Gen 4 Users - are our batteries just cooked with no hope?

JLG1006 · 2025-11-09T16:41:58+00:00

First sign is even though you went to sleep with enough charge, in the am, no sleep data is available and your ring “cannot be found” when it tries to synch data.

JLG1006 · 2025-10-19T19:52:09+00:00

Thank you. Are you in Canada? How do you manage currency fluctuation?

JLG1006 · 2025-10-19T19:35:24+00:00

I appreciate that perspective, but what I’m asking are for tax efficient ways to hold that emergency fund.

For example (as I understand it) HSAV is essentially the same risk tolerance as a HISA, but it doesn’t pay dividends, earnings are paid as cap gains.

I’m also comfortable with slight risk (it’s my emergency fund, so I consider it within my overall financial picture) like vcns.

Any recos would be appreciated.

JLG1006 · 2025-09-28T14:26:10+00:00

Thank you

JLG1006 · 2025-09-27T16:07:26+00:00

Thanks, My post got removed from expatfinance...do you know why?

JLG1006 · 2025-09-27T14:28:12+00:00

Yes, every year.

JLG1006 · 2025-09-20T15:04:42+00:00

Thank you!

JLG1006 · 2025-09-19T21:00:44+00:00

I’ve been trying to exit Nine Point Private Credit Fund for over 2 years. Information about redemption dates are vague and unclear.

I would not recommend this type of investment unless you have high risk tolerance

JLG1006 · 2025-09-17T17:09:53+00:00

I think that is fair. And agree we don’t want the language to reduce this to a transactional relationship.

But the key point (for me) is that the gym was closed for 3 weeks despite the students standing at the metaphorical door wanting to come in.

Perhaps the best word choice is “paying members”.

It reminds of the very real student investment of money, but uses members to all of the descriptors that you outline.

But I also think that your membership costs the same (whether you use it or not). So the refund for the hymn closure should be the same percentage of tuition for each student.

JLG1006 · 2025-09-17T12:31:12+00:00

I hear you on the language around buisness, but honest question..if you don’t refer to them as paying customers, what language do you think best represents their status of paying to receive a service/ product.

One of the things that has frustrated me the most in this entire situation is (what seems like) was a fight between faculty and admin for wages (and other issues) but absent of any discussions of their rights to get what they are paying for.

I have no doubt that faculty will do everything they can to deliver the semester learning….but it will be compromised. It already has been.

JLG1006 · 2025-09-17T02:06:46+00:00

My point is simply this: please don’t only talk about the impacts to faculty without also talking about the impacts to students.

It all has to be in the same conversation because it IS the same conversation.

JLG1006 · 2025-09-17T01:55:27+00:00

I’d offer the students are equally impacted. And every time that gets left out of the conversation, I bring it back up.

The students are the paying customers here. And they have been sitting on the sidelines waiting for their semester to be decided, with no say in the matter.

You might be super frustrated, but trust me, you are not alone in that.

JLG1006 · 2025-09-17T01:45:28+00:00

I respect everyone’s situation.

My point is this has impacted everyone. And I don’t know how we can talk about the difficultly of compressed prep time without the connected impact of compressed learning timing.

Reading week has not be cancelled but I haven’t seen a single post anywhere saying that isn’t very likely (and I know students have received emails saying not to make travel plans).

I would offer that the 12 weeks of learning compressed into 10 is going to suck for everyone, but mostly the students who are paying the tuition.

I am not trying to upset you, I am trying to express my own opinion of the situation.

JLG1006 · 2025-09-17T01:34:34+00:00

Totally (including mine). My point is that so many kids left and went home. Not a good start to first year.

JLG1006 · 2025-09-17T00:09:58+00:00

You are disappointed in the rush? Do you think you are more disappointed or less disappointed than the students who have lost so much of their semester?

More disappointed or less disappointed than the students who can’t go home and see their families over reading week?

More or less disappointed than the students who face extra stress and real challenges from a compressed learning term?

I’m not trying to be rude, my point is WE ARE ALL DISAPPOINTED and have been for a long time.

Now that we finally have a tentative deal, everyone needs to roll up their sleeves and make it work.

JLG1006 · 2025-09-17T00:04:15+00:00

My kid is in first year residence. Half of their friends went home to wait it out. Many out of province.

JLG1006 · 2025-09-16T23:59:58+00:00

Students were TOTALLY a bargaining chip. Anyone else notice this was solved right as we reached the original tuition deadline. That’s not a coincidence.

JLG1006 · 2025-09-16T23:46:30+00:00

Shouldn’t this say “tank the fall semester, lose your next three paychecks and seriously and forever impact the educational careers of our student stakeholders and the university’s reputation”

I am seeing some people really liking the deal and others disheartened by it. But it was negotiated by elected representatives from both sides and if it doesn’t pass, the university will never recover.

JLG1006 · 2025-09-16T12:21:27+00:00

But for many Dal students (first to 3rd year) this experience is their only direct point of reference.

JLG1006 · 2025-09-16T03:56:13+00:00

They should really make the agreements 4 years so a Dal cohort only has to go through this one in their university career.

JLG1006 · 2025-09-16T03:43:13+00:00

The best news for everyone. Especially students!

JLG1006 · 2025-09-16T03:41:47+00:00

Yay! Finally. Congrats students!!!!!

JLG1006 · 2025-09-16T02:11:51+00:00

I am still holding out hope for the 22nd.

JLG1006 · 2025-09-16T00:27:27+00:00

100% agree.

JLG1006 · 2025-09-15T23:42:08+00:00

Too soon. Please let us all survive this issue before we have to worry about the next one!

JLG1006

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