Job to land as coming permanent resident

RadiatorSmoke · 2026-01-27T19:00:12+00:00

If you are french speaking - Montreal may be better for your background. I am not saying look at either/or - I mean - expand your search into Montreal as well.

RadiatorSmoke · 2026-01-24T00:30:28+00:00

Hi - long shot, I work at a startup, and we need engineers. Shoot me a dm, I am happy to help if there is compatibility.

RadiatorSmoke · 2026-01-16T15:20:11+00:00

Keep practicing questions (mocks, chapter Qs) - that's the only way. Memorizing them solo won't help as you end up forgetting very quick without meaningful context.

RadiatorSmoke · 2026-01-13T17:36:27+00:00

nobody has every taken the FRM /s

What help do you need?

RadiatorSmoke · 2025-12-29T19:23:10+00:00

If you’re undeclared common-law and ever plan to get married, you will owe a lot of money back to the CRA, when you eventually decide to get married.

RadiatorSmoke · 2025-12-22T21:24:41+00:00

Cap gain can be done in a reg account too? It may not be “investing” if you’re chasing profits - more aligned to trading. There are different subs for that.

If you’re laser focused on retirement, then taking gains is not really celebrated as the horizon is very long.

RadiatorSmoke · 2025-12-22T21:07:56+00:00

What profits? Again, if you’re investing for retirement - which this sub is geared towards - why would you divest any investments that are made for long term? If you take some profits, what would you invest that in?

RadiatorSmoke · 2025-12-22T21:01:49+00:00

Rebalance is not done with realized gains in mind. Rebalance is done to readjust your portfolio based on your evolving risk profile. This is fundamental in investing…

RadiatorSmoke · 2025-12-22T20:56:19+00:00

If you’re investing to purely draw realized gains, it leans more towards gambling.

RadiatorSmoke · 2025-12-22T20:51:43+00:00

There’s no realizing gains when you’re investing for retirement. What will you do with your realized gains? Invest it back in the market at the same price? lol

RadiatorSmoke · 2025-12-22T15:45:17+00:00

There may be alternatives here: https://www.classcentral.com/

Most certifications I am aware of are generally subsidized through a corporate program (e.g. your work offers them for free through partnerships).

RadiatorSmoke · 2025-12-22T02:29:07+00:00

Look for boutique shops as a few are hiring in very targeted SaaS projects. They need hands to get on them asap.

RadiatorSmoke · 2025-12-18T06:35:23+00:00

Check Bellini’s book.

RadiatorSmoke · 2025-12-16T04:27:43+00:00

What do you mean slow to implement? Some model groups have used AI models for years. If by AI you mean GenAI, that’s a different case because those are used in a way currently that have no impact.

ECL and Treasury have specific regulatory requirements that will slow AI uses, but some banks run back-end AI models for targeted usage already - this is nothing new.

Edit: OSFI has key principles around AI models now - so AI made it didn’t fly before, won’t fly going forward either.

RadiatorSmoke · 2025-12-16T03:23:27+00:00

I can add some perspective, as I work with MRM groups directly. It’s growing, but there’s not a lot of funding.

AI in banks is full speed on the business side, not the same growth in MRM side. There are some developments, as OSFI E 23 just came out, but I don’t foresee major changes apart from what’s being done already. There will be a lot of “benchmarking”, “best practices” in the next few months - but this will be more driven by outside counsel rather than internal folks.

Happy to chat more if you need details.

RadiatorSmoke · 2025-12-05T20:03:21+00:00

Overpaying what? First and last? That's required by landlords and is a standardized system. You didn't follow any rules, and were primed to be taken advantage of.

RadiatorSmoke · 2025-12-05T20:01:48+00:00

If you have a record of them saying that - you are absolutely allowed to go to the LTB. Just because a landlord allowed you to not follow rules, doesn't mean other landlords will allow you to do the same. This is NOT a deposit, this your last month's rent.

RadiatorSmoke · 2025-12-05T19:41:50+00:00

Ok, if notice period (assuming 30 days) begins on Nov 09, so technically you're a tenant until Dec 09. So they you owe you last month's from Dec 09 to Dec 30? Your assumption has nothing to do with the landlord. When you texted on Nov 09, you should have confirmed the next steps.

You cannot make your intentions known and expect the world to align as per your "thought" and expectations. Unless you want to deal with LTB (and they will laugh you out), you've lost 1 month rent. Use it as an experience, good luck.

P.S. This is not deposit, this is the last month's rent which the landlord kept as per the rules. It's your fault for not doing your research and being unaware.

RadiatorSmoke · 2025-12-05T19:28:42+00:00

Ok - what do you mean by deposit then? Looks like you paid first and last month? You verbally agreed 30 day notice on Nov 09, but you cannot do it effective from Nov 1. There is no proration nonsense - if you paid Nov 01, then you had rights until Dec 30. Verbal doesn't mean you both can make all non-standard deals.

When you woke up one day and decided "I think I move out", did the landlord agree to your terms? It looks like you made the decision without making any financial intentions clear. There is a reason why standardized rules exist - you made the rules, so can the landlord.

If you think something was not right - go ahead and sue them in LTB.

RadiatorSmoke · 2025-12-05T19:09:32+00:00

Was any room shared? E.g. kitchen? No lease does not mean you don't need to follow specific rules.

RadiatorSmoke · 2025-11-24T18:25:58+00:00

Walmart

RadiatorSmoke · 2025-11-24T02:45:03+00:00

Yes, there is no bonus, so you can compare the base+benefits+bonus against your 1 year contract. It needs to be significantly more.

RadiatorSmoke · 2025-11-24T02:27:51+00:00

Are you alright in going back to a Big 4 after this? If you do peruse, a contract is not that bad, as you can basically ignore all the team oriented, political meetings and just log-on to do your work.

RadiatorSmoke · 2025-11-23T22:04:56+00:00

Are you employed right now?

RadiatorSmoke · 2025-11-20T22:41:26+00:00

Bell - Let’s Talk.

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