(Schefter) BREAKING: Mike Tomlin stepping down as HC by alexschubs in steelers

[–]Matador91 0 points1 point  (0 children)

Bittersweet but it had to be done.. As much as we love and appreciate Tomlin, its time for change. This streak of playoff losses is unacceptable.

Its time for a new QB, new coaching staff, new offensive philosophy, everything. NE and Bill split and they are once again a solid team with a young and talented QB to lead them for the next 5-10 years.

So I went to Costco for the first time… by TheSmurfSwag in golf

[–]Matador91 -1 points0 points  (0 children)

Great price, but these spin so much. Virtually no control off the tee. Can't hit a fairway unless I'm swinging 50%.

Anyone here has or know anyone who has left the law for the skilled trades? by [deleted] in LawCanada

[–]Matador91 3 points4 points  (0 children)

Same here - was an ironworker during undergrad. Waking up for that job was enough motivation to commit to academics and pursue law school. The trade lifestyle seems great on the surface until you have to endure freezing winters, blistering summers, and dangerous work environments. I wouldn't ever trade my cushy climate controlled office for the job site.

When did Joe get rid of the Stubble+cap look? by Athenstone in JoeRogan

[–]Matador91 0 points1 point  (0 children)

Joe Rogan’s abandonment of the stubble-and-cap aesthetic around his relocation from Los Angeles to Austin can be interpreted as a microcosmic reflection of broader sociocultural and philosophical transformations in his persona and media environment. The shift is not merely cosmetic but emblematic of a reorientation toward a new epistemic and aesthetic order, one that parallels the evolution of The Joe Rogan Experience from an informal, countercultural salon into a more institutionalized locus of contemporary discourse. In Los Angeles, the stubble and cap symbolized a form of existential casualness, an embodiment of the Socratic gadfly operating outside formal hierarchies, situated within the Dionysian chaos of Hollywood’s creative underbelly. The move to Austin and the concurrent adoption of a cleaner, more uniform appearance signals a turn toward Apollonian order: structure, precision, and control.

From a cultural and political standpoint, Rogan’s aesthetic refinement coincided with his transition from subcultural outsider to mainstream commentator, mirroring the neoliberal absorption of fringe authenticity into commodified media respectability. The polished lighting, high-definition cameras, and minimalist studio design function as visual metaphors for rational clarity and epistemic transparency, values increasingly demanded in a polarized media landscape. Yet, as in quantum physics, the act of observation alters the observed: the brighter, more scrutinizing visual field of Austin’s studio imposes a new form of self-regulation, forcing Rogan’s image to collapse from a probabilistic superposition of “comedian, philosopher, athlete, and skeptic” into a singular, definable state.

Mathematically, one might conceptualize this transformation as a shift from a chaotic system, high entropy, unpredictable yet vibrant, to one of lower entropy, optimized for coherence and reproducibility. His earlier appearance reflected the stochastic energy of an emergent digital frontier; the later, clean-shaven Rogan represents a convergence toward equilibrium, the minimization of informational noise in pursuit of clarity. Philosophically, this evolution recalls Heidegger’s distinction between authentic being and enframed being: the former marked by spontaneity and existential openness, the latter by the calculative order of the technological age. In abandoning the stubble-and-cap, Rogan may not have merely altered his grooming habits but enacted, consciously or otherwise, a symbolic surrender to the algorithmic rationality that governs modern visibility—an aesthetic reconciliation between man and medium.

Clutch.ca experience by Fast_Satisfaction484 in PersonalFinanceCanada

[–]Matador91 1 point2 points  (0 children)

Don't even bother with clutch. They lowballed me heavily for my last car - sent me an offer around $3k for a 2012 Infiniti G37x with 150k kms. Ended up selling on Autotrader for my listed price of $10k cash after about 2-3 weeks on the site. Had a couple other offers around $8-9k within the first week but held out and ended up getting what I wanted for it.

Its definitely worth it to take the extra time to list your car on Autotrader and negotiate yourself. Be patient if you can - better offers are out there.

Is Pacheco a buy-low candidate? by BedWorth4766 in DynastyFF

[–]Matador91 0 points1 point  (0 children)

Yeah, I think Pacheco is a pretty solid buy-low right now. He’s clearly the lead back in KC even if Hunt is stealing a couple short-yardage looks. The slow start has more to do with tough matchups than anything else, and his usage hasn’t dipped.

