u/11kestrel

I've sailed RSSC 3-4 times now and like the product, even the one time the ship we were on (Voyager) crashed into the pier in Civitavecchia and made us miss our Pompeii excursion!.

BUT

I'm really not sure if the RSSC value proposition works as well for us anymore especially since they got rid of the included business class airfare for international. And now that Oceania is adult only, that is a HUGE plus for us. We never really ran into kids on RSSC that were a problem but it is certainly not impossible especially on cruises over the holidays or week long in the Caribbean. Oceania seems to capture 90% of what we like with Regent, and we've met a few people on RSSC that said they actually preferred Oceania.

For those of you that sailed both, I'd like an honest pro/con between the lines? I really like the open bars on RSSC but to be honest most of the drinks we have are nothing fancy, wine and mix cocktails. Perhaps the odd highball but the requirements are not top-shelf by any means. Thinking about Panama Canal, *maybe* Trans-Pacific but this is still super early days.

Morning! Question I have is regarding income from non-registered accounts and tax implications. The software is modelling us to take our income from our non-registered account which is fine and is giving us our anticipated tax rate for the coming years, but in our non-reg account we have some holdings which currently have some high (90-120%) returns (market value vs book). So, let's say we want to withdraw $100K from our non-reg, if I take that as profits from something up 80% that's going to have a huge capital gains vs something up 10%. How does the system model this? I'm suspect I'm missing something here because this has to come up quite often.

Anyone know what's going on in that freezer aisle at Costco that's been blocked/tarped off for a while now? Is it repairs or are they revamping that whole big aisle? I actually have a friend that works there but I *always* forget to ask so thought I'd ask here.

Makes for mayhem when it's busy with stuff stacked along the sides of the aisles and the aimless zombies abandoning their carts in the middle of the aisle when the go to get something "for just a sec" which is usually a minute and blocks the area.

So I just wanted to do a quick post about my experience transitioning to Wealthsimple as I thought it might help those on the fence of doing the same.

I've been with one of the large banking incumbents for personal (spouse and I) self directed investing for *years*.

Recently, due to work insanity and realizing our portfolio was quite healthy (after having a 2nd opinion with bonafide CFIP retirement advisor) I decided to resign my position with my employer, although I might still work part time doing something I enjoy (TBD).

Anyhow, my existing brokerage was doing nothing for us. We had, for us at least, non-insignificant amount of holdings and they offered nothing to retain us except charge us fees whenever I needed to re-balance or do a new buy. They were clearly only interested in "selling" us products we didn't need and "reward" with some craptastic points that were meaningless to people like us. I decided to keep my eyes open for alternatives. We have pretty straight forward needs. Our portfolio is simplified with a handful of big market ETFs, some (very few) individual equities and a cash wedge which I used to HISA rate shop.

The "unreal deal" came up last month which interested me. So I did some further, more serious checking into WS and also discovered the interest on cash is pretty attractive which would largely save my desire to HISA rate shop.

I used the "contact us" on their website and was contacted by someone the next day who answered all my questions. Spoke about it to the mrs. We owed nothing to our existing brokerage and I *tried* to get them to offer us anything and we were basically told to get a credit card and mortgage so we could get points for free trades. Big whoop. So we decided to more seriously start the process to move.

I was put into touch with a transition specialist who answered any further questions and help set up all the account transfers for myself and my spouse. They also assisted with the back end stuff of setting up our joint "household" in the system and basically implement everything in the system so we just had to "approve" and say go and within a week or so pretty much everything was over (with a couple exceptions).

I applied for the credit card on the app and was instantly approved. Still not entirely clear about this whole "wait list thing" I've read about but, from what I can see, the cash back and some of the perks are definitely simplified and better than what I currently use so I do plan to move my usage to it.

Cons? Well, the website and app and recognizing what I can/cannot do on what. I wish the website was more comprehensive (IE: I could not set up DRIP on the website). Also, I find the app a little clunky, but it works which to be fair a lot of it is probably just getting used to it. Also, for myself personally, not sure if I like what seems to be some of the "game-ifying" of their data like "compare yourself to others!" and what seems to be creating a FOMO with their credit cards. Cross promotion with X/crypto means little to me and in fact is a bit of a detraction of anything. For the time being at least, I'm keeping my accounts open with a local bank for a LOC so I have easy access to cash/bank draft (same day) if needed and also my incumbent day-day banking just for ease as everything is set up.

I will say though, that if the shoe drops and they start charging a ton of fees or clawing back rewards that mean something to me, I will keep an open mind and move again if it makes sense.

So far though, they're doing the right things and the human beings I've spoken to were very helpful and friendly. I'm hoping that this is the beginning of a good relationship and so far, so good at least.