Optimal strategy to allocate stocks and bonds between TFSA/RRSP/non-registered?
https://lemmy.world/post/23323428
Optimal strategy to allocate stocks and bonds between TFSA/RRSP/non-registered? - Lemmy.World
This is my scenario: TFSA is maxed and has the emergency fund in CBIL. I have
roughly equal money in RRSP (maxed) and my non-registered account. I like to
keep my overall portfolio at 50% stock ETFs (primarily VFV) and 50% low duration
bond ETFs (primarily CBIL). I understand that this is a sub-optimal allocation,
and I’m okay with that. This is thanks to childhood trauma from growing up too
broke, and I’ll make up for the lower returns by spending less and investing
more. So far, I’ve kept VFV in my RRSP and CBIL in the non-registered account.
However, I’ve been wondering if it’d be better to switch the two around: Buy
CBIL in the RRSP account and buy VFV in the non-registered account. PROs: -
CBIL-RRSP will grow less than VFV-RRSP -> lower “income” in retirement -> lower
tax consequence. - VFV-non-reg profits will be taxed at the 50% (maybe higher in
the future) inclusion rate. CONs: - Can’t think of any at the moment. Help? I’m
also considering switching the TFSA to hold stocks instead of bonds, and have
the emergency fund in the non-reg account. This makes sense too, right?
How to fix this glass that is no longer in place?
https://lemmy.world/post/20409425
How to fix this glass that is no longer in place? - Lemmy.World
Hey, apologies if I’m not using the correct terms, I’m going to do my best to
describe the issue. This is a photo from my shower. There’s a glass “wall” and a
glass door. The door is connected to the glass wall by a hinge. The glass wall
was glued to a metallic frame but it looks like the glue is not holding it in
place anymore.
[https://lemmy.world/pictrs/image/30de374f-e965-42c3-9b2d-5ab3a36d42ae.jpeg]
[https://lemmy.world/pictrs/image/daa4a1b2-44bf-4f0d-8bdc-727d50b2b6c2.jpeg]
[https://lemmy.world/pictrs/image/e2c96a8b-38d2-47b3-ae04-3f6a02926210.jpeg] Is
it a DIY job for a new homeowner after the millionth thing broke down this month
and is ready to step into traffic? Or should I just hire someone? What
profession am I even looking for to get it fixed? If it’s an easy enough fix,
what keywords do I use to look up a fix and the materials needed? Any other
useful information or advice would be appreciated. Thank you!
What are the best resources for getting started with electronics and robotics?
https://lemmy.world/post/19634526
What are the best resources for getting started with hands-on electronics and robotics? - Lemmy.World
Background: I took some 100-level courses on electronics in college over a
decade ago. I still remember some stuff (Ohm’s law, Kirchoff’s law), and I can
recognise the basic parts in a circuit diagram. I am also happy to pick up a
beginner friendly text book and go through the theory by myself, if there are
any recommendations. However, I’ve never even held a soldering gun. I am a blank
slate when it comes to any practical applications. I get overwhelmed trying to
figure out what kit to order on Amazon. So, is there a course/tutorial you’d
recommend for learning the hands on parts of it? I’d prefer as much handholding
as possible. Ex – if someone sells all the components to finish the projects in
the course that would be the course I pick.
Why do people complain about multiple streaming platforms existing?
https://lemmy.world/post/18473588
Why do people complain about multiple streaming platforms existing? - Lemmy.World
People (including me) complain about monopolies all the time for various
reasons. At the same time, I’ve noticed a ton of complaints about the existence
of multiple streaming platforms. But isn’t that a good thing at the end of the
day? If streaming platforms consolidated into 2-3 companies, there wouldn’t be
much stopping them from raising prices even more.
How do I browse an instance that I am not signed into?
https://lemmy.world/post/13160473
How do I browse an instance that I am not signed into? - Lemmy.World
I am currently logged into my account on lemmy.world. I’d like to view the home
page of literature.cafe (or any other instance), view all the communities there
etc. I could just tap on the instance name, or even add instances that I wasn’t
signed in to on liftoff which no longer works. Is there a way to do this on
voyager?
