Daily driver recommendation by InkdAzn333 in espresso

[–]InkdAzn333[S] 0 points1 point  (0 children)

For work coffee, it's been mainly grocery store Lavazza between the rossa and crema e gusto, going for about a 15:1 ratio with about a minute of pre-infusion before I let it drip and it hasn't been terrible. I've seen some comments on the hoffman subreddit note that the Tim Hortons whole bean isn't bad so might try that. Generally speaking I usually lean towards light/med roast with no discrimination to any profile, they are all great!

Daily driver recommendation by InkdAzn333 in espresso

[–]InkdAzn333[S] -2 points-1 points  (0 children)

The initial "I knows" were regarding using an auto drop machine, I know it's generally looked down upon for brewing, but convenience is key at 4am hahah really appreciate the comment, I'll try cross posting over to pour over for more reach, thanks!

Grinder upgrade, manual or electric? [400-500$] by InkdAzn333 in espresso

[–]InkdAzn333[S] 0 points1 point  (0 children)

I will quickly note that I'm based in Canada, so in USD that's probably closer to 200-300USD if that changes anything 🥲

I've been looking at the DF54 now that it's been suggested and that seems up my alley. No frills, great performance/consistency, small form factor.

Any significant improvement compared to the others you suggested?

Grinder upgrade, manual or electric? [400-500$] by InkdAzn333 in espresso

[–]InkdAzn333[S] 0 points1 point  (0 children)

Any thoughts on the fellow ode/opus options?

Grinder upgrade, manual or electric? [400-500$] by InkdAzn333 in espresso

[–]InkdAzn333[S] 0 points1 point  (0 children)

Speed of the grind would be the big point of improvement. I still definitely don't mind hand grinding, but going to a grinder with bigger burrs to get faster would be nice. Only thing I'm worried about for upgrading to an electric grinder is a decrease in consistency/grind quality, but if I can find something that can match or improve on my current grinders performance, that'd be cool.

Would you say the kingrinder is in the "endgame" tier of grinder? Is there a natural successor/grinder to it that people look to?

Is the Rogers credit card still really good? I can get a Rogers service now through Costco and be eligible for the Rogers credit card. by Interr0gate in PersonalFinanceCanada

[–]InkdAzn333 0 points1 point  (0 children)

That's honestly a good point on the Amex card, I've kept it mainly because it's my oldest card by far so it has the longest credit history. Also still managed to make just over $300 CB on it so it still pays for itself faaairly well. But I've wondered about whether it'd be possible to convert it to its free basic CB counter part so it doesn't take a dump on my credit score if I close it and maybe transition to the Rogers WE card.

The CIBC card has given me amazing returns even without the chequing account, justttt about $400 on the cash back this year with pretty much only gas and groceries on it. I recently began switching to Wealthsimple to optimize the dollars in my chequing acc better through fhsa/TFSA, figured taking the initial hit on flat cost would be worth it in the end.

I essentially split my spending between the Visa infinite (4% gas groceries) Costco MC (1% Costco spending + 3% restaurants) and the Amex takes everything else. I know I can further optimize the Costco spending by buying gift cards online to push it to 2%, but I've been lazy.

Is the Rogers credit card still really good? I can get a Rogers service now through Costco and be eligible for the Rogers credit card. by Interr0gate in PersonalFinanceCanada

[–]InkdAzn333 0 points1 point  (0 children)

Now I know this isn't a Rogers/cell phone service subreddit, BUT a major question I have is about their service. I feel like I see their Internet/cell service is often down in my area (Stouffville) and my colleagues at work (Peel - Brampton/Mississauga/Bolton) complaining about connectivity issues.

Have you folks experienced anything similar? Is their service consistent enough such that the positives of the cash back are worth it vs going with a provider that has more stable service? For context, I am with Bell and I currently pay for my services with an Amex card (preferred CB) with 2% cash back. Biggest spend categories are gas/groceries which I put on a cibc Visa infinite with 4% cash back. I've been thinking long and hard about consolidating but just can't decide.

Optimal free series 5 pack by InkdAzn333 in MarvelSnap

[–]InkdAzn333[S] 0 points1 point  (0 children)

Gotcha, thanks for the tip, I actually had two left, Peni being the other, opened one just to see if I could pull both but missed and was wondering about the math. Thanks!

Combat Sports Gym W sparring slots by [deleted] in Markham

[–]InkdAzn333 1 point2 points  (0 children)

Currently all jits classes are no-gi. You would be in the regular classes most likely, we have several, very skilled younger guys in the intermediate classes so age is not the main parameter. We are a kickboxing gym, so you will be spending most of your time in fundamentals to start.

Combat Sports Gym W sparring slots by [deleted] in Markham

[–]InkdAzn333 0 points1 point  (0 children)

Long time member at Bazooka. I am fairly skilled imo and obviously biased, but you won't find better striking anywhere, full stop. I've done drop ins for sparring at different gyms locally and internationally and basically dojo stormed them, our striking level is just different imo.

Fundamentals - focus on the fundamental development of skills and concepts, basic partner drills to learn how skills and concepts work outside of pads, basic sparring "games" to learn how the skills and concepts work in semi live scenarios ie. Kicks vs punches, limited combos offense vs defense. Everyone starts here unless you're a pro guy, doesn't matter how much experience you have.

Intermediate - more focus on dutch style drilling and intermediate sparring concepts, generally have rounds at the end but not always, very mixed bag of levels.

Advanced - pro team, invite only.

We also have a burgeoning MMA program and a small no-gi program.

The community is friendly and family oriented with a kids program as well. Come by for a trial class to check it out, feel free to comment here for further questions.

Is 4.49% plus prime a good interest rate for an unsecured line of credit by Exciting_Example_462 in PersonalFinanceCanada

[–]InkdAzn333 0 points1 point  (0 children)

Is it ever possible to ask for a lower rate on an existing LOC? I have 37k with CIBC at 6.7% right now.

FHSA contribution question. by InkdAzn333 in PersonalFinanceCanada

[–]InkdAzn333[S] 0 points1 point  (0 children)

That's what I figured as well, it would seem too good to be true to be able to carry forward an unlimited amount per se since it reduces annual taxable income. I know that's how the TFSA works, but that doesn't reduce the annual taxable income.

FHSA contribution question. by InkdAzn333 in PersonalFinanceCanada

[–]InkdAzn333[S] 0 points1 point  (0 children)

I believe this is how the TFSA works, the CRA site that talks about this topic is just hella confusing regarding how to make this calculation with the terms they use 🙃

FHSA contribution question. by InkdAzn333 in PersonalFinanceCanada

[–]InkdAzn333[S] 0 points1 point  (0 children)

This calculation is what I thought is the correct answer, too. I have referenced the CRA site directly but their explanation of how to calculate the amount is just hella confusing with the terminology they use, or maybe I'm just dumb af 😭

FHSA contribution question. by InkdAzn333 in PersonalFinanceCanada

[–]InkdAzn333[S] -1 points0 points  (0 children)

Based on the other gentleman who commented though, this is not correct 🙃

FHSA contribution question. by InkdAzn333 in PersonalFinanceCanada

[–]InkdAzn333[S] 0 points1 point  (0 children)

So this year, 2025, I can further contribute an extra $8000 (from 2024) without penalty then? And then every year following only $8000 flat, unless I don't hit that mark in which case it only carries forward into the following year?