4
submitted 6 months ago by [email protected] to c/[email protected]

This is my scenario:

TFSA is maxed and has the emergency fund in CBIL. I have roughly equal money in RRSP (maxed) and my non-registered account.

I like to keep my overall portfolio at 50% stock ETFs (primarily VFV) and 50% low duration bond ETFs (primarily CBIL). I understand that this is a sub-optimal allocation, and I'm okay with that. This is thanks to childhood trauma from growing up too broke, and I'll make up for the lower returns by spending less and investing more.

So far, I've kept VFV in my RRSP and CBIL in the non-registered account.

However, I've been wondering if it'd be better to switch the two around: Buy CBIL in the RRSP account and buy VFV in the non-registered account.

PROs:

  • CBIL-RRSP will grow less than VFV-RRSP -> lower "income" in retirement -> lower tax consequence.
  • VFV-non-reg profits will be taxed at the 50% (maybe higher in the future) inclusion rate.

CONs:

  • Can't think of any at the moment. Help?

I'm also considering switching the TFSA to hold stocks instead of bonds, and have the emergency fund in the non-reg account. This makes sense too, right?

89
submitted 9 months ago* (last edited 9 months ago) by [email protected] to c/[email protected]

Hey, apologies if I'm not using the correct terms, I'm going to do my best to describe the issue.

This is a photo from my shower. There's a glass "wall" and a glass door. The door is connected to the glass wall by a hinge. The glass wall was glued to a metallic frame but it looks like the glue is not holding it in place anymore.

Is it a DIY job for a new homeowner after the millionth thing broke down this month and is ready to step into traffic? Or should I just hire someone? What profession am I even looking for to get it fixed?

If it's an easy enough fix, what keywords do I use to look up a fix and the materials needed?

Any other useful information or advice would be appreciated. Thank you!

Update: thank you all for the comments. I don't think I have the skills to do this project by myself and don't want to risk glass all over the bathroom floor. I've contacted some people who fix windows and stuff, and they've agreed to this work at a reasonable price.

[-] [email protected] 37 points 9 months ago

Bro, which company expected you to do a take home assignment that took 2.5 months? Name and shame the fuckers.

[-] [email protected] 23 points 9 months ago

How are China's stringent lockdowns explained in this conspiracy theory? Also, where do I sign up as a member?

43
submitted 9 months ago* (last edited 9 months ago) by [email protected] to c/[email protected]

Background: I took some 100 and 200-level courses on electronics in college over a decade ago. I still remember some stuff (Ohm's law, Kirchoff's law), and I can recognise the basic parts in a circuit diagram.

I am also happy to pick up a beginner friendly text book and go through the theory by myself, if there are any recommendations.

However, I've never even held a soldering gun. I am a blank slate when it comes to any practical applications. I get overwhelmed trying to figure out what kit to order on Amazon.

So, is there a course/tutorial you'd recommend for learning the hands on parts of it? I'd prefer as much handholding as possible. Ex -- if someone sells all the components to finish the projects in the course that would be the course I pick.

[-] [email protected] 29 points 10 months ago

do you think every sport is about strength?

A lot has been written about why chess has separate tournaments for men and women despite physical strength not being a consideration for the game. Presumably, similar logic holds true for other non-physical-strength based games. I'd recommend you to look it up yourself, but the TL;DR (with some potential inaccuracies since it's been some time since I read it all) is as follows.

Historically women weren't even allowed to participate in chess tournaments because men considered them to be inferior and incapable of thinking as well as a man could. It was considered "ungentlemanly" to defeat a woman who "obviously" couldn't keep up with men. This led to a cycle of women not even learning the game because why bother, eh?

Now the thing about games like chess is that you can definitely learn it at any age and master it. BUT - doing so at a very young age tends to give people a huge edge over someone who started later (all else being equal - memory, effort etc etc). So, the same person starting at age 4 who'd probably be level 9000 Goku by the time they are 23 might never get to that level if they only start at age 35.

So, when women were allowed to participate in chess tournaments, there were very few of them who had started at the right age and could hold their own. This led to a need for a women's tournament to grow the sport.

