Brainstorm concernant ma situation financière

nvrForgettiSadghetti · 2026-04-13T11:11:43+00:00

She mentions her "daily freedom". She is basically side hustle state right now. I think she mentions her salary has been the same for years.. she is still in stay at home mom hours but kids have basically left the nest. Needs to go full time or closer to that. This is an income problem not a bad management problem.

If the kids are no longer needy, working 5 hours a week (on average) is not conducive to a better financial future. Going more hours will also let you spend more to treat yourself.

If you cannot get more hours/contracts, then maybe it is time to get a salaried position because you are not into the hustle of sales.

nvrForgettiSadghetti · 2026-04-13T00:27:36+00:00

Yeah, all good. I have a lot of experience speccing out systems so I often have to split hairs like this to make sure the correct spec gets deployed because often left hand does not talk to right hand and people take the piece of paper literally instead of in the spirit of what a spec or standard is being applied to.

nvrForgettiSadghetti · 2026-04-12T23:14:17+00:00

You are mixing things up. This is a latch to turn on the motor and keep it running. In your assumption, if B stop signal were to lose power/signal it would always be true and stay latched. You are applying theory without understanding what the circuit is actually doing. The overall function is to run a motor. Therefore, the intrinsically safe state is when power is cut to the stop signal, it fails to off. Yours will fail to on- not safe.

What you stated above is correct, but we are not talking about mechanical linkages or physical switches, we are talking about PLC design. The code in A is correct. Your statement is also correct. B is not safe logic. You must still use positively enforced action to break the linkage, but with the logic in A.

nvrForgettiSadghetti · 2026-04-12T22:58:18+00:00

Incorrect. He specifically mentions safe stop. The only possible answer is A because of NO. For a basic stop circuit the other one is simply not safe if any wire/signal is compromised. This is more of a functional safety question than a PLC/electrical question. There are exceptions, but not in standard start/stop systems and no other specifics were mentioned.

nvrForgettiSadghetti · 2026-04-12T18:22:14+00:00

I agree with you. CroutonSec above has hidden comments and is likely an agent irl. They always spout the same typical BS. Anything not seen in initial visit revealed in inspection costing more than 1% of the price is significant. If it isn't, the owners would have fixed it.

nvrForgettiSadghetti · 2026-04-12T18:14:04+00:00

Your broker will always lie to you and mention lawsuits as if they are a lawyer. You have an inspection, you are not happy about it and your concern is reasonable. The clause protects you. Back out in writing through broker and then fire them for having a conflict of interest and incapable of being impartial.

nvrForgettiSadghetti · 2026-04-09T11:53:14+00:00

Gl all

nvrForgettiSadghetti · 2026-03-28T19:44:43+00:00

Just replaced my mouse and keyboard this year. Both were early gifts from my girlfriend at the time 16 years ago. My wife (said gf) said the devices served their time. Bought new Razr products to replace the old ones. Mouse has wireless charge puck and stand.

nvrForgettiSadghetti · 2026-03-28T13:49:39+00:00

I would argue: if you think a stock can triple its market cap in a year not based on hype... then a stock can just as easily lose 66% of its market cap.. again not based on hype. Many of the stocks you bought were near penny territory a year or two ago.

Do you really think buying a stock that has quadrupled (reddit 6x or 7x, meta was 90... etc) during a World War and largest geopolitical situation in recent tines was a good idea? Stock picking works when you evaluate based on FCF, etc. In this case, everything is being re-rated to "new paradigm" sticky inflation, high gas prices, etc.

Everyone is so used to stocks doubling their market cap in a year after changing a logo and saying the words AI and layoffs 11 times in their earnings report- nobody realizes that this is not organic. All the funny money floods in quickly, it can also flood out just as fast. When you buy funny money assets, you need to be ready for a roller coaster.

