nebs

joined 1 year ago
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1
Web app or native app on iOS? (lemm.ee)
 

First started using ntfy around a month ago and I’m really enjoying it.

Question: are folks mostly using the native iOS app or the web app? Seems to me that the web app might be more full featured. I do miss having markdown formatting in the native iOS app.

Using mortgage cash account as HISA in c/[email protected]
[–] [email protected] 2 points 1 year ago (1 children)

Only the pre payment money is available to withdraw. I can prepay up to 20% of my mortgage every year. This feature of withdrawing your prepayment is available on regular BMO mortgages, I just switched to BMO in a 3yr fixed because they gave me the best rate.

My personal banking is with simplii and I’m not impressed with their HISA so thought about this scheme as a replacement.

Using mortgage cash account as HISA in c/[email protected]
[–] [email protected] 1 points 1 year ago (7 children)

Reading through how BMO explains it, it seems like pulling money out just adds back to the principle of my mortgage at the same mortgage interest rate, so no extra borrowing expense:

From BMO: “The re-borrowed funds are added to your mortgage principal at your existing interest rate for the remainder of the term.”

9
Using mortgage cash account as HISA (lemm.ee)
 

Anybody have experience using BMO mortgage cash account? This is where you can pre-pay down the principle and then supposedly withdraw those funds when needed. I’ve been frustrated by the terms and conditions on my daily HISA so thinking this could be a way to get the equivalent of 5.15% (my current mortgage rate) for money that I don’t need to touch frequently. Seems like I can’t do better than this even in a HISA ETF.

My concerns are: am I thinking about this the right way? (Paying down principle on mortgage is equivalent to earning that percentage in a regular bank account?). Does this BMO mortgage feature really work like this? It wasn’t advertised to me, I had to dig into it.

Volkswagen cuts jobs as demand for EVs plunges in c/[email protected]
[–] [email protected] 1 points 1 year ago (1 children)

Could it be that nobody wants to buy a VW EV? You know, the ones that leave you guessing where the temperature control is at night because their display has no back light?

https://www.vwidtalk.com/threads/touch-control-has-no-back-light.4501/

Monday: Silly Questions in c/[email protected]
[–] [email protected] 3 points 1 year ago (1 children)

Where’s the best place to put money in a high interest savings account?

I’ve been with simplii for a really long time but it’s not clear what interest rate I’m going to be getting in my HISA after the promotional offer and I really don’t like that the promotional interest isn’t paid out monthly.

Should I just sign up for an investment account and buy the equivalent of cash.to (which doesn’t seem to offered at big bank investment accounts)?

Self-hosted GitHub alternative? in c/[email protected]
[–] [email protected] 1 points 1 year ago

Why instead of gitea though? I thought the “for profit” stuff was only to provide the original developers of gitea the ability to provide paid support to commercial clients.

Canada demands Meta lift news ban to allow wildfire info sharing in c/[email protected]
[–] [email protected] 26 points 1 year ago

I wonder who should take the blame for being greedy though. The Canadian Bill C-19 was heavily influenced by lobbying from the Canadian news lobby group who even suggested the link charge.

Canadian news outlets suggest the link fee and then complain about the consequences.

https://www.michaelgeist.ca/2022/04/how-did-news-media-canada/

“In fact, not content with obtaining payments for reproduction of news content, it lobbied for a far broader approach that even includes payment for links or merely “facilitating access” to news content.”