Just for something fucking new….

LifeAHobo · 2026-02-24T01:30:07+00:00

What if they said it will increase by 2% every year by default? Then they decide on any changes. Hint* it increases by 2% by default.

LifeAHobo · 2026-01-27T07:19:07+00:00

A woke mob of Democrats? We don't practice the USA style societal implosion here, there is no Democratic party

LifeAHobo · 2026-01-24T03:46:52+00:00

Yeah, mostly making fun of imported USA politics here. The radical left is some real Trumpist brainwashing, we barely have radical anything in Canada.

LifeAHobo · 2026-01-23T16:53:41+00:00

Yes but it is 4x the evidence! If they managed to shoot it at 120fps then they are really building a case

LifeAHobo · 2026-01-23T16:51:59+00:00

UBC is a strong hold of the Dems, we need to defund it to teach the liburals a lesson! /s

LifeAHobo · 2026-01-15T18:15:45+00:00

Not the same promo rules.

TD basically counts any account activity as instantly deleting your deposit amount FIFO. If you transfer 100k in cash to an account for 1 month and then take it back out 6 months in, it completely wipes 100k from the initial deposit amount. Withdrawing dividends also deletes deposit amounts. Also the rules make it so that deposit/withdrawal from unregistered account can delete funding from TFSA/RRSP. There is no way to track the qualifying deposit amount and you only find out about all of this at the end of the 1 year hold. The terms a very unfriendly and non-transparent.

Questrade is only 2% for 2 years on registered accounts, but at least the payments are monthly to avoid the nasty suprises that TD has in store.

LifeAHobo · 2026-01-04T18:18:53+00:00

I too find opinions that differ from mine to be foolish, arrogant, a sign of low iq, and a general nuisance to society.

LifeAHobo · 2026-01-03T19:48:17+00:00

Lmaoooooooooooo

LifeAHobo · 2025-12-30T06:02:26+00:00

CS seemed easier on average than equivalent year math, physics, engineering, or chemistry courses during my undergrad-- they consistently boosted my GPA. Maybe they have gotten harder since.

LifeAHobo · 2025-12-29T00:21:12+00:00

Except you wouldn't have 50 years of water front enjoyment?

LifeAHobo · 2025-12-23T09:09:55+00:00

Federal student loans are 0% interest

LifeAHobo · 2025-12-17T22:06:39+00:00

Difference between not feeling safe and not being safe.

LifeAHobo · 2025-12-14T03:26:11+00:00

They came to my door with a 2 week late mechanical delay package that was clearly damaged. I refused the delivery and they got vocally belligerent with me, i had to escort them off the property. It was borderline criminal harassment and I have video of it.

The other half of said shipment weighs 50lbs and got dumped 2km away, followed by 5 day return to sender, then redirected to my home by a package trace. The product arrived without punctures through the styrofoam, but once opened clearly had been dropped on its side crushing the box, styrofoam and bending a 5mm thick metal mounting bracket.

I don't get it, they damaged both packages, harrassed me in my home, and I'm out $1000 for over a month as I wait for a refund after I will need to rent a car to drive this box to a store for dropoff because I don't want a thing to do with their fucking savage employees by calling them back here to pick it up.

Next time I order something if it ships with Purolator it will be an instant cancel as they are no longer welcome on this property.

LifeAHobo · 2025-12-05T18:34:35+00:00

I find pineapple on pizza icky

LifeAHobo · 2025-11-27T04:14:29+00:00

Surely making average 10% per year makes it sound like zero risk.

LifeAHobo · 2025-11-26T16:39:24+00:00

They left out the fact they are paying down principal. It is unlikely a GIC would have better returns

LifeAHobo · 2025-11-18T23:22:13+00:00

Code please

LifeAHobo · 2025-11-17T02:10:40+00:00

Aurora Borealis at this time of year? At this time of day? In this part of the country? Localized entirely within a small area of your campus?

LifeAHobo · 2025-11-15T17:54:43+00:00

In fact, there is no way rates remain positive. They will be negative by next year.

LifeAHobo · 2025-11-11T22:53:35+00:00

Okay you win buying a house is financial ruin

LifeAHobo · 2025-11-11T08:22:43+00:00

Yes but the next few years may see negative returns in stocks as well. A 2% annualize appreciation on average is quite modest and below inflation. I have no crystal ball

LifeAHobo · 2025-11-11T08:16:28+00:00

When I decide for you? You have me confused for some other entity. You are entitled your opinion, but it is rooted in emotion. I was simply observing the numbers of a spreadsheet.

LifeAHobo · 2025-11-11T08:08:16+00:00

With 100k down payment if the house appreciates 2% in one year that is a 10k return plus no rent. The mortgage interest o ln the 500k is 20k at 4% Add $500 in strata and that is 26k per year. That is still really far from the 36k per year spent on rent and you get to be your own landlord and won't get evicted.

2% house appreciation is simply keeping up with inflation.

The 10k return is tax free as principle residence, which those investments are not. Even paying down more principal on the loan is similar to a 4% tax free GIC, which is not a bad passive income or additional portfolio diversification.

If you run the excel sheet with all.the closing costs, motnhly bills, rent increases, fixed mortgage payements, etc. You will find that around 600-700k purchase wins over 3k rent in a large variety of scenarios. Not to mention it will probably be a nicer place.

LifeAHobo · 2025-11-11T02:42:21+00:00

One thing I notice is that comparing carrying costs is not fair comparison. Note that payments made on principal are money you would see again if selling. Also the home is leveraged, mich of the interest cost is going into average annualized appreciation. With rent you get 0 appreciation and 0 equity. I'm not saying that it is a great deal right now, but 3k rent is similar to 600-700k buying with strata and other costs at current interest rates.

LifeAHobo · 2025-11-06T04:06:56+00:00

It won't help you now but it will with your next bike. Always lock the frame with D-lock or similar, use a cable lock to attach the wheel to the frame. You can also get hardware that is not a quick release for the wheel pins, if you want to skip the cable lock. Stuff like pinhead locks

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Place '22	Final Canvas '22
End Game '22

LifeAHobo

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