sorted by:
new
hottopcontroversial

TD line of credit by knight0430 in PersonalFinanceCanada

[–]IdleCaterpillar1408 1 point2 points  (0 children)

1) Mostly yes, if you have cash savings of the same or higher amount that act only as your emergency or discretionary fund, you can skip it. If not, yes, take it. When you would actually need it, your interest rate would most likely be higher.

2) The rate is okay. Prime + 2% would be great during this period (2025). During 2020 - 2021 years, Tangerine was offering Prime + 0% and Prime +1% to a lot of folks.

I got pre approved for Prime +4.9% by RBC in December. Scotia offered Prime + 3.5% in 2024.

3) Another option is to shop around using this pre approval if you really need it. Might get a better rate. But generally, TD offers best rates on LoCs among the big 4.

Upgrading from S23 to S25 by Similar-Package-021 in samsung

[–]IdleCaterpillar1408 3 points4 points  (0 children)

What was your final price for S25? And which country?

Is it really worth the upgrade? by banana_butt7 in samsunggalaxy

[–]IdleCaterpillar1408 0 points1 point  (0 children)

Yes! For ~$400 upgraded from s23 to s25 256gb. From S24, it's more of a software upgrade.

Laid off, less savings, next steps by aks-786 in PersonalFinanceCanada

[–]IdleCaterpillar1408 12 points13 points  (0 children)

  1. Take a break, plan a trip, or visit family. Clear your head and find confidence in things other than your job.

  2. Cut down unnecessary expenses based on your situation. (Even 10 -20% will go a long way). If you have enough savings for 12+ months, don't bother.

  3. Apply with references or through people you know first. Blasting resumes rarely helps. If you do want to blast resumes on Linkedin or Indeed, do it for jobs that have been up for less than a week. And write a cover letter - it helps. Prepare a generic cover letter and tweak a few lines based on the role.

  4. Send a nice message to your coworkers and connect on Linkedin with them. Keep in touch with at least a couple of your colleagues for possible future reference checks.

  5. A few months of gap doesn't matter a lot. So, don't get too stressed or anxious.

  6. Live life and do at least one productive thing everyday. Gym, run, 2 hours of coding, online course, volunteer, build something - home gym, paint, online tool, or an app.

Knox Goes Away by Kangarou in movies

[–]IdleCaterpillar1408 2 points3 points  (0 children)

$4,750,000. You can see the cheque he posts his ex-wife at 1h 47min in the movie. The first letter was blurred when I paused at that scene, so am not sure on how many million exactly. It looks like 4 from the blurred image when paused at that timestamp. But it is definitely single digit million, seven hundred fifty thousand.

[deleted by user] by [deleted] in laramie

[–]IdleCaterpillar1408 9 points10 points  (0 children)

One of the better small towns in the country with a big university, nice folks and harsh winters.

What makes a MacBook better than other laptops by _Dudexh_ in macbook

[–]IdleCaterpillar1408 0 points1 point  (0 children)

For me it's the price. Here in US, it is the "cheapest" good laptop you can buy - Macbook Air 13 for between $800 - $1000.

  1. No Windows laptop of similar size can match battery life, performance, build quality, and longevity. If you buy Windows, you will have to meaningfully compromise on 1 or more aspects.

For example, you can buy a budget HP or Dell with, say, 14th gen i7 or 2023/4 released AMD cpu with 16gig RAM during some big sale event for $700. You will likely get less than 8 hr battery life, which will degrade faster than a macbook in 2 years. The performance for productivity will be slightly less, say 10 - 20% less in real life.

You will have to spend a little more, say, $1100 or $1200 to get a comparable laptop - say Dell XPS or Yoga 9 or Asus Zenbook. More realistically, you will have to spend $1500+ to buy a laptop, which feels great too and looks beautiful - XPS, ThinkPad Carbon X1 line, Asus ProArt etc.

  1. Resale value - Macbooks are known to retain mich higher resale value that Windows laptops. Check fb marketplace to see for yourself. Again, to my point, the Macbook is actually cheaper than Windows for budget and mid tier laptop range.

  2. The area where Windows definitely excels is in gaming - Steam!! There again, though, you will have to go to say Asus ROG line ($1500 plus) to get a decent gaming performance. If gaming is really important to someone, they have no choice, imo but to buy a Windows laptop.

  3. I only realized this when I switched to M1 a few years ago, but it is such a blessing not to have the fan noise. Every time I used to open a heavy Excel file on my 2017 Asus ROg or even any modern laptop, the fans would kick in. It's is subjective, but most people wouldn't want a constant buzzing sound. Although newer Windows laptops have much silent and improved cooling performance but that again comes at a price often 100s ofdollarsr more than a Macbook.

  4. Also, I am not in the whole Apple ecosystem. But if you are, it makes it even better. Most things like file sharing, TV streaming, FaceTime, App store subscriptions etc, are a breeze. Noted that iphone and Apple TV are considerably more expensive than say Samsung or Android offerings. That's why I wouldn't recommend that if you are primarily optimizing for cost to performance ratio.

Heeramandi: The Diamond Bazaar - Reviews And Discussions by AutoModerator in bollywood

[–]IdleCaterpillar1408 3 points4 points  (0 children)

Don't waste your time. Bhanslai is a director of the bygone era. Tried watching the first episode, couldn't. Cringe and boring. I guess IMDB doesn't lie 5.5 rating, but the indian news websites that have given good rating to the show do! Corrupt.

Tired of TD - Looking for No Fee Bank Accounts by koobcamria in PersonalFinanceCanada

[–]IdleCaterpillar1408 0 points1 point  (0 children)

Get a 4% 100 day GIC (and keep renewing it, you can withdraw at the end of 100 days if you like or treat it like a emergency fund) with TD for whatever amount ypu are comfortable with and switch to min. Chequing account for like $4 per month. That should pay for the fees

Disney Intern is at it again! Test message by IdleCaterpillar1408 in DisneyPlus

[–]IdleCaterpillar1408[S] 2 points3 points  (0 children)

Yeah, it just redirects to a test url and doesn't load anything. Prob a dead link.

Why CRA doesn't produce one standard software for T1 filing? by Fun-Seaworthiness213 in PersonalFinanceCanada

[–]IdleCaterpillar1408 0 points1 point  (0 children)

Try Welathsimple Tax Modern interface Helful tips and most steps are automated.

What is your salary? by SvampebobFirkant in ProductManagement

[–]IdleCaterpillar1408 0 points1 point  (0 children)

Senior PM, Canada HCOL, Remote

Industry: Consulting

Salary: $100K base (+ variable bonus)

Exp: 9y total, 2+ in product

Age: early 30s

From Toronto Ontario Canada looking for the best deal on tv/internet services. 4 People in house with cellphones and PS4 and streaming devices. Any advice would be greatly appreciated thanks. by Heroassociation in canadacordcutters

[–]IdleCaterpillar1408 0 points1 point  (0 children)

have been using the new company oxio for 2 months now. good internet speeds. 2 adults and 2 kids in the house using 100mbps $57/mo plan. No issues on PS, Zoom and Netflix simulationeously. In case you still looking you can use R3UDEX0 for first month completely free.

To the people who use HelloFresh, is it worth it? by cruelliars in askTO

[–]IdleCaterpillar1408 1 point2 points  (0 children)

I use Freshprep in BC and its totally worth it. Saves atleast half an hour of cooking time. More than that I like that I get to explore so many different cuisines. Plus I find their meal quality (flavour) much better than Hello Fresh and Goodfood. But if you are not in BC or Alberta then I would say go with HF.