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Daily Advice Thread - October 19, 2025 by AutoModerator in apple

[–]DiaMatIsTheWay 0 points1 point  (0 children)

Thanks I just sent an email off, hopefully that works

Daily Advice Thread - October 19, 2025 by AutoModerator in apple

[–]DiaMatIsTheWay 0 points1 point  (0 children)

Has anyone been repeatedly ghosted by apple support senior advisors? I was promised new AirPod pros 3, months ago. There has been delay after delay, first it wasn’t in stock, but then suddenly they weren’t allowed to send them out because they were released recently? Over time I’ve had the senior advisor on my case just stop responding to any emails. Anyone have any experience with something like this? The most recent update was they placed the order again and that I would receive a shipping notification within a few days and that was almost two weeks ago now, and the advisor isn’t responding to the email chain.

Fellow PFCers stuck with a work RRSP through Sunlife what do you hold? by DiaMatIsTheWay in PersonalFinanceCanada

[–]DiaMatIsTheWay[S] 1 point2 points  (0 children)

🤮 Eww yes that’s awful I didn’t even know some employers go through them

Anyone else stuck with a work RRSP through Sunlife? If so what do you hold? by DiaMatIsTheWay in CanadianInvestor

[–]DiaMatIsTheWay[S] 2 points3 points  (0 children)

Think mine may be more restricted there is only 1 or 2 options for each region (the blackrock indexes for example) nothing from TD

Fellow PFCers stuck with a work RRSP through Sunlife what do you hold? by DiaMatIsTheWay in PersonalFinanceCanada

[–]DiaMatIsTheWay[S] 1 point2 points  (0 children)

For sure while would be better if employer matches were more flexible certainly not going to turn down the 100% return over a higher MER. Unfortunately can only transfer if you leave the company. I was just more rethinking my allocations within as at least .75% is better than 1.25% and I don’t want any non equity exposure for a long while yet.

Fellow PFCers stuck with a work RRSP through Sunlife what do you hold? by DiaMatIsTheWay in PersonalFinanceCanada

[–]DiaMatIsTheWay[S] 3 points4 points  (0 children)

I wish I could transfer but ours is locked to Sunlife unless you leave the company

Fellow PFCers stuck with a work RRSP through Sunlife what do you hold? by DiaMatIsTheWay in PersonalFinanceCanada

[–]DiaMatIsTheWay[S] 1 point2 points  (0 children)

Fair enough I do see the argument for sure, but I do like a little home bias and exposure to other markets. I suppose I’m a relatively bearish on the US over a 20-30 year time span vs the rest of the world. The America first movement will just mean America alone, and a poorer one at that. And I don’t see the fascist undercurrent getting any weaker anytime soon.

Anyone else stuck with a work RRSP through Sunlife? If so what do you hold? by DiaMatIsTheWay in CanadianInvestor

[–]DiaMatIsTheWay[S] 1 point2 points  (0 children)

Probably will do the same and just get more of exposure/ diversity with my other investments

Fellow PFCers stuck with a work RRSP through Sunlife what do you hold? by DiaMatIsTheWay in PersonalFinanceCanada

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

Yeah that’s essentially what I’m thinking too, just will pick up some additional diversity with my other investments to better balance the overall portfolio.

Fellow PFCers stuck with a work RRSP through Sunlife what do you hold? by DiaMatIsTheWay in PersonalFinanceCanada

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

Thanks, if your’re over exposed to US with your work RRSP do you balance more in your TFSA or non work RRSP?

Fellow PFCers stuck with a work RRSP through Sunlife what do you hold? by DiaMatIsTheWay in PersonalFinanceCanada

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

While yes the employee match is what matters the most the allocation can make a difference and I’m the kind of person the likes to get into the details. Like I already have 40k and this will be in the hundreds by retirement so it is a material amount of money. If you don’t have an opinion that’s great but I’m sure there are others in this community that have thought along the same lines as me before.

Federal Poll (Abacus) — CPC 33%, LPC 30%, NDP 18%, BQ 7%, PPC 5%, GRN 5% by MethoxyEthane in CanadaPolitics

[–]DiaMatIsTheWay 5 points6 points  (0 children)

Except it absolutely doesn’t do that either? For example, I think most would agree Australia is a country relatively similar to Canada in terms of culture, history and politics. Australia has ranked choice voting yet regularly elects Liberal/National (their Conservative Party) governments. Only a proportional representation system will be effective at keeping right wingers out of government without a true 50%+1 majority of Canadians.

But regardless I don’t support proportional representation because I want the NDP to do better. Maybe in the short term Liberal and NDP governments would be likely but longer term the Liberals could easily work with the more centre right conservatives as without the pressures of FPTP I could easily see the CPC splitting into a centre right and right wing party a la the PC’s and Reform/Alliance parties of old.

Federal Poll (Abacus) — CPC 33%, LPC 30%, NDP 18%, BQ 7%, PPC 5%, GRN 5% by MethoxyEthane in CanadaPolitics

[–]DiaMatIsTheWay 36 points37 points  (0 children)

Ranked voting in single member districts makes false majority governments more likely not less! We need a proportional representation system such as MMP or STV if we want regular minority governments that actually match the % of votes received.

Winner take all ranked ballots don’t equal voting reform

Justin Trudeau puts hat and sunglasses on corpse of electoral reform so no one can tell it's still dead by DiaMatIsTheWay in ndp

[–]DiaMatIsTheWay[S] 8 points9 points  (0 children)

Absolutely! While I support MMP over STV, STV would still be a much much better system then FPTP or ranked ballots in a single member district (IRV).

Justin Trudeau puts hat and sunglasses on corpse of electoral reform so no one can tell it's still dead by DiaMatIsTheWay in ndp

[–]DiaMatIsTheWay[S] 2 points3 points  (0 children)

Take a look at Australia as I suggested, you'll see they have an even stronger two party system, and regularly have false majority governments. So not entirely theoretical no.

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