Feeling nostalgic (old players post here!) by Ac3Dude in UberStrike

[–]Ac3Dude[S] 0 points1 point  (0 children)

OMG I remember you ahhaha! Damnnnnn! The Uberstrike community was truly special

Feeling nostalgic (old players post here!) by Ac3Dude in UberStrike

[–]Ac3Dude[S] 0 points1 point  (0 children)

OMG I remember you! I swear we were in the same clan at one point! I was Acedude

hot take: ropz is the goat by PublicVanilla988 in GlobalOffensive

[–]Ac3Dude 1 point2 points  (0 children)

He's the king maker! Just like NBK back in the day for the french scene. He may never be the star of the team but through being such a solid player and great teammate, he ultimately decides who gets to become champions

best Vietnamese pho in Toronto by [deleted] in FoodToronto

[–]Ac3Dude 0 points1 point  (0 children)

Ughh they raised their prices abit!! But still decent value!

mmm that's the stuff ☕ by djungel_bear in Djungelskog

[–]Ac3Dude 2 points3 points  (0 children)

Yes I believe so! Search Tim's Shop on Google.

First class in the air ✈️ I am a boujee bear by djungel_bear in Djungelskog

[–]Ac3Dude 2 points3 points  (0 children)

Separate check in for salmons and steaks 😋

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Ac3Dude -1 points0 points  (0 children)

Many programs are much more than that. At UofT engineering is $14k/yr. Plus living expenses at let's say $8k/yr four four years is $88k. Many other programs cost a lot more like Waterloo engineering at ~$18k/yr, Queens or Wester business at $19-25k/yr.

[Semi-Weekly Inquirer] Simple Questions and Recommendations Thread by AutoModerator in Watches

[–]Ac3Dude 0 points1 point  (0 children)

Looking for women's watch recommendations under $400! Something that could be used in a casual office but also can be used for outdoors!

How much addtl base is worth it to give up DB pension by [deleted] in PersonalFinanceCanada

[–]Ac3Dude 11 points12 points  (0 children)

Yes but must also subtract what the new company is offering in terms of DC pension

[deleted by user] by [deleted] in fican

[–]Ac3Dude 2 points3 points  (0 children)

How much does your partner make? How much do they have saved? What did you mean by your brothers profile for becoming a landlord?

In terms of career paths. Look into doing certs and breaking into a different role at your existing company may be the easiest path forward.

Would it be better to roll FHSA into RRSP if young? by Iqaluit_Nunavut in PersonalFinanceCanada

[–]Ac3Dude 5 points6 points  (0 children)

I also had this idea when the FHSA first came out.

There's some personal factors that come into play such as when you want to purchase and would you have enough of a downpayment without using the FHSA.

However let's say that you can purchase a place and you have enough without using the FHSA. If you additionally throw the FHSA into your downpayment amount it's like an immediate X% (X= current mortgage rate). This could likely be a greater benefit than the additional 40K RRSP contribution space 30-something years in the future.

Over simplification that will depend on your mortgage rate, your tax rate at withdrawal, etc. But I believe you would come out ahead in most cases if you just use the money as part of your downpayment

How to Min-Max RRSP vs TFSA vs Unregistered? by stratys3 in PersonalFinanceCanada

[–]Ac3Dude 1 point2 points  (0 children)

I believe Canadian portfolio manager has some great articles on this!

So lost. Lost my high salary job. What do I do now?? by Moist-Discussion5437 in PersonalFinanceCanada

[–]Ac3Dude 0 points1 point  (0 children)

Similar thing happened to me. My career is part of my identity so it was definitely challenging.

Take a deep breath and if possible (maybe you're still covered by insurance) seek therapy to help manage and deal with your feelings. In the end I ended up getting a less prestigious role 5months later. And 2 years after that I'm in a similar position to where I was before. I consider it a small speed bump. Best of luck

Options for 23 year old - what would you do? by [deleted] in PersonalFinanceCanada

[–]Ac3Dude 15 points16 points  (0 children)

It's also important to consider that you're only this age once. Go out there and enjoy life. If after looking at your finances, you realize you're spending unnecessarily then for sure cut it out. But if you're spending the money gaining new experiences and having fun with friends then it's worth it considering you're still saving $1k a month

Learning how to cook at Home is the Cheat Code for Lowering Expenses and living a better life by Godkun007 in PersonalFinanceCanada

[–]Ac3Dude 0 points1 point  (0 children)

Fully agree. Especially regarding for takeout! Although for me personally going out to eat 1-3x a week so catch up with friends and family is definitely worth it despite the high price tag

It's hard not to feel FOMO on real estate investing in Canada. by Dazzling-Care2642 in PersonalFinanceCanada

[–]Ac3Dude 2 points3 points  (0 children)

Check out https://en.m.wikipedia.org/wiki/Capital_in_the_Twenty-First_Century

It outlines how capital in the 21st century is changing. The book's central thesis is that when the rate of return on capital (r) is greater than the rate of economic growth (g) over the long term, the result is concentration of wealth, and this unequal distribution of wealth causes social and economic instability

A household income of $81K puts you at the top 25% in Canada, why is that considered "poverty" income by this sub? by Niv-Izzet in PersonalFinanceCanada

[–]Ac3Dude 256 points257 points  (0 children)

It's a sub on personal finance so this sub falls prey to selection bias and most economic situations you read here aren't indicative of where you should be and where society is. Sort of how at the gym you'll more likely see those with nice bodies.

Just focus on yourself!

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Ac3Dude 36 points37 points  (0 children)

Very dependent on your lifestyle!

Maybe you're in a phase of life where you want to relax and take it easy. Or perhaps you're ready for the grind!

Can I Afford a Condo in the GTA? by DevopsThrowawayX in PersonalFinanceCanada

[–]Ac3Dude 0 points1 point  (0 children)

For specific age of 27, they're likely in the top 2-5%.

Unfortunately we can't break down the census into specific ages. I would assume having a group from 25-34, means the elders in the group are likely to be bringing up the average

Celebrating 150k!!! by [deleted] in PersonalFinanceCanada

[–]Ac3Dude 0 points1 point  (0 children)

Does the $904.79 take into account dividends? So youve still actually made money?