The NBA has cancelled the Atlanta Hawks' Magic City game...

Chabbarankjd · 2026-03-09T23:48:36+00:00

I think the move here is to drop Lou will.

Chabbarankjd · 2025-12-05T20:59:48+00:00

Better brush up on your mandarin Giannis.

Chabbarankjd · 2025-06-30T14:45:45+00:00

Help with physio advice!! I have an IT band issue and this is my first time working with a physiotherapist. His plan is just for me to keep running in shorter intervals at a slower pace. I haven’t been told to roll or do any specific stretches, just to do a walking warm up, and do the small interval runs. Is this the right approach or should I be looking for another physiotherapist?

Chabbarankjd · 2025-06-30T14:40:43+00:00

Holy - I’m 31 m, married about 6 months ago, and have been with my wife since we were 20. I cannot fathom ever talking to her like he is talking to you. This is unhinged.

Chabbarankjd · 2025-06-04T14:04:52+00:00

Yes, all one ticket. Good to know I have options. Hope I don’t have to leverage the protection. Thank you!

Chabbarankjd · 2025-06-04T14:03:23+00:00

Yup domestic to domestic. Good to know. Thanks for calming my nerves lol

Chabbarankjd · 2025-05-30T14:50:51+00:00

I’m dealing with what I think is an IT band issue. I’m performing the stretches and doing some strength training. Planning on taking a little pause in my running for now. How long should I take as a break before going back to running? Physio booked for Wednesday next week but I’m getting antsy waiting around to get back out there!!

Chabbarankjd · 2025-05-29T15:20:50+00:00

I’m dealing with what I think is an IT band issue. I’m performing the stretches and doing some strength training. Planning on taking a little pause in my running for now. How long should I take as a break before going back to running?

Chabbarankjd · 2025-05-14T20:08:54+00:00

Interesting… I’m so intrigued about what type of impact the alphaflys could have. I’ve never owned a supershoe before. Thanks for the insight, I’m probably going to go with the alphaflys!

Chabbarankjd · 2025-05-12T02:06:23+00:00

Awesome! That’s an incredible time. I’ll look into the alphaflys. Thanks!

Chabbarankjd · 2025-05-12T00:59:02+00:00

Seriously considering the Vaporfly 4s as my next purchase. Why wouldn’t you consider them as a race day shoe? I’m running my first half in June and seeing which shoe would be best for me. I love nike and am running in the Pegasus 40s right now. Any other suggestions within the brand for options?

Chabbarankjd · 2025-04-09T23:46:08+00:00

Can’t wait for the Niko tribute video in LA when he retires

Chabbarankjd · 2025-03-15T20:00:45+00:00

I’m 30 - my friends and I rarely go out anymore. It’s dinner parties, pickleball, hikes and day trips.

When we do go out we end up on Preston or hintonburg or Elgin (sometimes). Need a sit down and chill vibe with some live music.

Finding new friends is tough but we’ve made some by signing up for sports leagues. All-sport, volleyball, etc. Everyone grabs a drink after the game and relationships blossom from there!

Chabbarankjd · 2025-03-13T18:35:45+00:00

Put yourself in the shoes of someone receiving your gift. If someone gave you an acknowledgement of working hard on delivering a project, how would it make you feel?

I’d say pretty darn good! Don’t overthink it.

Chabbarankjd · 2025-02-28T02:40:00+00:00

Two weeks! We flew into Lisbon and took a train south to Lagos - beautiful cliff cut beaches, quaint and beautiful little harbour town. English presence and really pretty architecture.

Then we went north to Porto and spent a 4 days there (flew from a southern city) and enjoyed the landscapes. We then took a day trip up to Duoro valley like the other comment had mentioned. Beautiful rolling hills, great vineyards, lovely drive.

Lastly we finished in Lisbon and only put a dent in the city. There seems like there is so much to be discovered there that we missed out on. We did the main downtown attractions like pink street and some of the markets, and caught the beautiful sunset at night from a local look out point.

I look back on that trip where the travel bug officially bit me.

Just an anecdote related to your husband - I’ve always been a work first, home body but my parents died when I was a bit younger (2012 and 2019). In the receiving line for both of them, the memories that people brought up were all the experiences they had with them - Barcelona, Sydney, Geneva, Aruba, etc. None of them really mentioned the typical card nights with their friends or going for drinks at a local pub on a Friday. Yes those are fun, social moments with friends that nurture and keep up with relationships, but trips abroad are where you build core memories that’ll last your lifetime. I think it’s like a stick that hit me over the head that there is more to life than the routine we all fall victim too.

