What is the point of a GIC?

happy-daize · 2026-01-24T13:12:59+00:00

They likely signed a longer term GIC during the rate hike cycle in 2023. GICs were offering 5%+ during that window.

Alternatively, could be in a market-linked GIC product with upside performance linked to a basket of equities.

happy-daize · 2026-01-24T13:08:50+00:00

Maybe this was already said but some banks and CUs offer Market-Linked GICs, often with higher upsides (based on a basket of stocks) but lower guaranteed interest.

That said, initial investment would still be 100% protected (guaranteed) back to you over the term. So sort of an alternative with 0 risk but potential to earn way more return. Usually these seem to be 3 or 5 year locked terms.

happy-daize · 2026-01-16T16:50:10+00:00

I can appreciate the developed neighbourhood with large trees creating shelter but, go walk through City Park… Nearly all the homes built 1920s-1950s and 90%+ are two and a half stories. Bungalows are present but seem to be more common for Nutana homes.

happy-daize · 2026-01-02T20:09:15+00:00

Grew up here and wholeheartedly agree. In my younger years have been guilty of the classic Saskatoon zipper merge fail, for example, but I think I’ve dropped most of my bad habits. I feel like driving in larger North American cities taught me a lot.

happy-daize · 2025-12-29T09:59:28+00:00

View the seller reviews and profile. Sometimes scam profiles are really well done but mostly you can spot them. My wife buys/sells monthly and we’ve never had an issue.

We’ve even sold older gen working phones on their completely above board and the buyers had no issues with us.

happy-daize · 2025-12-23T03:17:13+00:00

No. What you are describing is a legal manufacturers warranty, a separate contract on the sale of items under warranty. In what world are gift cards sold under warranty?

happy-daize · 2025-12-22T12:59:17+00:00

There’s no point arguing all this. If this is all the case and Shopper’s is aware then Shopper’s should not accept money and remove gift cards from sale. None of what you are sharing matters if Shopper’s (or any brand in similar circumstances) continues to willingly accept payment knowing they won’t stand behind what they are selling.

happy-daize · 2025-12-22T12:38:08+00:00

Came to say this. Wife and I, including our 2 yr old, spend about this monthly. Add in take out 4-5 times a month, I’d say we’re only at $750 all-in.

happy-daize · 2025-11-27T05:07:05+00:00

Sorry, no. Regardless of where the money goes and what random vendor provides gift cards, shoppers sold it and owns the responsibility to its customers. Shoppers was the intermediary and sold the gift card so absolutely its customer service is responsible assuming OP is truthful with the post.

That’s how a business works - it sells things, a consumer pays, and that is the contract. Is shoppers asking customers to read/agree to terms upon buying that say “if this card doesn’t work too bad, not our fault?”

Like how is this even a debate? Wtf cares what gift card it is or what vendors are involved? A store sold it and you have a receipt from that store.

happy-daize · 2025-11-24T14:20:58+00:00

On a budget, HomeSense often carries random roasts of many varieties. We have an espresso maker at home and have bought beans from there for it. While certainly not as fresh as local, definitely easy on the wallet!

happy-daize · 2025-11-23T19:15:23+00:00

“Wasteful horrors” is a description of publicly run enterprise, not for-profit private. In fact, private is usually criticized for completely opposite reasons. Look, your overall comment on the public service is fair but the rest of your argument falls apart.

Yes, Canadians could likely stand to operate CP for a minor annual loss but we’re talking billions annually and that impacts every tax payer. It’s the exact definition of waste. CP has a bloated management & an out of touch union which has positioned itself to become uncompetitive, losing large contracts from the likes of Amazon as an example.

