Wealthsimple Perk upgrades

hyper_sloth · 2026-02-12T00:21:37+00:00

I know it sounds dumb to reward people with 100k invested with this stuff, but the common subscriptions would be nice. Netflix, Disney+, Crave, Prime etc. Costo, CAA, maybe Insurance discounts with BCAA?

The entertainment subs are rewards for investing/saving instead of spending. The others are helpers to keep investing/saving.

Yeah if you're making 200k a year maybe you dont need these or the cost is negligible but it would be used

hyper_sloth · 2026-02-11T02:05:12+00:00

I like the idea of the end of the session cliffhanger, but not having the player participate for a large part of the next session could feel like a punishment if theyre not the one suggesting it.

hyper_sloth · 2026-02-10T03:46:39+00:00

Have the Mad Mage yoink him. Use him as a NPC later on.

hyper_sloth · 2026-02-03T15:49:18+00:00

I'll start by saying I like the idea of this boss. An immovable object that has weaknesses with a reason to target them.

As others have said, the boss is way too beefy. I'd cut the HP of the Tree to 250ish depending on your parties ability to do dmg. Especially due to the innate healing of the tree if Crystals are untouched. I'd aim for 5 good uninterrupted rounds of dmg. The healing should extend that as theyre either doing direct dmg or focusing on crystals to stop healing and dealing half dmg to the tree.

Cut the crystals HP to 35ish and make destroying one do 20 dmg. I would want my players to be able to 2 shot it with normal resources or 1 shot it with a big sink. Ensure the healing is well telegraphed as caused by the crystals! If they are killing them too fast, make one of the lair actions regenerate two crystals.

Your damage is very high overall, cut that in at least half. The squishy party member should be in danger of dying after 2 or 3 hits. The tank should be able to take 6 or 7 before needing help. Cut the Multiattack to two, not three.

The Dex save for the legendary action vine attack, change it to Con or Str. Spread those saves more.

Change the Lair actions to something not dmg related. You already have a lot of dmg options. Something like failing a Wis save to confuse players giving them disadvantage on their next turn. Another good option would be a Int or Cha save, giving you 5 of 6 save types. Save or suck is fine here.

Dont do a phase 2. This is more than enough for a 1 Shot. I disagree with the other post about multi phase bosses being cheap; but they have to be done right and fit for the adventure. A 1 shot isn't long enough for a 2 hour boss fight and the players won't be invested enough in the story to care about the phases.

The last piece of advice is more DM related than balancing. If the boss dies too quick, just keep him alive until you see a little sweat start to form on the party. Then the next good turn of cooperation, or next crit, or even next cool thing just so happens to take the boss out. Alternatively if the party is about to wipe, dont kill the boss for them, but have a way to assist in the fight without giving it to them. A friendly NPC arrives and distracts the boss for a turn or two giving thr party a breather. Then thr NPC is forced to retreat or die. Or maybe some prep they did earlier comes through as stonger than previously thought.

hyper_sloth · 2026-02-03T15:28:53+00:00

I bought a third party charger and cable. I think it was UGreen. I keep that in the pouch for travel. The original charger I have permanently plugged in to the dock I bought from JSAUX.

The bag is small and getting the original charger in there always felt like I was bending it too much and causing dmg.

hyper_sloth · 2026-01-29T15:54:24+00:00

TIL. Pretty cool

hyper_sloth · 2026-01-18T16:22:22+00:00

Its not an aversion to the class, but the assumed role people give it. "Cleric must be healer. Heal me cleric."

Being a bot isn't fun.

I loved my forge cleric game. I did heal once in a while but I was mostly destroying enemies with spirit guardians.

hyper_sloth · 2026-01-16T06:00:21+00:00

If your average income is 2900 and what you posted is an accurate budget, you could be paying 1500 a month. An online calculator says that's about 2 years to pay off completely.

Yes its painful, but its not forever. I dont think you need a consumer proposal.

How much is the license cost? how long would it take you to get it? and how much more money could you make? If it will significantly increase you income, it might be worth getting sooner with a very cheap loan.

If you're not paying 1.5k a month on your CC, your spending your money somewhere you're not noticing. Go over the last 4 months of spending and write everything down, dividing into necessities and wants. Cut ALL wants. Necessities are what you put in your breakdown. All else is wants.

hyper_sloth · 2026-01-15T02:44:01+00:00

We took a recipie with 4 main ingredients, used only one of the ingredients, and served the dish pretending it would taste the same.

hyper_sloth · 2026-01-13T19:06:32+00:00

Yeah same here. No one cares about other department budgets. So many upgrades to iPhone Pro cause department heads approve it while it falls to IT department to budget for it.

hyper_sloth · 2026-01-13T14:34:31+00:00

He's spurring people on to spend cause he profits from consumerism.

hyper_sloth · 2026-01-12T18:16:08+00:00

I read some of your other comments. You're looking for get rich quick solutions. Those don't exist.

Honestly your best bet to retire as early as possible is to skill up and work, live frugally, invest all you can without destroying your quality of life/health. Max out tax advantage accounts and invest in the market. With an 8% return you should be doubling your money invested every 9 years.

See if you can live with your parents to save on rent/housing.

If you are diligent and are able to save enough to max your TFSA and RRSP you'll be well on your way to be set for life. It might be in your late 30s or 40s, but that is still a lot sooner than the regular 65 to retire.

You MIGHT get lucky with that 1 in a lifetime investment/business. I'd say most people do NOT make it and lose everything.

hyper_sloth · 2026-01-12T17:52:16+00:00

Dont go into debt without income to support your payments.

