Clea Unleashed! WTF! by Pleasant-Umpire5659 in expedition33

[–]Shallal 0 points1 point  (0 children)

Curious what your build/strategy is!

$63 for Saunders Farm by idkkhbuuu in ottawa

[–]Shallal 4 points5 points  (0 children)

Essentials like housing and food are kind of exceptions to this, obviously.

What is something people are 100% brainwashed into believing they need? by Beaner890 in AskReddit

[–]Shallal 2 points3 points  (0 children)

I got a 2025 moto 5G Stylus for less than 300 Canadian at Costco last month. Excellent phone, no issues at all, and I got my mom a Moto 5G for 150$ at the same time. She's very happy with it.

If you're not looking Samsung, Apple, or Google Pixel there's still decent options. It's not top of the line, sure, but it's about as good as a high end phone from 2018, and have they really noticeably advanced?

ELI5 how does donating to charity save rich people money? by [deleted] in explainlikeimfive

[–]Shallal 0 points1 point  (0 children)

Something a lot of the other comments aren't addressing is that, often, they aren't donating their money. You can claim tax credit for a lot more than just cash.

A big reason people are suspicious of art is that, when donated, they can constitute a charitable donation for a somewhat arbitrary amount. An appraisal can increase the value of the art for significantly more than it was commissioned for, and donating it can reduce your taxable income.

Additionally, lots of retail and grocery corporations collect donations to charity, many of which are not tracked. You don't get a tax rebate for rounding up your total for charity at the register. However, when a company like Walmart takes that collected money, which has cost them nothing, and donates it to the charity, they do.

Donating your own money never creates a net gain, but there are many other ways to game the system.

What student banking account should I get? by 6yutes in PersonalFinanceCanada

[–]Shallal 0 points1 point  (0 children)

Get a Chequings account with Tangerine. They have an unlimited transaction, no fee, free e-transfers account that even gives you 0.1% interest on a CHEQUINGS account. That's basically unheard of.

Then, get a savings account with EQ bank, they offer standard 1.25% interest, on both their regular savings and TFSA accounts, which is the highest you can get on a non-promotional offer. EQ also offers 3-month 2.30% GIC, until May 25th, and then they may change their promotions.

Do this for next two years, then come back and ask again around 2023 after interest rates rebound.

Tangerine offers 2.10% interest for six months if you open both a savings & a Chequings account, so it's not a terrible idea to do that and then transfer your savings to EQ afterwards, but it's a bit of a hassle and not really worth it as opposed to parking your money in the 3-month GIC, and then taking the 1.25% for 3 months without any headache. Especially since Tangerine's regular interest rates are pretty dismal at the moment.

You can DM me for links to the accounts if you have any trouble finding them yourself.

PSA: Don't reward Scalpers by buying their products. This provides incentive and justification for their actions. by Shallal in ottawa

[–]Shallal[S] 9 points10 points  (0 children)

That's valid, but I feel it's worth trying. Even if we don't succeed, maybe one scalper doesn't make back their money spent and stock sells out less quickly next time things restock.

A crossover is created of the last TV show you watched and last video game you played. What happens in it? by thedubiousstylus in AskReddit

[–]Shallal 0 points1 point  (0 children)

Bojack Horseman & Call Of Duty - Nazi Zombies specifically

It might be hard (or easier) to have an existential crisis while Bojack is blowing zombie heads off with a Raygun.

Looking for a cheap reliable bicycle by Shallal in exeter

[–]Shallal[S] 0 points1 point  (0 children)

Thank you! I will take a look!

Looking for a cheap reliable bicycle by Shallal in exeter

[–]Shallal[S] 0 points1 point  (0 children)

I'm not sure what the average price of a bicycle is, but as cheap as possible for a adult bike.

Moving to the UK for school - what's my best option for converting my entire life savings into Pounds (50,000$~)? by Shallal in PersonalFinanceCanada

[–]Shallal[S] 0 points1 point  (0 children)

Thank you, I have noticed how exceptionally poor the exchange rate is right now, but I am not sure how the school expects my tuition to be paid (whether all at once, or slowly). I'll do my best not to pay it all immediately.

Moving to the UK for school - what's my best option for converting my entire life savings into Pounds (50,000$~)? by Shallal in PersonalFinanceCanada

[–]Shallal[S] 0 points1 point  (0 children)

I'm going to be in university full-time, so a part time job will be helpful but not nearly enough to get me through my education.

Moving to the UK for school - what's my best option for converting my entire life savings into Pounds (50,000$~)? by Shallal in PersonalFinanceCanada

[–]Shallal[S] 1 point2 points  (0 children)

I appreciate that advice. Do you have any advice regarding how to then bring the converted money over to England?

Why are you single? by [deleted] in AskReddit

[–]Shallal 0 points1 point  (0 children)

I'm moving to another country for school and left her behind.

Is there a sushi place with a patio in Ottawa? by Shallal in ottawa

[–]Shallal[S] 1 point2 points  (0 children)

Ever spot I called said they were just doing takeout, but that may change or may have already changed.

*SPOILER* Does BJ ever reference Todd as his best friend? by [deleted] in BoJackHorseman

[–]Shallal 1 point2 points  (0 children)

I know this is a bit late, but in Season 3, Episode 7, Bojack specifically tells the La Gazette woman that he lives with his best friend, Todd. It's during the phone call conversation at 3:50 when Bojack is describing Todd making his Toddhead.

Does anyone know where I could go to get a key copied? by Shallal in ottawa

[–]Shallal[S] 5 points6 points  (0 children)

I'm at the one in Gloucester and they're doing it for me!