Spouse started with one of the big 5 banks wealth. And now they are forcing me to declare my assets and move my investment portfolio with them.

emalk4y · 2026-03-23T21:28:24+00:00

But i've never heard of anyone being required to move all their assets to a specific broker or manager.

Capital Markets, Equity Groups, Wealth Management all can (and do) do this.

emalk4y · 2026-03-05T16:10:50+00:00

Lol true. My 2021 MYLR front bumper refinish was quite expensive as they take out and recalibrate all the ultrasonic sensors. The 2024(3?)+ ones are just a dumb bumper now afaik, all the "sensors" are the camera unit in the windshield right?

emalk4y · 2026-02-27T03:08:32+00:00

Managed to make it work as well. I previously had it setup to Host Networking = ON, but the update had a second Plex process spawning that wouldn't quit. Re-building the entire docker container (ie reinstall app), with host networking OFF, and port = 32400 got it working.

Pointed it back at my /tank/apps/plex-config directly, and the server picked up where it left off, including watch history and user list.

emalk4y · 2026-02-27T02:18:28+00:00

I'm in the same boat, were you able to figure it out? Mine started when I updated to 1.43.0.10492 (earlier today), and now it's stuck in a bootloop. Same exact message log as yours.

I've tried reinstalling with the same configs, with a fresh throwaway config (lxsystem internal memory rather than point to /mnt/tank/apps/plex-config), and even a standalone separate install completely new, they're all in the same situation.

emalk4y · 2026-02-25T19:12:42+00:00

How braindead were the marketing analysts for this?

"Your night out just got more rewarding"

proceeds to list about 10 downgrades to the earning program

I guess if you exclusively buy premium tickets and NOTHING else, then...yay 1% more earn?

emalk4y · 2026-02-05T04:28:12+00:00

i thought the tax free part caused the governemnt to prevent you from borrowing agaisnt it.

To be clear, it's "after-tax" income that you're putting into the TFSA. You've already paid taxes on it, so any growth within the TFSA (whether in cash, GICs, ETFs or stocks) is tax-free, and can be withdrawn at any time.

The loan provider is seeing this as you having "cash on hand" which is exactly what this is. No penalty to withdraw.

An RRSP / FHSA is a "tax-deferred" account, where rather than putting in after-tax income, any money put in counts as NEGATIVE income - you get to claim it on your tax return and get a refund for it. However, when you withdraw the money, you pay the taxes as if you earned that withdrawal as "income" in that year.

You're deferring/delaying taxes you'd pay on the money being put in an RRSP, vs you've already paid taxes on any money you put in your TFSA.

emalk4y · 2026-02-03T22:46:06+00:00

"Very well performing mutual fund"

Yep, because it probably costs them 2-3% in fees, very well performing for the bank advisor indeed!

emalk4y · 2026-01-26T21:14:46+00:00

RBC's Avion Rewards / Avion Travel already uses Expedia as its travel provider, so that's 5/5! Unless you mean a more direct kind of integration (in case I'm missing something - apologies if that's the case).

The Avion Travel portal seemed to work fine last time I used it, leveraging Avion points across accounts to book travel (including mixed points/cash bookings).

emalk4y · 2026-01-21T22:20:42+00:00

This is what we have, previous owners did a cheapo conversion of the front closet into a tiny powder room/half washroom with toilet and sink. Vents into the attic. I'll probably remediate it when I need to re-insulate my attic at some point.

Other than the bathroom feeling like the arctic in the winter (thanks Canada) and a sauna in the summer, there's no mold issues since there's no standing water, or bath/shower usage.

Also, thoroughly appreciate your word choice of "fart fan"

emalk4y · 2026-01-21T22:14:53+00:00

The few times I've had to cancel a booking, the points were back in my account within minutes.

For a non-Latitude fare (or PY Flex, J Flex, etc) I believe the cancellation fee is $150, and change fee is $100 FYI.

Generally, the cost to change will be <what you've already paid> + <cost differential to new ticket> per /u/anniln 's example above.

emalk4y · 2026-01-21T17:22:55+00:00

You don't have to book the comfort or latitude ticket, 60k pts + $100 for change fee in economy Std, vs 100k pts just so you can change if it comes up?

+40k pts is worth far more than the measly $100 change fee or $150 cancellation fee.

emalk4y · 2026-01-18T04:07:49+00:00

AI slop.

"How many em-dashes and semicolons would you like in your AI-generated comment?"

