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[Edit]: Sit tight while I reformat this. Reddit isn’t being nice this morning.Learn to calculate expenses over at least 5 yearsExamples:$500k Mortgage 5 year fixed rate mortgage with 25 years amortization, accelerated by-weekly payments: – 1.79% = $826.77 – 1.60% = 808.8 You’re thinking, $17.97 difference, that’s trivial. But, that’s over 130 payments which is $2336.10 and I know you’d rather have that in your pocket than the bank’s!Cell Phone Plans: – 15GB/mo All inclusive for $65/mo – $10GB/mo All inclusive for $50/moThat’s a $15/mo difference, $16.95 after you add 13% tax. Over 60 months this means $1017. I know contracts usually run 24 months but you’re more likely to stay at the same price or higher unless you’re relentless about calling them for discounts.Netflix – $9.99 vs. $14.99 vs $18.99. – Over 5 years this is $599.40 vs. $899.40 vs. $1139.40 so you pay an extra $300 to $540. If you don’t need the top tier, don’t pay for it.Starbucks Coffee Daily for Two (Grande/Medium)(You’ve seen this one before!) – $5.99, taxes in. Let’s take 252 work days minus 20 for vacation etc, leaving you with 232 x $5.99 x 5 years = $6948.40 ~Holy Shit!~ – $8.93 for two Venti Americanos = $10358.80 – $10.74 for two Grande Cappuccinos = $12458.40If Starbucks was selling $12458.80, five year memberships, for two Cappuccinos every week day, would you sign up? What if they told you it’s only $207.65 a month?Now let’s compare it to the expensive gourmet shit by the pound. – Sumatra Mandheling, 1lb $13.46 per week, NO TAX.This is considered groceries. – A pot of coffee is a bit larger than two grande from Starbucks. – $13.46 x 52 weeks x 5 years = $3499.60I’m as much a creature of comfort as the next guy/gal. It’s okay to spend $12.4k on coffee if that’s the shit you love and it makes you happy. This is just one tool to add to your toolbox. via /r/PersonalFinanceCanada https://ift.tt/3tBAQdq

Learn to look at the real cost of what you’re buying.

March 19, 2021 No comments Article

[Edit]: Sit tight while I reformat this. Reddit isn’t being nice this morning.Learn to calculate expenses over at least 5 yearsExamples:$500k Mortgage 5 year fixed rate mortgage with 25 years amortization, accelerated by-weekly payments: – 1.79% = $826.77 – 1.60% = 808.8 You’re thinking, $17.97 difference, that’s trivial. But, that’s over 130 payments which is

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I’m fairly new to C#, but not new to programming. I’m trying to wrap my head around Identity, Authentication, and Authorization as I try to set up a custom auth provider in an ASP.NET Core project I’m working on (for work). Can anyone point me to a decent guide to walk me through it?The Security and Identity overview on Microsoft’s site is getting a bit overwhelming, especially when I start tackling all the sub-projects in https://ift.tt/2uuTZV1. As someone else pointed out on the C# Discord server, that’s the actual source for ASP.NET but it’s also where Microsoft’s docs point you while basically saying “look for ways to implement here” for example.I could really use a gentler, but comprehensive, guide. via /r/learncsharp https://ift.tt/30QiokH

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Just wanted to give a shout out to u/coast-to-coast88 for posting this a while back.Unbeknownst to me I’d already completed step 1 back in December 2020 by blending and extending my then 3.14% rate down to a 2.76% rate with Scotia. Had 3.5yrs remaining on the 3.14% at the time and cost to break was like $27k.After reading that post and associated article I jumped on to an application with Tangerine (where I bank anyway) right away. Long story short I’ve just finished switching from my blended 5yr 2.76% to a 1.69% 5yr fixed with Tangerine. Plus HELOC went from 2.95% to 2.35%. Tangerine also kicked in an extra $1750 to cover lawyer fees and appraisal. Break fee amounted to $2800 plus $250 discharge fee.That’s a net saving to me of over $18000 over 5 yrs.And as an aside, throughout both rate reductions we’ve kept our payment the same accelerated b/w amount that we were originally paying on the 3.14% term. Resulting in about $25k less owing after 5yrs than had I done nothing and just kept the 3.14%. via /r/PersonalFinanceCanada https://ift.tt/3cCTivj

Thank you to u/coast-to-coast88 for saving me $18k

March 17, 2021 No comments Article

Just wanted to give a shout out to u/coast-to-coast88 for posting this a while back.Unbeknownst to me I’d already completed step 1 back in December 2020 by blending and extending my then 3.14% rate down to a 2.76% rate with Scotia. Had 3.5yrs remaining on the 3.14% at the time and cost to break was

