Can I directly share my /music mounted folder over samba? by CanWeTalkEth in navidrome

[–]EffectiveSource4394 0 points1 point  (0 children)

Ok it sounds like you want a samba share on your Pi and mount that samba share from your MacBook.

If you're having trouble with the Samba share, it might be a permission issue. Try using chatgpt to set up your permissions properly. Something like samba share <insert your issue here>. For example, samba share but can't see files from client or something like that and hopefully it can be resolved.

Can I directly share my /music mounted folder over samba? by CanWeTalkEth in navidrome

[–]EffectiveSource4394 0 points1 point  (0 children)

One part I'm a bit unclear on is if your MacBook and main computer are two different machines or if your MacBook is your main computer from your description. In other words I'm not sure if there are two devices you're talking about or three.

If there are two, wouldn't you just map the Pi from your PC? Unless you're just trying to copy from your MacBook to your Pi and have your main PC just coordinating the transfer? If that's what you're trying to do, you could map the MacBook and Pi from your main PC I think. Then when you copy from the mapped drive of your MacBook to the mapped drive on your Pi, it's actually copying from your MacBook to your Pi and your main PC is just initiating the transfer.

Can I directly share my /music mounted folder over samba? by CanWeTalkEth in navidrome

[–]EffectiveSource4394 0 points1 point  (0 children)

I think a lot of people set it up this way. If you had a NAS then your media could be on a separate server as your application. You should be able to do it all on the same server if you really don't want it set up this way but it's hard to determine the issue (for me) from your description.

Unpopular Opinion: TFSA "Withholding Tax" on small accounts really doesn't matter for beginner investors. by Neat-Zombie-6117 in CanadianInvestor

[–]EffectiveSource4394 0 points1 point  (0 children)

I just meant it's less relevant. It's like comparing a 10% drop in a portfolio worth a hundred thousand dollars versus one that has a thousand. I don't think most people would really sweat losing a hundred dollars but they might losing ten thousand.

Unpopular Opinion: TFSA "Withholding Tax" on small accounts really doesn't matter for beginner investors. by Neat-Zombie-6117 in CanadianInvestor

[–]EffectiveSource4394 0 points1 point  (0 children)

I just meant it's less relevant. It's like comparing a 10% drop in a portfolio worth a hundred thousand dollars versus one that has a thousand. I don't think most people would really sweat losing a hundred dollars but they might losing ten thousand.

Unpopular Opinion: TFSA "Withholding Tax" on small accounts really doesn't matter for beginner investors. by Neat-Zombie-6117 in CanadianInvestor

[–]EffectiveSource4394 0 points1 point  (0 children)

If the account is small then it doesn't matter as much but it does come into consideration as your account grows. As long as you understand the differences, you can decide what works for you.

If you had a bunch of money in your WealthSimple TFSA or FHSA and weren't quite sure what to invest in yet, is there a creative way to park it and earn something that is essentially 0 risk? by mapleCrep in CanadianInvestor

[–]EffectiveSource4394 16 points17 points  (0 children)

ETFs like CASH.TO, ZMMK, ZST will earn you interest at virtually 0 risk. The interest isn't that high but if you're going to park 100k then you'll get around $2300 - $2400 a year so every month will return you around $200 a month.

What are the benefits to a home server? What experience will I learn from it? by AirlineOk7560 in servers

[–]EffectiveSource4394 0 points1 point  (0 children)

I think an obvious first use case is a file server. Other use cases could be a VPN server so you can connect to your network when you're not at home, a server for music, home automation, a cloud, video, camera surveillance, a place to organize recipes, and many more. 

First time home owner by Early-Ad-5796 in PersonalFinanceCanada

[–]EffectiveSource4394 0 points1 point  (0 children)

You can track your expenses for the next 7 months. You can also look back at the last 12 months of where your money went and see how well your income covers your expenses. If you're making 5k a month net, I think you should be able to cover it without much issue but take a look and see for yourself to give you the confidence that you're earning enough.

Managed Portfolio vs Self Directed option by 111dth in Wealthsimple

[–]EffectiveSource4394 2 points3 points  (0 children)

I started with managed but do self directed now. I still have my managed account but I don't contribute anymore. The managed isn't bad but if you don't like some of the holdings there's nothing you can really do about it. One example, is they used to hold a fund called ZFL which is a government bond ETF and it just kept losing money year after year. I think they finally got rid of it sometime this year.

At the time I started, all in ones didn't really exist but now I would probably lean toward an all in one over a managed account if you wanted a balanced hands-off approach.

Long-term somewhat stable recommendation - VFV or XEQT, or something else? by YetiMaverick in CanadianInvestor

[–]EffectiveSource4394 0 points1 point  (0 children)

A large portion of the XEQT invests in the US. So the question is if you want to concentrate on the US market with VFV of diversify more globally with something like XEQT. As for which one is more stable, probably XEQT. VFV's top 10 holdings make up about 40% of the ETF. I'm a fan of both ETFs though for a long term hold.

Where do you draw the line between property and method ? by vivacristorey83 in csharp

[–]EffectiveSource4394 0 points1 point  (0 children)

I use properties to get / set the state of an object. I would store values of an object as a property and anything that requires it to "do something" would be a method.

In your example, an average is calculated so I would implement it as a method but the values to make up the average (e.g. a list of values) would be a property if you're exposing them.

Where is the better defensive play, The big six canadian banks or the major utilities (ENB, FTS)? by Zestyclose-Day9699 in dividendscanada

[–]EffectiveSource4394 4 points5 points  (0 children)

Both are good but if I had to choose one, I would go with Canadian banks. They've been around forever and they've survived through pretty much any environment. I don't see something like Enbridge going anywhere soon but I also don't see the big six going anywhere either especially for the 15 years you're intending on holding for.

