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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Clarification on my question --"whether it is best to convert money to the US and then buy stock or just buy stock and then convert to the USA stock". You say "that if one is buying a US stock there will be conversion at some point. Either C$ gets converted into US$ for the purchase, or US$ gets converted into C$ when the investor wants to withdraw Canadian cash from the account eventually."

There will be no conversion fees if I do below steps.
Example: I buy CSU on TSX Then move to USA Stock
When I decide to sell I move CSU from the USA to CDN and then sell.

Is this strategy will end up saving money or the best way to convert money from CDN to the USA or vice versa.

Thanks for the great service.
Hector
Read Answer Asked by Hector on May 28, 2019
Q: Great article in the Van.Sun d/d Feb 26. on Stock Screening.1)New Highs 2) ROE(U use above 20%) 3) Earnings & Sales growth( above 20%) 4}Low debt & 5)Dividend. Under u Bonus screen,there are 5 companies that meet above criterias except the Dividend screen.Please advise the 5 companies.Are they buyable now? & are they in the 3 potfolios.Thanks for u usual great advices & services.
Read Answer Asked by Peter on May 27, 2019
Q: Dear 5i
My wife contributed $5000 to her TFSA 2009 , 2010 and 2011 totalling $15000 . Two years later it was necessary for her to withdraw the total amount leaving a balance in her TFSA of $0 .
In 2018 we calculated that from 2009-2018 her total allowable contributions totals ~$57500 . As such she puts this much into her TFSA in a lump some in 2018 .
CRA informs her that her contribution room Jan 1/18 is only $50300 and as such says she has over contributed by roughly$6900 . Does this sound right to you or have we somehow miscalculated .
Thanks
Bill
Read Answer Asked by Bill on May 23, 2019
Q: My husband and I are basically retired (I still am working a couple of days a week as I enjoy it) so our income is now from CPP, his OAS, and investments.

I have been reading about pensionizing income after retirement, especially if a person doesn't have a corporate pension. The literature talks about annuities. With low interest rates they are more expensive then if interest rates are higher but regardless they would provide guaranteed income, although not indexed. This provides some income security. What is your opinion on annuities? My husband is 68 and I am 63.
Read Answer Asked by Betty on May 08, 2019
Q: This is not a question about this particular company but simply an example. The notice today on earnings for Carbonite stated:
Non-GAAP EPS were $.44 above estimates for $.36
Net EPS was $.06 missing forecasts by a nickle
It goes on to talk about actual and estimated sales both on an Non-GAAP and GAAP basis.
Can you explain what the difference is between the GAAP and Non-GAAP numbers? and how Non-GAAP earnings of .$44 turn into $ .06 when shown on a NET basis and for your DIY investors, which should we pay attention to?
Read Answer Asked by Barry on May 06, 2019
Q: Could I please have a few of your top Smart Beta ETFs recommendations. I was hoping to get a few ETF ideas that cover USA, global and international only. A few that trade on the TSX and in the USA would be great. Thanks
Read Answer Asked by Aaron on April 25, 2019
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