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I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me that they could see the cheque had indeed been cashed by Questrade, and Questrade could not find it. I have been going back and forth between them and even when Questrade contacted Manulife directly, they just basically went “well we sent the funds already” and closed the ticket. I kept harassing them and eventually they investigated.Now, six months since the transfer initiated, Manulife has finally determined that the cheque was intercepted by some random lady in Toronto and fraudulently cashed on Nov 16, 2020. They are saying that they will have to see with the bank “if my funds can even be recovered” and it will take two more weeks. Do I have recourse? Can I demand Manulife resend the full amount plus 9.6% (the amount the S&P500 has gone up since the cheque was cashed)The icing on the cake – if the funds are recovered, they gave me the option of a currier cheque or a wire transfer… so they can do it more safely, they just didn’t want to.Tldr: Manulife transferred my RRSP to Questrade by cheque in the mail and has cost me 6 months of time in the market because the cheque was stolen via /r/PersonalFinanceCanada https://ift.tt/3llk92M

My RRSP transfer from Manulife to Questrade was stolen

March 16, 2021 No comments Article

I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me

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I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me that they could see the cheque had indeed been cashed by Questrade, and Questrade could not find it. I have been going back and forth between them and even when Questrade contacted Manulife directly, they just basically went “well we sent the funds already” and closed the ticket. I kept harassing them and eventually they investigated.Now, six months since the transfer initiated, Manulife has finally determined that the cheque was intercepted by some random lady in Toronto and fraudulently cashed on Nov 16, 2020. They are saying that they will have to see with the bank “if my funds can even be recovered” and it will take two more weeks. Do I have recourse? Can I demand Manulife resend the full amount plus 9.6% (the amount the S&P500 has gone up since the cheque was cashed)The icing on the cake – if the funds are recovered, they gave me the option of a currier cheque or a wire transfer… so they can do it more safely, they just didn’t want to.Tldr: Manulife transferred my RRSP to Questrade by cheque in the mail and has cost me 6 months of time in the market because the cheque was stolen via /r/PersonalFinanceCanada https://ift.tt/3llk92M

My RRSP transfer from Manulife to Questrade was stolen

March 16, 2021 No comments Article

I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me

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A survey with over 200 responses reveals why product research is broken and how we can fix it.At buyforlife, we want to solve the biggest pains when researching a product before a purchasing decision. To focus on the right features in the future, we launched a BIFL survey.We analyzed the results and discovered some interesting findings. As we posted the survey here on Reddit, it might be a bit biased towards this platform.How people are doing product researchThe amount of time we are investing in product research is mostly dependent on the price of the product we are planning to buy:88% of the consumers check user reviews before making a purchase. This is a major opportunity for businesses to get their products in front of customers before they make a purchase.When buying a product that costs less than $100, people spend a few hours doing research**.**When buying a product that costs more than $300, people spend a few days doing research.Where do people find new products?There are no real surprises about where people are finding new products. Like most people, they’re going to be looking to Google, friends, family, Amazon, Reddit, retail stores, and ads and social media.GoogleFriends-/Familiy RecommendationsAmazonRedditRetail stores/Online shopsAds and Social MediaWhere do people research products?On average, people visit five websites for product research before making a purchase.The top websites for product research are:RedditAmazonConsumer ReportsWirecutterYoutubeReddit is the number one website for product research due to its tight knit communities where people discuss the many different aspects of a product or product line which then leads to the discovery of an even better product. Amazon is also on top of the list due to its vast variety of products and ability to compare prices with other retail stores. If you ever wanted to read a little more hands-on and in-depth reviews, go to Consumer Reports or Wirecutter.What are the top things that people check before making a purchase?With everything from appliances to clothes, there are different things to consider before making a purchase. It’s important to look at user reviews, to see what other customers have to say about products. What are their opinions on a product? Is there anything they dislike about it?These are the top things people look for before they make a purchase:User ReviewsPrice ComparisonIn-Depth Analysis (e.g. Wirecutter)VideosWarrantyEnvironmental Impact/SustainabilityRepair Service/ Replacement PartsDiscounts/CouponsThe biggest frustrations with product researchProduct research, a necessary task for purchases, should be a breeze. Unfortunately, it’s not. There are many points of frustration, but these are the biggest ones:Fake reviewsSponsored content / AdsIt takes timeInconsistent metrics and info across sitesLack of long term use informationAvailability in my countryHow we are going to solve these issuesProduct research can be frustrating. Based on the findings, we have taken steps to improve the process and offer better service:1. Summarizing reviews to save your timeWe built a service called built a new service called reviewr.ai. It’s like having a team of people reviewing products for you and summarizing the important points. Our AI generates a brief and concise summary of all the reviews.2. Filtering out irrelevant and fake reviewsWe run statistical analyses to spot discrepancies and contradictions among reviews and filter out fake reviews.3. Aggregating reviews from all over the webWe are collecting reviews from the most trusted sources on the internet and save them in our database. By doing a sentiment analysis, we can see which products are well-liked, which are not, and which have mixed reviews. This way, you just have to visit one website instead of multiple ones.4. Tracking the longevity of productsWe recently introduced a new feature on our platform: Recurring Reviews. After every year, the reviewer will receive an automatic reminder to assess the condition of the product and if the reviewer is still happy with it. This is how we can follow the whole lifecycle of a product.Let us know what you think! Any feedback is appreciated. We are working hard on improving buyforlife every day, stay tuned! via /r/BuyItForLife https://ift.tt/3thlevj

