When it comes to cold climates, the most vulnerable element of the dash cam is the battery. Batteries don't get along with extreme temperatures, neither extremely low nor extremely high. A solution to this problem is to use a capacitor (instead of a battery), which is immune to the cold or heat.
Another aspect to consider is that during the winters, the days
become shorter and shorter while the nights are correspondingly longer. Furthermore, visibility conditions are often poor during the winter even during the day. A dash cam with night vision support is the way to
go to work-around these issues.
I live in Toronto, Canada and I ended up buying a DDPai mini2 dashcam. It is equipped with a built-in supercapacitor and it features night vision as well. In addition, I bought a separate 128 GB MicroSD card with Class 10 rating that is not included with the camera and it is required to store the footage.
I am happy so far with the camera and I definitely recommend it.
If you have a dash cam and live in a cold place as well, do you mind telling us about it? What kind of camera did you get? Is it working properly? Any other tips that we should consider when buying a dash cam for a cold climate? I would definitely appreciate if you leave us a comment below and give this article thumbs-up by clicking the Google Plus (G+) button at the beginning of this post.
We were 3 couples: 6 adults and one kid; so, we occupied 3 rooms.
We all agreed that the place was fairly decent. It was clean, quiet and the service was great.
We checked-in late in the afternoon and went directly to the swimming pool after dropping our belongings in the rooms. (Ah, we got a WIFI pass-code when doing the checking: the connection speed was good enough)
Our room at Holiday Inn Hotel & Suites before we mess it
up
The pool was clean and nobody else was there. It belonged to us for the next hour and a half. Clean towels are provided in the pool.
Swimming pool at Holiday Inn Hotel & Suites Windsor (Ambassador Bridge)
There is a hot-tub in the pool area; which we enjoyed of course.
From there we went to the rooms to have a shower. The rooms looked kinda old, but they were clean and well organized.
I have two complains only:
The hair dryer in my room was out-of-order. The hair dryers in the rooms of my other trip comrades were ok (I asked them). I could have called reception to get it replaced, but my wife insisted to keep her hair a little moist.
The air conditioning was working properly, but at some point during the night it started to make very annoying noises. I think the pipes got frozen somehow and because of that the device started to malfunction. I had to turn it off and use it in fan-mode for the rest of the night.
We had dinner and some drinks at Grill 55. This restaurant/bar is next to the lobby of the hotel. The food here was great. Pretty much everyone in hour group ordered something different and everybody liked it. I must say we were very hungry, but still, the quality of the food and the service was excellent.
Parking is conveniently located directly in front of the main entrance of the hotel. You can see a Tim Hortons directly from the parking lot; where we had breakfast in the morning.
As I said, we just stayed one night: we checked in late in the afternoon and left early the next morning. We had no chance to check the other amenities of the motel.
Overall our stay was positive and I would not mind to stay at this place once more.
We picked this hotel because we wanted to do some sightseeing around Windsor and the location was fairly close to the Windsor waterfront. We liked Windsor, and we will share our experiences in another post.
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Point Pelee is the southernmost point of mainland Canada. It is a peninsula filled with trees and lots of wild life.
It is very famous for the diversity of migratory birds that show up in the park in spring (April 29th, 2016 -> May 18th, 2016). This is known as the Festival of Birds and it was our main motivation in visiting this place.
Birds - Point Pelee
Birds also make their stop at Point Pelee in autumn. They take a break there before continuing the migration south in search of a warmer climate. I haven’t visited Point Pelee in autumn, but I am tempted. The Carolinian Forest dressed up in the fall colors must be gorgeous. I will probably visit it this year again and if so, I’ll share my experiences in this blog.
Point Pelee is a 4 hours’ drive from Toronto, but believe me, it is totally worthy. So, my wife and I (plus a bunch of other friends) left Toronto around 7am in the morning on Saturday May 7th, 2016. We took the 401 West stopping just once in one of the various OnRoute along the highway.
In the highway we drove by the Batman in the Batmobile :-) See the video below. This was an unexpected plus to our road trip :-)
We also encountered one of the biggest wind farms in Canada between Tilbury and Ridgetown. It is called South Kent Wind Farm and belongs to the municipality of Chatham-Kent. The wind turbines seem to have no end as you drive along the 401. Unfortunately, we did not take pics of those :-(
We arrived at the park around 11:15am.
