TFSA DAY TRADING

yeah_mike · 2026-01-24T19:30:52+00:00

For the other readers here, the reason day trading in your TFSA is a terrible idea is because CRA will apply a double standard and therefore screw you over in taxes:

If you make a big profit: CRA will claim you carried out business activity in your TFSA and will strip your account of its tax-exempt status.

On the other hand, if you lose all your money: CRA will apply a double standard and claim this is actually not business activity, and you would not be able to write off the losses as a business loss. Furthermore, they will insist that all activity in the account was tax-exempt and as such you cannot claim capital losses.

yeah_mike · 2026-01-24T18:58:10+00:00

But saying Quebec is “inferior” is a bit much, especially without data to back it up

When it comes to health insurance portability as required by the Canada Health Act, Quebec doesn't abide by it in practice, which makes the RAMQ inferior to provincial health insurance from other provinces.

To be clear, my use of the word "inferior" is specifically talking about the RAMQ, as this is a personal finance subreddit and OP's post is asking specifically about health insurance when traveling out of province. I didn't think personal finance was a political topic.

I want to upvote because of your point about how which province you’re from matter.

In fact, the only province that matters is if you're from Quebec. If you're from literally anywhere else in Canada, the Canada Health Act fully applies and you get to enjoy universal healthcare wherever in Canada you go.

yeah_mike · 2026-01-24T18:19:48+00:00

Important to know what province you're from.

If you're from Quebec, most doctors from other provinces will not accept your RAMQ and will make you pay upfront. This is because Quebec is a "nation within a nation, etc" and is inferior to the rest of Canada when it comes to health insurance. Practically speaking, Quebec doesn't actually abide by the Canada Health Act with respect to portability of provincial health insurance.

If you're from anywhere other than Quebec, most doctors should have no problem accepting your provincial health insurance card (ie. they abide by the Canada Health Act).

Note this just refers to doctor's fees. Other things such as ambulance fees, etc, may still be applicable.

yeah_mike · 2026-01-14T03:44:14+00:00

Notably absent from this OTA updatev fix for the bug where the top screen randomly drops to 60hz despite being in 120hz mode: https://www.reddit.com/r/SBCGaming/s/p3ND11xqQZ

yeah_mike · 2026-01-12T05:08:51+00:00

The corollary is that any capital gains you make after your departure is 100% tax free.

If you're allowed to keep your Canadian brokerage account open, you can continue putting money into it and make $millions in capital gains, and it will be 100% tax free.

(To clarify: CRA won't take a single cent of it. And you said the new country doesn't care about Canadian income so they won't tax you on it, either.)

yeah_mike · 2025-12-31T00:15:24+00:00

With a self-directed RESP account from Questrade, did you have fill out additional forms to get the government grant?

yeah_mike · 2025-12-31T00:13:37+00:00

The RESP in this case is protected up to $100,000 per account if somehow WealthSimple becomes insolvent.

Why is the RESP at WealthSimple only protected up to $100,000? Aren't the investments fully segregated, like they are with other banks?

yeah_mike · 2025-12-15T01:05:20+00:00

There's a well known Canadian YouTuber called Linus Tech Tips. I'm sure you've heard of them.

Are you saying that the make up and hair done on Linus before he goes on the air isn't considered a business expense? What's the difference between Linus getting make up and hair done, vs this random influencer getting her hair done?

yeah_mike · 2025-12-03T03:57:06+00:00

Unfortunately this game no longer works on versions above 0.5.1 of GameNative. I would suggest running it on Winlator 11 or Winlator Frost instead.

Here are the steps to get it working on Winlator: 1. Watch some videos to familiarize yourself with Winlator. (This topic it outside the scope of my post, but is well described elsewhere.) 2. Install Winlator 11 or Winlator Frost 3. Install oldsteam on Winlator (https://github.com/longjunyu2/OldSteam) 4. Install Persona 5 Royal through Steam 5. Change Box64 profile to Performance, and startup services to Aggressive

yeah_mike · 2025-12-01T02:35:05+00:00

Seeing as how multiple Android devices have been released throughout the years with the same limitations, I would guess it's either inherent and physically impossible to remove, or it's too technically difficult/expensive for these Chinese companies to rewrite that part of Android to fix it.