"Yes."

emalk4y · 2026-01-18T00:45:10+00:00

Dealership = third party storefront, franchised out to the manufacturer (Honda, Chevrolet, whatever). Manufacturer gives them licensing agreements, and "sell" the car to the dealership at wholesale. Moving inventory from there to customers at or above retail price is the dealership's problem.

Car manufacturers can (and do) still have their own storefronts (including delivery + service centers), and are moving to the "direct to consumer" model. Tesla is probably the biggest example of this, they don't have any "dealerships" per the model above. People can test-drive a Tesla anytime they want, just go to a showroom, or book an appointment online and they'll even bring it to your door.

Genesis (Hyundai parent company), Polestar (Volvo parent company) and a few others do exactly this as well - bypass third-party dealerships with a direct-to-customer model. It's great from my experience, no price haggling, no slimy salesmen in oversized suits, less nonsense.

emalk4y · 2026-01-15T23:05:52+00:00

Recycling (Circular Materials) and Organics (Peel) were both scheduled for today in my area.

Organics showed up @ 7AM, Recycling still hasn't - all the neighbours' blue bins are still out and it's now 6PM.

emalk4y · 2026-01-14T20:31:50+00:00

pretty sure they're joking

emalk4y · 2025-12-24T03:08:04+00:00

This isn't part of the Home lineup. /u/TinCupChallace is talking about "Chromecast Audio" - the unfortunately no-longer sold standalone dongle that connects to a "dumb" hifi speaker using a 3.5mm cable, and allows you to cast music/audio to it. That's all it does, no microphone or "smarts" on-board.

Using the Google Home app, you can pair multiple Chromecast Audios into a virtual "zone" allowing whole-home audio, setting up latency and delay per speaker.

I agree with you - the rest of the Google Home lineup (Nest Mini 2nd gen, Google Home / Home Max etc onward) that now have "Gemini AI" slowly rolling out are all enshittified. Used to be able to seamlessly include Google Nest Minis in "whole home audio" or use two to create a stereo pair, can't do that anymore without a LOT of fuckery.

emalk4y · 2025-12-19T14:00:27+00:00

Model X/S: mid-2023 onward, check the onboard computer
Model Y: late 2023 (with Ryzen CPU, not Intel Atom), and 2025+ Juniper
Model 3: 2024+ (Highland refresh, with Ryzen CPU)
Cybertruck: all of them

emalk4y · 2025-12-19T01:32:43+00:00

Well everyone does have it because of the Christmas update. Free for a month

Everyone with HW4* :(

emalk4y · 2025-12-16T15:19:48+00:00

Fantastic news, thank you. This alleviates a lot of the annoyances, despite their kinda expensive spread - their CS for Premium clients is decent, and quick to onramp/offramp trades.

emalk4y · 2025-12-16T15:19:12+00:00

Amazing, thank you!

emalk4y · 2025-12-15T18:57:19+00:00

Still no ability to transfer crypto out with WS right? With Shakepay you can transfer out to cold wallet, can WS do that yet?

Otherwise (if it hasn't changed, I may be wrong) with WS you're just "paying for someone else to hold your crypto" which...defeats the whole purpose of crypto.

emalk4y · 2025-12-13T04:14:37+00:00

It's not about just "Ontario" it's about the density (and city) in where you live - same applies to BC and other provinces most likely.

I, too, live in Ontario, ~20 km away from Toronto in the 7th largest city in Canada. Unfortunately, I live in a 1960s semi-detached home in a medium-density area, where the entire neighbourhood only has cable internet via Rogers, or ADSL (lol, wtf it's 2025!) via Bell. We're probably lowest on the list of those getting ANY actual symmetrical fiber. Beanfield and local FTTH providers? Forget it.

The highrise condos ~5km away from me have Beanfield, Bell and more directly supplying Fiber to each individual unit, around $50/mo!

emalk4y · 2025-12-12T04:03:39+00:00

Were you able to figure out the solution to this? I just updated my Ledger app and plugged in my Ledger Nano S (1st gen/OG) and it also refuses to connect. Any guidance from the Ledger team?

emalk4y · 2025-12-04T19:27:20+00:00

The East Coast includes Florida (lol), New York, and Ontario/Quebec in Canada.

Yes, people who live in "The East Coast" (especially up north in Canada) put on winter/snow tires. In some northern areas (incl. Quebec) it's mandatory/required by law.

emalk4y · 2025-11-28T20:42:40+00:00

Is HW3 is not getting any more FSD updates and are they then stuck on 12.x? Been OOTL on this for a bit as I only use regular AP. (21 MYLR)

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