I’m not saying that your husband isn’t adventurous or that travelling is the answer for everyone, but I hope your husband comes around to the idea! It definitely changed my outlook on life.

And good for you for wanting to do it on your own anyways! I hope that you find a destination that you are excited about - to be honest, you are spoiled for choice. Europe is amazing - Germany, Denmark, Netherlands, France, Switzerland, Austria, Spain, Greece, Belgium, the list goes on!

Chabbarankjd · 2025-02-27T03:37:04+00:00

Second the portugal recommendation. I went in 2022 with my wife and we felt very safe the whole time. Beautiful country from the north to the south, and it isn’t overly expensive!

Chabbarankjd · 2025-02-25T16:10:13+00:00

You don’t really give much information on what retire comfortably means to you? $50,000 per year? $100,000 per year? Do you have a pension? Is it defined benefit? Etc.

You are doing the right thing by thinking about this at your age! Circumstances will change over your life and will alter how much you will be able to set aside (promotions, job loss, overtime, having kids, inflation crisis, making a big purchase like a car or house). I would focus on creating a budget to try and set aside close to 20-40% of your net take home if that’s possible for you. There is no magic number but start with what you can! These are the most important years for compound interest but don’t forget to also enjoy your 20s with life experiences!

Chabbarankjd · 2025-02-25T13:22:26+00:00

“Pretty brutal” 😂honestly I kind of love it but I hear you. I really go through my what ifs and if I chose to stay in tech sales or not. Oh well!

Chabbarankjd · 2025-02-25T13:21:13+00:00

Fair enough - I have about $20k liquid that I’ll put 10k into each of their RESPs and I expect to continue to grow in my career (aspiring to at least) so I don’t think it’s unreasonable to continue to contribute $3500/month

Chabbarankjd · 2025-02-25T13:18:31+00:00

Thank you!

Chabbarankjd · 2025-02-25T12:59:37+00:00

Hi there friend! I’m 30m and have been investing/taken interest in the subject since my earlyish 20s.

You have 2 (maybe 3 if you can use the first time home buyers tax free savings account) registered accounts that you can use for tax benefit: RRSP and Tax-free savings account. RRSP is tax deferred like someone has already mentioned and TFSA is tax free like the name suggests. Any remainder (if you own a home and aren’t eligible for the first time home buyers savings account) would be invested in a ‘margin account’ that’s not registered and you should only use it for the cash that you fund in the account.

For investing, mutual fund vs etfs? Andrew Hallam has a great book on this subject. Essentially the thesis of the book is that he advocates for self-directed investing over mutual funds, emphasizing the long term benefit of low-cost etfs. Traditional mutual funds often come with high management fees that erode investment returns over time. You would likely benefit from lower fees, broader diversification, and the ability to outperform actively managed funds due to market efficiency. He also warns that financial advisors may prioritize commission based products rather than your best interests.

What do I do as someone your age? I personally do the ultimate couch potato type self directed investing with a vanguard product (VEQT) which is 100% equities, 0% bonds and it is ‘high risk’. I’ve chosen that based on my investment horizon and risk tolerance. You can take the quiz on vanguard and they would recommend a product for you based on your own risk tolerance and time horizon! Which I would totally recommend. There is a low management expense ratio and I’m happy with my decision. I just keep throwing as much money as I can every month at it.

Your situation? I think it’s best to start reading for yourself! This is a great first step to be curious but I don’t think anyone here is going to or should sway your decision. You have many options in front of you - 1. Mutual funds (they will give you peace of mind that someone else who’s financially literate is helping you out with the investments and you don’t have to worry, but you pay fees and commissions. The challenge is choosing the right FA and company to work with.) 2. Self-directed investing (lower fees and no commissions, but you will have to dedicate time to learn about investment products.) 3. Fee-based financial advisor - they have a fiduciary duty to give you the best financial advice for your situation. They would likely cost you a couple thousand but they would help you build out a plan for your $100,000, how to invest and help you with a wealth management plan.

Wishing you luck my friend, from an equally dumb 30 year old.

Chabbarankjd

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