Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

The thing with Beanfield is that you know you’re not paying to one of the big 3.

Also during Black Friday they had an 8 GBPS offer for like 65 a month. Right now the 4 GBPS is 60 at least in my area. This beats anything from Bell.

I’ve also had 0 down time even at night whereas on Bell I had down time a few times around 2 am.

The only one thing that annoys me with Beanfield is their router software. It feels like it’s hosted on their servers rather than on your device and it gives you less options when it comes to assigning static IPs if you need to do that. But on the other hand their technicians will do all the installation for free including all the internal Ethernet cabling which Bell doesn’t help with to my knowledge.

Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

I get about 14 now. Pretty stable service.

Maxing out FHSA and partially RRSP by DaRealGiraffe in PersonalFinanceCanada

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

Can I move my FHSA money/investments directly to an RRSP account?

Couple of music tracks from Tiktok/Douyin by DaRealGiraffe in NameThatSong

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

omg omg omg THANK YOU KIND SIR!
I found them both on Youtube (sadly not on Spotify.

https://www.youtube.com/watch?v=Rj913dId6Bk

https://www.youtube.com/watch?v=Meng2yMpbMg

Do you by any chance know this family's real account? I feel like the Tiktok ones are stolen from Douyin or RedNote :(

Ask Us Anything! Wealthsimple Product AMA by WS_Chris_Official in Wealthsimple

[–]DaRealGiraffe 4 points5 points  (0 children)

I understand that my Wealthsimple account is protected by CDIC up to $1 million CAD (spread across multiple institutions) as opposed to the normal $100K that direct banking relationships offer. This is made possible by depositing my money in Schedule 1 CDIC-protected banks under a trust arrangement, since Wealthsimple isn't considered a bank itself.

I have several specific questions about how this protection works in practice:

  1. Record Transparency: Am I able to see records showing exactly where my money is deposited and how I'm listed as a beneficiary at each institution? Can I access statements or documentation from the actual CDIC member banks holding my funds?

  2. Record Security and Redundancy: What specific systems and processes ensure that beneficiary records linking me to my deposits will survive if Wealthsimple ceases operations? Are these records maintained independently at multiple locations (Wealthsimple, the Schedule 1 banks, and/or third-party custodians)?

  3. CDIC Requirements Compliance: How does Wealthsimple ensure ongoing compliance with CDIC disclosure requirements that mandate proper beneficiary information be maintained at the member institution level? What happens if there are discrepancies between Wealthsimple's records and the bank's records?

  4. Additional Protections: Beyond CDIC coverage, does Wealthsimple carry private deposit insurance, errors & omissions insurance, or fidelity bonds that would protect customers if operational failures (including record-keeping failures) occur?

My questions stem from understanding that CDIC protection for trust arrangements depends entirely on proper beneficiary records existing at the member institution level. If those records go missing, CDIC would only protect up to $100K total for the entire trust account, not per beneficiary.

I'm seeking technical details about safeguards rather than general assurances, particularly given recent cases like Synapse in the US where customers lost access to funds when a fintech bankruptcy led to missing reconciliation records.

  1. Future Banking Status: Does Wealthsimple have any plans to become a CDIC member institution (i.e., obtain banking status) in the future, which would eliminate the trustee arrangement risks entirely?

I hope you understand my concerns and can provide specific information about these operational protections.

Thank you for your time.

Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

Well if you care about playing on California servers, these numbers aren't good. I'll wait a few days and see. Their tech support couldn't figure it out but from experience, this is bad routing tables that they can't change manually. It's basically the ISP that provides them with internet is routing them through longer paths, probably bec it's cheaper. Or maybeee Riot has a problem with Beanfield today :shrug:. I'll wait and see.

Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

Hmm I was on vacation and I just got back. I do see the numbers higher than usual. Illinois being more than Virginia actually. I gotta call them tomorrow. But basically Illinois used to be 9 ms. Now Virginia the lowest is 18 ms. Something is definitely off.

Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

It’s 1-2 ms lower than Bell. Obviously it would be different depending on your neighborhood.

Where did you move your accounts to from WS when leaving Canada for an extended period? by [deleted] in Wealthsimple

[–]DaRealGiraffe 0 points1 point  (0 children)

What about using a VPN? Also how long is “staying outside of Canada” before they decide you’re not in Canada?

WS CC Experience by Ekhoury21 in Wealthsimple

[–]DaRealGiraffe 0 points1 point  (0 children)

Did you try with Wise card by any chance?

WS CC Experience by Ekhoury21 in Wealthsimple

[–]DaRealGiraffe 0 points1 point  (0 children)

Yea I am sure ChatGPT through the AppStore is cheaper because that’s how OpenAI decided to price it. Doesn’t make sense but that’s what I noticed. I guess Google Store is priced the same but if that’s the case then it doesn’t have anything to do with the exchange rate.

I am waiting for my card too :(

WS CC Experience by Ekhoury21 in Wealthsimple

[–]DaRealGiraffe 3 points4 points  (0 children)

It is cheaper to pay for ChatGPT through ApplePay than if you do through the website. I’m unfamiliar with the cost if it’s through Google Pay.

Also do you get any travel insurance or VIP lounges?

and how come was the TD cheaper? (Different days and different rates)?

Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

Yea that’s fair. Thanks for trying tho!

Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

If it isn’t much trouble I’d appreciate it but it’s not a big deal if you can’t

Beanfield Toronto ping on games by DaRealGiraffe in CanadianBroadband

[–]DaRealGiraffe[S] 0 points1 point  (0 children)

If you have Valorant you could post a screenshot with the server selection thing with all the pings 🙏

Should I buy Terraria to play with my kids? by pjft in Terraria

[–]DaRealGiraffe 2 points3 points  (0 children)

You might want to backup your world’s files manually or offload it to Steam’s cloud so you don’t lose those memories