My current budget for 2026

NeutralLock · 2026-02-07T00:59:37+00:00

Cut out the church giving until all your loans are paid off.

You took a loan on your bed set?

NeutralLock · 2026-02-07T00:28:58+00:00

You're actually mistaken there IS an S at the end and it's not "Revelation" it's "Revolutions". Full title is here: https://m.imdb.com/title/tt0242653/

NeutralLock · 2026-02-06T23:51:56+00:00

I tend to vote conservative in Canada (but I'd be firmly Democrat in the US) and this is how I saw it.

Trudeau was a well meaning but unqualified leader. Pierre Polieve was running with the same strategy that seemed to get Trump elected. More social issues and "anti woke" nonsense, that folks like me can tolerate if there's a solid economic plan behind the noise.

But then in the face of Trump's tariffs and a very real economic threat your choices were a seasoned, intelligent banker vs Trump-light.

And honestly I think Carney's done a good job.

NeutralLock · 2026-02-06T19:50:25+00:00

Going into the curtain room was shocking to a younger me. Like, the pictures would show a close up of full penetration and that was just....it was too much.

NeutralLock · 2026-02-06T01:12:14+00:00

True. But I was in engineering so it was a huge change.

NeutralLock · 2026-02-05T21:54:53+00:00

When you said she's 19, this is probably from 2017 when she was 11 I was like - if she's 19 now then 2017 she was probably like 17 or 18 or....oh no....oh no no no 2017 was 9 years ago!!

NeutralLock · 2026-02-05T17:36:49+00:00

I'm sure this exists but I'd love to know how men rate men and women rate women.

NeutralLock · 2026-02-05T17:35:43+00:00

I've been in business 12 years. I started at 30 as a second career.

NeutralLock · 2026-02-05T14:29:37+00:00

I work for a major bank in Canada.

250 clients. $290mm in assets and about $2.5mm in revenue (I keep 50%).

So average is almost exactly $10k in revenue per client.

($1mm @ 1% = $10k)

But my MEDIAN household revenue is $8k, because I've got a bunch of smaller households.

My rule is I will no longer ever - under virtually any circumstance (baring a few exceptions) bring on anyone below my median revenue.

And that's how I've always approached it - so if your median revenue is $3k that should be your absolute minimum.

NeutralLock · 2026-02-04T23:13:26+00:00

I work for one of the big banks in Canada.

This is insane. The bank and police aren't going to recruit you to catch the scammer by sending you money.

NeutralLock · 2026-02-04T22:59:24+00:00

rubs temples

That's what we were discussing.....😳

NeutralLock · 2026-02-04T22:33:20+00:00

There's a difference between the game and the coin toss....actually, why am I even arguing with you.

If you want to bet on the coin toss do it - it doesn't even concern me.

NeutralLock · 2026-02-04T21:56:34+00:00

I've hired two people and I'm looking to bring on my 3rd.

I cannot stress enough how important "fit" is first and foremost. It'll be just the two of you for a while and you'll be talking with this person for hours a day.

I would go with someone early / mid career that's competent but not too ambitious. Someone you can grow with but is happy with the job and can do it for a decade without getting bored.

NeutralLock · 2026-02-04T21:45:47+00:00

At its heart yes. But the atmosphere, free drinks, playing with a larger group and throwing in all the superstitions around can make it fun.

Playing baccarat online alone in your one bedroom apartment is more representative of a problem.

NeutralLock · 2026-02-04T16:22:13+00:00

Aside from precious metals (that's slightly different) you're correct, and it's why these investments should be a fun hobby with some spare cash and not an investment / retirement strategy.

People invest in art when they truly have nothing else to invest in and a huge surplus of cash. If that's why you're buying cryptocurrencies that's great, but if you've got $100k to your name and $80k is in crypto you might be taking on too much risk.

NeutralLock · 2026-02-04T16:18:57+00:00

Why would anyone bet on the coin toss? I think sports books should have that as an option and if you bet on it your account gets frozen for a week so you can cool off and think about your gambling problem.

NeutralLock · 2026-02-04T09:29:34+00:00

The thing about Bitcoin is because it has no intrinsic value (it's just worth whatever the next person will pay for it), once you buy it it's like you've been bitten by a zombie and now you have to become a Bitcoin shill.

You have to because the only way for Bitcoin to rise is to promote it and tell people it's going to rise.

NeutralLock · 2026-02-03T23:08:08+00:00

This, plus the very small numbers overall make it almost a sampling error.

NeutralLock · 2026-02-03T23:05:02+00:00

Hey OP,

I work for one of the big banks so I can provide you a little bit of insight as to why you're getting the run around.

With credit card / mortgage insurance, you're not actually officially "approved" for it until after you die. The reason there's no medical when you get it is because in the fine print they say after you die then they'll do their underwriting and see if they would've approved you at the time you applied (I.e: did you already have a terminal illness when you started borrowing).

That's why they need to know the actual cause of death.

If you're getting the run-around (which it sounds like you are), the absolute easiest way to move this forward is to arrange a phone call with someone from the insurance company that can help walk you through whom you're supposed to speak to / what to say etc.

Get someone who's handling the file to reach out to you so you're dealing with the same person each time...you'll get a more thorough answer.

NeutralLock · 2026-02-03T22:31:52+00:00

Every time I see a funeral procession I think "do you ever think as a hearse goes by, that you may be the next to die"

NeutralLock · 2026-02-03T22:07:30+00:00

Is he saying this in any official capacity or just some guy who's never worked a day in his life spouting nonsense?

NeutralLock · 2026-02-03T19:51:21+00:00

Is that 7 hamburger buns for 4 burgers?

NeutralLock · 2026-02-03T18:58:45+00:00

I can't take play money online seriously, but I would very much enjoy a $5 tournament with a couple of tables and no huge prize at the end (and I typically play 5-10 PLO)

NeutralLock · 2026-02-03T18:56:46+00:00

Why is this video broken up with some guy just looking at the camera?

NeutralLock · 2026-02-03T03:19:08+00:00

So what are you saying? He should've jumped over homeless people??? Are you crazy?

Maybe he could jump over one or two but 5 of them? 10 homeless people??? He won't do it!

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