平行停車🅿️ 技巧

https://vm.tiktok.com/ZSVCUGTQ/

WeBull / wealth simple / Questrade /

 is Webull in Canada? No, but the closest alternative Canadians have is Wealthsimple Trade. 

Hopefully, Webull comes to Canada one day. In the meantime, we have to do our best with what we have. 

I use Wealthsimple Trade because it's simple, and the app is very satisfying to use. The only downside is they charge a 1.5% exchange rate fee when you buy and sell USD stocks. To offset that, I also use Questrade for larger USD positions. Hopefully, Wealthsimple Trade fixes that in the future because then it would be the only app I use.

Management Fee Deductibility - Clearing the Air - Steadyhand Investment Funds

https://www.steadyhand.com/industry/2010/07/08/management_fee_deductibility_clearing_the_air/

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民眾買房常犯的5個錯誤



買房是一輩子的大事，尤其是現在動輒要價千萬以上的房子對於一個普通老百姓而言，或許是一輩子一次的大事，購房者第一次購房對買房沒有經驗，難免就會不自覺地犯錯誤，最後買到的房子經常不如人意。因此在買房之前多增加房地產的相關知識，看看前車之鑒，會對自己有很多好處。因此筆者在此就來談談民眾買房常犯的5個錯誤，提供大家參考。

1.買房前忌患得患失猶豫不決
人無完人，房子亦如此，十全十美的房子，房價相對的也會居高不下。因此購房者在有限的預算之下，應該排列一下自己的優先因素，像是：更注重地段？還是更注重面積大小？否則縱然看了很多房子，還是猶豫半天遲不出手，等著等著眼看著原先屬意的卻賣掉了。貨比三家本意是好的，但是過分追求完美反而會拉長購房週期，不利於購房者。

2.選房子愛跟風
所謂得不到的永遠是最好的，我們平常買小東西的時候都會有這樣的心態，買房亦然。你看中了別人家的好地段，卻沒看到為了好地段可能得犧牲面積（單價貴了）。看到了別人社區環境好，卻沒看到人家選擇的是在郊區。總想跟別人一樣，卻總不考量個別的條件。

3.付頭期房傾盡所有
有些購房者在買房的時候，傾盡所有的積蓄付了頭期款，但是，這樣的做法其實是錯誤的。頭期款不過是買房投入的先期資金，後面，還有許多要花錢的地方。而且，人生總是充滿意外，要是家裡出了急事需要用錢怎麼辦？是不是又要降價賣房了？我們在買房的時候，要給自己留出餘地。

4.貸款年限能短就短
現在很多人在買房的時候，還會選擇多付頭期款、少貸款，即使貸款了也儘量短期內還完貸款。這樣一來給自己造成了比較大的經濟壓力。其實，我們完全可以把眼光放長遠一點，房屋貸款利率低，年限又可以長達30、40年，每月還款金額就少，我們完全可以拿多餘的錢去做別的理財規劃，讓錢生錢。

5.輕信建商的廣告
廣告是建商的銷售手段之一，也是購房者獲取建案資訊的一個重要管道。這無可厚非，畢竟建商需要通過廣告來吸引購房者的眼球。但是這些廣告中宣傳的究竟會不會實現，還要取決於建商的實力和良心。尤其是承諾的設施、周邊配套等等。

其實，正所謂「心態決定一切」，買房也是一樣的。不盲目、不輕信，多看、多聽，遵從自己想法。買房時，一旦你有了錯誤的心態，那麼最後買到的房子必然不盡人意。

買房可別有以上這5大錯誤心態，否則還是別買了！

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民眾買房常犯的5個錯誤

買房是一輩子的大事，尤其是現在動輒要價千萬以上的房子對於一個普通老百姓而言，或許是一輩子一次的大事，購房者第一次購房對買房沒有經驗，難免就會不自覺地犯錯誤，最後買到的房子經常不如人意。因此在買房之前多增加房地產的相關知識，看看前車之鑒，會對自己有很多好處。因此筆者在此就來談談民眾買房常犯的5個錯誤，提供大家參考。

1.買房前忌患得患失猶豫不決
人無完人，房子亦如此，十全十美的房子，房價相對的也會居高不下。因此購房者在有限的預算之下，應該排列一下自己的優先因素，像是：更注重地段？還是更注重面積大小？否則縱然看了很多房子，還是猶豫半天遲不出手，等著等著眼看著原先屬意的卻賣掉了。貨比三家本意是好的，但是過分追求完美反而會拉長購房週期，不利於購房者。