One quick note here: once inside the park we could not find places to have lunch. They have some stores in which you can get snacks, but nothing heavy. You can only get potato chips, ice cream, pops and things like that. Nonetheless, just one block before the entrance of the park, there is a place where you can have burgers, wraps, hot dogs, fish and chips, soft drinks. It is not a fancy place, but it gets the job done.
We paid the fee at the entrance, $19 bucks per family (up to 7 people in the same car). You can also pay individually. The pass to the park is valid for the whole day, so keep the receipt in case you want to have lunch outside of the park. With the receipt at hand, you will be able to get back into the park.
After paying the fee, we just drove into the park…
You are able to hear the singing of the birds all around. Now, if you really want to see them up-close, you should get yourself a pair of binoculars. I was the only one in our group of 7 carrying binoculars. Because of that I was the only one able to see a pair of deer in the distance and I was able to see the birds hidden in the far away foliage. I recommend 8x40 long range pursuit binoculars.
But hey, if you don’t have binoculars, that’s fine. All of us were able to see the birds, turtles (lots of them), and fishes (less than a meter away from where we were standing).
Bird in the Marsh - Point Pelee
Frog - Point Pelee
Turtles - Point Pelee
We were also able to see wild turkeys (twice), which are not migratory birds. They were really sneaky, camouflaging very well in the bushes. They are kinda big and thanks to that we were able to spot them.
There are several things you can do at Point Pelee: hiking, bicycling, bird watching, canoeing/kayaking, geocaching, swimming (at designated beaches), picnicking (picnic tables and grills onsite). For more details click here.
There are two places that you mustn’t miss: the Marsh Boardwalk and Point Pelee's Tip.
Marsh Boardwalk
It provides a 1km long boardwalk over the marsh. It also has an observation tower and telescopes. From there you can get a sense of what Point Pelee really is.
Marsh Boardwalk - Observation tower - Point Pelee
Marsh Boardwalk - Geese - Point Pelee
Point Pelee's Tip
This is the most southern point of mainland Canada and it was the place in which we all got wet with an unexpected shower/rain :-)
Point Pelee's Tip
We left Point Pelee around 6pm with a lovely feeling in our hearts. We enjoyed nature at its best and we were satisfied. This is a place really worth seeing.
It took us an hour to get to Windsor. We stayed overnight and the next day we toured a little bit around Windsor. I’ll write soon about our exploration of this town...
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The questions and answers below are specific to the Province of Prince Edward Island. For more generic ones Canada-wise visit the flowing article: Canadian Citizenship Exam - Questions and Answers.
If this was helpful, share it with the Google Plus (G+) button above. Thanks.
What is the name of the Premier of Prince Edward Island?
Premier Wade MacLauchlan.
Which political party is in power in Prince Edward Island?
Liberals.
What is the name of the Lieutenant-Governor of Prince Edward Island?
Honourable H. Frank Lewis.
What is the capital city of Prince Edward Island?
Charlottetown.
Which three natural resources are important to Prince Edward Island's economy today?
The questions and answers below are specific to the Province of Newfoundland and Labrador. For more generic ones Canada-wise visit the flowing article: Canadian Citizenship Exam - Questions and Answers.
If this was helpful, share it with the Google Plus (G+) button above. Thanks.
What is the name of the Premier of Newfoundland and Labrador?
Premier Paul Davis.
Which political party is in power in Newfoundland and Labrador?
Progressive Conservative.
What is the name of the Lieutenant-Governor of Newfoundland and Labrador?
Honourable Frank F. Fagan.
What is the capital city of Newfoundland and Labrador?
St. John's.
Which three natural resources are important to Newfoundland and Labrador's economy today?
My wife and I have invited our parents who live in Cuba to visit us in Toronto, Canada.
One of the supporting documents of the Application for Temporary Resident Visa is the Letter of Invitation.
The Letter of Invitation is written and signed by a person residing in Canada as a permanent resident or Canadian citizen, and it basically extends an invitation for the person abroad to visit him/her in Canada.
There is no formal template for this letter of invitation, but I wanted to share the one my wife and I used before to invite our parents. It has worked for us; hopefully it will help others.
