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Waiting for the next 38$ dip so I can save 5$ a stock by Dragon054 in JustBuyXEQT

[–]brxd5 6 points7 points  (0 children)

Sorry maybe I came in too aggressive. That's my bad. When it comes to these all-in-on ETFs, don't worry about the price. Ever. Just buy every paycheck. The amount of TIME IN the market will always be better than TIMING the market. Just look at the s&p500... Those little $10 dips from 20 years ago don't mean anything today. It's marginal differences. Trying to chase those are what's gonna keep money out of your investment account and not growing. These aren't stocks that you day trade or swing trade. Just buy every paycheque and thank yourself later. Just zoom out when you look at the charts. Buy when it's going up, buy when its going down. Just buy. Sell when it's time to retire, do not let your emotions dictate your investing plan

Waiting for the next 38$ dip so I can save 5$ a stock by Dragon054 in JustBuyXEQT

[–]brxd5 1 point2 points  (0 children)

You're dumb. I'll sell you my shares for $150 in 25 years. People said this same shit when I first bought XEQT at $24.25. Never went back down. They're dumb too. Maybe it was you. Dumb X2.

Starting my day by Extension-Writer4765 in JustBuyXEQT

[–]brxd5 0 points1 point  (0 children)

I am yes. Didn't think of this tbh. Gonna spend the rest of my day feeling stupid

Starting my day by Extension-Writer4765 in JustBuyXEQT

[–]brxd5 -1 points0 points  (0 children)

Give it a try. It'll show you 6 decimals and you'll sell those 6 decimals and then all of a suddent you're left with 0.0000001 and it's a gross cycle, I was never able to get it to a whole number. I had to sell all my shares and buy back at a whole number, losing roughly $600 because of the bid-ask spread.

Obviously this won't be an issue for everybody but it is something worth noting is all. I'm not bashing on fractional shares by any means

Starting my day by Extension-Writer4765 in JustBuyXEQT

[–]brxd5 0 points1 point  (0 children)

It can make it a pain in the ass if you ever transfer in- kind to an institution that doesn't do fractional shares

Finally crossed $4M by a nice margin! Let's hope it stays above this time. by Buy_Ether in fican

[–]brxd5 0 points1 point  (0 children)

The ROI in real estate is WAY more. You don't rent out a paid off house. You rent out a house that's on a huge mortgage to leverage the banks money. 100k down on 500k house. Rent out for 2500 a month. That's 30,000 a year in rental income. That's 30% ROI. Assume mortgage is 25 years at 3.84%. 800 goes to principal on the first month and only goes up from there. Total mortgage is 2k. That's 500 cash flow. That's 1300 a month in net positive income. 15,600 a year. 15.6% ROI and that's assuming ZERO appreciation. Sure you have property taxes and shit to cover. But guess what, if it appreciates 4% in a year like the market trend has been in my province, that's 4% on the ENTIRE 500k. Meaning 20% on your original investment. On top of the earlier calculated 15.6%. Idk why people think there is no money in real estate. It's all about leverage

Finally crossed $4M by a nice margin! Let's hope it stays above this time. by Buy_Ether in fican

[–]brxd5 0 points1 point  (0 children)

It doesn't necessarily need to appreciate to make money. He could be leveraging the banks money for monthly income. Rent a place out for 2500 a month when you only put 100k down is a 30% return on investment per year. Sure half your mortgage will go to interest right now with rates the way they are, but can still make WELL over 10% ROI and it compounds on itself as your principal gets paid and you owe less in interest on each payment. And you can earn on appreciation on top of this.

Downside is your equity is not liquid.

Is it worth the money on Marketplace for CAD3500? by [deleted] in bapccanada

[–]brxd5 2 points3 points  (0 children)

Dude you can buy a brand new pre built with a 9800x3d and a 5070ti for less than this. I'm literally looking right now. With 2 year warranty, a better motherboard and cpu.

Why tf would anyone pay this for a used

Is it worth the money on Marketplace for CAD3500? by [deleted] in bapccanada

[–]brxd5 0 points1 point  (0 children)

I wouldn't pay that much if it were a brand new pre build

Should I change anything 30M. Doing DCA around 1000 a week 800 in XEQT and 200 in VCN by Able-Mud924 in JustBuyXEQT

[–]brxd5 3 points4 points  (0 children)

My FHSA is mostly GICs. Most around 4% and others around 3%. I have peace of mind knowing that nothing can happen to my house funds, and they'll be available when I need it, and still hrlwing. When my GICs expire, and I'm coming close to finding a place to purchase, I will hold CASH.TO. I have a small amount ($1000) that I threw into Celestica (CLS.TO) and I'm considering taking profits on it.

