This is my scenario:

TFSA is maxed and has the emergency fund in CBIL. I have roughly equal money in RRSP (maxed) and my non-registered account.

I like to keep my overall portfolio at 50% stock ETFs (primarily VFV) and 50% low duration bond ETFs (primarily CBIL). I understand that this is a sub-optimal allocation, and I'm okay with that. This is thanks to childhood trauma from growing up too broke, and I'll make up for the lower returns by spending less and investing more.

So far, I've kept VFV in my RRSP and CBIL in the non-registered account.

However, I've been wondering if it'd be better to switch the two around: Buy CBIL in the RRSP account and buy VFV in the non-registered account.

PROs:

• CBIL-RRSP will grow less than VFV-RRSP -> lower "income" in retirement -> lower tax consequence.
• VFV-non-reg profits will be taxed at the 50% (maybe higher in the future) inclusion rate.

CONs:

• Can't think of any at the moment. Help?

I'm also considering switching the TFSA to hold stocks instead of bonds, and have the emergency fund in the non-reg account. This makes sense too, right?

Hey, apologies if I'm not using the correct terms, I'm going to do my best to describe the issue.

This is a photo from my shower. There's a glass "wall" and a glass door. The door is connected to the glass wall by a hinge. The glass wall was glued to a metallic frame but it looks like the glue is not holding it in place anymore.

Is it a DIY job for a new homeowner after the millionth thing broke down this month and is ready to step into traffic? Or should I just hire someone? What profession am I even looking for to get it fixed?

If it's an easy enough fix, what keywords do I use to look up a fix and the materials needed?

Any other useful information or advice would be appreciated. Thank you!

Update: thank you all for the comments. I don't think I have the skills to do this project by myself and don't want to risk glass all over the bathroom floor. I've contacted some people who fix windows and stuff, and they've agreed to this work at a reasonable price.

Background: I took some 100 and 200-level courses on electronics in college over a decade ago. I still remember some stuff (Ohm's law, Kirchoff's law), and I can recognise the basic parts in a circuit diagram.

I am also happy to pick up a beginner friendly text book and go through the theory by myself, if there are any recommendations.

However, I've never even held a soldering gun. I am a blank slate when it comes to any practical applications. I get overwhelmed trying to figure out what kit to order on Amazon.

So, is there a course/tutorial you'd recommend for learning the hands on parts of it? I'd prefer as much handholding as possible. Ex -- if someone sells all the components to finish the projects in the course that would be the course I pick.

People (including me) complain about monopolies all the time for various reasons. At the same time, I've noticed a ton of complaints about the existence of multiple streaming platforms. But isn't that a good thing at the end of the day? If streaming platforms consolidated into 2-3 companies, there wouldn't be much stopping them from raising prices even more.

I am currently logged into my account on lemmy.world. I'd like to view the home page of literature.cafe (or any other instance), view all the communities there etc.

I could just tap on the instance name, or even add instances that I wasn't signed in to on liftoff which no longer works.

Is there a way to do this on voyager?