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Joined 2 years ago
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Cake day: June 29th, 2023

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  • Oh, that’s easy. The BoC overnight rate is only one of the factors that go into the Prime Rate, which is determined by the banks themselves. The Prime Rate is also down by about half a percent.

    Credit card rates on the other hand, are set by the banks based on how much they want to rip you off. The only government involvement there is that the card has to stay under the criminal interest rate, or 48% APR.

    The current Government has proposed to reduce that rate to 35% APR, but we’ll see.

    In short, your MP won’t be able to help with your credit card, because cards are issued by the banks, not the Government. Personally, I’d love to see Canada Post get into personal banking, but it’s a bit of a pipe dream.



  • My first vehicle was a 1971 Ford 3/4 ton. It was extremely reliable and tough. Having sat for most of the previous 30 years in a barn, it even looked good.

    But it had all of the safety features of 1971. Power brakes the would lock up and throw you off the road if you more than thought about braking. Lap belts and a solid steel steering wheel to smash your teeth on. If you somehow hit the steering wheel hard enough to break it, you’d be impaled on the steel pipe steering column. Speaking of the steering, it didn’t have power steering, so if you hit a rut on a rough road, the steering wheel would spin out of control. You had to just let go of it until it stopped spinning lest it break your thumbs. Also, the gas tank was inside the cab behind the seat for extra car crash fun.

    It was a beautiful death trap. I kinda wish I could have put it back into a barn for another 30 years instead of selling it.











  • One nice thing about learning (and teaching) python is that it’s a multiparadigm language. Students don’t have to learn about indenting until you cover flow control. Classes and OOP can come way, way later.

    I started with C++. Also multiparadigm, but the syntax and compiler errors were brutal, not to mention pointer arithmetic.

    I’m not sure I can think of a language that would be better suited to learning. GDScript seemed kind of nice, and you get to make games.