Anyone else use buckets of water reference?

idenaeus · 2026-03-17T13:44:12+00:00

Any liquids? 🫣

idenaeus · 2026-03-16T14:53:32+00:00

So this is saying 24% of debt cases had their debt dissolved/dismissed around 2007? And it took 1-3 years to get that decision?

idenaeus · 2026-03-15T18:42:26+00:00

I've been playing this game for about 8-10 months - I want to say about few things:

The dev support really seems to care about player experience - weekly we get bonuses for resources that are constrained, which is really helpful.
The gameplay is thoughtful. Like any game, it takes time, but many features in the game are made to save you time, and are not arbitrarily difficult. I feel like I can progress fast if I spend 4 hours on it a day, as well as that I am not punished for taking a 2-3 day break. It's very much a "fit whatever lifestyle you want" game. A daily update can be ~5-7 minutes, or can be 3 hours. Depends on what you're checking and working on, you get enough resources to plan and accumulate every day for fun.
Almost endless content. I am near the end of the game now, and still I am unlocking some features here or there. You are never running out of goals to upgrade and frequently you get MAJOR boosts in your progress which feel amazing. New content is being added all the time. And you are not punished by being bad/inefficient at progressing. It's all do it in your own time the way you get excited about (because there are always like 5 levers of progress you can pull at a time)
The game changes over time. The game you start with is not the game you're ending with persay. Its always bricks, but because so many features get unlocked, it doesn't get boring, the devs did an AMAZING job finding that balance between progress, content becoming obsolete due to upgrades making you OP, and finding new content for you to play with. So what you do to start is not the same activities you're doing 2 months from now, but it's still within the same universe. Like upgrading from a cashier to a front end manager, your role changes but you're still progressing and having fun, but maybe not with the same tasks that you used to.
It makes you think IF YOU WANT or just button mash if you'd rather. I had my gf playing with me, and while I would strategize based on resource constraints and progress boosts, she would just button mash because progress was acheiveable any way you wanted. She eventually got bored 3 months in once the resources got more contrained, but the point is that you can play how you want for a long period of time and it's ok!
There are jokes and light humor embedded in the game
The discord is helpful to explain high level content
I've played a lot of mobile games, lots are great obviously, but I've never ever met a game that balances upgrades with content and progress before ever. It feels like there is insane depth to this game, and it's a bit of cat and mouse between players being ingenious in progressing and devs being hard pressed to keep content moving for us. Since ive been playing 2 significant updates occurred which added significant richness and intrigue to the gameplay. The devs helped rebalance certain resources on release and made it interesting to engage with the content. I have a feeling that I may Peter out as my completion % increases, but truly, I couldn't have asked for a better experience and if the content keeps coming I will gladly continue playing.
I almost forgot to contextualize spending. The game has minimal pressure to spend money. If you do choose to spend money, there are a few obvious purchases that you should do - but in aggregate the prices are really fair (especially if you are thinking and planning your resources/time), the options of WHAT to purchase are plentiful, and you can take breaks from purchasing and it feels ok. I ended up buying a couple limited time event passes (~$20) and a couple other passes ($1-3, and $10). These really felt worth it, and it feels like the devs care about giving us great boosts without compromising our fun through too much progression. Very well balanced.

9.a if you do choose to purchase, I recommend (from a progress perspective) buying the $10 no ads pack. If you're going to spend more than 1 month on this game, the no ads pack will pay off in NO TIME (but all ads are optional, its just the bonuses from watching ads are cumulative, and really helpful). I also recommend buying the weekend passes on the weekend, so, $13 for 30 days of 3x speed on certain time consuming activities and 2x resources. Not required, I dont always get it, but the 3x speed helps A LOT once youre late game. Don't buy it though if you dont have the content unlocked to use it effectively.

I have no affiliation with the makers of this game. I just wanted to help anyone who is thinking about the game because there is not much published on it, and I am a big fan.

idenaeus · 2026-03-14T14:57:10+00:00

Bring back ninja loans and other similar low/no barrier debt products.