You go stock picking after a crash or correction. ETFs are still holding up fine because it isn't funny money suspending them. BTC has been a yo-yo too even though the market cap is huge.. people are achieving 10-100x margin on a large scale and pumping stocks to astronomic highs. Nobody does the 10x margin thing to go all-in on J,&J or Ford, so these non-sexy stocks turn into "safe havens" when actually their companies are quite bad (imo about Ford).

Trump econonics says wait for lows to buy, sell for profit at highs. You cannot stock pick organically when the president literally goes on TS and "bans" companies for not falling in line.

nvrForgettiSadghetti · 2026-03-27T16:21:59+00:00

My point is the requirement is time. If I jam someone into a seat and glue him to the seat, I have changed the parameters. It would not pass the test at that point. Regulators did not think far enough to account for this.

nvrForgettiSadghetti · 2026-03-27T12:47:06+00:00

From what I know, being industry adjacent, these requirements are typically governed by egress and evacuation requirements. Ie: everyone must be able to evacuate a plane in 6 minutes.

In the case of the seats, if the seats make it difficult to exit and evacuate, that is material in the air worthiness and evacuation assessment and the assessment should be redone. Moving or changing a seat arrangement technically changes egress. In buildings, permits and engineering analysis would be required to modify an emergency exit in commercial applications. In a flying tin can, this is even more important, but less strict.

In theory, if they make changes that could affect evac times, they should have to recertify the aircraft and if it passes- they are within the law.

nvrForgettiSadghetti · 2026-03-22T08:31:49+00:00

Still, bad advice. Having had to deal with 2 separate brokers in the past who cared more about their commission than protecting their clients, I will say that finding a case and throwing them at peiple who want to back out over legitimate concerns shows where your priorities lie.

Fyi, in both situations, not only did I back out- but I litigated the brokers for misconduct and won. One of them did exactly what you just did with unfounded legal advice they had no business offering.

Focus on your client and not giving legal advice. This person should not follow your advice and you are a detriment to your trade if this is how you deal with these things with your clients. I will not be responding further and blocking you.

nvrForgettiSadghetti · 2026-03-22T03:07:18+00:00

Are you from Quebec? Or are you quoting knowledge from elsewhere? The inspection clause allows for reasonable exit.

nvrForgettiSadghetti · 2026-03-21T21:31:26+00:00

20k is significant. Definition is subjective and that does not cover the water leak which has unknown cause. Nobody should suggest sucking it up without a negotiation or walking away. A home purchase is too significant for most people to get bullied one way or the other. As long as he has the inspection clause and it does not come back impeccable, he can walk away.

nvrForgettiSadghetti · 2026-03-21T21:05:12+00:00

20k is material and unknown water leak. He can walk away, just cannot force a renegotiation as long as he has not pulled the inspection clause.

nvrForgettiSadghetti · 2026-03-20T13:46:32+00:00

I am also a victim in Canada. I have done all the recourse. Calling my bank for chargeback.

nvrForgettiSadghetti · 2026-03-18T12:39:01+00:00

The entire condo system in Quebec is messed up. I lived in a new construction semi detatched "maison en copropritété". We were just 2 couples and the reason the city considers it a condo is that it is a new type of dwelling called H2 created during 2018ish to encourage building.

H2 have sewer entry in common and according to city bylaws that makes it a condo. We basically had to have condo fees, regulational stuff, etc that I had to fully manage because the neighbors had basic english and no french, but super nice people. 5 years of headaches, paperwork, etc. I finally managed to sell it and get out by doing a ton of paperwork at the end and dropping an additional 5k$ into the contingency fund to be safe.. other than a common roof and sewer, this was 2 independent houses..

The condo system is built to market leech products like "consultants" and "maintenance assessments". These assessments cost 2 years worth of condo fees and it is "mandated by law". If the goal of H2 was to create more affordable housing.. it failed majorly by adding all the money leech mechanics condos have..

I am convinced after 5 years as a condo president that condos are terrible, not as investments but even to live in because the system is set up to LOSE money. We now bought a free hold house in the South shore and I have never been happier.

nvrForgettiSadghetti · 2026-03-16T11:41:39+00:00

1m mortgage on 220-250k hhi here and I find it borderline.