2.選房子愛跟風
所謂得不到的永遠是最好的，我們平常買小東西的時候都會有這樣的心態，買房亦然。你看中了別人家的好地段，卻沒看到為了好地段可能得犧牲面積（單價貴了）。看到了別人社區環境好，卻沒看到人家選擇的是在郊區。總想跟別人一樣，卻總不考量個別的條件。

3.付頭期房傾盡所有
有些購房者在買房的時候，傾盡所有的積蓄付了頭期款，但是，這樣的做法其實是錯誤的。頭期款不過是買房投入的先期資金，後面，還有許多要花錢的地方。而且，人生總是充滿意外，要是家裡出了急事需要用錢怎麼辦？是不是又要降價賣房了？我們在買房的時候，要給自己留出餘地。

4.貸款年限能短就短
現在很多人在買房的時候，還會選擇多付頭期款、少貸款，即使貸款了也儘量短期內還完貸款。這樣一來給自己造成了比較大的經濟壓力。其實，我們完全可以把眼光放長遠一點，房屋貸款利率低，年限又可以長達30、40年，每月還款金額就少，我們完全可以拿多餘的錢去做別的理財規劃，讓錢生錢。

5.輕信建商的廣告
廣告是建商的銷售手段之一，也是購房者獲取建案資訊的一個重要管道。這無可厚非，畢竟建商需要通過廣告來吸引購房者的眼球。但是這些廣告中宣傳的究竟會不會實現，還要取決於建商的實力和良心。尤其是承諾的設施、周邊配套等等。

其實，正所謂「心態決定一切」，買房也是一樣的。不盲目、不輕信，多看、多聽，遵從自己想法。買房時，一旦你有了錯誤的心態，那麼最後買到的房子必然不盡人意。

買房可別有以上這5大錯誤心態，否則還是別買了！

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看拜登的纳税记录，了解一下美国个人所得税

https://mp.weixin.qq.com/s/CELH02uvmhyR5QsWw86fuQ

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Firefox Relay * https://relay.firefox.com/

Firefox Relay
https://relay.firefox.com/

Buy us rental properties

https://www.moneysense.ca/spend/real-estate/be-an-american-landlord-2/

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Parking

Parking technique 

Td index funds

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REITs Are Better than buying real estate

https://www.forbes.com/sites/marcprosser/2017/07/19/data-proves-reits-are-better-than-buying-real-estate/

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Fw: Fwd: SPDJI: How Does Passive Investing Work in Uncertain Times?

Many advisors feel that their favorite active manager will guide them through market volatility and limit drawdowns during times of market stress. But is that how things played out at the beginning of 2020? S&P DJI's Brent Kopp and Berlinda Liu take a closer look at COVID-19's impact on active vs. passive performance.

Many advisors feel that their favorite active manager will guide them through market volatility and limit drawdowns during times of market stress. But is that how things played out at the beginning of 2020? S&P DJI's Brent Kopp and Berlinda Liu take a closer look at COVID-19's impact on active vs. passive performance.

September 02, 2020 Latest Video Report How Does Passive Investing Work in Uncertain Times? Many advisors feel that their favorite active manager will guide them through market volatility and limit drawdowns during times of market stress. But is that how things played out at the beginning of 2020? S&P DJI's Brent Kopp and Berlinda Liu take a closer look at COVID-19's impact on active vs. passive performance.   Viewing time: 06 mins 46 secs In this report: • Active vs. Passive • Risk Management • Equities Play now Trending videos on Asset TV: 1. Building Single-Factor Portfolios 2. A Dynamic, Diverse, Multi-Asset Approach to ESG 3. A Fresh Perspective on Emerging Markets 4. Picton Mahoney Asset Management Launches New Long Short Fund 5. MASTERCLASS: Global ESG This email was sent by: Asset TV YONGE ST. Toronto, Ontario M5C 1X6 Canada Update Profile      Unsubscribe

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Fw: Stock Snapshot: Brookfield Renewable Partners

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Begin forwarded message:

On Wednesday, August 26, 2020, 05:02, Steadyhand Blog <info@steadyhand.com> wrote:

