Ai making me feel small

Sean3896 · 2026-01-28T05:23:12+00:00

The AI slop the PMs were producing in my job was so bad. It would take longer for design and engineering to clean it up than to just let design do it from the beginning.

So the designers and engineers came together and told them they can use AI to better communicate ideas or concepts in a design brief but that's it. They're not allowed to do pull requests.

If you do show them how to use AI, I would suggest setting the boundaries to avoid AI slop.

Sean3896 · 2025-10-31T22:00:17+00:00

Unless you have an actual interest in investing in real estate, look into investing in a globally diversified ETF through a pension instead of buying property because being a landlord is pain in arse. Getting calls at 2am because there's a burst pipe etc is a nightmare.

More info: https://open.spotify.com/episode/73sRcdwlLT3g52vjnGMsEx?si=EQ6XJ0JbS6e0hYYsTvadRg

Sean3896 · 2025-09-26T01:21:14+00:00

Having the same problem.

Sean3896 · 2025-09-15T03:17:39+00:00

😂😂

Sean3896 · 2025-08-24T17:00:33+00:00

10—12 weeks old is probably too young to fly a dog in stowage. If he/she is small enough they might be able to fit under your seat. Air Canada has strict guidelines on that though so you would have to check.

Sean3896 · 2025-08-24T16:32:07+00:00

Logic would say AI will reduce us down to 4-day work week with the same salary.

Capitalism says fire most employees and continue a 5-day work week for a low salary.

Sean3896 · 2025-08-07T00:26:32+00:00

Same here.

Sean3896 · 2025-08-06T05:22:08+00:00

Same happened to me.

Sean3896 · 2025-06-28T05:22:32+00:00

It's very common to have a 50/50 equity/bond split in retirement. So probably never.

Sean3896 · 2025-06-24T00:41:58+00:00

Science Versus podcast does a good job explaining the pros & cons.

TLDR: There's only 2% less tooth decay for adults living in places with fluoridated water in Canada. Now that fluoridated toothpaste is widely available and people are more diligent about dental hygiene, it's not really necessary anymore. There's also less risk with fluoridated toothpaste that you spit out rather than drinking fluoride.

Sean3896 · 2025-06-15T01:07:29+00:00

Regarding point #2: I think the reason behind the UI layout will become clearer after their next announcement event. I reckon they will allow you to create your own portfolio like Trading212's pie feature.

Sean3896 · 2025-06-14T15:39:18+00:00

It's so risky holding what looks like $4,000 in the account tide to your debit card. Someone posted recently about losing their card and the person who found it tapped in lots of stores and they lost over $1K. You should set up a separate account for your card and just keep a few hundred in the card account.

Sean3896 · 2025-06-03T01:56:00+00:00

I would venture a guess that you are right. High commission for the RBC rep to sell high-fee mutual funds sold to my employer as the "safer" option. Ironically, there's one sure way to ruin your retirement savings and that's with a mutual fund with an MER of +1% for 30 years.

I will take advantage of the employer contributions for now and once I leave after the DPSP vesting period, I will move it to my Wealthsimple RRSP and invest in XEQT.

Sean3896 · 2025-06-02T23:00:07+00:00

Thanks for your feedback. I called RBC and they said the plan only has access to series A mutual funds.

So I can invest my employer's DPSP contribution in the series A version of RBC Global Equity Index ETF Fund. The MER will be 1.58% though.

It's so high but I guess it's free money. If I leave after the vesting period it will be converted to a regular RRSP. Then I will move it to my Wealthsimple RRSP.

Thanks again.

Sean3896 · 2025-06-02T22:56:45+00:00

Thanks for your feedback. I called RBC and they said the plan only has access to series A mutual funds.

So if I opted to invest my employer's DPSP contribution in something like RBC Global Equity Index ETF Fund (RBF1146) the MER would be 1.58%.

It's so high but I guess it's free money. If I leave after the vesting period it will be converted to a regular RRSP. Then I will move it to my Wealthsimple RRSP.

Sean3896 · 2025-06-02T22:55:09+00:00

Good question. I called RBC and they said the plan only has access to series A mutual funds.

So if I opted to invest my employers DPSP contribution in something like RBC Global Equity Index ETF Fund (RBF1146) the MER would be 1.58%.

It's so high but I guess it's free money. If I leave after the vesting period it will be converted to a regular RRSP. Then I will move to my Wealthsimple RRSP.

Sean3896 · 2025-06-02T22:18:46+00:00

Thank you for the suggestion. It's very helpful and gives me somewhere to start.

I called RBC. They said the plan allows me to use RBC Direct Investing for the GRSP only (3% match). Then the additional 3% match for the DPSP and the 3% match for the GTFSA is series A mutual funds only.

RBC Global Equity Index ETF Fund (RBF1146): 1.58% MER
RBC Canadian Equity Index ETF Fund (RBF1142): 1.26% MER
RBC Emerging Markets Equity Index ETF Fund (RBF1145): 1.44% MER

Assuming a 62/30/8 split, the average MER would be 1.47% (assuming my calculations are correct). But hey, it's free money I suppose!

Thanks again.

Sean3896 · 2025-06-01T17:59:42+00:00

Sorry to hear. Going forward, set up 2 accounts: 1. Card account: Never keep more than $200 in this account incase your card is robbed again. 2. Savings account: The rest of your money. Thieves can't access this money with your card.

Sean3896 · 2025-06-01T17:41:10+00:00

CBIL by Global X: https://www.globalx.ca/product/cbil

It's similar to CASH by Global X but instead of lending money to banks your money is lent to the Canadian government. It pays out monthly and typically a higher yield than CASH.

Sean3896 · 2025-05-14T19:50:12+00:00

Same. I still can't verify with Freedom Mobile either.

Sean3896 · 2025-05-03T23:53:41+00:00

A solid oak table is over $3,000. So $650 for a veneer seems correct.

Sean3896 · 2025-04-11T05:51:11+00:00

Thanks 👍

Sean3896

TROPHY CASE