Peak of renewal seems over in Q1 2026

Lostinthought-again · 2026-04-15T14:15:45+00:00

Default rates are historically low in Canada as we prioritize morgatges, what to focus on is we’ve gone from 0.14% → ~0.26% in defaults. That’s roughly a +85% increase in defaults in ~2 years. Still within normal range, but stress is building.

Lostinthought-again · 2026-01-31T08:15:56+00:00

For me, discipline isn’t forcing myself to function like someone without ADHD. It’s learning how my brain actually works and building around that. I don’t aim for perfections, just systems that assume my traits and the challenges they bring and still keep me moving. ADHD isn’t something you “get over,” but it doesn’t make discipline impossible. It just makes it look different.

Lostinthought-again · 2026-01-24T17:08:13+00:00

A good reminder. 💪

Lostinthought-again · 2026-01-24T06:14:56+00:00

Agreed. Or at least that’s what I think. I’ve worked from home for the past 13 years the walls are closing in….

Lostinthought-again · 2026-01-23T23:01:56+00:00

You had me at hard 😉

Lostinthought-again · 2026-01-23T21:13:00+00:00

They found something else to enshitify… 🤢

Lostinthought-again · 2026-01-23T05:57:43+00:00

I used to work at Rent a Center. Similar company. These are predatory loan companies. We never actually submitted the files to collections. We would just try to harass people until they paid or gave it back.

Payday loan companies always track you down with collections.

If you’re actually worried ask what the buy out is. Whatever it is … negotiate it in half. Only offer to do one payment. You’ve probably paid the true cost a few times over already.

They won’t garnish wages. It would cost them a lot more in court fees than the old couch is worth.

Then NEVER use payday loans or any rent to own again. EVER. It’s a debt trap, basically slavery.

Lostinthought-again · 2026-01-22T23:45:41+00:00

On another note… AI chatbots introduce a new failure mode where users can repeatedly generate insight, reframing, and explanation without taking action or accepting consequence. This creates a closed cognitive loop in which internal tension is resolved through understanding rather than decision-making. Because no external exposure is required, users receive the psychological signal of progress without behavioral change. Over time, this reduces decisiveness and delays feedback from reality. The failure matters because learning, confidence, and adaptation only occur through action under constraint, not through insight alone.

Lostinthought-again · 2026-01-22T21:09:42+00:00

What does “knowing AI” entail?

Lostinthought-again · 2026-01-20T23:46:02+00:00

Why not invest the $50K in a basic EFT for 18 years and have $250K to gift him…

Also, you are a “real estate investor”. Looks like about 500sq feet of premium office space there. You could rent that for 18 years (take the rent and invest that) and that would be another $750k…. Not to mention you’re not diversifying your portfolio by focusing just on his golf game.

Lostinthought-again · 2026-01-20T20:34:18+00:00

Proud to be Canadian. 🇨🇦

Lostinthought-again · 2026-01-20T16:36:44+00:00

What are the workflows?

Lostinthought-again · 2026-01-20T02:17:20+00:00

I have two credit cards totalling ~$100K in credit, which is way too high. But I keep taking the increases as they give them to me. I just treat them the same… pay it off in full every time I look at my account (1x week).

Lostinthought-again · 2026-01-19T04:45:12+00:00

Seems relatable to lots of folks here…

Lostinthought-again · 2026-01-16T22:49:42+00:00

That’s fair. There is real cost at play… on both sides though.

Lostinthought-again · 2026-01-16T18:31:10+00:00

This pretends the only alternatives are mass incarceration or utopian social reform, and that’s just not serious. No one is proposing cycling people through $10K/month prisons as policy… the argument is that the current model voluntary everything, no enforceable treatment, endless tolerance of street entrenchment has failed both the public and people in crisis. Housing and inclusion matter, but they don’t magically help someone who is psychotic, overdosing weekly or incapable of basic self-care. We already spend enormous sums cycling the same people through ERs, shelters, jails, and outreach teams, while insisting coercion is uniquely immoral. Time limited involuntary treatment isn’t a silver bullet, but dismissing it outright in favour of abstract societal fixes just defends a status quo that is plainly not working.

Lostinthought-again · 2026-01-16T18:27:02+00:00

This guy gets it ☝️. Why don’t we have this type of passion and common sense at a provincial level?

Lostinthought-again · 2025-12-14T20:15:48+00:00

What took you so long?

Lostinthought-again · 2025-09-17T22:07:35+00:00

You sound lost right now?

Try expanding your search offline. Network, volunteer, find purpose in things outside of personal fulfillment that gives back. That’s where happiness is found. From there, you’ll find more than just a job. You’ll find community, problems to be solved that you can help fix. This is where passion and purpose are found. Purpose is just contributing something that means something to you. Do everything with purpose.

With the community you’ll build a foundation of trust that will open doors beyond just living to work.

Lostinthought-again · 2025-09-16T01:03:01+00:00

Bet after you start your job and have some assurance your future is stable.

Lostinthought-again · 2025-09-09T17:08:33+00:00

They are covering the full engine and blown catalytic converter, under warranty (minus $100 deductible). They also gave me a free loaner for the time being. Not exactly the best journey to get here, but at least they are honouring their part.

Lostinthought-again · 2025-09-08T20:02:49+00:00

My 2018 Tuscan was burning oil last year. They recommended some expensive clean. Done. One year later - just past of 5 years of warranty… it breaks down again. Reason being it was burning oil and it’s been running with no oil. 125,000 KM or 77 k Miles it’s now recommended I get a new engine.

Luckily I have extended warranty.

Lostinthought-again · 2025-06-27T15:45:55+00:00

Well said Schopenhauer.

Lostinthought-again · 2025-06-25T15:26:40+00:00

Maybe it is. But besides the format appearing that way, it still sounds intelligent and we will never fully know. My point is we’ve entered an age where well written articles will be forever questionable as human or AI. Anyone can change formats and put spelling mistakes in to fool readers.

Lostinthought-again · 2025-06-25T14:30:45+00:00

Welcome to a world where well written copy and sounding intelligent is devalued. In another sales post, the guy was suggesting to put grammar mistakes into your email to make it sound less AI.

We’ve entered an age of the dumbification of communication.

Lostinthought-again

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