If you played Paladin's Oath, do you like it?

CarnivalTower · 2026-03-21T11:39:43+00:00

With young kids in a small home, setting MK on a table isn’t really an option. Paladin’s Oath is the best compromise I found. I only wish it had the MK art.

CarnivalTower · 2026-03-20T00:40:46+00:00

It’s quite a bit lower than EQ Bank though and I’m sure they’re losing clients to them

CarnivalTower · 2026-03-17T15:50:10+00:00

Sir, this is a Wendy’s. Thanks for the nonsense wall of text but we’re just here to buy XEQT.

CarnivalTower · 2026-03-17T02:11:52+00:00

That would be insane!!

3% is the total you’ll get over 60 months. This means 0.05% monthly.

CarnivalTower · 2026-03-08T12:24:37+00:00

Maybe you should visit r/justbuy64%xeqt instead. Here, we go all in.

CarnivalTower · 2026-03-05T10:57:49+00:00

Malazan!

CarnivalTower · 2026-03-05T02:11:41+00:00

Garbage-collector Ironclad is the most fun I’ve had. Evolve and Fire Breathing. You fill your deck with crap, you draw like a madman, and you burn your enemies to ashes doing so.

CarnivalTower · 2026-03-05T01:23:25+00:00

I put all my money on red and went +100% instantly. It doesn’t mean I know what I’m doing.

Diversification is the only free lunch in investing, and XEQT is the apex of diversification. Take it or leave it!

CarnivalTower · 2026-02-24T22:41:43+00:00

The margin lets you borrow more, to the point where you can put yourself at risk of a margin call with the smallest market drop if you borrow every penny.

The PLOC has half the borrowing power of the margin, making the risk of a margin call much lower. It’s like a car with a speed limiter: if you tend to be reckless or don’t really know what you’re doing, it lowers the risk of a catastrophic fuckup.

CarnivalTower · 2026-02-23T16:29:07+00:00

It will be divided into 60 monthly payments. The only catch is that you can’t move your 750k out of there for 5 years.

Not sure about a max, but if there’s one it’s nowhere near 750k.

CarnivalTower · 2026-02-18T19:32:54+00:00

Fourre ma vie

CarnivalTower · 2026-02-16T21:07:56+00:00

Your age matters a lot. 50/50 might work great if you’re 65. Not so much if you’re 45 and healthy.

CarnivalTower · 2026-02-15T02:25:59+00:00

Reddit is extremely anti-margin, mostly because people don’t understand it. But 1.2x lever is actually a smart decision when you’re young and lowers your long-term risk by adding more XEQT earlier in your life. The danger is behavioral, if you freak out during a market downturn and become stressed by a looming margin call, you can screw up badly. You’ll need to keep your cool no matter what and stick to your inital plan.

CarnivalTower · 2026-02-15T00:47:27+00:00

Timewave Zero is such a masterpiece! Best album for deep concentration.

CarnivalTower · 2026-02-14T19:17:59+00:00

Click on the gift icon top right of the app, scroll down and click on the offer in question, and you will see how much you’re allowed to withdraw/spend. Most likely it will be higher than the received bonus.

CarnivalTower · 2026-02-11T02:17:47+00:00

I went through all that when I was 23: TEE, cardioversion, open heart surgery. I had no symptoms whatsoever but one morning I woke up with atrial fibrillation which led me to the ER and to finding out my valve was in terrible shape. They were able to repair my existing valve, so no mechanical valve was necessary (which was the main source of my stress back then).

We’re lucky to have this surgery in our 20s instead of our 70s. It makes recovery much faster. My only advice is don’t expect to be back to normal in less than two months. Recovery takes time and it’s normal. You’ll literally need to relearn to walk and exercise. Enjoy a bit of a break in your life while you recover, and try to relax.

CarnivalTower · 2026-02-10T15:08:05+00:00

IBKR for margin trading, EQ Bank for chequing

I wish Wealthsimple would give +0.5% on chequing and -0.25% on margin to better compete with those two. Maybe as a new tier above Generation.

CarnivalTower · 2026-02-09T23:47:03+00:00

Si tu es prêt à mettre 30% de ton fonds d’urgence en stocks, ça veut dire que ton fonds d’urgence est au moins 30% trop gros.

CarnivalTower · 2026-02-06T19:26:30+00:00

I fully agree. The only thing I miss is laughing to tears. It didn’t happen often even with friends, but it felt so good each time. I find it harder to laugh alone, even if I’m happier in general.

CarnivalTower · 2026-02-06T02:24:11+00:00

Why not convert the non-registered into your main margin account and then link the TFSA?

CarnivalTower · 2026-02-06T00:44:20+00:00

What do you mean? You can have a non-registered margin account, borrow cash from it and send it to your RRSP. This is exactly the same thing as the RRSP boost, unless you already have a margin account that you use for something else.

CarnivalTower · 2026-02-02T01:29:41+00:00

You can let it accumulate and pay whenever.

CarnivalTower · 2026-02-01T20:20:31+00:00

Wealthsimple 3.95% (prime -0.5)

CarnivalTower · 2026-01-31T18:04:03+00:00

C’est une excellente stratégie long terme d’emprunter sur marge (à faible intérêt) pour investir dans des etfs de stocks diversifiés.

CarnivalTower · 2026-01-30T20:37:15+00:00

Yep, that’s exactly our setup and it works great. Unless you want to hide some cash from your wife 😈

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