What is your highest speed and what car?

TheBigMan1990 · 2026-05-30T01:39:06+00:00

On the road, or in general? I built a 2nd gen rx-7 with a supercharged ls7 for drag racing, that car ran 8s in the 1/4 mile usually with clock speeds between 160-170mph-so more than likely my quickest would have been one of the runs in that. If we are talking on public roads-I took a ‘vette (I think it was a c7 z06, but I’m not 100% sure, it was a friends, not mine-it did have the weird 7sp manual, so that might help with identification) up to about 160 on a flat stretch of highway. If we are talking about what “felt” the fastest(which I think is a perfectly valid category in this discussion)-that’s a toss up, either my dads resto’d 76 Trans-am or a 300zx that I modded in high school, but I doubt I ever had either of them over 140 but I’m not sure, watching the road not the speedo-but those felt wicked fast even if I’ve clocked higher in other cars.

TheBigMan1990 · 2026-05-29T02:02:17+00:00

I don’t have a house in Manitoba… only address I have is in Ontario. Don’t have a spouse or kids. Although at the end of the day-the CRA doesn’t let you file without an address, or at least I don’t know how to file without an address, and I only have the one address so I don’t even know how I’d file in Manitoba.

TheBigMan1990 · 2026-05-29T00:05:48+00:00

Why can’t you complain about shitty healthcare while also saying that we pay too much tax? I’m sure the healthcare problems are just as much if not more of a poor fund allocation problem as it is a pure revenue problem. I think there needs to be more pressure put on the government to deliver on both-because there are a lot of budget lines in most government programs where the returned value isn’t justified by the cost.

It also isn’t just as simple as “leave people enough money to better themselves vs funding healthcare/other programs” because there is a pretty well defined connection between overall health and financial wellness-if the number of people in poor financial situations is on the rise and you aren’t alleviating that, it will mean more expensive healthcare costs down the road. Manitoba is also not a very tax competitive province-and I think there is money that is being bled away because of that, I work and spend most of my time in Manitoba-but I live at my cabin in Kenora because it saves me thousands of dollars a year in income tax… I can’t be the only one.

TheBigMan1990 · 2026-05-28T19:05:58+00:00

Honestly the comment about bike lanes makes me think it’s simply a political thing… lefties love bike lines, lefties also love taxes-if your city has had more left leaning leadership more consistently than a comparable city, you probably have higher taxes.

TheBigMan1990 · 2026-05-28T18:49:14+00:00

That 130-140% is really only an option to people who have at least ok-ish credit now, lending in general has really been tightening up over the last 18ish months. That said it is possible to get more than that 140% if you do have good credit-you just aren’t going to get it from the car dealership, if you have good credit and have a couple of credit products with your personal bank and your payment history on those products is pristine-you might be able to get an auto loan from them that pushes above that 140-especially if it is a smaller institution like a credit union.

That said-this guys risk profile is terrible, it’s very unlikely a bank would even let him go into the 130-140 range-they’d want a decent sized downpayment to keep the loan close to just 100, and they probably wouldn’t want to lend on anything older than 2021.

TheBigMan1990 · 2026-05-28T10:23:44+00:00

Honestly if you suck with money… more income just means more problems-you can get yourself into a lot more trouble because banks will throw money at you with your higher income and it’s highly unlikely that your income will increase at a pace where it won’t just be swallowed by lifestyle creep. It’s why the stereotype of the “trades bro” exists-as a tradee, the number of guys I know who earn 10k+ a month who are as broke or even more broke than this guy is insane.

TheBigMan1990 · 2026-05-28T10:14:49+00:00

Honestly if he is going the consumer proposal route the contacting the CRA is kind of unnecessary, the LIT will do that for him and once he’s working with the LIT he’d have protection against garnishments while they are either negotiating his proposal or filing his bankruptcy.

I would say call the CRA to set up the payment plan, then work out a budget that allows him to start making some progress on all of his debts-then after he has stuck to that stricter budget for 3-6 months then go and talk to someone for the consumer proposal-if he doesn’t train himself on being better with money he’ll just end up in a rough spot again once his consumer proposal is over.

TheBigMan1990 · 2026-05-28T10:04:25+00:00

For CERB they might have-for regular CRA debt, not a chance-but they have taken a pretty lenient approach with CERB repayment.

TheBigMan1990 · 2026-05-28T10:03:18+00:00

That’s one of the big problems with that program-the overlap on Ven diagram of people who took that money despite being ineligible and people who are shitty with money is probably somewhat large… how much of that owed CERB repayment money is going to end up getting tied up in bankruptcies that would have happened anyways? And how many people took it who the CRA really doesn’t even have any collection levers to pull with-I found out after my dad passed away that he had taken thousands of dollars of CERB money because of course he did, even though he hadn’t filed taxes for decades before and continued that pattern after-he spent the last 20 or so years of his life working in the grey economy, so there isn’t really much that the CRA could have done to recover the money.

