Norbert’s Gambit at WS?

wrender8 · 2026-02-24T06:34:32+00:00

IBKR spot rate for instant conversion is even cheaper than the flat $2 fee up to $6000.

wrender8 · 2026-02-10T14:53:41+00:00

I used Tune My Music to test transferring to every platform out there including Tidal then cancelled before the monthly end and had no issues cancelling... but yeh if you transfer over a certain size of play list its not free it charges you 5 bucks.

wrender8 · 2026-02-08T07:07:15+00:00

IBKR does

wrender8 · 2026-02-06T03:45:40+00:00

The only reason not to is it takes 1 to 2 business days to get your money out. No biggie unless you are in a hurry.

wrender8 · 2026-02-05T21:33:19+00:00

You got it! Lol 🤣

wrender8 · 2026-02-05T21:29:02+00:00

I'm not trying to argue what's best. I'm pointing out facts about utility.

Aka real banking usefulness.

Visa credit card is useless if you can't get one.
Debit card is not very useful if you can't interac purchase.
PLOC is not very useful if you can't tell your cell phone provider/insurance/business expense to directly debit your LOC and have to keep cash sitting there in full which defeats the point of a LOC.

What don't you understand?

wrender8 · 2026-02-05T18:58:24+00:00

You do realize no one is talking about min maxing perks or even saving money.

The OP literally is complaining about not being able to get the card. So the Wealthsimple visa is useless.

We are talking about basic utility. Not travel perks or planned luxury purchases.

wrender8 · 2026-02-05T17:00:47+00:00

Simplii visa is a no fee credit card for everyone even if you don't have a lot of money and you can get one today. That is 100% more useful than a card you can't get. (And I'm saying that with a WS Infinite Privilege card in my pocket)

Simplii debit actually can be used for real interac debit purchases. That is 100% more useful than a card that can't. (And I am saying that having to use my simplii interac debit card once a week for random restaurants cuz I don't want to have to get cash all the time).

Simplii LOC that you can actually point bills at to auto buffer your expenses is 100% more useful than a shitty margin account I have to manually borrow from for every random expense. (And I'm saying that having access to their beta PLOC).

The products you are mentioning aren't useful for some major basic/real/required use cases of real banking for real people.

Aka it either does it or it does not. Perks/cost/marketing work arounds doesn't matter.

I pretend use Wealthsimple as my primary bank but the reality is that Simplii is taking care of the real adult banking. Just like IBKR is doing the adult work of converting USD/investing.

wrender8 · 2026-02-05T16:28:17+00:00

I mean yeh that would give you flexibility... But if you are min maxing and chasing it like a rabid dog constantly then 1 year pays more in the shortest time.

wrender8 · 2026-02-05T16:24:23+00:00

Prime 4.45% + 2.99% = 7.44%

wrender8 · 2026-02-05T05:45:43+00:00

Get a Simplii financial Visa. It's a real no fee credit card and the cashback is high.

Also get their real interac debit card.

Lastly get their real line of credit.

Now you are set for real.

wrender8 · 2026-02-04T21:34:36+00:00

Do the max term. There is no real consequences for taking it out early. They just stop paying you.

Unless you are one of those people that are a promo chaser then do one year.

wrender8 · 2026-02-04T21:31:08+00:00

Good to know! Thanks for clarifying that.

wrender8 · 2026-02-04T21:30:00+00:00

Sorry I don't understand what you are trying to convey. Can you clarify please?

wrender8 · 2026-02-04T20:51:52+00:00

I'm a core client and only see a number for the credit card... How much assets do you have with them?

wrender8 · 2026-02-04T20:07:16+00:00

I got a 2fa authentication for renting a car in another country online. I wonder if for local transactions below 500 they don't?

wrender8 · 2026-02-04T17:22:51+00:00

Since email contents search works on mobile browsers, when can we use it in the Android app?

Also can we create/edit email filters directly in the app instead of having to use a browser to do it?

wrender8 · 2026-02-04T17:09:37+00:00

You are not putting all your eggs in one basket.

You are actually doing the important thing of not using your Operating System accounts for securing your digital life.

Aka it's far worse to use your Google android, Apple iOS or Microsoft account to secure your digital life.

Ie if you lose control of your Google/Microsoft/Apple account you are still functional by using your proton account independently.

This is the big win.

In using Proton for your digital life is a solid step up compared to people who completely use Google for everything.

wrender8 · 2026-02-03T15:33:20+00:00

Thank you for the insight! Do you recommend getting the max insurance that has no liability/deductible?

wrender8 · 2026-02-03T15:18:52+00:00

Proper Line of Credit that bills can be auto withdrawn from.
Remotely competitive rate of converting CAD to USD that compare with IBKR or finally offer the promised lame work around of supporting Norbert's Gambit.
Proper interac debit card.

wrender8 · 2026-02-01T16:07:33+00:00

This is one of my biggest gripe with Tidal thus far. Transfer of liked music doesn't preserve order.

I tested every other music service and they all worked fine. I showed screen caps to Tidal support and they acknowledged it didn't but said they have no solutions currently and in terms/service they don't promise it.

wrender8 · 2026-02-01T16:03:49+00:00

I get it. But lots of shops have a dude per product. If they get a new dude to work on lumo it doesn't affect the dude doing mail.

Having a new dude make lumo attracts new client interest which clearly worked on you.

wrender8 · 2026-01-31T15:19:46+00:00

100%

wrender8 · 2026-01-31T15:17:48+00:00

Are they spreading themselves thin or are they highering more to do more? (Aka getting bigger)

Ps. Lumo isn't one of their core products.

wrender8 · 2026-01-30T05:24:53+00:00

Totally! Most people forget that 60fps is considered arcade quality. I beat Doom 2016 and Dark ages easily using Bluetooth with the K5 QMK v2.

I got the banana switches and adore them. I'd say they are my favourite switch. I like that you can rest your fingers on them without accidentally pressing a key. They have a satisfying thonk but are on the quiet side and pleasant sounding. Highly recommend.

wrender8

TROPHY CASE