How does that grow the sport? A little girl watching a woman on tv after winning a tournament might get inspired to pick it up. The girl might be able to point at the other women and tell her parents that she deserves to play chess too and that it's not just for boys.

These gendered leagues also give a "safe space" for women to participate in communities where people of different genders interacting is frowned upon. Etc etc etc.

Please do fact check me by looking up things on your own though -- it has been years since I went down this rabbit hole.

[-] [email protected] 27 points 10 months ago* (last edited 10 months ago)
66
submitted 10 months ago by [email protected] to c/[email protected]

People (including me) complain about monopolies all the time for various reasons. At the same time, I've noticed a ton of complaints about the existence of multiple streaming platforms. But isn't that a good thing at the end of the day? If streaming platforms consolidated into 2-3 companies, there wouldn't be much stopping them from raising prices even more.

[-] [email protected] 40 points 11 months ago* (last edited 11 months ago)

My company makes it super easy for me - we're just going to continue on python 2.7 and add this to the long list of reasons why we're not upgrading.

Please send help.

[-] [email protected] 45 points 1 year ago* (last edited 1 year ago)

Please continue running your own blog. Don't give some other company "free" content.

I hate that the entire modern internet is controlled by a few corporates.

The downsides to running your own blog are lack of technical knowledge/interest, and reduced monetization. Since you've already overcome the problem of technical knowledge, and you aren't looking for monetization, please continue running your own blog.

As for visibility, maybe your could start sharing links on lemmy? Perhaps you could start a dedicated community of your own if you're hesitant to post it on other existing communities.

[-] [email protected] 37 points 1 year ago

At this point, I'm not sure if I should interpret that as "very recyclable" or "barely recyclable".

[-] [email protected] 30 points 1 year ago

I lick it clean before putting it in the fridge.

^^/s

[-] [email protected] 21 points 1 year ago

I've had at least one code reviewer ask me to put all the logic in the if ... line rather than use a variable or two in order to "simplify code by reducing the number of variables."

At the very least, this article helped me confirm my own bias of "that guy is a moron" and I can send this article to him the next time he reviews my code.

14
submitted 1 year ago by [email protected] to c/[email protected]

I am currently logged into my account on lemmy.world. I'd like to view the home page of literature.cafe (or any other instance), view all the communities there etc.

I could just tap on the instance name, or even add instances that I wasn't signed in to on liftoff which no longer works.

Is there a way to do this on voyager?

[-] [email protected] 35 points 2 years ago

An example of search engines failing me miserably last month:

I wanted to hire a photographer, so I started searching using keywords like "wedding photographer MAJOR_CITY_NAME", "photography MCN", "event photographer MCN", etc. The top results I got were all mostly along the lines of "top ten wedding photographers in MCN" i.e. listicles with links to a few photographers who probably paid the listicle creator? There were maybe one or two links to a photographer's website itself in the first page.

I'm okay with ignoring the first page of results and moving on to following pages. But rather than giving me individual photographer's websites in subsequent pages, I started getting listicles for "top ten wedding photographers in OTHER_CITIES". I'd click through multiple pages of results to find maybe 5 direct website links.

What actually helped me find a photographers eventually was entering the exact same key words on Instagram. Almost every single one of them that I found on Instagram had an excellent website and the city name, and their addresses were mentioned clearly on their websites. So, it wasn't a case of them not having enough information on their website. It's just that search engines chose to prioritise listcles of photographers from other cities rather than giving me links to individual websites of photographers in my own city.

In this case, I got lucky because photographers have a presence on Instagram which has a functional search engine. What if I want to find a plumber, or someone else? I'm forced to just trust a listicle creator because search engines don't want to give away links to single purpose websites and only want to keep us on websites with a shit ton of content (that may or may not be what you need) and ads.

/rant

[-] [email protected] 21 points 2 years ago

50% for 20 million sounds insane to me. I'd be clamoring for 75% or more. I'm in Ontario and people making something like 250000 CAD already have a marginal rate above 50% IIRC. Before anyone calls me a lazy commie, my marginal rate is in the mid 40s already, and I'm happy to do my part.

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