I’m constantly seeing posts wondering if investing now at ATH is right. Should they wait, hold some cash for a dip etc.
Wondering if this is the same sentiment / hesitation when XEQT hit previous ATHs. Or is this time different given- war, debt levels, inflation, interest rate, fuel crisis, AI real/hype, pullback/recession risk, questions about the end of the petrodollar etc.?
Departing Karachi for Medina with a 25 hour layover in Dubai (I will exit the airport and stay overnight).
Can my bags get checked all the way to Medina or will they only be sent till Dubai and I have to retrieve and check these in again for the Medina flight?
Looking for ideas for a hajj gift for the wife? Considering gold jewellery but unsure if Mecca is good value or overpriced? Are prices open to some negotiation? I’ve never purchased gold myself so do I just look at market price for gold and haggle on the labour/markup the store is adding? ie the raw market price for the gold weight is the “floor” and I can’t expect to get lower than this price. I’m assuming lots of demand for gold during this time of year so not sure how open stores would be to discounts.
Also any recommended stores or references near clock tower area? Prefer to buy on 23/24th May as we have a short hajj and won’t have time after 12th dhul hijjah.
I’m traveling on a Pakistani passport from Karachi to Medina. I’m also a Canadian citizen. Layover in Dubai is 8 hours. Can I present my Canadian passport at Dubai immigration to exit the airport for a few hours with visa on arrival? Not sure if it’s a problem flying into Dubai (technically transiting) on one passport but using a passport not used for the flight but for purposes of entry into the country?
Or is the right approach to declare intent at both the check in desk at Karachi as well as present both passports to the Dubai immigration official?
Realistically how long will it take to exit Mina after completing Rumi on 12th dhul hijjah? My hotel is in Mecca and I will head there after Mina to complete Tawaf Al wida.
I am considering taking the 830pm Mecca-Jeddah Haramain train on 12th dhul hijjah (flight departs next morning from Jeddah airport) but unsure if 830pm from Mecca will be cutting it too close. Any opinions?
I have $405k in an RRSP. $100k with SunLife and $305k self directed. I also have a DB Pension through my employer valued at $110k/yr at age 65.
I used to be with RBC DS for a few years who got me into RBF5400 (RBC PH&N Vintage F, 1.04% MER) and MMF4636 (Manulife World Investment Advisor Ser F. 1.3% MER). These wouldn’t have been my first choice but they’ve done well despite the relatively high MER. I got rid of DS due to the fees and moved the balance back to self directed a couple years back.
Looking for an opinion on my allocation and picks. Any recommended changes especially in my self directed account? Should I rotate out of the higher MER funds and move more into XEQT? Any stocks to trim back (I’ve already trimmed NVDA, used to hold more; RY is employer stock which I can trim back but it’s done well.)
I’ve been DCA’ing into XEQT. Reasonably pleased with the “steady as she goes” uptick. But can’t shake off the feeling of leaving returns on the table with individual stocks.
Context- I built up mostly a tech stock heavy portfolio over the last decade and it’s done very well. I have since withdrawn funds for life expenses and rebuilding my portfolio. With 20 years to retirement, an ETF like XEQT makes sense but I sure miss the well above average returns.
How do you handle FOMO? I’m considering building a foundation around XEQT (75% of my portfolio) with remaining 25% for individual stocks. Curious what others are doing or do you accept that 8-9% is good enough and just plough 100% in XEQT?
I have booked an UberXL from Makkah Swisotel to Jeddah airport on May 30 early morning as soon as we complete Hajj inshallah. This will be 13th dhul hijjah.
I got a rate of SAR 175 and the app says reservation is confirmed and the driver details will be confirmed an hour before pickup time.
All makes sense but I’m wondering if on the 13 dhul hijjah given how busy it will be, will any Uber drivers even accept a rate of SAR 175? It’s much lower than the SAR 600-800 I’ve been quoted through other private transfer companies for that day.
I don’t want to be scrambling on the day of departure looking for transport. Is the Uber booking reliable or better to book through a private transfer and secure a driver at what will likely be a much higher rate during those days?
I will arrive Medina at 4pm inshallah on May 21. My Rawdah appointment is for 740pm.
Will 3 hours be enough time to exit airport and arrive at hotel in time for my Rawdah appointment? If I have to change the time, is it easy to cancel and select a new slot or will the Nusuk app “block” me from rebooking for a period of time?
Jazakallah.
Inshallah we are in Madinah on 21-23 May. We would like to take water from Bir-al-Shifa well.
Is this available in Madinah or do we need to go to the well ourselves to get the water?
Any information would be appreciated. Jazakallah.
Wife scratched up the paint while making a tight turn in a lot. I have Tesla black touch up pant but this looks like it’ll need something else. Can this be “buffed out”, any tips?
My Roger’s wireless pls includes “access your data from Canada+US”. I’m quite sure I confirmed with the customer service rep that this means I can access my data plan in US for free, no extra charges. Charges will only apply if I make a voice call in the US while roaming but data is free.
I’m searching roam like home and it says daily $12 charge to anytime data, voice or SMS is used.
Maybe I’m confusing what I have with roam like home. Can someone confirm that my data usage while roaming in US is indeed free and not subject to daily $12 charges. I really don’t want to see a charge for my week stay in the US and spend hours on the phone with Roger’s arguing my case.
Wife and I (both 45) have $250k in combined room available in our TFSA. We are investing $30k/yr but it’ll be a while before we max it. We have an income property (9 year old townhome in Milton, ON) - worth $800k, equity of $400k. Good tenants, positive cash flow net of mortgage, property taxes, maintenance.
Debating if we should sell the income property and roll it all into XEQT in our TFSA. After cap gains and closing fees, we will net just a little over $250k so TFSA will be fully funded. Then the $30k/yr will go first to max out TFSA new contribution room each year and then towards paying down our fairly substantial principal home mortgage (4.2%).
Thoughts? Keep the income property for diversification and continue DCA into XEQT…OR sell the income property and top off the TFSA to maximize amount and time in market?