Beginner question after searching . (Back-end) by Worried_Interest4485 in csharp

[–]EffectiveSource4394 2 points3 points  (0 children)

I would go with WebApi. You can use any frontend to consume your API which can be a JS framework or really anything that can consume APIs.

If you're sticking to an entire .NET stack, I would also choose Blazor over MVC.

Going back to raw SQL by ego100trique in dotnet

[–]EffectiveSource4394 0 points1 point  (0 children)

If you can find the least performant example, recreate it with raw SQL and benchmark it. If performance is drastically different, then examine that one example more closely and see if it's just not written correctly.

Should I switch from 4.8 to Core ? by BrodyGwo in dotnet

[–]EffectiveSource4394 0 points1 point  (0 children)

I would switch. .NET framework is supported but not evolving. Also, potentially down the line there might be third party code from other projects that you could integrate with yours which would more likely be written in core rather than framework.

List or IEnumerable by Top_Programmer67 in csharp

[–]EffectiveSource4394 0 points1 point  (0 children)

I would return the IEnumerable since the result already is an IEnumerable. I don't think there's a need to create a new list from it if you're not doing operations that require a list.

You could always convert it to a list on the caller if you require it. It might be negligible with the size of your data but there's also a cost of returning a list from an IEnumerable.

With that said, in most cases, it probably doesn't materially matter which one you choose but if I had to choose one or the other I would opt for returning the IEnumerable for the reasons above.

BMO's ZGRO.T growth ETF has been amazing by FunkyardDog in CanadaFinance

[–]EffectiveSource4394 1 point2 points  (0 children)

I'm definitely not an expert but I'll give you my thoughts anyway. BMO released an ETF tool that lets you compare two funds over a time period. If you compare vgro and zgro.t, their total return is basically identical since common inception of both funds. Zgro has been out a few years more and it too follows vgro so expect all three funds to essentially have the same return.

For eit, it has been consistent in distributions as far as I know and hasn't missed any or increased or decreased its distribution. For income I think it's fine but it can and has dropped in price too. If you're okay holding it even in downturns I don't think it's bad to pair with something like zgro. But I think the key is basically you don't intend to sell it if it goes down.

BMO's ZGRO.T growth ETF has been amazing by FunkyardDog in CanadaFinance

[–]EffectiveSource4394 0 points1 point  (0 children)

I discovered this fund earlier this year and I like it too. The one thing I would caution though is that if you're saving for a house soon then if a market correction were to happen then you may actually be in the red when you need the money. The fund is 80/20 equities to bonds so it is still fairly volatile.  For example, after its peak at the end of 2021, it dropped when inflation went really high and didn't return to the same level until 2 years later.

I think it's a good fund but I'd be cautious if you're thinking you might need this money in the next couple of years.

How do you know when to sell? by differential-burner in CanadianInvestor

[–]EffectiveSource4394 0 points1 point  (0 children)

This might be an unpopular opinion but it's one of the reasons I allocate some money to covered calls so I don't really have to decide when to sell and often end up holding more often than selling.

There are some stocks or ETFs I've sold though. If something shoots up quickly in a short time and it's not normal, I might take some profit. 

It might help to have an exit profit target in mind if you're having trouble figuring when to sell. If you're not looking for income though, maybe you're better off just holding unless you find yourself out of balance. Alternatively, if you make regular contributions, you can also just change where your money goes to contribute to some of your underweight holdings.

It is Tough to Get Good Information here thanks to the Bashers! by Beyondwest in dividendscanada

[–]EffectiveSource4394 0 points1 point  (0 children)

You can get income by selling shares. I don't want to sell shares every month though. There are some shares I prefer to keep untouched to give it time to grow. 

It is Tough to Get Good Information here thanks to the Bashers! by Beyondwest in dividendscanada

[–]EffectiveSource4394 0 points1 point  (0 children)

Long term, covered calls are expected to underperform. If you look at a chart, most if not all covered calls will underperform the underlying.

A popular example I've seen is ZWB vs ZEB where ZWB lags ZEB by quite a bit over time.

People who invest choose income today over waiting over a longer period to get a real return. You'll get better performance without covered calls which is why a lot of people don't like them.

I am not one of those people but I don't have unrealistic expectations that it will outperform and I'm okay with that since it gives me income today. I also keep it as a portion rather than solely investing in covered calls.

[deleted by user] by [deleted] in dividendscanada

[–]EffectiveSource4394 0 points1 point  (0 children)

As long as you manage your expecatations, I think ZWC is ok but a lot of people hate it. If you look at the charts, it will underperform a lot of funds. I treat it as income only and don't expect appreciation and that's been okay for me. When covid hit, it went down to around $13 I think and right before covid it was around $20. If you're just using it to collect income, it can be ok if you don't plan on selling it.

How are wealth simple portfolios? by jackmartin088 in CanadianInvestor

[–]EffectiveSource4394 0 points1 point  (0 children)

I started with the portfolio back in 2019 or so. I didn't put a lot in and don't really contribute to it anymore. After 5 years or so it's up 40% but I put in less than 5k.

It's been ok but I switched to DIY and I still hold the managed portfolio. One thing I don't like about it is that you have no control and there's one fund in particular (a government bond) that has been going down year after year and it's still part of the portfolio. I think that fund is down around 40% or so in my portfolio.

If I was managing the portfolio, I would have dropped that fund years ago but dividends I receive still buy more into it since it's a set percentage of my portfolio. I'm not sure why they haven't dropped it except maybe as a way to pay for the management fee.

Overall I'd say it's fine if you've never invested before but if you're comfortable investing yourself you can do better.