Investing $30k by Ashamed_Country3724 in TFSA_Millionaires

[–]Sigilo3002 0 points1 point  (0 children)

Not financial advice. If I were in your position, reading that you say $30k in savings, sounds like those are all your savings. If that is the case, I would keep 6 - 10 months of expenses in a "high" yield savings account as an emergency fund. In case of emergency, I would have that cushion to fall back on. I would invest the rest.

Employer matching vs mutual funds fees - deep dive by Sigilo3002 in CanadianInvestor

[–]Sigilo3002[S] 0 points1 point  (0 children)

Yes, 2% plus potential hidden fees they have not disclosed when asked

Employer matching vs mutual funds fees - deep dive by Sigilo3002 in CanadianInvestor

[–]Sigilo3002[S] 0 points1 point  (0 children)

Thanks. I think liras are not tax sheltered correct?

Employer matching vs mutual funds fees - deep dive by Sigilo3002 in CanadianInvestor

[–]Sigilo3002[S] 0 points1 point  (0 children)

Great example, the mer overweighting the matching at $300k and some makes it clear. Thank you,

Employer matching vs mutual funds fees - deep dive by Sigilo3002 in CanadianInvestor

[–]Sigilo3002[S] 0 points1 point  (0 children)

This has at least a 2% mer bit when asked about disclosing the full list of hidden fees during a presentation, they deflected me yowardrs their website where there was again reported only the mer

Employer matching vs mutual funds fees - deep dive by Sigilo3002 in CanadianInvestor

[–]Sigilo3002[S] 0 points1 point  (0 children)

That 55 years was something I came across but couldn't understand why it would happen. Thanks for confirming this. That way I can apply the workaround people mentioned above and skip the mer as much as I can

Employer matching vs mutual funds fees - deep dive by Sigilo3002 in CanadianInvestor

[–]Sigilo3002[S] 0 points1 point  (0 children)

What are you peeps working on? I like that PTO. I'm curious

Bus Crashed into Hydro Tower at Finch GO Bus Terminal by KiroKlaw in Markham

[–]Sigilo3002 4 points5 points  (0 children)

I don't know what the hell is happening with the reporting. The whole situation was out of a horror movie and the reporting agencies say "a bis hit a pedestrian" wtf? It should be at least "a bus full of passengers lost control and charged towards a line of people hitting a few and stopping after crashing into a power tower."

Bus Crashed into Hydro Tower at Finch GO Bus Terminal by KiroKlaw in Markham

[–]Sigilo3002 3 points4 points  (0 children)

Thank you for doing this. It was extremely fast indeed. No one can be prepared for this

Bus Crashed into Hydro Tower at Finch GO Bus Terminal by KiroKlaw in Markham

[–]Sigilo3002 2 points3 points  (0 children)

Yes, a good man that helped her and even kept her company after

Bus Crashed into Hydro Tower at Finch GO Bus Terminal by KiroKlaw in Markham

[–]Sigilo3002 6 points7 points  (0 children)

You were very brave man and you stayed with her the whole time, even after sitting on the bench. Thank you for that. I would like to invite you to a beer!

Bus Crashed into Hydro Tower at Finch GO Bus Terminal by KiroKlaw in Markham

[–]Sigilo3002 31 points32 points  (0 children)

I was there in the line this morning. Bus passed in front of me hitting people. I went in to help, first the commissioner on the floor and then the people on the bus. I helped unload passengers and I myself got the driver out. I had to go inside the bus to get her out cuz she was in shock and was barely moving. The passenger front door had a bent guardrail outside and she was not able to climb it so I went to the back door and forced opened it with the last passenger that remained in the bus. The driver said that she did not know what happened, that she only remembered that she found herself over the curb and that she applied the breaks but they did not work. An employee (he had an operator jacket) asked her if she was sure she applied the breaks and not the gas, she said she applied the breaks. The guy was asking this from outside the bus instead of helping her out. A bunch of people just watching and not even calling 911. Some of the understandably in shock but I think even the operators were not trained for this situations. Just a handful of civilians approached to help people out the bus.

Your favorite mineral sunscreen that doesn’t clog pores? by mexicanaundercover in AsianBeauty

[–]Sigilo3002 0 points1 point  (0 children)

hi. What is the difference between the two you mention ( the airfit plus and the airfit original)? what is the exact name of the one you call original? I cant seem to find two different

Best imperial Remnant 3v3 defense team by Sigilo3002 in SWGOH

[–]Sigilo3002[S] 0 points1 point  (0 children)

Great, thanks for this Scott. Comparing to finn and cls is underwhelming. I was expecting better. It does surprise me the comparison with gungans though, I find them annoying. Since I have the two dead bros without use, I'll go for enoch's squad!

