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Joined 1 year ago
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Cake day: June 17th, 2023

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  • Typically when you are moving debt to a credit card, you are not making a purchase, but are withdrawing cash from the credit account to pay for the LOC. A cash advance usually means you are paying interest on the amount withdrawn immediately at super high credit card rates. There is usually no grace period given for cash advances. IIRC, the cash balance is tracked separately from your regular card balance, and payments first go to paying off the normal monthly balance, and when that hits zero, they go towards the cash advance balance. That keeps you paying high interest for longer if you can’t pay it off in full. You’d have to read your terms of service to confirm how your card handles this. Be careful to make sure you understand your terms.

    There are frequently special balance transfer offerings issued by card companies that allow you to transfer your credit balance from one card to another for a fixed initial cost (3% of balance seems normal now), and then you get up to 12 months at 0% interest. That can be a pretty good deal, but you would have to confirm if you could do a cash advance on one card, then balance transfer to a second one using a promotional offer and make sure the second card doesn’t still treat it as a cash advance balance, which would likely be subject to immediate high interest rates. This is probably the most likely scenario. However, if you can confirm they treat the transferred balance as normal, it would end up being cheaper than a year at LOC interest. Then you pay it off in full with the LOC and repeat, assuming you get another offer. I think it is more likely banks will look out for each other and that won’t work for cash advance credit card debt, but hey, maybe there are banks that just want your business and only a little cash instead of a lot.


  • Didn’t join the site to download the pdf, but it looks like it is trying to find a correlation between wanting to leave the public service and answering a survey question about how often you can use your preferred language. As such, I am not sure if they have any follow up queations on why people answered what they did in the survey, but it could be as simple as they have to interact with unilingual people. Even if they have a bilingual boss (who, even at CCC may not be very good), they may not have bilingual clients or team mates and therefore have to work in one language most of the time.

    IT in particular can be tricky, since most things are only English. A lot of software tools only come in English, and a big chunk of vendor support is from the US and often does not have a French option. The contractor pool is also largely English since the Canadian private sector doesn’t require bilingualism for tech workers.





  • The device at the police station works no differently than the roadside one. It is just considered more accurate in that it gives a number value to represent the estimated percentage of alcohol in your blood, based on the concentration of VOCs in your breath that have methyl groups. Roadside only does pass/fail/warn. The only way to actually know what is present in your system is a blood test. People don’t normally get breathalyzers unless there is a reason for it, even at RIDE checkpoints so yes, we may introduce a possibility of incriminating someone based on the results of a breathalyzer test alone. Unless we just stick to probable cause.



  • I think they are trying to denote the trend. According to autotrader (the source of the headline claim), it was 68% two years ago and has been dropping by about 10% a year. Pretty sure the Musk factor sucked the wind out of Tesla’s sales, and then there are the stories from the article where people get saddled with a massive 20K repair bill after 8 years of ownership. I’m sure that’s an outlier, but you just don’t get bills that high with a gas car. And as much as the government wants us all using them by 2035, they have done sweet bugger all to build up the massive charging infrastructure required to get people over their range anxiety. That doesn’t instill much confidence in prospective buyers.






  • I use a tiny drill bit to make a hole in the centre of either side of the damaged joint, then cut a piece of metal tubing (hobby shops sell them) or a piece of plastic such as filament from a 3D printer (getting a ~1cm piece of PLA from your local library is probably free) to use as a pin to fit into the holes and reinforce the joint. Then once you are happy with the fit, glue it all together. If it is really tiny, you may not be able to pin it and then glue might be your only hope. Depending on the weight of the parts and material, crazy glue is usually pretty good for most situations. With plastics, where I need it to grip right away and hold its own weight, I like Testors modeling cement. Way better initial hold than even the gel crazy glues.





  • I think the idea is that you will not necessarily choose near zero carbon alternatives such as cycling to work or buying an electric car. Those simply won’t work for most for a variety of reasons. But by bumping the price of gas, it makes people who can’t or won’t choose an alternative very aware of the cost of going anywhere, and causes many to drive more sparingly by carpooling, waiting until they have multiple reasons for trips or choosing not to go out every weekend. For those with deep pockets it is probably little more than an annoyance that won’t change their behaviour, but increasing fuel prices works very well to curb overall demand.