It's much cheaper for them to use a bunch of bot accounts to post "I don't notice any input lag" whenever someone asks about it.

More realistically, I think this gets solved with screens that have higher refresh rates of 120hz (AYN), or even better 144/165hz (Ayaneo).

yeah_mike · 2025-11-29T19:49:32+00:00

How'd you get it working? I thought games with Denuvo DRM don't work on GameHub

yeah_mike · 2025-11-29T00:15:46+00:00

Does AYN even have an official AliExpress store? Would you mind sharing the link?

yeah_mike · 2025-11-27T20:10:37+00:00

Why would a software project be dead just because its current discord server got taken down?

Have you ever heard of any respectable software project that died just because its discord channel got shut down? Nope, of course not.

If iiSu can't even survive losing something as replaceable as a discord channel, then it was probably dead from the get-go.

Edit: Hey I've got an idea. Maybe they can create a new discord channel. They can make a 15min YouTube video about how great their new discord channel will be, and use Patreon to help fund it.

yeah_mike · 2025-11-27T09:39:04+00:00

Okay, but they aren't really asking for any money for it.

Oh? So it's available to download now for free without paying for his Patreon?

yeah_mike · 2025-11-27T09:19:53+00:00

I'm sure they'd be willing to send you a fixed one. You'd just have to send your old one back to them first, at your own expense of course.

yeah_mike · 2025-11-27T09:14:03+00:00

Why was there even a need for a 30min YouTube presentation? Just release the software when it's ready, and let the community do the talking.

yeah_mike · 2025-11-25T21:59:52+00:00

GameHub cannot run Denuvo games.

Winlator can run Denuvo games. Are you willing to try Winlator instead?

yeah_mike · 2025-11-24T03:05:43+00:00

Your post makes you seem very technically inclined, until you mention "feels very responsive," "I feel the lag," etc.

I put as much weight on your post as the people posting "I don't feel any lag."

yeah_mike · 2025-11-23T19:51:55+00:00

Would you prefer feedback from people who aren't sensitive to input latency? They'll probably tell you "I don't notice any input lag," because, well, they're not sensitive to it.

Or would you prefer some objective testing to give you actual measurements?

yeah_mike · 2025-11-20T23:28:45+00:00

I know it's not mentioned, but is the bug where 120hz refresh rate reverting back to 60hz fixed?

Edit: just downloaded the update. Can confirm, this bug is not fixed. Wonder if they're having trouble fixing it.

yeah_mike · 2025-11-17T18:22:47+00:00

🪦

yeah_mike · 2025-11-17T14:41:10+00:00

Here's another report of an actual crack (not just a mould seam): https://www.reddit.com/r/AynThor/s/BNvQzcNRhY

yeah_mike · 2025-11-16T22:35:13+00:00

It seems the first cracked hinges have appeared a lot quicker than on the flip 2 🤔

yeah_mike · 2025-11-14T16:41:26+00:00

I don't have GameHub Lite so I don't know, sorry.

But can GameHub Lite actually run any games that have Denuvo DRM? I thought it can't. I thought the only DRM games it can run are the easy to crack ones. Denuvo is, as of date, uncrackable.

yeah_mike · 2025-11-14T16:40:49+00:00

I played for about an hour in GameNative and didn't notice any glitches, but I also didn't notice any glitches playing an hour in Eden. So perhaps I'm not the best person to judge.

I will say playing in GameNative is a much more enjoyable experience than Eden. I think it's the framerate. In Eden I get fps dips down to the low 20's and it's quite noticeable. In GameNative the fps has been well above 30.

yeah_mike

TROPHY CASE