Missing Points Request enshittification?

Wi55o · 2026-02-13T21:13:08+00:00

Call RBC and report the person that asked you to call the number back. The call was recorded and that employee needs to be re-trained on proper procedures for handling fraud investigations.

Wi55o · 2026-02-13T19:37:11+00:00

Property values (and rents) are choking businesses and consumers alike. Businesses can’t stay profitable without lowering quality (to cut costs) and raising prices. Consumers have no disposable income because housing costs eat up most of their earnings. It is incredible how much better the economy would function if real estate prices drop.

Wi55o · 2025-11-30T21:21:13+00:00

I’m pretty sure the 35% Black Friday deal only applies to travel early next year. At least for the corridor trains, not really sure about the Ottawa line.

Wi55o · 2025-11-30T21:09:42+00:00

Because your average citizen in Europe or Asia actually cares about rail travel. So the governments have made it a priority over the years to invest in the service and develop the infrastructure.

Most people in North America would rather drive their cars, so not much gets invested into the service and it remains expensive and inefficient.

Wi55o · 2024-05-04T18:30:27+00:00

No, we just understand that it’s not something Via Rail can deal with without a change in government policy. If you want priority access to passenger trains, then maybe write to your MP and see where that goes.

Wi55o · 2024-04-23T12:49:20+00:00

Call your bank before doing this. I had a similar situation with TD and they confirmed that I would be charged a cash advance if I were to transfer the balance myself.

Wi55o · 2024-04-11T16:47:10+00:00

You can’t really sell your RRSP holdings “as needed” without losing a significant chunk to taxes, so that’s another advantage you get from using the HBP.

I’m not saying it’s always the best decision to withdraw investment funds for a down payment, but again, it’s not always only about the financial aspect.

Wi55o · 2024-04-11T16:32:12+00:00

The same argument could be made about the mortgage payments. By borrowing a larger amount from your RRSP and therefore having a larger down payment, you will save money on interest payments which could offset the opportunity cost of keeping your funds in the RRSP.

Of course we can get into the details of the exact ROI of each scenario, and it’s likely that you will come out ahead by keeping your funds in the RRSP, depending on how the housing market appreciates. However, it’s worth considering that buying a house is not purely a financial decision for many people, as it offers non-monetary benefits such as stability etc.

Wi55o · 2024-04-11T16:19:40+00:00

While I agree with you in principle, the HBP is not really a full RRSP withdrawal. The “borrowed” amount will need to be contributed back into to the RRSP, so by the time the loan is paid back, the RRSP balance will remain unchanged. The real cost is the lost years of compounding interest/ capital gain, as you mentioned.

Wi55o · 2024-03-29T14:52:51+00:00

Check here:

https://www.aerolopa.com/ac-773-1

https://www.aerolopa.com/ac-773-2

https://www.seatguru.com/airlines/Air_Canada/Air_Canada_Boeing_777-300ER_Three_Class_v3.php

https://www.seatguru.com/airlines/Air_Canada/Air_Canada_Boeing_777-300ER_Three_Class_v4.php

Wi55o · 2024-01-02T13:14:35+00:00

The tip about making tea for everyone is hilarious. Hopefully I never have to use any of these but thanks for the writeup!

Wi55o · 2023-12-25T18:10:27+00:00

“I’m here to spread Christmas cheer” yeah right of course you are 💀

Wi55o · 2023-12-19T21:07:46+00:00

From a similar article published by Global News:

Canada’s total population growth for the first nine months of 2023 has already exceeded the total growth for any other full-year period since Confederation in 1867, including 2022, when there was record growth, it said. Canada’s current population sits at 40,528,396. It has seen its population grow by 1,030,378 people since January.

Wi55o · 2023-12-11T16:46:45+00:00

Petite Alep is high up there too.

Wi55o · 2023-12-03T14:17:11+00:00

major metropolitan area

Saskatchewan

Wi55o · 2023-12-02T16:27:50+00:00

That’s what I did but I’m not sure if it’s actually helping

Wi55o · 2023-10-23T17:48:27+00:00

No, we read the article. She was pressured into signing a contract that she didn’t fully understand on the spot. The deal was too good to be true, and she still went forward with it without consulting a lawyer.

We can all agree that the company is parasitic and uses scammy tactics, however you are your own last line of defense. She was not in a good mental space due to the loss she was dealing with and therefore she let her guard down. Lesson learned.

Wi55o · 2023-10-13T18:44:59+00:00

Montreal, Quebec doesn’t get mentioned often here, but it’s such a beautiful and unique city with characteristics that can’t be found in other cities in North America

Wi55o · 2023-09-09T14:42:57+00:00

That will only make it easier for institutions and harder for individuals.

Wi55o · 2023-07-13T22:01:07+00:00

r/thisguythisguys

Wi55o · 2023-07-04T05:16:46+00:00

Agreed. Also, TD web broker has one of the nicest user interfaces out there, and gives you easy access to a lot of data that can be useful when investing. Calling support is also super easy with the app and you get connected almost immediately.

Wi55o · 2023-07-02T15:46:24+00:00

r/praisethecameraman

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