View this email in your browser Stock Snapshot: Brookfield Renewable Partners by Salman Ahmed You may recall a feature in our Quarterly Reports known as the 'Stock Snapshot' where we featured a company in one of our funds. We've moved the feature from the Quarterly Report to our blog. Below is a snapshot of Brookfield Renewable Partners, which is held in both our Equity Fund and Income Fund. Overview Brookfield Renewable Partners owns and operates non-greenhouse gas emitting power facilities across five continents. The company has over 5,000 power generating facilities, with nearly 20,000 megawatts of generating capacity, two-thirds of which come from hydroelectric plants, about a quarter from wind and the remaining from solar. Investment Case Voters and governments around the world are increasingly making renewable energy a priority as the effects of climate change become more apparent. Brookfield Renewable, with a track record of profitable investments and existing mix of high-valued assets, should benefit from policies supporting decarbonization. With $3.4 billion of liquidity and willing financial partners, Brookfield has resources to put toward new projects, joint ventures and mergers. It often invests in out-of-favour areas to get better pricing. For example, it recently partnered on a $1.2 billion transaction in Spain. Because of regulatory and economic uncertainty in the country, Brookfield was able to buy the wind and solar project at a discount. Making consistently profitable investments creates a network effect. The profits from existing investments can be put toward new projects. Moreover, investors are more willing to partner with Brookfield given its reputation as an astute operator. The company also benefits from its existing mix of assets. The bulk of its holdings are hydroelectric power facilities which have a longer life-cycle than wind and solar. The higher quality gives it a valuation premium compared to its peers. Risks There is growing interest in renewable energy projects and more investors are looking to invest in this area. Less price-conscious investors may outbid Brookfield for projects, lowering its growth profile or forcing it to make lower-quality investments. The supply and demand of energy can also create fluctuations in the company's financial results. Renewable energy supply can be seasonal and depends on weather patterns outside of Brookfield's control. Energy demand, in general, is also seasonal and impacted by the economic environment. Interesting Fact: Though a Canadian company, Brookfield traces its roots to Brazil as the São Paulo Tramway, Light and Power Company, founded in 1899. Read in browser » Recent Articles: Lori Norman, Investor Specialist The market has given investors a gift. It would be a shame to waste it Getting your big break in finance Walking among giants: Technology's growing dominace of the U.S. market Why you should factor in real estate when you make investment decisions Copyright © 2020 Steadyhand Investment Management Ltd., All rights reserved. You are receiving this email because you opted in at steadyhand.com. Our mailing address is: Steadyhand Investment Management Ltd. 1747 W 3rd Ave, Vancouver, BC, Canada Vancouver, BC V6J 1K7 Canada Add us to your address book unsubscribe from this list    update subscription preferences

Fw: Walking among giants: Technology's growing dominace of the U.S. market

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Jason_Wang_Burnaby@yahoo.com

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Begin forwarded message:

On Saturday, August 8, 2020, 05:03, Steadyhand Blog <info@steadyhand.com> wrote:

View this email in your browser Walking among giants: Technology's growing dominace of the U.S. market by Tom Bradley At times in every stock market cycle, there will be a proliferation of factoids. These little morsels are fun and usually point out something that seems to be out of whack. In a National Post article in May, I referred to a few such factoids. "The big five tech stocks (Amazon, Microsoft, Apple, Alphabet, and Facebook) now account for more than 20% of the S&P 500, and their value is greater than Japan's Topix index. Microsoft alone is almost worth as much as all stocks in the United Kingdom combined. And in Canada, Shopify, our tech star with $2 billion in sales, is now more valuable than Royal Bank, which last year made $13 billion in profit." These comparisons are even more extreme today. In fact, this week Scott alerted me to a new one (to me). It came from Barry Ritholtz, a U.S. analyst and commentator that we follow. In a Bloomberg article, Barry dissects the U.S. stock market. "Consider just four industry groups — internet content, software infrastructure, consumer electronics and internet retailers — account for more than $8 trillion in market value, or almost a quarter of total U.S. stock market value of about $35 trillion. Take the 10 biggest technology companies in the S&P 500 and weight them equally, and they would be up more than 37% for the year. Do the same for the next 490 names in the index, and they are down about 7.7%. That shows just how much a few giants matter to the index." For the period he's referring to, the S&P 500 was up 2%. If you look in the dictionary for the definition of a 'narrow market', this is it — a 500-stock index that is up 2% for the year when 490 of its constituents are down an average of 7%. Read in browser » Recent Articles: Why you should factor in real estate when you make investment decisions The hardest decision in investing What is going on? Bradley's Brief — Q2 2020 Why investors shouldn't give up on the 'buy and hold' approach Copyright © 2020 Steadyhand Investment Management Ltd., All rights reserved. You are receiving this email because you opted in at steadyhand.com. Our mailing address is: Steadyhand Investment Management Ltd. 1747 W 3rd Ave, Vancouver, BC, Canada Vancouver, BC V6J 1K7 Canada Add us to your address book unsubscribe from this list    update subscription preferences

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Fw: What is going on?