Notice that this is just a template and you will need to adjust it to your particular case. Also, keep in mind that I am not a lawyer or an immigration specialist. This post should not be taken as advice on the matter. If you use the info here, you do it at your own risk.
Finally, if this article was useful, I would kindly ask you to share it by clicking the Google Plus (G+) button at the beginning of this post.
Toronto, May 6th, 2016
Immigration Department
Embassy of Canada in Havana
Subject: Letter of Invitation
To Whom It May Concern:
I, Cristopher Columbus, Canadian Citizen with Passport No. XXXXXXXX and residence at ____________________, Toronto, ON, Canada; wish to invite my father Mr. Dominic Columbus to visit me for a period of 3 months staying at my home.
My father is a Cuban citizen with ID. No. YYYYYYYYYYY and Passport No. ZZZZZZZ; with permanent residence at ___________________, Havana City, Cuba.
I hereby guarantee and assume all costs that may be incurred by my father’s visit such as plane tickets, travel insurance, accommodation, maintenance, and any other costs, so that he will be of no burden to the government of Canada.
I’m employed (full time) as Naval Engineer at Voyage Inc. since April 15th, 2008.
My wife, Filipa Moniz Perestrelo, is also employed full time as Sales Representative at Best Boats Inc. since February 31st, 2011.
We have the financial means to take care of my father during his visit to Canada; the corresponding documents will be enclosed with the application.
There are no intentions for my father to stay permanently in Canada.
If you have any concerns regarding this matter, please do not hesitate to contact me at +1 (647) 000-0000 or by email at cristopher.columbus@email.com.
All the questions and answers listed in this post are covered in more detail in Discover Canada (Citizen Study Guide). This article mainly covers the topics at the federal level (Canada-wise).
For questions and answers specific to your province or territory, just click on the corresponding link below:
A distinct people of mixed Aboriginal and European ancestry.
Who were the United Empire Loyalists?
Settlers who came to Canada from the United States during and after the American Revolution.
What does Confederation mean?
Joining of provinces to make a new country.
What year was Confederation?
1867.
Which provinces first formed Confederation?
Nova Scotia, New Brunswick and the Province of Canada.
Which was the last province to join Canada?
Newfoundland.
When is Canada Day and what does it celebrate?
We celebrate the anniversary of Confederation July 1st of each year.
When did the British North America Act come into effect?
1867.
Why is the Constitution Act of 1982 important in Canadian history?
It allows Canada to change the Constitution without asking approval of the British Government.
What part of the Constitution legally protects the basic rights and freedoms of all Canadians?
The Canadian Charter of Rights and Freedoms.
When did the Canadian Charter of Rights and Freedoms become part of the Canadian Constitution?
1982.
Name two fundamental freedoms protected by the Canadian Charter of Rights and Freedoms:
Freedom of religion and freedom of speech.
Name three legal rights protected by the Canadian Charter of Rights and Freedoms:
Right to live and work anywhere in Canada, right to a fair trial, and right to protection against discrimination.
What is the meaning of the Remembrance Day poppy?
To remember the sacrifice of Canadians who have served or died in wars up to the present day.
When is Remembrance Day celebrated?
November 11th.
What does equality under the law mean?
Being treated with equal dignity and respect, and having equal rights to speak out and express ideas.
Name six responsibilities of citizenship:
Vote, help others, care for our heritage and environment, obey Canada’s laws, respect the rights of others, eliminate injustice.
What is an example of how you can show responsibility by participating in your community?
Join a community group.
Lists four rights Canadian citizens have:
Right to challenge unlawful detention, vote, apply for a Canadian passport, enter and leave Canada freely.
What will you promise when you take the Oath of Citizenship?
Pledge allegiance to the Queen, observe the laws of Canada and fulfill the duties of a Canadian.
What are the two official languages of Canada?
English and French.
What is an example of where English and French have equal status in Canada?
In the Parliament of Canada.
Where do most French-speaking Canadians live?
Quebec.
Which province has the most bilingual Canadians?
Quebec.
Which province is the only officially bilingual province?
New Brunswick.
What does the Canadian flag look like?
White with a red border on each end and a red maple leaf in the centre.
What song is Canada’s national anthem?
O Canada.
Give the first two lines of Canada’s national anthem.
O Canada! Our home and native land! True patriot love in all thy sons command.
From where does the name “Canada” come?
From “kanata”, The Huron-Iroquois word for village.
