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        <title>Canadian High Interest Savings Bank Accounts - Forum: Your stories</title>
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                    <title>Dean on Abolish Tipping ?!</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/page-2/#p114154</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/page-2/#p114154</guid>
					                        <description><![CDATA[<p>.<br />
And then there's this recent article from the <em>'C.D. Howe Institute'</em> . . .</p>
<ul>Link  ➡️ <a href="https://cdhowe.org/publication/what-to-do-about-the-proliferation-of-tipping/" rel="nofollow"><a href="https://cdhowe.org/publication" rel="nofollow">https://cdhowe.org/publication</a>.....f-tipping/</a></ul>
<p>.<br />
The article makes some very good points. And among other things,<br />
note the term; <em>'Tip Creep'</em>.</p>
<ul>Dean</ul>
]]></description>
					                    <pubDate>Thu, 23 Jul 2026 06:16:43 -0700</pubDate>
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                    <title>Dean on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114139</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114139</guid>
					                        <description><![CDATA[<p>.<br />
Back in the day (when the earth was still young), going from Floppies to Zips was a Major Quantum Leap . . . </p>
<p><img src="https://dvdyourmemories.com/wp-content/uploads/2010/12/1970_Floppy_Disk.gif" width="420" alt="" /><br />
.</p>
<ul>Dean <img class="spSmiley" style="margin:0" src="https://www.highinterestsavings.ca/wp-content/sp-resources/forum-smileys/sf-smile.gif" title="sf-smile" alt="sf-smile" /></ul>
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					                    <pubDate>Mon, 20 Jul 2026 02:13:42 -0700</pubDate>
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                    <title>AltaRed on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114138</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114138</guid>
					                        <description><![CDATA[<p>Years and years ago, I used Zip disks for backups, and then an external HDD for a decade or two.   Within the last 10(?)  years, I simply use cloud storage.   Not remotely concerned. Life is short.</p>
]]></description>
					                    <pubDate>Mon, 20 Jul 2026 01:18:06 -0700</pubDate>
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                    <title>cgouimet on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114136</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114136</guid>
					                        <description><![CDATA[<blockquote class="spPostEmbedQuote">
<p><strong>RetirEd said </strong><br />
Me too.  For over 25 years, with Zip disks.  Complete backups monthly, all financial files whenever changed, with a DOS batch file selecting.  Of course, on  a machine not connected to the internet.  </p>
</blockquote>
<p>Wow ... That brings back memories ...</p>
]]></description>
					                    <pubDate>Mon, 20 Jul 2026 01:11:44 -0700</pubDate>
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                    <title>RetirEd on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114135</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114135</guid>
					                        <description><![CDATA[<p>Me too.  For over 25 years, with Zip disks.  Complete backups monthly, all financial files whenever changed, with a DOS batch file selecting.  Of course, on  a machine not connected to the internet.</p>
]]></description>
					                    <pubDate>Mon, 20 Jul 2026 01:08:53 -0700</pubDate>
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                    <title>cgouimet on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114132</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114132</guid>
					                        <description><![CDATA[<blockquote class="spPostEmbedQuote">
<p><strong>Dean said </strong><br />
.<br />
Suggestion . . .</p>
<p>Store &#038; Backup all your documents, files, photos, etc. on Encrypted Memory Sticks (instead of OneDrive, iDrive,  etc.), and then your Not held Captive/Beholden to Anyone . . .</p>
<p>It works for me<br />
Dean  </p>
</blockquote>
<p>Yep. I've been doing monthly critical data backups onto USB sticks for 15+ years. </p>
<p>I retain monthly backups for the this and last year, quarterly for the previous 2 years and year-end for years before that ...</p>
]]></description>
					                    <pubDate>Mon, 20 Jul 2026 00:01:11 -0700</pubDate>
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                    <title>CAD on Abolish Tipping ?!</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/page-2/#p114130</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/page-2/#p114130</guid>
					                        <description><![CDATA[<blockquote class="spPostEmbedQuote">
<p><strong>mmlt said </strong></p>
<p>Much the same here. I'll use 'take out' rather than sit in a crowded restaurant. Partially to avoid tipping stress but mainly to enjoy  food in the privacy of my own home.  </p>
</blockquote>
<p>Did you try to learn to cook? WAY, WAY better to eat when you KNOW what you are eating instead of somebody's snot or nails or whatever dipped in 1000x cooked oil and other garbage.</p>
]]></description>
					                    <pubDate>Sun, 19 Jul 2026 08:51:02 -0700</pubDate>
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                    <title>Dean on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114129</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114129</guid>
					                        <description><![CDATA[<p>.<br />
Suggestion . . .</p>
<p>Store &#038; Backup all your documents, files, photos, etc. on Encrypted Memory Sticks (instead of OneDrive, iDrive,  etc.), and then your Not held Captive/Beholden to Anyone . . .<br />
<img src="https://multimedia.bbycastatic.ca/multimedia/products/300x300/198/19877/19877604.jpeg" width="300" alt="" /><br />
It works for me <img class="spSmiley" style="margin:0" src="https://www.highinterestsavings.ca/wp-content/sp-resources/forum-smileys/sf-smile.gif" title="sf-smile" alt="sf-smile" /></p>
<ul>Dean</ul>
]]></description>
					                    <pubDate>Sun, 19 Jul 2026 06:13:04 -0700</pubDate>
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                    <title>mmlt on Abolish Tipping ?!</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/page-2/#p114127</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/page-2/#p114127</guid>
