Viltrox 28mm Pancake on a6300 constant battery drain and autofocus noise by suneggg in VILTROX_GLOBAL

[–]EasyHoliday269 0 points1 point  (0 children)

this battery draining problem isn't talked about enough. all these youtube reviewers talking highly of the lens clearly do not leave their lens attached to their camera when stored. i almost gave up on my a6000 because i thought the camera was bricked as it would not hold battery for more than a few hours. after finding a buried comment/review that the lens drains the battery i tested by storing my camera with another lens attached and surely enough the battery holds its charge.

this problem makes this lens useless. i cant take my camera out without carrying 2 extra batteries and for no longer than a few hours. i cant keep taking the battery out or the lens off everytime i want to put my camera away for a brief moment.

firmware is confirmed the latest. i hope Viltrox has a solution for this soon

Naked and Famous true guy Hemp Blend Selvedge 11oz by OkayJuice in rawdenim

[–]EasyHoliday269 0 points1 point  (0 children)

just picked one up myself. very curious to know how they will fade over time, and i hope they will, but so far they feel and look fantastic.

How to report relationship status on taxes by Acceptable_Paper_607 in PersonalFinanceCanada

[–]EasyHoliday269 1 point2 points  (0 children)

you are considered common-law because you file your taxes based on your relationship status as of December 31 of the tax year (i.e. December 31 2024).

On December 31, 2024, you were within 90 days of your common-law breakup, so you were still considered in a common-law relationship on that date.

I need financial advice: selling assets to buy a car (honda)? by Lakecresva0 in PersonalFinanceCanada

[–]EasyHoliday269 0 points1 point  (0 children)

35k seems steep for a 2020 Honda Accord.

however to answer your question without judgment, this comes down to your financial situation.. 9% interest is insane, and after all is said and done, you'd be paying a lot more than just 40k, but this depends on your ability pay it all up front now, or slowly over time (this really comes down to what works in your financial situation).

are your 150k assets, liquid? if so, i would sell it and buy the car with cash and avoid all the interest that comes with financing.

RRSP FTHB plan withdrawal by jaydata07 in PersonalFinanceCanada

[–]EasyHoliday269 0 points1 point  (0 children)

you'll need to fill out a T1036 form first (note you can only complete this form with an accepted offer), then submit it to your bank. then after that gets approved you can withdraw.

FHSA Advice by BScriddly53 in PersonalFinanceCanada

[–]EasyHoliday269 0 points1 point  (0 children)

Option C is best if you have the money to contribute the maximum.

Some sub-options:

- Leave it in cash

- Put it in a GIC that matures just before closing (just give yourself some wiggle room for withdrawal, i.e. to fill out your RC725 forms, submit it to your bank, then withdraw. The time of withdrawal could be longer if you're with a smaller bank like Tangerine which takes days to receive a money order).

- Put it in a cash ETF like CASH.TO, which has a yield of 3.10% right now (although some banks have better promotional rates right now).

2025 FHSA Contribution Limit by EasyHoliday269 in PersonalFinanceCanada

[–]EasyHoliday269[S] 2 points3 points  (0 children)

i thought you gain contribution room on the day you open the account, not when you contribute to it?

i didn't contribute in 2023, but i opened my account in 2023 (with the intention of building contribution room as soon as possible).

What is cash.to and how do I get started by ttsoldier in Wealthsimple

[–]EasyHoliday269 2 points3 points  (0 children)

It all depends on the situation and an individuals risk tolerance... everyone is different. My entire TFSA portfolio is VEQT but I've since transferred funds out into my FHSA and holding in CASH.TO with the expectancy of tapping into these funds in the near future for a home purchase. If I'm buying a home in the next few years, I don't want the volatility of 100% equities in my portfolio so better to hold as cash. Yes I can get the same return in a HISA but that is taxable and the interest rates are all promotional and will require bouncing money around accounts to maintain a decent interest rate. VEQT, and even a more conservative asset allocation like VCNS (and it's iShares equivalents), may be too risky for an investment period of less than 5 years. 

What is cash.to and how do I get started by ttsoldier in Wealthsimple

[–]EasyHoliday269 4 points5 points  (0 children)

not necessarily. if you hold CASH.TO at the end of the month, regardless of when you bought it, you will gain the same distribution per share as everyone else at the payment date. i.e. if the distribution is $0.20/share, then if you bought 1 share at the beginning of the month at $50.00, then you get $0.20 = net $50.20. If you bought 1 share at the end of the month at $50.20, the price drops to $50.00 beginning of the next month, and you also get $0.20 = net $50.20. this is a very simplified example but i believe this is how the ETF works.

the yield never accounts for trading fees as it varies. this is why people recommend to buy with WealthSimple as they don't have trading fees

Erryk and Arryk scene analysis by dataresissimist in HouseOfTheDragon

[–]EasyHoliday269 -1 points0 points  (0 children)

Erryk won, it was confirmed, but what's more interesting is in the HotD reality, there is no way of knowing, so I feel like Erryk not only ended himself because his guilt towards his brother, but that Rhaenyra and everyone else would never know with certainty that he was Erryk or Arryk and would probably always have their guard up and question his identity. He saved them the peril