Which animal is an official symbol of Canada?
The beaver.
What is the population of Canada?
About 33 millions.
On what date did Nunavut become a territory?
April 1st, 1999.
What are the three main types of industry in Canada?
Natural resources, manufacturing and services.
In what industry do most Canadian work?
Service.
What country is Canada’s largest trading partner?
The United States of America.
Which region is known as the industrial and manufacturing heartland of Canada?
Central Canada.
Which region of Canada is known for both its fertile agricultural land and valuable energy resources?
Prairie Provinces.
Who is Canada’s Head of State?
Her Majesty Queen Elizabeth II.
Who is the Queen’s representative in Canada?
Governor General of Canada.
What do you call the Sovereign’s representative in the provinces?
Lieutenant – Governor.
What is Canada’s system of government called?
Parliamentary government.
What are the three parts of Parliament?
The Queen, the House of Commons and the Senate.
What do you call a law before it is passed?
A Bill.
How does a bill become a law?
Approval by a majority in the House of Commons and Senate and finally the Governor General.
How are the Members of Parliament chosen?
Elected by Canadian citizens.
Who do Members of Parliament represent?
Everyone who lives in his or her electoral district.
What are the tree levels of government in Canada?
Federal, Provincial and Territorial, Municipal (local).
Name two responsibilities of the federal government:
National defense and foreign policy.
What is the government of all of Canada called?
Federal.
How many electoral districts are there in Canada?
338.
Who has the right to vote in federal elections?
A Canadian citizen, 18 years or older and on voters list.
What three requirements must you meet in order to vote in a federal election?
Canadian citizen, 18 years or older and on the list of electors.
When asked, who must you tell how you voted in a federal election?
No one.
What do you mark on a federal ballot?
An “X”.
How is the government formed after a federal election?
The party with the most elected representatives becomes the party in power. The leader of this party becomes the Prime Minister.
How is the Prime Minister chosen?
The leader of the party with the most elected representatives becomes the Prime Minister.
When must federal elections be held?
On the third Monday in October every four years following the most recent general election.
Which party becomes the Official Opposition?
The party with the second most MPs.
What is the role of the opposition parties?
To oppose or try to improve government proposals.
What is a voter information card?
A form that tells you when and where to vote.
Who has the right to run as a candidate in federal elections?
Any Canadian citizen who is at least 18 years old.
Who do Canadians vote for in a federal election?
A candidate they want to represent them in Parliament.
What was the Women’s Suffrage Movement?
The effort by women to achieve the right to vote.
In the 1960s, Quebec experienced an era of rapid change. What is this called?
The Quiet Revolution.
Which of the following is not a feature of Canada’s system of government: Dictatorship, a Federal state, parliamentary democracy and Constitution Monarchy?
Dictatorship.
Who have major responsibilities on First Nations reserves?
Band chiefs and councillors.
What is Canada’s national winter sport?
Hockey.
How many Canadians have been awarded the Victoria Cross (V.C.), the highest honour available to Canadians?
99.
What is meant by the equality of women and men?
Men and women are equal under the law.
Who are the founding peoples of Canada?
Aboriginal, French and British.
What does the word “Inuit” mean?
“The people” in the Inuktitut language.
What percentage of Aboriginal people are First Nations?
65%
What did the Canadian Pacific Railway symbolize?
Unity.
What does it mean to say Canada is a constitutional monarchy?
Canada’s Head of State is a hereditary Sovereign (Queen or King) who reigns in accordance with the Constitution.
What is the highest military honour a Canadian can receive?
Victoria Cross.
In Canada, are you obliged to tell others how you voted?
No, but you may choose to discuss how you voted with others.
Who was Sir Louis-Hippolyte La Fontaine?
A champion of democracy and French language rights and the first leader of a responsible government in the Canadas.
What does the term “responsible government” mean?
The ministers of the Crown must have the support of a majority of the elected representatives in order to govern.
In Canada, are you allowed to question the police about their service or conduct?
Yes, if you feel the need to.
What is the role of the courts in Canada?
To settle disputes.
When you vote on Election Day, what do you do?
Go to the voting station with your voter’s card and ID, mark an X in the circle next to the candidate of your choice, fold the ballot and present it to the pools officials.
