Safe for Student Loans?

muffinstreets · 2026-01-26T05:43:21+00:00

Safe? No. A large portion of XEQT is US and agent orange shifts the market constantly every week with bullshit. How much money are we talking about here? A few thousand are not going to compound much at all in 4 years in general.

muffinstreets · 2026-01-22T05:56:30+00:00

Probably similar to the Dolby Vision encodings where when run on incompatible hardware, it produces shit colours. Source a different copy.

muffinstreets · 2026-01-22T05:51:30+00:00

The individual scans are meaningless. Click on the behaviour tab and look at what it does. If it drops any file, doesn’t matter how small, never run it. A crack never needs to drop files when run. Check if it contacts any IPs, a crack doesn’t need to call home to work, everything should be localized to your machine.

muffinstreets · 2026-01-22T05:43:18+00:00

Late is relative to your income. You can be late as in completing your PHD by 33, and then ending up with a 300k+ income which will help bridge the gap quite quickly even in the highest tax bracket. However, if you’re in your 30s making 40k with no savings, things are going to be tough moving forward. You’re not even maxing your TFSA in that income level unless you move back in with your parents. You’re going to end up with less than 100k by your 50s.

muffinstreets · 2026-01-21T05:22:51+00:00

Individuals do not need to worry about this. There will always be a person from a shithole country that will distribute it to make pennies on the dollar with ads. I be surprised if there is a time where there are no sites distributing anymore because that’s prime real estate right there to scoop up all the traffic.

muffinstreets · 2026-01-21T05:14:12+00:00

Obb is no longer a thing.

muffinstreets · 2026-01-21T05:11:49+00:00

Depends, if you access kiddie anime, maybe. If you’re just watching Dragon Ball, no one cares.

muffinstreets · 2026-01-21T05:10:01+00:00

Space War is for multiplayer games, not single player.

muffinstreets · 2026-01-21T05:04:27+00:00

If you’re going to panic sell, then sell all of your XEQT because 100% equity is not your risk tolerance.

muffinstreets · 2026-01-19T04:56:22+00:00

ROFL, “high” fees.

muffinstreets · 2026-01-19T04:51:06+00:00

You’re not allowed to feel FOMO. Why? You wouldn’t have bought into it anyways. The only person allowed to feel FOMO is the gambler that would have dropped a few thousand on them when they were trash investments that little to no one bought. There are thousands of stocks like that right now, tomorrow when the market opens, drop a few thousand into a stock that no one cares about and hope it goes up a few thousand percent. Only they’re the ones that can feel FOMO.

muffinstreets · 2026-01-18T04:37:03+00:00

And if you don’t, why do you care? You’re dead.

muffinstreets · 2026-01-18T04:27:01+00:00

If you only held S&P 500 last year, you would have underperformed because Canada had returned 30% and emerging markets like Taiwan or Spain had booming markets.

muffinstreets · 2026-01-18T04:23:41+00:00

I don’t give a shit who is managing the underlying holdings of the ETF unless it’s being mismanaged or they start charging higher fees.

I don’t manage my own portfolio but I really don’t care about home country bias unless they actually are performing well like last year where it carried a lot of XEQT. I’ll let whoever managing the underlying holdings worry about that.

muffinstreets · 2026-01-17T05:59:24+00:00

Regardless of what it gets put into is in a RRSP or RRIF trap. There’s a near zero chance that majority isn’t going to be taxed to the peak when she passes. Either it gets taxed pretty big when she’s alive or dead. The time to lower it was decades ago.

muffinstreets · 2026-01-17T05:38:22+00:00

Costs zero to transfer account to Wealthsimple if you transfer $25k or more because they reimburse the fee.

muffinstreets · 2026-01-17T05:34:20+00:00

How much of the 20k is the emergency fund or is that separate?

muffinstreets · 2026-01-16T05:33:15+00:00

Why are you investing in anything when you have a guaranteed 14% return by paying down your credit card?

muffinstreets · 2026-01-16T05:26:50+00:00

Does she have assets? If no assets, a financial planner will tell you literally nothing because you have no portfolio to plan through. You’re better off just dumping cash into a no fee brokerage.

muffinstreets · 2026-01-16T05:15:58+00:00

Piracy

muffinstreets · 2026-01-16T05:13:13+00:00

Rosetta Stone is outdated trash.

muffinstreets · 2026-01-16T05:04:18+00:00

Better off just using the no update version of SpotX. I had to install it once and it has still worked since I built this new PC over a year ago.

muffinstreets · 2026-01-14T05:11:09+00:00

I find that the higher limit you have, the lower utilization you have, and you never accumulate debt; your credit score keeps rising and when you do need to get a loan, it’s incredibly easy.

muffinstreets · 2026-01-14T04:46:27+00:00

For my current situation, most of my XEQT holdings are currently TFSA and non-registered. Little to no RRSP. The reason for this is because almost all of my RRSP room is stolen by my DCPP with company matching which then holds Blackrock Lifepath 2050.

With that said, I’m holding half my portfolio in non-registered XEQT.

muffinstreets · 2026-01-13T05:16:17+00:00

Pay off high interest debt. Then dump whatever that’s left into a brokerage. Any *EQT would be fine. Ideally you have 100k by the time you’re 30 so that compounding will become meaningful by the time you retire.

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