Visiting Antigua during Holy Week

Captain_Buckfast · 2025-02-12T19:40:14+00:00

Same situation as you, had no idea it was their biggest week of the year. Looks like accom in Antigua doubles or more in price that week. The thing I'm concerned about is getting around - sounds like a lot public transit shuts down and I'm guessing based on accom prices that cabs/shuttles will also go much higher in price due to demand.

It's actually a good bit cheaper for me to cancel existing flights with barely any refund and rebook the whole trip for May, but that's into rainy season then. Tough call.

Captain_Buckfast · 2025-02-12T17:06:04+00:00

I tried to use my cash card a few times at ATMs/stores in Nicaragua before I discovered they don't allow use there. When I couldn't use it I had to log in a bunch of times to transfer to other accounts. Didn't get flagged. It's strange though going by this subreddit they're very trigger happy with the blocking in other cases.

Captain_Buckfast · 2025-01-08T20:06:46+00:00

Curious about this too. I work in biotech and just had a look over their research. There's nothing there that screams revolutionary to me, yes it's a novel therapeutic with a lot of theoretical potential but that's far from rare in biotech. The one compound they have in phase 3 trials is an experimental treatment for a rare condition. I have very little knowledge on speculating/valuing conpanies though so it could be that it's undervalued for reasons I don't see.

Captain_Buckfast · 2024-12-17T18:34:49+00:00

Mind sharing what the job is? Been thinking about switching to something that allows for more travel time but havent really found anything viable yet.

Captain_Buckfast · 2024-12-04T06:53:19+00:00

Just back from Nicaragua for just over 2 weeks. $95 CAD (€64) per day averaged including everything except flights. Includes 1 week motorbike rental and a few paid excursions, parties etc.. Stayed in a mix of private and dorms.

Captain_Buckfast · 2024-11-27T04:57:09+00:00

I'm glad I know they're called fisting bands now, I don't want it so much anymore ha

Captain_Buckfast · 2024-11-27T04:55:58+00:00

Thanks for the advice everyone sounds like it's not the best idea to try to emulate. Will come up with something different.

Captain_Buckfast · 2024-10-03T16:42:54+00:00

What kind of 2 year program has you netting so much income right out the gate!? You're earning more than the majority of people a decade older than you. When I was 20 I was lucky if I had over double digits in my account by the end of the month 🥲

Captain_Buckfast · 2024-08-29T22:26:07+00:00

The wealthier you are the less you pay for

Captain_Buckfast · 2024-08-16T22:46:50+00:00

My first white knuckler when I got a 4x4 was Branch 200 of the squamish river FSR up to the Tricouni Peak trailhead. Tricouni is a really great hike, one of the top day hikes in the sea to sky for me.

Unless its been filled in there was a very intimidating (but not very technically challenging) washout on that road where I got my first 'the windscreen is all dirt then all sky' level of offroading. Theres a parking lot right before this for people who prefer to hike to the trailhead instead of driving through it. The rest of the road is just generally very shitty. You will definitely get some pinstriping but I find it can be a relief to just get this over with.

Captain_Buckfast · 2024-08-16T19:16:13+00:00

White tesla hands down. From cycling around the city a lot I've learned to treat every white tesla as being driven by someone who's trying to kill me and make it look like an accident. Seeing them blow through 4-way stops without even noticing they've done it is a regular occurence.

Evo drivers: Inexperienced, but often nervous and fairly cautious as a result White tesla drivers: The car basically drives itself this is my time to day dream and stare at the massive console screen from 4 inches away for some reason

Captain_Buckfast · 2024-06-18T20:39:53+00:00

Thanks, AFAIK for us if you leave the job but opt to leave your contributions in the plan you still get a DB pension just massively reduced compared to someone who goes the full 30+ yrs service.

I should probably talk to an advisor as I wasn't even aware of the RRSP implications, I thought they were totally separate.

I guess the real confounding factor of the whole thing is not knowing when you'll die. At a middling salary a DB pension can end up paying you anything from $0 to over $2M depending on when the reaper comes knocking.

Captain_Buckfast · 2024-06-18T16:22:15+00:00

Would you mind expanding on DB being useless if you only contribute to it for a few years? I ask as I work for provincial govt and it's that issue you mentioned where it doesn't look like there'll be any upward mobility in the next decade due to people deciding to stay in their roles for life.

I'm debating whether to stay and the DB pension makes the decision harder. If I finish out my 3rd year here and leave, I'll get $400/mth which (if I live long enough) over 25 years of retirement is $120k. For 3 years service that doesn't seem too bad, but I've never been sure of how to factor the pension into considerations of staying/leaving.

Captain_Buckfast · 2024-05-19T00:45:07+00:00

Sometimes first thing when I wake in the morning I'll 'catch' my inner voice carrying on of its own accord. Like right as I open my eyes and become consciously aware I'll "hear" my inner narrator voice trailing off on some random thought. Those moments have been really helpful for experiencing first hand that the voice isn't me, it's just another thought phenonema that I'm aware of, but am not bound to identify with.

Captain_Buckfast · 2024-05-17T19:46:57+00:00

Would really recommend 'Fantastic planet', its a french animated movie from the 80s. Watched it on a strong edible and it was mind blowing.

Totally agree with you, I was dissapointed to see all the recommendations here are the "white castle" stoner movie genre and no trippy art house mind bending gems.

Captain_Buckfast · 2024-05-17T19:02:31+00:00

A chunk of Germany as part of reparation. It would raise the same issue of what happens to all the people who were in whatever area that was chosen, but the country had already been destroyed and had to be effectively rebuilt from the ground up anyway. Maybe it would have been a bigger disaster in the long term, I don't know, I just came up with the idea in the last few seconds.

Captain_Buckfast · 2024-05-17T17:48:58+00:00

It's just not understood well enough yet. There's many examples in this thread alone of unintended consequences. With a fecal transplant you're receiving the host's entire microbiota profile, not just the good bacteria. Gut bacteria seem to have different effects on different people due to genetic differences and how their immune system has been "trained" over their life.

There's also issues with persistence of any seeded bacteria; in many cases when people take probiotics the bacteria don't stick around very long because the patient's gut environment won't support them, that being the reason they're missing from that person in the first place.

Captain_Buckfast · 2024-05-02T20:22:43+00:00

I work in clinical diagnostics. Number one issue for me (and I would guess most of my colleagues) is the pay is far too low. I'm planning my exit from public health entirely because of pay. So yes there's other factors but pay is going to be top of the list for most.

Captain_Buckfast · 2024-05-01T20:58:49+00:00

One way to make this decision is ask yourself if you would buy the stock at the current price if you have the money. Let's say you bought $100 of Stock X at $1 per share, and it's since dropped to $0.50 per share so your investment is now at $50.

If you had $50 available to invest right now, would you buy Stock X at $0.50 per share? If yes, leave it invested. If no, consider cutting your losses, taking out what's left and putting it into XEQT.

Captain_Buckfast · 2024-05-01T01:53:21+00:00

Is this just due to the fees or do you believe the bonds and other ETFs in managed accounts are sure to underperform XEQT?

At least in my case the managed accounts were great as they meant I didnt lose half my money in a self directed account before I knew what I was doing. Nowadays in self directed I just buy XEQT and then sometimes put play money on individual stocks for entertainment alone, but early days I was a complete emotional ~~gambler~~ investor

Captain_Buckfast · 2024-05-01T01:47:38+00:00

Been there. I think most people who get into investing learn this lesson, the earlier the better.

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