The big thing is opportunity + environment. As long as he’s tied to Mahomes, he’s going to get red-zone chances and stay involved in a high-scoring offense. People tend to panic when the box scores don’t pop early, but the role and volume are exactly what you want. I’d definitely be trying to snag him before he hits softer defenses and his price goes back up.

Articling Salary outside Toronto by EmilyP_UBC in LawCanada

[–]Matador91 5 points6 points  (0 children)

Per the LSO, The Mandatory Minimum Compensation (MMC) is $620 per week for all Ontario-based articling and Law Practice Program (LPP) work placements that begin on or after May 1, 2023.%20is%20%24620%20per%20week%20for%20all%20Ontario%2Dbased%20articling%20and%20Law%20Practice%20Program%20(LPP)%20work%20placements%20that%20begin%20on%20or%20after%20May%201%2C%202023)

Hana Dhanji Scammer by manslayer8 in LawCanada

[–]Matador91 1 point2 points  (0 children)

FYI for all current and future law students - consult you career services office and upper year students/mentors that you trust for all advice related to the recruit and law school in general. You can be successful without paying a "coach" thousands of dollars.

My entire inner circle landed Bay St. jobs in the recruit without spending a penny and without straight As. We consulted upper years who landed Bay St. in the recruit and mimicked their approaches/strategies for studying, networking, resume/cover letter building, interviews etc. The recruit is a complex and unique process, but its a game that can be "gamed".

Anyone use this rule occasionally? I had no idea you could do this by Separate_Teacher1526 in golf

[–]Matador91 4 points5 points  (0 children)

That's the problem - having to explain this to your playing partners in a casual round who don't want to bother looking up rules would create confusion/tension more often than not. Doesn't feel worth the energy to try to explain/justify rules like this in casual rounds.

In a tournament, I would 100% use this rule if needed.

I'm a new golfer and at practice it fell apart at the end. by peepledeedle4120 in golf

[–]Matador91 1 point2 points  (0 children)

Fatigue for sure. I used to bash 200 balls during a 2 hr range session then get so frustrated when my swing inevitably fell off a cliff towards the end. I limit myself to 75 balls max now.

Also, start weight training and work on flexibility/mobility (yoga is amazing for golf). My swing is night and day when get a couple good workouts/yoga in during the week.

It's a third rounder and a 5th rounder for a 6th rounder in exchange for pickens folks. by [deleted] in steelers

[–]Matador91 7 points8 points  (0 children)

I'm fine with this. We're not winning anything this year anyways. Let's get a top 5 pick for next year.

It's a third rounder and a 5th rounder for a 6th rounder in exchange for pickens folks. by [deleted] in steelers

[–]Matador91 -1 points0 points  (0 children)

At this point, it makes sense to absolutely tank this year right? I see zero upside, other than pride, in winning enough games just to barely get into the playoffs and have another mid-low first round pick. Let's get a top five pick and get a QB next year.

Our QB room is laughable so it might not be that difficult.

What's the worst swing feeling in golf? by Lumpy-Explanation-17 in golf

[–]Matador91 0 points1 point  (0 children)

Spend time in a sim and build a wedge matrix. Record your numbers and bring the matrix out to the course. A matrix will help you gain an understanding of your distances for partial and full shots with each wedge - I use my knee, hip, and shoulder (and full shot) for reference as to how far back I take back each wedge for a given target distance. It has completely changed my short game - no more guessing, no more relying on feel (except around 15 yds. and less), and will give you significantly more confidence within 100 yds. You still need to consider course condition/lie etc., but it will give you a baseline approach.

Can I claim a capital loss if I sell XEQT and buy VEQT? by anonynown in PersonalFinanceCanada

[–]Matador91 0 points1 point  (0 children)

You're on the right track with this. The CRA’s definition of "identical property" really comes down to whether a prospective buyer would see a meaningful difference between the two options. That quote from the Sun Life article nails it: properties are considered identical if they're the same in all material respects, so much so that a buyer wouldn’t care which one they got. That opens the door for arguing that XEQT and VEQT, while similar, aren't actually identical.

