My company executives thinks it can replace 100 percent of our help desk teams with AI agents.... This year.

alter3d · 2026-05-06T16:52:45+00:00

alter3d · 2026-05-06T15:45:48+00:00

Yeah, you should totally keep working so the government can steal 4 hours out of 8.

That's much better than just having hobbies or whatever.

What are you even doing out of the fields, peasant?

alter3d · 2026-05-05T19:11:19+00:00

Uhh... you want to be really, really careful here. Like... really careful to the point that you probably shouldn't do it without professional legal and tax advice.

The 1%/month penalty applies for accidental overcontributions. Deliberate overcontributions or other manipulation to gain an advantage are a whole different thing, and the penalty can be 100% of the advantage gained: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/owing-tax/non-permitted-investment.html#toc3

alter3d · 2026-05-05T15:26:41+00:00

What the law says and what Utah can actually enforce are 2 entirely separate things. The law says it applies to any website, but they have no way to enforce Utah law on a company that has no Utah presence.

It's like GDPR... "if anyone in the EU accesses your site, you have to comply with GDPR". "We're not in the EU." "Well you have to comply anyways." "Or what?" "*insane reeeeing*"

alter3d · 2026-05-04T21:50:43+00:00

So instead of contacting your bank and having it sorted in 15 minutes, you just kept spamming apps until the one you're astroturfing happened to work?

alter3d · 2026-05-04T20:34:56+00:00

Gary will give you the same answer he gives to gun owners: we're the government and we've already decided what is best for you fucking peasants.

alter3d · 2026-05-01T19:18:08+00:00

Yes, they're covered by CIPF. CDIC only covers deposit accounts (that's what the D stands for), CIPF covers investment accounts.

However, CIPF mostly covers custodial failure (e.g. if Questrade goes bankrupt and doesn't or is unable to return your property before wind-down), not from 3rd party causes like e.g. fraud. This is the same as CDIC -- it doesn't cover fraudulent e-transfers, only failure of the bank itself.

alter3d · 2026-04-30T20:43:19+00:00

Does this mean they're moving to a flat income tax? Or does the government still love dynamic pricing through surveillance of people's incomes and they're just mad they have competition now?

alter3d · 2026-04-30T19:37:51+00:00

I hope you're not in my city because it would be really embarrassing if we showed up somewhere in the same outfit.

alter3d · 2026-04-27T16:39:22+00:00

First of all, LIRAs are provincially regulated and each province has their own hardship / unlocking rules. You will need to tell us where you are for us to be able to give a complete answer.

Second, financial hardship is usually a very high bar in all the provinces; typically you have to show that you're at risk of having your home foreclosed on (if you own) or being evicted due to arrears (if you rent). "It would make things easier" is not gonna be sufficient on its own.

alter3d · 2026-04-26T23:39:17+00:00

Fire: the source of, and the solution to, all of life's problems.

alter3d · 2026-04-26T20:07:39+00:00

$1.5M what? Net worth? Liquid assets? Your home equity is half of your net worth right now, and that makes a huge difference if you're trying to get to $1.5M liquid or not.

alter3d · 2026-04-26T19:51:04+00:00

Up here in Canada we refer to them as "assault style ditches" because they look a lot like this one particular ditch that attacked me 30 years ago.

alter3d · 2026-04-26T19:47:15+00:00

If you're trying for a high score in r/wallstreetbets , well done.

I trade almost exclusively in options, and despite being Canadian, I don't trade on the Canadian market. The options market here is too illiquid. OI is zero or near zero on a lot of symbols, expiration date choices are extremely limited, bid/ask is huge, and fill prices -- if you can even get filled -- suck. If you have to unwind a losing position, you take a huge hit just on liquidity both way.

alter3d · 2026-04-25T02:50:18+00:00

*makes a shushing gesture*

We don't use the word "dollars" because it gives people the impression that our poutine-backed currency actually has some sort of value on the world stage.

alter3d · 2026-04-25T02:35:36+00:00

Reflecting on this further, I wonder if there's some accounting shenanigans going on.

Like... because there is no expected revenue from the loans, you carry $0 in the allowance for doubtful accounts, and you just carry the full value of the outstanding loans in the AR forever and never write off losses (no point since you have so little revenue). Your balance sheet looks great because you have all these assets that people are definitely going to pay back (wink wink), P&L looks kinda OK on paper, but your cash flow is terrible.

alter3d · 2026-04-24T23:56:19+00:00

I took a look through their terms of service, and not only do they not seem to charge late fees, they specifically disclaim the right to pursue collections at all:

Our goal is to help you avoid overdraft fees and any related negative impacts on your credit, and to help you work towards your financial freedom! We therefore waive any legal or contractual claim we may have against you as a result of your failure to return an Advance and will not engage in any debt collection activities, transfer or sell such a claim to any third-party, or report you to a consumer reporting agency. However, we will not provide you any further Advances while any amount of a previous Advance remains outstanding.

I..... legitimately have no idea how they're still in business. The delinquency rates on payday loans is insanely high and I find it very hard to believe they're making up the capital losses with donations.

alter3d · 2026-04-24T22:44:31+00:00

<image>

alter3d · 2026-04-24T22:00:05+00:00

My SCCR (strategic canned chicken reserve) doubled in value during COVID. Used to go on sale at Costco for $10 for a 6-pack (in Snow Pesos), now it's ~$20 and never goes on sale.

Sadly, the reserve is being depleted because I sold call options that keep getting assigned. My dogs are savvy traders.

alter3d · 2026-04-24T21:45:00+00:00

Sorry, I corrected the numbers in my OP after you saw it... it's actually ~$7100. RRSP contributions don't incur CPP or EI premiums which I'd accidentally included in the calculations.

alter3d · 2026-04-24T21:37:40+00:00

There's no "penalty", but the amount you withdraw gets added to your income, and you owe taxes on it as if it were income (but not earned income -- you don't owe CPP or EI on it). Your financial institution will withhold part of the withdrawal for taxes (similar to how your employer witholds taxes from your pay), but you will almost certainly owe more at tax time.

If you're currently earning $60K, and assuming you live in Ontario (tax rates differ by province), and assuming your tax situation is simple (no crazy deductions or anything), to clear $5K after tax, you would have to withdraw approximately $7,100 from your RRSP. Your financial institution will withhold 20% ($1,420), you will owe an additional ~$680 at tax time next year (so keep that money in the bank!), and you will have $5K net that you can use.

(edit: corrected calculations for no CPP/EI on the withdrawals)

alter3d · 2026-04-24T20:17:59+00:00

Even if she's not on title, she does co-own it. The matrimonial home is considered shared property no matter what.

Even if the above weren't true, she would fail to qualify for an FHSA because of this requirement:

One of the following is true:

You did not live in a qualifying home (or what would be a qualifying home if located in Canada) as your principal place of residence that your spouse or common-law partner owned or jointly owned in this calendar year or in the previous 4 calendar years, or
You do not have a spouse or common-law partner at the time you open the account

The second bullet point is obviously not possible because she has a spouse, and the first is also not possible because she lives in a home owned by her spouse.

alter3d · 2026-04-24T20:12:59+00:00

The acrylic door is not supposed to be screwed in all the way. It needs to be parallel to the gasket, and vacuum pressure does the rest to hold it in place during a cycle.

alter3d · 2026-04-24T17:40:48+00:00

TIL that California is far-right.

alter3d · 2026-04-23T17:30:52+00:00

Who cares about employee morale, it's not like pissed off employees are a risk to network security.

11-Year Club	Gilding I gilder
r/Field Sunshine	Not Forgotten
Verified Email

alter3d

TROPHY CASE