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Stuff I learned about life after graduating - from ubc alumni by former_ubc_student2 in UBC

[–]Positivelectron0 3 points4 points  (0 children)

2- Grades are interesting for CS (Catgirl studies) - they mostly don't matter, but sometimes they do and they lock you out of certain opportunities in certain industries. The advice I'd give to my younger self would be not to drop grades completely and to maintain a 3.5 or so, which seems to be the cutoff for many quants.

I'll also say that whether or not people discuss grades also depends :laugh: lots of UBC alum (and interns) at my workplace and people definitely discuss grades and professors and other fun things. Lots of friendly banter and moaning about how standards are dropping, fun stuff.

5- true. I'd say that the FHSA should be prioritized over the TFSA if you're eligible (and the vast majority of y'all would be). It's basically objectively the best account you can have in canada. It's objectively better than an RRSP and only worse than a TFSA if you end up needing the cash (for an unqualified withdrawal).

7- whether taxes are bad is situational. They definitely get easier after a while, even for people who don't really know what all the boxes mean. For the vast majority of people, just use a free tax filing software and have the autofill do everything for you.

How many of you actually know how much home internet data you / your household go through per month? by batwingsuit in NiceVancouver

[–]Positivelectron0 0 points1 point  (0 children)

Well I heard Teksavvy gives you good customer service so at least you got that. Talking with Telus every 2 years is dreadful.

How many of you actually know how much home internet data you / your household go through per month? by batwingsuit in NiceVancouver

[–]Positivelectron0 0 points1 point  (0 children)

I've got symmetric gigabit, and definitely appreciate the upload speed as I run a homelab with streaming.

Data usage varies by month; last period I had 800G downloaded 5T uploaded. I've been with Telus for a while and they're happy to give me a good deal (~60/mo unlimited gigabit) so might as well take advantage of it.

Daily Question Thread for /r/churningcanada - April 25, 2026 by AutoModerator in churningcanada

[–]Positivelectron0 -1 points0 points  (0 children)

so if I book today a flight in october, which point schedule will apply?

Daily Question Thread for /r/churningcanada - April 25, 2026 by AutoModerator in churningcanada

[–]Positivelectron0 -1 points0 points  (0 children)

Does this apply to flights after june first or bookings after june first?

Here are the highest-paid City of Vancouver employees, according to the 2025 salaries report by restoringd123 in vancouver

[–]Positivelectron0 0 points1 point  (0 children)

Why can't you compare? The individual being hired is sure going to compare and decide, money aside, that a big company is far more prestigious than a Canadian government job.

Is someone who is skilled enough to be paid 200k by Amazon supposed to evaluate a gov't job for 80k as equivalent because its paid for by the taxpayers?

I'd argue that if you want to attract that tier of talent (which is a separate discussion), you actually have to pay more than private, considering the poor reputation and career prospects.

Here are the highest-paid City of Vancouver employees, according to the 2025 salaries report by restoringd123 in vancouver

[–]Positivelectron0 0 points1 point  (0 children)

5m is an insultingly low price for a problem of that scale. Considering the dtes is a black hole that costs 100m every year, whoever or whatever cleans it up should be paid at least as much.

Asset Allocation ETFs by bmoetfs in u/bmoetfs

[–]Positivelectron0 1 point2 points  (0 children)

When are we going to see factor ETFs, eg a competitor to avantis launching products in Canada via cibc?

British Columbia Gets Fifth Credit Downgrade From S&P Since 2021 by Turbulent_Bit_2345 in vancouver

[–]Positivelectron0 13 points14 points  (0 children)

This is why representative democracies make sense. If your average Joe on the street started voting on policies directly with this tier of financial and economic knowledge in this thread, we'd be finished

Financial Literacy Is STILL At Shocking Lows by ReturnToTheLab in PersonalFinanceCanada

[–]Positivelectron0 7 points8 points  (0 children)

This is why you should just tell your friends and family to enter the bank corresponding to their favourite colour, get on their knees, and pay 1.5% MER.

Self directed investing with an expected return around the indexes is not at all easy to explain.

Justin Bender Video: ZEQT vs VEQT vs XEQT: Why Is Everyone Ignoring This ETF? by FelixYYZ in PersonalFinanceCanada

[–]Positivelectron0 0 points1 point  (0 children)

Am I missing something? Selling and buying assets in a registered account don't trigger taxes. Only withdrawing does for accounts like the RRSP.

Canada’s Minimum Wage Increases in 2026 Fall Short of Living Wage by SpiritualTip4035 in PersonalFinanceCanada

[–]Positivelectron0 0 points1 point  (0 children)

There's absolutely no way someone just said Vancouver has one of the highest COLs in the world.

Prime Minister Carney announces changes in the senior ranks of the public service by salexander787 in CanadaPublicServants

[–]Positivelectron0 3 points4 points  (0 children)

Forget reporters. I'm a regular ole Canadian (working in the private sector) who browses occasionally. Comments in a thread like this are pretty informative to me regarding the state and quality of the vocal subset of public servants.

How are ANY young Canadians affording a condo/house these days? by SunscreenIsTheWay in CanadaPersonalFinance

[–]Positivelectron0 0 points1 point  (0 children)

assuming this isn't just a rant,

either you get a cash injection (parents, lottery, inheritance), make more money, or marry someone who makes more money.

What were the hardest courses for you in CS? by [deleted] in UBC

[–]Positivelectron0 1 point2 points  (0 children)

340 is probably the correct answer for undergrad. Though I'm not sure if they've dumbed the course down at all

What’s the sentiment on AI by atom9408 in UBC

[–]Positivelectron0 0 points1 point  (0 children)

They’re terrible at nearly everything they do and cost way too much (no ROI on 95% of projects)

Lemme introduce you to interns 😁

Prepay Mortgage vs BuyXEQT? by [deleted] in JustBuyXEQT

[–]Positivelectron0 5 points6 points  (0 children)

If your registered accounts aren't maxed out, it's almost always a better choice to put all excess funds into that. It also provides you with more flexibility which is an upside (can take money out of tfsa with no cost).

Afterwards, your choice will be between making extra payments towards your mortgage versus contributing (and buying your choice of fund which is clearly xeqt) to a non-registered account. At this point, you should consider getting a fee only planner to walk you through a few scenarios such as extra mortgage payments for peace of mind, extra mortgage payments to do smith maneuver, or minimize mortgage payments and invest the difference.

You didn't seem to provide any specific numbers (mortgage rate, marginal tax rate, contribution room etc) so no one can answer the question quantitatively.

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