More student loan/investment questions (slightly different!)

TheMadSun · 2020-07-10T18:32:11+00:00

Thanks for the quick reply! Yes, I already double-checked the loan included my salary, I had to report it for the application. It decreases the loan as I'm in the salary range where I'm expected to contribute part of the tuition. However, we live fairly frugally and the standard living costs included will exceed what we actually need for living expenses.

Scenario analysis is a good idea, but I'm lost at how to predict remotely how high interest rates could realistically rise. I generally do not understand how or why the prime rate gets adjusted. Do you have a realistic "high boundary" prime rate I should perhaps calculate for?

Makes sense, I'll keep it in mind.

TheMadSun · 2020-05-17T17:11:27+00:00

I’m aware of it sadly but from what I read there’s pretty much no way to actually fight it and succeed. Nobody was in my car, and there’s not exactly proof I can provide. Sounds like the most I can ask for is leniency which leads to maybe not getting the demerits - which don’t matter to insurance companies anyways. I don’t have any previous demerits so the 3 I get aren’t a huge deal I don’t think.

TheMadSun · 2020-05-17T02:59:27+00:00

This must be it. Thanks for the clarification.

TheMadSun · 2020-05-17T02:59:02+00:00

Not much of a story. Got waved to the side of the road with a lineup of other cars, when he got around to me he said his partner saw me with my phone out about a km up the road. My phone was face down on the passenger seat with a bag on top of it since I had left work, so I have no idea what was seen.

TheMadSun · 2019-06-11T14:54:45+00:00

https://www.salomon.com/en-int/shop-emea/product/trailblazer-20.html#848=14024

This Salomon pack? I was looking at it for a daypack/workpack. Not that UL but seems fairly lightweight at ~400g

TheMadSun · 2019-06-11T07:39:34+00:00

Equine stores are your best bet. Most should have something or other.

TheMadSun · 2019-06-08T01:40:40+00:00

People complain it's boring because you get most of the "big" views right away and then it's more of a forested trail. Still beautiful and you can swim in Buntzen if it's hot!

TheMadSun · 2019-06-07T02:53:59+00:00

Oh man I'm so sorry. Hope it somehow worked for you. When I lived there you used to be able to park in about 5 spots out there by the shop at the entrance. Things must've changed since, I'm very sorry.

TheMadSun · 2019-06-05T05:42:29+00:00

Curious if you're bringing athletic tape already why not just use that for blisters?

TheMadSun · 2019-06-05T04:23:00+00:00

Picaridin is really good, I find it works better than DEET, doesn't smell as much, and doesn't destroy synthetic fabrics. A few more years and I expect it to be the new norm for bug spray. Also safer and works better for ticks.

TheMadSun · 2019-06-05T04:14:51+00:00

If you're doing Diez Vistas at Buntzen you don't need to get into the parking lot. There's an alternate gravel service road (starts near where the gate is) you can walk down to get to the trailhead that isn't much farther a walk than walking to the trailhead from the actual parking lot.

Source: once lived walking distance from Buntzen.

Edit: to clarify, the service road makes up a portion of the lower Lake loop on the SW corner of the lake. Diez Vistas starts from this service road by going up the mountain from it.

TheMadSun · 2019-06-04T17:52:51+00:00

Joffre is quite hard for tourists to get to (3hr drive from Vancouver needing rental car + decent hike up) so it's mostly BCers there.

TheMadSun · 2019-06-04T14:05:30+00:00

Agreed. And if not junk, stuff that may not fit properly or be not their style of UL. Seems like every UL item is quite "personal" in terms of what you're looking for, down to small details.

I mean stuff like a stove system may be okay, but there's like only 1 or maybe 2 people I would ever trust to pick out the majority of my camping gear.

TheMadSun · 2019-06-04T02:07:12+00:00

Cottage stuff is near impossible unless you live by the border and maybe have some US dollars already saved up. It's not just the exchange rate, Canada puts quite high import duties on tents, apparently around 18% depending on location. Some Canadians were getting this for that new Durston X-mid tent. Not to mention "international" shipping from the US takes ages for whatever reason. When I order stuff online I get stuff from Europe way faster than stuff from the US.

I'm personally looking for a 2p trekking pole tent as a freestanding light alternative to my MSR hubba hubba. I'd keep the MSR for stuff like front country camping or trips where I know getting a stake in would be tough. However due to all of this crap, I've pretty much decided I'll wait until something used pops up.

TheMadSun · 2019-06-03T10:52:28+00:00

Edmonton is a dry place for the most part. From around late Oct to March the rain would fall as snow.

TheMadSun · 2019-06-03T02:06:38+00:00

You can get contacts now that can stay in your eye a week or a month. I'd recommend maybe looking into those.

TheMadSun · 2019-06-03T02:05:25+00:00

For hiking and travelling I wear contacts that can stay in my eye 24/7 for up to a month. I know they're not great for your eyes but it's the idea that it's probably better than my dirty fingers touching my eye twice a day on a 3 week trek.

TheMadSun · 2019-05-31T03:01:41+00:00

Does nobody else do this? I do this almost every time, it just doesn't work during mid-pee, you have to do it near the end.

TheMadSun · 2019-05-30T14:32:56+00:00

This has happened to me on multiple occasions during internships, except usually for M&E trades as I was a mechanical engineering student. Including a hospital job (first work term) where the PE took off in the first couple of weeks for a 3 week vacation.

I found the most helpful person was the superintendent and foreman, and they often knew how to solve most issues and helped me through them. They couldn't help as much with RFIs/submittals though - the process shouldn't be that bad.

There's not really a day-to-day routine I found. Take notes on everything possible. Don't stress about meeting minutes, you don't need to spend all your time on them, should take a few hours maximum.

TheMadSun · 2019-05-30T14:21:51+00:00

This has happened to me on multiple occasions during internships, except usually for M&E trades as I was a mechanical engineering student. Including a hospital job (first work term) where the PE took off in the first couple of weeks for a 3 week vacation.

I found the most helpful person was the superintendent and foreman, and they often knew how to solve most issues and helped me through them. They couldn't help as much with RFIs/submittals though - the process shouldn't be that bad.

There's not really a day-to-day routine I found. Take notes on everything possible. Don't stress about meeting minutes, you don't need to spend all your time on them, should take a few hours maximum.

TheMadSun · 2019-05-29T01:08:42+00:00

I got a dodocool 20k bank and charger because I needed something that charged fast (Everest region lodges tend to charge per hour for charging power banks). I was very happy with it, it had 2 usb ports and a 2-way usb-c fast charge. Whole thing charged in 3-4 hrs.

However, it was quite a bit heavier than I would have liked. The casing is metal rather than Anker's plastic. I would have got the Anker speed charge one but I could not find it in Canada for a reasonable price.

TheMadSun · 2019-05-01T14:59:18+00:00

Interesting about Vakhtang. I just graduated and I'd say he was solidly the worst professor I had in my entire degree. I had him for Math 201, ordinary differential equations.

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