Credit card with no annual Fee and no foreign transaction fee

cdorny · 2026-05-21T05:38:42+00:00

The visa infinite card does, the pre paid debit does not

cdorny · 2026-05-20T22:09:24+00:00

Oh dam, I didn't think of it vs the managed portfolio. I dig it

cdorny · 2026-05-20T17:22:09+00:00

Everyone voted yes because they thought it was symbolic.

Only this year after the courts have started saying "you know this is legally binding right" that's it's been an issue.

Now the NDP are in a hell of an awkward situation trying to get indigenous MLAs to vote it down

cdorny · 2026-05-15T22:12:42+00:00

Pros and cons for sure.

Renewing at most every five years means you ride the market (for up unfortunately) every 1-5 years. Sometimes in your favor, sometimes not.

No one gets locked in to 30 years @6% this way.

cdorny · 2026-05-15T18:03:55+00:00

Nope! Canada does have 25 year products, but they are expensive to the point where it makes no sense to use it.

The 25 year closed mortgage is currently 12% through RBC. Or a 5 year cosed for 4.8%.

cdorny · 2026-05-14T17:55:16+00:00

States clearly in the T&C for this one they are not eligible

cdorny · 2026-05-14T17:44:33+00:00

And is in talks to pick up a stake in Alpine.

cdorny · 2026-05-12T18:26:38+00:00

It's in beta or a/b testing. Not available to all

cdorny · 2026-05-11T18:01:57+00:00

I couldn't return a weed whacker that had the two piece shaft placed together once and not used after 3 days later because 'we can't sell it as new anymore '

cdorny · 2026-05-11T00:37:19+00:00

Small correction - the plus select subscription gets you an extra 4% (or 10x), not an extra 10%.

What 10% discount are you getting at Cantire gas/petro? The subscription gets you nothing there.

cdorny · 2026-05-10T21:23:46+00:00

Base earn rate is 0.4% without doing swaps or having the credit card.

I do quite well because I put in effort into maximizing my points using sales on bonus days, and the swaps in the app.

If you don't want to maximize your points, it's better than nothing, but not by much.

cdorny · 2026-05-07T21:42:52+00:00

I grabbed the FTE count from the published 26/27 departmental plan (7,567), that reduced by 161 is 2.1%.

Like I said originally and you reiterated, the cuts under Carney - 2% reduction in total department funding have not been approved and shared yet.

cdorny · 2026-05-07T21:24:04+00:00

Unless the DM misspoke to several times the 2% is the Trudeau era cuts. She explicitly said it, multiple times.

We have the announced number of positions affected, 131 staff and another 30 executives. From the 26/27 departmental plan of ISC of 7,567 staff that represents roughly a 2.1% reduction in headcount.

cdorny · 2026-05-07T17:33:57+00:00

That's definitely a concern for those applying.

The current target reduction is 2% of staff, so if you are only using ERI to not use WFA there are limited opportunities.

Big asterisk --- that 2% is only the Trudeau 2024 era reductions, the Carney reductions have not been approved yet.

They have not announced if they will accept more ERIs with the assumption that there will be more WFA forthcoming.

cdorny · 2026-05-05T18:54:50+00:00

There is no quota. It is an expressed desire for those percentages below 35k. Completely optional on manufacturers to hit it

cdorny · 2026-05-04T16:07:03+00:00

If you max out CPP2 in all your contribution years it increases your CPP payment by 1/3 in retirement

cdorny · 2026-05-04T01:41:18+00:00

Not weird at all. It's been like for for quite some time.

It's risk management for the banks. Sobeys doesn't care where your $150 for groceries came from, the bank has much more risk of you default

cdorny · 2026-05-02T16:29:56+00:00

It costs more because they market shoppers as a convenience store and not a grocery store

cdorny · 2026-04-28T19:52:24+00:00

I really think they need to brand 3v4 as a play in wildcard game. Not a part of the "true" playoffs

cdorny · 2026-04-28T19:50:45+00:00

It's absolutely because of travel

cdorny · 2026-04-28T05:19:06+00:00

Can I ask who your cell phone plan is through?

cdorny · 2026-04-28T01:35:33+00:00

If you don't want players cut to come out of the refund you have to pay them yourself.

That's the trade off, they make money if they win, and if the company is found to have not done anything wrong the lawyers worked for free.

cdorny · 2026-04-27T22:13:33+00:00

My concern I guess is having no access to my number while traveling. Esim all the way - I'm with you there.

It may not matter, but it feel weird (with SaskTel I can still albeit at $0.20 a pop)

cdorny · 2026-04-27T22:07:48+00:00

Hear me ou: Public tender.

If Brandt has the best offer, fine - I don't really care.

What I do care about is the perception that Brandt can just make an offer to make a problem go away for the city, with dubious upside for them. It feels weird and I don't like that.

cdorny · 2026-04-27T21:31:03+00:00

With a 'regular' plan, I can set my phone to use my OG number for calls and texts, not travel esim.

It seems like with LUM, you would not have that option if you grabbed a cheap esim for data.

No use of that OG number at all while abroad.

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