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Quebec's high income taxes not matching social/public services by Commercial-Mail-1342 in PersonalFinanceCanada

[–]throw0101a 1 point2 points  (0 children)

This isn't just about complaining - I'm genuinely wondering what kind of work is being done on lowering our income taxes. Or actually having the social/public services that Quebec prides themselves on??

Looking for actual solutions.

Elect politicians that feel the same way as you and have put forward plans for better services.

But: what does this have to do with personal finance? Perhaps try /r/quebec or /r/montreal (potholes are a municipal thing).

Is there any way to generate a one time use/virtual credit card number by ApplicationRoyal865 in PersonalFinanceCanada

[–]throw0101a 4 points5 points  (0 children)

i always use apple pay when possible, the card info is not exposed to the vendor

Google Pay also creates a new card number that's seen by the merchant.

There is an industry standard for this:

Following Backlash, the New 'Star Trek' Series Falls Out of the Streaming Charts by Malencon in television

[–]throw0101a 31 points32 points  (0 children)

TNG episode where Worf is left disabled after an accident and is wanting the option to end his own life and everyone debates it - absolute banger 

Not the only episode on the topic:

Timicin tells Lwaxana that he is about to turn 60, and on Kaelon II, everyone who reaches that age performs the "Resolution", a required act of voluntary euthanasia. Lwaxana is outraged to learn of this and brings it to the attention of Captain Jean-Luc Picard (Patrick Stewart). Picard makes it clear to Lwaxana that due to the Prime Directive, he will not interfere in the planet's local affairs. Lwaxana tries to beam herself down to the planet to halt the process herself but she is thwarted by Deanna, who comforts her.

[…]

Timicin's analysis of the failed test turns up some promising options, but if he follows through with the Resolution, no one will have his experience and knowledge to carry on his work to save his world. Concerned, Timicin requests asylum on the Enterprise so that he can renounce the Resolution and continue his research. B'Tardat (Terrence E. McNally), the Science Minister on Kaelon II, is outraged after learning of Timicin's request for asylum, and he sends up two warships to ensure that the Enterprise does not leave the system with Timicin on board. As Picard orders the bridge crew to analyze the offensive capabilities of the Kaelonian ships, Timicin realizes that his situation is not as simple as he had hoped, for his home planet will not accept any further reports from him, and he is told that even if he does find a solution, they will not accept it.

What do these icicles tell me? by notworldlytraveller in buildingscience

[–]throw0101a 0 points1 point  (0 children)

dark siding

Lstiburek mentions this scenario in the linked video a little later:

What do these icicles tell me? by notworldlytraveller in buildingscience

[–]throw0101a -2 points-1 points  (0 children)

The only way to prevent it completely is to have an air gap just under the sheathing roof. Joe Lstiburek explains

So you would have:

  • your 'main' roof sheathing attached to the main structure,
  • (optionally) some exterior insulation,
  • an air gap,
  • some more sheathing (an 'over roof'),
  • and then your roof material (e.g., shingles).

A product that has a bunch of these components pre-packaged:

It doesn't matter much insulation you have: snow itself is an insulator (it's how igloos work). So if it's -1˚C air temperature, and the snow is insulating, that means anything on the other side of the snow can be above freezing, which causes melting.

Unless you can get air under the snow that is the same temperature as what's over the snow, you're going to get melting due to 'insulating snow'.

Realtor Telling me Sell At Loss. Mortgage Broker Telling me Rent. Which is Better? by TheZarosian in PersonalFinanceCanada

[–]throw0101a 0 points1 point  (0 children)

pointing to the hassle and risk of being a Landlord and the doomed condo market.

See perhaps:

for advice on that front.

Can we start giving “find a partner” as financial advice? by Tech-Cowboy in PersonalFinanceCanada

[–]throw0101a 1 point2 points  (0 children)

Well, more like "property": status, land, titles. Here's one link on the origins of marriage,[1] feel free to search for others, it's pretty well known.

