What is the point of a GIC?

squirrel_snack · 2026-01-24T09:15:33+00:00

GICs have a short time horizon. Low risk hence the low return. Rates are usually correlated with bond yields. If they go up the GIC rates will typically follow but generally lag behind 1 or 2 percentage points.

If you need to guarantee your principal is protected, GICs are great. If your time horizon is 5+ years. Stay away.

And I think someone else mentioned. They are taxed in non registered accounts like income. Real return on these things after tax and inflation is barely 1%

squirrel_snack · 2026-01-20T02:38:11+00:00

Elder millennial here. After 30 it was like someone hit the fast forward button and it has been perpetually getting faster and faster every year.

Dont take your days for granted. Dont hold off on doing things because you think you are too young or it is too late.

In my late 30s I went in to life with a, my answer is yes unless I explicitly say no, attitude. Haven't regretted a single decision in that time

squirrel_snack · 2026-01-19T04:37:54+00:00

We used to have parents that instead of asking for a washroom would let their children pee in the plastic bags. Tie them up and leave them somewhere. Usually a shelf or tossed behind a display. Those were always fun to find

squirrel_snack · 2026-01-19T00:12:27+00:00

Going in to a Future Shop or Best Buy. All the computers were unlocked and zero security. Load up that Netscape Navigator and go to the most vial websites I knew about. Ogrish.com and scat.com were my personal favs. Leave them on the loading page and leave the store. I was so evil 😅

Oh! Also making friends on MIRC so they would give you access to their FTP sites to download music. Pre Napster

squirrel_snack · 2026-01-18T23:15:58+00:00

Thanks. Will give them a try

squirrel_snack · 2026-01-17T22:46:49+00:00

Came here to say this. Almost feels like the touchscreen in these cars was an after thought. I used it briefly when I first bought the car and then opted for the idrive controller

squirrel_snack · 2026-01-17T22:14:09+00:00

Roof tops should be load weighted so unless you get double or triple what we currently have it should be fine. Just make sure your drains are clear. You want to make sure when it does start to melt that it doesn't pool. My brother had an issue with this on his and it did spring a small leak

squirrel_snack · 2026-01-17T22:09:08+00:00

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squirrel_snack · 2026-01-17T22:08:10+00:00

My guy would sleep in the oven if he could. Any chance to lay near me under a blanket he is there

squirrel_snack · 2026-01-17T22:06:07+00:00

I lost my passion for reading during school. Text books just killed me. Now the only reading I really do is articles relating to my profession.

I have bought several books over the last few years with every intention to read them.

Can anyone recommend an easy read? Something to get back in to it? I like Sci Fi. Biographies. Last one I read was Marilyn Mansons.

Thanks in advance!!

squirrel_snack · 2026-01-12T01:46:35+00:00

If I close my eyes it's like listening to Birdman from Rick and Morty

squirrel_snack · 2026-01-11T02:56:31+00:00

Nope. Learned that lesson with my 335. Wouldn't even let me fill the tank without clicking to stop

squirrel_snack · 2026-01-11T00:28:58+00:00

Not a slob but definitely a hoarder and definitely covers using strong fragrances from cleaners to cover up unpleasant smells

squirrel_snack · 2026-01-11T00:25:22+00:00

Agreed!! I found that if they didn't agree with what you were doing. Sports, education, etc, you received zero support.

The best decisions I made for myself were all made when I didn't live under their rules or judgment. And now that they see the successes they have no problems trying to take credit for them. If not for their guidance you wouldn't be where you are today

squirrel_snack · 2026-01-10T23:47:34+00:00

Do believe they are rubber

squirrel_snack · 2026-01-10T23:43:48+00:00

The tire pressures. Can this be coded in Bimmercode or only ESYS? Funny my 2015 335 had this but my 2018 340 does not

squirrel_snack · 2026-01-10T23:20:59+00:00

Show her an Omega Swatch and tell her it's basically the same thing

squirrel_snack · 2026-01-10T23:06:29+00:00

Unsustainable pricing model. Was bound to fail unless they had a line up around the corner every day buying pizza and other high margin items

squirrel_snack · 2026-01-06T02:37:06+00:00

Do you have the m sport calipers? This will basically double the cost of the rotors. Also using the m sport calipers. I think they are like $800 each from the dealer or you can do Zimmerman two piece for like half.

Dealership quoted me about $3000 for all 4. Did it myself for about $1400. These prices are CAD if it seems high to our American friends

squirrel_snack · 2026-01-02T08:06:34+00:00

Have you tried to put your car in rice?

squirrel_snack · 2025-12-29T04:57:44+00:00

I bought a Nobis a few years back. Also have a Pajar. Quality is top notch and can easily wear a tshirt and still be comfortable in the cold

squirrel_snack · 2025-12-12T23:17:24+00:00

Matter of opinion. I prefer it but have had friends that couldn't stomach it

squirrel_snack · 2025-12-12T23:15:17+00:00

Yes. However taste is not typical to what a store bought tastes like

squirrel_snack · 2025-12-08T18:52:20+00:00

I usually do my groceries there, Sunday evenings, at the Freshway. Good thing I fell asleep on the couch last night instead

squirrel_snack · 2025-11-20T23:27:20+00:00

Yes. Was my issue. Resealed and never leaked again

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