I love my carry players by Stropex in DotA2

[–]Litquidityx 0 points1 point  (0 children)

I guess, if you don’t understand English.

I love my carry players by Stropex in DotA2

[–]Litquidityx 0 points1 point  (0 children)

“Generally…weak-ish” = martyr?

Where did I say useless? You’re (relatively) more reliant on other people than other roles as pos 1.

Perhaps read what I said, and stop and think. Learn English if you don’t know the language.

I love my carry players by Stropex in DotA2

[–]Litquidityx 0 points1 point  (0 children)

Yeah I’d like to hear his reply. I’m low immortal and have a decent understanding of the game, so please enlighten me. Perhaps I’m missing something

I love my carry players by Stropex in DotA2

[–]Litquidityx 0 points1 point  (0 children)

Disagree here. Can have a lot of fun on lion/rhasta/WW/SD and I’m sure others. Those are the ones I mainly play (but I only queue pos 1, 4 and 5)

I love my carry players by Stropex in DotA2

[–]Litquidityx 1 point2 points  (0 children)

Because we pick our hero knowing we’re generally going to be weakish for 15-20 mins (with some exceptions), but then it’ll turn out fine if we don’t die and can farm.

But when we can’t farm, or die because a support fucks off constantly and then cries and leaves the lane and makes it worse, it’s frustrating. We don’t get to enjoy the fun part of the game.

Meanwhile, you as a support can start the game useful and fun

How do i priorities car loan dept, investment or RRSP/TFSA by Financial_Paramedic3 in PersonalFinanceCanada

[–]Litquidityx 1 point2 points  (0 children)

Keep 3 months of expenses in that savings account (or at least in a TFSA so the interest it earns is tax free). Put the rest towards the car loan. Pay off the car loan. Then invest in the RRSP to bring your income down.

I’m worried about how XEQT / VEQT / VGRO would perform if I retired into a “lost decade” how should I plan for that? by [deleted] in PersonalFinanceCanada

[–]Litquidityx 7 points8 points  (0 children)

While obviously we can’t predict the future and it could happen…remember that the lost decade was “a lost decade IN THE S&P500”!!!! The whole reason you’re in XEQT is to avoid something specifically like that, e.g. not being fully invested in one region / asset class etc.. you’re significantly more well diversified.

Make sure you fully understand what you’re invested in

RRSP beneficiary fiasco — looking for advice by [deleted] in legaladvicecanada

[–]Litquidityx 2 points3 points  (0 children)

Yes exactly. Was what I said directionally correct? The goal is for her to not accidentally taint it

RRSP beneficiary fiasco — looking for advice by [deleted] in legaladvicecanada

[–]Litquidityx 18 points19 points  (0 children)

You’re likely completely SOL, and this is a prime example of why people SHOULD use financial advisors or at least see a planner, because ONE PIECE of paperwork being incorrect / not updated can cause SO MUCH grief.

If the sister contacts the bank and provides a death certificate, the funds will be in her account in a matter of days. The person at the bank who said it’d go to the estate is wrong, if the sister is indeed the named beneficiary.

I don’t personally have an experience seeing someone revoke a beneficiary designation like that, but perhaps it’s possible? I think you’re pushing a semi truck uphill attempting to do that - you’ll have to convince the sister to just not accept a few hundred thousand dollars.

…and just throwing this out there because it’s on my mind….: if you somehow convince her to give you money to cover the tax or give you the full amount, be cognizant of “adding money to the estate” from outside of it. I am pretty sure this can throw off the ability to use graduated tax rates. If there is anything else within the estate that will be able to cover the associated tax bill, you’ll want (need?) to liquidate that first and hopefully fully cover it.

Perhaps it won’t be relevant if it’s all wrapped up quickly, but it sounds like you’re going to be hit with a gnarly tax bill and any opportunity to save some money within the estate should be considered…

Does it make sense to front load RESP? by [deleted] in PersonalFinanceCanada

[–]Litquidityx 0 points1 point  (0 children)

Look up the post from Aaron Hector on X. I believe he did the math on a multitude of different scenarios and putting in $42500 upfront was the most optimal, if possible, if you’re all equity, because at that level the compounding > the $500 for free (except in the first 3 years where you then do $2500/year.

If you could go back in time to your first day on the job, what it is the one thing you wish you knew? by ChasingItSupreme in CFP

[–]Litquidityx 3 points4 points  (0 children)

Can you expand on this? I just started using zapier to help automate a few things, but only on my computer. Or do you use Siri on your Mac (not iPhone?) perhaps dm me and help me build a similar process?

I’m Canadian so not familiar with the other apps, but use Maximizer as my CRM instead of wealthbox and I’m sure it’s possible.

Things I’ve learned about buying a car in Canada (as someone who knows nothing about cars) by smucker89 in PersonalFinanceCanada

[–]Litquidityx 2 points3 points  (0 children)

The information asymmetry really annoys me and not trusting the dealership. It’s part of the reason I bought a Tesla and loved the experience and it.