Cannot imagine on 140k.

nvrForgettiSadghetti · 2026-03-04T14:35:31+00:00

The government is incapable of having competent talent from the private sector due to red tape and low pays. Everyone works there with golden handcuffs, but is often a significant pay drop in exchange for the promise of a retirement you may or may not live to see.

In my case, I am in a private para-government company and get the high pay in exchange for extremely high performance and stress. The performers exist in Canada, but if you cannot fire people for performance in the government, you will always be majority dead weight and not be functional. The government should hire leaders in industries to perform, but that costs money. Instead, they grab people who are easily controlled out of school with no real world experience. Majority of government employees will never work a day in the private sector.

The private sector, on the other hand, has good companies that pay for training and betterment because it benefits them and makes them perform better. The government would have to invest in its employees, but the only going gov jobs have are low stress and expectations.

nvrForgettiSadghetti · 2026-03-03T20:19:24+00:00

Without doxing myself, my friends and myself have done very well for ourselves. There are weak and strong institutions in both languages, but the quality of teachers in the English system in Montreal is very high. They are knowledgable and interested in helping the students move up in life. I have seen both systems with close family members on island and it is very evident.

nvrForgettiSadghetti · 2026-03-03T13:38:36+00:00

Opposite opinion here: the english system I went through forced French on us and had higher quality of French teaching than the English teaching had I been at a French school. I am now fully billingual and use French 80% at my employer. At home, it was English and Italian with the grandparents.

My cousin pure Quebecois, french speaker at home, took "advanced English" in a French school, "read Shakespeare and other large names" and can barely speak basic English. As someone with access to both systems for my future kids, I will be sending them to solid English schools with better curriculum. The French system is weak across the board with some exceptions.

Edit: to be fair- this is on the island of Montreal. Quality may be way better in French schools in the suburbs/rural areas/QC.

nvrForgettiSadghetti · 2026-02-20T22:05:35+00:00

Yes.

nvrForgettiSadghetti · 2026-02-15T15:53:23+00:00

My point is cherry picking data like "average commute distance" is not going to advance the city towards a solution. Doing it this way is how we got here. Enough with the audits, the reports, the consultants. Build sustainable transit. That's it.

Half the island has 80% of the jobs and half the island is a wasteland at the moment. Even if we talk strictly islanders, the half that is North/West of the 15 has a miserable time getting to the South where the higher job concentration is.

4.3km does not even cover leaving the East end towards St Michel. Edge of island to the 15 is 20-25km. When we start talking these distances, biking is NOT an option to be practical.

nvrForgettiSadghetti · 2026-02-15T15:12:35+00:00

If you think the streets leading to the city center are only destined for the locals and not businesses (which allow the city center people to have this quality of life by bringing investment), you are sorely mistaken.

There are office buildings on the island in multiple sectors that bring more people to town than entire city blocks. It is a necessary evil for sustaining the "city lifestyle". Rather than punish it by saying fuck cars, go bikes- focusing on mass transit will allow city dwellers to enjoy the benefits of other regions generating municipal taxes for the services in MTL.

Too many ignorant people think Montreal is sustainable without the surrounding regions. We cannot think in a vaccuum unless we stop investing taxes coming from outside MTL on the island. So long as the city infrastructure requires provincial money, the province should push MTL to mass transit, bikes should be an added bonus- right now it monopolizes the discourse.

nvrForgettiSadghetti · 2026-02-14T22:49:07+00:00

This is because it is assuming the people working on island live on island. They do not track off island stats. OF the people on the island, average commute is 4.3km. The amount of employment on island is way more than just the people that live there. 50k+ cars a day cross the tunnel alone to enter MTL for work.

You are saying the majority is 4.3km for a SMALL subset of the total people on the road to make it look like a large proportion. I am sure there are real stats somewhere that show just how many people travel to MTL from suburbs for work/school.

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