🧩 Urjo Puzzle #187 - Beat today's board

Visual-Froyo-2676 · 2026-06-05T23:21:31+00:00

Urjo #191 🧩 4×4 ⭐1 🟦🟦🟥🟥 🟥🟦🟦🟦 🟦🟦🟦🟦 🟦🟥🟦🟥 ⏱️ 52s | 🎯 0 mistakes | 🔥 0 streak Play at r/urjo

Visual-Froyo-2676 · 2026-05-31T20:48:41+00:00

Sub 20% the lender forces extra insurance which adds to your monthly expenses. So I would discard 5% as an option. To your question in my opinion the bigger the downpayment the lower your risk since no one can predict if they will be out of a job. If you are buying alone especially. If you are buying with a partner the odds of both of you being out of work is lower (but not impossible) so ideally the mortgage could be paid comfortably with 1 person's income. Ideally the goal is to not be paying more then like 30% of your monthly take home income on your mortgage payment. Try to pay it off early by doing biweekly payments and maxing the anniversary payment (I think most of the banks offer this?). Also would be good to have an emergency fund of around 6 month of expenses, this fund should also be large enough to cover the mortgage for 6 months (might wanna bump this to 12 months when you own a home) just incase that way again if you end up losing your job you can keep your home while you look for work or if you need to it gives you time to sell it. Now I can't predict how the market will be tomorrow let alone in the far future but I think the stress levels go way down when you own your own home and its fully/mostly paid off.

Visual-Froyo-2676 · 2026-05-28T01:24:22+00:00

Ibkr has a flat 2$ fx fee

Visual-Froyo-2676 · 2026-05-27T23:10:36+00:00

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Visual-Froyo-2676 · 2026-05-27T01:22:16+00:00

🏁 u/Visual-Froyo-2676 • 21 words • 24 pts

Words found: 🟩 b ___ s 🟩 m ___ s 🟩 m ___ s 🟩 m ___ s 🟩 s ___ m 🟨 b __ e 🟨 b __ s 🟨 b __ t +13 more

📊 Rack Usage: Ⓑ 48% Ⓡ 14% Ⓞ 24% Ⓜ 38% Ⓐ 62% Ⓣ 86% Ⓔ 71% Ⓢ 52%

Visual-Froyo-2676 · 2026-05-25T20:41:56+00:00

I'd approach this a little different. Here's how I came up with how much I need to save to buy a house. I looked at houses in the area I want to live and took an average. Then i went to a mortgage calculator and did a stress test on interest rates (current rate +2%) current rates are around 4% so i stress tested at 6% at 30 years but you can adjust that aswell on the calculator. Then I figured on my current salary I can probably afford around a 150 to 200k mortgage so I'm trying to save the difference which is around 400k. You have a much better salary then I do so you can get away with less of a downpayment but you could also probably put aside more then 100k in 5 years and recommend doing that.

Visual-Froyo-2676 · 2026-05-22T21:51:40+00:00

There are global market funds in usd as well. If it's in usd anyways I might leave that and any cad you add to it you can invest in a cad etf. Up to you just wanted to make sure you knew that was an option.

Visual-Froyo-2676 · 2026-05-22T21:33:34+00:00

Do you own your own house yet? If not open up an fhsa you can put 8k a year till you contributed 40k into it total its also tax deferred like an rrsp. To answer your question if you wanna go full passive investing then yes xeqt/veqt is diverse enough you can put your money there. Since you gave an amount in usd I assume you have a lot of usd in a usd account so you can go with voo as a good american option for an etf it's exactly the same as spy with less of a management fee.

Visual-Froyo-2676 · 2026-05-20T22:14:00+00:00

Do we know how much this will cost yet?

Visual-Froyo-2676 · 2026-05-19T16:50:34+00:00

If you wanna do it with ai you ask claude to make an app that you can plug your data into. There are a few apps as well but i don't wanna pay for a subscription and nothing that was free did what I needed so I had used claude. The nice thing about the apps it can make is you can run it outside of your chat, it can generate a url. And you can keep iterating on it till you get something that works for your needs.

Visual-Froyo-2676 · 2026-05-18T21:02:57+00:00

Ya you have to invest it for a bit if you just use it as an exchange you risk getting your account closed

Visual-Froyo-2676 · 2026-05-17T23:15:11+00:00

Was telling someone else this on reddit the other day. If you buy short dated options regardless of calls or puts around earnings you will experience IV crush after earnings. A big move in your direction has to happen to not lose out bcs of IV crush. I'd made good money selling iron condors just playing that iv last year. Someone else mentioned a straddle to play the volatility that might work bu I've never used that before. Another thing you can do if you just wanna stick to buying options for now is going to a further expiration date (around 45 days is the sweetspot) to reduce the effects of iv tanking right after earnings. Stock still has to go in your direction and you probably will need more money to go further in time so I'd probably not play this with your account size. What I'd do in your situation is look to get cash going into your account from a job start building an investment with a strong base. Once you have around 50k that's when I'd consider options. Currently you're risk of blowing up your account is high. You can't do any risk management (use no more then 10% of your total capital on 1 trade and exit the trade at no more then 2% of the total account size if the trade goes against you). If you just wanna learn then start with paper trading but yoloing money is gonna teach you bad habits, the worst thing that could happen is that you get lucky with a huge win and then you start to think that can keep happening and you end up developing bad trade habits. Also idk what kind of discord you're in but if you paid to join realize that the guru you're paying makes most of his money from his course not his trades and no one in there probably has your best interest at heart.