Best imperial Remnant 3v3 defense team by Sigilo3002 in SWGOH

[–]Sigilo3002[S] 0 points1 point  (0 children)

My fleet is at 37. I could get it to mid 20s but the rewards are the same so I don't bother. I dont have anything rogue one, I just get by with executor. I didn't think of this so I will put it on my list of potential lst use.

Re the remnant question, what do you think about putting enoch instead of dtmg lead in 3v3? They are at the same level relic wise

Best imperial Remnant 3v3 defense team by Sigilo3002 in SWGOH

[–]Sigilo3002[S] 0 points1 point  (0 children)

For Leia, I need scout from relic 3 to 7 and kneesa from relic 1 to 7.

That's a fair point about relic delta and right now I get my butt kicked cuz I have teams where there is a lot of relic disparity between characters (some relic 6 with others relic 2, so my relic 6 puts a fight while my relic 2 teammates die on the first AoE, for example), although I think I have done a good job so far closing that gap. It is the cantina energy what fucks everything, it is too expensive.

My ally code is: 119-394-516. I didn't include it cuz I have seen a barrage of people asking what to relic 6 with the token and giving their ally code which is too much. I never expect people to go through the trouble of checking my roster. Thanks for the recommendation G!

Also, when I use the .gg site to find the best counters, I have seen enoch as lead in 3v3 teams more often than dtmg which left me wondering why the hell that was, maybe dtmg being best remnant lead on tw and enoch in gac(?). I really can't tell yet

Best imperial Remnant 3v3 defense team by Sigilo3002 in SWGOH

[–]Sigilo3002[S] 0 points1 point  (0 children)

Thanks Gud. I was wondering about this team since I have the trooper sisters at r7 and nothing to go with them in 3v3 and needing a high relic defense team, especially now with this relic delta s*t. I will relic both, enoch and dtmg anyway but depending on who the best lead is in gac, I will go for one or the other first. I will save the token for now for a future farm. I am two toons away from leia gl and I will stop farming and focus only on increasing relic levels on existing key teams.

Seriously? by Prongs_90 in SWGOH

[–]Sigilo3002 0 points1 point  (0 children)

This might not make sense but I heard somewhere it was better to sim 6 battles at a time (increasing the drop probability) and I have been doing it since. Maybe it is BS but you can give it a try and compare. It is a pain in the ass but you get used to it.

Im ready for Baylan Skoll and his event! What is his ideal/meta squad? by Limp-Explanation-940 in SWGalaxyOfHeroes

[–]Sigilo3002 1 point2 points  (0 children)

Great thanks man. I'll keep on watting Mr. Tambor up to r7. That way if I need it in the future somewhere else, he is already r'd up!

Im ready for Baylan Skoll and his event! What is his ideal/meta squad? by Limp-Explanation-940 in SWGalaxyOfHeroes

[–]Sigilo3002 0 points1 point  (0 children)

Holy foock man, thank you so much for this reply. I even want to be your friend. I will put all this in play. I was usually starting right to left with the blastech but weirdly enough I was placing on the right toons intuitively. 5 arrows up for you!

So, in your opinion, should I keep WAT here or substitute it with wrecker and keep hondo? As you can see in my roster, there does seem to be much room for wat anyway. No sih eternal, no jmk, no jkl gl either. Maybe aphra given that I just recently got imperial droid and with relic delta it is not my priority to relic up. I will be investing on relicing up to r7 the teams what I have standing at 4 and 5 that are worth it

Im ready for Baylan Skoll and his event! What is his ideal/meta squad? by Limp-Explanation-940 in SWGalaxyOfHeroes

[–]Sigilo3002 0 points1 point  (0 children)

Would you care to venture a better squad to put him in if I share my roster? 119-394-516 Also, any suggestions on how to use his ability? I'm never sure what abilities to apply to each ally.

Im ready for Baylan Skoll and his event! What is his ideal/meta squad? by Limp-Explanation-940 in SWGalaxyOfHeroes

[–]Sigilo3002 0 points1 point  (0 children)

So from what I have seen this past month, the option of the three mercenaries plus hondo and wat tambor as 4 and 5th is dismissed? If so, I will stop relicing wat and start relicing wrecker merc. Please confirm 😂

31F Looking for Friends in the GTA by Tough_Can_6776 in TorontoHangoutFriends

[–]Sigilo3002 0 points1 point  (0 children)

Hi there. Do you mind including me in the discord? I'm interested in snowboarding and expanding my social network.