buncha folks talking about savings accounts and rates, its easier to think of accounts in three categories: loans, savings, demand. The last one being where the money’s available to you ‘on demand’ with no extra conditions – ie. a chequing account, or a ‘savings’ account with a low rate… because the money’s available on demand.

Higher rate savings accounts are common, I don’t know why people almost always seem confused by the notion. You get a term deposit/gic or whatever, where you lock money in for X period, to get a higher rate – and if you tap that money before the period’s over, you lose the interest.

Locked in deposit rates will almost always be about 1-2% lower than regular mortgage rates that people pay, with CUs using the difference for operation costs. So like my CU has mortgage rates just shy of 5% at the moment, and term deposit rates of around 2.7-3% give or take. A rate cut was just announced in Canada, so those will likely go down a bit this week.

Yeah… I’ve made comments before online about how walkthroughs/guides etc tend to ruin games. The response from left leaning folks was a ton of downvotes, largely with comments about how I was an asshole who wasn’t thinking about people with this or that disability that need that sort of guide.

I’m amazed you seem to be getting support for the sentiment. Just shows how much some groups hate AI I guess.