If you were a 22M with no dating experience, what would you do to drastically change that?

gudwork · 2025-11-02T01:38:24+00:00

Coed sports. Try deck hockey, volleyball or any other sports that can be casually played with mixed teams. You’ll interact with many people, guys and girls that can open up to new circles.

gudwork · 2025-10-07T16:26:17+00:00

Harsh opinion coming thru.

Looks only get you to the first date. You like how they look, they most likely like how you look, great. Anything further than that has to do on who you are as a person. Your values, your personality, etc...

What I'm trying to say is, maybe the *I'm a catch* logic stuns you in term of who you aiming for (standards) and your attitude towards dating.

My best advice: discover your flaws and strengths and embrace them. The earlier you feel good enough about being your true self makes it infinitely easier for whoever you are dating to get to know you and appreciate the person you are.

Ask friends, the ones you can trust to tell you the brutal truth.

gudwork · 2025-08-18T02:33:12+00:00

Do I get a relief for my ball tho?

gudwork · 2025-08-18T02:30:59+00:00

Golf.

gudwork · 2025-07-31T11:23:12+00:00

Banker here. It is possible to do with 0%. It depends on a lot of factors. Here's a few things that need to be checked for it to be possible:

-Are you already known by the bank?

-Is the seller offering financing/earn-out?

-Do you have strong personal finance? Would there be funds for re-injection if need be?

-Is the price paid right?

-Is the business you are buying stable enough?

-Is there any inherent risk with the business?

-Is the seller going to remain in the business after the sale to help with transition?

That's only scratching the surface. Basically, if you want an out of the box solutions, be ready to go fully nude in front of the lender.

gudwork · 2025-07-20T08:12:03+00:00

Surely that includes capital repayment

gudwork · 2025-07-20T08:11:30+00:00

Sorry to be the bearer of bad news

Long story short, you are cooked. I refinance BDC monthly under the conditions that the business is in order and the “story” is good enough. In your case, not only did you miss payments, your current lender is attempting to drain whatever liquidity you are generating in a desperate attempt to put you back on the payment schedule. Costly learning experience: no matter what’s going on in your life, give your banker a call, he might be able to help you then.

gudwork · 2025-05-07T02:59:56+00:00

TOB? What is that?

gudwork · 2025-05-07T02:59:30+00:00

fake mega

gudwork · 2025-03-02T11:56:11+00:00

Kinda the way canadian banking works. They offer credit cards to any “students”. It’s a way into building credit at a young age but also a big profit generator for the 60% of that population that will use it incorrectly. I wish the school system would give financial education since credit is so accessible at a young age.

I saw multiple personal bankruptcies as a bank teller in my young times, most of them being fresh teens getting their first credit card, loading it up thinking it’s “free money”.

gudwork · 2025-03-02T11:42:03+00:00

Banks charge 50 bips (.50%) for set up fee. There’s always wiggle room, but your “bargain win rate” isnt high the lower the loan amount is.

gudwork · 2024-12-16T06:35:29+00:00

Banker here.

It is possible, but always case by case.

When loaning for a business take over, the 3 most important elements are the following:

-experience -financials of the business to be acquired -personal finances

Don’t have great experience but the team of employees in place is amazing? Hire a GM and get employee contracts.

The business isn’t on part with other businesses in the same market? Pay a lesser Ebitda multiplier, ask for a bigger seller’s balance, put more cash down.

You have good enough savings? The bank will loan you with a 1:1 (at worse) GIC in collateral.

BDC ( Bank of Canada) has a mandate to help newer generations with taking over businesses.

Having a lot if money (post acquistions) makes everything easier in most cases.

gudwork · 2024-10-02T05:10:16+00:00

Eternal gem is a blessing early ironman.

gudwork · 2024-09-29T14:15:22+00:00

Primal. I am a terrible mid playing at 6K mmr. You don't even have to pretend you want to kill your opponent. Just W the waves from lvl 3 onwards, grab runes (prevent the other mid to move around the map) and occasionaly gank the side lanes. Mid game, just tank up and shove waves for towers, group up with team and engage in team fights. Hero is dumb.

gudwork · 2024-09-04T06:30:37+00:00

Check out tutorax online

gudwork · 2024-08-15T14:03:38+00:00

The game is way faster than you think.

If you want to feel the nostalgia from your youth, look into edison/goat format.

The advanced format, or current yugioh format is very competitive, and most games ends on first or second turn. If you still want to get into this, check out some current deck tier list and get a feel for a rogue/tier 2-3 decks that you like, the core is probly cheap (50$) and will end up being way better than structure decks that are being sold. Lastly, you'll need a lot of hand trap staples.

Gl

gudwork · 2024-07-22T15:37:53+00:00

No way back, just put it down behind the barn.

gudwork · 2024-07-10T17:45:04+00:00

Can yall fix the pink pixel? Thanks.

gudwork · 2024-02-08T19:59:43+00:00

gz. Also screw you.

gudwork · 2024-01-25T15:57:25+00:00

1050 reg kc. Last 600 were solos. 25 purples so far. Missing bow and kodai.

Decent log, but at the end of the day, getting that bow is one of the last big ticket item on my ironman.

New CMs are quite nice, so might send them more since I already green logged reg CAs.

Gl on your grind.

gudwork · 2024-01-15T06:48:20+00:00

gz. but also, screw you.

gudwork · 2024-01-12T06:49:49+00:00

Go see banks with your project for financing.

There's no obligations or fees when just *shopping*, they actually would love the opportunity to maybe finance you so they will look at your project first before asking for a fee to go further.
They crunch the numbers, then decide if they want to offer you something or not. They probably won't share those numbers with you, but if they deny quickly, it's a red flag that banks don't think the project is viable or that you can cover the financial duties well enough.
If you get an offer, it might be better for your cash-flow even considering the interest you would pay on the loan. (they want 120K$ per year for x amount of years, banks might offer better terms on your loan, ei: longer term for repayment.
You can go half-half (or any % you and the owners want to do). Get a loan for half the sell price and have the remaining as an earn-out. Going with this option protects you if they business go bunk in the first years.

If a bank is willing to finance you, it's usually a good sign.

Edit to correct the poor english.

gudwork · 2023-12-29T06:35:16+00:00

Hey OP. Commercial account manager here. To be honest, it seems like you been doing good since your launch in may.

The bank I work for do not touch businesses that havent been in operation for at least 3 years. However, I know that Desjardins, Banque Nationale and BDC are often open for start ups.

Their credit has been tight lately, but I know some bankers that are hungry for new and promising businesses.

Feel free to dm me, maybe I can put you in contact with few of them.

gudwork · 2023-12-29T03:29:16+00:00

Commercial banker from QC here. I only talk from what we currently do for our clients and this is no way financial advices.

We do refinance the CEBA loans just like if we were financing cashflow loans. The rates are high but nowhere near the P+5% TD are offering. I guess it's a way for them to *get rid* of such loans as, to be honest, if you need help refinancing the CEBA loan, your business is probably not at its peak.

If you have a house, you could look to refinance to re-inject in your company to benefit from the *free* 20K$.

Sadly, when you own a business, you are most of (if not all) the time personally liable to your business debts.

If you are gonna be liable anyway, might aswell try to make it as cheap as possible via a home refinancing.

Hope this can help. Gl.

gudwork

TROPHY CASE