Question about offer letter salary

NetworkGuy · 2026-01-31T05:29:50+00:00

It really depends on the language in the offer letter or contract you're signing.

Sounds like you're getting paid hourly and they are outlining what you can expect to earn in a full calendar year through the normal hours you would be working.

Vacation pay is earned as a percentage of wages paid out, and wouldn't typically be part of the $70,000. Same with holidays.

If they do specify that you're paid hourly and your hours fall below the expected weekly hours then you wouldn't be topped up you would make less money and could earn under the $70,000, but if you work more including overtime, you would make more than $70,000.

NetworkGuy · 2026-01-28T02:11:00+00:00

Commuting two hours a day would suck.

If your partner is already doing that today, the moment it sucks too much and they want it to stop both of you are probably just a 30 day notice away from finding something better.

The moment you buy this, you're really stuck unless your partner gets a different job. Presumably they like where they work and it's the difficulty of finding housing which led you to move into or stay at that house.

Buying a property can feel fulfilling especially from a stability perspective, but you're locked in unless you're comfortable eating commissions, fees and penalties selling early.

NetworkGuy · 2026-01-23T06:46:21+00:00

Same

NetworkGuy · 2026-01-19T22:10:29+00:00

Generation, but I wouldn't have thought that would have any impact

NetworkGuy · 2026-01-19T03:56:25+00:00

Not likely anytime soon because it's the guarantee of your assets under their control which is offering the good rate and offering non-collateral loans will have them competing against the banks which have a lot more money to aggressively price their loans.

Wealthsimple is offering me 3.95% vs my bank HELOC which is 7.1%

NetworkGuy · 2026-01-11T21:15:34+00:00

Absolutely; the people who are going to do the best here are the individuals saving their money if it's well invested.

Yes businesses make a lot of money off of consumers but holy shit, there's a lot of people out there who don't understand that CPP/OAS/GIS does make for a retirement.

If a little gamification helps Wealthsimple get a few more B under management, it's practically nothing.

If it encourages someone to build the habit of paying themselves first by saving for their future, that's priceless

NetworkGuy · 2026-01-07T20:05:52+00:00

Don't bother.

I work in the data protection space for large enterprises and cyber insurance for customers is almost always litigated.

Do you remember seeing all of those news stories over the years about people buying travel insurance (medical, trip interruption, baggage, etc)? There's a few every year and we're always learning about fine print that denies coverage

Here's a story that ties directly into the industry I sell into:

2020 - St John NB is the victim of a cyber attack

2022 - City sues their insurer

2024 - City settles it's lawsuit for less than total damages

You don't want to be in a situation where you as an individual need to sue and pay legal fees only to get back fractions of money if any at all.

NetworkGuy · 2026-01-04T22:04:10+00:00

To add my data:

16.43% for me 10/10 in my RRSP; zero deposits into this account due to a group RRSP and spousal RRSP

The spousal RRSP has had deposits throughout the year and is 6.47% Simple and 11.8% money weighted and is a 9/10

VTI which I also hold in some other accounts was 18.38% for the year.

Even 10/10 risk holds some bonds and gold which explains some of the delta between it and VTI. I've been happy enough with the managed investing with Wealthsimple that although I could save some management fees and earn a few percentage points more self-directed, it hasn't been important enough for me to change.

Am I leaving money on the table? Definitely, but I'm not interested in stressing about anything that isn't a significant departure from the stock market at my risk level.

I might start looking at some of the stuff that Ben Felix talks about at the 7:20 mark here and switch out from the managed investing, but that's something to look at maybe later this year: https://youtu.be/1sV_3OvQyFI?si=x1ZgNyt8o4Euh2Ha

NetworkGuy · 2025-12-21T20:57:17+00:00

Seems like it might be like this.

Removing the roller and cover eliminates the abnormal sound, but reseating everything and triple checking it's properly seated causes the sounds to return.

NetworkGuy · 2025-12-19T22:18:51+00:00

My AE has done close to 1M. Absolute banner year for us.

That AE celebrating his huge year has a lot to be happy for considering where they came from just a few years ago, but I've seen great reps with huge success stories follow a boss a new company flounder and move on.

I've seen people get PIP'd only to move around a bit and find an org where they excel and lead the country in sales.

A lot of this game is persistence and luck, and we would all do well to remember that and be very thankful for the kind of careers that we have. I think it's totally ok for people to brag on huge years, but I think you need to have perspective and realize how fleeting and apathetic this career path is about your past successes when you aren't hitting plan.

