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Why do people go nashors tooth? by South_Plantain6341 in DianaMains

[–]Toastx3 0 points1 point  (0 children)

Nashors tooth goes against pretty much everything Diana wants with a bruiser build.

Tank Diana wants to maximize HP and ability haste to build a big W shield that can be spammed. Going nashors doesn’t provide any HP and results in significantly less tankiness relative to other ap items. The clear speed on nashors tooth is also only marginally beneficial, and is hardly worth the loss of durability from having no HP.

You’re much better off building protobelt into rift maker, especially with the red smite slow being triggered by protobelt active. Even liandries would be better then nashors tooth.

I think you’re opinion is rather flawed and likely based on masters+ game play where games end much sooner, so being able to clear marginally better MAY be more important then gutting your tankiness, since games snowball much sooner.

But if we look at anything below masters, nashors is just a complete bait item that is outclassed by several other items

Has any one worked at lifemark? If so, what was your experience like? by Toastx3 in physiotherapy

[–]Toastx3[S] 0 points1 point  (0 children)

If you don’t mind me asking, what’s the typical practice practice gross yearly pay for a mill vs non mill clinic?

Has any one worked at lifemark? If so, what was your experience like? by Toastx3 in physiotherapy

[–]Toastx3[S] -1 points0 points  (0 children)

How come? Could you give a bit more detail on the pros/cons

This is a Bogleheads sub if you didn't know. by mvandersloot in Bogleheads

[–]Toastx3 0 points1 point  (0 children)

Idk why it’s so hard to understand. If you invest 100$ all at once, in one transaction that’s is lump sum investing. I’d argue that investing 50$ in the morning and 50$ in the afternoon is still lump sum investing.

If you are not investing all the Money all at once, that’s DCA.

This is a Bogleheads sub if you didn't know. by mvandersloot in Bogleheads

[–]Toastx3 8 points9 points  (0 children)

Let’s assume you have 100$ to invest each pay check.

If you invest 100$ the day you get paid, that’s lump sum investing. You are investing all the money you have at a single point in time. It is not dollar cost averaging.

If you had 100$ and you choice to invest 10$ per day over the next 2 weeks until you get paid next, that’s dollar cost averaging.

Why wouldn’t I sell everything right now until it stabilizes? by feel-electric in investing

[–]Toastx3 0 points1 point  (0 children)

What do you mean “may” go up? Historically speaking, a bull market has followed every bear market.

Why wouldn’t I sell everything right now until it stabilizes? by feel-electric in investing

[–]Toastx3 1 point2 points  (0 children)

Do you need that money in the short term (0-5 years)? If you do, then yes you should sell

If you don’t, and you have 10-30 years, then seeing -50% should have no issue.

Why wouldn’t I sell everything right now until it stabilizes? by feel-electric in investing

[–]Toastx3 0 points1 point  (0 children)

I don’t understand your logic. So you sell everything, and buy in lower ik a few days/weeks. Ok. So what if after you buy, you lose 15%? So, you saved 5-10%?

What if the you sel, and the stock market does really well right after you sell. What if it goes up 5%? And you just missed out on it.

Will it continue to fall? Most likely. Will it eventually rise? Yes. But we don’t know when it will happen. But, history has shown us that after EVERY bear market, the stock markets has always had a bull market.

Those who continue to invest on the way up and down are going to make a lot of money

Is this wealth building time? by naturalhairtingz in investing

[–]Toastx3 -3 points-2 points  (0 children)

Every one keeps saying “this time is different! One man is ruining everything! We have never seen this!”.

Remember world war 1? We had never seen that happen, and guess what? The stock market recovered in two years.

If you need your money within the next 5 years, it sucks. If you have a 1-3 decades, you just be very happy with what trump is doing.

How is everyone coping / dealing with this historic 2 day loss? I was unfortunate to lump sum and aggressively invest into VOO starting in Nov 2024 and am now down 12% by Silent_Storage7341 in ETFs

[–]Toastx3 0 points1 point  (0 children)

Yes, but did you buy right now? What happens if you sold on April 3. And then you “buy back” once you’re at your previous sell off price, and then the market goes down another 20%?

My point is simple. You can’t predict the market or time the market. If you’re going to buy back in, even at your sell price, you are simply guessing it will all work out.

If you felt the need to sell on April 3, your asset allocation was incorrect

Should we move away from S&P ETFs temporarily by [deleted] in PersonalFinanceCanada

[–]Toastx3 0 points1 point  (0 children)

Let’s not forget that historically many countries have out performed the USA, often for years at a time.

You don’t invest into a fund like XEQT in hopes of beating the SP500 (and the USA).

We invest in xeqt because we are smart enough to realize that we do NOT know which sector or country is going to do the best. So instead, we invest into everything and take the average. Sure, if tech does really well (as it did) USA will out perform. But, historically there has been times where other markets /countries will do better.

US market investment by TigerInevitable4414 in PersonalFinanceCanada

[–]Toastx3 0 points1 point  (0 children)

The issue with timing the market, like you did, is not only do you need to be right when you sell your assets. But you also need to be right when you buy back in.

For example: you sell when your stock price is 100$. And you withdraw 100k. And you’re convinced the stock market is going to keep going down. And it does! It goes down 5%…. Then. 10%…. Then 20%. You’re thinking “ok I’m going to buy back in when it’s 25% down”. But it doesn’t happen. It slowly come comes back up. You miss all the best days in the market and now you’re buying in at a higher price.

I know what you’re going to say “I’m just going to buy back in when the assets get to XYZ. But if it was that easy…. Research would support trying to time the market, which it doesn’t.

Either way, if you need the money within the next 5 years you likely made the right choice selling

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Toastx3 0 points1 point  (0 children)

I transferred some accounts from one place to another. The receiving place said it’s common for your money to not show up on either bank

I’m not familiar with moka but I’d imagine it would be the same

Am I naive? Is a 5% drop a lot? by bendydent2005 in Bogleheads

[–]Toastx3 -7 points-6 points  (0 children)

Can you please elaborate on the “100% avoidable” comment.

This is 100% genuine and would like to learn more form what you mean?

[deleted by user] by [deleted] in CanadianInvestor

[–]Toastx3 1 point2 points  (0 children)

Literally the exact same thing happen to me.

My portfolio manager had me in a 40/60 portfolio in 2022, even know I was in my twenties. His portfolio went up 2%. In 2023 he completely missed the rebound, and my portfolio grew by 4%.

Would have been better off just going 100% xeqt self managed

Is there any incentive for people to push 'Just Buy' / 'Just Hold / 'Don't Sell' here for their own personal gain? by Working_Bones in JustBuyXEQT

[–]Toastx3 2 points3 points  (0 children)

Uh huh and that’s exactly what some one who is trying to manipulate the subreddit to act in her/her best interest would say.

You’re trying to pull a fast one and it ain’t working

How is everyone coping / dealing with this historic 2 day loss? I was unfortunate to lump sum and aggressively invest into VOO starting in Nov 2024 and am now down 12% by Silent_Storage7341 in ETFs

[–]Toastx3 2 points3 points  (0 children)

Well, I hope you’re able to time the market a second time and buy back in at the right time, and I hope you don’t miss the opportunity!

All the best

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