Why product research is broken and how we’re going to fix it

March 13, 2021 No comments Article

A survey with over 200 responses reveals why product research is broken and how we can fix it.At buyforlife, we want to solve the biggest pains when researching a product before a purchasing decision. To focus on the right features in the future, we launched a BIFL survey.We analyzed the results and discovered some interesting

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I’m new to the dotnet ecosystem (coming from the JVM) and wanted to share this simple CLI project with you for feedback.https://ift.tt/3rR7kQs is a very simple tool that does AES encryption/decryption given a key and a file path.In order to add unit tests to this project, do I actually require creating a solution, and then creating a separate unit test project which imports this app?Should I delete my existing repo and set it up from scratch using the solution approach? Are github repo defined at the project level or the solution level? via /r/learncsharp https://ift.tt/3le01Q1

How to modify a CLI project to include unit tests?

March 13, 2021 No comments Article

I’m new to the dotnet ecosystem (coming from the JVM) and wanted to share this simple CLI project with you for feedback.https://ift.tt/3rR7kQs is a very simple tool that does AES encryption/decryption given a key and a file path.In order to add unit tests to this project, do I actually require creating a solution, and then

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When I was furnishing my kitchen for the first time some years ago, I had done my research here and elsewhere on what brands and items were worth spending the money on. As many of you know buying quality items for a kitchen can get EXTREMELY expensive. I was talking with my older brother about exactly this when he gave me the advice to buy a few core quality items, And just cheap buy everything else.He reasoned that a few good saucepans and a nice boiler with a cast iron skillet and a good knife, would be worth buying first and buying well. Everything else you could just replace as you went along when they break or aren’t quite what you’re looking for. This spreads the cost out over time instead of one or two large lump sum purchases. Plus the added bonus of not buying expensive name brand items when something cheap can do the job just as well for just as longThought this might be a useful financial strategy for other like me who can’t just buy a full all clad or le creuset set in one go. via /r/BuyItForLife https://ift.tt/3lb07YG

I’m a psychologist currently providing online psychotherapy. I’ve been providing therapy for several years now and specialize in treating people with a history of perfectionism and anxiety. While I can’t provide therapy over reddit, I am happy to answer general questions about symptoms and treatment of anxiety, online therapy, and mental health/psychological issues in general.Outside of the therapy room, I love young adult (YA) and sci-fi stories! Harry Potter, Doctor Who, Supernatural, The Magicians, etc.My proof: https://ift.tt/38yFSiE This post is for educational and informational purposes only and not therapy or a substitute for therapy. If you’re experiencing thoughts or impulses that put you or anyone else in danger, please contact the National Suicide Help Line at 1-800-273-8255 or go to your local emergency room.Edit 11:12AM EST: I’m loving all of these questions! I am going to try my hardest to answer as many as I can throughout the day. Keep them coming! :)Edit 1:13PM EST: Wow, thank you all for the questions! I am going to take periodic breaks and answer as many as I can.Edit 5:45PM EST: I am still here! I am taking my time and trying to answer as many as I can. I will edit the post when I am no longer answering. I’m hoping to answer as many questions as I can over the next few days. I appreciate all of you sharing and being vulnerable. I am reading every single post. Please keep in mind that I can’t answer super specific, personal questions and am doing my best to give resources and general answers when possible in those situations. via /r/IAmA https://ift.tt/2NeE6Mc

I’m Dr. Morgan Levy, a psychologist specializing in therapy related to anxiety and perfectionism. Ask me anything!

March 13, 2021 No comments Article

I’m a psychologist currently providing online psychotherapy. I’ve been providing therapy for several years now and specialize in treating people with a history of perfectionism and anxiety. While I can’t provide therapy over reddit, I am happy to answer general questions about symptoms and treatment of anxiety, online therapy, and mental health/psychological issues in general.Outside

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We are the Microsoft Excel product team. Come ask us anything, from XLOOKUP to Sheet Views to lambda functions. Our whole team will be online answering your questions starting at 10 AM PT on March 10, 2021. Proof: https://twitter.com/msexcel/status/1361792480723795971/////That’s a wrap for today, folks! Our team will continue to work through your unanswered questions offline.Thank YOU so much for your time and your questions & feedback!Please fill out this short survey at https://ift.tt/3bzQboH to let us know what you think of this AMA and future AMAs. via /r/IAmA https://ift.tt/38u55dZ

We are the Microsoft Excel product team. We build cool stuff like XLOOKUP, Sheet Views, and lambda in Excel. AMA!

March 11, 2021 No comments Article

We are the Microsoft Excel product team. Come ask us anything, from XLOOKUP to Sheet Views to lambda functions. Our whole team will be online answering your questions starting at 10 AM PT on March 10, 2021. Proof: https://twitter.com/msexcel/status/1361792480723795971/////That’s a wrap for today, folks! Our team will continue to work through your unanswered questions offline.Thank

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