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Joined 8 months ago
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Cake day: August 30th, 2024

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  • In a riding where the other candidates don’t stand a chance, I vote for the candidate who doesn’t stand a chance but whose party’s values I like best. Like the NDP or the greens.

    Doesn’t do much, but in a way, it’s freeing and I can pretend I’m free to vote for anyone.

    If someone has a chance to beat the worst candidate, though, I’ll vote for the most likely one. And that’s the most depressing situation of all.

    I really hate this voting system. But it’d take a miracle for it to change.



  • Unless your income is really low, look into FHSA. It’s a stupidly advantageous investment mechanism. It’s like RRSP in that it reduces your taxable income, except it doesn’t become taxable when you use it. (Although you can only use it for a real estate purchase.)

    As for investing in Canada, lots of banks and financial advisors offer managed Canada-only investment funds.

    Personally, I just go for socially responsible funds anytime I can. Lower returns, but it doesn’t tend to crash as much as the general market when the news talk about massive market downturns, and above all, it doesn’t come with the guilt of investing in weapons or fossil fuels. And well, even if it’s in the US, I really don’t mind investing into a company that’s not morally terrible.


  • Dang it. I had forgotten that most debit cards now have partnerships like that.

    However, remember that debit card transaction fees are typically quite a bit lower (no exact numbers to support my claim, but for instance my hairdresser only takes credit for larger payments; small ones she only accepts debit, or she would just lose too much to the credit card company).

    So you wouldn’t NOT support MasterCard/Visa, but they WOULD receive less money.

    As for non-American credit cards, someone asked a similar question on Reddit and got technically valid but unsatisfying responses.

    For instance:

    https://www.reddit.com/r/amexcanada/comments/1j31ir0/comment/mfwmz5y/

    Like, when they say “don’t encourage the US” people don’t typically mean jumping to Chinese companies instead. Not to mention UnionPay is definitely not as widely supported as Visa or MasterCard.

    And while Japan isn’t exactly notorious for its human rights violations these days, I kinda doubt JCB cards would be very widely supported. And could you even get one if you’re not Japanese?