Name two key documents that contain our rights and freedoms:
Canadian Charter of Rights and Freedoms and Magna Carta (the Great Charter of Freedoms)
What is the difference between the role of the Sovereign and that of the Prime Minister?
The Sovereign is the guardian of Constitutional freedoms; the Prime Minister selects the Cabinet ministers and is responsible of operations and policy of government.
What is the significance of the discovery of insulin by Sir Frederick Banting and Charles Best?
Insulin has saved 16 million lives worldwide.
What are some examples of taking responsibility for yourself and your family?
Getting a job, taking care of one’s family, and working diligently in keeping with one’s abilities.
Which three countries are signatories to NAFTA?
Canada, Mexico and the United States.
What was the significance of June 6th, 1944, invasion of Normandy?
Canadians made a significant contribution to the defeat of Nazism and Fascism in Europe during the Second World War.
Gloria is a new immigrant in Canada. What law allows her to take up jobs at par with a man?
Equality of woman and men.
Why is the battle of Vimy Ridge important?
Canadian Corps secured its reputation for valor and bravery.
What is a majority government?
When the party in power holds at least half of the seats in the House of Commons.
Which province is the main producer of pulp and paper and hydro-electricity?
Quebec.
A Member of Parliament from Toronto announces that she will spend her weekend in her electoral district. This mean she would be:
In the part of Toronto where she was elected.
What is the Queen’s representative in the Territories called?
Commissioner.
How is a Cabinet Minister chosen?
By the Prime Minister.
The Canadian Coat of Arms and motto is “A Mari Usque Ad Mare.” This means:
From sea to sea.
Canada has three territories and how many provinces?
10.
Why is trade with other counties important to Canada?
It enhances our economy and raises our standard of living.
How are the Senators chosen?
They are chosen by the Prime Minister and appointed by the Governor General.
What should you do if you do not receive a voter information card telling you when and where to vote?
Call Elections Canada or visit their website.
After a federal election, which party forms the new government?
The party with the most elected representatives becomes the party in power.
Which of the following statements about residential schools is NOT true?
[NOT TRUE] The schools were welcomed by the Aboriginal people.
[TRUE] The federal government placed many Aboriginal children in residential schools to educate and assimilate them into mainstream Canadian culture.
[TRUE] The schools were poorly funded and inflicted hardship on the student.
[TRUE] Aboriginal language and cultural practices were mostly prohibited.
Who are the Quebecers?
People of Quebec.
Who are the Acadians?
The descendants of French colonists who began settling in what are now the Maritime Provinces in 1604.
What is the largest religious affiliation in Canada?
Roman Catholic.
Which Act granted, for the first time in Canada, legislative assemblies elected by the people?
The Constitutional Act of 1791.
Describe with one sentence the War of 1812.
The USA invaded Canada and was defeated, which ensured that Canada would remain independent of the United States.
Who was the first leader of a responsible government in the Canadas in 1849?
Sir Louis-Hippolyte La Fontaine.
Who was Sir Sam Steele?
A great frontier hero, Mounted Policeman and soldier of the Queen.
Who had played an important part in building the Canadian Pacific Railway (CPR)?
Chinese railroad workers.
What is the “Head Tax”?
Race-based entry fee charged for Chinese entering Canada.
Who is General Sir Arthur Currie?
Canada’s greatest soldier in the First World War.
Approximately how many Canadians served in the First World War?
More than 600,000.
What three oceans border Canada?
Atlantic, Arctic and Pacific.
What is the capital city of Canada?
Ottawa.
Name the five regions of Canada:
Atlantic, Central, Prairie, West Coast and North.
What are the provinces of Central Canada and their capital cities?
Ontario (Toronto) and Quebec (Quebec City).
What are the provinces of the Atlantic region and their capital cities?
Newfoundland and Labrador (St. John’s), Nova Scotia (Halifax), New Brunswick (Fredericton) and Prince Eduard Island (Charlottetown).
What are the Prairie Provinces and their capital cities?
Alberta (Edmonton), Saskatchewan (Regina) and Manitoba (Winnipeg).
What are the territories of Northern Canada and their capital cities?
Yukon Territory (Whitehorse), Northwest Territories (Yellowknife), and Nunavut (Iqaluit)
Which region covers more than one-third of Canada?
Northern Territories.
In which region do more than half the people in Canada live?
