looks like the push to crush the competition of small businesses is near complete. The same useless employees will migrate to the monopolies.
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My supplier. My credit holders and my biggest “competitors” all have the same shareholders.
It’s currently talking 3 weeks to get product from the warehouse in Branford to my store 2.5 hours away. I can’t change shippers because that’s a contract with the supplier and I can’t go to the ware house because it’s unionized.
I get Rick’s frustration with stock and personnel. But in my case we can’t maintain stock due to supply. And the personnel are tired of being yelled at day in and day out for the last 5 years.
Maybe more like around 2% after tax? Interest income is the highest taxed income (unless in TFSA).
You pay banking fees? Moved to PC Financial in 1998 and haven't paid any banking fees since then (they were bought by CIBC sometime before the pandemic and changed their name to Simplii but kept the no fee thing; I'm not a fan of CIBC but I'll keep my account with Simplii as long as they don't mess with it). They do have HISA accounts like WS but I don't remember what the rate is.
I did have to open an account with RBC just over 10 years ago because I needed bank accounts on both sides of the border and they waived the monthly fees if you had 3 or more products with them. So I moved my mortgage to them + no fee credit card (which I hardly use) + small TFSA + chequing account + no fee USD account. Mortgage is long retired and still haven't paid any monthly or usage fees in over 11 years since I have at least 3 products.
Also have a chequing account + no fee credit card with them in the US and move money back and forth between the 2 countries with no fees.....so RBC may be another option although I keep waiting for them to change the price structure.
No minimum balances required in chequing accounts either in each country....don't keep much with RBC anyway since Simplii is still my main bank.
Hopefully they don't see this and start charging me fees...lol
the petro dollar just died. Big changes coming.
They generally don't "grandfather" agreement terms/pricing anymore - regularly get "changes to your agreement/pricing" notices from various FIs. They just have to give you adequate notice period and if you continue to use the product it demonstrates your acceptance of new terms.
How do you check the health and size of Credit Unions and financial institutions?
Looking at a few Credit Unions. Bank collapses aren't unheard of, there's been a few in the last year. Being insured by the regulatory authority is one thing but I think that's a low bar.
Meridian is where I am now. They've been around a long time. I used them back in the late 80's to early '93 but they went by the name HEPCO then. Not sure when the name change happened but the letter "H" stands for Hydro. I left Hydro in '93 when they began to dismantle it. Left with a package hence the bullshit recovery charge that use to be on the bill. (can't remember what they call that charge, it is no longer on the bill). Meridian has several branches.
Exhaust video.
The car is literally unbearable to drive. The video doesnt capture the actual volume in and out of the car... its bad. At full throttle or even half throttle the exhaust note has no character...just loud and raspy.
Tons of drone, upon start up it sets off the alarms of numerous cars around me.
I just secured a set of JBA mufflers to put on it and trash this pypes pipe bomb exhaust.
If anyone wants the exhaust, let me know, you can have it for the price of a gin and soda.
https://www.youtube.com/watch?v=ttkbxJVLw5E&t=7s
You can see if Fitch, S&P, or Moodys has them listed publicly. CU deposits in Ontario are secured up to $250K by account holder (total for all accounts) at the CU. With any FI, scale is key.
At my last company if I had to assess an FI I'd start with their annual financial statements.
Example:
https://www.fitchratings.com/entity/...union-96666670
Which banks collapsed last year? I know of at least one smaller CU, maybe two that failed.
After a disaster of qualifying and pre race results yesterday. Starting 9th, Finished second by 0.022 seconds in the final of my go kart race.
Right rear tire went flat twice on a track with mostly left hand turns.
Fixed it by borrowing a rim and tire from a fellow racer.
Still can’t find the leak
^^^^^^^^^ Nice! —Check the wheel I see many hairline cracks it the truck aluminum truck wheels here. On occasion with steel. Congrats that was awesome.
Rims are magnesium.
I’ll be replacing it, can’t afford to find out if I fixed it the
hard way again
Had a track day with the 911 on Saturday, that car is freaking magic.
Arrrrrrrgh!!!
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Not the smoke show I like!! Off to DaSilva’s after the long weekend.
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^^^what is that?
…I don’t see any Shelby emblems on it ;)
Union where all my hoses go. Guess after 13 years got weak and blew apart. It’s plastic.
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I mowed the lawn today, and after doing so
I sat down and had a cold beer.
The day was really quite beautiful, and the drink facilitated some deep thinking.
My wife walked by and asked me what I was doing,
and I said, "Nothing."
The reason I said "nothing" instead of saying "just thinking" is because she then would have asked, "About what?"
At that point I would have had to explain that men are deep thinkers about various topics, which would lead to other questions.
Finally I pondered an age old question: Is giving birth more painful than getting kicked in the nuts?
Women always maintain that giving birth is way more painful than a guy getting kicked in the nuts, but how could they know?
Well, after another beer, and some more heavy deductive thinking, I have come up with an answer to that question.
Getting kicked in the nuts is more painful than having a baby, and even though I obviously couldn't really know, here is the reason for my conclusion:
A year or so after giving birth, a woman will often say, "It might be nice to have another child."
But you never hear a guy say, "You know, I think I would like another kick in the nuts."
I rest my case.
Time for another beer. Then maybe a nap.
Part ordered. Ford=2 weeks. Rock Auto=4-5 days and $140 cheaper. WTF.
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Brutal crash by John Force, so far looks like he's going to be ok.
Best wishes.
https://www.youtube.com/watch?v=se-87igvCrI
Looks like John used up one more of his nine lives. He said he was retiring this year, looks like he is going out with a bang.
Ouch hard hit! He was driving through it after the explosion. Got this race on the PVR to watch still...he announced his successor recently so unfortunate to take a hit like this on the victory lap. Glad he was awake out of the car.
Sorry if this was shared already.
There are vids popping up on my SM feeds of it ripping on the Nurburgring
https://www.caranddriver.com/news/a4...-gtd-revealed/
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Wish I lived in a big city where the power grid is reliable n doesn't bounce off n on at least once a week. :(
Have a small one for the next time we have no power for a week.
Powerwall. Put the whole house on a UPS.
Dont ever fly with Flair airlines.
Was in Cancun, the flight got cancelled and they didnt even bother informing us. Here we were then scrambling to book flights while wasted lol
And I flew to Las Vegas and back with Flair and the flights were on time, Food was cheaper than Westjet, everything went perfect. Flair needs to get their shit together because it's cheap enough to be a real alternative. I've heard so many horror stories. We were very nervous about using them but could not beat the price.
Great job RockAuto and Fedex!! Ordered Friday late afternoon!!
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Mann it was tough ... imagine as you're doing your 6th round of tequila shots with your boys and 10 girls in a pool you get informed that your flight in a few hours is canceled - we still finished the round.
I read some reviews on REDDIT, supposedly this happens alot. Turns out, Flair had given Expedia the wrong flight times... the flight we were on was actually a Saturday flight not a Sunday flight - Expedia had it as Sunday.
Air Canada had the airbus Max ... seats were great and lots of leg room.
Flying international using Canadian airlines has become a big pain in the ass.
Thank you ZR. Last week him and Ross did a service on the F150 and today the Fusion got a treatment from the good doctor. Very much appreciated.
Pleasure was all mine, great seeing you n thanks again for the coffee.