A poem came from ChatGPT
No-one knew what it would be.
Remainder left for others.
Search found 16228 matches
- 23 Apr 2023 09:24
- Forum: Community Centre
- Topic: ChatGPT
- Replies: 145
- Views: 8406
- 23 Apr 2023 09:18
- Forum: Taxing Situations
- Topic: File before strike!
- Replies: 73
- Views: 4069
Re: File before strike!
I owed money...$1279. I paid instalments by my own estimate, which was slightly out.
I have already remitted $1327. I was charged just less than $48 ($47+change) interest.
Suppose the rate is 7% simple, which I think someone posted earlier. One year on four instalments is 3.5%. 0.035*1279=44.76, which is reasonably close; the government computer probably does an exact calculation based on days.
Others who owe money may want to check this.
I have already remitted $1327. I was charged just less than $48 ($47+change) interest.
Suppose the rate is 7% simple, which I think someone posted earlier. One year on four instalments is 3.5%. 0.035*1279=44.76, which is reasonably close; the government computer probably does an exact calculation based on days.
Others who owe money may want to check this.
- 23 Apr 2023 00:03
- Forum: Taxing Situations
- Topic: File before strike!
- Replies: 73
- Views: 4069
Re: File before strike!
I paid installments but wound up owing over $1k. I suspect I was charged interest on the money owed.
- 22 Apr 2023 19:57
- Forum: Taxing Situations
- Topic: File before strike!
- Replies: 73
- Views: 4069
Re: File before strike!
I don't know why I was charged about 47 interest and can't be bothered to figure it out. This year I'm just paying the requirements.
- 22 Apr 2023 18:32
- Forum: Taxing Situations
- Topic: File before strike!
- Replies: 73
- Views: 4069
Re: File before strike!
Done. Sons of bitches charged me instalment interest. Grr.
- 21 Apr 2023 22:47
- Forum: Financial News, Policy and Economics
- Topic: Protectionism
- Replies: 499
- Views: 140239
Re: Protectionism
I note that COVID screwed up all planning.
- 21 Apr 2023 21:18
- Forum: Community Centre
- Topic: ChatGPT
- Replies: 145
- Views: 8406
Re: ChatGPT
FWIW, a site called LibraryThing has just previewed an AI book search which I found useful in finding some dimly remembered favorites.
- 20 Apr 2023 10:53
- Forum: Community Centre
- Topic: Science is amazing
- Replies: 818
- Views: 55673
Re: Science is amazing
My respect for the Mercury, Gemini, and Apollo astronauts continues to increase. They all knew what could happen.
SpaceX Starship live: SpaceX Starship finally launches but blows up after take-off - BBC News
SpaceX Starship live: SpaceX Starship finally launches but blows up after take-off - BBC News
- 18 Apr 2023 09:15
- Forum: Taxing Situations
- Topic: File before strike!
- Replies: 73
- Views: 4069
Re: File before strike!
I still don't see why I care. If the computers still work they will accept my file and I will transfer the amount owing. If they shut down filing delays will be allowed.
- 15 Apr 2023 16:14
- Forum: Under the Mattress: Protecting Your Money
- Topic: Bad Customer Service
- Replies: 407
- Views: 49627
Re: Bad Customer Service
Ah, well, like they say - TV or not TV.
- 14 Apr 2023 14:36
- Forum: Taxing Situations
- Topic: File before strike!
- Replies: 73
- Views: 4069
Re: File before strike!
I owe them money. What's the hurry?
- 14 Apr 2023 14:35
- Forum: Retirement, Pensions and Peace of Mind
- Topic: CPP and OAS
- Replies: 394
- Views: 51222
Re: CPP and OAS
Opinion: France is having a pension crisis. Why isn’t Canada? - The Globe and Mail But some of the rising spending has to do with an inequitable vote-buying move from the Trudeau government. That’s layered on top of the long-standing inequity of giving OAS to wealthy retirees.... A lower OAS clawback threshold plus an end to bonus payments for older seniors would save Ottawa a lot of money. Depending on where the line is drawn, we’re talking anywhere from billions of dollars a year to tens of billions of dollars. That would free up resources for higher priority areas: health care, child care, and higher GIS payments for the poorest seniors. Previous governments of both stripes had ample opportunity to lower the OAS clawback threshold and/o...
- 14 Apr 2023 09:09
- Forum: Retirement, Pensions and Peace of Mind
- Topic: CPP and OAS
- Replies: 394
- Views: 51222
Re: CPP and OAS
Opinion: France is having a pension crisis. Why isn’t Canada? - The Globe and Mail According to the Office of the Superintendent of Financial Institutions’ chief actuary, expected pension payouts from the CPP are sustainable as far as the eye can see. And a couple of decades after the Martin reforms, another federal finance minister – Bill Morneau – pushed through a modest increase in pension benefits, paid for by a modest rise in premiums. Canada has one of the least generous public pension systems; it was only designed to deliver a pension worth one-quarter of the average salary. The Morneau reforms will gradually raise that to one-third of the average salary, while also slightly increasing the maximum income – it’s $66,600 this year – s...