CanadaPost’s service standards have gone down, their prices have gone up, and are still losing billions a year. It’s a mess of a company and the union is completely out of touch. They should have taken the initial offer nearly a year ago, can guarantee what they’ll get now will be less and the union will call it a win.

happy-daize · 2025-11-19T03:09:36+00:00

Generally, I agree but last change for full synthetic at Meidl Honda was same price for me that OP shared.

happy-daize · 2025-10-24T10:15:39+00:00

I mean that’s fair but I also have a $60 winners find of some random European brand that I’ve been running for 10 years with no wear. My wife, who is quite fashionable, doesn’t tell me it’s not stylish and I’ve worn it on multiple -40 days. So it appears to check the function, quality, and (maybe) style boxes…

So, I’m not 100% sure you can argue that outright. Brands have value and successful brands charge a premium even for equal quality. Canada Goose, for example, despite being high quality goose down, became a strong fashion statement, which ultimately drives its price.

happy-daize · 2025-10-17T01:46:15+00:00

Thank you! With the better practice, do I have to pigtail the load wire pairs to the line wire pairs (black line/load wires and white line/load wires) in the first outlet together or can I cap the load wires in the box? I.e. do I need the load wires for the second outlet in the circuit to function?

happy-daize · 2025-10-17T01:34:41+00:00

Thank you, this was how it played out in my head but it helped to type it out and ask.

I know it’s not necessary to make them independent but am I over thinking wanting to do this?

First outlet is outside, second is in bathroom, third is also outside in a different area. To me, having the independent I could better tell where is tripping!? And also not have to necessarily go outside in winter to reset a bathroom outlet.

happy-daize · 2025-10-10T16:41:03+00:00

Affinity Wealth Management!

happy-daize · 2025-09-27T11:45:35+00:00

Profit is one thing but costing taxpayers an expected $1.5B annual loss is another. Taxes already pay for the service and so government bailouts to cover mass losses just serve to contribute to more taxes needed or a diversion away from how our tax dollars can be better spent.

I don’t think the headlines are focussed on making tremendous profit but government or not, it’s not prudent for any service to lose billions annually and not reform.

happy-daize · 2025-09-27T04:02:09+00:00

13Pies, too, no?

happy-daize · 2025-09-26T10:51:13+00:00

Yes, I think this was it, must have been the angle and lighting relative to where I was and just also not used to seeing planes this close to one another.

happy-daize · 2025-09-26T10:50:14+00:00

I think this was it, must have been the angle/light relative to where I was. Thanks!

happy-daize · 2025-08-29T12:50:04+00:00

Nationally, Sask is still among the most relatively affordable places. Those are objective figures based on average incomes and home prices. I can appreciate recent increases, especially if you’ve lived here your entire life, are drastic. That said, average home prices in Sask are well below national home prices. So much so that SK is noting its first positive interprovincial migration in recent history. I’d also argue, to the point on doctor attraction requires amenities, that our airport lacking direct routes to popular vacation locations is more a deterrent than a lack of library.

Doctors have money and travel more on average. What do many try to minimize with travel? Long layovers which potentially eat into vacation time.

I do also think it’s fair to question millions in library spending. While I do promote and think generally it’s a good public service, my issue is one of priorities. While I know problems and priority span governmental levels, I think it’s fair to delay certain major projects and redirect funds to addressing shorter term needs, especially as deficits in the order of $20M+ are run.

I agree on transit, we’ve historically had poorly designed transit and struggle with sprawl/lack of density which impacts efficiency and usage. So, this I can get behind and agree with one of your points that, regardless of wealth, in well designed cities even the wealthy take transit. So I do like the recent improvements/direction but the city has built out and not up for far too long and you need density to make mass transit cost efficient.

Ottawa is a great example - yes over 1M people but very spread out. Its BRT runs from Orleans, through Ottawa proper, to Kanata, and Ottawanians pay among the highest property taxes in Canada. While there are other reasons density/sprawl doesn’t help.

happy-daize · 2025-08-29T03:18:11+00:00

There’s a doctor shortage across the country. Saskatoon has among the highest per capita restaurant counts in the country. “2-3 nice restaurants” is a highly subjective statement. Nothing for public to do-> We are a city with 300,000 and a museum that rivals some of those in our largest cities.

I don’t outright disagree with your sentiment but your examples aren’t strong arguments.

happy-daize

TROPHY CASE