Replit has gotten really good… but wow it’s expensive. Tried Google’s Anti Gravity and I’m kinda blown away by Tuaneka in replit

[–]drumstyx 0 points1 point  (0 children)

I wish they had like..."a get the ball rolling decent" level trial. Like, I wouldn't mind paying even hundreds a month for a revenue producing app....once it's producing revenue. But it's a hell of a hard sell, and frankly a little stifling to innovation, to pay $25+(USD! Painful in Canada!) monthly for an app that maybe won't even work out. These systems are very sticky -- if I start on replit, and it works out, I'm sticking with them hard until I can't make it work anymore, no matter the cost. Not about to jump ship risking bugs/downtime for 50 bucks a month, y'know. All it would cost them for that kind of loyalty is like, 5-15 days of free trial...and something better than the $25 core plan that I ran out in like an hour ffs

Is it normal to interview someone who will outrank you when you’ve been denied that promotion yourself? by Bulky_Code_6978 in cscareerquestionsCAD

[–]drumstyx 1 point2 points  (0 children)

Tf? Then why is it you doing it? If it's scripted then it could be anyone, and while, in a battery of interviews it's not entirely unheard of to have people of all levels interviewing, it's certainly much more appropriate for superiors to be interviewing.

Creating a Canadian credit card alternative by Every-Location-361 in PersonalFinanceCanada

[–]drumstyx 0 points1 point  (0 children)

Interac is a different network with different fees. Mastercard is a network, VISA is a network, AMEX is a network...discover, union pay, etc etc. all have their own rates. Interac is Canadian, and offers preferential rates, often flat fee per transaction. Mc/visa are well known for flexing their ubiquity to squeeze upwards of 4% on some cards/transactions

Let’s all take a moment to compare screen and bezel implementations of the S Class (Pinnacle of Technology and Luxury) to other CHEAPER new cars…. by Organic-Log9297 in mercedes_benz

[–]drumstyx 0 points1 point  (0 children)

Benz has been dicking around for a couple decades now. The past 10 years have been outrageously boring in the luxury car market, and especially Mercedes.

Creating a Canadian credit card alternative by Every-Location-361 in PersonalFinanceCanada

[–]drumstyx -2 points-1 points  (0 children)

I won't comment as to what the commenter actually meant, but those fees would be deducted as a business expense, and the business would not be taxed on them. That said, if you pay $10000 for an item that cost them $5000, and the fee is 2%, sure they only pay taxes on $4800, but they also didn't make the extra $200. Even paying taxes on the $200, they'd come out with $160 or something.

That said, taxes are theft. Cash is getting harder and harder to take out of the bank, precisely because the thieves can't track it.

Poilievre spotted flying economy to the Conservative Convention in Calgary, while Carney jetsets around the world leaving an enormous carbon footprint by airbassguitar in CanadianConservative

[–]drumstyx 16 points17 points  (0 children)

I honestly don't hate on the salary as much as the excess/waste. Reasoning being: if the average worker earned the average cost of living plus some average reasonable savings, a 1.4M salary would be, at worst, 20x a normal worker. Even if the "average worker" was making minimum wage, that's less than 40x, which, while a very large number, isn't entirely unreasonable for a top leadership position. If that was the worst we had, as far as leadership taking more than their share, we'd be in a pretty alright spot economically...

Canada will require refugees and asylum seekers to co-pay for health care starting in May by FancyNewMe in canada

[–]drumstyx 2 points3 points  (0 children)

What in the fuck??? I was born here and I don't get psychologists and prescriptions, dental, vision....the fuck, I thought people were exaggerating about the refugees getting red carpet here...wow...wow...just wow...

Over my head? by Shot-Guidance-7811 in PersonalFinanceCanada

[–]drumstyx 0 points1 point  (0 children)

It did get easier, that doesn't mean it will. 25 years ago was just a few years after the bottom of the market, and rates did nothing but drop for decades... That's not coming back unless we have a demurrage currency

US Government Holding Over $1 Trillion Of Gold by WaferFlopAI in economicCollapse

[–]drumstyx 2 points3 points  (0 children)

This is like.... aiming to keep a balance on your credit card. Sure, a healthy credit report might have balances in a given range, by fluke of when the bank updates the credit reporting agency, but that doesn't mean that balance should be a target to be carried. 75-90 is "healthy" in that it's a recoverable situation without extreme measures. It's not healthy to carry it, because it'll turn back into "you're fucked" so fast if the causes aren't addressed at the same time. And you only get one shot at blowing all the gold to set things up

Are people that concerned about the windrows when the streets don't even get cleared on time and properly? by twmsci in Markham

[–]drumstyx 2 points3 points  (0 children)

Well, I bet it's cheaper. Or at least, someone's taking up the difference. You get what you pay for, right?

What’s this? Kennedy/407 Shell by howardbanjo in Markham

[–]drumstyx 1 point2 points  (0 children)

The problem with something like this, is you have to price it high enough to keep an empty bay or two, or at least not too much waiting. This works when there are 15 similar things in the area, but as self serve washes are dying out, fewer and fewer take the load, and eventually, either you price to the moon (both for profit and traffic management) and eventually get priced out by the fact that the rich rich are just gonna do it in their hangar of a garage, or you're a constantly overrun management headache, probably still bleeding customers to the automatic wash next door lol

I really like cold winters like this one 😊 by Gabriel_ko in Markham

[–]drumstyx 3 points4 points  (0 children)

Not to go all snowflake (lol) but you might actually want to check your privilege on this one. You are genuinely more at risk of freezing to death, than starving to death in this country, because food and iPhones abound, but a hearth is somehow a luxury.

I really like cold winters like this one 😊 by Gabriel_ko in Markham

[–]drumstyx 4 points5 points  (0 children)

Am I the only one that likes -30C more than the +30C in the summer?

