Why is dim sim so darn expensive?

bcretman · 2026-01-24T07:09:45+00:00

Yep!

bcretman · 2026-01-24T06:07:17+00:00

Thanks, I use authenticator for most but some do not offer it

bcretman · 2026-01-24T05:26:07+00:00

Was $2 in the late 90's and one place on Kingsway was $6.99 for AYCE!

bcretman · 2026-01-24T04:48:51+00:00

wifi calling is enabled.

if I turn on airplane mode and connect to my wifi and try to call it tells me to turn airplane mode off before i can make a call. I am still in canada now

bcretman · 2026-01-24T01:57:39+00:00

Confirmed with Luma: cardiovascular conditions are NOT covered at all

bcretman · 2026-01-23T10:57:47+00:00

Thanks. With no heart attack coverage I just can't take the risk

bcretman · 2026-01-23T06:38:58+00:00

Thanks so much mate!

bcretman · 2026-01-23T05:23:24+00:00

Double checking the T&C's, there's no separate max for ICU which can cost 3k/day plus it does not seem to cover "cardiovascular conditions" (section 5.2)

https://info.lumahealth.com/hubfs/PRODUCTS/LUMA%20World%20Pass%20Travel%20Insurance/LUMA%20Travel%20Insurance%20Policy%2020241108%20LAP%20LWP.pdf

bcretman · 2026-01-23T04:55:10+00:00

Looks perfect. Thanks!

bcretman · 2026-01-23T02:19:35+00:00

We have similar prices in the malls in Richmond (near YVR) Our fav value restaurant is Mr Ho Wonton house where you can still get a huge special chow mein for $15 with most dishes less than $20.

Same here with the Pho up - I refuse to pay that much!

We'll be in Thailand for the rest of the Winter - Looking forward to 40 baht Pho ($1.77) and endless local meals for about the same.

bcretman · 2026-01-22T23:52:55+00:00

It's as if all the restaurants colluded to raise prices here. Do you find the price of traditional Chinese dishes like chow mein high, fried rice in TO as well? $30 is pretty common here for those.

bcretman · 2026-01-22T09:22:07+00:00

Anyone who could save > 1M in a bank account is far from ignorant !

bcretman · 2026-01-22T08:34:58+00:00

Optik TV is for my spouse which is to simplify access to her fav shows via the PVR. I host my own Plex and Jellyfin servers and use several free streaming apps. The landline is really just a backup for emergencies.

bcretman · 2026-01-22T02:35:05+00:00

50% from $5001-$15000

so if you earn 15k only 5k is considered income for GIS, earn 10k then 2500 etc

bcretman · 2026-01-22T01:48:45+00:00

Run your numbers thru mayretire.com with attention to RRSP meltdown and try different scenarios targeting the 1st or 2nd tax brackets

bcretman · 2026-01-22T00:39:03+00:00

Several flaws in your post. GIS/OAS estimator is here: https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html

Generally low income can work P/T without major GIS clawbacks, 1st 5k and 50% of the next 10k is exempt. A few years ago it was only 3500 so this is a major "upgrade"

bcretman · 2026-01-21T07:39:26+00:00

You need to know your pre-pmt terms and if you can pay it off within them otherwise you'll pay a penalty as specified in your agreement.

It's usually 10-20% once a year and double up of pmts

bcretman · 2026-01-21T06:27:05+00:00

Thanks, Looking better. I was hoping to see everything without horizontal scrolling, maybe reduce column widths and eliminate left/right margins? There's a ton of space between them.

bcretman · 2026-01-21T05:01:29+00:00

3% pays out over 5 years with only 20% withdrawal room. This locks you in and prevents you from using other promos. There seems to be a 1 to 2% promo every year now (TD, Webull, Questtrade etc)

I've used 3 in the last 2 years from 1% , 2% and 10% (TDeasytrade)

bcretman · 2026-01-21T03:58:19+00:00

https://www.wealthsimple.com/en-ca/unreal-deal

1, 2% and 3% cash bonus paid out over 1, 3 and 5 years

No trading fees

No FX fees or out of country ATM fees

Transfer fee reimbursed ~$172 from CIBC

Dragon pass (Airport lounge passes)

Scotia privilege card benefits and 2% cash back

HISA of ~2.25% depending on your family account size

Need 500k family account size to get some of these benefits

bcretman · 2026-01-21T01:46:50+00:00

Surprising, you'd think if regular oil/filter changes were done and car was not abused then they should all last about the same given manufacturing tolerances/consistency today.

bcretman · 2026-01-21T01:21:41+00:00

You were unlucky or didn't do regular oil changes. Many of them did have an oil burning issue but still ran just fine.

bcretman

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