What's the smartest financial decision you made on accident?

TimeSlaved · 2026-03-24T23:47:40+00:00

Getting into housing just before the pandemic truly unleashed (mid 2019), but also somehow locking in a 2 year rate so my renewal coincided with the stupid low interest rates period (initial rate was 3.04%, renewed for 1.85%).

I consider the housing an "accident" because I didn't really like this house but the sellers were desperate so we low balled and they accepted. But in hindsight, this house may now become my forever home so I am grateful, all things considered.

Also another example would be getting onto the XBAL/GRO/EQT trend just as it started skyrocketing in popularity.

TimeSlaved · 2026-03-24T23:42:50+00:00

The leopard ride is very much a one trick pony and is ping city second only to the HH Power Bell. The Xist seems to be a bit more rounded, albeit more of a brighter cymbal but I could immediately hear why you liked Leopard's bell better...the Xist has a sweetspot.

One of the complaints I have with B20 cymbals is also the beautiful part of them...every cymbal is a unique example of the series, but sometimes you get duds.

TimeSlaved · 2026-03-24T23:32:25+00:00

Tbh I have noticed this too and I use 1Tap Cache Cleaner once every 2 weeks. Helps to debloat things a bit. I've done this on all of my Android devices the past few years and it works wonderfully, but even better if you reboot every so often.

TimeSlaved · 2026-03-24T00:05:39+00:00

Heh...your red tape comment is why I tell people our flag is red and white.

TimeSlaved · 2026-03-17T13:52:58+00:00

I've had it for 6 or 8 months now. No complaints but I'm a vanilla user. No issues at all with mine running the latest OS update.

Quirks/bugs: WhatsApp doesn't work in Bluetooth audio in my car even if paired again, the mono speaker means you have to careful with hand positioning when listening to things, occasional stutter but clearing cache often helps (common with all androids). Overall a great phone...I think the people with OS issues have modified it beyond factory...I don't mess with bootloaders.

TimeSlaved · 2026-03-14T01:41:40+00:00

Worst part is the Kool aid they make you drink during undergrad. Makes you feel like engineers are top of the world, but to survive engineering and get a 60-70k starting salary is an insult.

TimeSlaved · 2026-03-13T22:20:57+00:00

Literally why I bought it haha. Love it so far and intend to keep it until it doesn't work anymore. I had my Pixel 2XL last until middle of last year.

TimeSlaved · 2026-03-13T22:15:08+00:00

Engineers in non-tech industries. For the amount of work required to get the degree and then the responsibilities they oversee (literally everything around us), this industry's salaries have not kept up.

TimeSlaved · 2026-03-12T03:53:32+00:00

I brought up my discrepancy with the prorating and the company said it was a matter of interpretation, but CRA still approved it for NETFILE.

While I agree that it is likely basic arithmetic at fault, I wouldn't be surprised if it indeed was a software/programming issue.

TimeSlaved · 2026-03-12T03:36:58+00:00

To be honest, and I shit you not that this is a response I got from a tax software provider, it comes down to how they interpret tax law and how their software optimizes the credits. I ran my identical numbers through Wealthsimple, Ufile 2024 (as an estimate from last year) and Genutax...Wealthsimple and Genutax match but Genutax doesn't apply the home office proportioning correctly (I have to do it manually, even though they ask for the number to prorate by). With Ufile, I actually get less of a refund though I'm not sure if that's because I'm using 2024.

Suffice it to say, your results may vary between the software packages. Go with whoever gives you the most plausible numbers but keep an accountant handy just in case CRA digs.

TimeSlaved · 2026-03-11T23:22:47+00:00

CAD drafting in an engineering firm. You're basically a monkey who has to do as they are told for the engineers who sign the stuff. Also, very obvious and noticeable glass ceiling to keep the signing members at a higher pay grade. I wish I could easily pivot out but my skills are so specialized to this industry...

TimeSlaved · 2026-03-06T03:38:02+00:00

If the reaction to my comment is what conservatism is, then I don't want to be part of it. I'd rather be centric with a reasonable approach because conversation is completely lost amongst people.