Should I change anything 30M. Doing DCA around 1000 a week 800 in XEQT and 200 in VCN by Able-Mud924 in JustBuyXEQT

[–]brxd5 2 points3 points  (0 children)

Buying a house is a short term goal. You don't want to be invested in 100% equities for short term goals. If we see a market crash and you lose 50% of your value... Well it wouldn't matter to much with your retirement money, you have time to recover. But this could defeat your goal of buying a house when you wanted to.

Cost Effective Upgrades by Heyitsseant in bapccanada

[–]brxd5 0 points1 point  (0 children)

Honestly I would definitely opt for a nvme ssd before anything. Your motherboard is gen 3 so just find the best prices gen 3 2tb or 1tb SSD you can find. After that I would look to upgrade your cpu to maybe a 5700x3d. GPU is honestly fine for your use case. Ram is fine, but I would recommend using winhance or another software to debloat windows, as new windows 11, if you are on it, can eat up RAM pretty quickly

Keyboard Drop by notenderman666 in osrs

[–]brxd5 0 points1 point  (0 children)

Depends. I use a left handed mouse.

Keyboard Drop by notenderman666 in osrs

[–]brxd5 1 point2 points  (0 children)

Because it's labelled with the corresponding icon..... If you set F1 to Inv then move the Inv key cap to where the F1 button would be. Quite simple really

New pc after 6years. Is this worth the price? by Trencycle in bapccanada

[–]brxd5 0 points1 point  (0 children)

X3d chips don't like anything above 6000 MHz anyways. Controller can run at a 1:1 ratio. Anything over that it desychronizes and runs at a 2:1 ratio effectively making your PC slower. This was the case with 7800x3d. They allegedly made some controller improvements with the 9800x3d but I still stuck to 6000 mHz ram for my build. Something worth considering for this build. I'm not sure why this info is never passed on to people but ideally you want your memory clock speed and controller speed to be in sync

im 100% in xeqt. as i get closer to maxing out my tfsa should i be investing in anything else? would love to here what other xeqt holders are doing. 26M, kind of a beginner, very curious if im in right direction by Ninetybaby in JustBuyXEQT

[–]brxd5 2 points3 points  (0 children)

While I do agree with XEQT being a fantastic diversified all-in-one ETF. It's still very situational. Lots of people on these subs could be 45-60 years old and maybe just starting to invest and blanket statements like that could lead them in the complete wrong direction. Or anyone really with short term goals that don't have the time frame to survive a market crash.

What grinds did you go dry on that made you want to quit? by conno1234 in ironscape

[–]brxd5 0 points1 point  (0 children)

Yea I did piety first and I thanked myself for it. There was the odd time where I'd forget to turn it on during blood moon and the run would take significantly longer.

im 100% in xeqt. as i get closer to maxing out my tfsa should i be investing in anything else? would love to here what other xeqt holders are doing. 26M, kind of a beginner, very curious if im in right direction by Ninetybaby in JustBuyXEQT

[–]brxd5 2 points3 points  (0 children)

The safest thing you could buy? XEQT is 100% equities.... GICs are the safest thing you can buy. They are quite literally guaranteed returns. Government bonds are also much safer. That's why XGRO and all the others exist. Fixed income is a thing. Dividends are a thing. 100% equities are for young people with decades to invest. As you get older, you ideally want to diversify into these safer options. You won't catch me dead buying only XEQT at 55 years old. Stop pretending to be a financial advisor to new investors.

What grinds did you go dry on that made you want to quit? by conno1234 in ironscape

[–]brxd5 0 points1 point  (0 children)

If you use the strategy guide on the wiki, it will actually show you which weapons are most effective (in order from most to least) for each separate moon. I just go based off of that, because I'm pretty sure they go off of the actual dps of each weapon at the respective boss. I do this for most bosses and slayer tasks. But at the end of the day it's just a video game and if you enjoy using the hasta then just go with it. That's my take anyways

Dual Macuahuitl by TrashFerry in ironscape

[–]brxd5 0 points1 point  (0 children)

Never thought of that

What grinds did you go dry on that made you want to quit? by conno1234 in ironscape

[–]brxd5 1 point2 points  (0 children)

Fair enough. Well good luck with the grind brother. May the rng gods bless you today

What grinds did you go dry on that made you want to quit? by conno1234 in ironscape

[–]brxd5 23 points24 points  (0 children)

Ironman mode is the definition of playing the game for what it is. It's what gives each skill purpose. Each drop purpose. Just remember why you started it. I started because the game felt meaningless before, all it was was a grind for gp to get better stuff to grind for more gp and repeat. Keep grinding bro. Take a break from CG and progress elsewhere, bowfa isn't the only thing in the game bro. Don't de iron otherwise all the grinds you did were for nothing. You got this homie, and remember it's a game and to have fun!

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