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You refer to them as a man or a woman, respecting how they identify themselves. Most know from a very young age that their developing body does not match their true gender. In the womb, we are all female. I once led a workshop at a swing convention where I was a speaker getting folks to...

In the US. You can not advise for any compensation about securities if you are not an RIA (Registered Investment Advisor) or an IAR (Investment Advisor Representative) under an RIA. With an RIA affiliation, you are under both the Best Interest rules and act legally as a fiduciary to the...

All good points. Yes, we still have refineries for dirty tar sands, which we also get from shale. But unless oil is like $100/brl I do not see adding more refining capacity. It takes years to build and is expensive for unknown demand or needs for more oil in 10 years vs. clean energy, which...

Good points. I forgot you're not part of the US yet. :( You have a very different story in Canada, and since regulation is by province, fund costs are much higher due to separate registration, legal and compliance costs than in the US. Also, you have more resource funds, and we really don't...

Funds can do well because of an analyst team that feeds the managers' recommendations. Analysts should be on quarterly earnings calls, asking questions and learning each company's competitive position in its industry. They also talk to company decision-makers about how they plan to increase...

A number of smaller cap funds I invested in were closed to new investors (existing investors could add more). But the reason was good. They had such a good track record money was pouring in, and the fund closed it since, with smaller caps, you can not be a huge fund and be nimble in the...

You can not look at Alpha alone but in relation to Beta. A high positive Alpha with high Beta, especially during a good period, simply may mean it is taking on lots of risk. We saw this dramatically in some of the large tech AI-hyped stocks (that are the largest part of the S&P500), which had...

At least in the US, you must exclude personal residence equity from net worth for suitability. The costs of being in business are about $10k incurred for each new year, for example, for licensing, fees, required E&O insurance etc. These are just annual fees only to be legally in the business...

Unfortunately, I can not. I have been in the business for 40+ years, coming from a CPA firm background. I founded a small B/D many decades ago, with about 100 reps in six states. However, I can not be specific about any particular fund or security, and I can not advise anyone outside the US. I...

An ETF does not own any stocks only participation units More than you may want to know but more why ETFs are risky investments in a market crash: Back in the 2015 crash, one of the many flash crashes we had about 10 years or so ago, I was watching the CNBC's market shows. All of a sudden...

I would never invest in an ETF (no market maker is required in a down market to add participation units if bids are low, so it's very risky). That is why in some crashes some ETFs went to $0.01 which is the no bid place holder. Nor a toss your dart at an index fund just because its in an...

I have nothing to hide and have no problem with giving ID. I will not prepay. I have been seeing Canadian providers for about 03 years and am well-known here and on other boards. What is odd from years ago is the use of text vs. calling. When I hosted the Phx Private list (about 1500...

I assume you mean Trump, Biden was slow but sane unless you read the false MAGA social media instead of legitimate, real reporting and not Fox whose lies have cost them huge lawsuit settlement.

In Canada, I assume you can adjust withholding if an employee or estimated taxes so you don't get a refund. I always pay but am careful to avoid any penalties instead of giving the government an interest-free loan. I believe while still in an RRSP, it is tax-free, more technically tax...

But the initial investment is after tax, and accumulation within the RRSP is tax free, yes until withdrawn but can time withdrawls based on need and tax effect.

Forty-five minutes to an hour is usually ideal for me. But I have always been more into sensual interactive intimacy, me massaging her, cuddling, and intelligent conversation more than the usual sex stuff, which I find mostly boring. I have no interest in oral, etc., and have always been that...

You do not have to buy a gun, just a 3D printer. There have been reports of these ghost guns made by the printers in crimes here in the US. We need a law down here, more like in Canada, but even though the NRA is bankrupt, there are plenty of gun backers and funding for lobbyists to help...

Trump in Tues State of Union says the current tariffs are just the start and the golden king and dictator will match any retaliation. He has always believed in "great, great tariffs" with his false claim foreign countries pay it to the US. As some say, if you "believe it," it isn't a lie...

Has anyone used Rufus or other TPM bypass options with Bitlocker, which is required in my business (securities). I have a custom-built, fairly high-end PC with Win 10 Pro and Bitlocker on a USB. Initially built in 2018, I updated most components, and I don't want to upgrade to Win 11 until I...