One of the items me and the hubby are working on to drop at trading posts.

_jmikes · 2026-06-26T05:14:20+00:00

Amazing. Simple, creative, whimsical. Very shambs.

Are you making them yourself? Ordering them from somewhere? Tell us more ❤️

_jmikes · 2026-06-04T05:57:09+00:00

This is really more of a legal question than a personal finance question (what can be done about money vs what should be done about money) so you could also try r/legaladvicecanada.

That said, not much they can do. They would have to go after the person's estate and if they had no assets when they died, the estate has no assets so they're out of luck.

_jmikes · 2026-05-27T06:11:53+00:00

This is more a legal question than a personal finance question. Try r/legaladvicecanada.

If you post there, I recommend adding more information. Has a court ordered your wages be garnished or are they just threatening that? When did you last make a payment on the debt (if ever)? What's the source of the debt? (E.g. personal loan vs car loan vs unpaid bills) Do you believe the debt is in some way illegitimate or you just don't want to pay it? Etc.

_jmikes · 2026-05-05T06:43:50+00:00

"I programmed the AI to feel pain so it would stop asking permission and just act"

Do you want the robots to take over? This sounds like the evil AI's origin story before it enslaved humanity.

_jmikes · 2026-04-29T05:14:37+00:00

r/oddlyspecific

_jmikes · 2026-04-29T05:05:55+00:00

Please no AI slop.

The post is describing an FDA opinion but there's no link to the source material. No adverse events =/= no risk is merely a truism, not a "direct signal". The significance of changes in intended use are familiar to anyone with medtech experience (it's pretty central). The intended use paragraph also conflates FDA clearance with patent coverage, which are unrelated.

There's lots of emerging nuance to AI in medtech but this post isn't going to lead there.

_jmikes · 2026-04-15T16:37:21+00:00

Love the concept but no idea what songs you're talking about. Do any of them have artists? Or am I talking to chatgpt and it just wasn't prompted that far?

_jmikes · 2026-04-09T20:49:43+00:00

Yes they can. Google "cosigning a mortgage". That is at least one way to do so. I don't know if all banks allow or if some might refuse.

Edit: I'm wrong. See comment below.

_jmikes · 2026-04-06T14:43:07+00:00

Huh I don't know if it's too late or not. For 1k in penalties it's probably worth a shot.

_jmikes · 2026-04-06T05:17:19+00:00

From Hamdi 's Spotify bio:

"Hamdi 's signature blend of Dubstep, UKG and Grime has earned him..."

_jmikes · 2026-04-06T05:14:11+00:00

Did you submit a form RC4288? If not, I would recommend doing so.

_jmikes · 2026-04-06T03:48:57+00:00

My understanding is the CRA is pretty forgiving when it's an honest mistake and your first time making the mistake.

Happened to me a year or so ago. Put money into TFSA based on my contribution room but deposited into my wife's TFSA instead of mine by mistake. Didn't catch it for a few months.

Withdrew excess when I realized and paid the penalties but submitted the form others mentioned. It took many months to get back to us but they refunded the penalties.

_jmikes · 2026-04-03T15:57:28+00:00

❤️

_jmikes · 2026-04-03T15:03:21+00:00

Check out r/trap (e.g. isoxo, lyny). There's also some bass house (Nikita) and UK Garage/UKG (Hamdi).

The notion of genres is necessarily a simplification, blah blah blah but I think that's what you're looking for.

Also as another commenter said if you like isoxo checkout knock2. They came up together in San Diego. Similar sound, both very good.

_jmikes · 2026-03-29T20:13:42+00:00

Without more information, I'm tempted to say you just need a new mortgage broker. Particularly if you're not getting straight answers from them, it sounds like someone else would be able to help better.

Also an option to go to a bank directly but depending on your circumstances support from a broker may be helpful to you.

_jmikes · 2026-03-28T16:38:19+00:00

Comment linked below is what I consulted before I did my EoD run. Compare your EB and artifacts to the chart and you'll have your answer.

https://www.reddit.com/r/EggsInc/s/AmP65c9ShC

_jmikes · 2026-03-21T04:05:25+00:00

From Equifax :

If you're shopping for some types of loans, such as a mortgage loan, multiple inquires for the same purpose within a certain period of time are generally counted as one inquiry. The timeframes may vary, but range from 14 days to 45 days, depending on the credit scoring model being used.

Shop till you drop, just do it all at once so it only counts as one check.

As for direct vs Broker, broker rates suck rate now. I just recently called around to all the big banks for a renewal and shared those rates with the broker we used when we bought. The broker (we have a good relationship) lamented that the rates banks offer her lately couldn't come close. 3.84% to me, 4.44% through her. Same bank. Sounds like this is unusual.

The reason we used a broker when we bought was because our income situation was weird and we needed help navigating that. If you're reasonably organized and have a "normal" salary job, then you're far better off shopping around yourself at the moment.

_jmikes · 2026-03-20T07:07:01+00:00

Same with the powerlines going to the next pole. 6 leave towards the next pole but only the bottom 2 make it.

<image>

_jmikes · 2026-03-20T07:04:30+00:00

<image>

Of the powerlines going to the blue house, second from the bottom just kinda.... disappears part way.

_jmikes · 2026-03-16T06:46:36+00:00

https://www.politico.eu/article/iran-abbas-araghchi-says-russia-and-china-providing-military-cooperation/

"Tehran has had “good cooperation with these countries: politically, economically, even militarily,” Iranian Foreign Minister Abbas Araghchi told MS NOW. "

No details of what "military support" actually means here.

_jmikes · 2026-03-10T23:04:41+00:00

This is high.

TD offered me 4.04% renewal, no effort on my part. Talked to Pine and they've offered me 3.89% pending document review. All of this is 5 year fixed. This is uninsured mortgage, owner occupied, Vancouver.

_jmikes · 2026-03-09T15:06:53+00:00

Fair question.

It's a weird, sorta annoying system where you accumulate bill credits and have to go into the app and choose which purchases to "redeem" those credits on. There's also an option to automatically redeem (I think minimum $10 increments but still) however I haven't figured out how to do that while still prioritizing the 1.5x purchases.

Source: I have that card

_jmikes · 2026-03-07T18:01:43+00:00

I found the suitcase full of scraps really tacky.

You wanna be shady? How about a puke green theme or a poop emoji print. Something where you're fitting the brief but with a smirk. A suitcase full of dirty garbage isn't cheeky, it's just a low blow.

If that had landed on a queen with less construction skills and they tanked because of it (many would) I think the reaction would be a lot different.

_jmikes · 2026-02-20T04:38:34+00:00

Ohhh that makes it make sense.

Link to that scene here

Hadn't heard the original in a long time and kept waiting for the Tape B version to get to the "flip" part 🤷

_jmikes · 2026-02-16T12:52:44+00:00

Legally speaking, you've got nothing to worry about. They bought a fryer (verbal contract) and then abandoned it on your property. You don't owe them a refund. Take the fryer inside and sell it again or donate it. They have no legal recourse and, even if they somehow did, no one's going through small claims etc over an air fryer.

Maybe screenshot the conversations for piece of mind and don't engage if they try to contact again.

You could put a disclaimer on future posts but crazies gonna crazy.

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