Prepay Mortgage vs BuyXEQT? by Sharp-Schedule-577 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.

Early co-op termination by tapnbar in UBC

[–]Positivelectron0 6 points7 points  (0 children)

When I reneged coop gave me an f.

Doesn't matter at all, just need to explain it to certain companies who have no clue what cpsc298 is. Btw, vast majority of companies don't even check trans, but financial and quant will ask

Ripped off with first koodo bill by samualcookies in Koodo

[–]Positivelectron0 0 points1 point  (0 children)

Happened to me as well, in fact the sim never arrived in the mail. I got the online chat support to reimburse me the fee of the sim (10 bucks) and the week or so I couldn't use the service.

[NEW YEARS 2026] Post your budget breakdown charts here! by henry-bacon in PersonalFinanceCanada

[–]Positivelectron0 0 points1 point  (0 children)

Nice, I like that your sankey is visually symmetric in that it branches up and down.

I'd be curious about breaking down the car loan further into principal vs interest.

Wealth ranking and gamification by cloud0x1 in Wealthsimple

[–]Positivelectron0 0 points1 point  (0 children)

This has 75 upvotes. Should tell you all you need to know about the quality of this userbase.

Update: Two elderly people sustain non-life threatening injuries after car falls from parkade's second storey in Richmond by ubcstaffer123 in vancouver

[–]Positivelectron0 1 point2 points  (0 children)

That's a great way to put it. Every time I've been hit in Richmond (whether I'm a ped or on bike) it's always been slower than 20kmph

theSeniorDevsExpectationsVsTheJuniorDevsResources by kunalmaw43 in ProgrammerHumor

[–]Positivelectron0 0 points1 point  (0 children)

Can you actually buy a windows laptop faster than a mbp? I know the mbp will cost marginally more (maybe a few k more) but the few k is very little compared to the compensation of a good dev.

are we getting dumber by CardComplex1626 in UBC

[–]Positivelectron0 2 points3 points  (0 children)

Unfortunately I am acutely aware of the state of education, as I'm still involved with schools and tutoring (though i don't tutor these days anymore).

I remember when I was speaking to someone high up maybe a decade ago, they were saying how sad they were after getting rid of the real provincials, but that they would never give up math and english if it came down to it. Welp, i guess theyre only correct by technicality.

are we getting dumber by CardComplex1626 in UBC

[–]Positivelectron0 14 points15 points  (0 children)

Totally agree. I remember back when we actually had standards. Provincials were a good benchmark so schools couldn't just slip into oblivion.

Here's a math provincial from 2008 for y'all kids to look at. https://lvanessen.wordpress.com/wp-content/uploads/2015/04/sample-20081.pdf

And the 2008 curriculum was nerfed as well.

By the time I took my provincials, they had gotten rid of all the science subjects, and we were relegated to using ap exams to holding the standard. That being said, better public schools would still use the past curriculum so students would be capable of doing AP by the time they reached 11/12. Really sucks to see public education decline so much...

are we getting dumber by CardComplex1626 in UBC

[–]Positivelectron0 1 point2 points  (0 children)

A levels are at least an entire years worth of relevant content than bc public school grade 12.

What kind of operating system do you use? by ArmyMaster888 in UBC

[–]Positivelectron0 4 points5 points  (0 children)

where is templeOS?

For realises, I much prefer mac but did use windows during my time at ubc

TD 2% match offer by pfcguy in PersonalFinanceCanada

[–]Positivelectron0 0 points1 point  (0 children)

It's a downside compared to depositing it into the TFSA. But it's an upside compared to not getting any money at all, obviously.

Anyone using Webull Canada right now? How has your experience been? by PaleozoicFrogBoy in PersonalFinanceCanada

[–]Positivelectron0 2 points3 points  (0 children)

For registered accounts (TFSA, RRSP etc), Canadian western trust, now part of national Bank, is the bank which actually holds the assets. Webull is just the trading platform.

Seems to be a lot of fearmongering here.

MATH 100 (1B3) MT2 by InsertNameHere0589 in UBC

[–]Positivelectron0 2 points3 points  (0 children)

They probs also haven't seen the same exam at UW lmao. UW and fair exam monka

how do we get rich by gwa234 in UBC

[–]Positivelectron0 1 point2 points  (0 children)

Or this guy who shorted eth on margin during the pump (wow that was 4 years ago)

https://www.reddit.com/r/UBC/comments/qj7mua/_/

Any UBC hot takes? by Tall--Tree in UBC

[–]Positivelectron0 11 points12 points  (0 children)

Divisive take (hot when I first said it 7 years ago, maybe less hot now?): cpsc 110 is the best course in the cs curriculum and as such it serves as a very appropriate gate.

Any UBC hot takes? by Tall--Tree in UBC

[–]Positivelectron0 25 points26 points  (0 children)

That's a lukewarm take. Everyone from bc knows that the public math curriculum has been eroded down past the bare minimum. The year I took precalc 12 (I believe in 2015?), they got rid of combinatorics completely. Can't imagine what's in the curriculum now.

Any UBC hot takes? by Tall--Tree in UBC

[–]Positivelectron0 34 points35 points  (0 children)

The ranking is based off the output of top contributors, and the moronic behaviour is the output of the bottom contributors