					                        <description><![CDATA[<blockquote class="spPostEmbedQuote">
<p><strong>RYAN said </strong><br />
I reduced my visits to restaurant because of tipping inflation and go to fast food or food court  instead which don't require tipping. Also I don't accept inflated default tipping rate 20% or so and tip a lower rate if I do go to a restaurant.  </p>
</blockquote>
<p>Much the same here. I'll use 'take out' rather than sit in a crowded restaurant. Partially to avoid tipping stress but mainly to enjoy  food in the privacy of my own home.</p>
]]></description>
					                    <pubDate>Sun, 19 Jul 2026 02:09:45 -0700</pubDate>
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				                <item>
                    <title>AR on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114125</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114125</guid>
					                        <description><![CDATA[<p>Thinking out loud,</p>
<p>Again, microsoft extends updates and you agree to onedrive service which becomes a paid service?</p>
<p>It is tied to your email and thus all your windows devices and/or more? </p>
<p>Is it still 5gb and then they want money as per my page 3 post #56?</p>
]]></description>
					                    <pubDate>Sat, 18 Jul 2026 14:15:35 -0700</pubDate>
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				                <item>
                    <title>Dean on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114123</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114123</guid>
					                        <description><![CDATA[<p>.<br />
Yup, that's ⬆️ fairly well known . . .</p>
<ul><strong>Link:</strong> <a href="https://en.softonic.com/articles/windows-10-gets-another-free-year-of-security-updates-esu-now-runs-through-2027" rel="nofollow"><a href="https://en.softonic.com/articl" rel="nofollow">https://en.softonic.com/articl</a>.....rough-2027</a></ul>
<p>.<br />
Kudos to Microsoft  for doing that, for those with computers that can't handle Windows 11.   But come Oct. 2027 ... their time will be Up !</p>
<ul>Dean </ul>
]]></description>
					                    <pubDate>Sat, 18 Jul 2026 11:21:10 -0700</pubDate>
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				                <item>
                    <title>Bill on Windows 11 Pros &#038; Cons</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114122</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/windows-11-pros-cons/page-4/#p114122</guid>
					                        <description><![CDATA[<p>Still running Windows 10 on my old desktop, just got an email from Microsoft saying they're extending the free security updates for another year, to Oct 12, 2027, I don't have to do anything.</p>
]]></description>
					                    <pubDate>Sat, 18 Jul 2026 10:26:57 -0700</pubDate>
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                    <title>JohnnyCash on Abolish Tipping ?!</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/#p114120</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/#p114120</guid>
					                        <description><![CDATA[<blockquote class="spPostEmbedQuote">
<p><strong>Dean said </strong><br />
.<br />
'Tipping' ... from an Historical &#038; Scientific point of view :</p>
<p>ScienceDirect Article ...  <a href="https://www.sciencedirect.com/science/article/abs/pii/S1053535704001027" rel="nofollow"><a href="https://www.sciencedirect.com/" rel="nofollow">https://www.sciencedirect.com/</a>.....5704001027</a><br />
.<br />
That's your lesson about Tipping, for the day.<br />
Dean  </p>
</blockquote>
<p>Thanks for the tip <img class="spSmiley" style="margin:0" src="https://www.highinterestsavings.ca/wp-content/sp-resources/forum-smileys/sf-laugh.gif" title="sf-laugh" alt="sf-laugh" /></p>
]]></description>
					                    <pubDate>Sat, 18 Jul 2026 09:15:47 -0700</pubDate>
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				                <item>
                    <title>Dean on Abolish Tipping ?!</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/#p114116</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/abolish-tipping/#p114116</guid>
					                        <description><![CDATA[<p>.<br />
'Tipping' ... from an Historical &#038; Scientific point of view <strong>:</strong></p>
<ul>ScienceDirect Article ...  <a href="https://www.sciencedirect.com/science/article/abs/pii/S1053535704001027" rel="nofollow"><a href="https://www.sciencedirect.com/" rel="nofollow">https://www.sciencedirect.com/</a>.....5704001027</a></ul>
<p>.<br />
That's your lesson about Tipping, for the day. <img class="spSmiley" style="margin:0" src="https://www.highinterestsavings.ca/wp-content/sp-resources/forum-smileys/sf-wink.gif" title="sf-wink" alt="sf-wink" /></p>
<ul>Dean</ul>
]]></description>
					                    <pubDate>Sat, 18 Jul 2026 03:08:51 -0700</pubDate>
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                    <title>hwyc on Who has signed up for Koodo Mobile prepaid using a referral code?</title>
                    <link>https://www.highinterestsavings.ca/forum/your-stories/who-has-signed-up-for-koodo-mobile-prepaid-using-a-referral-code/#p114103</link>
                    <category>Your stories</category>
                    <guid isPermaLink="true">https://www.highinterestsavings.ca/forum/your-stories/who-has-signed-up-for-koodo-mobile-prepaid-using-a-referral-code/#p114103</guid>
					                        <description><![CDATA[<p>@jorno319 ... looks like you are seeking an answer everywhere!</p>
<p>IMO, it's already a leap of faith ... committing up front for 360-days *prepaid* to a new service provider.  Mind as well take another leap of faith to believe ... whatever will-be will-be</p>
<blockquote>
<p>In order to receive the additional $5 credits, in the case of 360-day plans, your friend must continue with Koodo for at least a month following the expiry of their 360-day plan.</p>
</blockquote>
<p>... the referee must make one renewal whether it be another 360D or another 30D. </p>
<p>I was the referer to two referee and received 2 x$5 x5.  I think they join the prepaid program on monthly.  However, since I am on 360D, my credits remain on file until my next renewal.  </p>
<p>IMO, it is better to go monthly first and iron out all the issues.  At least, you still can cut your cost if things doesn't work out.  Hope this helps.</p>
]]></description>
					                    <pubDate>Fri, 17 Jul 2026 08:23:22 -0700</pubDate>
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