Hi Everyone, one day i had a idea: Seeding my favorite Linux distros to support them. I just felt generous and wanted to help people out. Linux is very amazing and i want to support them, by giving healthier torrents. My internet is really good, 1000 Down and 400 Up, so i can seed fast and reliably. I also have a massive 2TB SSD.

I started out with Ubuntu (All LTS Versions from 14.04 to 24.04) and then Linux Mint, from versions starting from 17 to the latest. Seeding older operating systems isn't a good idea, but i still wanted to help, there is and will be someone that may want to try a older version of Linux to see what it felt like to use. For the older Linux Mint files, i could not find on the official site, i had to go to a 3rd party site, most of the torrents are dead, unfortunately, but i can bring them back to life.

What more distros you would recommend? Should i download even older Ubuntu and Mint versions? What do you think?

If you want, i may send a folder containing all the .torrent files!

Hello PFC,

Long time lurker first time poster. Jan 2025 my wife and I purchased a home. At the end of August we found a massive 1.5” crack in the foundation. In the 2 months since it has grown to 5” wide and the back of the house has dropped 3”. I shored up the inside of the house to keep it standing. We are looking at a full rear foundation wall replacement. Excavation was $65,000 for front and back (the front is showing signs of foundation issues too, though not as bad), and the estimated quote for the rear is in excess of $120,000-$200,000.

Insurance fully denied our claim (for now) and so we won’t get a single cent from them for anything (for now).

We both work full time, I’m currently on step 2 of 5 of pay scale (step 5 is $120,000, I’m currently at 75% of that. I get a 10% raise every September till I hit 100%). My wife makes ~$120,000 normally, but is currently on Mat Leave @ 93% top up. I also have a second job at $23.00/hr and ~ 20h a week (I work approximately 60-70 hours a week including my full time work).

This is not our first home. We put ~200,000$ down on this home after we sold our last one and moved across the country (which came with a $65,000 pay cut for me).

Pre-collapse debts are mortgage, one vehicle (5 years at $35,000 remaining). We have two kids, 3y/o and 5m/o. We own a vehicle outright, probably valued at ~$30,000 (though selling this is not an option now as we need it between the two kids).

Our emergency fund savings was used up to shore the house and keep it standing, and storage for our personal effects that had to be moved from the house. Wife was approved for a $60,000.00 LoC, and with excavation alone we’ve already near maxed it.

Because of my salary is low right now (compared to my last 5 and future 5+), I am not eligible for the loan amount I need to cover the cost of repairs. Our max for a HELOC was ~$40,000.

The credit union I reached out to said they are maxed on credit loaned this year and can only offer $30,000. I’m still waiting on meeting with the big banks, though if my wife’s max loan was $60,000 and she has slightly better credit than me I don’t know how much I’ll be able to get.

One option suggested to us is that we have either my in-laws or my mother (mortgage free) take out a HELOC to cover the cost, and once our house is repaired we open a HELOC and “transfer” the loan to our name/house. My wife said she’d rather declare bankruptcy than ask her parents (which I don’t think we’re eligible for anyways since we don’t have much debt, and the debt we do have we can easily service, again for now).

So that’s kind of where we are at. We’ve engaged with lawyers to see if that is an avenue, but right now I just need to find a source of funding to keep my house standing.

Thanks for your time.

Hi Questrade, could you please speed up the journal share transfer time? RBC processes it much faster — You can do Norbert’s Gambit strategy the same day and they don’t charge any fee for it!

Just a feedback. :)

Hallo zusammen,

Ich bin Investor bei Trade Republic und investiere seit Februar 2024 in ein Wertpapierdepot. Ich bin noch Anfänger im Investieren. Derzeit habe ich rund 500 Euro Kapitalerträge auf meinem Depot. Ich habe vor, meinen gesamten Investitionsplan auf eine PEA zu übertragen, immer noch auf Trade Republic.

Meine Frage lautet wie folgt: Ist es vernünftiger, meine Investitionen auf einem Wertpapierkonto zu halten, ohne neue Mittel hinzuzufügen, oder sie zu verkaufen, um alles auf die PEA zu übertragen, um die Steuervorteile und die Wirkung des Zinseszinses zu maximieren? Was sind die Vor- und Nachteile beider Szenarien?

