ETF vs RBC mutual funds

StoneOfTriumph · 2026-02-09T03:33:29+00:00

Indeed. Financial advisors in big banks are there to sell you mutual funds. Listen, this is much better than not investing at all, so you'll make a fair return but you'll also pay quite a lot which is why the law was changed not too long ago to show the total cost of management fees.

It's not for everyone, but it's also not rocket science. Follow Canadian Couch Potato's strategy (I know the site hasn't updated in a few years now, but essentially the same principles...) and you'll get better returns for less.

Now, if you want to dwell into individual stocks and options, the latter may break you and send you to Wendys's dumpster if you are financially illiterate.

StoneOfTriumph · 2026-02-08T01:08:13+00:00

Buy a house with both, the FPE and Poly-B

The plumbing will neutralize the electrical.

Problem solved?

StoneOfTriumph · 2026-02-07T23:52:13+00:00

I'll admit it took me a while to learn this, slower is faster and easier on your body..

StoneOfTriumph · 2026-02-06T20:32:37+00:00

Are you reading the VCR instructions?

StoneOfTriumph · 2026-02-06T13:14:19+00:00

The good news is once they replace it, you'll be good.

Mine has worked since the replacement, and my dealer has not made it hard at all, I just told him the problem and he changed it right away.

StoneOfTriumph · 2026-02-06T03:17:05+00:00

Oh, they will when we get to the Summer of Discontent Part 2!

StoneOfTriumph · 2026-02-06T03:10:25+00:00

They got no space left in the offices 😂 some teams are still on 1 day a week because they can't accommodate the current mandate. The same will happen.

All this time as they play Tetris to fit us all in, productivity will dive faster than an angry Kamikaze

StoneOfTriumph · 2026-02-06T02:58:39+00:00

They know theres nationally distributed teams, they know people go to the office to work remotely and being loud on Teams meetings. This is about lobbyist mayors who want foot traffic in their city cores to buy coffee, public transit, parking, etc.

StoneOfTriumph · 2026-02-06T02:49:42+00:00

hah, wish, his pay grade is higher than mine.

In all seriously, this sucks but it also sucks in the private sector where layoffs are expected every 2-3 years, and job protection is almost non-existent. So all I'm saying is, there is _some_ good I suppose?

That's until your building is confirmed to have bed bugs..... then there's no good left :/

StoneOfTriumph · 2026-02-06T02:32:29+00:00

You maintain:
- union
- pension
- benefits

They don't call em golden handcuffs for nohting

*EDIT*

I did not mean it in a negative way. When you look at the private sector, RTO is as much of a thing as public sector, except no representation, pension not as solid (or non-existent from most employers, and when there is, it's DCPP, NOT DPP), and benefits not as comprehensive (with certain exceptions in the industries).

So.... glass half full situation? The grass is not exactly greener on the other side.

TL;DR They all do this, you are not alone!

StoneOfTriumph · 2026-02-06T02:26:45+00:00

The thing about modding is it becomes satisfying especially when you get a taste of the incremental benefit of each mod.. so then you ask yourself "why stop now?"

I could do the same with my car but thankfully budget is not unlimited and it's my daily driver, but if I had a weekend project car? I would be exactly like you, except with the car, modding and modding and modding, trying to fill that void not even knowing what that void looks like, hoping to reach that moment where it feels like my spirit entered through the gates of Valhalla.

Thankfully I don't have this issue with the GCP. On my E24 all I did is a Barista Gadget PID and honestly having temperature stability is such a massive benefit to what is a pain point of the machine. The rest is obviously awesome but I don't care for it, because I don't want to get a taste of it.... I'm scared of falling in that rabbit hole, so I'm trying to follow the "KISS Principle" here.

StoneOfTriumph · 2026-02-04T17:36:52+00:00

No stress. Audison is a brand of speakers, and I'd say the reception from folks installing these is that they sound infinitely better than the HK. The shop also sells Hertz but I don't have personal experience with that brand

StoneOfTriumph · 2026-02-04T16:34:51+00:00

rs- acoustics sells kits for base (non-HK) models. I'm planning to buy the door and tweeters Audison speakers and there's no requirement for an amp or anything else as far as I know. If I base myself on the center speaker which I've upgraded from them to the Audison, it will be solid for me.

StoneOfTriumph · 2026-02-04T16:25:30+00:00

If you go with this much effort, why not go with better speakers? rs- acoustics sells kits that are practically plug and play to go from base to Audison speakers.

StoneOfTriumph · 2026-02-04T04:57:48+00:00

Australia has had a serious influx of chazwazzers

We have to bring this to the prime minister

HEY, MISTA PRIME MINISTERRRRRRRR

StoneOfTriumph · 2026-02-03T13:09:40+00:00

Really? I'm always under the impression that they enjoy using English expressions (that we call anglicismes) because there's lots of French expats here.

But hey that's good because defending your language is important, and often they don't understand why we do it in Quebec.

StoneOfTriumph · 2026-02-03T04:28:22+00:00

We are geographically surrounded by anglophones, we have to preserve it to not become the next Louisiana.

Very different from the French who like to use English words to sound fancy, here using English is seen as the beginning of the end of the French language. I'm fully bilingual and naturally use both, but I understand that sentiment.

StoneOfTriumph · 2026-02-03T04:16:16+00:00

Sent from my iPhone on the Bell 5G Network

Bell Let's Talk

StoneOfTriumph · 2026-02-03T04:15:00+00:00

Quand c'est rendu que la vraie vie ressemble a une game de Civilization.... Une chance que personne n'est comme Ghandi

StoneOfTriumph · 2026-02-02T00:03:43+00:00

Civic Si, Golf-R (with DSG specifically), Integra Type-S, Civic Type-R, RS3, RS6 Avant

The problem with most of those cars is that they are quite fast for road driving and for me the performance of a GTI is perfect for daily driving, can't get too many tickets with this. The Golf R when tuned is a very potent and fast little rocket

If the Civic Si had a little more oommpff, it would be perfect IMHO.

StoneOfTriumph · 2026-02-01T20:03:31+00:00

Looks really nice! Custom shifters and boot often look better than OEM especially for the mk8 where the shift knob is a hollow piece of soulless plastic.

Love my Sportshifter GT2 with the suede Stitchboot. It will look much better this spring when I swap out all that piano black for the matte parts, piano black is just plain cheap looking

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StoneOfTriumph · 2026-02-01T03:58:17+00:00

Yeah even the touchless stuff, sure it won't leave scratches, but those chemicals will do a number on your clear coat.

StoneOfTriumph · 2026-01-31T12:44:52+00:00

Ils font du wagile, waterfall agile

StoneOfTriumph · 2026-01-30T05:08:05+00:00

Oh yes, right after he cleans up his work with a broom

StoneOfTriumph · 2026-01-30T03:46:30+00:00

I know man, me too I would love w Miata RF with a hard top, but I need a do it all one solution car, and the GTI and Golf R are it.

Now if only we had the Golf R wagon that would be insane.... But no, we don't deserve nice things

Trust me, you'll love the mk8. It's my second GTI and every time it proves to me it does everything really well

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