Central Canada.
One third of all Canadians live in which province?
Ontario.
Where are the Great Lakes?
Between Ontario and the United States.
Where are the Parliament Buildings located?
Ottawa.
Which country borders Canada on the South?
United States of America.
Which province in Canada is the smallest in land size?
Fortunately, I was able to get that money back. Questrade has a transfer fee rebate promotion by which they will rebate up to $150 of those transfer-out fees, if you transfer an RRSP worth at least $25,000CAD (either in cash or assets).
In order to claim the rebate, you will need to wait 3 months after transferring the RRSP. Once you have had the RRSP active with Questrade for 3 months, just log into your Questrade account and upload the RRSP statement containing the transfer-out fee. Then you need to email or call whoever helped you in opening the account and ask him/her to process the rebate for you.
What happens if your previous institution statement does not show the transfer out fee? This happened to me actually: my last RBC RRSP statement did not show any transfer out fee; but the first Questrade statement was exactly $50 short.
So, I went to my RBC branch and asked for information about this issue. How come I have no trace in my statement of the missing $50? They opened an investigation and mailed back to me (over postal mail) with an explanation.
RBC sent me a letter confirming that they charged $50CAD in transfer out fees, but that was not reflected in the statement. I find this omission from the statement a little odd, but anyhow I used this letter in order to get my rebate with Questrade.
It took less than a week for me to get the rebate, after I uploaded my RBC statement/letter and emailed the Questrade specialist that helped me in opening the account. The $50CAD rebate was deposited in cash directly into my Questrade RRSP account.
On a side note, Questrade has some promotions for new users. With the Refer a friend promotion you can unlock cash bonuses upon opening an account online and making your first deposit.
$1,000.00 deposit unlocks a $25 cash bonus for you.
$10,000.00 deposit unlocks a $50 cash bonus for you.
$25,000.00 deposit unlocks a $75 cash bonus for you.
$50,000.00 deposit unlocks a $100 cash bonus for you.
$100,000.00 deposit unlocks a $250 cash bonus for you.
To use this promotion you need an active Questrade user to refer you. I would be very glad to refer you. Why? Well, because I get some cash bonuses as well by referring you :-) If you want me to refer you click this link. Great, now both of us are in the money! Thanks.
Disclosure: For a complete list of promotions click here.
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Let’s say I want to allocate 10% of my investment portfolio in government bonds and 5% in corporate bonds. For that I want to use short-term bonds ETFs.
After some research, I narrowed my choices of ETFs to these:
VSB is composed approximately of 72% government bonds and of 28% corporate bonds. On the other hand, VSC is composed roughly of 8% government bonds and of 92% corporate bonds.
Question: given the description above, what would be the percentages of VSB and VSC in our portfolio?
At this point, I am going to throw a couple of formulas at you. You can use them to calculate the weightings of VSB and VSC. I came up with these formulas by myself. I can share the algebraic demonstration…If you want it, drop a comment below.
% VSC = S * [ ( X - Y*R ) / ( Z*R – Y*R + X – W ) ] % VSB = S * [ (Z*R - W) / (Z*R – Y*R + X - W) ]
Where:
X is the percentage of VSB dedicated to government bonds; in our example would be 72.
Y is the percentage of VSB dedicated to corporate bonds; in our example would be 28.
W is the percentage of VSC dedicated to government bonds; in our example would be 8.
Z is the percentage of VSC dedicated to corporate bonds; in our example would be 92.
S is the sum of the weightings of government and corporate bonds in our portfolio; in our example S would be 15 (10 + 5), because we want to have 10% in government bonds and 5% in corporate.
R is the ratio of government bonds to corporate bonds; in our example R would be 2 (10 / 5).
Answer: if we want to hold 10% in government bonds and 5% in corporate bonds; then 1.25% of our portfolio should be allocated in VSC and 13.75% should be allocated in VSB.
The usefulness of the formulas lies in the ability to change your target weightings for government and corporate bonds. This will of course result in new values for R and S that can be used to revaluate the formulas, allowing you to calculate the new percentages for VSB and VSC.
Finally, notice that the values of X, Y, Z and W do not change often. They represent the weighting of the different bonds within these ETFs. Refer to “Sector weighting (% of net asset value)” within the corresponding ETFs fact sheets if you want to determine these values yourself.
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