Canada has essentially 6 big banks, instant transfers using Interac has been the most common way of transferring money for years (it launched in 2003) and payment using NFC has been the norm for a decade.
The mobile phone apps are probably just as bad, but e-transfers (Interac, EMT, whatever you want to call it) generally work pretty well. And they're still somewhat of a hassle compared to I guess Venmo or Cashapp or... I've never used those but they seem pretty slick in comparison to having to go into a banking app, set up an EMT Payee using email/phone number, set a password on the transaction, hope that they remember to cash the EMT before it expires, etc.
I have bought and sold well over a hundred items on Marketplace in the past few years. There are scams, mostly from buyers wanting you to ship items to them, but insisting on in-person transactions nullifies most of them.
I've even shipped and gotten some items shipped in rare cases from people who I could verify the identity.
This is in Canada (Québec), so I guess mileage may vary.
I agree that their app isn't particularly good, but have you ever used the Subway app or even their website for a mobile order? I think it's the slowest and jankiest app I have ever used. It honestly takes like 5-10 minutes to order two subs that I have saved as favorites.
It should have been phrased, "your return on investments can be the sole source of your retirement wealth."
I think what they mean is that the bulk of your wealth will be the capital that you put into your investments with a reasonable amount of interest/capital gain.
You'll notice that Québec is not on the map when they compare potential savings because we've had government subsidized daycare for over 25 years. The results have been increased participation of mothers in the workforce and increased GDP[1].
The same article explains that the ROI is about 47%, meaning that for every 100$ spent, the federal and provincial governments get 147$ back in increased productivity.
From my experience, when there is no more snap it tends to be an accumulation of dust and grime in the port preventing the cable from fully seating. I usually clear it out carefully with a sim card ejection tool.
Look closely at a lightning cable. The edge is metal. When you plug in a lightning cable, you briefly short every single pin together. There's probably a greater risk of bending a pin inside the port than there is shorting pins out.
Yes, it’s a similar design to RJ45, where angled pins are lifted by the leading edge of the connector. Lightning doesn’t have the grooves to guide pins, but the tight tolerance and setback of pins means you really can’t land a pin on the wrong connector, let along short across them.
Probably a good precaution to take - but I've always recklessly used a paperclip. Been doing it since the first Lightning connector devices came out and have never had any negative effects from doing so. Seems pretty robust.
I think it depends on the type of workout. I do a powerlifting style program that has a 3 minute rest time between sets, so I like to read during them.
If I were doing cardio or a circuit style workout I would forgo my phone and concentrate on the workout.
