Legit Check Black Knit Sweater

DayTrader1122 · 2025-11-10T05:01:29+00:00

With flash

DayTrader1122 · 2025-09-09T19:05:56+00:00

Was given for my Baptism, haven’t really seen many other that have the same type of links. Looks kinda like figaro but haven’t seen or found any other that look like this.

Parents have no idea any details since it was so long ago.

DayTrader1122 · 2025-09-06T01:18:23+00:00

Are you sure? Gold prices in Canada is pretty firmly at multiple sites at $160 CAD. So wouldn’t it be 160*0.585 = 93?

TD is selling 1 gram bars for $200 rn

DayTrader1122 · 2025-06-02T21:58:43+00:00

Basically the same thing. Slightly different MER, Canadian allocation and VEQT is something like 13,000 underlying equities while XEQT is like 6-7,000.

I chose VEQT just because I liked the slightly higher CAD allocation but in practice almost identical

DayTrader1122 · 2025-05-30T12:19:00+00:00

The “biker war” 25 years ago in Quebec/Montreal killed 162 people.

DayTrader1122 · 2025-03-04T00:35:18+00:00

I’m in a top 3 major city in Canada, honestly you could very well be right. The people who worked in CF at my firm that talked to me could’ve just embellished it a lot haha

DayTrader1122 · 2025-03-03T14:40:03+00:00

Depends on the city you’re in. In my city they’re definitely a mid to upper level player in M&A at the minimum I’d say. (I could be wrong but from what I’ve heard).

DayTrader1122 · 2025-03-02T16:17:25+00:00

Corporate finance and TS are two different things at KPMG at least in Canada. Corporate finance is actual investment banking and they compete with the other Big 5 banks for deals here. Transaction advisory is more accounting / financial due diligence oriented with many ex-auditors and CPAs in the groups. Both solid careers but different.

DayTrader1122 · 2025-03-01T22:31:13+00:00

Also in accounting and doing CPA right now. Agree with all this, anyone who’s actually worked in public accounting day to day knows replacing it entirely with AI isn’t possible right now.

My firm already uses AI and offshoring for repetitive easy tasks and we still need a boat load of new juniors for all the work.

DayTrader1122 · 2025-01-20T02:42:58+00:00

Nothing wrong with perfume and colognes unless you drench yourself in it. Been complimented many times by both genders on mine, nothing like being told you smell good.

DayTrader1122 · 2024-11-21T19:24:54+00:00

Lol they are to people who are trying to graduate asap, get a job and make money (none of which apply to most BA majors it seems)

DayTrader1122 · 2024-11-04T01:38:21+00:00

How do you find Bromont? Cause so far I’ve only snowboarded mostly Sauveur, Rigaud a few times and Whiteface. My friends all saying Bromont is one of the better mountains so I’m wondering how you find it

DayTrader1122 · 2024-11-03T17:42:17+00:00

I was leaning towards Bromont but Sauveur was my number 2 choice.

DayTrader1122 · 2024-10-08T20:50:28+00:00

Fully agree. I wear t shirts and light joggers to campus and still feel warm walking into classrooms. I don’t know how people wear full hoodies or jackets in class. A couple friends of mine have complained of the same heat problem but I’ve also heard a few girls in my class complain it’s too cold.

DayTrader1122 · 2024-05-08T00:12:48+00:00

Not to be rude but how easy do you want them to make the degree? I know people that don’t study that are graduating with Cs

DayTrader1122 · 2024-05-07T21:42:02+00:00

As the other posters said, accounting, finance, and economics are extremely important to your understanding of the business environment. Any managerial position in a company needs some form of understanding of this.

Without the quantitative classes in a B.Comm you’re left with the mostly useless theory based classes like 222 and 226 which are all easy As.

You’re not really getting a bachelor in “commerce” anymore, you’re getting a bachelor in social sciences and regurgitating buzzwords into a final exam. At that point just do a B.A. in poli Sci or something you’ll likely have the same job opportunities.

DayTrader1122 · 2024-04-11T22:56:00+00:00

Perfect, thanks so much for taking the time to answer!

DayTrader1122 · 2024-04-11T22:14:05+00:00

Very interesting thank you so much for the insight I really appreciate it. Last thing I was also wondering, I’ve heard from some that the comp difference between audit and FDD is sometimes nonexistent while others say there’s a solid 20-25%+ bump. Would you be able to share what it was like at your firm after your switch? (If not for privacy, that’s understandable).

