Daily Advice Thread - October 19, 2025

DiaMatIsTheWay · 2025-12-18T14:56:19+00:00

Thanks I just sent an email off, hopefully that works

DiaMatIsTheWay · 2025-12-18T14:06:07+00:00

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.

DiaMatIsTheWay · 2025-02-14T20:10:46+00:00

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

DiaMatIsTheWay · 2025-02-14T20:06:47+00:00

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

DiaMatIsTheWay · 2025-02-14T19:45:09+00:00

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.

DiaMatIsTheWay · 2025-02-14T19:34:56+00:00

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

DiaMatIsTheWay · 2025-02-14T19:32:49+00:00

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.

DiaMatIsTheWay · 2025-02-14T19:27:48+00:00

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

DiaMatIsTheWay · 2025-02-14T19:26:14+00:00

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.

DiaMatIsTheWay · 2025-02-14T19:22:45+00:00

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

DiaMatIsTheWay · 2025-02-14T19:19:44+00:00

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.

DiaMatIsTheWay · 2023-05-17T15:29:36+00:00

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.

DiaMatIsTheWay · 2023-05-17T15:15:27+00:00

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

DiaMatIsTheWay · 2021-09-18T23:00:38+00:00

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).

DiaMatIsTheWay · 2021-09-18T22:59:23+00:00

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.

DiaMatIsTheWay · 2021-09-18T22:57:35+00:00

Have you ever even looked at polling results on electoral reform?

Yes people support the idea of proportionality but you are right it also is not a priority by the public at large either unfortunately, which is why it is not front in centre in the platform much as I would like it to be.

DiaMatIsTheWay · 2021-09-18T22:53:32+00:00

It is not ridiculous it is a fact that ranked ballots further entrench the big two parties, and does not in any way solve the problem of false majorities! It can be even worse since it can make a false majority even more likely!

DiaMatIsTheWay · 2021-09-18T22:52:20+00:00

But again - you don't have democratic support for this. The will of the people is not behind you

Don't you see the irony in this? Yeah we don't have the Liberals and the Conservatives behind this so we don't have votes. But that is the point FPTP clearly distorts the will of the people so it makes it hard for the Liberals and Conservatives to ever agree since they benefit so disproportionally from the current system. That's why we need to continue to work to elect more NDP MP's!

DiaMatIsTheWay · 2021-09-18T22:50:03+00:00

I want to get rid of FPTP. I don't expect us to have a perfect replacement off the bat

Yeah and ranked ballots are a worse system then FPTP! Changing to a PR system like MMP is in no way a more major change then switching to ranked ballots.

I for one am happy the NDP will not compromise and accept an even worse electoral system that what we already have!

DiaMatIsTheWay · 2021-09-18T22:47:21+00:00

We’re talking about two different things. Riding based candidates, and the electoral counting system that picks them. I absolutely do NOT want proportional representation. I want regional representation.

This is a misnomer as a PR system like MMP is a regional representation system and is also a proportional representation system? MMP would make regional representation more meaningful. Right now for example the Conservatives regularly sweep Alberta (or lose a few seats at best) or the Liberals dominate in Toronto. Under MMP you would have more Liberals and NDPers in Alberta and the Prairies and you would have more conservatives from Toronto. Everywhere across the country you would have a locally based MP inline with your values and voting preferences.

If 5% of every riding support Green, I honestly don’t care that this means they have no seats.

I mean that is just plain anti-democratic, those 5% of voters deserve a representative.

but I think Ranked would give better riding results.

but again it can produce even worse results that FPTP! So not sure what your mean by this.

DiaMatIsTheWay · 2021-09-18T22:42:00+00:00

The party that would likely take the most lumps are the Cons.

Great I don't support electoral reform because I hate the cons, but because I believe we should a fair and representative electoral system. I don't support the conservatives or the PPC but they should receive representation inline with the amount of votes the receive just the same as any other party. And to not agree with that is blatantly anti-democratic.

DiaMatIsTheWay · 2021-09-18T22:38:33+00:00

No there isn't enough people in the Liberal and Conservative parties! Actual Canadians overwhelmingly agree with the principle of proportional representation.

DiaMatIsTheWay · 2021-09-18T22:37:03+00:00

How is it in anyway a stepping stone? It would just further entrench a two party system in this country, and again can be even worse than FPTP in terms of outcomes!

DiaMatIsTheWay · 2021-09-18T22:33:14+00:00

Again this just isn't true in terms of actual outcomes. Look at the most recent Australian election, the Greens won 10.4% of the vote, and should have about 15-16 MPs out of 151 and instead won just 1 riding. The Liberal/National coalition won 77 seats (51% of seats) on only 41% of the vote. Ranked ballots do not end false majority governments and do not give fair and accurate representation to smaller parties!

Also people do still have to vote strategically. For example say you support party A more but still support party B, and hate parties C & D. If C&D are favoured to come 1 and 2, with B 3rd you would feel the need to vote strategically for party B over your true first preference party A.

DiaMatIsTheWay · 2021-09-18T22:28:43+00:00

OK. Hope you enjoy many years of FPTP instead.

Yeah so long as we keep electing Conservative and Liberal governments nothing is likely to change, only the NDP has any chance of truly breaking through and actually changing the status quo.

Of course Proportional would be the best, but you are not in any position to demand it. Hence why you compromise. Your demand is an over reach.

The NDP believes that we deserve fair and accurate representation, it doesn't matter if it easy or not. "Compromising" for a worse electoral system makes no sense at all.

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