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  1. GreyGhost

    Stocks

    Be careful with large cash infusions in the Q's. I still expect some of this AI froth to pop and all of the Q funds will have a brutal period after. I pulled a bunch of the kids RESP out of XQQ so they weren't so exposed if that happened.
  2. GreyGhost

    Stocks

    Stantec. Only a 1% buy. Stock price has been beaten up lately. Dividend yield sucks but payout ratio is really low so it could be drastically increased if they wanted to. I suspect it will stay low and they will keep using money for acquisitions.
  3. GreyGhost

    Nord-lock washers - where to buy in Toronto?

    Purple is permatex below blue.
  4. GreyGhost

    COVID and the housing market

    While I would expect it cleaner, f me what a whiny person. You don't need to disassemble the bbq and polish the guts. High heat for a couple minutes and away you go. Food left in fridge should obviously have been removed but that's a two minute job. Mouse feces aren't ideal but could have...
  5. GreyGhost

    Stocks

    Bad choices can really hurt you. I would put most of your money in something like XEQT or VT and just let time work. As the canadian dollar is in the crapper, VT right now may not be the best choice. On the flip side, as you may retire in a foreign country, having all of your investments tied to...
  6. GreyGhost

    COVID and the housing market

    Carney is backpedaling as fast as he can. He now says the whole idea is Ebey's and feds are putting in 10% and BC is putting in 90%. He really sucks at economics. He speaks nicely while screwing citizens at every opportunity.
  7. GreyGhost

    Enough of COVID...what are you doing to the house?

    As an "up"grade, jack the house and add two or three courses of block to the foundation and then set it down again. Basement headroom solved.
  8. GreyGhost

    Enough of COVID...what are you doing to the house?

    Where is septic/gas/etc? Before you start opening a big trench you need to know where everything is. I don't know if utility will let you open your own trench or if that is part of their scope of work. You might as well get them to give you a price so you can see what you are looking at. Talk to...
  9. GreyGhost

    Stocks

    Probably. It's also easier with a smaller pool of money. As things scale, it gets harder. My time weighted return over the last 17.5 years is 21.7%. Peter lynch did much better but in a different time. There are a lot of hedge funds that beat me. Over time, I am putting more into less volatile...
  10. GreyGhost

    Stocks

    Close to zero doing things. I watch for interest but I've only done five trades in 2026.
  11. GreyGhost

    What did you do in your garage today..?

    Pound in a torx bit. Wrench on bit.
  12. GreyGhost

    Any GTAM'ers own an electric vehicle?

    One of the first ev's I saw was a tiny truck (smaller than Kei truck) on whidbey island with a generator running in the bed.
  13. GreyGhost

    Do Quebec`s rules for new riders make sense?

    Qc isn't banned either officially, it's saaq so you can't get insurance. Similar to here but it's a hard line there vs a soft line here (you can insure them it just costs a fortune).
  14. GreyGhost

    Stocks

    Over the last 10 years I averaged over 20% (Jan 1 2016 to Dec 31 2025). Sequence of returns matters a lot so averaging yearly returns is a slightly messed up way of looking at it and two good years at the beginning make a big difference to my result at the end. If I average the yearly returns of...
  15. GreyGhost

    Do Quebec`s rules for new riders make sense?

    Some of the rules (like 0 BAC or graduated hp) make sense. Trying to define a sport bike based on the look of the fairings or angle of the muffler is idiotic. Power to weight isn't a terrible metric but it can get expensive to enforce. By their definitions, a 390 could go either way as it looks...
  16. GreyGhost

    Any GTAM'ers own an electric vehicle?

    That particular MB is unique. There is nothing user serviceable under the hood. That is where they have all the high voltage stuff. Instead of needing to deal with electrical safety to protect against stupidity on every connection and part, they drew the protective line at the hood. If you have...
  17. GreyGhost

    E bikes rampaging Toronto streets

    That seems reasonable. They had a documented history of warning her about his illegal activities and she didn't stop him. She is also obviously in need of the big hammer as she and her ******* son believe the laws shouldn't apply to them. Hit and run should be at the top of the pile for...
  18. GreyGhost

    Any GTAM'ers own an electric vehicle?

    Like most things that look good elsewhere, they will be ruined when they arrive. Why bring in a $20k truck when the nearest competition is $45k? If it appears here, it will be just under existing comps.
  19. GreyGhost

    Stocks

    That's not easy to quantify. The answer to that question depends a lot on the chosen benchmark. If the benchmark is S&P500 and your risk profile calls for some risk-off assets, that's not fair to the advisor as they should lag the index even without fees. Advisor putting you into all tech since...
  20. GreyGhost

    Stocks

    What? Transfering an HSA to a TFSA doesn't count as a taxable benefit? Are you sure you have that right? That doesn't correspond with normal tax rules. Transfering HSA to RRSP is also strange but the taxable event and contribution cancel out so no tax is due this year.
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