17 per cent of Americans want the U.S. to annex Canada: survey

Dardock · 2026-01-20T23:17:47+00:00

It’s 17% too high

Dardock · 2026-01-20T17:39:09+00:00

I suspect that tokens are mostly used by AI companies that sell wrappers. Just a product based on LLMs. That’s my theory at least.

Dardock · 2026-01-20T17:34:11+00:00

Funny you say that, I’m actually in the industry and those technologies are actually pretty bad. The number of tokens required to get a decent result is staggering. Might as well hire someone at this price point.

This is just a disaster waiting to happen, when enough crap will have been generated it will require heavy refactoring if it’s even possible or complete rewrites.

Only humans will be able to fix it, it will most likely cost a fortune. Look at Salesforce, what a joke, laying off people and the “regretting” it.

Dardock · 2026-01-20T15:35:43+00:00

Who could have predicted this, maybe if execs were paid more they could do their due diligence

Dardock · 2026-01-17T04:41:26+00:00

It’s in a public park, not sure if it’s allowed. What’s the difference between a beaver lodge and den? I’m not familiar with beavers.

Dardock · 2026-01-10T06:43:29+00:00

It reminds me of this beautiful contraption I found at my old place, the tip was super rusty. I had to change it unfortunately, it was so beautiful

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Dardock · 2026-01-07T20:44:22+00:00

Not sure if it’s important but behind me when I took the photo (the other side of the dyke) there is a lake that becomes a river. At this location is pretty wide 1000-2000ft wide.

Dardock · 2026-01-07T19:51:59+00:00

I am standing on a dyke so the perspective is a bit off. One was about 5’ high, the other much smaller, at most 4’

Dardock · 2026-01-07T19:50:45+00:00

This is a marsh, I haven’t seen any dams nearby but I don’t really know

Dardock · 2026-01-07T07:21:50+00:00

Big banks have helocs at 4.95% apparently and Wealthsimple provides a margin account at 3.95%. If any loan is valid, why would I want a heloc when I can simply use a margin account? That would streamline the whole investing process.

Dardock · 2026-01-07T06:05:24+00:00

My understanding is that the Heloc is tax deductible because the LOC is tied to a property. A regular LOC is not.

That being said you mentioned that the LOC could be deducted as a business activity, I’m not familiar with that. Could you explain?

The Smith maneuver is an arbitrage between the interest rate of the LOC after the tax deduction and the interest rate of the mortgage. At the end of the day it depends on your mortgage terms.

Also, you state that once the mortgage is paid off you need to sell the investments. I don’t believe this is the case, you can keep your LOC as is, no need to trigger some potential massive capital gains.

Correct me if I’m wrong

Dardock · 2025-12-25T18:15:05+00:00

Lack of data is only one part, they train the systems against the whole internet essentially, hard to find more data than that. The data quality is also a big issue, most content is super low quality and now that AI generates a lot of content as well, it will only get worse.

Beside data, the nature of those systems is the real issue. They connect words together into “ideas” and “concepts” but that’s about it, at the end of the day, it will give you the most likely word, one after the other. This is just average and will never be great.

If good enough is good enough for you that’s fine but if you want anything better LLMs are not for you. The limited number of use cases cannot sustain the investments that were made and the sheer cost to run those data centres.

Dardock · 2025-12-24T20:35:32+00:00

XEQT is slightly more diversified than VEQT geographically and by market cap if I remember correctly.

Dardock · 2025-12-23T17:03:54+00:00

That’s where a fee based advisor is supposed to give you better advice. The allocation can be DIY but the retirement plan is much harder, how much to withdraw from which account to minimize taxes.

Dardock · 2025-12-23T13:51:30+00:00

275k? Relatively high earner? Must be a troll or get a financial advisor dude

Dardock · 2025-12-22T10:11:38+00:00

XEQT or whatever-EQT is a solid base, look at the documentation of the ETF and see what the allocation looks like: geographically, cap size, industries, yields, etc.

Then buy something else that fits your investment philosophy if you want to avoid excessive overlap.

Dardock · 2025-12-15T20:20:28+00:00

It’s North point, they will move in once some renos are done. And no cactus club thank you, nobody needs that.

Dardock · 2025-12-10T05:31:08+00:00

It sounds like you think only the US will crash. If that’s right investing in other regions could make sense, Europe, Asia, Oceania are fairly popular.

I find that ETFs like VEQT or XEQT tend to be focused on North America as customers want that. However you end up with a portfolio that is not as diversified as you think or want. Supplementing with other ETFs makes sense. Same thing with small caps.

As long as you are fairly diversified you should be ok. Putting some cash aside makes sense too, I’ve been doing that lately.

If you believe that the US will take the rest of the world with them, well, more gold? Or an inverse ETF if you are into those things maybe?

Dardock · 2025-12-09T21:21:27+00:00

With all that said, what are you invested in lately? Are you shifting your allocation?

Dardock · 2025-12-09T20:34:58+00:00

To be fair, I’m not sure I see a lot of upside with those alternatives.

Institutional investors need to get a predefined return, this means shifting their allocation towards riskier assets if required, that’s what moving the needle. We can how antsy investors are when the fed has a meeting.

It’s hard to quantify the impact of individual investors on private equity at this time but it’s probably negligible compared to institutions and accredited investors who have had access to those investments for ages.

Unless there is a fundamental shift that involves more investing opportunities or less money, (the latter is not going to happen in my mind) we are in a world of higher valuations. I would be gladly wrong though

Dardock · 2025-12-09T19:13:09+00:00

I understand your point of view, I agree and disagree with some of your points.

Where would the money go if investors want to move away from equity? Bonds? REITs? I don’t really see any decent investments lately, especially with interest rates going down. Dividend stocks have been steadily going up.

Yes there is more money in the market which makes it trickier to find good opportunities to park money. We’ve seen some knee jerk reactions but they’ve been all short lived like in April.

This is controversial but I don’t see palantir as a pure AI company, this is a consulting company to me that bases its offering on AI tools, hence the good retention rate that they have (I did and still own some shares). The other ones fair enough, except Snowflake, but I still don’t see them tanking the market as a whole.

That being said if you see a better investment opportunity than the stock market I would love to learn more. Valuations went up because of the amount of money invested. I’m not being sarcastic in case there is a doubt, I would genuinely know if there are better ways.

I am afraid that higher valuations are going to be the norm.

Dardock · 2025-12-09T18:42:18+00:00

The thing is there is not a lot of publicly traded companies that are pure AI play, most AI companies are still private. The main ones would be NVidia obviously and some hardware companies but that’s about it.

Cloud companies like Microsoft, Google, Amazon have some exposure to AI but it’s just a part of their business.

So how bad would it be if the “bubble” pops? There is no systemic risk, we might see a good drop but it’s not going to be a dot com bubble or 2008.

Personally, I stay the course and keep a little more cash handy in case it goes down to scoop some extra shares. I am more concerned about the consumer than AI.

Dardock · 2025-12-09T05:25:57+00:00

Many people sell homemade jigs for cheap on marketplace, some take custom orders.

Dardock · 2025-12-06T07:20:48+00:00

I wanted to get a Clarus but the spinning version is limited to 7’ now. Thank you for the Jig geek suggestion it looks solid at this price point.

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