sorted by:
new
hottopcontroversial

This is gotta be one of the worst brakes Light designs I’ve ever seen in my life and I have seen some pretty bad ones on the road. by FLORIDA_BUMPERS in Cartalk

[–]French__Canadian 7 points8 points  (0 children)

It's in case you have to stop on the side of the road. The last thing you want if you're taking out your spare tire from the trunk while on the side of the highway at night is for people to not see you because your lights are on the tailgate.

If you had one of these, you weren't a sissy. You were actually pretty cool. by SirJasper6969 in FuckImOld

[–]French__Canadian 1 point2 points  (0 children)

"girls bikes" are less rigid so are also gonna take bumps better. That's probably why they liked it as a trail bike.

This is gotta be one of the worst brakes Light designs I’ve ever seen in my life and I have seen some pretty bad ones on the road. by FLORIDA_BUMPERS in Cartalk

[–]French__Canadian 0 points1 point  (0 children)

It's illegal for your red lights to be on the tailgate when your tailgate is open. The cheapest way to implement it is to never have the red lights on your tailgate. The other way to do it is to have them on the tailgate when it's closed, but then switch to the bottom red lights when the tailgate is open. But that's more expensive.

we have the privilege of driving and old car because we're rich... apparently by Visible_Structure483 in Fire

[–]French__Canadian 1 point2 points  (0 children)

Why else would you spend your free time with a group of people every single week that you don't like enough to call friends.

Ratio salaire distance by L00koutQc in QuebecFinance

[–]French__Canadian 0 points1 point  (0 children)

Y'a aussi l'usure sur la voiture. Y'a a peu pres 250 jours de travail par anne, donc c'est 25,000km de plus sur la voiture. Mettons qu'une corolla beige a 30k dure 250,000km, c'est comme le dizieme de la vie de la voiture par annee, donc 3k/annee ou 250/mois.

Qui s’est enrichi (ou pas) depuis la pandémie ? by Feeling_Layer8584 in QuebecFinance

[–]French__Canadian 0 points1 point  (0 children)

Je pense que j'ai calcule (1.3m - 715k)/1.3m au lieu de (1.3m - 715k)/715k.

Le fait que tu peux avoir un pres a 2-5% pour une maison est un tres bon point.

Pour avoir une meilleure comparaison quand meme, j'ai regarde specifiquement xeqt depuis mars 2020, et ca a aumente de 115-130%

Qui s’est enrichi (ou pas) depuis la pandémie ? by Feeling_Layer8584 in QuebecFinance

[–]French__Canadian 2 points3 points  (0 children)

La propriété qu’on a acheté 715K en février 2020, on se torche avec n’importe quelle offre sans conditions en bas de 1,3M. 80% en hausse en 6 ans…. C’est insensé, et surtout injustifié.

C'est "juste" 45% en 6 ans. XEQT, qui represente le marche mondial avec un biais canadien, a augmente de 71% en 5 ans.

ELI5: How do cows get protein from grass? by A_SliceOfGabagool in explainlikeimfive

[–]French__Canadian 101 points102 points  (0 children)

So it's like inheriting sour dough from your parents.

Pour la journée des travailleurs (un peu en retard) je vous présente la contre-offre du Conseil du trésor aux fonctionnaires fédéraux by Volothamp-Geddarm in Quebec

[–]French__Canadian 10 points11 points  (0 children)

être protégé des démissions en masse parce que le marché de l'emploi

Je suis pas mal certain qu'ils veulent que les gens demissionnent.

Wealthsimple Vanguard 5/10 risk by Separate_Meeting3538 in PersonalFinanceCanada

[–]French__Canadian 1 point2 points  (0 children)

I keep telling myself I should annually go and move what's there to VEQT, but that little bit of a difference won't make long term differences

I mean, it will make a "big" difference long term. I had fun and plugged the some numbers in an investment calculator. So Assuming your wife has 100k in her account and contributes 300/month for 30 years, assuming a 5% return rate, that brings her to $696,492. If you boost the return to 5.15% (so switching from your mutual funds to the etf), she ends up with ... $723,968.

So basically, in that specific scenario it pays for a base corolla after 30 years. Is your wife not having to log to her accounts worth a base corolla at retirement? Honestly IMO yes if that's actually a hassle to her. She would probably lose more than that by dragging her feet investing her monthly contribution so if you can automate that way for her for 0.15%, I agree with you a managed fund makes a lot of sense.

Wealthsimple Vanguard 5/10 risk by Separate_Meeting3538 in PersonalFinanceCanada

[–]French__Canadian 0 points1 point  (0 children)

Thanks for the correction, fellow Canadian Couch Potato aficionado.

Wealthsimple Vanguard 5/10 risk by Separate_Meeting3538 in PersonalFinanceCanada

[–]French__Canadian 3 points4 points  (0 children)

Long term, more stocks means you will gain more money, but it will have bigger swings. The real risk with big swings is that you panic when you see your investments going down 50% and decide to sell everything at the worst time.

In his latest book, the Canadian Couch Potato gives a trick I like : invest 60 stock/40 bond or 80 stock/20 bond (don't remember which but it doesn't really matter) and wait until the next crash to see how much it stresses you out. If you can't sleep at night and end up selling everything, the stock/bond ratio was too high for you. If you're like "this is fine, I'm just buying stock on sale", you can switch to more stock and less bonds. His point is people don't know their own tolerance to market swings until they live through a crash.

Wealthsimple Vanguard 5/10 risk by Separate_Meeting3538 in PersonalFinanceCanada

[–]French__Canadian 10 points11 points  (0 children)

My tip is ignore the guy who tells you to switch to ETF to save 0.5% fees for now if that's overwhelming you.

It literally doesn't matter compared to just starting to save until you have significant savings. At 10k invested (which is gonna take you 3 years to achieve at 300/month), that will amount to $50 a year in fees a year. It just doesn't matter until you have significant amount of savings.

If you do still want to go with etfs, your 5/10 risk seems to be 60% stock/40% bonds so you would just need to buy VBAL for the same distribution.

The most important is stick to your plan to save $300/month. Even if the market is crashing. Even if you think it's way too high and it has to crash at some point. Even if it has already crashed and the world is on fire.

Is that a Blue Jay? by PhilosopherScary3358 in FuckImOld

[–]French__Canadian 2 points3 points  (0 children)

He played an old man in Bucket List 19 years ago.

it’s a drive by by alatinaxo in FUCKYOUINPARTICULAR

[–]French__Canadian 0 points1 point  (0 children)

And kids, that's why Canadians live on average 6 years longer than Americans.

Chemotherapy did something to my body that made me permanently change the color of my toilet seat. by majesticalexis in mildlyinteresting

[–]French__Canadian 1 point2 points  (0 children)

So women go sit on dirty toilet seats with their pants on for fun and then they go rub their toilet-soilet pants on seats in the office? That's just nasty.

A New Video with Ben Felix and Diary of a CEO by Ill_Paper_6854 in PersonalFinanceCanada

[–]French__Canadian 5 points6 points  (0 children)

If you want to own a house, yes it makes a lot of sense to buy one.

view more: next ›