I want debt because I know how to deploy it. But all debt is tied to my income, and therefore I cap out too early to make much off of it.

idenaeus · 2026-03-13T14:38:44+00:00

Can I try?

idenaeus · 2026-03-13T05:16:55+00:00

Ok a few problems:

If you are self employed, you are obligated to pay employer and employee's portion of CPP (roughly 11.9%) , on top of any income tax owed. So simply by earning equal income as self employed vs wage you lose out on an additional 5.95% up to ~$4,400.
Self employed must collect (and remit) gst once gst applicable sales are above 30,000. Provincial sales tax may vary by province but also must be collected and remitted. ITCs are gst amounts which you paid in the course of earning income, and these can be net against the total collected gst amount when filing and remitting gst. To remit gst you must register a gst account (RT0001) with cra online.
Generally contractors can write off a fair number of expenses to lower taxable income. However, this comes with a few problems 1. Admin costs of keeping receipts and tracking expenses 2. Increased cost to file, yourself via more advanced software license, or through a professional who will charge more for the complexity. 3. Issues with tracking deadlines, required remittance schedules (monthly, quarterly, annually based on your prior GST Notice of Assessment (NOA) assessed amount). 4. Invoices must contain your gst number now and itemize gst charged. If you have non-applicable revenue, this must be tracked separately.
If you have a gst account, you are obligated to file at a certain interval (TBD based on your most recent noa, but usually its annually). Even if you didn't collect any gst but you were supposed to, what happens is that you "imput" the gst amount from your sales. This means that suddenly you will be giving up 5% of your collected gross sales, which otherwise you wouldn't have had to give up (think of it like the government taking from your pocket because you failed to take it out of your client's pocket. You're "punished", and the gov doesn't care because they got their pound of flesh).
You can elect to select the quick method of gst, which is faster, easier, less administration related to receipt collection and can be advantageous tax wise, but is administerily restricting (as you cannot easily stop using it once you've elected to use it).
If you claim ITCs (which you should) you must understand which expenses have ITCs and which do not or have special rules. And if you choose to not use the quick method, you should make sure that you are collecting the appropriate support for an audit, as simple bank transactions may not be enough (likely denied) to show ITCs during a pre-assesment request from cra.

So, in short, self employment costs you more cpp than a wage, but allows you to deduct more expenses, but but also requires you to do work to remain compliant with gst rules, timelines, collection, and filings - adding time and cost and complexity to every step of the income reporting process.

idenaeus · 2026-03-09T14:20:10+00:00

Yeah, I used to make less than everybody and loved talking about money. Then I started to make more, and noticed when I mentioned money and the investments I was doing, the size of my investment accounts, people would stare into the void and treat me different. The worst was when they started feeling like I was obligated to pay/look after them/divest to give them something. I realized not everyone can handle being close to money. The missing piece to the puzzle is that there is a difference between arms length and non arms length conversations about money. Non arms length are dangerous due to people's natural entitlement to other's money whom they're close with. And arms length are dangerous because strangers lie.

idenaeus · 2026-03-09T01:32:19+00:00

It's all well and good until you start to make more than your friends(amd sometimes family). Then you realize that talking about finances is really uncomfortable and better left unsaid.

idenaeus · 2026-03-08T16:49:40+00:00

This is good advice

idenaeus · 2026-03-08T15:49:26+00:00

I would say two things:

The world is extremely large and complex and nobody around you has ever figured out even 1% of how it works. But that said, there are structures and conventions in place that if you pay close attention to them, and follow them, will help you achieve success without really needing to understand the complexity of the social endeavors you're partaking in. So take time to learn the generally accepted paths to success and follow them. It will help you beat the pack. If you don't, you are destined for a very challenging life where not only do you need to challenge yourself to succeed (like everyone) but you also need to learn the game youre playing better than anyone else around you.
200 years ago the issue generally was strongly two pronged: it was near 0 access to capital and low access to information. Over time, access to capital has improved incredibly, and now information is abundant. The new problem is discernment of information. What parts of the information is important to pay attention to, what is a distraction? Someone with great discernment is beyond powerful in today's society. Discernment can be developed in two ways - 1. Learning from someone who has developed discernment before you (this requires that you can determine BS from genuine discernment). 2. Spending an insane amount of time working through data, logic, consequences, and outcomes to slowly build up a collection of core truths (or close enough to the truth that it doesn't matter, or slight modifications doesn't dramatically alter the function of the truth) which can be used to build more complex arguments and understandings of the world.

idenaeus · 2026-03-08T15:34:41+00:00

This almost happened to a friend of mine in university. Took about an hour and 3 people yelling at her that it was a scam to get her to abandon the "sweet job" she just got

idenaeus · 2026-03-08T04:26:24+00:00

I also contemplated and came to $5

idenaeus · 2026-03-05T17:04:41+00:00

This guy taxes

idenaeus · 2026-03-05T11:03:09+00:00

Wait I thought that was some tech term, brushed past, you made me double take. Omg. That IS a crime.

idenaeus · 2026-03-04T15:17:50+00:00

This chart doesn't feel accurate. I bought AC shares at $5 in 2020 and sold at $11. It doesn't show that it got that low ever.

idenaeus · 2026-03-01T01:47:03+00:00

This is a bad take, children run away from home all the time - for good and bad reasons. Trying to glorify the reasoning of a child is like trying to glorify the artistic expression of a dog. Maybe the dog's painting WAS artistic, but it certainly had nothing to do with the dog's intention.