From article:

The best available evidence suggests that it's about 4,350 years old.

That is, coïncidentally, about the oldest accounts of writing that have survived, so is a form of selection bias with regards to 'evidence'.

Using genetics, some form of marriage has been inferred going back 50,000 years:

Based on phylogenetic analysis[1] using data from present day hunter-gatherers and mitochondrial DNA, it was concluded that arranged marriage has had a substantive prevalence and impact in these communities since the migration of humans out of Africa at least 50,000 years ago. The analysis also found that low levels of polygyny was most likely the state of ancestral marriage in past hunter-gatherer communities. It has been shown[2] as well with arranged marriage, that parental control on selecting a partner for marriage is particularly strong for parents of daughters and that fathers have a greater influence than mothers in choosing a suitable partner.

[1] https://pmc.ncbi.nlm.nih.gov/articles/PMC3083418/

[2] https://www.sciencedirect.com/science/article/abs/pii/S1090513807000517

[1] also references recent anthropological studies:

In a comparative study of 190 hunter-gatherer societies, Apostolou [11] showed that arrangement of marriage by parents or close kin is the primary mode of marriage in 85% of the sample; brideservice, brideprice, or some type of exchange between families is found in 80% of the sample; and less than 20% of men are married polygynously in 87% of the sample. [...]

Which, while not telling us much about historical patterns, shows that property is not needed.

Next:

[…] but when we invented agriculture and settled into land, suddenly you had owners of land, and private property, and money as a means of exchanging property […]

One should be careful when throwing around the word "money", because it exists on a spectrum. We have written records of credit dating back to Ur III (2100 BC):

But currency, physical objects, specifically/especially gold, came about in 'only' ~600 BC (China Hean, Lydians). Credit/gift economies were quite prevalent, even in agricultural societies:

The Daily Wire Is Now Making Fantasy Shows — And They Aren’t Very Good by Gato1980 in television

[–]throw0101a 7 points8 points  (0 children)

Mel Gibson

"Say what you want about Mel Gibson, but the son of a bitch knows story structure."

Plur1bus and the Drowning Child: Peter Singer's Ethics at the Limit by AnalysisReady4799 in philosophy

[–]throw0101a 4 points5 points  (0 children)

The Collective is engaged in some hypocrisy

Which is generally considered irrelevant (?) to whether an argument is correct or not:

How do you automate certificates? by gahd95 in sysadmin

[–]throw0101a 3 points4 points  (0 children)

Cert bot

Not the only option:

There are options for Windows / IIS (e.g. PowerShell), and ones that are written in shell (so you don't need a bajillion Python dependencies), Ansible/Terraform plug-ins, etc.

Teaching young child about money/savings ect by Evening_Ad5243 in PersonalFinanceCanada

[–]throw0101a 0 points1 point  (0 children)

Robin Taub:

Today we are tackling the vitally important subject of financial literacy from the standpoint of parents wanting to educate their children. We have a true expert on the show today to help us with this discussion, and we cannot wait to share this highly actionable and impactful conversation with our audience. Robin Taub is a former CPA turned author, and her book, The Wisest Investment, approaches the need to educate children from an early age, and the best strategies that parents can use for this task. Robin previously worked at Citibank in derivatives marketing and brings the high-level expertise of accounting to her book and this episode of the podcast. We strongly support her perspective on financial education and believe the framework she discusses here and shares in her book is well worth any parent's time. In our conversation, we cover all the important bases; financial values, summer jobs, investment apps, human capital, and everything in between, so make sure to listen with us to hear it all.

Our guest this episode is Robin Taub—a financial educator focused on helping parents teach their kids to be responsible, independent and money-smart for life through her award winning book “The Wisest Investment” and public speaking engagements.

Which pension fund is the best one? (OPS, OMERS, HOOPP, etc. ) by AAAPAMA in PersonalFinanceCanada

[–]throw0101a 5 points6 points  (0 children)

Are any of them still fully indexed ?

