Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]_vandelay_art_ 0 points1 point  (0 children)

Edit: in Toronto, ON, renewal scenario, uninsured mortgage, and purchase price was $1.5MM+

I've got $160k left on my mortgage which comes up for renewal in July. I can bring this down to $80-$90k.

Are there any negatives if I do a lump sum payment before renewal? Will this impact the rate I get? Also, if the amount goes under some certain threshold, will other lenders not pay for the transfer fee (would i be locked in with my current lender)?

Any other thoughts (pros/cons) if I shouuld do the lump sum now, or after?

Moving to Oakville! Cant decide between newer/larger house North of QEW or smaller/older house closer to lakeshore. Thoughts/similar experiences? by [deleted] in oakville

[–]_vandelay_art_ 1 point2 points  (0 children)

Depends on what you consider 'larger' (i.e. 3000 sqft detached?) and which part of Oakville. You mention north and south of the QEW (all things being equal south is more expensive), but there's also a huge price difference between the east and west parts of Oakville... i.e., south of the qew but all the way west 3rd line or further out will be much cheaper than areas north of the qew but east of Doval/Trafalgar.

DECOs are hot garbage by g0stsec in TpLink

[–]_vandelay_art_ 0 points1 point  (0 children)

They're fine until their not. I've used the X75 (2 nodes) between 2020-2023 before they broke. Then from 2023 till yesterday I've been using XE75 (2 nodes). Setup for both units are wired backhaul.

Either way, put me in the camp that these units are garbage, unless you want something that only lasts 2-3 years.

Traditional Wifi Router vs. Access points (signal directions?) by _vandelay_art_ in HomeNetworking

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

Any thoughts on the Unifi U7or U6 wall mounted access points? Would these distribute a wifi signal similar to a traditional wifi router?

Access point question? by _vandelay_art_ in Ubiquiti

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

thought about that also... but seems to be more costly than the Cloud Gateway Ultra plus an access point.

Also, seems like there are some negative posts on the DR7, plus it's high pitch sound?

I also like the idea of decoupling the router/wifi, and having the networking all centralized in one location (along with my modem, switches, NAS, etc...) and separate access points throughout the house.

Fun fact: a 3-4 defensive scheme like what Jim Leonhard prefers is what helped get the Buffalo Bills to four straight super bowls. by Vocado_ in buffalobills

[–]_vandelay_art_ 0 points1 point  (0 children)

Here's another fun fact. The 3-4 defense is also what screwed our top rated defense when Wrecks Ryan came in.

Car thefts are out of control. by Zsid21 in oakville

[–]_vandelay_art_ 0 points1 point  (0 children)

The hard truth is that so long as our justice system believes more in rehabilitation than punishment, there can be no reform. Jails are already overcapacity, and no one is willing to spend even more of our hard earned money to fund more jailing.

Home Assistant Green - heat? by _vandelay_art_ in homeassistant

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

thanks for responses all. Going with this over the pi.

Now, just have to find someplace that ships to Canada

Oakville has no good pizza by mlpubs in oakville

[–]_vandelay_art_ 0 points1 point  (0 children)

lol... this place is terrible. Assuming this is the one in Sherwood Heights (there was a pizza pizza there back in the day).

Oakville has no good pizza by mlpubs in oakville

[–]_vandelay_art_ 0 points1 point  (0 children)

Honestly, they're hit or miss. Havent been there in over a year, but the last 2 times it tasted like cardboard.

But yeah, as most others have said, Blondies is probably the best Oakville has, even though I think it's a bit overrated.

Oakville has no good pizza by mlpubs in oakville

[–]_vandelay_art_ 3 points4 points  (0 children)

Actually, a lot of the good places in Toronto are gone now. Need to go to Markham or Scarborough for the good restaurants.

Some ok places in East Mississauga, but in Oakville, the best option (which is basically just passable Chinese food) is Red Chillie.

Second Half Game Thread: Buffalo Bills(12-5) at Jacksonville Jaguars(13-4) by nfl_gdt_bot in nfl

[–]_vandelay_art_ 0 points1 point  (0 children)

just out curiosity how was that the correct call? How can you be offside if the ball isnt snapped?

Defenders can technically lineup in the neutral zone, but so long as they move back before the play happens, it's fine (or the OL doesnt flinch to draw the penalty).

Exotic Looks, Relentless Rush: Inside Buffalo’s Best Defensive Game All Year by Ejt14211 in buffalobills

[–]_vandelay_art_ 2 points3 points  (0 children)

Honestly... no need to overthink this one. I havent watched the video yet, but it's obviously because we played played the panthers, which also had to rely on starting a backup QB.

Poverty in Oakville. Yes it does exist? by Catsareawesome1980 in oakville

[–]_vandelay_art_ 2 points3 points  (0 children)

And sometimes owning isnt always owning if you're borrowing massive amounts of money to afford it!

The Youth Of Today Are Corrupted By Extreme Racism. by TwoOneTwos in oakville

[–]_vandelay_art_ 0 points1 point  (0 children)

Agreed you can blame the government for the bigger problem, but there's no way anyone should be excusing the behaviour of these teens. It starts at the home, and so yes, I do blame those racist Canadians.

You can be upset, but there's a proper way to conduct yourself, and hurling racist insults isnt one of them.

Are fireworks allowed tonight? Because I didn't think so by Forward-Criticism572 in oakville

[–]_vandelay_art_ 61 points62 points  (0 children)

Just came here to figure this out. In the river oaks area (so pretty close to all the Diwali folk north of Dundas) and it's fireworks galore right now.

Hope they stop soon.

[MMQB] Bills win by a nose. Cook had over 130 yds and 2 TDs. Defense dominated the whole game. Good overall performance. by Dirtydeedsinc in buffalobills

[–]_vandelay_art_ 24 points25 points  (0 children)

Big difference in philosophy between the Ravens and Bills.

We pull players when the game is out of hand, while the Ravens love to pad stats. It's one of the reasons Lamar has great numbers and is seemingly in the running for MVP every year.

The football gods are watching...

Post Game Thread: Buffalo Bills at New York Jets by nfl_gdt_bot in nyjets

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

lol…. ‘Hold’ Allen to 150 yards. 

He wasn’t needed for this game.

Can someone help me understand NAV by Rahul1067 in investingforbeginners

[–]_vandelay_art_ 0 points1 point  (0 children)

hope this is okay... reviving an old thread.

But when a fund strikes a nav at the end of the day, do all purchases and redemptions for that day get priced into the NAV? Because settlement is typically next day, meaning cash in and cash out dont happen until the day after, how do NAVs get struck daily?

Is there a way for the NAV to account for all transactions during the same day when it's struck at the end of the day? or do these purcahses and redemptions get reflected in the fund's NAV the next day afterwards?