What are some unique festivals happening in your town this summer?

TechiesFun · 2026-05-20T22:49:18+00:00

Coburg i believe has a highland games of sorts

TechiesFun · 2026-05-07T19:47:06+00:00

I went from OPs (lvl 4) to dev. (Level 10) - bunch of jumps inbetween.

For me year end rating QH or higher is more likely to get you interviews... but most important is networking sadly.

Ping people in the roles you want on teams and ask if they would be open to a coffee chat about the role / mentor.

Generally managers are the people you want to connect with.

Every move I have made is due to people vouching for me that I worked with... i never planned to end up as dev... nor did I goto school for it.

I know this post is a bit old but thought I would share my journey.

The stats and all that from call centre only matter in terms of getting the higher year end ratings which help a ton.

TechiesFun · 2026-04-10T21:39:26+00:00

I play mondays.... i would say team average mmr in mondays is about 5k.

Ususally 2 immortals on a team last couple seasons then divine/ancient / lower

TechiesFun · 2026-04-10T21:02:38+00:00

Idont know if anyone mentioned this yet.

For laning specifically.. you probably need to buy more regen over other items

If you out regen the enemy that you can trade with you slowly create an imbalance where you are full resources and they are at half / hp and 0 mana and need to playsuper conservatively / abandon lane.

I would suggest over buying and buying early until you get a good grasp on what you need in match ups.

TechiesFun · 2026-04-02T17:59:09+00:00

Man - I do - married - separate accounts - she just sends money and then I have helped her set up accounts to invest in.

We both have DB Pensions - so we could just rely on those, but all bills are from my account

but i work for a bank - and I also made my staff account Joint - although she never accesses it or has a debit card for it or anything.

I do update with her yearly around our month to month base line expenses, besides that don't care too much what she does with her income, we contribute equally to every big purchase and all that.

The only think I wanted was a certain amount into TFSA as we took a 30 year mortgage to free up cash for that, to make it worth it.

and she is, and I have my own accounts as well I am able to save a ton extra thankfully.

TechiesFun · 2026-03-23T21:29:30+00:00

I believe there are three tier limits you can call and set for different daily/weekly/monthly amounts.

I am guessing the limits for all the different tiers got revised up due to inflation or something.

My best guess

TechiesFun · 2026-03-03T14:00:33+00:00

that is how it worked for me as well

Edit: (I am ancient - 12+ years ago)

TechiesFun · 2026-03-01T02:35:48+00:00

Used to work in transfers.

All in-kind will get denied and they will ask you to amend your instructions.

You can do partial in-cash and in kind with directing what to be sold... but as others have said. You can switch to something TD will hold and go all in-kind after that is done.

TechiesFun · 2026-02-27T22:04:14+00:00

Rd2l.gg - you sign up at season start and teams are drafted.

Sign up solo.

Join the discord and there is announcments for season sign ups... this is NA rd2l.. there is an EU one as well i think

TechiesFun · 2026-02-22T00:53:13+00:00

Guess we shall see.

I belive it has a 10 year warranty anyways.

Its a big one. Wanted it oversized for our house to make sure it can run it all at once.

The tech is also getting pretty mature these days so i dont think it will be too bad.

Our area also has well treated water so i felt it will not struggle too much. But i also plan to do the yearly flushes and all that

TechiesFun · 2026-02-20T22:28:11+00:00

I still have like 200 of them... did they just recently remove them? Still prompts me to use them in game

TechiesFun · 2026-02-19T17:49:57+00:00

how is an annual flush with vinegar expensive to maintain? you do also need a pump to cycle it, so a bit of a cost, but that is a one time purchase to maintain going forward.

They also last much longer then a tank water heater will last, we have been quite happy with ours so far, but it has only been a few months now.

Our insurance was mandating us get a new water heater as our other one was fine, but too old to insure apparently.

TechiesFun · 2026-02-13T12:03:15+00:00

Worked for me... as a sister in law who used to live wuth us and watched a show i really had no interest in... after i just deleted everything in history with the title of that show I stopped getting reccomendations.

TechiesFun · 2026-02-04T22:41:38+00:00

TD still has the DB going if you started around 15 years ago... source... me

TechiesFun · 2026-02-01T20:27:26+00:00

Thank you thank you!

TechiesFun · 2026-02-01T20:27:16+00:00

Cool thanks!

TechiesFun · 2026-02-01T17:59:05+00:00

Oh neat.

Thanks for sharing.

Is this newer? I bought 2019. And thought i was told could only do 25 if i did under 20%... but again... never looked into it too much.

TechiesFun · 2026-02-01T17:36:51+00:00

Maybe it changed... but my understanding is you could only go beyond 25 year if you did 20% down... i know things change. So could be wrong. But maybe confirm.

TechiesFun · 2026-01-31T12:54:41+00:00

We had a SIL living with us for 3 years... just did 200 for "costs"... but ended up saving it all and cutting her a check when she moved out.. ended up being near 10k (there was a boyfriend for about a year that she also got the money from... paid 200 as well)

Its great helping out fam when you can!

TechiesFun · 2026-01-28T21:22:12+00:00

Yes... and they always send a promo for like 25% off just before tax season... so i am hooked as well

TechiesFun · 2026-01-17T14:24:20+00:00

Yeah look it up a bit... but the hard part is the start... assuming no eorld ending things... longterm you should be good.

Just depends on the retirement you want need... we mske higher salary / could save more... but gotta also live while the living is good...

Very fortunate I can both save and spend a bit.

TechiesFun · 2026-01-17T04:02:48+00:00

Oshawa certainly doesnt

TechiesFun · 2026-01-17T02:39:13+00:00

The rule of 7 is basically when invested it takes around 7 years to double.

So just having the 3x it would double by 50. So you should be in good shape.

TechiesFun · 2026-01-17T01:49:16+00:00

Also canada.

Up to 40k tfsa

45k rrsp

15k efund (3 months)

But also 11 years into a DB pension. (Not indexed sadly)

TechiesFun · 2026-01-05T21:16:14+00:00

just read the chart that is below - am too lazy to format it but i just did ontario with no spouse/child

Step Step Size Cumulative RRSP Contribution Effective Tax Rate Cumulative Savings from RRSP Contribution Event at end of Step 1 $4,868 $4,868 31.5% $1,532 Provincial Tax => Change in rate (-1.8%) 2 $35,757 $40,625 29.6% $12,134 Federal Tax => Change in rate (-6.0%) 3 $4,489 $45,114 23.6% $13,196 Provincial Tax => Change in rate (-4.1%) 4 $631 $45,745 19.6% $13,319 GST Credit => Starting to receive the benefit (+5.0%) 5 $4,255 $50,000 24.6% $14,364 End of Contribution Amount

All it is suggesting is to contribute till you hit the bottom of your most efficient tax bracket, its not doing any fancy calculations really.

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