u/Crazy-Consequence217

Now I’m very new to investing, like less than a week into it. But I wanted to stay with Scotiabank for everything personal/business wise. But there’s no way I could justify the $9.99 fee each time.

If you’re new and wanting to put $20 into FHSA or TSFA, it would cost you $9.99. Better if you have a lump sum to put it and leave it. But getting involved, learning, testing the waters - they need to do a better job for new/younger investors.

Now WS gets my investing business, and who knows what else I move over in the future?

Times, they are a changing.

Noticed some companies/contractors pulling up, hooking up and using Fire Hydrants around the city, usually filling up their trailers. I know there’s permits available and applications you can file, but I can’t seem to file the proper department for St. John’s.

Could only find an application online for Mount Pearl.

Anyone know the proper department I needed to contact to retrieve an application from?

Thanks in advance!

Brand new to the investing world, opened up my FHSA last night with Wealthsimple (Self Managed). Lenders want 2-3 years of Self Employment history when it comes to getting a mortgage, so that’s my timeframe here.

I tried searching information but couldn’t find exactly what I was seeking. With this timeframe, curious what others would choose to invest in. I’m not a gunslinger looking to hit the jackpot, I want to be on the safer side.

I deposited $100, haven’t spent it yet and XEQT is what I settled on, aware any dips could occur, and be at the wrong time for me. Smart decision? Was thinking the last year move everything to CASH to keep the down payment safe.

Would appreciate any and all insights.

Cheers.

One last thing, just learned you can’t official buy on weekends. So do people tend to wait to Monday morning first thing or later in the day, week? Or just deposit and buy whenever don’t even worry?

Just wanted to throw a quick shoutout out to everyone who’s posted or commented in here the last month or two, I’ve read every post and comment (for research/peace of mind) on here and got the push and knowledge I needed to start my investment journey.

FHSA opened, selected the Stocks & ETF option. Waiting for the verification to be completed and away I go.

Had a personal loan on a 5 year term, $800 owning on it with a monthly payment of $700. Autopay since the beginning, late April payment was supposed to come out on Monday but hasn’t yet. The loan ‘reached maturity’ last week and shows 0 Days left. So when I go on the webpage to try and pay, the option is no longer there - account isn’t showing.

Called in and was sent around to different departments with the best advice being just go into a branch and ask them - but who’s got time for that? It’s 2026, I got the loan open over the phone I should be able to get it closed. I was transferred to the collections department I believe, who said they went in and did a pull request for the remaining amount and should be done tonight.

Hasn’t been pulled yet, and in the chance that is doesn’t happen, thought I’d ask what’s the proper protocol here for the last payment on a loan? Want to see $0 on the screen and be done with it already!

Cheers.