fincurious

I am able to get the iPhone 17 for $535 USD or the iPhone 18 Pro for $800 USD, both 256GB (~33% discount comes from a perk of my credit card).

Is the price difference ($265 USD) worth it? Future proofing is the main thing that intrigues me in the difference (12GB vs 8GB memory and A20, for example). Longer battery life also valuable to me. The extra cameras, etc. are nice to haves, but not a reason I would upgrade alone.

Thoughts?

I am able to get the iPhone 17 for $535 USD or the iPhone 18 Pro for $800 USD, both 256GB (~33% discount comes from a perk of my credit card).

Is the price difference ($265 USD) worth it? Future proofing is the main thing that intrigues me in the difference (12GB vs 8GB memory and A20, for example). Longer battery life also valuable to me. The extra cameras, etc. are nice to haves, but not a reason I would upgrade alone.

Thoughts?

Are there any rumours of a new generation of the Timemore Bricks 01s? I'm considering the Fellow Opus Gen 2 but the Timemore Bricks 01s is a close contender.

I'm curious how others would compare IEMs to Open-Back Over-Ear Headphones. I've been following this sub for a while and considering the Truthear Hexas. I currently have a pair of Sennheiser HD 58x's. Any thoughts on comparisons? Better / worse / different?

Hi all - is there an app (web or mobile) that allows you to see all of your credit card balances in one place? Logging into multiple accounts is frustrating and time consuming :). Would prefer something that is free. Thanks!

Hi all,

We recently had an over 5 hour delay for a flight from Canada to the UK. There was a delay in the first connection, which led to missing the second flight - this is what caused the overall 5+ hour delay from start to finish.

I submitted the claim; however, Air Canada came back saying, "After investigation, we have determined that the root cause of your flight disruption was weather, a reason that was outside of our control."

However, at the airport, they gave two different reasons for the delay. Initially (the first notice of delay) it was:

"This flight is delayed because the cabin crew needs more time to prepare for departure. Cabin crew departure preparation delays can ha

Hi all,

I got in a minor fender bender in the parking lot. I'm at fault. It turns out that the cost to fix my car is very low, but the other party's is higher. They would like to go through insurance. If I pay for my repairs out of pocket and they go through insurance, would this count as a claim against me (ie. will my rates go up)? It would seem intuitive that my rates would go up, but my confusion lies in that they file their claim with their insurance company, not mine, so perhaps my insurance isn't affected?

Thanks!

Does anyone have any experience purchasing rims / wheels from Costco (via c-wheels.ca)? How have they been over the years? I'm looking at the "Saturn" model. Thanks!

Although I've found other posts here on instalment payments, I haven't been able to find something on my specific case. I also called the CRA to ask the question, but the agent did not know the answer. Hopefully someone can help!

I received in instalment notice in January which only had to amounts owing - one for March 15 and one for June 15. I made each of those payments, essentially following payment option 1 of the options given on the notice (No-calculation option).

Now, in August I received a new notice that has those same two dates and amounts, but adds instalments due on Sept 15 and Dec 15. These are much higher numbers as I had an outlier amount of tax last year. This year will be

Are there any advantages / disadvantages between holding either XAW or VXC in a non-registered / taxable account? For example, is one more tax efficient than the other because of higher foreign withholding taxes due to the way they are structured (ie. underlying holdings)?

Like many, I was affected by Horizon changing their HGRO ETF to HEQT and starting to make distributions, where one of the advantages of HGRO was that it would not make distributions to be more tax efficient in non-registered accounts.

Does anyone know what is generating these distributions? The underlying holdings are HULC, HXDM, HXT, HXQ, and HXEM. My understanding is that all of these are non-distributing ETFs. If all of the underlying holdings of HEQT are non-distributing, why is HEQT distributing?

I'm planning to do some home renovations. I have the savings to be able to pay for them from my TFSA. However, I would prefer not to sell these investments (broad market ETFs like VEQT).

I understand that the interest from a HELOC is not tax deductible for renovations since the renovations don't generate income (this is for our family home, not a rental).

What I am thinking of doing is selling the ETFs in the TFSA and then at the same time buying the same ETFs in a taxable account using money from the HELOC. I would then use the funds from the TFSA for the renovations. The net effect is I would now have investments in the taxable account that were bought with the HELOC and so the interest

When I last started looking into doing some home renovations (~12 months ago), it was challenging to find contractors who weren't so busy that they even had the time to give a quote and I'd prefer to wait until they have a bit more time to spend with each client.

Curious if anyone is seeing any decreased demand for home renovations / contractors with increased interest rates, etc?

I recently upgraded to Bell Fibe 1.5 Gbps from Rogers and came across this great guide from u/lions2lambs. I have a mesh router setup (Asus AiMesh) and the HH 4000.

I'm sure this is a dumb question, but what is the advantage of putting the HH4000 into bridge / PPPoE vs. just plugging the 10 Gbps port of the HH4000 into the WAN of one's own router? I understand the advantages of using one's own router instead of the router functionality of the HH4000, but what do you get in addition to this by bypassing the router functionality of the HH4000?

Hey all, has anyone had any success trading HISA ETFs via BMO Investorline? Some examples are PSA, CSAV, HISA, and HSAV - perhaps there are others as well. I'd rather the higher interest rates provided from these than BMO's products or having to lock in for longer periods with GICs. Thanks!