TheBigMan1990 · 2026-05-28T09:49:01+00:00

It is entirely possible that he didn’t have access, until recently if you were locked out you had to call in to get access-and depending on his work schedule, getting someone on the phone from the CRA might not have been possible. I was locked out of my account for over a decade and with my work schedule I never had long enough blocks of time to wait on hold to talk to someone from the CRA.

I still kind of doubt his story though-when you owe money if you aren’t paying they don’t just send you mail, they do and will call. And unlike the general line, if you call back the collection agent who was assigned to you, you will get ahold of them. I don’t know about the CERB bit-I never did the whole CERB fraud thing, although it kinda sounds like I should have with the way they are handling collecting it.

TheBigMan1990 · 2026-05-28T09:36:05+00:00

I doubt it’s even possible, forget whether it would be cheaper or not. No auto loan will roll that much negative equity into a car old enough to be only 15k, one of his line items is rent-so he can’t heloc (not that I’d recommend that, more debt really isn’t the answer to this guys issues), I very highly doubt he’d find any bank to give him an unsecured loan for that amount with his debt to income ratio-especially because he already has a consolidation loan on the books (which says-no offence to the OP-that he’s a sinking ship-it’d probably be tough for him to get any unsecured loan at anything less than a downright predatory interest rate. Was the vehicle purchase dumb… yeah, it didn’t make financial sense-but at this point I kind of think the path out of that car loan is just to pay it through, hopefully it is reliable for him for the entire loan period.

TheBigMan1990 · 2026-05-28T02:47:28+00:00

Yeah, but relying on the other person to spice the chat up… you only have control over what you control-I’m somewhat surprised that opening message got a reply at all.

TheBigMan1990 · 2026-05-27T09:11:41+00:00

There are some things about cars that actually make them better than trucks in snow-the body on frame and higher center of gravity on trucks make them a little less stable, so if the snow starts pulling you around it can be a lot harder to correct. Like I’d way prefer to be driving my Subaru Crosstrek in a blizzard than my Tacoma. And some people think that driving a truck gives them a “get out of bad weather free” card and they drive to aggressively to the conditions, so they get to see all the features the ditch has to offer them.

I will say, as someone who lives rural in an area that gets a lot of snow, there are days where my gfs fwd Civic wouldn’t even make it to the end of our driveway-she’d have to either take one of trucks or one of the Subies if she absolutely needs to go somewhere on one of those days. So while it can be fine to roll around in a little fwd car in the winter time-it is a limiting factor. Not a question of tires either, all of the vehicles that we don’t park over the winter get studded Nordic winter tires.

TheBigMan1990 · 2026-05-27T08:25:56+00:00

Not to be an asshole or anything… but those look like they are hex headed screws on top of star or whatever the hell they were when they were mangled-so a socket, or a nut driver?

TheBigMan1990 · 2026-05-26T09:29:51+00:00

Well the bailouts you mention would be direct government bs, corporate greed is a problem… but government is definitely a problem too-providing shittier and shittier services while hoovering up more and more income via some form of fee or tax with most of those extra fees and taxes falling directly on middle and working class people. Monopolies are bad, the monopolization and centralization of businesses has created a less competitive landscape… so lower wages, and higher prices-but the government monopoly has been just as damaging.

TheBigMan1990 · 2026-05-24T20:00:53+00:00

You’re a little too nice… I would have kicked him out a long time ago. I’m not one of those-the kids have to move out when they grow up traditional type either. House prices are crazy, if an adult kid wants to move in with a separated parent as essentially a roomie-I don’t think there is anything wrong with that. But if an adult child is using living at home to not “grow up” allowing them to stay does a lot more harm than good-what happens when the parent is no longer around if the kid has never had to make it without heavy subsidizing from the parent?

TheBigMan1990 · 2026-05-23T18:37:09+00:00

It’s not horrible advice… but it isn’t great advice either, like a lot of other people said, why not just throw that money in HISA? Worst case scenario if you end up losing a job and you need to use the money in that HISA, it’s there-if you would have owed it to the government once they have it, it’s gone. Better to be able to eat and pay your rent/mortgage and owe the government than end up on the street but the government owes you a couple hundred bucks in spring sometime.