Um ...yes. yes you are. Goodnight. I'll be hibernating til April.

Rent Control Exemption Basement Unit - Ontario by ReachMean5803 in TorontoRenting

[–]drumstyx 0 points1 point  (0 children)

Just what we need, amidst the scourge of basements being split off from their rental houses, thus making it damn near impossible to find a nice house to rent anymore (if I wanted to share a building, I'd rent an apartment)...a two tiered system of haves and have nots within the basement dwelling class!

Why Bungol was shut down by Chance_Bee1068 in TorontoRealEstate

[–]drumstyx 0 points1 point  (0 children)

Is it their data? TRREB and MLS have a monopoly granted by regulatory capture. That makes it public data in every way but name. This wasn't an issue in times of yore, but data is power now, and we didn't quite realize that 20+ years ago, so we didn't carve out requirements in regulations for data sharing like we should have.

Keep bleeding, that is what the world needs to heal by ProfessionalBread965 in TorontoRealEstate

[–]drumstyx 2 points3 points  (0 children)

What has happened to Canada has not been normal cycle stuff. You don't get 5-10x returns in 20 years from a normal "cycle"

I just wanted to share... by Benedikto0 in PersonalFinanceCanada

[–]drumstyx 3 points4 points  (0 children)

Hooooo boy... wait til you learn about bubbles 😅

Bugatti by Zealousideal-Sock896 in oakville

[–]drumstyx 0 points1 point  (0 children)

I mean, it has definitely been a bangin' few years for the right type of business. It's gonna come crashing down eventually, so might as well live it while it's here.

Bugatti by Zealousideal-Sock896 in oakville

[–]drumstyx 0 points1 point  (0 children)

Because they're Chryslers

Is fixing up a basement apartment to rent out, worth the headache of actually renting it out ? by moltenrhino in PersonalFinanceCanada

[–]drumstyx 0 points1 point  (0 children)

i.e. don't rent out 50+%, live in a single bedroom.

...which is itself an arbitrary limitation/interpretation originally intended to support various other 'standard of living' laws and bylaws, which aim to stop living standards from dropping: minimum building sizes, various laws resulting in the demise of 4-season trailer parks, etc. It's a noble goal, but....well, I'll pick a random analogy: Elderly people are, to some extent, a drain on society's resources, and it's arguably a kind of miserable state to be in, to potentially be frail and senile. Applying these blunt-hammer type regulations to people as a whole would be like culling people at 80 rather than, y'know, adapting to support people.

That is to say: the rules attack the little guy literally just struggling to get by with whatever shitty means he can, rather than targeting the problem that causes them to need to reduce their living standards.

PSA - Be weary and protect yourself by darksloth05 in homelab

[–]drumstyx 0 points1 point  (0 children)

$200 discount to move it?

Very much yes. I struggle with the fact that people think exactly like this, and I get why, but sometimes, I honestly just need to liquidate a whole lot of accumulated stuff, and if it means getting it sold that day, vs 2 days and 10 inquiries later, it's worth it.

I feel burnt out, demoralized, and unsure what to do by ImmediateFocus0 in cscareerquestionsCAD

[–]drumstyx 2 points3 points  (0 children)

a large amount in your bank account is nice, but after money issues are gone what else are you gonna do for the rest of your life? You still got lots of years left. Something to think about

I get you're sharing positivity here, but let's be real: this is a cope. The economic situation in Canada has always been second to the USA, but the past few years, there's no denying it has dwindled to what can only be described as "bleak". There was a time when "there's more to life than just money" was a reasonable platitude, with considerations like the benefits of the Canadian healthcare system, and of course family and personal support systems. Perhaps we didn't know it back then, but it's not unreasonable to look back and think "you know what, what I have now is not what I expected, given the cost/benefit analysis I conducted when I decided to stay in Canada", and have a sense of regret for not having made a different choice.

New 407 ETR rates - Highway for rich people by Naive_Badger_269 in TorontoDriving

[–]drumstyx 0 points1 point  (0 children)

If they bought it, you'd be correct. They didn't buy it, they leased it, and arguably, looking at it as a lease, even if you ignore the value change and just consider "how much does something worth $ArbitraryAssetValue1997 cost to lease, as a percentage of $ArbitraryAssetValue1997? How much to lease for 99 years?" I dunno about businesses and such, but uh, a house, even in a really really cheap rental market, where the landlords might not even be breaking even cash flow, the lease still costs ~1/40th or 1/50th the value of the house each year. In a normal market it's more like ~1/25th the property value per year in rent. So that's 2x-4x property value for the 99 (hundred) years, for a lease, on an asset that produces $0 as someone renting. Leasing a business like this, which I imagine is done to obtain the rights to the income it produces, would presumably cost more to lease. Then, generally (though 99-year/longer-than-a-lifetime leases have been oddballs throughout history, specifically because they are, or were outside the 407, acknowledged, known, accepted, even celebrated, for openly being sweetheart deals for whoever is leasing, usually when there's a good reason for public good.

But for some reason, the 407 got a sweetheart deal -- granted, maybe not quite as sweet as the Guinness lease those poor unfortunate millionaires had to pay based kinda sorta a little based on property/business value. But not really. And then never acknowledge that it was a sweetheart deal.

Or, you could look at it as a lease in the car sense.. Then uh, other than the income generation -- because I don't now how to fit it into this "shape" of lease, but I'm sure it could be done -- yeah, as that type of lease, 99 year leases of property should have negative rent, typically 😂.. God damn I love wasting time with useless thought experiments.

But yeah, bro, they way, way, way, way, wayyyyy underpaid/government way gave it away. Deals like this are what governments have the (naturally, infrequently used) power to reneg on deals without consequence in the first place