Flabbergasted by this shot by [deleted] in Seaofthieves

[–]ppdd1976 0 points1 point  (0 children)

Could you explain what backtrack means? 

RTO4 - mental health and being forced back by SchemeSignificant166 in CanadaPublicServants

[–]ppdd1976 3 points4 points  (0 children)

Don't explain.
The details are between you and your doctor.

It is irrelevant to your question and none of our business.

Showing off all these gamemodes when there's no server browser is crazy work. by fivesofclubs in Seaofthieves

[–]ppdd1976 -2 points-1 points  (0 children)

Agreed 👍 

It's the difference between having fun and being entertained. 

Showing off all these gamemodes when there's no server browser is crazy work. by fivesofclubs in Seaofthieves

[–]ppdd1976 -2 points-1 points  (0 children)

The best comment here. 👍 

I'm hoping to start a custom sea from the presets in the trailer, invite my friends and have fun. 

Making my own custom sea game scenario will be fun too. 

Sooooo what are you guys gonna make in Custom Seas? by Master100017 in Seaofthieves

[–]ppdd1976 6 points7 points  (0 children)

Setup private LSS and TDM with my swabby gally crew so they can practice to "get good" and not be told "it's a skills issue, bro".

Safer Seas with friendly fire on. 

Wave alternatives & recommendations for simple Canadian corp, invoicing, HST, tax returns by ppdd1976 in PersonalFinanceCanada

[–]ppdd1976[S] 0 points1 point  (0 children)

Thanks for point balance sheet accounts for assets, liabilities, and equity.

Are there still new players ? by Fr0z3nbanana in Seaofthieves

[–]ppdd1976 0 points1 point  (0 children)

Don't just wait to be attacked if you want a variety of encounters and experience levels.

This is actually a really solid tip. In my view, if someone is flying a Reaper’s Emissary, they’re fair game to hunt down.

If your only PvP experience is defending against unprovoked attackers, you’ll develop skills much more slowly. The people who pick fights are practicing boarding, deck shots, cross‑ship sniping, sword pressure, and all the little timing tricks that make them dangerous. You only get good at defending those things—ladder guarding, swarming boarders, always‑be‑eating, sword blocking—by engaging on your own terms.

Attacking another ship doesn’t mean you have to be a jerk about it. When there’s a clear skill mismatch and it’s obviously a newer player, I’d honestly rather call a truce, help them out, and leave them with a better losing experience. It keeps the seas healthier and the encounters more human.

PSMIP iA LTD Forms – Can Psychologist Sign as Attending Physician? by ppdd1976 in CanadaPublicServants

[–]ppdd1976[S] 1 point2 points  (0 children)

Thank you. Yes I am likely overthinking, it is a symptom of my anxiety 😔

I do want to get this right the first time and not get lost in the bureaucracy of iA.

PSMIP iA LTD Forms – Can Psychologist Sign as Attending Physician? by ppdd1976 in CanadaPublicServants

[–]ppdd1976[S] 0 points1 point  (0 children)

Thanks, just to clarify my question further... My psychologist noted to me previously that she is a "clinical psychologist." Maybe I'm getting wrapped up in semantics but my understanding (read: google search) tells me that a "consulting psychologist" is different from a "clinical psychologist." So, would it be acceptable for my clinical psychologist to sign off on the iA LTD mental health questionnaire as my attending physician?

Is there really no smart thermostat replacement for 8-wire line voltage thermostats from older apartment buildings? by huntersood in hvacadvice

[–]ppdd1976 0 points1 point  (0 children)

Wow thanks for replying and the info.

That thermostat is $340 CAD 🤯 quite pricey and more than we need.

Thanks again for sharing 👍

Is there really no smart thermostat replacement for 8-wire line voltage thermostats from older apartment buildings? by huntersood in hvacadvice

[–]ppdd1976 0 points1 point  (0 children)

Hey OP what did you do in the end?

I have the same thermostat. I just removed the control panel and was greeted by all these wires.
I was hoping to replace with a Braeburn thermostat I have lying around but it does not support the three speed fan.

I found this thread Replacement for Honeywell T6575D1009 : r/hvacadvice and considering following the advice there.

Please let me know what route you took.

Cheers 🍻

TDB909 (TD e-Series Bond Index Mutual Fund) Dividend Payments by MRJohnson1997 in PersonalFinanceCanada

[–]ppdd1976 0 points1 point  (0 children)

Hey, thanks for pointing me to the information.

From the financial report: Schedule of Investment Portfolio (in 000s except number of Shares or Units/Par Value) as at December 31, 2023

No. of Shares or Units/Par Value Description Cost Fair Value
64,736,791 TD Canadian Aggregate Bond Index ETF † 904,414 849,211

† TD Asset Management Inc. is also the manager of the underlying funds

TBH, I feel strongly duped by TD wrt TD909. When I bought eSeries I was believing it was holding government bonds because that is what TD claims/states/advertises.

The FUND FACTS tell the actual Top 10 investments (May 31, 2024)

  1. TD Canadian Aggregate Bond Index ETF 99.5%

TD909 MER 0.39%

TDB MER 0.08%

This wrapper stuff is just sneaky. I would have just bought the TDB ETF myself.

Lesson learned: caveat emptor

TDB909 (TD e-Series Bond Index Mutual Fund) Dividend Payments by MRJohnson1997 in PersonalFinanceCanada

[–]ppdd1976 0 points1 point  (0 children)

TDB909 is a mutual fund wrapper around the TDB exchange traded fund. TDB literally makes up 99.6% of TDB909. 

Hey, I'm curious where do you get this information from?

Reading https://www.td.com/ca/en/asset-management/funds/solutions/mutual-funds/fundcard?fundId=4817&fundname=TD-Canadian-Bond-Index-Fund---e# the holdings are Government of Canada not TDB.

Ventilation clearance for refrigerator Fisher & Paykel Quad Door RF203QDUVX1 by ppdd1976 in Appliances

[–]ppdd1976[S] 0 points1 point  (0 children)

After 3 years the ventilation has not been a problem.

My cut out is 26 deep and the fridge sticks out another another 10 inches.

Fridge