• 0 Posts
  • 65 Comments
Joined 3 年前
cake
Cake day: 2023年6月23日

help-circle
  • For a regular personal loan it might be close. I can say over the last year my TFSA did a little better than the rate on my line of credit, but that’s just an anecdotal data point. Where it usually makes more sense is something like having a mortgage, which is generally a lower rate, making the minimum payments on a long amortization period and using any extra cash to invest. For a minimal risk investment like GICs and such the return is minimal. For a longer horizon, more volatile equity investments will do better, but also more risky for short term gains.





  • I heard there was a process for requesting additional data, but you have to actually pay for the 5 users and they’ll bump it a few TB every couple months on request. That’s from people reporting their experience with support, so it might not be totally consistent.

    I kind of get it though, people hear “unlimited storage” and then don’t even make an effort to be efficient with that space, and just want to keep everything forever. There’s a real cost to that storage, and it’s higher than many think since it’s not just a single HDD like many would have sitting on their desk but a series of arrays/pools and all the related systems to ensure reliability and uptime. They probably did some calculation where 99% of users would be profitable even with their “unlimited storage” and eating it on the other 1% was a reasonable advertising cost. Over time that calculation changed and they had to update the service.




  • I’ve had a few different First Aid courses and the instructors all have slightly different reasoning. One argument for compression only is potential for passing disease mouth to mouth, the newer courses tend to teach this because sometimes people that don’t feel comfortable doing rescue breaths will fail to do CPR at all. Another is that in cases where you’ve witnessed the event, the blood is already fairly well oxygenated and if medical help has a good response time the benefits of breaths are minimal. The first is more about compression only CPR being better than nothing, breaths are still advised where the rescuer feels comfortable doing so. The second is pretty situational.








  • I’m sure there’s applications where that’s true, but then you’re essentially talking about having a gas furnace plus a heat pump, so you’re installation cost is close to the sum of both systems. Energy rates vary by region, but around here electricity is about 7 times the cost of gas, so a heat pump running at a coefficient of performance around 3 would still cost twice as much to run as a natural gas furnace, it would be cheaper to just turn off the heat pump altogether and only use that “supplementary” heat.




  • Could be a larger demographic thing. Tech enthusiasts tend to have lots of devices(tablets, portable computers, etc.), so they tend to like the smaller form factor phones since they can always use their tablet/laptop when the small phone is limiting. Those people are also the ones you see in these kinds of online communities. For a lot of other people though, they’re getting the big phone and then not having a personal tablet/portable computer at all. Those aren’t the kind of people that hang out online and talk about tech stuff though.


  • Also agreed. However the manufacturers know how many of each device they sell and seem to think the smaller form factor devices aren’t very popular. I imagine there’s multiple reasons, like the smaller phones tend to also have lower battery life and lack other features due to size and they tend to appeal to people on tighter budgets that upgrade less often.