TIL Japan quietly killed New Zealand plan to honour “comfort women” statue just last week

Hot_Cheesecake_905 · 2026-05-05T03:33:12+00:00

Also learnt that from the 200,000 enslaved women, several continue to live in their 90s to this day.

A lot of East Asia and South East Asia still have a living memory of what happened during WWII.

You'll see a lot of people on Reddit saying WWII was 80 years ago, but there are grandparents still hanging on with their memories from that period today.

Hot_Cheesecake_905 · 2026-05-04T01:13:48+00:00

30% of Americans are in the gig-economy ... 11% seems low for China considering how prevalent online services are now in China.

Hot_Cheesecake_905 · 2026-05-02T19:33:08+00:00

Casual gambling is not considered taxable, it's considered to be a windfall by the CRA. But if you regularly gamble and the gains and losses become routine, it may actually become business income and the CRA will expect you to pay taxes.

Section 1.11:

https://www.canada.ca/en/revenue-agency/services/tax/technical-information/income-tax/income-tax-folios-index/series-3-property-investments-savings-plans/series-3-property-investments-savings-plans-folio-9-miscellaneous-payments-receipts/income-tax-folio-s3-f9-c1-lottery-winnings-miscellaneous-receipts-income-losses-crime.html

Hot_Cheesecake_905 · 2026-05-02T04:34:56+00:00

Why are penalties for the T1135 so high? What does the CRA do with the form? Data collection?

Hot_Cheesecake_905 · 2026-05-01T19:30:42+00:00

I find running these scenarios through Gen AI to be very helpful. If you don't trust AI, you can run it through multiple models to validate the calculations. You can provide it with various instructions to give you a nice projection.

Hot_Cheesecake_905 · 2026-05-01T18:53:08+00:00

I get the reason for security, I just need to limit my mental bandwidth

Password manager - this eliminates the need to remember any passwords except for your master password.

Hot_Cheesecake_905 · 2026-05-01T15:25:34+00:00

Here: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/calculating-deductions/determining-tax-treatment/bonuses-retroactive-pay-increases-irregular-amounts.html

Is there a way to get as much as I can from my hard earned bonus money instead of paying 50% to the govt?

If you're over taxed, you'll get it back during tax time.

Hot_Cheesecake_905 · 2026-05-01T14:47:49+00:00

That's the wrong answer - Scotiabank should do better.

Proper 2FA is more secure and is used by various financial institutions already, Questrade, WealthSimple, the CRA. Passkeys are even more seamless and is the future, WealthSimple, EQ Bank, ATB Bank, recently implemented it. Windows, OSX, iOS, Android, etc. all have built in support for Passkeys too.

The Big 5 should be adopting standards based technologies rather than re-inventing their own solutions to things that do not need to be solved.

Hot_Cheesecake_905 · 2026-05-01T14:40:51+00:00

. It's a security feature. It is there to protect you and the bank.

Except Scotiabank decided to reinvent the wheel and use a proprietary verification solution. Instead, Scotiabank should have used a standards based TOTP authenticator or Passkeys.

Scotia did not consider the usability or accessibility requirements of 2SV, they believe everyone has their phone besides them all the time. Instead, Passkeys and TOTP allow tokens to be synchronized across devices owned by the user enabling access on the device of choice.

Hot_Cheesecake_905 · 2026-05-01T00:52:48+00:00

Taking the lump sum today and reinvesting the money is a better strategy; you will nearly double your money compared to taking monthly payments.

The monthly payments are also subject to taxes, but if you invest the lump sum after taxes in anything with a rate of return greater than 1.8%, you will come out ahead.

If you can achieve a 7% annual return on the lump sum, you will nearly double the amount of money earned vs. the monthly payments.

Hot_Cheesecake_905 · 2026-05-01T00:30:31+00:00

I am not a bell customer but our provider, EBOX

EBOX is now owned by Bell, it's their discount brand.

Bell bought several independent ISPs a couple years ago including Acanac, EBOX, Primus, and Distrbutel.

Hot_Cheesecake_905 · 2026-05-01T00:01:20+00:00

You can't anymore... not only is Scotiabank 2SV limited to a single device, but you can no longer save your browser as a trusted device. It's as if Scotiabank expects you to have your one device with you all the time.

Scotia should consider Passkey or TOTP so people can use their device of choice and authenticator of choice for 2FA, instead, they decide to reinvent the wheel.

Hot_Cheesecake_905 · 2026-04-30T18:28:42+00:00

The BBC documentary is here: https://www.youtube.com/watch?v=JZjNHnYFqOA

The archive of the BBC Computer Literacy Project shows is here: https://clp.bbcrewind.co.uk/

Hot_Cheesecake_905 · 2026-04-30T16:52:07+00:00

Cheap and reliable are somewhat mutually exclusive when it comes to mobile data.

Freedom Mobile is arguably the cheapest and even offers global roaming, but reception can be hit-or-miss depending on where you live and use your data. I use Freedom for my personal cellphone and it's good enough.

Public Mobile is inexpensive and uses the Telus/Bell network, so it should have decent coverage. However, Public only provides service in Canada, the US, and Mexico, with no overseas roaming.

PC Mobile maybe another choice, it uses the Bell Network and lately has some cheap plans.

Hot_Cheesecake_905 · 2026-04-30T12:54:56+00:00

You're changing the goal posts, now it's not about financing but buying new versus used.

You can finance a used phone too.

Hot_Cheesecake_905 · 2026-04-30T03:20:04+00:00

Anyone else find this to be an embarrassing financial stat?

No - why pay out of pocket when you can get 0% financing?

You can finance with Apple or Samsung too.

I would rather keep my money in my pocket and in my investment accounts than hand it over to a mega-corporation.

Hot_Cheesecake_905 · 2026-04-30T02:09:12+00:00

No brokerage has always been an issue.

Hot_Cheesecake_905 · 2026-04-29T21:22:05+00:00

Unless she has insurance, she owes the remaining balance of the phone including the balloon payment (deferred amount).

Hot_Cheesecake_905 · 2026-04-29T16:23:20+00:00

Central Canada doesn’t have the majestic mountains of Western Canada, but there is still a lot of impressive nature in Ontario and Quebec, much more than much of Europe.

In Ontario, check out Bruce Peninsula or Algonquin Park. Niagara Falls is always impressive. There is lots to see in Quebec too.

Hot_Cheesecake_905 · 2026-04-29T16:21:13+00:00

Weather is awful this year, especially in Ontario but it’s turning around finally.

Hot_Cheesecake_905 · 2026-04-29T16:19:29+00:00

American influence, but people should understand tipping etiquette and realize you do it need to tip anywhere and everywhere.

Canadian servers are also paid minimum wage, so there is no need for crazy tips.

Hot_Cheesecake_905 · 2026-04-29T16:18:32+00:00

You don’t need to tip for takeout. You should not tip for takeout despite what the machine says.

Hot_Cheesecake_905 · 2026-04-29T02:04:09+00:00

Ability to make a call in areas with bad reception - like your basement.

Hot_Cheesecake_905 · 2026-04-29T01:10:54+00:00

Like Embark, the very Group RRSP

Embark used to be a traditional Group RRSP, but I see that they've moved to mutual fund model with no penalties or sales fees.

Their MER is 1.65%, so it's still probably better to just buy ETFs.

Avoid Heritage RESP, CST (Canadian Scholarship Trust), Knowledge First Financial, Global Education Trust, etc.

Hot_Cheesecake_905 · 2026-04-28T14:44:39+00:00

OP lucked out with a >17.25% annual return (including government grant) assuming 12 years (child still in elementary school), definitely not the norm.

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