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Everything posted by Fraser
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What else is there to do in Regina? Nothing. Drive down to billings Montana for the weekend?
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What?my internet browser appears to be too old to quote things properly. Way trying to quote you about someone going after younger blondes.Yes you and Sam Katz can be creepy old men together.Nah I'm in the prime of life
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What?my internet browser appears to be too old to quote things properly. Way trying to quote you about someone going after younger blondes.
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<blockquote class='ipsBlockquote'data-author="gbill2004" data-cid="95500" data-time="1416338643"><p><p>We might be Eskimo brothers then
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Politics - Conservatives (Split Topic)
Fraser replied to The Unknown Poster's topic in General Discussion
I assume up to a max, which you are probably doing. Even over and above that amount it still makes sense to contribute there due to fees. 31K in a MF @ 2% is 620 dollars in fee's each year. That's a decent savings each year to hold company stock. A TFSA in one holding likely isn't going to give you diversification issues since generally they arn't paticulalry large in comparision to most people's RRSP's, DB or DC pensions, real estate etc holdings Of course. Of course all the saving on fee's won't help you if the company is a total dog. -
Congrats on a great season Saskatchewan ...
Fraser replied to IC Khari's topic in Blue Bomber Discussion
We'll I can't get him kicked off twitter. -
Politics - Conservatives (Split Topic)
Fraser replied to The Unknown Poster's topic in General Discussion
SCU can open an account that will either do Interest (GIC's) Mutual funds or individual equities or bonds. To be perfectly honest, unless the company you work for is a total dog, or you are already heavily concentrated in company stock for another reason, probably best to add money to that account as there are likely little to no transaction fees -
Politics - Conservatives (Split Topic)
Fraser replied to The Unknown Poster's topic in General Discussion
Agreed. The problem in Canada is an opposition fiercly opposed to military spending and a public used to the "peaceful" nature of Canadian military which is, ofcourse, not really true. Canadians usally get outraged when the military experiences embarrassment (like being deployed to the desert in the green camo).On an unrelated note, perhaps someone smarter than me can explain this: Story online right now about the Conservatives remaining promises, including doubling the TFSA limit. I think we all agree the TFSA is great. But the story has a quote from some professor stating that the Cons' plan to double the limit creates a problem for government twenty years down the road. Im confused on that. if I take $10,000 right now and put it in an RSP, I get a tax break now. So one could say the government loses out on the taxes now. When I retire and I withdraw from the RSP, I pay taxes. Its essentially delaying when I pay tax on that money. With a TFSA, I pay tax right now on the $10,000 but the interest that money generates is tax free. When I withdraw it in twenty years, I get back the original $10,000 which I already paid tax on and I get the interest tax free. But thats money generated by the investment, correct? if I have it at my bank, thats money the bank is paying me. How does this negatively impact the government? They get the tax on the $10,000. If I dont have TFSA, they still get the tax on the $10,000. Im not taking tax money away from the government. Are they saying that interest generated from investment is so significant a taxation revenue stream for the government that the interest on $10,000 TFSA is going to be a problem for the government twenty years from now? I dont know.... smart people aren't getting interest in their TFSA, they are getting Dividends and Capital Gains. Lets say the limit doubles to 12 next year and I have 42K in my TFSA. If I get 5% per year in capital gains (for simplicity's sake) for 20 years I'll end up with $111,438.50 or a gain of 69,438.50 Non TFSA the government makes me claim half of that and if my marginal tax rate is 46% I pay close to $16,000 in takes when I sell. Now lets say the govt keeps the TFSA limit at 12K per year for the next 20 and I max things out PV 42 PMT 12 N20 I 5 FV = $508,229.95, I've put in 42 + (20*12) = 282K and have a capital gain of 226 grand. 50% claimed = 113K and the govt misses out on 52K @46% Thats unadjusted for increases to inflation as well. Thats a gain of -
Congrats on a great season Saskatchewan ...
Fraser replied to IC Khari's topic in Blue Bomber Discussion
if only there was a boat for Odell Willis to jump in. -
and cheesburgers
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Having an onside gunner might not be terrible if you can find a punter with a lot of hang time
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I hope he's sasks starter next year
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He's hobbling like a wounded animal
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If Reilly was healthy it'd be a bloodbath
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Gotta protect that little weasel dressler
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And putting in Sunseri wasn't? Sunseri wasn't in a walking boot before the game But he is a crappy qb
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Riders suck
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and twice on sundays
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Typical Glenn for a big game. he's really glenning it today
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glenn laying an egg
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Always take the best player
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Biased ass commentating
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Lawless - Attention O'Shea: Fire Etcheverry
Fraser replied to gbill2004's topic in Blue Bomber Discussion
Etch was better than mb -
I already asked this last year but forgot. What is the difference between and player of the year and an allstar
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Divisional All Stars Announced (Only One WBB)
Fraser replied to Noeller's topic in Blue Bomber Discussion
Love Mo Legg as a playmaker but don't like his tackling. He got beat a number of times going one-on-one against the ball carrier and quite a few of his tackles got shrugged off.I think Brack is a much more reliable tackler. The biggest difference between Leggett and Brackenridge is experience- a couple of years under the belt makes a world of difference in adapting to the CFL game, but either way, Brackenridge is a talent. Thought you were going to say name cache