u/mr_cristy

I have a 65 inch B9 from 2019. It's beginning to show some very mild burn-in. Mild enough that it can easily function as a great off room tv, and still works as a main room tv, but enough that I can see it on some scenes and that I assume it will only get worse, leading me to consider replacing it.

My local Costco has 65 inch B6E on clearance for $1197 CAD. This seems like a really good deal to me, but I think the B6E is somewhat of a downgrade from the B6.

How does the B6E compare to the B9? Is this essentially the same tv but this year's model or is it better due to tech improvements? Or worse due to the lack of magic remote (and maybe other things)? Is this purchase worth it?

I'm always looking into ways to make sure my money is working for me, and recently rediscovered the Smith maneuver. One thing really confuses me about it though: many of the Reddit threads I've seen regarding it say that it only makes sense if you've already maxed out your registered accounts.

I don't really understand why people say this and it makes me feel like I'm missing something important. It seems like the main purpose of the Smith is to make a bit of money off my home equity in the markets while also writing off the interest. My TFSA (which is not maxed) is being funded with my monthly income. Why does one affect the other at all? I can't write off the interest of the HELOC if I throw it in a TFSA, so I'd just continue funding my TFSA with normal income. I also likely won't be able to max my TFSA out for like a decade or more, so why not put my home equity to work while I wait? My understanding is it shouldn't actually require any extra money to do, and therefore shouldn't affect my ability to contribute to my TFSA. So again, why wait? I don't get it.

Help me understand what I'm missing here please guys.