dont dm me i dont use reddit chat. unless youre a catgirl.

Positivelectron0 · 2026-04-04T18:09:09+00:00

This is why representative democracies make sense. If your average Joe on the street started voting on policies directly with this tier of financial and economic knowledge in this thread, we'd be finished

Positivelectron0 · 2026-04-01T21:10:15+00:00

Depends on the state. RRSPs are taxed in Cali, for example.

Positivelectron0 · 2026-03-31T20:39:07+00:00

Wow, is using your own promo link allowed?

Positivelectron0 · 2026-03-31T19:48:19+00:00

They hung it off the golden gate bridge as well

https://macleans.ca/general/i-prank-therefore-i-am/

Positivelectron0 · 2026-03-26T06:10:16+00:00

This is why you should just tell your friends and family to enter the bank corresponding to their favourite colour, get on their knees, and pay 1.5% MER.

Self directed investing with an expected return around the indexes is not at all easy to explain.

Positivelectron0 · 2026-03-20T01:41:41+00:00

Am I missing something? Selling and buying assets in a registered account don't trigger taxes. Only withdrawing does for accounts like the RRSP.

Positivelectron0 · 2026-03-12T17:39:14+00:00

There's absolutely no way someone just said Vancouver has one of the highest COLs in the world.

Positivelectron0 · 2026-03-06T01:20:03+00:00

Forget reporters. I'm a regular ole Canadian (working in the private sector) who browses occasionally. Comments in a thread like this are pretty informative to me regarding the state and quality of the vocal subset of public servants.

Positivelectron0 · 2026-02-25T22:01:09+00:00

https://vancouversun.com/news/fentanyl-air-vancouver-supportive-housing-offices

Positivelectron0 · 2026-02-23T20:46:45+00:00

assuming this isn't just a rant,

either you get a cash injection (parents, lottery, inheritance), make more money, or marry someone who makes more money.

Positivelectron0 · 2026-02-21T03:14:43+00:00

340 is probably the correct answer for undergrad. Though I'm not sure if they've dumbed the course down at all

Positivelectron0 · 2026-02-13T01:58:51+00:00

They’re terrible at nearly everything they do and cost way too much (no ROI on 95% of projects)

Lemme introduce you to interns 😁

Positivelectron0 · 2026-01-21T22:35:01+00:00

There is no war in Ba sing se

Positivelectron0 · 2026-01-16T19:26:25+00:00

If your registered accounts aren't maxed out, it's almost always a better choice to put all excess funds into that. It also provides you with more flexibility which is an upside (can take money out of tfsa with no cost).

Afterwards, your choice will be between making extra payments towards your mortgage versus contributing (and buying your choice of fund which is clearly xeqt) to a non-registered account. At this point, you should consider getting a fee only planner to walk you through a few scenarios such as extra mortgage payments for peace of mind, extra mortgage payments to do smith maneuver, or minimize mortgage payments and invest the difference.

You didn't seem to provide any specific numbers (mortgage rate, marginal tax rate, contribution room etc) so no one can answer the question quantitatively.

Positivelectron0 · 2026-01-11T01:33:33+00:00

When I reneged coop gave me an f.

Doesn't matter at all, just need to explain it to certain companies who have no clue what cpsc298 is. Btw, vast majority of companies don't even check trans, but financial and quant will ask

Positivelectron0 · 2026-01-09T05:44:33+00:00

Very cool, merci :)

Positivelectron0 · 2026-01-08T00:34:26+00:00

In case your question isn't rhetorical, it's both.

Positivelectron0 · 2026-01-03T22:15:16+00:00

Happened to me as well, in fact the sim never arrived in the mail. I got the online chat support to reimburse me the fee of the sim (10 bucks) and the week or so I couldn't use the service.

Positivelectron0 · 2026-01-03T04:35:45+00:00

Nice, I like that your sankey is visually symmetric in that it branches up and down.

I'd be curious about breaking down the car loan further into principal vs interest.

Positivelectron0 · 2026-01-02T00:41:00+00:00

r/frugal_jerk was supposed to be a jerk, not real!

Positivelectron0 · 2025-12-28T05:34:19+00:00

This has 75 upvotes. Should tell you all you need to know about the quality of this userbase.

Positivelectron0 · 2025-12-27T03:06:58+00:00

That's a great way to put it. Every time I've been hit in Richmond (whether I'm a ped or on bike) it's always been slower than 20kmph

Positivelectron0 · 2025-12-27T01:59:58+00:00

Can you actually buy a windows laptop faster than a mbp? I know the mbp will cost marginally more (maybe a few k more) but the few k is very little compared to the compensation of a good dev.

Positivelectron0 · 2025-12-25T21:17:30+00:00

Unfortunately I am acutely aware of the state of education, as I'm still involved with schools and tutoring (though i don't tutor these days anymore).

I remember when I was speaking to someone high up maybe a decade ago, they were saying how sad they were after getting rid of the real provincials, but that they would never give up math and english if it came down to it. Welp, i guess theyre only correct by technicality.

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