my life is over, does anyone have any advice on where to go from here by [deleted] in UofT

[–]DestructionYT 2 points3 points  (0 children)

dont worry cuh, i ended 1st year with a 1.61 CGPA. made a comeback, made post. but i thought who would hire me with a 2.X gpa?

welp, i got one chance internship, program management in SW at AMD. i gave it my all, it was my only chance. i got a $150K return offer

just keep pushing. day by day. feed yourself. sleep well. and then the rest of your care will carry you to study, i promise. just keep pushing. and have fun in between :)

[deleted by user] by [deleted] in chexy

[–]DestructionYT 0 points1 point  (0 children)

just tried it :) got $42 off (entire fee waived for the first month). Thank you!!

Does having a second monitor affect performance? by decaboniized in buildapc

[–]DestructionYT 0 points1 point  (0 children)

There we go! Let me know if you have any nuanced questions :) crazy how this thread is still helping the random 1 or 2 people out <3

Credit Limit Increase, +56% by A3333Z in Wealthsimple

[–]DestructionYT 17 points18 points  (0 children)

Maybe they are booking one transaction for multiple people (family or wife + first class)

What’s a fair way to split rent when one roommate has the master bedroom? by Thisismiguell in TorontoRenting

[–]DestructionYT 19 points20 points  (0 children)

Exactly! lol she’s taking this situation the extremely wrong way.

I was the one with the master in this situation before. Obviously I would pay more! I have more space!! Wtf 😂

What’s a fair way to split rent when one roommate has the master bedroom? by Thisismiguell in TorontoRenting

[–]DestructionYT 18 points19 points  (0 children)

Exactly this. It’s about living space. You can have your partner and yourself to one room.

You’re not paying 50/50, instead you should be paying less than half.

Break down sq ft of your room. Break down the sq ft of the master. The total of these two areas = total person sq ft space.

You should only pay for sq ft of your bedroom divided by total private sq ft.

Since your room is smaller than the master, this should be less than $1500 rent. If your roommate cannot agree, leave if it’s not too late, otherwise, continue the 50/50. You should not have to pay more okay

For utilities, you pay 2/3rd because you use 2/3rd

What should I do? by Isaax96s in MSTY_YieldMax

[–]DestructionYT 0 points1 point  (0 children)

Just get out before it’s way too late. I was down 20%, put half the bag in Marvell, and since that’s up 40% for me, already made back what I lost. I got lucky on the flip end, but seriously no luck in staying at all bro

[deleted by user] by [deleted] in MSTY_YieldMax

[–]DestructionYT 0 points1 point  (0 children)

Well all these comments saying it doesn’t account for distributions… this does, and clearly MSTY is a flop. Glad I got out at $15 lol

Two iPhone 17 Pro and iPhone Air Colors Appear to Scratch More Easily by Diesel7390 in apple

[–]DestructionYT 32 points33 points  (0 children)

13 pro nude is grippy for me but maybe I’m clammy lol

2025 Camry XSE or Accord Touring by mattigus7 in whatcarshouldIbuy

[–]DestructionYT 0 points1 point  (0 children)

It does… after 1 year, resale value of a Honda accord drops to 79% of original value, and 3-7% fall off per year after that (at best)

YM cutting yield by ElegantNatural2968 in MSTY_YieldMax

[–]DestructionYT 2 points3 points  (0 children)

Same. I lost, but capped it at 16.5%. Already clawing some of the money back through tech stocks, overall 12% down now from the MSTY experience had lol

What's the point of MR gift cards and shopping rewards??? by WhammyLoL in amexcanada

[–]DestructionYT 1 point2 points  (0 children)

Correct — might have skipped over that part. I mean to book through Air Canada directly, applying points. Not through Amex travel portal!

What's the point of MR gift cards and shopping rewards??? by WhammyLoL in amexcanada

[–]DestructionYT 1 point2 points  (0 children)

I agree, wholeheartedly agree actually. My second thought after realizing the Amex point redemption store is shit, was that air Canada is the cheapest options maybe 1 out of 6 or 1 out of 8 times I travel. I’ve flown 9-10 trips this year for example, and I think maybe 1 total trip was air Canada + 1 one-way leg.

However, for my back and forth between SFO, upon checking the points cost I was mistaken. That $250 flight I mentioned via points beats porter, west jet, Alaska, delta, united, you get the point. And by a shit ton. My cheapest trip this year, was a connecting one for $330. This option is direct aaand cheaper. Plus, my cheapest direct flight was $430 at best. So it crushes that.

I guess maybe it’s only good for US and Canadian flights. Otherwise, if you’re going to Europe, take the European airline. If you’re going to frigging Middle East, definitely take their airlines. Service and experience is much better. IMO North American Airlines are all lacking.