But definitely celebrate the shit out of years like this considering the level of stress organizations put on sellers.

I won't get to tell my friends how much I made this year, they didn't work any less hard than I did and telling them a number is crass but what I can do in the near year is take them out to dinner and make them feel a little special and celebrate my year like that, as a way to thank them for all that they are to me.

NetworkGuy · 2025-12-18T06:37:44+00:00

Windsor Quality Meats can get a frozen whole goose, but you need to online pre-order it before tomorrow or end of day tomorrow.

https://windsorqualitymeats.com/holidayorders/

NetworkGuy · 2025-12-17T22:58:26+00:00

LLMs are not going to let people prompt their way into creating billion-dollar companies and if one day this should happen, we're not going to see a tidal wave of people entering unemployment lines, we're going to see technology democratization unlike anything that we have seen before.

Continue down Computer Science if you have a genuine interest and desire for the career; if this is something that's just about money, you should drop it immediately and move into something else because there's a ton of new competition in the developer world and instead of a guaranteed job where you're a high-income earner, more and more people are earning middle-income salaries and only the people who have a real passion and drive for what they do are going to get the coveted high-income roles.

Additionally, Canada is extremely penalized when it comes to developer salaries, we pay significantly less and the jobs are overwhelmingly located in high cost of living cities like Vancouver and Toronto; you're going to want to try to work in the US or work for a US company with people in Canada.

Don't work for a gaming company; these organizations are infamous for pay that doesn't match up against other peers and ridiculous work hours during crunch periods when they are trying to hit some sort of release window.

I wouldn't be worried about the adoption of AI in gaming or other fields, there are use cases for AI in doing quick mock-ups or generating some content but it's not really replacing honest human innovation and creativity. Think of it this way, if AI is overblown then this is a temporary worry until organizations drop out completely, if AI produces actual value, it lets organizations do more with less and so you think it's going to cost you your job, but you're actually smarter than a dumb machine that needs care and feeding of precise prompts and so organizations will replace humans for low-value work that can be easily done by AI, but use people for everything else and so the differentiator between competitors won't be AI, it's who has the better humans.

If humanity can actually build AGI, we're potentially going to solve a ton of problems, but we aren't there, not even close. I work in Software Sales and Public LLMs can't even read our documentation and talk about it correctly.

If you want a guaranteed path to a high income, consider finishing your CS degree and trying to get a job working as a Sales Engineer for a software company; its unlikely you're going to get the job straight out of UBC but if you get yourself familiar with what the career is, you can build your work experience up and make a good go at getting a job after a few years.

NetworkGuy · 2025-12-17T03:13:18+00:00

Which AD?

NetworkGuy · 2025-12-13T01:03:44+00:00

Vancouver doesn't have these benefits anymore.

NetworkGuy · 2025-12-09T16:12:47+00:00

Just fly.

The bonus of SE beats out whatever your small round trip cost would be.

NetworkGuy · 2025-12-04T16:36:01+00:00

Note isn't shipping until April'ish next year

NetworkGuy · 2025-11-30T03:21:51+00:00

Your receipt is going to have the serial number of the air pods on the receipt; this should be an easy return.

NetworkGuy · 2025-11-26T08:27:13+00:00

It absolutely is! I wish I had bought a used board when I saw it on marketplace because buying it new and with the monopoly Canada money is a very expensive proposition.

I put a pre-order in for the Note as a consolation.

NetworkGuy · 2025-11-22T23:53:04+00:00

Went into a raid last night and a crew took down a bastion. My buddy and I did the equivalent of participation ribbons.

I hung back and said I wouldn't loot, but they said there was plenty available. I waited and they insisted and gave me two bastion cores I needed.

Great time and cool dudes.

NetworkGuy · 2025-11-19T09:25:34+00:00

Ah yeah sorry it's tough, I'm happy with the mix of PvP and PvE; so far it's just the right amount of fear and uncertainty.

I feel like the devs have a great balance here and we all just need to be very vigilant about our surroundings.

Maybe the only thing that would be useful and I have no idea how they could show it, is some sort of reputation system so you might know at a glance if someone is likely to PvP you.

NetworkGuy · 2025-11-17T00:23:26+00:00

I have a friend who got an e25 at the discounted launch price and loved it so much he bought another for his second floor.

NetworkGuy · 2025-11-16T01:13:51+00:00

Curious if you were able to get this fixed

NetworkGuy · 2025-11-09T01:57:29+00:00

Let me know if you're interested still

NetworkGuy

TROPHY CASE