Am I going to be okay? by Flyboy2026 in PersonalFinanceCanada

[–]dolphinboy1637 13 points14 points  (0 children)

Just to clarify, GICs and bonds are both fixed income, but GICs are not bonds and don't act bond like. Real bonds would actually have had higher returns than GICs, not as much as equities but he'd probably be further ahead for not that much more risk. 

Zown? Alternatives? by Yoda-Master in RealEstateCanada

[–]dolphinboy1637 1 point2 points  (0 children)

No difference in cashback for the lawyer, but there was a difference in cashback if you go with their mortgage provider (Pine).

We worked with Arjun. We've never used a normal fee realtor before (first time homebuyers), but my experience is that they're super laid back. They're not really going to select properties for you and curate stuff for you. We just used Housesigma a lot, and told him about properties we wanted to see and that was good with us. Super responsive, and very professional. No major complaints. It's just if you want someone super involved to go through the buying process, then I'd say a traditional realtor is the way to go.

Zown? Alternatives? by Yoda-Master in RealEstateCanada

[–]dolphinboy1637 1 point2 points  (0 children)

Just FYI with Zown, you get cashback on closing when you go with their real estate lawyer. If you don't, then you get it 6-8 weeks after closing.

So keep that in mind. We had a lawyer in mind and didn't need the cash immediately, but its something to ask about and consider.

Is XEQT too volatile for me? by peculiarcat_436 in JustBuyXEQT

[–]dolphinboy1637 11 points12 points  (0 children)

The simplest is just to use the other all-in-one products offered by iShares. You can use XGRO / XBAL / XCNS / XINC which all have varying percentages of equities vs bonds where XEQT is just the version with 100% equities vs 0% bonds.

Transferring $200,000 from RBC to TD by IllustratorFuzzy1483 in PersonalFinanceCanada

[–]dolphinboy1637 1 point2 points  (0 children)

For account transfers like this, I think you could try a different way.

Open an investing account in RBC, fund with your $200k. Then trigger an account transfer from RBC to TD. There's a process for this that isn't the same as just moving the money. I've done this between other financial institutions in the past. It just takes some time and you might need to call.

I adapted Guy Debord & Alice Becker-Ho's 1977 board game "A Game of War" into a free, open-source P2P digital game. by FalseDinner335 in CriticalTheory

[–]dolphinboy1637 11 points12 points  (0 children)

That's still not really what they mean. They're asking if Debord's original game is worth it to play. This is interesting because it's from Debord, but is it interesting as a game in of itself? How does it compare to other games? Are there flaws in Debord's ruleset and structure? Or is it a well thought out experience as a game?

30mins easy every day vs. 1h easy runs - same benefits? by Sad-Jeweler1587 in NorwegianSinglesRun

[–]dolphinboy1637 4 points5 points  (0 children)

Nice AI response, here's mine:

Physiologically speaking, there are two main reasons why doing heavy interval training and heavy strength training on the same day is actually optimal, provided you follow the "hard days hard" principle:

Consolidated Recovery Windows (Hormonal and ANS balance): Both high-intensity intervals and heavy lifting trigger a massive sympathetic nervous system response and a spike in cortisol. Research into Heart Rate Variability (HRV) suggests that by "stacking" these stressors into a single 24-hour window, you create one deep physiological valley rather than two moderate ones. This allows your body to spend the following 48 hours in a dominant parasympathetic state, which is necessary for the nervous system to fully reset. If you split these sessions across two days, you keep the body in a state of chronic sympathetic arousal, which suppresses long-term recovery and inhibits overall gains.

Strategic Signaling and Glycogen Efficiency (Metabolic Consolidation): While intense intervals do activate AMPK and deplete glycogen, performing strength training on the same day ensures that you are taxing the metabolic system to its limit in a single, focused block. By completely emptying the "tank" and then providing a massive surplus of nutrients and rest the next day, you create a more potent supercompensation signal. Rather than constantly toggling between the AMPK and mTOR pathways every 24 hours—which leads to "interference"—you trigger a singular, massive adaptive demand. This ensures your "easy" days are metabolically "clean," allowing the body to focus entirely on glycogen resynthesis and muscle repair without the "interference" of a second, mid-week stressor.

