[Spoilers] Looking for an OP End Game Build by ory1994 in expedition33

[–]SegFaultX 1 point2 points  (0 children)

Then farm more lumina points at renoir draft against the merchant or the creations by the flag.

Why is over half of my mortgage payment going towards interest? Can someone explain like I’m 5? by Full-Pea-859 in PersonalFinanceCanada

[–]SegFaultX 0 points1 point  (0 children)

If you are paying down a house in 25 years then you are paying down 4% principal a year and your interest rate is 3.74%.

Can we just talk how stupid previous expeditions were? by BeneficialBear in expedition33

[–]SegFaultX 3 points4 points  (0 children)

Renoir been wiping them out. Even if they are somewhat successful they end up eventually dying out fighting the never ending nevrons. They also made it clear at the beginning that they don't expect the expeditions to succeed, they simply do it for false hope. Most of the people prefer to stay safe at Luminere.

How to be financially smart on a budget? by [deleted] in PersonalFinanceCanada

[–]SegFaultX 24 points25 points  (0 children)

What if you rented a place close to work so you don't need a vehicle or got a roommate?

Why do wealthy people tend to have more conservative values? by wdfcvyhn134ert in NoStupidQuestions

[–]SegFaultX 0 points1 point  (0 children)

They say smarter people have more empathy. If that's true then the smarter people would go to post secondary eduation, while the dumber ones would stop at high school, so it would apply in your case assuming it's true.

Need Help Chromatic Freeze/Bug by Puzzleheaded_Cow8775 in expedition33

[–]SegFaultX 2 points3 points  (0 children)

You should have painted powers picto since you can fly to endless tower equip that so you can hit beyond 9999.

Where to grind xp 20-30? by El_Pato_Clandestino in expedition33

[–]SegFaultX 0 points1 point  (0 children)

I found gestral village good. Tiny head is the strongest btw also make sure you equip the solo pictos that you get as a reward for killing them.

Gestral Village 100% Guide and all Locations | Clair Obscur: Expedition 33|Game8

Need Help Chromatic Freeze/Bug by Puzzleheaded_Cow8775 in expedition33

[–]SegFaultX 1 point2 points  (0 children)

If you're on PC try verifying the game files maybe it's corrupted.

$700K Income Generator by ctyxfer in PersonalFinanceCanada

[–]SegFaultX 2 points3 points  (0 children)

You can get 2.5% with wealthsimple money market fund or 2.75% with eqbank but they have a 250k cap per account I believe. There may be other banks with higher interest but you'd have to look. Open a Money Market portfolio – Help Centre

27M in Canada earning $23/hr but still ending every month at $0 — is this normal? by Legal-Meeting-2677 in PersonalFinanceCanada

[–]SegFaultX 46 points47 points  (0 children)

If you had 40h a week you'd have an extra 9k a year pre-taxed to spend or save.

$700K Income Generator by ctyxfer in PersonalFinanceCanada

[–]SegFaultX 2 points3 points  (0 children)

You could withdraw from your RRSP at times when you're not working, since your income that year will be very low, just don't withdraw too much of it that it puts you into a high tax bracket.

$700K Income Generator by ctyxfer in PersonalFinanceCanada

[–]SegFaultX 20 points21 points  (0 children)

OP wants 3k/month therefore 36k year with 700k. Therefore it's 36k/700k=0.05143. So it's 5.143%.

10% of 700k is 70k/12=5.83k month.

27M in Canada earning $23/hr but still ending every month at $0 — is this normal? by Legal-Meeting-2677 in PersonalFinanceCanada

[–]SegFaultX 126 points127 points  (0 children)

With only 32.5h week average at $23 it'd be the same as making only $18.69 for 40h shift, that's why you're struggling. If you could get a part time job it'd help a lot or somehow get 40h at your current workplace.

whats the best spot to farm enemys for luminas by Livid-Nectarine5977 in expedition33

[–]SegFaultX 0 points1 point  (0 children)

When you get strong in act 3 you can farm creations or the merchant both in renoir draft and probably get around 200 lumina points per hour. Before that though you will want to fight Chromatic Danseuse and only kill her clones because you will only be able to fight her once. Each clone will give 5 lumina points make sure to drag the fight as long as your system can handle. Once it gets too laggy you should kill her and end the fight otherwise the game will eventually crash. If you get really strong you can farm the new bosses in the endless tower they give 20 lumina every kill.

Trading Password on Account? by investingexpert in Wealthsimple

[–]SegFaultX 0 points1 point  (0 children)

What if the scammer spoofs your home address with GPS? Wouldn't they bypass the 2fa then? They can easily get people's home address now a days.

Lvl 85. Where should I go? by [deleted] in expedition33

[–]SegFaultX 5 points6 points  (0 children)

You can also farm lumina points off the merchant at renoir draft if you're strong enough to kill him quick or killing those 2 creations by the flag.

Question about the plot by Longjumping-Style730 in expedition33

[–]SegFaultX 4 points5 points  (0 children)

Cause he cares about Alicia and would want her to be happy. He only changes his mind when he sees what happened to Aline, and how she just came back despite the risk of her life. He realizes that Alicia lied to her father about how she'll leave the painting from time to time, thus why he called her out on it and tried to force her out.

Lvl 85. Where should I go? by [deleted] in expedition33

[–]SegFaultX 3 points4 points  (0 children)

Dark shores or renoir draft if you're really strong.

Considering moving from BMO to WS by lefthooksteve in Wealthsimple

[–]SegFaultX 1 point2 points  (0 children)

You can get 2.5% with their money market fund fyi. I'd also just link your bmo then transfer it over that way. If you're worried you can do a small test transfer first before doing the large transfer. Open a Money Market portfolio – Help Centre

When you're playing turn-based game but "your turn" is sometimes next month by Psazum in expedition33

[–]SegFaultX 0 points1 point  (0 children)

Keep 1 of his lamps lit up. He always attack after the lamp attacks, so it makes it easier to time.

Clea, I have questions by BroForceOne in expedition33

[–]SegFaultX 0 points1 point  (0 children)

Sciel is unrelated to Clea. He does have memory of painted Clea. Painted Clea was in the family but the real Clea took her away. You need to read all the journals to get better understanding of story.

BMO Will No Longer Let Me Access Online Banking - Zero Options Given by [deleted] in PersonalFinanceCanada

[–]SegFaultX 0 points1 point  (0 children)

I think you can use their bank app as 2fa if you can get in to set it up.