> WealthSimple is probably not perceived by the median customer as a traditional bank.
Well in fairness Wealthsimple is an investment management platform providing some bank-like features through their partnership with other Schedule 1 banks (previously was Equitable Bank, don't know if they are still with them).
Wealthsimple calls themselves a non-bank [0]. My understanding is that when Wealthsimple says that funds are CDIC ensured, they mean that they are held in a bank account from a third party bank whose funds are CDIC ensured.
I am not a lawyer or a banker, but Wealthsimple always scared me a bit after seeing what happened to (albeit far sketchier) Yotta when a fintech company they relied on (Synapse) folded. While funds are insured, if your funds are not "lost" but simply inaccessible, the insurance isn't really worth anything. Likewise, my understanding is that if WS goes belly-up (unlikely) there's a possibility where funds are still made inaccessible and the CDIC insurance doesn't kick in since the third-party bank is still alive and well.
Tangerine still insists on making login credentials your account number, and a 4 digit pin. There used to be a second system where they'd show you a secret combination of images after login and you'd provide an answer to one of four security questions, which kinda made things better as I just provided passwords as the answer to the questions, but now they've replaced that with drumroll SMS 2FA.
Security is a clown show at Tangerine, I no longer use it and can't suggest other folks do.
As someone who loved both C&C games and Impossible Creatures growing up and has played them recently, it mostly boils down to the flavour and soul of the game for me personally.
It feels really cool to escape into these worlds, each unit and building feels alive and unique.
They're mechanically not the best games, but that's never gotten in the way of the fun factor for me :)
I use Brave Search exclusively after migrating from DuckDuckGo a year ago or so, and I'm very satisfied. I didn't like that DDG relied on the Bing index, and the ads were starting to get a bit intrusive for me.
Brave's integrated LLM can be a bit annoying for how it reflows the page, but it can be disabled with a cookie and frankly it's been pretty helpful.
How much longer will OpenAI/Anthropic/Google be able to offer usable free tiers of their agents? Because imo this "death of the open web" is predicated on that.
Furthermore, Im skeptical we'll have the generous free tiers we have today for much longer. OAI and friends can only afford to burn millions on GPU cycles for non-paying customers for so long, and so long as we can continue to do web search for free I dont really see agents being a threat.
Joe Palrang (the guy who drew him) and the Java team called him 'Fang' (he looks like a tooth right?) Somebody didn't like that name (I don't recall if it was corporate or Kim Polese) and at some point the word went out that his name was "Duke".
I can imagine that they are reminded of its original meaning, sapping any sort of desire to use the term. At least, that's how I feel about many of these "problematic" words.
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Well in fairness Wealthsimple is an investment management platform providing some bank-like features through their partnership with other Schedule 1 banks (previously was Equitable Bank, don't know if they are still with them).
Wealthsimple calls themselves a non-bank [0]. My understanding is that when Wealthsimple says that funds are CDIC ensured, they mean that they are held in a bank account from a third party bank whose funds are CDIC ensured.
I am not a lawyer or a banker, but Wealthsimple always scared me a bit after seeing what happened to (albeit far sketchier) Yotta when a fintech company they relied on (Synapse) folded. While funds are insured, if your funds are not "lost" but simply inaccessible, the insurance isn't really worth anything. Likewise, my understanding is that if WS goes belly-up (unlikely) there's a possibility where funds are still made inaccessible and the CDIC insurance doesn't kick in since the third-party bank is still alive and well.
[0] https://archive.is/58zoJ
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