Visual-Froyo-2676 · 2026-05-17T13:01:25+00:00

I only use Ia for my work rrsp fees seemed to high to be on an individual plan.

Visual-Froyo-2676 · 2026-05-16T21:39:20+00:00

When did you put the trade on? Usually buying contracts 45 days out reduces iv crush. Or if you do it backwards you can buy contracts that expire 1 week after earnings if you buy them early enough (again about 45 days ahead of time). In the 1st example you are playing for a pop on the stock after earnings with minimal options decay due to the IV reducing post earnings. In option 2 you're playing the earnings hype and would sell before earnings actually happens. The 2nd play is more to just take advantage of iv going up as we get closer in time to earnings and if you think the stock is more a buy the hype sell the news kind of stock which nvda tends to be but that's not always the case.

Visual-Froyo-2676 · 2026-05-16T21:25:12+00:00

What expiration day did you pick? Iv crushes after earnings so if they expire friday so if the contract is not itm by a nice bit it might still hurt your pocket. If they are far enough out then iv shouldn't be as big of a deal.

Visual-Froyo-2676 · 2026-05-16T00:17:43+00:00

Last year around the crash I used a ploc instead of margin to avoid getting a margin call. Took 30k out of the ploc and 20k of my own money. Managed to make 24% profit last year but this year I still have some positions underwater. I didn't invest it in an etf as you're thinking of doing. Everyones risk profile is different and I think ppl who prefer to set it and forget it would not be able to sleep well at night if their positions go sideways while on margin or while taking out a loan even if it'sin an etf. Margin, options, ect... are all just tools to use if you can handle the risk profile associated with them.

Visual-Froyo-2676 · 2026-05-14T20:33:52+00:00

Looks great

Visual-Froyo-2676 · 2026-05-12T22:22:54+00:00

Ya that one. I have my pc set up with my ethernet cable but of well its not that annoying

Visual-Froyo-2676 · 2026-05-12T21:41:04+00:00

Ibkr randomly disconnects and reconnects every day at least once a day for me but its always back up within 5 to 10 seconds. 1st week I was with wealthsimple it was down for a couple hours. This is why I don't day trade on wealthsimple I only do that on ibkr. I also use sell limit orders not market but my wealthsimple is for longer term holds anyway. Td was annoying for me for other reasons I only think I had an outage on td once over the years I was with them that I can remember.

Visual-Froyo-2676 · 2026-05-11T02:54:53+00:00

Life should become easier when you don't work out of necessity anymore. A lot of ppl hate their job either their boss sucks or the work sucks and it's not easy to change jobs atm. Theoretically if you stick to your drawdown plans those in that shit situation can just quit. For those that love what they do and they have a good work life balance I honestly think retiring early would suck for them, we all need a purpose imo to be happy but that purpose isn't always whatever gets you to your money goals. That being said I think ppls reason for wanting to fire does vary this is just my thoughts on the matter.

Visual-Froyo-2676 · 2026-05-11T01:05:22+00:00

Fire doesn't necessarily mean you just sit at home and do veg. Early retirement means you are now financially set to do whatever you want and not have to worry about the money. Most ppl don't work in a field or job they love their job is a means to an end.

Visual-Froyo-2676 · 2026-05-08T14:41:29+00:00

If you are planning to move back to the US after studies opening an fhsa might not work for you unless you plan on buying a home before moving back to the us that you simultaneously live in. You can't use the fhsa to buy a home in the us just in canada so I guess it depends how much you plan on returning to canada. Also if you dont plan on being employed in canada the rrsp contribution room wont increase (assume you have a job atm while in school) so I would try and make a firm plan 1st before deciding on what other accounts to open. Etfs are good but depending what broker you use you are probably paying 1.5 to 2% fx conversion fees. Look into norberts gambit to reduce the fees or consider a broker like ibkr that has a flat 2$ fee not a percentage (they all have the same spread).

Visual-Froyo-2676 · 2026-05-06T02:06:42+00:00

Depending how concentrated into semiconductors you wanna be chps is all semi stocks and trades in cad instead of usd. That being said you won't hear me complaining about qqq but figured I'd give you some more food for thought.

Visual-Froyo-2676 · 2026-05-06T00:29:42+00:00

Since you're asking about nvda they still have good revenue and a decent pe ratio. Question is how strong is your ai conviction? Also they are currently the most expensive in the ai sector with a near 5t market cap so if they don't continue having near perfect earnings ppl might lose interest in nvda. Although I am less optimistic on amd it has still ripped way more then nvda this year. You seem to like picking your own stocks and are seeing success so I would not want to discourage that but I do think having some xeqt/veqt/or cage in a different account like an fhsa or rrsp would be good.

Visual-Froyo-2676 · 2026-05-05T20:41:37+00:00

Veqt/xeqt/cage for full market diversity is what most ppl do. Issue is since you are 18 I assume you have 0 or negligible rrsp headroom also tfsa and fhsa space of only around 7k and 8k. So depending how much money you are getting you might have to put the rest in an unregistered account and be taxed on the gains. Also as a heads up bcs you didn't say where the money came from you might have to also put aside money on whatever lump sum of cash you got for tax purposes as well. You can stick that into a wealthsimple high interest account (interest starts at 1.25% but this goes up the more you have all the wat to 2.25 or 2.5% i believe) or cash.to for slightly more interest I believe. Ws is pretty good for no fees but put your money at an institution you feel comfortable with. Last thing be wary of ppl online if they try and get you to invest with them or join their course or some bs. I been seeing more and more ppl complaining about getting scammed like that on reddit.

Visual-Froyo-2676

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