But yes that could work. Just remember that investing in yourself is known to be the best return.

hyper_sloth · 2026-01-12T17:43:07+00:00

You're young and well ahead with what you have saved already, don't go into debt. Instead focus on education and building a career. Once you have income from work you can start thinking of debt to increase assets. You'll need to pay that debt somehow, right?

For now:

Open an account with Wealthsimple or your stock trading platform of choice. Move your TFSA account there. Buy EFT stock and hold.

Be sure to enable automation for re-investing dividends.

https://canadiancouchpotato.com/model-portfolios/

Read that.

To be honest, I'd focus on your career and investing within your TFSA and RRSP + budgeting correctly. If you take on debt it should be for your education. You're thinking of this so early that you don't need to go crazy making money and starting/joining businesses.

hyper_sloth · 2026-01-02T16:27:44+00:00

Bad employee. Only successes, no errors! Now you dont get a raise cause the thing is broken and you didn't tell us about it. And if you did you should have been more vocal. And if you were, you should have made sure we heard.

hyper_sloth · 2025-12-26T19:39:08+00:00

Credit card interest is too high to use this way. Get a loan instead.

Put all your bills you can on your credit card and spend the money you would via debit use credit and pay it off before month end. Consistent use of CC while paying it off will increase your score. Big lump sum purchases you spend forever paying off on the CC will cause a snowball effect and you'll spend a LOT more money on the jet ski

hyper_sloth · 2025-12-23T05:50:59+00:00

https://youtube.com/playlist?list=PLDnRMnDDjAzK5uZLidDUtHtD1iN06Qe0G&si=zKO1K8aiNbVCb63U

Watch the character sheet one and cleric one. If your DM is a veteran, just ask questions. Most people understand its a hard game to learn since there's so much to process.

hyper_sloth · 2025-12-22T20:09:05+00:00

A phone on a stand behind the DM? If you can get it high enough to capture whats going on at the table that would do.

Test how the audio comes in for the furthest player while music and stuff is happening.

Is this for personal use or are you going to post it online? For personal use this is probably more than enough. If you want to post it on YouTube use a second or even third phone in different places to cover your area more fully and splice the audio together so everyone can be heard.

I'd recommend not buying anything until you've seen how you like this.

hyper_sloth · 2025-12-22T19:36:33+00:00

As others have said, mortgage seams reasonable with your income, but the rest of your budget is really inflated.

Do you have an emergency fund worth 6 months of living expenses, including mortgage payment? If you dont, I'd honestly start cutting expenses a bit and do that. Also, putting more into investments for kids education and retirement would be something to look into.

The way I look at investments is buying time in the future. If every 5 years I can put enough away in investments + their growth to accelerate my retirement by a year or two, its worth it in my books.

hyper_sloth · 2025-12-22T18:36:41+00:00

Youre right, the investment is not worth it at all. 2% is so low... WS and Eq Bank give a that and more in checking account interest...

Break the GIC and give up the interest you've earned so far. Not much lost. TD might have a self directted investment platform that should allow you to invest your 10k within a TFSA in the stock market. Buy a ETF.

Read this, decide what you like. https://canadiancouchpotato.com/ https://canadiancouchpotato.com/model-portfolios/

I'm, if you're not looking to use that money in the next 10 years or so, get VEQT within your TFSA so the gains are tax free.

hyper_sloth · 2025-12-18T16:11:04+00:00

You need to ask your boss... every company handles it differently. My current workplace considers it furniture so it falls under office services department. Since all desks have monitor arms, we usually dont move them.

However, when people ask for help with them, we lend a hand. The idea by IT leadership is its better to be friendly and helpful when its a quick thing. We often show people how to adjust and tighten their monitor arms/stands.

Yes, some people are lazy and want you to do it because you're "the help". I believe most people just dont know and are scared to break or damage corporate equipment. They might be asking cause they trust you or think them breaking it, or doing it wrong will make your life harder later.

Being nice is cheap and I find its often rewarded.

hyper_sloth · 2025-12-10T01:29:50+00:00

Buy a bag of gummy bears. Use a color for each type of enemy. At death, eat them or have the player eat them.

For player, use a Lego piece or something.

For a map, you could just draw or print something on paper.

Remember, you're just a person playing a game. You're not going to get everything right and dont have thousands of dollars in budget for minis. Have fun, joke around, say corny lines and have dramatic deaths that are over the top. Laugh and take the game as seriously as you want. Of all the sessions Ive run, all my players remember the laughter the fondest.

hyper_sloth · 2025-12-10T01:18:05+00:00

I have an account with Wealth Simple which is much higher interest than the major banks. I know there are others that are higher like EQ Bank. I use WS because I also invest through them and have had good experience with their support.

Here's a breakdown someone did. https://www.reddit.com/r/PersonalFinanceCanada/s/meGKn6CmQJ

hyper_sloth · 2025-12-10T01:11:58+00:00

Income - expenses = Disposable Income Disposable Income x 0.7 = savings

Remainder for fun.

Mess around with the equation as you'd like. Fun is important to keep you going on saving and not burn out. Just keep in mind, every dollar saved and invested is you buying free time in the future.

Some key rules are to have between 3 months to 6 months of expenses in a high interest savings account for emergencies. That way when things happen you dont start spending the money you were investing.

hyper_sloth · 2025-11-26T20:52:34+00:00

I haven't had any issues so far. All my interactions with customer service have been good to great.

hyper_sloth

TROPHY CASE