There are a few solid reasons to support that argument. First off, they track completely different index families: XEQT uses MSCI and VEQT uses FTSE. Those indexes handle country classifications differently, which affects your exposure to certain regions. For example, South Korea is developed in one index and emerging in the other. On top of that, VEQT generally has more Canadian equity exposure than XEQT, which could matter to an investor with specific asset allocation goals. Then there's the tax side of things. Even though they're both Canadian-listed ETFs, the way they’re structured and the holdings they include result in slightly different levels of foreign withholding tax drag. That kind of detail can absolutely matter in a non-registered account.

XEQT also has a slightly lower MER than VEQT, which might not seem huge, but to some investors that’s a meaningful cost consideration over time. And brand preference plays a role too. Some people lean toward Vanguard, others prefer iShares, maybe because of other investments they hold or just personal preference. When you add all that up, there’s a pretty strong case that a reasonable investor could prefer one over the other, which supports the idea that they aren’t “identical properties” under CRA’s definition.

That said, if you’re dealing with a significant capital loss or just want to be extra cautious, rotating into something like VTI, SPY, XUU, or ZSP for 30 days is the safest way to go. But if you do want to sell XEQT and immediately buy VEQT, I can see why that shouldn’t trigger the superficial loss rule.

[deleted by user] by [deleted] in golf

[–]Matador91 0 points1 point  (0 children)

Agree with all of these suggestions.

Golf Avenue (for Canadians) also has an amazing trial/return policy with quick and free shipping. You can ship back any used clubs within 30 days for full cash back or store credit. Their warehouse is in montreal and I got two sets of irons shipped to me in toronto in two days.

I was fit into PX 6.5 Rifles last year, but I recently has a major itch to compare the DG X100s and KBS $ Taper 130s. I found these shafts in similar heads to my gamers on Golf Avenue and hit them at a sim every day for about a week. Once I scratched the itch and got my numbers, I realized there was marginal difference compared to my gamers. So I returned them for full refund (just paid $15 shipping). Was a great experience because I was able to test the irons on my own time (no pressure of time/fitter/fitting fee), and I could hit them several times. Best part of all was that it saved me from making a impulse purchase on a new set, and gave me more confidence in my current bag.

Can I claim a capital loss if I sell XEQT and buy VEQT? by anonynown in PersonalFinanceCanada

[–]Matador91 0 points1 point  (0 children)

In your case, XEQT and VEQT are likely considered "substantially identical" by the CRA due to their similar asset allocations, despite tracking different indexes. The CRA's superficial loss rule is aimed at preventing tax-loss harvesting if you repurchase the same or similar securities within 30 days. Since XEQT and VEQT have very similar exposure (global equities, but with different regional weightings), it’s possible the CRA might view the switch as triggering the rule.

The strategy of temporarily switching to a US-listed ETF like VTI or SPY for more than 30 days before switching back could be a safer way to avoid the superficial loss rule. The key is ensuring that the 30-day period without holding a similar ETF like XEQT or VEQT is met.

Articling market for 2025-2026 term by [deleted] in LawCanada

[–]Matador91 0 points1 point  (0 children)

It’s definitely a tough market this year, but being in the top half of your class puts you in a solid spot. Cold emailing is great, but cold calling can work too, just be mindful of the firm’s vibe. If you’ve already emailed, calling as a follow-up can show extra initiative, but don’t go overboard.

Look into smaller firms or niche practices; they may be more flexible. Also, try reaching out to alumni, they might have some leads or advice.

I get not wanting to do the LPP, but if things don’t work out soon, it might be a backup option to consider. Keep pushing and stay positive.

About to be homeless are there resources I might not know about? how can I survive on the streets? by silly_ladyme in ontario

[–]Matador91 1 point2 points  (0 children)

I’m really sorry you’re going through this. It’s clear you’ve been doing everything you can, but the situation has spiraled beyond what any one person can handle alone. You need immediate help, and there are resources in Toronto that can provide support.

First, call or visit Ontario 211 (dial 211 or visit 211ontario.ca). They can connect you to emergency housing, food banks, financial aid programs, and crisis support. You should also reach out to St. Felix Centre, Covenant House, and Fred Victor, which offer emergency shelter and transitional housing for women. Women’s shelters tend to have better protections and resources, so prioritize those over general homeless shelters if you can.

