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Joined 1 year ago
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Cake day: June 9th, 2023

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  • I think another big difference is Lemmy still feels like it is inviting at least a small amount of conversation. Whereas Reddit increasingly feels to me like it collectively prefers to upvote only one correct answer, and stamp down everything else.

    I think with federation in general we have more of a chance to preserve what we value in each instance. Whether that is constructive conversation, or cited responses, or memes only/ no memes…

    I look forward to being a part of multiple, quite different feeling networks of communities.


  • Companies capitalizing on convenience is not new. If you want to go to the ultimate end of the spectrum where you don’t need to give up any info to a third party, open source applications have you covered. Firefly iii, Actual Budget to name two with existing bank integrations.

    It comes down to your personal risk tolerance and appetite. If you have no tolerance, don’t take the risk and stick with your convictions instead of grumbling that you had to give your bank statements to download a scammy Tetris app.


  • I have very little faith in some random tech limited liability to be able to pay up if something bad happens. That’s not to say I’m super confident in the banks either, just that they have way more money, are pressed hard to do infosec and have government backing if and when shit hits the fan.

    Agreed, peering behind the veil of any organization will probably result in a loss of confidence. And to be fair, I do have concerns about this ultimately being 100% private and secure, but I’m mindful that perfection shouldnt be the enemy of progress. I have confidence that there is a relatively safe way to implement this. We’re not the first in the world to do it, and thankfully we can look to other jurisdictions to see where the risks are.

    Now that I think about it, I bet the big five have probably made sure the conditions are as onerous as possible in order to reduce any actual competition as much as possible. :D

    They’ll undoubtedly speak with banks when the legislation passes and regulations are being drafted, and a part of me hopes that the big dinosaur institutions we have realize deep down that they need to enter the modern world.

    Banks are competition in the sense that they have competing interests, but not in the sense that are offering a comparable product. If my bank was actually interested in building an app that would help me wrangle and take control of my spending habits, they would have already built it with a couple devs like all these other apps popping up.


  • The regulation is the IIROC Dealer Member Rule (DMR) 3200 A. 1.(b) (i) which prohibits IIROC registrants (brokerages) from allowing their clients to use their own automated order systems to generate orders. So just clarifying that its not illegal because it’s unsafe, just that they dont want us to give an app our credentials that does algorithmic trading on our behalf. Their reasons, i dont know.



  • I get that this doesnt matter for a lot of people, but i specifically chose my bank because it had close ties with Plaid (API aggregator) - the closest we currently have to open banking. To me, it just seems so fundamentally simple to be able to offer a way to export your own transaction information to whoever you agree to share it with. Boggles my mind that we dont have this already.

    In Canada, the thing that makes people hesitate when giving financial data to an app is where liability sits when sharing your account details. Right now, because i’m sharing my credentials with Plaid some banks would refuse to reimburse you if you were subsequently hacked - regardless of the leak source. When open banking legislation comes into effect, this liability will be shifted to the data brokers (plaid), and potentially also the thrid party applications that do things with your financial data.





  • deelayman@lemmy.catoAsklemmy@lemmy.ml*Permanently Deleted*
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    8 months ago

    As others have pointed out, maybe look for a hobby.

    Take baby steps towards becoming more involved in the things that youre passionate about. Housing affordability, the climate, and other things are on everyone’s mind these days, and maybe there’s something there that you have some strong feelings about. Look for virtual municipality or state/province public consultations about those things (e.g. new housing development consultations), and lend your voice to it. Meet new people with the same ideas.

    Tldr, Try to make some of your free time into something self-directed, constructive and fulfilling (instead of passive algorithm surfing).




  • deelayman@lemmy.catoStar Wars Memes@lemmy.world*Sip*
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    10 months ago

    Embrace the dark side expressing yourself without the perfection filter of spellcheck. Those squiggly red lines want you to be someone youre not. Punctuation prevents you from being you. Spell things your own way. Make up your own words.




  • It’s been about two years since I did my last one, but I wrote a few things down at one point for reference:

    1. Eat carb rich breakfast on the day of, and aim to eat a small snack every hour after this
    2. Try to drink a bottle per hour. I have one kidney and this worked well for me. I normally throw in some electrolyte powder every few bottles or bring banana or two.
    3. Start standing out of saddle to stretch early and often
    4. Change hand positions often
    5. I start to stiffen up if breaking for more than 10 minutes at a time

    Have fun 😊


  • Somewhat related is the concept of ontological shock. Most recently saw a post on Reddit about it, linked below. I can relate to the idea of my brain building a running narrative of how the world works, and fitting information into that framework on the fly. When I come across things that don’t fit into that framework it’s easy to dismiss the information and run towards people that share that worldview. Ontological shock happens when you reexamine the core of your worldview based on irrefutable new information, and realize that your existing framework of predicting and understanding things in the world no longer works. Facsinating stuff, and it truly shows that we can absolutely be living in completely different realities than our neighbours.

    https://www.reddit.com/r/UFOs/comments/145kwhw/ontological_shock_is_real_and_you_should_treat_it/