Vielen Dank im Voraus für Ihr Feedback!

Does anyone have a recommended bakery that does deliveries? I'm not in CA so I want to have a cake delivered to a friend there for their birthday. If you have cake flavor suggestions for that bakery please let me know too! Thanks!

Hey everyone,

I (25F) and my boyfriend (26M) both work in tech. We currently make $66K and $75K per year respectively.

Lately I’ve been feeling really burnt out and kind of lost about what I actually want to do. I’ve been thinking about taking a year off to figure things out. maybe study something new, travel a bit, or just reset mentally.

Before doing something like that, I want to know realistically how much money I should save to make it possible without wrecking our finances.

Here’s what our expenses look like right now (in CAD): • Rent: $1,200 (shared between us) • Car (payment + insurance): $500 • Gas: $250 • Groceries: honestly not sure. we eat takeout most days, but we could cook more if I quit my job • Misc / phone / subscriptions / etc: ?? (probably another few hundred)

If I quit, we’d be living solely on his income (~$4,200 take-home).

Is it realistic to live on that comfortably in Canada (we’re in BC)? And how much of an emergency fund or savings cushion should I have before quitting for a year?

Would love some honest feedback or budgeting breakdowns from people who’ve done something similar.

EDIT: Thanks everyone for all your advice. I have decided to not quit my job and start to manage my stress some other way like yoga, gym, etc. I will also be tracking all our expenses and make sure we know where everything is going. Thanks once again

My mom wants to add me to the land title of the house she lives in. The intent is that when she someday passes (100 years from now 😭) its easier for me to inherit the house. Sell it and split amongst my siblings.

I have my own house with my wife. If I inherit the house it will become my second property correct? Meaning if I sell it, it triggers capital gains?

Or is it better my mom just puts in her will, give house to my kids. But will it trigger capital gains no matter what?

Ive been googling but getting mixed responses. Any advice? Or just go see lawyer or accountant?

Edit: Sorry for the way I worded it. My mom is not misinformed. She came up with the idea. And Im doing the homework for it now. So she’s not saying go on title, more like “go find out if that is easier, thank you my favorite offspring”.

I am coming up to my 5 year mortgage renewal. I'm working with the broker I did the first round. I communicated I wanted to pay down a large payment between the transfer from the old/current lender to the new lender. Their initial response was that there was a middle company that basically holds the mortgage between the transition and I could do a pay down during that.

They are now telling me that is not possible and I need to pay down with my current lender which has 20%/year which is less than I wanted to pay down. They then recommend to do the rest with the new lender, 15%/year.

That is certainly a solution, but I thought for sure I could do a pay down between switching lenders. Anyone know what is going on and if I am wrong or they are wrong?

Thanks!

My cousin is an independent tow truck operator. There is a long chain on the truck coiled up in the back.

He notched the dotmap of his seed phrase into this chain. Little notches he made with a hacksaw which have since rusted over. He told me he sees his seed phrase rolling by everytime he loads or unloads a car and finds it very reassuring.

I asked what about a backup? He told me that the chain he replaced the year before also had the notches on them. It is currently in his garage lying in a corner among a lot of other chains and greasy tools.

The only flaw in his tactic that I could see was that he told me about it. I guess he felt safe since I was a relative and had a lot more bitcoin than he has. I found it more secure than words stamped into washers in clear, thats for sure. If someone stole his truck they wouldnt give scratches on a long rusty chain a second thought.

Anyway, wild idea. To be honest i found it very creative.

Unbelievable. All that work to get a good backup of files + a Time Machine backup of my 8TB MBP.

Final step to done: Put in safe deposit box.

I thought for sure it would fit.

Edit: The box was advertised to be 3" tall x 5" wide x 22" deep. I swear I measured the drive and thought it would fit the 5" wide part.

We already have dozen variations of pregnant men, kneeling men, dancing rabbis, 4 kinds of public trams, and all sorts of barely used auxiliary signs, but no emoji for the most important asset in the world. 2T market cap, national reserve, GENIUS (not) act, and so on.
Unicode, WAKE TF UP AND BRING IT.

In speaking with Questrade, there is no retention department to try and keep you from moving your money. From what I understand the 2% reward is paid out over 12 months and is tax free. Why would we keep our money at Questrade. 2% is a very good reason to leave