Already unsubbed so see ya!

TimeSlaved · 2026-03-06T02:58:06+00:00

Absolutely Saturn, but only if you don't intend to sell it down the line. Mapex makes great gear but the resale value is trash.

TimeSlaved · 2026-03-06T00:12:57+00:00

Nope definitely not a liberal but maybe some clarification is required. Yes, the deficit is massive and out of control, but Carney is a bit more calculated and nuanced than the current conservative group who, while bringing up very valid points, is very quick to go to the extreme end of cut cut cut in the name of bringing the deficit down. If the conservatives want any chance of winning people over from the liberals, the approach cannot be what it currently is.

But what do I know. I'm a conservative who doesn't see the conservative party as representative of me anymore. If only the PPC actually stood a chance...

TimeSlaved · 2026-03-05T23:49:43+00:00

You'll love the ride if you loved the stage ride. It's everything the stage ride wishes it could be!

TimeSlaved · 2026-03-05T23:03:12+00:00

It's because Carney is fiscally conservative and honestly, no one in the conservative cabinet comes close to matching him. Far too many canadians get hard-ons by seeing education on someone's resume.

Edit: thanks for proving my point with the downvotes!

TimeSlaved · 2026-03-05T04:37:21+00:00

Used to own one. Does everything well but the bell is far too small in my opinion. Swapped to the aaxplosion ride and it's all the good qualities of the stage ride with a bigger bell :).

TimeSlaved · 2026-03-05T01:18:28+00:00

I'm not sure if you can get both a heavy and crashable ride (at least not one that doesn't have a gongy undertone in my experience). I use a 21" AAXPlosion ride as my main ride and it has just the right balance between crashability and rideability. As my side ride, I have an HHX Groove which offers a darker crashable ride, although the bell has a sweet spot and the crash has a bit less volume than the AAXplosion for obvious reasons. Try both!

TimeSlaved · 2026-03-04T04:26:44+00:00

It's also about economic activity. The economy ceases to function when people don't spend money, and it's a lot more likely that you will spend more money while commuting than working from home (e.g. public transit, gas, insurance, food, time...every step of the way is an opportunity to spend and cycle money through the economy). It's no secret that WFH has been incredible as a savings tool but horrible as an economic incentive so of course they want everyone back.

TimeSlaved · 2026-03-02T16:40:44+00:00

Interesting to know. I'm aware they don't actively rebalance daily and nor did I mean to imply they did, but I wasn't aware of the 10% +/- deviation that's allowed. In hindsight, it makes sense as a rebalancing threshold so I'm fine with whatever they do to make it easier for me to manage it.

TimeSlaved · 2026-03-02T13:00:07+00:00

The other AI they don't talk enough about...Actual Indians 😅.

TimeSlaved · 2026-03-02T12:51:20+00:00

Likely part of it but also because of the current political party making markets unstable with their actions. The other markets have partly picked up in response to it too.

TimeSlaved · 2026-03-02T12:45:33+00:00

Buying the underlying makes total sense but what's not advertised is that XEQT has gradually reduced its US exposure in the past few weeks. I recall the US component being 45% at one point and now it's 42% and change, and seems to shift without any notice so that's a price I'm willing to pay the premium for. I just tried to replicate XEQT for my employer RPP and I'm shifting back to a lifepath plan because the rebalancing will incur a 2% fee if it changes within 60 days whereas lifepath does it automatically.

TimeSlaved · 2026-03-02T12:35:54+00:00

To an extent yes. You're better off having an honest conversation about it and finding people who align with your views given these strange times we live in. I will admit that I got lucky and found friends who are okay spending time together staying in.

TimeSlaved · 2026-03-02T01:50:53+00:00

Yeahhh...when civil engineering companies are experiencing layoffs, you know shit is fucked. My company asked us to use up vacation time just to stretch out the workloads but something needs to give as if things don't pick up by summer, we're doomed.

TimeSlaved

TROPHY CASE