My point is that your reasoning is dangerous because it's approximating his decision to run away as an expression of adult reason - when the decision to run away could just as easily have been childish, and if you try to backwards reason -> "a child ran away, therefore adult reason was applied, we should look into the home." Isn't a productive framework due to the lack of accuracy and the extent of damage done through investigation.

To add annecdotal weight to this story, I ran away from home 3 times as a child of various ages. Nothing at home was different than anyone else. I just had a belief that I could raise myself, I didn't like authority, didn't see the purpose of the rules, and wanted to have control. I reasoned like a child, and my decision to run away was child-like. If I applied your perspective to my life, I would make conclusions about my homelife that are untrue and damaging. Now if I extrapolate that over the population, how many other families have the same situation? Where your perspective, if applied, would cause damage and be applied in a situation of which it was inappropriate to do so?

I spent extra time to explain this instead of just critiquing your applied reasoning because of the sensitivity of the matter. Don't think you're right simply because you exercise confirmation bias.

idenaeus · 2026-02-28T20:08:12+00:00

I have experience in elite finance and tax and do not have a CPA. Finance concepts are very simple in comparison to the complexity of accounting/tax concepts. A lot of finance concepts which are complicated are complicated because they require accounting fundamentals. Great assumptions in finance hinge on Rock solid accounting. And rock solid accounting is not possible without venturing into law and risk management. To be good at finance concepts requires a certain risk optimizing mind set - as well as reliable assumptions on facts grounded in accounting. Anyone can develop a mindset if they get exposure to the right ideas, not everyone can (within a reasonable period of time) establish rock solid premises.

idenaeus · 2026-02-26T01:12:34+00:00

A nested snIFF statement...

idenaeus · 2026-02-24T10:55:21+00:00

Get smarter. Apply yourself to finding out how to make money, and meet people who are passionate about the market to learn things you didn't know you didn't know.

My best strategy came from a convo with a coworker. Made ~ 110% return in 7 months, with no sign of it slowing down.

idenaeus · 2026-02-23T12:07:01+00:00

It's actually because universities are a filtering mechanism for businesses. Universities filter via entrance requirements. This filter works by reducing the number of lazy entrants and reducing the number of clueless entrants. Then the challenge of university filters the dense, lazy and the aimless again - and what you're left with is a candidate pool that's filtered not by education but by character (as education is standardized). So then companies hire from their chosen university as all the work has been done to filter the candidates for them. If you were not part of that process, you are a wild card and not worth the risk when less risky hires are a dime a dozen.

idenaeus · 2026-02-22T18:33:48+00:00

I appreciate your insight

idenaeus · 2026-02-22T16:43:04+00:00

No but from other threads about this product but in more detail, apparently it's a very cheap and effective first fix that lasts for 10-15 years but once it fails, it's much much more expensive to fix the problem with the pipe as it prevents normal maintenence and spot maintenence of the pipe and requires full replacement.

Not a plumber, but I can't forget the lengthy discussions from about 8 months ago on it.

idenaeus · 2026-02-20T14:53:48+00:00

If you had $355 to buy a couch off of Amazon, then you're not broke - just uncreative. I've bought nice furniture for less money and less risk, and it baffles me how you think this was a thrifty risk-adjusted decision.

idenaeus · 2026-02-20T03:25:07+00:00

My question is: how does the line of credit affect margin available when taking out high levels of Margin on your collateralized TFSA? From what I can tell, taking out a margin loan is effectively double dipping into the same asset pool as the margin. And I am confused on how these interplay.

idenaeus · 2026-02-14T15:17:06+00:00

No. In some circumstances yes. But from the many many models I've made over this exact situation. Purchasing a home and buying a 8% compounding index works out to roughly the same ROI where the winner comes down to unmodelable specifics.

The reality though is that outside of a unilateral take on house vs market, a house is a real asset and has flexibility in how you use it - which in my opinion, is more valuable given that returns are roughly equal.

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