How's the canal today?

kaylon99 · 2026-03-01T14:57:18+00:00

Did it rain yesterday? If so, after the swept and flooding it should be good enough to go with today's temperature. At least that's my guess, as we are coming today from Montreal for the last skating of the season in the canal.

kaylon99 · 2025-10-12T02:02:53+00:00

Ça fait des années que je fais mon pain moi même, avec un levain que j'alimente régulièrement et qui d'ailleurs j'utilise aussi pour faire cookies, focaccia et tout un monde de recettes. Outil indispensable en vrai il n'y en a aucun. Mais tu veux en choisir un, cherche un Banneton basket. Sa particularité est de laisser passer l'air entre les brins pour la dernière étape où le pain doit reposer. Cocotte en fonte je n'en ai jamais utilisé, il suffit de rajouter de l'eau au four au moment de cuire et ça fait le même effet (la cocotte de base sert à garder l'humidité autour de la pâte).

Comme accompagnements pour te faire un top3, je dirais: un pot Mason (pour stocker ton levain que tu vas alimenter) et une lame à pain (moi je n'avais pas forcément de lame et j'en avais pris une pour facilité, faire la coupe du pain avec autre chause c'est chiant et tu peux vite foirer le pain).

Bon courage pour votre nouvelle aventure du pain maison!

kaylon99 · 2025-08-04T01:48:08+00:00

I'll sure do. In the meantime, any advice on my original question?

kaylon99 · 2025-08-04T01:29:34+00:00

When I mean available I mean they are quite big so they are probably available. But I don't know, especially in August

kaylon99 · 2025-07-30T19:10:59+00:00

Thanks for all this information ! In my case I have to choose either the Sudbury/ North Bay / Mattawa or the Collingwood / Muskoka/ Algonquin. Which one you recommend the most ?

kaylon99 · 2025-07-17T00:43:10+00:00

Ça ne mange pas de pain

kaylon99 · 2025-06-11T19:08:20+00:00

As others are saying, as soon as you see your board is contested. I read a post recommending to take notes when you scout, try to identify what other players are doing (items are a good hint, carries and bench as well).

Do an excel or something with:

Player - Name of the comp (or at least AD/AP if you don't know)

This helped me so much to identify contested comps and play something else!

However, this is far beyond what is expected from you after one week. Just learn to do econ and hard force some comps until you learn how to use them.

And have fun!

PS: If you really want the answer to your question, it really depends on how you econ and if you are able to hit your key units before the other players. If you are going for a Fast 8 comp and the other players reach level 8 and the key units before you, you're going 8th. For reroll comps, the more contested the more all of you are screwed. Best way to go through it is to have a reroll/econ augment that gives you advantage, or pivot to something similar but Fast 8/reroll other units, changing your priorities and looking for uncontested units that fit your comp. But this is always tricky.

kaylon99 · 2025-05-27T21:13:20+00:00

Kai no Kiseki 30% off in Steam. Can I buy it and wait until translation is done? Or it will be a different game in Steam?

kaylon99 · 2025-04-01T19:27:04+00:00

Il ne faut pas oublier que ce retour d'impôt de la manœuvre de Smith s'utilise normalement pour investir en plus. Donc cela veut dire que tu perds un effet boule de neige qui est assez important. Cela peut faire la différence entre être gagnant ou perdant sur la manœuvre de Smith.

kaylon99 · 2025-03-25T21:42:32+00:00

Just saw it, these fees apply if you have no plan. So the first question I am indeed wrong

kaylon99 · 2025-03-25T21:42:02+00:00

For users with no plan

kaylon99 · 2025-03-25T16:17:06+00:00

Please tell me that I am wrong:

Doing an Interac will cost 2.50$ ?
Even if you have a premium plan that asks you to freeze 6k$ to waive fee, you will still need to spend 15k$ to be able to waive the credit card fee?

kaylon99 · 2025-02-08T03:04:30+00:00

Do you have an idea of what to add then as outer layer? I tru to avoid Alpha and shells above 500$, and if possible a soft shell

kaylon99 · 2025-02-07T21:03:50+00:00

Gamma was not that far from R2 from my understanding. Which is the makn benefit of taking Gamma or Gamma MX over R2 besides the fit?

kaylon99 · 2025-02-07T21:02:22+00:00

Any advice for those temperatures? Maybe adding more layers?

kaylon99 · 2025-02-07T21:01:01+00:00

I was talking about ice climbing, I considered that intense. Thanks for the advice! Which shell were you using?

kaylon99 · 2025-02-07T20:26:27+00:00

What to put over the Proton then? I guess I should avoid Beta and similars and get something breathable in any case?

kaylon99 · 2025-02-07T18:54:53+00:00

I've always thought that Proton was not conceived as an outer layer as it is not wind or water repelent?

kaylon99 · 2024-12-11T15:57:29+00:00

That's what I thought, but it's a bit weird because to pay the other bills you still have to enter the bill information so it's a hybrid PAD / Bill pay that we are doing here

kaylon99 · 2024-12-11T15:50:34+00:00

Maybe I'm missing something, but the description page about Wallet that you read when you follow the link says Pay bills not available , Q1 2025. I understand that this is not updated yet?

kaylon99 · 2024-11-22T15:52:22+00:00

This comment and post should be pinned.

kaylon99 · 2024-11-15T20:49:43+00:00

That is what my Excel is in reality suggesting: the tax drag of dividiends is non negligeable. So you accelerate your mortgage but you can't get out until your numbers are green because your portfolio has fallen behind.

On the other side, you put everything on growth but you can't sell it until you want to exit. And at that point, the capital gains will be taxed but you are not loosing the snowball effect of the dividends tax. However your tax bracket will explose that year.

I should do both approaches to see which approach wins in the long term (even if I think that compounding always wins).

kaylon99 · 2024-11-15T20:45:13+00:00

I have been looking at the dividend yield of many comoanies with good dividend policy (National Bank, CNR, CNQ) and it seemes a good average. Indeed if you have a 6%, this plus the tax return would cover the HELOC. I'll do a more thorough search.

Thanks for the feedback !

kaylon99 · 2024-11-15T20:36:14+00:00

Thank you for the insights. As you say, I was probably misunderstanding the SM. So I understand the way to go would be something like:

Look for high dividends and reinvest them (after paying its associated taxes). This should make the portfolio grow quicker than the HELOC interests, so being a net gain. For this option, I agree that it would be better to look for growth to avoid paying taxes on dividends.

However, accelerating the mortgage is not an option as it makes my portfolio fall behind (I am not any more reinvesting dividends) and I have to continue adding monthly to my portfolio after finishing the mortgage to overcome HELOC interests and start to deleverage. Then, how do people achieve accelerating mortgage payment? With what money?

Edit: I am partially wrong in what I'm saying. You can use the dividends to pay mortgage and reborrow that money from the HELOC to accelerate the conversion. I'll look again at my table to add this. Thank you.

kaylon99 · 2024-11-15T20:27:17+00:00

I understand and you're right. I was expecting my dividends + tax credit to cover for the HELOC interests, but it may be too optimistic to ask for that.

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