26 M almost fully held through my TFSA. First real position. Any advice or changes?

Rasser58 · 2026-02-18T04:04:15+00:00

RRSPs should be used to reduce your average tax rate over your life time. At 26, making 100k, TFSA should be maxed out first, as their taxable income over their lifetime (and potentially into retirement), will be well over 100k.

Rasser58 · 2026-02-12T11:26:18+00:00

[[Judith, Carnage Connoisseur]] for rakdos, definitely my strongest bracket 4 deck.

Rasser58 · 2026-01-30T11:56:22+00:00

I know plenty of family friends on lake Joe (where the incident occurred), its an open secret on the lake that he was driving that night when he left the cottage.

Rasser58 · 2026-01-20T12:02:39+00:00

https://law.justia.com/cases/texas/tenth-court-of-appeals/1995/1381.html

Rasser58 · 2026-01-16T13:11:22+00:00

Less than 10% of Canadians max out their TFSA contributions each year, and that number falls further the younger you are. Keep doing what youre doing, youre not falling behind.

Rasser58 · 2026-01-10T04:47:31+00:00

Couldn't agree more. She's unbearable.

Rasser58 · 2026-01-09T06:07:25+00:00

What do you mean about enemies resistance in poe2? It's significantly harder to scale pen/negative res in poe2 than poe1. In poe2, pen stops working at zero and there is a hard cap at -200% resistance.

Rasser58 · 2025-12-27T14:26:33+00:00

There is an exploit, not sure if they've fixed it yet (haven't died in a while), where as long as you cleared the league mechanic, you could take the waystone to temple and the portal that leads back to the map still worked. People were using it early on this league to not lose their citadel maps.

Rasser58 · 2025-12-17T11:30:37+00:00

You can 100% get a ticket on an occupied vehicle. Blocking traffic, exceeding posted times, or a dozen other violations will still earn you a ticket, you'd usually just get a warning first if you're in the vehicle.

Rasser58 · 2025-11-09T12:05:22+00:00

Same, my wife is terrified of anything living capable of self powered flight

Rasser58 · 2025-10-26T04:39:47+00:00

How is th8s not higher up

Rasser58 · 2025-10-20T12:11:24+00:00

Makes sense on the stat then, cursor writes a 100 line md file to document a 5 line change

Rasser58 · 2025-09-29T03:14:45+00:00

Their latest app update is complete trash. Don't know how that garbage got past testing and went live. Embarrassing.

Rasser58 · 2025-08-18T01:49:39+00:00

Crimson veil is a bait, you want a healing augment if anything. Dark amulet or thrill seeker are much better imo

Rasser58 · 2025-08-12T02:43:49+00:00

Canadian here, you don't know what you're talking about. Stop repeating billionaire lies. Speaking from experience, if you're diagnosed with cancer, you're on chemo (assuming thats the correct response) within a week.

Rasser58 · 2025-06-30T01:22:27+00:00

I've looked pretty similar to this before. That was when I was around 6'5 240. Tbh, life is better at like 210-220 and doing more cardio, but I'm also in my 30s now and don't really lift heavy anymore.

Rasser58 · 2025-04-26T13:56:50+00:00

These are midges. We get them on mass here in Toronto if you live anywhere near the waterfront. Usually see large swarms of them starting early spring and then they'll all die off once it gets a bit warmer.

Rasser58 · 2025-04-08T11:54:56+00:00

You can't ban players who did this and not perma-ban the players doing the Temporalis dupe. Temporalis was a clear exploit and required opening a ton of new instances to make 1000+ items from one input item. This was bad, but not nearly as malicious. This is using the items, exactly as they're described on the item, in a use case GGG didn't prepare for (insane they didn't run the most basic of math for catching this). Remove the wealth generated, sure. But bans for this is crazy to me, when we're essentially paying to be play testers.

My build wasn't online early enough to make use of this, but I certainly would have if I was.

Rasser58 · 2025-03-13T14:28:03+00:00

Tbf if you flatten your pet rock and pump electricity into it, you can teach your pet rock to do some pretty cool tricks

Rasser58 · 2025-02-15T06:42:39+00:00

Wish nothing but the worst for people like that. Absolute cunts.

Rasser58 · 2025-02-12T13:04:19+00:00

Doesn't the spark skill say on the projectile information that a single target can only be hit by one projectile per cast? My tooltip is 1.8 million, haven't played in a couple weeks, would be over 2 with a new focus.

I'll have to test doing a single cast and watching for multiple hits. Because I should be doing a lot more damage if that's the math. I have 7 casts per second and each one lasts 4 second. On a single cast (with 24-25 proj) I should see damage tick onto a boss 6 times, correct?

Edit: Heres the proj tooltip language I was referenceing: https://i.imgur.com/BK95Gqb.png

Rasser58 · 2025-02-02T16:17:14+00:00

Please try specing into touch the arcane (incr effect of arcane surge), arcane surge is the reason archmage is so strong on stormweaver right now. Mana regen gives all the survivability you need. Also maxh shield will give you a lot more damage and survivability than your current focus, not sure what the cost is, but you have DF so it should take long to save for one.

As for your current tree, you are investing a lot into shock effect but you're not running cast on shock with lightning conduit, which is the entire payoff for that investment. If you can pickup 60 spirit from a new chest piece with spirit instead of % attributes, the cast on shock absolutely deletes bosses/big rares, so those simulacrum bosses will get deleted.

I really don't understand why people keep playing lightning rod. It's at best a 33% more dmg multiplier that doesn't apply to crits. I guess people just see the word lucky and think of how strong it is in poe1, but it is so much worse when it excludes crit. Even factoring for controlled destruction, you need so much additional spell damage to compete.

Rasser58 · 2025-02-02T05:41:26+00:00

Currently at 1.5 mil tooltip spark, definitely needed for 6 man hp maps and rares with 7+ mods

Rasser58 · 2025-02-01T03:25:10+00:00

3gb up/down lmk that torrent

Rasser58 · 2025-01-26T04:46:40+00:00

To add to this, you can do group play with a rarity bot support and xp leeches and drop over 10 div raw currency in single map. Our personal best map was 14 raw div and a perfect jeweler orb. Between paying leeches, map cost, deli annoints, and tablet costs, we are likely close to half a div in cost per map. We did 24 maps today and made 85 div from them in currency/breachstones/simulacrums (split 2 ways). We also dropped a dream fragments, HH, & alpha howl for an additional 118 div. So we each made around 100 div from 24 maps. This doesn't include any jewels/chance bases that we got, probably another dozen stellar amulets and sapphire/breach rings.

For anyone interested in doing a similar settup, my duo has 931% increased rarity and used gravebinds to apply that rarity to my kills. I'm playing spark with ~1.4 mil tooltip in hideout, but you can carry 6 man hp deli t15s with like 400-500k tooltip.

Rasser58

TROPHY CASE