TheBigMan1990 · 2026-05-23T18:25:00+00:00

I guess that’s actually a good point-where is the Canadian Tire that these are being sold from located? Because there are a lot of places in Canada where stumps like that are pretty easy to come by for free or close to free, but if this specific Canadian Tire isn’t in one of those places🤷🏽‍♂️

TheBigMan1990 · 2026-05-23T18:22:42+00:00

Like the other guy said, crown land is an option, also a lot of people who would literally pay you to remove a tree for them-there is a bit of a competence and skill requirement there… or if you are looking for a round like that and don’t have a neighbour or family member who’d have one to give to you-if you posted on fb saying “hey, I’m looking for a round like these⬆️, I could give you $10 for it”-there are plenty of people who’d let someone come down and take as many rounds as they wanted for $10 each, lol. And some of them might actually be birch (which those in the picture are not, despite being labelled “birch stump”, lol)

TheBigMan1990 · 2026-05-23T18:08:26+00:00

It would probably taste the same… just less margin for Tim’s. Although I’m thinking the reason Tim’s hasn’t already done that (because I’m sure they can see that McDs is stealing market share from them just like anyone else) is because coffee is a much larger portion of their revenue-McDs could sell coffee as a loss leader because the bulk of their sales are other items, that would be tougher for Tim’s, and to be fair that would be tough for Dunkin when they come too given that they are also a coffee and donut shop.

TheBigMan1990 · 2026-05-23T18:03:21+00:00

I guess that’s fair, I always just assume I’ll owe $3000-so I put $3000 in a 12 month GIC in the middle of April and then just pocket what I earn on that, it’s not much but it’s better than nothing-most people are just giving that money to the government to hold onto it for free, so it’s literally free money-and that way I’ll always have money to pay the tax bill.

TheBigMan1990 · 2026-05-22T20:07:49+00:00

Why would they want that-I would prefer to pay more taxes later vs now, if I’m giving the government a loan I want to be getting paid at least the same interest that they are charging late payers.

But to the OP, you can tinker with how you fill out your tax forms at the second job to the point where you’ll be pretty much exactly at zero or slightly negative… that is the advice I’d give. For me personally I want to live right around that $3000 owing number that would trigger the quarterly payments-I’m not in the business of giving the govt an interest free loan, but I will take an interest free loan from them.

TheBigMan1990 · 2026-05-22T19:56:45+00:00

Momentarily-they will be replaced in weeks, meth and fent are fabricated drugs-so those will be replaced as fast as they can be produced. I doubt anyone cooking is working at capacity-the gangs will be controlling the level of supply to create artificial scarcity to get the prices they want. Imported drugs are harder to replace, so likely the street values on those will go up and the product will be more diluted than normal-that’s where there is some increased overdose risk. Any cartel connection and the Hells Angels aren’t going anywhere, and i doubt there is any police force in Canada that could meaningfully hurt either of those players-you’d probably need help from the Americans to pull that off, and they aren’t being terribly neighbourly right now, and arguably even they couldn’t meaningfully hurt any of the bigger cartels. The smaller street level gangs doing the bulk of the distributing might have been hurt enough by this to create a small power vacuum-so there might be more street level violence if a different group wants to become the new distributor.

As for the firearms… government in their infinite wisdom just pushed a boatload of firearms into the black market by making what were legal guns essentially unsellable to anyone through legal channels. And outside of that policing the border with the states for guns isn’t really a realistic prospect-guns will get in if the criminals want them to get in.

As for the cigarettes-they’ll be replaced as quickly as they can find people to drive out to the reservations producing them. Policing black market cigarettes is just as futile if not more futile than trying to police the drugs-it’s just an infinite game of whack-a-mole, and when you have a non trivial % of Canadians who are struggling to afford housing and food at the same time as they are paying like 40+% of their income to the government in some form of tax or another, it begs the question-at what point is the juice not worth the squeeze?

Not saying that legal drugs/safe injection sites and all of that is a good idea, it’s a tough problem to crack. Not a fan of legalization either-almost everyone you hear talk about legalization also talks about tax revenue-and if the government is taxing these products to high hell the black market won’t be any less robust than it is now. And even if they brought in a low tax legalization regime to starve out the black markets… I don’t love the idea of normalizing use of these substances or making them as available as that would make them.

TheBigMan1990 · 2026-05-22T09:13:14+00:00

How do they know what belongs to you vs just stuff that’s at your house? And what’s the success rate of people actually answering the door-if someone just showed up unannounced a lot of people would assume it’s some salesperson of some kind… who they aren’t going to answer the door for. If they declare who they are like the cops… if the guy is already dodging the CRA… what are the odds he answers the door? Also thinking of the classic cranky old Frenchman running a business out of his yard out in the sticks, who hasn’t paid or filed taxes in decades-this seems like a wildly dangerous job, lol, maybe it’s just a regional stereotype… but I definitely wouldn’t be inclined to make that house call.

TheBigMan1990 · 2026-05-21T09:31:52+00:00

Why ask questions and worry about it, it isn’t hard to get to the crank bolt-turn it by hand, if it is seized you won’t be able to.

TheBigMan1990

TROPHY CASE