If you connect your HWW to your BULL Wallet you will have two on-chain wallets, the first being the default "Bitcoin Secure" wallet and the second your HWW wallet. It's currently not possible to have two liquid wallets, and not sure that's something that will be added int he future.

In the case of multiple individuals it's best east individuals has their own BULL Wallet app on their own device. As BULL is available on both iOS and Android.

CC Q only signed on-chain transactions, but for L-BTC transactions they are signed by your BULL Wallet account.

Wise just froze my business banking with 38k in there, so I can't make payment for my aws bill for websites that all went down yesterday

absolutely amazing stuff all around

Just read another story about someone being debanked and this one hit too close to home, Canada.

These are my random thoughts.

Investment Accounts:

I notice investment firms are rolling out funding by credit cards, fractional shares and buying outside of trading hours. This tells me that investors no longer own shares and firms are taking on more risk. We only own a right within a pool of shares. There is an increased risk of an event where our shares are lost and we need to get in line as a creditor. Why didn’t regulators come up with a system where investors own digital certificates to their shares? Because they want a system that they control.

RRSPs:

RRSPs can be withdrawn at anytime but trigger a taxable event. I’m screwed in a financial crisis as the taxable event will outweigh any benefit the account provides. For this reason, I will not use this account anymore and will drain it as soon as I can in the most tax efficient way.

TFSAs:

This is the sweet spot for Canadians who want to invest in stocks. I worry about fees and how long it takes to withdraw. The average investor doesn’t think about this until retirement.

Banks:

Additional restrictions are being put on how much I can withdraw. There are risks of debanking. This is forcing me to look into alternatives and how long it will take to adopt an alternative. The golden rule of holding 3 to 6 months of reserves in a bank is no longer a good option. Instead, I’m leaning towards physical cash, gold and bitcoin.

RESP:

A great option for a child’s education. This plan provides a cost savings of at least 25% and allows for the transition to an RRSP if it isn’t used. Even with AI, post secondary education will be needed. I will load up on btc ETFs here.

Debt:

I viewed having a mortgage as being good debt. I guess I still do. However, I viewed having a TFSA balance greater than my debt as my hedge. I now think it is a better idea to have bitcoin as this hedge.

Bitcoin:

Previously, I thought having Bitcoin ETFs were a safe, tax efficient option. This is no longer the case. An exit strategy is needed. Until I understand more about my investment risks, I will only invest in Bitcoin. Also, Bitcoin needs to be used as money. I need to find ways of switching everyday purchases from fiat to btc.

I hope this helps others.

We are starting with Colcard Q, and a few more will be added in future version releases; SeedSigner, Foundation Passport, Krux, Blockstream Jade, BitBox and Ledger.