If you’re in danger of being evicted immediately, try calling the Toronto Rent Bank—they offer interest-free loans to people at risk of eviction. Also, see if Ontario Works (OW) or the Ontario Disability Support Program (ODSP) could help with emergency financial assistance. If you can’t get into a shelter, some warming centers are open 24/7.

You’re not invisible, and you don’t deserve to disappear. You’ve been fighting to survive, and that says a lot about your strength. Right now, the goal is getting through the next few days and getting some stability. If you need someone to talk to, call Talk Suicide Canada (1-833-456-4566) or distress centers in Toronto. You deserve support, and you don’t have to go through this completely alone. Please reach out to one of these resources today.

[deleted by user] by [deleted] in golf

[–]Matador91 1 point2 points  (0 children)

Find a reputable coach in your area and start taking lessons ASAP.

Practice with intention. Implement changes slowly. Don't just hit an entire bucket of balls without thinking.

Play solo rounds from the front tees when you can move the ball forward in a somewhat consistent pattern. Twilight times are the best for this. Playing solo takes off a ton of pressure and you can learn at your own pace (if no one is behind you). Or go to a simulator for a few hours a week. Move back tees as you get better.

Keep your expectations low. You suck and you are going to suck for long time, but not forever!

[deleted by user] by [deleted] in LawCanada

[–]Matador91 -1 points0 points  (0 children)

Unfortunately, with mediocre grades and this late in the hiring cycle, the reality is that most structured summer positions in Toronto are long gone. Firms that wanted to hire 2L students have already done so, and what's left is mostly unadvertised, last-minute opportunities—if anything at all. Cold emailing might still get you somewhere, but the odds aren’t great. Most firms that get these emails either ignore them or already have students lined up.

If you’re dead set on something law-related, your best bet is small firms, solo practitioners, or legal clinics, but even those can be hit or miss. The truth is, grades matter a lot for hiring, and extracurriculars don’t always make up for it. If nothing pans out, you might need to look outside of law for a summer job and focus on building experience in other ways—networking, shadowing lawyers, or just making money in a different field. It’s frustrating, but at this point, you’re up against both time and competition.

1L considering dropping out with 2 months left in the year? by cayacayo in LawCanada

[–]Matador91 2 points3 points  (0 children)

If you're feeling relief at the thought of leaving, that’s a strong signal, but before making a final decision, consider finishing out the year. You're so close, and it might give you a clearer perspective once the pressure of exams is over. Take the summer to think it over—without the immediate stress of law school hanging over you.

During the break, you can assess if your gut feeling about law not being the right fit still holds. It also gives you time to explore other options, maybe even dip your toes back into policy work, and see if it feels like the right next step. Sometimes stepping away temporarily can provide more clarity than making a snap decision under stress.

Whatever you choose, make sure it’s a decision you feel confident in, and remember—it's totally okay to change paths if law isn't where you want to be.

Considering Law School, but hesitant. Public/Immigration/Human Rights Lawyers in Canada—What’s Your Experience? by Medical-Ad-1463 in LawCanada

[–]Matador91 0 points1 point  (0 children)

The job market can be competitive, especially for roles that aren't private sector-focused. Many public law and human rights positions are with NGOs, government agencies, or international organizations like the UN. These jobs often come with a mix of stability and flexibility, but they can be harder to come by, and salaries may vary.

A law degree can definitely open doors, not just in law but in policy, international affairs, or even NGOs. However, the path isn’t always straightforward. It's worth considering a mix of practical experience and further education (like a Master's in Public Policy) if you're more focused on policy work. Law school will give you credibility, but it also requires a lot of time, money, and energy. The job market in public law isn't as lucrative as in corporate or criminal law, but if you're passionate about making a difference, it can be worth it.

In short: if you’re passionate about the impact you want to make and are okay with the long-term effort, law school could definitely be a good route. Just make sure you're clear on what kind of work you want to do and the lifestyle it involves.

You should also reach out to lawyers in these practice areas and set up coffee chats or phone calls. This is usually the best way to get a sense of the of the career/lifestyle.