![]() It has been my observation that many of us do not have that financial discipline. ![]() The easy accessibility of TFSAs will require us to be disciplined if we are not to squander the funds we sock away. In contrast, TFSAs are inviting with limited barriers to protect you from yourself. I have written a couple times that one of the indefinable benefits of a Registered Retirement Savings Plan (“RRSP”) is that it acts as an invisible barrier to protect you from yourself, as some (not all) people treat their RRSP as sacrosanct and only consider withdrawing money for emergencies, or income smoothing purposes. However, my concern is once that money is withdrawn, many people will not re-contribute, especially in respect of discretionary withdrawals where the money provided personal gratification. One of the great things about a TFSA is that you have the option to re-contribute any money you withdraw from your TFSA beginning January 1st of the following year. The reason could be financial, for example to help purchase a house, or purely for personal indulgence, such as to go on your dream vacation or buy that sports car you always wanted. TFSAs allow you to withdraw your money at any time for any reason. In the top of the box was my packing list and invoice, and then all of the overage parts that they ordered for the build and didn’t use, and finally all of my panels individually anti-static bagged and wrapped in anti-static bubble wrap.As there have already been numerous articles discussing the advantages of the increased limit and who will benefit the most (here are links to two very good articles by Rob Carrick of The Globe and Mail and Adam Mayers of the Toronto Star), today I thought I would take a different tact and discuss how the increased TFSA limit will test our human behavioural traits.Įase of Access, Discipline and RetirementĮase of Access - A Good Thing or a Bad Thing? This resulted in a very soggy cardboard box waiting for me when I got to the shop, but everything inside was packed so well it didn’t matter. The parts arrived in good condition, no thanks to DHL ignoring my specific delivery instructions to put under the covered porch. I got an email with high-res photos of the initial panel with arrows indicating parts I should pay special attention to (such as diodes, to check the polarity) and once I approved the initial panel, it was only a few more weeks before my 200 panels were on their way to me! In my case, PCBWay was only held up for a week or two while parts came in, at which point they assembled an initial panel for approval. Once the PCBs get through manufacturing, they go into assembly where they’ll usually hang out waiting for parts to arrive. After they review the BOM, they’ll update the quote to reflect parts pricing and you can pay for your order. ![]() You can also specify whether or not it’s acceptable for them to substitute an equivalent part. You just need to fill in the part names and manufacturer part numbers, as well as whether they’ll be supplied by you or if you’d like PCBWay to source them. PCBWay has a spreadsheet template you can download to get started. You’ll also need to supply a Bill-of-Materials (BOM) that corresponds to the part numbers in your design and placement files. Things like number of placements, number of discrete parts… you know, assembly stuff. This would also be the first time I found myself on the customer side of this interaction, so I hoped to learn some things about customer experience.īasically, it goes like this: You upload your design files and fill in some info about the assembly. Given PCBWay’s track record, I was eager to find out what their PCBA process would be like. I’ve never had problems with quality, which I have had with cheaper suppliers. I’ll be the first to admit that they’re not the cheapest PCB manufacturer on the market, and I usually order my PCBs from a mix of different suppliers depending on the project requirements, but they have consistantly delivered. They were able to track down the parts I needed, given the Bill-of-Materials, and confirmed every step of the way that they had the right parts and they were being placed correctly. Working with PCBWay to have the panels assembled was so easy, the entire operation was turn-key. And I’m here to tell you: I’m so glad that’s what we did. In the end, pricing the BeanCounter such that we could afford to outsource the PCBA and concentrate on things like packaging, testing, and compliance, seemed like the best way to ensure things actually got shipped. So although I’m confident that the BeanCounter panels would be easy for us assemble (in fact, I designed them thinking we would be doing the assembly), we have about a hundred other things to do that I’m less confident about. So what’s the deal? The short answer is: We’ve never run a crowdfunding campaign before and we’ve never shipped a fully assembled product.
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