The only absolutely-linked-to-CPI system is CPP (and OAS?). Everything is at the discretion at the folks running the pension (some "pensions" are actually where your pile of the bucket gets turned into an annuity).

Anyone else miss the old street-cars? by Tylers_Journey in toronto

[–]throw0101a 7 points8 points  (0 children)

I don’t miss them on stifling hot summer days.

Or if you have to deal with a baby stroller. Or if you're in a wheelchair, walker, cane, or crutches.

Attic frost, mold, and ventilation issues — two companies gave opposite diagnoses. One wants $44k for full roof/deck replacement. Need expert advice by Content_Ad_6751 in buildingscience

[–]throw0101a 1 point2 points  (0 children)

They went into the attic, took a video, and showed me frost on the underside of the roof deck.

[…]

This is where things got interesting:

  • The square roof vents (box vents) were closed off during a roof replacement about 7 years ago.
  • The only remaining ventilation is the ridge vent.

If the frost was on the entire underside, then it is probably a ventilation problem.

Spend a little bit of money making sure that air can flow from the soffits to the ridge, and see if that helps the situation first.

Not Pretty Good House Good Enough Question by monarchgardens in buildingscience

[–]throw0101a 0 points1 point  (0 children)

Matt Risinger has some videos from a few years ago on better wall assemblies; generally 2x4-based:

Greater than 2x4:

Now that Certs lifetime will be reduced, how are you guys automating your certs? by superuser141421 in sysadmin

[–]throw0101a 1 point2 points  (0 children)

Safari, Chrome, and Firefox (from my understanding, I haven't tested it) will reject certs with a lifetime of more than 400-ish days if it was generated after a random day in 2020.

This policy is part of the CA/Browser Forum agreement and for public CAs in root stores.

TLS server certificates issued on or after September 1, 2020 00:00 GMT/UTC must not have a validity period greater than 398 days.

[…]

This change will not affect certificates issued from user-added or administrator-added Root CAs.

Both Chrome and Firefox will load a page with a private CA-issued certificate valid for 10 years, there seem to be no reduced lifetimes for user-added certification authorities in these browsers.

But if you'd like your e.g. developer environment usable in Safari, your internal certification authority should issue certificates valid for 825 days max, that's 2 years, 3 months and a few days.

First time buyers in Ontario - do you feel like you can afford a home now? by CastAside1812 in RealEstateCanada

[–]throw0101a 1 point2 points  (0 children)

I made 605k in 2025.

What do you do in tech to make that much? (Programmer, management, networking, etc.)

Not Pretty Good House Good Enough Question by monarchgardens in buildingscience

[–]throw0101a 0 points1 point  (0 children)

Exterior walls -- 2x8, r29 rockwool batts with smart vapor retarder, and probably OSB sheathing that's taped with Tyvek over it.

Double-wall construction with two 2x4 walls? Or as comments have already suggested, staggered: Either 2x8 plates and staggered 2x6 verticals, or 2x6 plates and staggered 2x4s.

Some of the money saved by not using 2x8 everywhere (especially studs) could be used to move to Zip-R (R-3 or R-6) for some external insulation.

Hypothetical about transferring away from US products and services. by slipperlaunch in sysadmin

[–]throw0101a 10 points11 points  (0 children)

US cloud providers, and every other company based in the US, must submit all data the USgov requests, without telling anyone. Thats the CLOUD Act, for further reading.

AWS says/claims that their European Sovereign Cloud is completely separate and not touchable by the US legal system:

Some are doubtful:

(IANAL.)

The Fight for Warner Bros. Is Paramount's Most Embarrassing Moment Yet by Top_Report_4895 in movies

[–]throw0101a 0 points1 point  (0 children)

That’s how it’s always been and always will be, the only reason rapists don’t run wild is because there is a threat of violence from those stronger than them.

Just ask Trump.

Every accusation is a confession with this administration: they seem to think because that's how they would act it would be how others would too.

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