• 6 Posts
  • 79 Comments
Joined 1 month ago
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Cake day: February 14th, 2025

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  • There is a long road before we make crypto friendly for small Internet transactions for the general public. Interac is 80% there already. 5 % of the job is having Internet infrastructure accept Interac and big players like Shopify can make it work in a heartbeat. Transactions outside of Canada won’t support Interac for the foreseeable future. The last 15 % is a law, in Canada, that protect fraudulent transactions up to 75$ / the ability to reverse a charge if you don’t get what you payed for.

    Any suggestions and ideas should be aimed at solving the second problem. An incomplete fix would be a dedicated account that your bank won’t connect to your main account outside of your self initiated transfers. Having the ability to reverse a transaction and some level of fraud insurance will involve higher fees. Canadian banks can make Interac as attractive as Visa if they want, but only for domestic transactions.



  • Yes everything is trending lower. Here’s an interesting perspective: 9 trillion of US debt will mature in 2025. This is about 25% of their total debt. A 1-2 % difference on the interest rate on this colossal debt will impact the capacity to spend of the whole US government regardless of political inclinations and approach to taxation. To avoid a rising interest rate on that debt there is a need to cause a crisis and create a reason for low interest rate. The current administration’s official narrative calls for a short lived volatility: because at the end of 2025 it won’t matter as much and hopefully the US government will then stop pouring gasoline on the fire. Also this process can help further reduce debt with inflation and help friends that are asset rich.

    My thesis is a crescendo of crisis until June-July then decrescendo with successful negotiations after August. Best time to buy leap calls would be early summer if that thesis stand the test of time.

    https://finbold.com/9-trillion-of-us-debt-will-mature-in-2025-should-investors-be-worried/




  • Growing up, my father told me that Quebec bashing was a frequent occurrence travelling inside Canada. Frog jokes for example. (He was military and lived everywhere for a decade in the 70) also inside Quebec before French Canadian got a better access to university education it was mostly French speaking workers exploited by English speaking bosses.

    Those divisions fueled resentment and the independence movement or at least that was my father’s thesis. I, myself, never felt a division along those line.

    Now that Trump gives us a reason to fight together for a society where healthcare, education and human dignity having value independent of one’s ability to hold a job, I expect a united Canada for a while.

    You don’t need to be fluent in French but showing that you care to learn a bit shows enough respect to open the door for more collaboration.






  • To add : Support communication infrastructure outside of AWS : that can be as simple as showing up on Lemmy regularly, visiting CBC website and a variety of Canadian information sources all the way to having a computer offline with a copy of early 2025 Wikipedia and various open sources software and decent local LLM.

    Community involvement will be for two objectives: increasing preparedness is evident but also your own mental health that will be way more stable with you actively doing something tangible + the support network.









  • Pay your debt and stop spending on anything: not for a few days but for 1-3 trimester or even more. Use your car less often and use a bike instead is also a way to spend less in gaz and in future healthcare. Grow a garden and maintain your house yourself. Leave most mainstream social media and use open source software. Volunteer in your community and stay informed with reliable sources… Only for those in Canada can we then add : buying made in Canada from Canadian owned business as best as your financial situation will let you. We Canadian will boycott US for the next decade at least.

    In a war fighting is important but preparedness and logistics are what makes fighting effective: be prepared and starve your opponent economy is what happens in this phase of the war.



    1. if you aren’t deficient you most likely have many months of b12 store.

    2. the tablet is about 1000x what your body can absorb daily. Don’t take two.

    3. unless you are just starting the treatment for a profound deficiency don’t sweat about it, but do build yourself a better system to remember.

    4. you won’t be anemic because you forgot a few dose, same thing with neurological symptoms: if you feel bad there is probably another explanation.

    This isn’t medical advice because we don’t live under the same laws and maybe i don’t have your full information…

    Some vegan look into yeast as a source of b12 : same problem than the tablet you need to remember to add it to your recipes. Since your lack of b12 comes from a diet choice we can expect your stomach to produce the “intrinsic factor” required to absorb b12 : you are fine.