It would be so great, maybe one day!

Thank you, I changed it in the OP.

Personally, I’d like a solution to have more cash accounts, and especially joint ones and maybe kids accounts.

A real interact debit card would also be great, but that I can more easily deal with.

There are quite a few competitors in retail banking, like EQ Bank, Alterna Bank, motus, …

But none of them have achieved a critical size IMO, especially when compared to WS.

Archive.is link for those interested.

Since you can export to CSV, Cashew is also equally agnostic. Not really sure what I’d do in Excel but I do plan to make some better chart and graphs in PowerBI and possibly merging transaction off CC records.

So basically, you use Cashew to input your transactions, but process them outside of it in PowerBI?

Since you can export to CSV, Cashew is also equally agnostic

You’d have to process the data again though, unless you really use it only to input transactions, but not to manage your budget.

I’m curious: what was your problem with Google Forms?

Our form has more questions than cashew (day of the expense if not today, amount, category, recipient, description and spender), but could easily be made shorted, so it could be a 4 step process :

1. Touch shortcut
2. Enter description
3. Choose category
4. Enter amount
5. Click submit

I’ve been using my own Google Spreadsheet for a few years now, and it would really be hard to switch to something else, not because of Forms, but because it works the exact way I need and if something is missing, I can easily add it. It is also mostly technology agnostic, so I could easily move it to Excel or LibreOffice. I’d have to rewrite part of it in order to get back live currency exchange rates and stock data though.

Oil and gas probably?

I guess it depends. I purchased my home with a 5 years fixed rate in 2019, just before COVID hit and the rates dropped dramatically. While I feel good now when rates are much higher, I’ll admit I really felt stupid when my friends were getting rates around 1.5% a few months after I got 2.74%.

I ran the numbers recently, and if the rate was to stay around what it currently is until late 2024 when my renewal comes up, I would have more equity in my house if I had gone variable instead of fixed, even though I’d have hit the trigger rate, which would be a burden on my budget.

But it’s always easy to get it right in hindsight.

Actually, their downpayment was already transferred to their notary (QC), so they had to borrow the $16k on their credit card. For less than a month, they’ll have to pay $240 in interests but they should get back around $5700 in tax.

Can’t do it for me, but helped two friend with opening their FHSA. They’ll also be withdrawing from it in a few weeks, so I’ll know by then if things went great.

I was pretty surprised to see HSAV dip to $108.70 in the recent days; it seems like the measures taken by OSFI for the HISA ETFs are starting to have their little impact after all.

J’étais pas mal surpris de voir HSAV dipper à $108.70 dans les derniers jours, on dirait que les mesures prises par le BSIF pour les HISA ETF commencent tout de même à avoir leur petit impact…

Due to inflation, there will thus have been only one year with a limit of $6500.

Reminder of the annual limits:

​

À cause de l’inflation, il y aura donc eu une seule année avec un plafond de $6500.

Rappel des plafonds annuels :

​

Elle n’avait a priori pas de trace de rouille visible, mais j’imagine que ça s’est quand même développé à partir de ça. En tout cas, c’est rassurant de savoir que ça fonctionne pour d’autre, j’imagine donc que mes attentes étaient trop hautes.

I agree, that’s why I mentioned that it was expected she’d get her job back at the end of her leave. I know we wouldn’t have gotten the mortgage approval if her employer had said otherwise. I’m sure it was discussed when the lender called her employer.

Not in BC or AB, but we purchased our house while my wife was on mat leave. The lender asked us to provide a letter from her employer confirming her income before going on mat leave and that her job was there for her at the end of her leave. They also contacted them by phone to check that the information that was provided was correct, but I couldn’t say what they discussed then. I know that our mortgage was approved, and that they took into account my wife whole income before mat leave. She did not go back to this employer afterward, but it hadn’t been discussed with them yet.

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Alors, quelle est la performance des portefeuilles de Wealthsimple?

L’un des plus populaires est le portefeuille «Audacieux», composé à environ 80% d’actions, à 17,5% d’obligations et à 2,5% d’or. Au 30 septembre, son rendement annualisé sur 3 ans a été un maigre 2,8%. Sur cinq ans, c’est à peine mieux: 3,8%.

Comment cela se compare-t-il au rendement d’un FNB de répartition d’actifs composé à 80% d’actions et à 20% d’obligations? Le VGRO de Vanguard, dont les frais sont de tout juste 0,24%, affiche des rendements annualisés de 5,4% sur trois ans et de 5,6% sur cinq ans.