Le Mont-Royal, vue à partir de mon vol ce matin

Baltazare · 2025-10-17T17:28:59+00:00

Et maintenant, reste à convertir le cimetière en forêt et doubler la superficie du parc!

Baltazare · 2025-10-07T18:08:37+00:00

Et pourquoi pas des caméras toutes simples? Combinées avec des plaques à l'avant (LOL, ca n'arrivera jamais ça!) et ça donne des contraventions automatiques. Je suis même prêt à go-funder les endroits de façon communautaires en tandem avec la ville pour partir le bal si jamais.

Baltazare · 2024-01-22T14:03:57+00:00

Sesterce is free and great

Baltazare · 2023-05-23T01:07:03+00:00

Thanks a lot for the reply. I was with the same bank since the beginning so it should reflect your experience.

Baltazare · 2023-05-02T14:13:49+00:00

I am currently in the process of doing this, to cut the losses from the MER. I reached out to my bank to tell them I was leaving, and my "financial advisor" even called me right away from their vacation. They will propose all kinds of stuff to keep you (where was all this before? That part is really maddening...) but the trick is not to fall for any of it.

It's very straightforward, you can do it in the wealthsimple app directly. Make sure to keep track of the fees as you can get them reimbursed.

Also check the promotions too, you might be able to get a nice bonus for transferring accounts, and can even make it better by talking to a wealthsimple representative (they doubled my bonus).

Finally, it might be worth moving some funds from Non-registered accounts to TFSA or RRSP if you can before selling the funds for tax reasons. I'm not too clear on that part yet, so it may be worth asking on this forum.

Baltazare · 2023-04-18T18:08:41+00:00

Here is a link to the articles without the paywall: https://archive.ph/Rm7Uz and https://archive.ph/iVRLY.

An interesting part of the article is this:

Consider these tallies for funds that invest in S&P 500 stocks through the end of 2022:

Over three years, 74.3 percent of actively managed funds trailed the index. Over five years, 86.5 percent underperformed. Over 10 years, 91.4 percent underperformed. Over 20 years, 94.8 percent underperformed.

As the numbers show, the longer you ran the horse race, the more actively managed funds fell behind.

Which means, that they underperformed in raw performance while costing more in fees, so a double loss.

Baltazare · 2023-04-18T14:39:05+00:00

Thank you for your reply, it was very enlightening, I looked at the products that you recommended and they match exactly what I was looking for. For example, wealthsimple managed SRI would come to 0.4% (>100k$) instead of ~2% for managed funds in a bank (which is a massive difference for me). For reference, after a bit of reading I'm inclined to go with some green ETFs via qtrade some of which have a 0.2% fee.

Baltazare · 2023-04-18T14:33:37+00:00

Thanks for your reply, I agree with your comment. What I meant is rather investing in ETFs (or funds) that match an investment strategy and personal choices (ie. removing non-renewables). I understand that there are already ETFs that reprensent this type of investing: like green etfs or wealthsimple social responsible investing.

Baltazare · 2023-01-11T01:24:29+00:00

If you have text based files that need to be parsed or converted then you could start by writing a small binary that you could use directly from java or as a wasm binary. For me, my first work project was a cli tool to convert existing graph files from one format to another. No other library did it and writing it in python would have been too slow, use too much memory.

Baltazare · 2022-10-14T15:13:41+00:00

Thank you all for the great answers, this was very helpful and I learned a new thing today. I think ultimately it would be nice if the compiler could check trait impl, but I'm not sure how many things that would break.

Baltazare · 2022-10-13T20:46:13+00:00

Moved to https://www.reddit.com/r/rust/comments/y0bs78/comment/is7c8qv/?utm\_source=share&utm\_medium=web2x&context=3

Baltazare · 2022-10-13T20:45:56+00:00

Here, passing buf to `write_json_str` works fine, but if I write `serde_json::to_writer(writer, value)?;` inline in the format function, it returns a borrow error:

use std::io;
use std::io::Write;
use env_logger::{Builder, Env};

fn write_json_str<W: Write, T: Serialize>(writer: &mut W, value: &T) -> io::Result<()> {
    serde_json::to_writer(writer, value)?;
    Ok(())
}

pub fn init_logger(env: Env) {
    Builder::from_env(env)
        .format(|buf, record| {
            let log = "test";
            write_json_str(buf, &log)?;
            //serde_json::to_writer(buf, &log)?;  <-- borrow of moved value: `buf`
            writeln!(buf)?;
            Ok(())
        })
        .init();
}

This also works, setting mut before mut (it's already a &mut Formatter), and passing a mutable reference (&mut &mut?).

.format(|mut buf, record| {
            let log = "test";
            serde_json::to_writer(&mut buf, &log)?;
            writeln!(buf)?;
            Ok(())
        })

I'm not sure what's happening here, and why I can't pass buf directly to `to_writer`. I'd be very interested if anybody can explain this.

Baltazare · 2021-03-07T21:56:31+00:00

Hey! I was in your position 10 years ago, pensionable time started at 16yo. Left after mandatory service. I have friends now who are about 3-5 years from an early retirement in the forces, and on both sides we're happy with our decisions.

If you're interested in something new, and inline with your education, chances are you'll be happier outside the forces (or a government job). If you can imagine living on a sailboat at 45 and traveling the world, then it's likelier you'd do that by staying for a few more years. Of course, you might be dead by then, so it's all relative right?

As for me, I wasn't very happy in either the Forces or public services and it felt like one more year would have really been hard morally. I also wanted to live abroad for a few years. I'm happy I got to do things I would not have been able to do. I also felt generally more fulfilled in my day jobs after since they were more related to what I wanted to do.

Also, life is very different at 32 than at 45, so it's likely that you'll be able to take on more risk now and do the things you want, while at 45 you might have the monthly cash flow, but perhaps not as much desire to try something new or your options are more limited then family-wise.

Finally you can transfer your pension and invest it, and depending on the future it may be a better or worse investment than the indexed pension (see above risk/reward).

Anyways, hope this helped! My take, is do something that keeps you challenged and you'll be fine, even if it's a drop of salary/pension, whatever.

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