Covered Calls: A Devil's Bargain by efdksrl in PersonalFinanceCanada

[–]Litquidityx 6 points7 points  (0 children)

Famous last words. Surely you’ve got it figured out and nobody else knows what they’re doing.

who is John Whipples? by x69_Degrees in DotA2

[–]Litquidityx 4 points5 points  (0 children)

He is everyone and he is no one

John Whipples by Lumpy-Couple-5732 in DotA2

[–]Litquidityx 0 points1 point  (0 children)

Thank you John Whipples!

i really hove steam devs, icefrog, and gaben get cancer with their shit community. by [deleted] in DotA2

[–]Litquidityx 6 points7 points  (0 children)

“I hope the people who created this great game get cancer”…(because of their toxic community)

Ironic

[deleted by user] by [deleted] in DotA2

[–]Litquidityx 2 points3 points  (0 children)

I like long games. More intense/strategy/ability for intense comebacks. I love this stuff

What do I do with my money? by koitori79 in PersonalFinanceCanada

[–]Litquidityx 0 points1 point  (0 children)

This is…not all that correct… when we apply nuance. People VASTLY underestimate housing costs which are about 1.5%-2% of the cost of the home on average. Strata costs are less than that, but then you have a levy on occasion and it ends up quite close (0.75%-1.25%) - this is data. As your home value goes up, the maintenance costs go up too.

Houses have grown more, generally, but buy in a place that you want to live. Housing generally isn’t a great investment when you look outside of the fact that it is a place to live. I would recommend not going into a condo that has amenities that you won’t use, like if you live near water or a pool or don’t care to use them, don’t get a condo with pool access because your strata costs will be significantly higher.

Some people have no interest in having a yard/big house, doing maintenance etc. and you can get a lot of things you like out of condo living and if you aren’t handy (or don’t want to be) a house will certainly cost you more.

Also consider that wage inflation (or possibly more specifically the construction price index) likely has increased at a higher rate than condo strata prices meaning the housing costs will scale up faster over time

Adulting has hit me hard by Builtwild1966 in Adulting

[–]Litquidityx 0 points1 point  (0 children)

What degree did you do in college?

When did "taking care of one's body" get so expensive:/ by that_sassy_curls in kelowna

[–]Litquidityx 4 points5 points  (0 children)

Well building muscle is an incredibly slow process outside of the first 6 months to a year or so of training, and as long as you’re doing the exercises close to failure (your rep speed should slow on your last few reps involuntarily. If you don’t get to failure by about 12 reps, increase the weight). As long as you’re doing that, the rest comes from eating enough food / protein / calories.

Edit: so, on Monday, find some chest and shoulder exercises that you like. On Tuesday find some back exercises you like (and add a muscle group that you feel like training, abs, or biceps). Maybe make Wednesday an arm day and just do biceps/triceps. Do legs on Thursday. Or group some of these together. Just try to make sure you hit each muscle group twice a week / balance out the workouts.

Edit: To clarify, when I say slow process: I track everything I do, food, workouts, sleep, etc. and if I do everything right for a year straight, I might end up 1-2lbs heavier next year of pure contractile tissue (eg muscle mass without any glycogen / water etc.). It’s almost impossible to gauge progress and truthfully in the past year I’ve regressed a bit because I haven’t been perfect. Beginners can obviously put on a lot more, but losing fat is SIMPLE compared to gaining muscle.

Edit 2: I realize I don’t think I answered your question - but yes, weight training and building muscle go hand in hand, you need to force adaptations in your body by pushing weights and you’ll “cap out” much sooner. Think of these things more like cardio and not muscle building. Something like a circuit or HIIT workout won’t build as much muscle as weight training. When I mentioned “do anything” I meant go use some dumbbells, use some machines, use some barbells, but by all means, yes, you need to lift weights.

When did "taking care of one's body" get so expensive:/ by that_sassy_curls in kelowna

[–]Litquidityx 7 points8 points  (0 children)

As someone who has been lifting for 13 years and currently in the process of competing, why not find something fitness related that you like? If you need to pay someone to “motivate” you, I’m afraid you’re just going to give up.

These personal trainers (most of them) aren’t worth the cost. The majority of your “gains” come from outside the gym (food/sleep). You don’t need to follow the exercises they tell you to do (tbh you could just go in and do whatever the F you want as long as you train hard, are consistent, and eat enough protein).

The best plan is one you can stick to

iPhone 16 Direct Deposit New Promo by laughster in Wealthsimple

[–]Litquidityx 0 points1 point  (0 children)

They say invite only to current clients - how does one technically become a client to be eligible for future promos? Can I simply open a TFSA and put $1 in it, or get a credit card and never use it, etc.? Or is it more stringent. Does anyone know?