- 14 Apr 2023 09:02
- Forum: Retirement, Pensions and Peace of Mind
- Topic: RRIF Withdrawal Methodologies
- Replies: 87
- Views: 6604
Re: RRIF Withdrawal Methodologies
C.D. Howe institute urges Ottawa to amend RRIF rules - The Globe and Mail n its report, the Institute suggests that Ottawa consider eliminating the conversion age requirement and minimum withdrawals altogether. Alternatively, it suggests that Ottawa raise the initial age of conversion (it did not specify an exact age) or lower the required minimum withdrawals by one-quarter to one-third. “Without lowering the withdrawal percentages further – or using the more powerful tool of raising the age at which withdrawals must start – today’s seniors have a far higher chance of living to see severe depletion of their RRIF nest-egg’s purchasing power,” the report said. I still fail to see where the law says you have to spend it because you have withd...
- 09 Apr 2023 21:41
- Forum: Financial News, Policy and Economics
- Topic: Clippings 2023
- Replies: 343
- Views: 32753
Re: Clippings 2023
There's something in the anals of history about dormant accounts, which IIRC can be shifted to a different branch.
- 08 Apr 2023 17:24
- Forum: Community Centre
- Topic: Humour (2023)
- Replies: 53
- Views: 6248
Re: Humour (2023)
Farmer Brown decided to play an Easter prank. He snuck into the henhouse at night and painted the eggs different colors.
Next morning the rooster stormed out and beat up the peacock.
Next morning the rooster stormed out and beat up the peacock.
- 08 Apr 2023 15:00
- Forum: Retirement, Pensions and Peace of Mind
- Topic: CPP A Bad Deal For The Self-Employed?
- Replies: 35
- Views: 2193
Re: CPP A Bad Deal For The Self-Employed?
I would trust CPP much more than an APP.
- 07 Apr 2023 21:34
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Toronto Dominion Bank (Symbol TD)
- Replies: 182
- Views: 26550
Re: Toronto Dominion Bank (Symbol TD)
CM has generally been a trader. Buy at 6%, sell at 4%.
- 07 Apr 2023 21:11
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Toronto Dominion Bank (Symbol TD)
- Replies: 182
- Views: 26550
Re: Toronto Dominion Bank (Symbol TD)
Not really. Check interest rate history. It correlates with bank yields.
- 07 Apr 2023 20:34
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Toronto Dominion Bank (Symbol TD)
- Replies: 182
- Views: 26550
Re: Toronto Dominion Bank (Symbol TD)
Go back further.
- 07 Apr 2023 20:17
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Toronto Dominion Bank (Symbol TD)
- Replies: 182
- Views: 26550
Re: Toronto Dominion Bank (Symbol TD)
At higher interest rates the rule of thumb was "buy at 6%, sell at 4%". But it was hard to get TD at 6% yield.
- 07 Apr 2023 10:40
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Toronto Dominion Bank (Symbol TD)
- Replies: 182
- Views: 26550
Re: Toronto Dominion Bank (Symbol TD)
The only mistake I made at the time was doubling down too early and running out of money to invest.SQRT wrote: ↑07 Apr 2023 10:25As Adrian said only for BMO. Also, comparing the current environment to the financial crises seems dubious to me. We really feared that the whole financial system would collapse in 2008/09. Currently we have a fairly insignificant bump in the road (in my opinion) compared to then.
- 06 Apr 2023 16:13
- Forum: Under the Mattress: Protecting Your Money
- Topic: Index-linked GIC questions
- Replies: 51
- Views: 5899
Re: Index-linked GIC questions
The source is probably lost in the anals of history.
- 06 Apr 2023 15:18
- Forum: Community Centre
- Topic: Ice storm-2023
- Replies: 24
- Views: 1158
Re: Ice storm-2023
I don't think that's within code,so don't tell anybody. ; l
- 06 Apr 2023 14:36
- Forum: Under the Mattress: Protecting Your Money
- Topic: Index-linked GIC questions
- Replies: 51
- Views: 5899
Re: Index-linked GIC questions
Like I've often said, they're crap. Sold, not bought.
"The vendor made money, the broker made money, two out of three ain't bad." - Wall Street joke.
Added: I remember discussing ukridge's approach by email with Milevsky maybe 20 years ago. It's not the exact equivalent because you need an option.
"The vendor made money, the broker made money, two out of three ain't bad." - Wall Street joke.
Added: I remember discussing ukridge's approach by email with Milevsky maybe 20 years ago. It's not the exact equivalent because you need an option.