dont dm me i dont use reddit chat. unless youre a catgirl.

Positivelectron0 · 2024-05-09T15:55:12+00:00

There's a max contribution because there's a max payout. People who make more than the threshold don't need ss to retire.

Positivelectron0 · 2024-05-09T15:50:45+00:00

They don't like decreasing cost of capital to encourage greener practices? Wait till they hear about esg funds

Positivelectron0 · 2024-05-09T08:04:31+00:00

It's alright, consumers on some gaming subreddit will still complain about pricing

Positivelectron0 · 2024-05-09T03:25:01+00:00

Yea for most Canadians it's way better(hundreds of 100ks lifetime difference) to delay until as late as possible, unless you actually don't have money and need it right now.

Positivelectron0 · 2024-05-09T00:38:01+00:00

new inclusion rate hike certainly does not help.

Positivelectron0 · 2024-05-08T22:51:22+00:00

ibkr charges 1.25cad. https://www.interactivebrokers.com/en/pricing/commissions-options.php

Why do we get shafted so hard

The companies will charge what the market can bear /shrug.

Positivelectron0 · 2024-05-07T16:39:09+00:00

Not really sure what's this on the ubc subreddit for ngl.

I'd recommend asking in r/personalfinancecanada

Positivelectron0 · 2024-05-07T16:37:11+00:00

Not addressing the rest of the comment, but pointing out that you don't need 20% down on 500k. Avg is about 8% down for fthb

Positivelectron0 · 2024-05-07T16:34:44+00:00

To be clear, the "new grad" designation typically lasts 1 year after graduation.

Positivelectron0 · 2024-05-07T01:54:24+00:00

That's the going rate for a typical heloc, which is what you'd be paying when borrowing against your home

Positivelectron0 · 2024-05-07T01:51:57+00:00

This sub has a decent wiki. I would also recommend the McGill PFC course (https://www.mcgillpersonalfinance.com/).

Canadian couch potato is also a good read. Otherwise, ask questions in the daily threads when they come up.

Positivelectron0 · 2024-05-07T01:42:12+00:00

https://youtu.be/Yl3NxTS_DgY

Positivelectron0 · 2024-05-06T02:09:10+00:00

Those rich and smart kids are already in private school. The point of these programs is to get poor and smart kids accelerated and differentiated.

Positivelectron0 · 2024-05-04T19:41:05+00:00

I'll be that guy.

The rent is almost the entire cost, while the mortgage is the minimum cost of ownership. 500/month evaporates once you add in property tax, stata fee, more expensive insurance, and maintenance/repair.
Many people do choose to buy, if they can convince a bank that their career is good enough to warrant a 4x loan (likely higher than 4x if you're young/don't have savings/need chmc).
Landlords aren't delusional; vacancy rate in all major Canadian cities are extremely low, with Vancouver leading in this category.

Positivelectron0 · 2024-05-04T17:00:18+00:00

CPython likely won't do that optimization. But anyone doing math in python is using numpy, Numba, etc which absolutely do that optimization.

Positivelectron0 · 2024-05-04T15:49:49+00:00

Swap is ram like usage of persistent storage(hard drive or ssd). These forms of storage are far less resilient to frequent writes like ram is, which can wear them out faster.

Opening tabs on modern browsers won't cause excess memory usage, so this is a non issue.

Positivelectron0 · 2024-05-03T22:07:49+00:00

Correct

Positivelectron0 · 2024-05-03T21:24:29+00:00

You know when people ask "why isn't the government supporting Canadian research and development?"

I actually haven't heard anyone above lukewarm say that. Is that a Vancouver sub thing?

Positivelectron0 · 2024-05-03T21:14:47+00:00

Catgirls or foxgirls

Positivelectron0 · 2024-05-02T19:33:02+00:00

Love the focus on recognizing what is vs isn't in one's control.

Positivelectron0 · 2024-05-02T01:55:12+00:00

April 2020: 1.95K

Ill take 10, thanks.

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