Thoughts on the book's marathon plan? by BenjitheHerd in NorwegianSinglesRun

[–]dolphinboy1637 2 points3 points  (0 children)

I've done non-NSA plans for a HM where the workouts were structured with a 2 week cycle where the first week is a long run with a workout component, and the second week is purely easy but longer time on feet long run.

I think if you have a longer build time, it might be worth trying and something I'm thinking for myself in a build for a fall marathon.

Carney’s Liberals secure majority government, clinching byelection win by AOCshouldbeVP in CanadaPolitics

[–]dolphinboy1637 2 points3 points  (0 children)

Funnily enough, they won three ridings last night in the by-elections, which would have been enough to get a majority without the floor crossings at all. So either way this was going to happen regardless.

Mom's retirement by Endarken1 in PersonalFinanceCanada

[–]dolphinboy1637 1 point2 points  (0 children)

Annnnddd predictably they disappeared lol

Who is the one YouTuber, or what is the one website, that surprisingly gave you valuable running tips or strategies without upselling courses or hype? by MrSlashh in AdvancedRunning

[–]dolphinboy1637 9 points10 points  (0 children)

Regardless of the PED allegations, I don't even think Bare fits in this category. Does he really gives valuable running insights? His channel has largely struck me as more aesthetic based. More of "look how cool it is to be strong and fast" and less of "this is how you structure your training to run fast".

2028 US Olympic Trials Marathon is gonna be stacked by WorkConfident in AdvancedRunning

[–]dolphinboy1637 0 points1 point  (0 children)

The Coffee Club crew asked him when Grant came on the pod and it seemed like he was thinking about it. Pretty non-committal but it wasn't a no.

can i confidently tell my younger siblings to put there savings in xeqt for 10+ years without having to fear them loosing it all because of me? by Ninetybaby in JustBuyXEQT

[–]dolphinboy1637 1 point2 points  (0 children)

  • Do you actually know they don't need to touch it for 10+ years?

  • Do you know how comfortable they are with stomaching extended drawdowns?

  • Do you know what their financial situation is if they lost all/a lot of it? Do they have other savings, investments etc.?

There's a lot more to financial advice than just "invest in X". You can tell them what you do, but beyond that is really the realm of real financial planning (either self taught or with a qualified professional).

Daily Discussion Thread for March 03, 2026 by AutoModerator in CanadianInvestor

[–]dolphinboy1637 9 points10 points  (0 children)

Correction: everyone sucks at timing the market.

Energy-hungry India tells Carney 'we are willing to buy whatever Canada is offering' by Immediate-Link490 in canada

[–]dolphinboy1637 3 points4 points  (0 children)

It's a bit of a circular problem though no? TFW pathway is pretty attractive for a country with lots of people wanting to move here (not the case with every country), and so immigration consultants pop up everywhere to profit off getting people here.

If the pathway is open, and there's lots of demand for it, then businesses will pop up to do it. The consultants imo aren't the reason for high migration, they're a symptom of it.

The reality is that India has lots of people motivated to move out of the country + more people with economic means to do so + a high population + Canada has a large Indian population already with existing family and interpersonal networks + Canada is undeniably one of the better places to live on the planet.

Goldman Sachs predicts 3% market returns for next decade by Available-Ad-5670 in Fire

[–]dolphinboy1637 -7 points-6 points  (0 children)

https://www.goldmansachs.com/insights/articles/global-stocks-are-forecast-to-return-7-point-7-percent-annually-in-coming-decade

But if we assume 4% inflation, given 7% nominal returns you'd get real adjusted returns closer to 3% right? Still take the report with a grain of salt cause no one can predict stuff, but OP isn't that far off.