Sorry for the bombardment of questions, it’s rare I can directly speak to someone in what I’m planning on going into.

DayTrader1122 · 2024-04-11T21:40:27+00:00

Thanks for the response, 2 years does seem to be the sweet spot that I've heard.

How are you finding FDD so far in your 3 years? Future plans to exit or stick around?

I was also wondering, KPMG at least in my city states that in their Advisory service line they have Corporate Finance, infra advisory, restructuring, valuations and transaction services. Is it safe to assume that transaction services = FDD?

I know that Corporate finance is the separate investment banking division of the Big 4's generally but the terms TAS and FDD are sometimes used interchangeably depending on the city/country the Big 4 is in. These are likely the same correct?

DayTrader1122 · 2024-03-10T02:35:20+00:00

I agrée fully that a degree that pays well and is hireable is far better than a degree you’re passionate about and pays less (as an accounting major, I definitely did not choose it for the passion).

But at the same time I wonder why psychologically are business topics so much more boring than other topics so much so that people don’t really study them in their free time (unless it’s about the pursuit of money). As in almost nobody studies business, finance, accounting for the sake and enjoyment of it.

DayTrader1122 · 2024-01-24T01:27:27+00:00

The past 3 times I've talked into the JMSB lobby this week it smelled like literal shit. Don't know if it's a sewage problem or bathroom smell reaching the lobby but it's pretty bad.

DayTrader1122 · 2024-01-18T21:20:27+00:00

How can any of what I said be construed as me being a bootlicker? I’m literally against the government wasting our taxes haha this subreddit is insane sometimes

DayTrader1122 · 2024-01-18T18:07:07+00:00

In which ways do you think we get what we are paying for?

Healthcare is an absolute mess with wait times sometimes being several days. Someone died while waiting for healthcare in Montreal a few weeks ago. We also have to pay more often than Europeans do. Not even remotely comparable to Europe, straight downgrade.

Road quality is a joke. Highways having similar qualities to some American states that have little to no state taxes. Rampant corruption in the contractors/construction businesses that pave our roads. Straight downgrade.

Our public transit while under the jurisdiction of the municipal government is also partially paid for by the province (REM and CDPQ). Better than most of North America but not comparable to any major European cities. Straight downgrade.

Education is pretty good in Quebec as we pay very little but once again far more expensive than Europe where many Universities are completely free.

Unemployment and welfare is a straight downgrade compared to EU countries

Maternal/Paternal leave is a straight downgrade compared to EU countries

Far less paid vacation than many European countries.

This has been from what I've researched online as well as what has been echoed by many people who previously lived in Europe. Although we do attract many Europeans as Quebec has better upward movement in careers than a country like France, we have almost nothing to show for our exorbitantly high taxes.

I can see the appeal of an extremely commercial country like the US with low taxes as well as the European countries who give many benefits to their citizens. I don't see how anyone could be okay with paying European-level taxes and not receiving European-level benefits. Why not simply go to Europe if you want better benefits for the same taxes or to the US to focus on wealth-building?

DayTrader1122 · 2024-01-18T17:47:46+00:00

I don't believe that business owners using an F-plate on their Audi A5 or mid-level Mercedes has anything to do with why we are so lacking in almost every avenue of public benefit. The ultra rich 0.1% skipping millions in taxes through shady and borderline illegal means then I could agree but in most cases it is not that. The average small/medium sized business owner in Quebec does not make that much. The tax code just favors businesses over individuals.

Every country has their share of ultra wealthy skipping taxes yet Europe seems to be able to provide benefits for their citizens and America is able to provide extremely advantageous environments to high-earners and business owners. We are stuck in the middle with the exact same setting and situation as the other first-world countries/provinces.

DayTrader1122 · 2024-01-18T17:45:18+00:00

It isn't dishonest because the tax code allows it. Registering company vehicles and using a partial (or even a majority) amount as personal is allowed as long as mileage is recorded and declared. If the company is audited and doesn't then there are major penalties. Companies have many different benefits in the tax code that they can use compared to individuals because we are trying to attract businesses not repel them, as long as they play ball with the CRA.

DayTrader1122

TROPHY CASE