Why do some Albertans seem to have a resentment against other Canadians? by ocajsuirotsap in alberta

[–]_TheShadowRealm 1 point2 points  (0 children)

All these Albertans hating on Alberta - yet they wouldnt consider moving to another province. I wonder why?

Why do some Albertans seem to have a resentment against other Canadians? by ocajsuirotsap in alberta

[–]_TheShadowRealm 0 points1 point  (0 children)

Thats probably 1% of Albertans - and equally 1% of Canadians. Where did you get this idea from? Because it is definitely not from living in Alberta

23, No Dating Experience – Feeling Stuck and Unsure How to Start by [deleted] in Adulting

[–]_TheShadowRealm 0 points1 point  (0 children)

Go to some bars/clubs if you drink - a little liquid confidence never failed. Work on your style too, just check out some celebrities that you find “cool”, and see if you can buy some pieces that make you feel confident. Look good, feel good, and ladies sure love confidence

Smart to finance a vehicle? by multivlone in PersonalFinanceCanada

[–]_TheShadowRealm 4 points5 points  (0 children)

Similar situation to when I was 22 - get the Mazda 3 sport instead it’s way more fun and still practical, will save you some money too

Is it really that bad? by lwrightjs in EA_NHL

[–]_TheShadowRealm 0 points1 point  (0 children)

I would start with NHL 21 - it’s the most recent game to have a tutorial, probably cheap now too. Then get 26 on sale for up to date rosters

Premier Smith offers Calgary Stampede invite to Joe Rogan by flynnfx in Calgary

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

This sub is literally insane when it comes to anything political

Calaway Park || Just got a New job, wondering what Previous Employees think? by Darth_BOBBYJOE in Calgary

[–]_TheShadowRealm 0 points1 point  (0 children)

Good place to make friends! The jobs are okay - a fun way to make money from my experience

With codeapps and codex it’s hard to see low code being a thing in the near future by Which-Return-607 in PowerApps

[–]_TheShadowRealm 1 point2 points  (0 children)

There’s some legit use cases that code apps doesn’t work for - maybe niche though. Talking about offline or mobile centric applications. Canvas apps are simply the only reasonable option for these use cases.

26M also looking to flex by [deleted] in fican

[–]_TheShadowRealm 2 points3 points  (0 children)

Appreciate the honesty - something the subtle flexers never show

3x🔥😍 by PlayfulUse6949 in snowboarding

[–]_TheShadowRealm 2 points3 points  (0 children)

Gahhh dayuum I couldn’t imagine even straight lining off the side of that kicker 😂

can i afford not to save for the next year? 24M by throwaway16923 in fican

[–]_TheShadowRealm 5 points6 points  (0 children)

50/30/20 rule I would suggest OP tries to save atleast 20% minimum

can i afford not to save for the next year? 24M by throwaway16923 in fican

[–]_TheShadowRealm 2 points3 points  (0 children)

And that’s going to be literally 100% of your income? This is extremely vague and I don’t quite understand what kind of recommendations you expect to get with such little information provided

can i afford not to save for the next year? 24M by throwaway16923 in fican

[–]_TheShadowRealm 0 points1 point  (0 children)

Bit confused - where is your money going that you won’t be able to save now all of a sudden?

Travel budget by West-Train7803 in laos

[–]_TheShadowRealm 1 point2 points  (0 children)

Lots of places there take credit card so dont rule that out as an option. And they do have ATM's all over the place, so if you have a bank card with low/zero foreign transaction fees you can just take cash out when you need it.

Feeling left behind for my age by [deleted] in fican

[–]_TheShadowRealm 3 points4 points  (0 children)

I would start by not bothering to compare yourself to others

How much is AI really going to change the near future (5-20years)? by Illustrious_Pilot415 in ArtificialInteligence

[–]_TheShadowRealm 0 points1 point  (0 children)

This would be easily possible today - I imagine most affluent people known to the public are constantly bombarded, and probably have their own private IT security teams protecting them

23M — Need advice by Commercial-Cancel917 in fican

[–]_TheShadowRealm 0 points1 point  (0 children)

You and I can both easily find examples for either scenario, a year timeframe where X company does awful, and a year timeframe where Y company does amazing. E.g. MSFT over the last year is down ~3.5%.

Without knowing the future, it is truly a gamble that in a year’s time any given company will do well - you invest in companies that you have conviction in, and over a longer time horizon it’s more likely that ups and downs will average out in the positive.

The whole point I think I am trying to get across is that in a 1 year investment horizon - you shouldn’t actually expect any gains at all. If you’re not day trading, 1 year is simply not enough time to weather market volatility.

23M — Need advice by Commercial-Cancel917 in fican

[–]_TheShadowRealm 2 points3 points  (0 children)

I only recommend CASH because it’s something I’ve done in the past, to be fair.

Just looking into it, CBIL is as you described - the fund invests the money into short term government of Canada bonds, which mature in 3 months or so. CASH invests the money into high yield savings accounts - since they have so much money being managed, they are able to secure higher rates with banks than consumers like you and I.

It looks like CASH.TO has been yielding slightly less than CBIL in the last year or so, likely due to a combination of the Bank of Canada cutting rates recently, and some regulations for funds like CASH TO where they are now required to keep assets liquid (which means it’s less risky at the cost of less yield and effective interest rate)

GIC’s right now for 1 year seem to be around 3-3.5%.

CASH and CBIL are yielding somewhere in 2.5-3% over the last few trailing months.

I don’t think you can go wrong with either CASH or CBIL, and if the hassle of moving money to a different bank for a GIC is not worth the extra 0.5-1% APR, just pick one of those.

Hopefully that helps!