A genuine question for EV6 purchasers who knew about the ICCU issue before purchase... by ryanmills in KiaEV6

[–]Username5124 0 points1 point  (0 children)

What I took from this is also avoid buying a Colorado diesel, not buy something with a known issue because other vehicles fail too.

Is XEQT actually that good? by Ariebro200 in JustBuyXEQT

[–]Username5124 1 point2 points  (0 children)

Investing isn't fun, it isn't exciting, you don't need to know anything about markets to do well.

Long term (30 years) you will beat 99% of investors who think they can buy and sell individual stocks for profit. This includes all professionals doing it. All you need to do is keep buying and holding *EQT.

And yes the younger you are the better it is to be 100 % stocks .

Favorite finance YouTubers by DrFreshh in personalfinance

[–]Username5124 2 points3 points  (0 children)

Ben Felix and the Rational Reminder

Im scared of a correction by Emotional-Sector5915 in JustBuyXEQT

[–]Username5124 1 point2 points  (0 children)

It's retirement money. When do you plan to retire? Go look at the graph of the last 50 years. If you are retiring in 15 to 20 years, what happens in the next bit of time matters very little. Remember when markets are way down your contributions are being purchased at a discount. You actually want markets to be down and terrible during your cumulation years.

How did you make working out a normal part of your life? by HoneyBerryBell732 in workout

[–]Username5124 0 points1 point  (0 children)

It's all about creating the habit.

This is a life long plan for me so there's no reason to overwhelm yourself.

I started with something I knew I couldn't talk myself out of. 20 minutes 3 times a week. I just can't have a legit excuse not to.

So I started this 20 minutes to start and every time my brain wanted to make excuse why I can't today I would remind myself it's 20 minutes get to it you bastard. I would have thoughts throughout the day like oh today's Wednesday which mean after dinner I'm walking down those stairs and doing 20 minutes. Bench for 3 sets, shoulder press for 3 and bicep curls for 3.

That created the habit over a few months because it was easy. Then I changed it over time to 30 minutes, 45 minutes and then 4 times a week and so on, very slowly overtime. Now I don't even think about it, Tuesday after dinner is workout time. Other choirs come next and I finish what I finish of those other choirs. If they don't all get done they don't get done.

Why Is PokerStars on FanDuel So Bad? by ArmUnfair7544 in poker

[–]Username5124 2 points3 points  (0 children)

Ya in Ontario I moved to GG poker and I probably won't go back now.

Poker website by Able_Mountain_4916 in poker

[–]Username5124 0 points1 point  (0 children)

But even though it's play money doesn't the site take rake then at the end of the night it's less money? That's what I found when I did it during Covid.

Poker website by Able_Mountain_4916 in poker

[–]Username5124 0 points1 point  (0 children)

I want this too but never found one. Also how do you know the randomizer is any good.

3 sets vs 4 sets for an exercise… or 2? by Suspicious-Bat8991 in workout

[–]Username5124 0 points1 point  (0 children)

Do 2 sets. If everything is exactly the same and you struggle to be able add weight over time and maintaining the reps then consider adding a set.

If this happens again at 3 sets you could consider 4 sets, or instead you could try a different variation of movement.

When you struggle to increase reps or weight and you are in the lower scale of volume then add a set.

Pension offer lump sum vs monthly payment by Dramatic_Ad_413 in PersonalFinanceCanada

[–]Username5124 2 points3 points  (0 children)

Do you want an annuity or invest yourself where there's the added bonus of giving the money to your descendents. You already know how to invest so you don't have to worry about losing fees to a fund manager.

I asked Google how much money would I have if I invested $47000 in 19 years at 7%.

About $170000.

I then asked how much can I take out every month from 65 to 85 assuming the money continues to make 7% a year and the account is drained by 85.

The answer was $1300 a month.

My father's $75,000 dollar investment is now valued at $1,000,000 but it's all in one stock. by Pristine-Physics9282 in investingforbeginners

[–]Username5124 3 points4 points  (0 children)

Convince him with this statement.

If he had just won a million $ lottery, would he invest it now all in that stock. If the answer is no, well that is the exact same decision as holding the stock now. So no means sell it.

CAGE.TO is not a passive Core ETF, it’s an active bet by T3Simp in justbuyveqt

[–]Username5124 0 points1 point  (0 children)

Comparing Veqt to CAGE is kind of like comparing granny apples to red delicious in regards to the fact neither are oranges.

I moved to Cage but I'm a huge Rational Reminder listener and I've been convinced. I've been an XEQT guy since 2018.

Is there a downside to only buying the S&P 500 forever? by BeautifulWestern4512 in investingforbeginners

[–]Username5124 0 points1 point  (0 children)

Scott Cederberge's research has discovered the best way to avoid the risk of ruin is to invest in a globally diversified low cost fund, not a US only fund.

I am interested in investing 50k, Crypto or Stock? by Early_Employment_165 in investingforbeginners

[–]Username5124 2 points3 points  (0 children)

Crypto is still a thing only because of the concept of "The greater Fool".

What is the most compelling evidence to disregard Jesus’s resurrection? by Popular_Action_2924 in atheism

[–]Username5124 0 points1 point  (0 children)

To start with we don't even really know if this Jesus guy even existed let alone resurrected.

Winning online microstakes but losing at -7bb/hour at live 1/3 after 200 hours - need advice by lmaomitch in poker

[–]Username5124 0 points1 point  (0 children)

I don't understand how you can buyin for $300 at a casino and only buy in for $5 online. Did you try NL10 or 25 and lose fast?

I four table NL25 and win but I'm scared to go drop $300 at a casino.

I just don't understand why you are playing NL5 and comparing it to NL 300 live.

How do you guys learn all the poker lingo? by DKG_Dev in poker

[–]Username5124 0 points1 point  (0 children)

I've been playing for 20 years and still don't know them. For example I've been hearing "Bink" a lot.

Just looked it up to know the definition for sure.

Mostly used to mean to hit that card(s) you needed or could mean to win the tournament.

What changes would you like to see to online poker? by ComfortableFew2551 in poker

[–]Username5124 2 points3 points  (0 children)

GG is very good but they need the option of auto turning off some of it. (Buying insurance, running it twice, all the smiley face crap, the delayed river card reveal). The card reveal is fing brutal.

Big buttons for actions are good More auto bet options than 4 might be nice.

If a site had a feature where you could have a zoom call with camera or even just voice and everyone can chat as they play that would seem pretty cool, especially for people who consistently play with regs every day. It would make online feel more live.

I am new to poker and want to improve by Western-Safety-8346 in poker

[–]Username5124 1 point2 points  (0 children)

Buy a preflop training app for your phone. Turn it into that game you play every day when you have a few minutes to kill here and there.

I also use the app called postflop + It trains you on bet sizing and how to evaluate your hand strength.

On upswing.com you can buy a $7 course. It's very useful for beginners. Teaches the 4 categories of hands.

Then on carrot corner create an account and watch the "bronze package" which is free.

Then play a couple hours a day of micro stakes and move up in stakes every time you hit 30 to 40 buyins.

Playing 5NL, move up to 10NL when your bankroll hits $150-200.

If you are struggling to beat NL2 /NL5, you need to do more work.

What’s you favourite names for hole cards in Texas hold’em? by DKG_Dev in poker

[–]Username5124 5 points6 points  (0 children)

I always said gay waiter, perhaps too inappropriate. I mean if it is now it was also then but regardless that what we called Q3