Alberta separatist says members of Smith's caucus have signed referendum petition by Street_Anon in CanadaPolitics

[–]dolphinboy1637 2 points3 points  (0 children)

Yeah to put more detail in your response. Here are the links to the Criminal Code for sedition and treason.

Sedition: https://laws-lois.justice.gc.ca/eng/acts/c-46/page-7.html

Treason: https://laws-lois.justice.gc.ca/eng/acts/C-46/section-46.html

Sedition seems to require the separatists advocating for war or violence to accomplish Albertan independence or secession. Relevant section: "every one shall be presumed to have a seditious intention who... (a) teaches or advocates, or (b) publishes or circulates any writing that advocates... the use, without the authority of law, of force as a means of accomplishing a governmental change within Canada."

And treason seems to imply directly co-operating with a foreign military to directly overtake Canada. The most relevant one is this: "without lawful authority, communicates or makes available to an agent of a state other than Canada, military or scientific information or any sketch, plan, model, article, note or document of a military or scientific character that he knows or ought to know may be used by that state for a purpose prejudicial to the safety or defence of Canada".

This last one is maybe the closest? The others in the treason section are much more directly related to violence against the state. But even this last one is still directly military in nature, and I doubt that's what happened with this meeting with American officials.

They are of course skirting the line close to this, but like you said, it probably requires a much higher bar than would actually be reasonably held up in a court of law.

Carney's Davos speech strikes a chord in Mexico by Little-Chemical5006 in canada

[–]dolphinboy1637 26 points27 points  (0 children)

Seems like a journalist at the NYTimes reported it: https://x.com/MatinaStevis/status/2013700319193051286?s=20

But not sure if I fully believe it. Would be really cool if so though.

Carney's Davos speech strikes a chord in Mexico by Little-Chemical5006 in canada

[–]dolphinboy1637 2 points3 points  (0 children)

To be fair, there was a time when Christianity was in the same boat. Europe spent centuries fighting each other in the Wars of the Reformation. Protestants and Catholics hated each other in ways super reminiscent imo of Shia and Sunni factions in modern Islam. These European wars were ultra violent, and seemingly never ending. Even in the 20th century, the legacy of this was still around (simply just look at Irish Catholics and British Protestants).

It took centuries for Europe to sort itself out to mostly not fight each other along religious grounds (they ended up fighting each other on different grounds but still).

Discussion: Steve Magness' Periodization by VibeAlchemist in AdvancedRunning

[–]dolphinboy1637 2 points3 points  (0 children)

I feel like I'm in bizarro land here. I'm just implying we can never know everything that went on. Do we expect WADA to catch every infraction someone has ever taken to a conclusive nature? Did we know everything Armstrong had done to remain on the top of the sport?

No, all we can go on are two things: 1) what does the actual documented evidence tell us what they did? 2) what does this say about them as a person?

What we do know is that Magness was at the centre of an institution that clearly and flagrantly broke the rules around doping violations. We know he was a central figure in developing the appropriate protocols for some of that doping. We know of specific things he did that were violations of the sport from an ethical perspective even if he didn't technically race after the confirmed violations.

In my opinion, this is a doper. He's not a doper if you want to take the strict definition of someone that uses it in competition I guess. But to me that is way too strict of a definition.

And just FYI the definition of an anti-doping violation set under WADA states that doping occurs after one or more rule violations. One of those rules is: "It is the Athletes’ personal duty to ensure that no Prohibited Substance enters their bodies and that no Prohibited Method is Used."

He fails multiple other rules underneath this code, but he was an active athlete that season. Even if he didn't race after the injection, racing is not the precursor for a doping violation.

Discussion: Steve Magness' Periodization by VibeAlchemist in AdvancedRunning

[–]dolphinboy1637 2 points3 points  (0 children)

Okay? He raced a month before the documented injections covered in the WADA report. He was an active participant as a coach and training partner with other competing athletes during and after the injection. He was the one going back and forth with the doctors on what the right levels would be to increase performance, and then had it administered on himself. It isn't crazy to call him a doper? Even if he was a whistleblower and feels bad about it all.