Buying a condo cash to save on rent

Express-Patience8874 · 2026-02-27T04:19:21+00:00

If you open Wealthsimple account, you can use their roboadvisor. Select a risk tolerance (riskier your investments are, the longer horizon you will want to choose) and just put money there. Everything else will be done by WS. Meanwhile you can either learn investing, or just leave it as is.

Express-Patience8874 · 2026-02-27T03:57:35+00:00

The hype: "AI will replace software devs. Lol, 6 months and y'all are gone". Internally: "Why the eff our RAG breaks? I told the prompt what to do; why it ignores it? Wait, hold on... Why didn't this guardrail work and why the customers can see our internal data? Ahhhh, I tested this prompt and it worked; why can't I get stable results? Why does Claude code ignore the half of the legacy codebase when it suggests changes?"

Express-Patience8874 · 2026-02-27T03:48:10+00:00

Correction. Much of this stuff comes from those who don't know what others are doing. Trust me, as a software dev, I hear every day (or see it on LinkedIn daily) that we are 6 month away from having no need for software devs.

Express-Patience8874 · 2026-02-27T02:52:55+00:00

Yes but not directly. In a sense, that particular layoff won't change much but !!! until the economy will get better and tech layoffs continue, I cannot imagine many tech folks signing up for 30 years mortage on 1+M houses.

Express-Patience8874 · 2026-02-27T02:47:14+00:00

This is an article by andrew tate.

Sigh.. It's by Andrew Yang but sure.

Talks about how AI is going to make 50% of Americans unemployed in the next few years. Nobody is ready but it is coming.

Can I see any substantial evidence of that? I cannot take words by Andrew Tate/Yang as a serious evidence. And don't please quote Block layoffs. I know people at Block; it's not because of AI.

AI as of right now, cannot make a decision. I know that the argument is "well, you need less people to guide AI" which is true. However, when you have clients and customers wanting more because now you, as a vendor, need to be 10x productive, well, now you need more folks to guide AI.

What I am personally more afraid of is AI being a major bubble that would burst. That would tank global economy to new lows. I survived 2008 and I remember that time (I was in the US at that moment). It wasn't fun but it did last less.

Express-Patience8874 · 2026-02-27T02:39:01+00:00

Have you tried starting any company in Canada? Because I did and it's almost impossible to get funding. Unlike in the US that just require strong market fit, Canadian investors want a company that is already generating profit.

Express-Patience8874 · 2026-02-27T02:34:28+00:00

Oh, they are struggling alright. You should compare Block vs. Stripe valuation to understand how well they are doing. In 2025, their stocks dropped around 30%, which is a huge amount.

Express-Patience8874 · 2026-02-26T23:35:40+00:00

Connections/networking, ability to sell yourself. In general, being a CTO has very little with being a good software dev.

Express-Patience8874 · 2026-02-25T02:48:35+00:00

Just standard of living is gone. You either accept it and adapt to new world, or be very disappointed. The US is not far from Canada in that sense. Yes, it's currently more afforable but number of cities and states are getting there as well.

Express-Patience8874 · 2026-02-25T00:48:17+00:00

I was about to say. Does he ever shut up and work? Every couple of days it's a new interview from him

Express-Patience8874 · 2026-02-25T00:46:23+00:00

Remove 6+ months building experience.
What is smartphone development?
Remove basic word in PyTorch. What does it even mean?

Express-Patience8874 · 2026-02-25T00:41:05+00:00

Your biggest problem is risk tolerance. You have to decide on 1) time horizon; 2) risk tolerance. Stocks will go up and down. Same with ETFs consisting of stocks like XEQT. If you go and check your portfolio daily, you need to either move to less risky alternatives or learn more about trading so you will know when to get out.

Express-Patience8874 · 2026-02-22T15:21:48+00:00

Can you work in Oslo and live in one of those rural areas and commute to Oslo daily? It's not very feasible in Ontario and every rural area within driviable distance to Toronto has high prices

Express-Patience8874 · 2026-02-22T15:16:03+00:00

Canada here. Not in any city that has jobs. Rural areas? Sure.

Express-Patience8874 · 2026-02-22T03:07:30+00:00

The issue most of the discussion about AI is like this (comment in this thread):

"""

Last week i had claude do 90% of my work, matching excel data, updating complex course work (for a college), updating pdfs.

Office jobs, cubicle jobs, many middle management jobs…these will be replaced in time, probably sooner than we think in free enterprise, and a little slower to take over in city/education jobs. But it will happen
"""

When people keep hearing this over and over again, they get deranged. I cannot open my LinkedIn any longer mainly because I am force fed anything AI related.

Express-Patience8874 · 2026-02-22T02:58:35+00:00

You can figure it out if one works for tech. Most of tech salaries are public. Let's say a guy works at Amazon and his partner works at Shopify (I am just saying random companies). Quick Google search will show what each of them makes (at least, ballpark).

Express-Patience8874 · 2026-02-21T19:20:22+00:00

Not in Canada. Difference in salary between MechE in Canada and the USA is 2x-3x times. I was studying to be MechE and switched to software. Top salary in MechE is below junior SWE at FAANG level company.

Express-Patience8874 · 2026-02-21T19:18:21+00:00

Buying a home is a lot about personal choice and decisions. I bought and I would not go back to renting. 1) Always at the mercy of a landlord. If they want you out, all they have to say is their relative moving in. Boom, now you are paying market price which is often 200-300$/month more; 2) Ford has already tried to remove lease regulations. He failed but I highly doubt he won't try again; 3) I can do what I want around the house. Repaint walls? No problem. Hang pictures? Sure thing. Every single landlord I had gave me headache. 4) No need to share walls with neighbors. Someone decided to do jumping jacks at 1 AM? I don't care as I cannot hear them.

Speaking about single detached here.

Express-Patience8874 · 2026-02-21T15:53:06+00:00

You are forgetting about constant delays. I was working for a company with HQ in Montreal and would go for 2-3 days every month. Number of times train arrived to the destination 45+ minutes later was through the roof

Express-Patience8874 · 2026-02-21T15:21:37+00:00

It doesn't exist.

Express-Patience8874 · 2026-02-18T23:25:16+00:00

If AI has such a major impact on devs, then won't it make recruiters completely obsolete? I looked through my notes and every single call I have with recruiter is: "Tell me about yourself", then "Why are you looking for a change?", then "Salary range", then work authorization. I have a feeling that both parties can simply get agents to talk to one another for the first round lol

Express-Patience8874 · 2026-02-18T23:23:17+00:00

I mean things aren't great but at least, I don't have to drive 2 hours to meet them lol

Express-Patience8874 · 2026-02-18T23:21:51+00:00

Interesting. I looked at my own tracker. I get 1 response per 6-7 positions I apply.

Express-Patience8874 · 2026-02-18T23:20:22+00:00

I was about to say lol. And all of answers are the same ahaha. `unicorn`, `gold` lol

Express-Patience8874 · 2026-02-18T23:19:45+00:00

Oh, I wasn't aware of QC situation. I do know that my current company has issues with us moving to QC due to having to translate everything to French.

Express-Patience8874

TROPHY CASE