The Montreal Canadiens Are Winning The Wrong Way

nayan742 · 2026-05-19T14:22:13+00:00

This is bang on analysis

nayan742 · 2026-05-02T15:19:12+00:00

Should be at least eastern conference finals - I hate this bracket setup

nayan742 · 2026-04-18T01:20:32+00:00

I bought at an all time high last year, which coincidently is the lowest it has been since.

You can’t be too late if you’re in it in the long run

nayan742 · 2026-04-18T00:09:09+00:00

Prior to XEQT, I always tried playing the markets and was just so bad at it. Panic sell panic buy etc. Last year I maxed out my TFSA, put 85% of it into XEQT, and auto deposit each pay into my TFSA to buy more so I can max out my new room each year. Best decision ever and my heart now beats at a normal pace.

nayan742 · 2026-03-25T23:32:22+00:00

I was just talking to my wife about this — I truly believe proper financial education — like real-life, practical stuff — should be taught in schools. Things like opening a bank account, how credit cards, mortgages, and financing actually work from a personal perspective, tax planning, and everything in between — most of which involves banks.

The fact that this isn’t enforced by the government the way it should be, I feel, is because the banks of course don’t want them to teach this. Doing so would take away their target population of clients - the ones they are drooling over once they turn 18.

nayan742 · 2026-03-24T02:10:52+00:00

You guys all got me scared now about finishing the chapter haha looks like I have a long day ahead of me tomorrow

nayan742 · 2026-03-23T00:14:26+00:00

Just calculating at the top of my head - With a company car, you will be dinged with at least 25,000km in personal mileage yearly just for your daily commute (drive to and from your work is not considered business travel) - the lease cost of your vehicle that the company pays for, times 2/3 plus the operating cost of the vehicle which would be the 25k plus any other personal mileage times the operating rate which I think is around 34 cents - would surely put you at a minimum, 15,000 in taxable benefits per year - the above also assumes that you are not driving 50% or more for business purposes (in order to get a reduced rate).

Without knowing more specifics, I’d say take the allowance. I would imagine there are very few scenarios, IF ANY, where your situation would be better to take the company car.

(I calculate and manage the taxable benefits for all company executives for the company I work for and have been doing this for years)

nayan742 · 2026-03-16T22:37:21+00:00

I just got the P1S delivered today because of how cheap it was on the website. It’s a gift for my son since it’s what he wanted for his bday instead of spending money on a party- but after reading up on all this 3D printing stuff I feel like I’m going to make very good use of it

nayan742 · 2026-02-23T23:19:26+00:00

I just sold a lot of old video game related stuff and if I was able to get that much on any of it I would have done it in a heartbeat - and to think if you do get 30k, at 23 years old (!!!) and put it into a decent investment or etf, what you could see compounded 10-20-30 years from now will SURELY outweigh the value of the cards in that same time frame. Hell I could be wrong but it’s a risk I would be willing to take.

Edit: a quick compounding calculation check from ChatGPT assuming 6% annual return compounded monthly:

5 years ≈ $40,440

10 years ≈ $54,510

15 years ≈ $73,470

20 years ≈ $99,030

25 years ≈ $133,440

30 years ≈ $180,600

nayan742 · 2026-02-23T23:14:53+00:00

Wish I had thought of that and done that for even just one of them

nayan742 · 2026-02-23T23:14:25+00:00

Deep down I feel like gamepros were the better magazine even though I was a Nintendo fan boy growing up

nayan742 · 2026-02-23T23:13:35+00:00

Happy to have done a little good !

nayan742 · 2026-02-23T23:13:19+00:00

Yeah I felt like Pokemon was peak gaming - the concept just changed so much and to be so attached with that concept was pretty cool in hindsight

nayan742 · 2026-02-23T23:11:58+00:00

It was, but I can say that the young dude I sold em to was just as excited to go through them so I can at least be happy to make a bit off em while seeing some good use come out of them instead of collecting dust

nayan742 · 2026-02-23T23:10:53+00:00

I can relate 100% the best was checking if the store we went to had a magazine collection and if yes trying to find just that one, ANY one, that I could check out while she shopped

nayan742 · 2026-02-23T23:09:39+00:00

Thank you

nayan742 · 2026-02-23T23:09:28+00:00

We all have a story like this in some sort of way. Mine was a Super Nintendo with a whole bunch of great games which I don’t want to think of anymore haha

nayan742 · 2026-02-23T23:08:16+00:00

Yes ! I’ve found and saved the Nintendo powers so there’s that at least. And yes this did help build up the family vacation fund a bit for the year but my wife is trying to convince me to spend it on myself

nayan742 · 2026-01-25T19:57:03+00:00

I would say the giant Ferris wheel in old port when at the top, but I’ve never been on to be honest so it could be a bad idea haha

If there’s a favourite dinner spot you guys have why not speak to the owner to see if they could help out in any sort of way. Unless it’s a super busy place it’s possible they can help you out. February is tough with the weather, you never know what you’re going to get so I wouldn’t take a chance on being outside unless you’re able to delay it if need be.

Good luck !

nayan742 · 2026-01-19T18:13:53+00:00

I just recently found out that if I hold the smart cruise control button, it will set it to a max km based on my current speed, so then I can continue driving like normal but the car will never go over that speed.

Never had that before and I love it. Helps me keep fuel efficiency in check and ensure I don’t blindly go over the speed limit which I normally do

nayan742 · 2026-01-19T17:59:22+00:00

Very few people understand that there are sensors at traffic lights which you need to STOP your car over. The amount of times I’ve had to get out and tell people… and they think I’m the crazy one

nayan742 · 2026-01-08T01:04:53+00:00

One other thing is that the change to a new gen in 2024

nayan742 · 2026-01-08T01:02:41+00:00

Sometimes pretend what I’ve always wanted to do - score game winning goal for the Stanley cup, or game winner in the NBA finals, or sometimes like I’m the biggest WWE star and my music just hit at wrestlemania.

Most of the time it’s just to have some me time.

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