u/brunes

Was this tied to July 1/4 or something else? It's weird.

I am trying to figure out something and I suspect I'm not alone.

Wife and I are approaching our 50s with mid 6 figures combined in our TFSAs. At this rate, when we FIRE (planned around 50), I expect us to go 10-15 years before even touching our RSPs or pension.

During this time, for all intents and purposes our "income" will be near 0. Meanwhile, most higher end credit cards nowadays all are tied to minimum income levels... Visa Infinite cards for example are often tied to an income of 80K and up.

How do people "right" this issue in retirement? Do they "manufacture" income by pulling it from RSP just for it to be taxed?

It seems to me like a lot of our financial systems were designed before TFSAs existed and now that people are retiring with huge portions of their savings in them, need to be rethought because asking someone their income when they have 7 figures in investments seems silly

I just want to get entirely out of the US as I think their market is going to implode due to the AI bubble popping and escalating interest payments. But otherwise I want to be globally distributed.

XEQT and CAGE are heavily US weighted.

Maybe I just buy VCR and VEE? MER of VCE is quite high.

I find it incredibly annoying that GLG, Guidepoint, and others who have Call Availability, do not allow you to sync this with your calendar. Keeping these apps/websites up to date is incredibly annoying.

I am wondering if anyone has ever come across a tool that can do this, specifically for GLG and Guidepoint. If not I might build one myself.

I'm trying to figure out the definitive answer here as there are so many mixed messages online and in this subreddit.

I have a 2019 AWD HRV. It is at 100,000km. I just had the transmission fluid replaced. All good.

However I just saw on an online forum that I should also be replacing the "rear differential fluid" if it is an AWD.

There is zero mention of this under Service 3 in my Honda manual. In fact, there is zero mention of replacing rear differential fluid *whatsoever* for any service, it says "Maitenance Minder Code 6". The dealer never mentioned it, which you'd think they would seeing how it's a billable service.

So what is the deal here? Is this something that you're supposed to do or not? If you're supposed to do it why isn't it in the manual? Do I just wait for Code 6 to trigger? When is it expected to trigger?

I can't be the only one who finds doing mixes very inconvenient and time consuming.

How come Blueprint hasn't considered doing this in gummy form? It would make following the program so much simpler.