DeepChill

Kerb, tyre and Hoover are a hard no for me. Two are weird and one is a trademarked brand name (yes, I say facial tissue not Kleenex) I wouldn’t Dyson my living room so why would I Hoover it? We already say fish & chips and we have chip wagons not food trucks. I’m happy with that and spelling colour and flavour with a “u”. Cheque with the “que” is always going to be better than “check”. Lorry sounds silly, I’d rather use their other commonly used term “HGV”. I’ll add that I say trash bin rather than garbage can. Last but not least… it’s pronounced zed not zee!!

That’s Lou’s studio from Unbox Therapy on YT. Article

Should also check out https://firesmoke.ca/forecasts/current/

I wonder if that’s why their huge presence at the grocery store after the Tangerine Twat started attacking Canada has all but completely dried up. The only option I saw for Kicking Horse last time out was small bags of pre-ground coffee. No more whole beans and no more variety of blends etc.

You assume privilege. Let me correct you. I work two jobs and put in over 70hrs a week. I’ve been doing that for over 10yrs. That’s not privilege, that’s working my ass off to get ahead. I will admit that I’ve been very lucky in that my line of work was not negatively impacted by Covid. But that’s as far as I will concede.

Who doesn’t spend $500 a month these days? Cellphone, gas & groceries would be that much or more. The fees are waived if you auto deposit your paycheque ($4k/moth or more).

From the FAQ….

How is the Wealthsimple credit card different from the Wealthsimple prepaid Mastercard? The credit card is a way of borrowing money, while the prepaid card is spending your own money that is already in your chequing account. When applying for the credit card, a credit check is required and using the card will affect your credit score — good payment history helps, while missed payments may affect your score negatively.

The cash back rewards are higher on the credit card, and it comes with some additional benefits like insurance and access to the Visa Infinite perks.

One other benefit that never gets mentioned and people don’t realize. Credit cards are safer for you as the consumer when it comes to fraud. If your card is compromised by a shady vendor it’s not your money that gets stolen. It’s the credit card company’s. It’s up to them to get it back. Using a debit card means it’s YOUR money that gets stolen and it’s up to you to fight to get it back. Meanwhile, your car payment or rent might bounce because your chequing account has been emptied.

Looks like a no brainer. If you’re already a Wealthsimple client they ask you for consent to do a soft inquiry on your credit report. I like that a lot more than a hard hit. Especially for something I know without a doubt I’m qualified for. Time to get rid of a card I’ve been meaning to ditch for a while now (no rewards at all).