overcast5348

joined 2 years ago
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Optimal strategy to allocate stocks and bonds between TFSA/RRSP/non-registered? in c/personalfinancecanada@lemmy.ca
[–] overcast5348@lemmy.world 1 points 6 months ago

Thanks, I'll check that out!

Optimal strategy to allocate stocks and bonds between TFSA/RRSP/non-registered? in c/personalfinancecanada@lemmy.ca
[–] overcast5348@lemmy.world 2 points 6 months ago

Yup, CBIL pays out a monthly dividend and resets to ~$50.

Good point, I'll have to see how taxes on those dividends affect the final amount.

4
Optimal strategy to allocate stocks and bonds between TFSA/RRSP/non-registered? (lemmy.world)
 

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?

EVs are cleaner than gas cars, but a growing share of Americans don't believe it in c/news@lemmy.world
[–] overcast5348@lemmy.world 11 points 9 months ago

Solar, wind, and nuclear energy: are we a joke to you?

*Permanently Deleted* in c/asklemmy@lemmy.world
[–] overcast5348@lemmy.world 9 points 9 months ago

I had to get a new battery for my OP6T after using it for over 5 years - exclusively charging it using the fast charger. I'm sure that I can get another 3 years out of this phone, at the very least.

The battery + replacement service fee was around 40 USD.

I don't expect much more from the battery TBH.

YouTube has found a new way to load ads | AdGuard Blog in c/technology@lemmy.world
[–] overcast5348@lemmy.world 5 points 9 months ago (1 children)

The ads come at different entry and exit points for every user.

They're not referring to the YouTube ads, but the "let's take a minute to talk about today's sponsor nordvpn that I used on my trip to Antarctica." This is a part of the video file itself, and it starts and ends at the same time for all users.

How serious are you guys when you talk about punching nazis? in c/asklemmy@lemmy.world
[–] overcast5348@lemmy.world 8 points 9 months ago (2 children)

solely for being nazis

At what point do you think it's okay to punch a nazi?

What is your favourite open source software that you discovered in the past year, that you can no longer live without? in c/asklemmy@lemmy.ml
[–] overcast5348@lemmy.world 1 points 9 months ago (1 children)

I just checked out fWallet and it doesn't support importing random PDFs so that's a huge downside to me since a lot of events I attend only send a PDF with barcodes/QR codes.

Could you do me a favour and make this post look like a Reddit post? in c/asklemmy@lemmy.ml
[–] overcast5348@lemmy.world 2 points 9 months ago (1 children)

Cat.

Feds' decision to ease PFAS rules based on industry study in c/canada@lemmy.ca
[–] overcast5348@lemmy.world 19 points 9 months ago (1 children)

Remember when realtors were allowed to self regulate?

What are the best resources for getting started with hands-on electronics and robotics? in c/asklemmy@lemmy.ml
[–] overcast5348@lemmy.world 2 points 9 months ago

Awesome, thanks!

What are the best resources for getting started with hands-on electronics and robotics? in c/asklemmy@lemmy.ml
[–] overcast5348@lemmy.world 2 points 9 months ago (2 children)

Where does something like "use a DC motor to build a tiny little fan" stand, in terms of safety?

What are the best resources for getting started with hands-on electronics and robotics? in c/asklemmy@lemmy.ml
[–] overcast5348@lemmy.world 3 points 9 months ago (4 children)

Thanks, fire safety concerns have definitely played a major role in why I haven't actually started building stuff. I'll keep this in mind.

44
What are the best resources for getting started with hands-on electronics and robotics? (lemmy.world)
submitted 9 months ago* (last edited 9 months ago) by overcast5348@lemmy.world to c/asklemmy@lemmy.ml
17 comments fedilink
 

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.

66
Why do people complain about multiple streaming platforms existing? (lemmy.world)
 

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.

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