus, o sa se conformeze.

Crenguta face mishto. Cred. Sper
Nu mai conteaza, e victima sigur.
« Last Edit: Monday 23 November 2020, 17:03:57 by Ronin »
You obey, u OK! Suji Sile!

Churchill understood the choice perfectly: “The inherent vice of capitalism is the unequal sharing of blessings. The inherent virtue of socialism is the equal sharing of misery.”!

I Translate it

Offline Mihai Vasile

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Re: Coronavirus!
« Reply #4867 on: Monday 23 November 2020, 16:30:39 »
un "regular" non-registered cash investment account si cumperi in ele dividend paying stocks.

Cu limitarile (intreaba Euglena sau vreun milenial catzi bani dupa taxe are disponibili pentru investit) si cu riscurile de rigoare (in unele RRSPs principalul e garanta de CDIC, cred ca pana la 100k pe institutzie financiara, investments potzi doar sa scazi pierderile trecute din profiturile curente). Strategia ta statica tzine pana la urmatorul 2008, sigur ca sunt unii care au timpul si capitalul sa se ocupe de tranzactii (aproape) in fiecare zi, dar asta nu e pentru Euglene si mileniali care n-au mostenit 1M sau mai mult de la un unchi.


Offline corolla

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Re: Coronavirus!
« Reply #4868 on: Monday 23 November 2020, 16:44:42 »
Eu am mostenit puterea de munca cu circa, la ce mi trebuie milion, cind as putea cinta:
Sint strungar la Faur
Am mina de aur
I am in perfect shape for my weight.

Offline Mihai Vasile

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Re: Coronavirus!
« Reply #4869 on: Monday 23 November 2020, 17:43:36 »
(...) as putea cinta:
Sint strungar la Faur
Am mina de aur

Ca tziganul cand ii e foame.

Offline corolla

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Re: Coronavirus!
« Reply #4870 on: Monday 23 November 2020, 19:26:59 »
Cred ca sint neam de caldarar, am mai spus o.
I am in perfect shape for my weight.

Offline Dorel

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Re: Coronavirus!
« Reply #4871 on: Tuesday 24 November 2020, 08:10:59 »
OTTAWA -- A new poll suggests many Canadians are gaining weight because they're eating more and exercising less during COVID-19 pandemic.
Nearly one-third of respondents in the survey conducted by Leger and the Association for Canadian Studies said they have put on weight since March, compared to 15 per cent who said they lost weight over that time.
« Last Edit: Tuesday 24 November 2020, 08:13:05 by Dorel »


Offline Mumus

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Re: Coronavirus!
« Reply #4872 on: Tuesday 24 November 2020, 08:25:58 »
Strategia ta statica tzine pana la urmatorul 2008 [...]


Strategia nu are treaba cu market crashurile. Atata timp cat dividentele nu sunt oprite, life is good. NU ma intereseaza in mod deosebit valoarea stockului.
Market crashurile sunt defapt binevenite la strategia asta caci iti da oportunitatea sa turbo charge portofoliul, adica sa cumperi stockuri aditionale la preturi reduse (aducand mai multe dividente).

La crashul din Martie 2020, majoritatea (99%) din firmele candiene NU au oprit dividentele.
We must respect the other fellow's religion, but only in the sense and to the extent that we respect his theory that his wife is beautiful and his children smart

Offline crina-ca

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Re: Coronavirus!
« Reply #4873 on: Tuesday 24 November 2020, 08:51:16 »
OTTAWA -- A new poll suggests many Canadians are gaining weight because they're eating more and exercising less during COVID-19 pandemic.
Nearly one-third of respondents in the survey conducted by Leger and the Association for Canadian Studies said they have put on weight since March, compared to 15 per cent who said they lost weight over that time.


Mananca mai mult de la stres
Some days you're the bug and some days you're the windshield

Offline crenguta

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Re: Coronavirus!
« Reply #4874 on: Tuesday 24 November 2020, 09:23:20 »
Asa e.
Ce ne facem ca au scos englezii un vaccin care nu e bazat pe RNA ca la ceilalti si nu ne modifica dna ul ca sa ne faca roboti.
Pai treaba e asta?

Offline Rufus

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Re: Coronavirus!
« Reply #4875 on: Tuesday 24 November 2020, 09:29:40 »
stai c-o sa apara vaccinu' canadian, a finantat boieru' Justy ceva firme canadiene sa dezvolte un vaccin

deviza anului 2021: inject local!
"Aquilla non capit muscas"

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Offline crina-ca

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Some days you're the bug and some days you're the windshield

Offline Marmeladov

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Re: Coronavirus!
« Reply #4877 on: Tuesday 24 November 2020, 10:11:30 »
Asa e.
Ce ne facem ca au scos englezii un vaccin care nu e bazat pe RNA ca la ceilalti si nu ne modifica dna ul ca sa ne faca roboti.
Pai treaba e asta?
ce model, r2d2, terminator?...
Walter, I love you, but sooner or later, you're going to have to realize the fact that you're a god damn moron.

Offline Dorel

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Re: Coronavirus!
« Reply #4878 on: Tuesday 24 November 2020, 10:16:42 »
Pai nici vaccinul SputnikV din Russia nu modifica RNAul

Offline John Galt

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Re: Coronavirus!
« Reply #4879 on: Tuesday 24 November 2020, 10:25:23 »
Mananca mai mult de la stres
mai mult pot = munchies.