Fwd: Shaw / SFU / Email Alias, 

Jason_Wang_Burnaby@yahoo.com

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Begin forwarded message:

On Tuesday, July 21, 2020, 05:06, Steadyhand Blog <info@steadyhand.com> wrote:

View this email in your browser What is going on? This article was first published in the National Post on July 18, 2020. It is being republished with permission. by Tom Bradley There's one investment question that's being talked about almost as much as the weather. It goes something like this: "Why does the stock market keep going up? The economy is a mess." Why indeed? The path out of this recession is anything but clear. It's hard to know when the economy will fully open up, how families and governments will deal with the increased debt load, and how profitable companies will be when running at less than full capacity. In our household, when something doesn't make sense, my wife invariably asks, "What is going on?" It's code for, "There must be a reason, so let's figure it out." In the case of the stock market, though, there is never just one reason. Here are a few. The declines were overdone. The panic during the dark days of March was the worst I've seen in my 37 years in the investment business. The urgency to sell caused violent price declines, and resulted in the quickest bear market in history. It's important to note that gauging the rally from this moment of maximum panic exaggerates the rebound. Year to date, most markets are still down. The recovery has also been uneven. Stock markets, particularly in the United States, are being carried higher by a narrow group of stocks. These mostly tech-based companies did well during the lockdown and are expected to benefit further from a world that will never be the same. But while their prospects may have improved, it's been their expanding valuations that have enabled them to carry such a heavy load in the market. Meanwhile, the rest of the market has been left far behind. Companies that were hit harder by the lockdown, and have an undefined recovery, are languishing well below their previous highs. The pervasive view that "things will never be the same" is having the opposite effect on these stocks. Rates, rates, rates. Everyone is talking about what the post-COVID economy will look like, but not enough fuss is being made about lower interest rates. Rates have declined from what I've dubbed recessionary levels to depressionary levels. A Government of Canada 10-year bond now yields 0.55%. With the drop has come a stronger consensus that rates will stay near zero for an extended time. This lower-for-longer scenario impacts stocks in two ways. First, lower interest rates make fixed-income securities less attractive. A savings product from the bank, or a low-risk bond, doesn't earn enough to offset inflation. This causes money to migrate up the risk curve, creating more demand for stocks. Second, lower rates make stocks worth more, since a company's value is derived from its future stream of profits and dividends, which then needs to be converted into current dollars using a discounted cash flow calculation. A key variable in this formula is the investor's required rate of return, or discount rate, which is based on the expected level of interest rates and is adjusted higher to compensate for the inherent uncertainty in forecasting long-term earnings. Why does this matter? Well, a company's intrinsic value is very sensitive to the discount rate. A stock's potential upside significantly increases when analysts reduce their discount rate, as some are doing now. Ultimately, we don't know for sure what's driving the stock market higher. It's impossible to determine how much of the move is based on fundamentals, such as long-term profits or lower interest rates, and how much is from a less sustainable source, namely emotion-driven momentum (i.e., the fear of missing out). The mysterious market rally won't be the last surprise we'll have during this recovery. The COVID-19 crisis is likely to be different than most cycles that follow a predictable path guided by the laws of supply and demand. In this case, the range of possible economic and market outcomes is very wide. It seems perverse, but when there's so much ambiguity, investors desperately want to do something, and are therefore inclined to act more boldly than usual. But now is not a time to get locked in on one view of the world. Investing isn't about precisely predicting the future, but rather building a portfolio that's suitable for a variety of outcomes. Read in browser » Recent Articles: Bradley's Brief — Q2 2020 Why investors shouldn't give up on the 'buy and hold' approach A few words on expertise An update on our funds Investment tips for millennials Copyright © 2020 Steadyhand Investment Management Ltd., All rights reserved. You are receiving this email because you opted in at steadyhand.com. Our mailing address is: Steadyhand Investment Management Ltd. 1747 W 3rd Ave, Vancouver, BC, Canada Vancouver, BC V6J 1K7 Canada Add us to your address book unsubscribe from this list    update subscription preferences