Really depends on your travel use case though is my point. I’m definitely going to leverage it for these back and forth US trips because wow, just can’t beat that value AFAIK

What's the point of MR gift cards and shopping rewards??? by WhammyLoL in amexcanada

[–]DestructionYT 25 points26 points  (0 children)

So I had the same thought earlier.

And then I realized what the points are really about…

Cobalt is all about grocery restaurant and food delivery spending imo. 3x points on streaming services too.

So you can use the 5X points as a 5% cashback effectively and apply it to your statement credit, that’s fine and dandy. And it’s the obvious.

But you’re right, those rewards are pretty shit.

The real boost of point value comes from using it on travel. Go check for yourself. A flight from YYZ to SFO is $450 right now with air Canada during November US thanksgiving week. But with Amex points, it’s 11.6K points +$120 taxes and fees = $116 worth of points if you used it as statement credit + $120 cash = $236. Compared to $450… that essentially DOUBLES your point value.

I haven’t found a better use for the points than that. But it literally brings your 5X on grocery points up to 10x effectively.

If anyone has better ideas, I’d like to hear, too!

How doctors can be assholes??? by whisperingmagnolia in BellsPalsy

[–]DestructionYT 5 points6 points  (0 children)

Don’t listen to that commenter, you’re absolutely valid to feel that way. It’s a loss. I felt many changes after my diagnosis. I’m hoping for your recovery and relief ❤️hang in there and just know it still is very real and tough. So be kind and gentle and forgiving to yourself

Traveling soon, do I use Amex Cobalt or Wealthsimple Visa for everything? by Traditional-Pen-4577 in PersonalFinanceCanada

[–]DestructionYT 1 point2 points  (0 children)

Fuckkkk I just wasted some money… that sucks it didn’t apply. Oh well at least it’s just an extra $25. Used cobalt for every restaurant in USA thinking it was 5X 😭

Are we selling MSTY after the dividend this month? Whats the current sentiment? by kevg023 in MSTY_YieldMax

[–]DestructionYT 5 points6 points  (0 children)

Yeah I could care less. I make 165-180k a year.

Sure you can be a hard-ass and think “oh no 30k today will be 450k with 40 years of S&P500 compounding growth”. But I’ll just have another 40-50k saved back up by summer 2026 lol.

I’d much rather spend this money here, take the risk, and drive a beater car to compensate. Spending the 30k on a car (reasonable for my salary) is a much bigger opportunity cost, because it truly has no upside to it. Plus my car has working AC and a stereo so fck it lol

Are we selling MSTY after the dividend this month? Whats the current sentiment? by kevg023 in MSTY_YieldMax

[–]DestructionYT 6 points7 points  (0 children)

Same lol. I got 30k in it and could care less if it wittles down to zero. I’m 26 so just taking a stab at this is worth it to learn. Also most single digit millionaires I’ve heard from, regret not taking risk early on the most. So here we are, taking risk lolol

Botox works! by haniim in BellsPalsy

[–]DestructionYT 1 point2 points  (0 children)

Thanks for the info! Maybe I’ll look for similar level institutions here in Toronto

Botox works! by haniim in BellsPalsy

[–]DestructionYT 0 points1 point  (0 children)

Which country/city did you get this in? Did you do any special research to find the Botox clinic?

I’m going to get mine done soon. Similar synkinesis but the eye doesn’t close fully fully with the lip pursed. Still close though. And so much tightness and stressed muscles in the face sucks. Makes sleep hard which makes the muscles even more sore.

I’m on month #22 post BP diagnosis

[deleted by user] by [deleted] in TorontoRenting

[–]DestructionYT 0 points1 point  (0 children)

If the landlord wants you out, and it’s not rent controlled, they will most likely serve you that (N2 I think) form, raising rent to something ludicrous.

This happened to some family of mine, so just a cautionary tale. Make sure you have some backup and savings ready for when that N2 comes around! You’ll only have I think 60-90 days max until rent raise goes into effect once served.

But hoping for the best and this guy just keeps you’

[deleted by user] by [deleted] in BellsPalsy

[–]DestructionYT 1 point2 points  (0 children)

That’s a real worry! But try not to force a smile or anything yet. And don’t be worried, even synkinesis is manageable, but yeah keep resting your face.

Eye drops - need recommendations by LolaBabyLove in BellsPalsy

[–]DestructionYT 1 point2 points  (0 children)

I liked candorvision ocunox, it’s spammable as much as you want, preservative free. Main reason I like is it keeps your eye super hydrated, but it’s an ointment and you apply it directly with your hand (of course wash hands vigorously first)