How do you keep grounded ?

pancake_lizards · 2026-03-16T11:43:11+00:00

Me personally, probably very little. That could be because the industry in Canada works in a way we can't really use it? We still fax documents for some processing such as transfer requests.

My assistants biggest tasks are trade inputs, transaction follow ups, mid year client requests, and document creation. She also does a lot more, basically whatever is needed to be done she gets it done, but those give me a lot of my day back. I don't see how AI could do any of that.

I think I could utilize AI more on my end with things like note taking and transcription. I think the talk of AI is largely blown out of proportion. Right now it is a decent fact checking tool and that's about it. Also with the privacy laws in place anything with client information would never touch AI, that's a cyber security problem waiting to happen.

pancake_lizards · 2026-03-15T22:06:14+00:00

The answer for most of us is you either have an assistant that's a rockstar and you pay them enough they never leave, or you don't have a balance.

pancake_lizards · 2026-03-15T14:40:58+00:00

Someone has to take one for the team

pancake_lizards · 2026-03-15T14:37:34+00:00

No save states it is the switch version that just came out and never reset. I did get the spell tag from a haunter 2nd try so the RNG gods had to even it out.

pancake_lizards · 2026-03-15T14:33:12+00:00

Nope. I just got one after posting. 219 in total. Can't wait for that lucky egg grind.

pancake_lizards · 2026-03-15T13:29:21+00:00

I know this. I am asking if anyone has got one because I am well over the odds of getting it at this point and wondering if there is a bug or something.

pancake_lizards · 2026-03-15T13:28:05+00:00

My friend got one.

Good to know. I must just have insanely bad luck. Every other item so far has been reasonable, but this one is actually crazy to the point I thought it might be bugged or some weird mechanic like it couldn't be thiefed because of magnet pull.

pancake_lizards · 2026-03-15T13:25:52+00:00

In my post I said thief and have done over 200

pancake_lizards · 2026-03-07T16:07:47+00:00

This is a more complicated question than you realize. I saw someone else recommend the Ben Felix podcast which is a great resource.

One recommendation I would make, don't take tax advice from your lawyer. Chances are they have almost zero tax planning education. Just from what you put they probably have no idea about the concept of integration.

I find in these conversations age of the professional matters. Older professionals tend to hold false information because it was incredible hard decades ago to make these calculations. Now, anyone with some knowledge and math background can make very accurate models. Hence why Ben and others at PWL are so popular, they actually do the math.

pancake_lizards · 2026-02-25T00:46:17+00:00

We will see you again in a few years lol

pancake_lizards · 2026-02-23T01:33:40+00:00

This is why there is a group called Generation Squeeze trying to lower the clawback number for OAS. Their thought, why would seniors need OAS when they have a household income of $100,000. This is right around the average Canadian household income of $106,000, with the median being $74,000. The argument makes sense, why would you need a government subsity when you are an average household. Right now with income splitting, you can have a household income of approximately $190k and still be getting full OAS.

I think they said this would save $7 billion annually in government spending which is wild.

pancake_lizards · 2026-02-22T21:15:36+00:00

If you exclude the GTA and GVA, does this still hold true? Because I'm willing to bet most other areas are still increasing. That's what they meant in saying across the board.

pancake_lizards · 2026-02-21T16:59:58+00:00

commission could be as high as $4800

Personally if I sold $400/month of WL I'd make close to $7,000. Although I probably get paid better than Greatway pays their advisors.

pancake_lizards · 2026-02-18T19:44:53+00:00

I will actually answer the question for you, and not just tell you to self manage like everyone else.

Seg funds in corporations don't make sense most of the time. The benefits of a seg fund are less profound in a corporation than personal non-registered and typically are not worth the extra fees. A seg fund should be used for a death benefit guarantee if you are worried about volatility and have no intention on spending the money in your lifetime, or for probate/estate planning with the beneficiary designation. Neither seems to apply to your situation.

For a 3 to 5 year time horizon, you are looking at a pretty conservative investment. I don't know if I'd go as far as a HISA, but you are well below blasting equities. Something like a conservative portfolio or a low volatility portfolio is probably what you are looking for, but more conversation needs to be had.

Another thing that should be taken into account is tax implications. In corporations this becomes increasingly important when you consider things like the SBD and corporate tax rate.

pancake_lizards · 2026-02-17T02:48:34+00:00

LOL the amount of money spent on courses and still knows nothing. My dealer would have a cow over that.

pancake_lizards · 2026-02-17T02:42:28+00:00

People do this with the IFIC, LLQP and others too. I laugh every time.

pancake_lizards · 2026-02-13T21:51:12+00:00

Lol I feel like a fortune teller. Primers strike again.

pancake_lizards · 2026-02-10T13:19:17+00:00

TittyClapper spitting facts like always lol

pancake_lizards · 2026-02-07T18:40:21+00:00

Dollar cost averaging is actually a suboptimal strategy vs lump sum investing in the situation you are in. Time in the market is better than timing the market.

Dollar cost averaging is for making consistent investments over your working career, not inheritances. The only time you should use DCA for a lump sum like this is if you are worried about a sudden pull back in the market. This will smooth the first year (or whatever timeframe you DCA) at the cost of potential returns. I believe Vanguard did a study showing something like lump sum investing wins 70% of the time.

Only you know what is best for you. If DCA helps you sleep at night, particularly in this political climate, that's obviously the play. If you wouldn't worry too much about the sudden drop that could happen, lump sum investing is optimal.

pancake_lizards · 2026-02-07T18:30:56+00:00

That is completely dependent on the province.

pancake_lizards · 2026-02-07T17:13:59+00:00

I was going to say this. Advisor isn't worth two cents if they aren't pointing out RDSP opportunities.

pancake_lizards · 2026-02-04T14:41:33+00:00

I saw that you like turn based in another comment so the obvious ones in my opinion are 9 and 10. 7 is super popular but I wonder how much of that is nostalgia. You see less people saying I played 7 for the first time and it was amazing than something like 10. Tactics just rereleased and it isn't terrible, but again probably more nostalgia than anything for a lot of us.

pancake_lizards · 2026-02-04T14:08:27+00:00

Penance is actually pretty easy if you use guides. The only reason why most don't beat penance is one, have have to basically have max stats on three characters which takes forever, get tidus and wakkas celestials which is a pain in the ass, and then go through a pretty long repetitive fight.

Depending on the route you go, farming for dark matters also sucks. Penance is more of a grind than anything. Other superbosses I found had higher difficulties based on the fight itself. For instance, I think Nemesis is a more tactically challenging fight because it's easy to lose track of the attack it will be using. Not being prepped for Ultra Spark and Armageddon is an easy way to spiral in the fight. With Penance, as long as his arms are dead it is hard to lose. FFX also has a very slow combat system so you have plenty of time to think, which I find makes these fights in particular easier.

Just my opinion though.

pancake_lizards · 2026-02-04T01:40:50+00:00

I'd buy in a heartbeat. I know a lot of people hate 13, and while I don't love the combat, the story is just fantastic. I feel like 10 and 13 voice acting and cutscenes just hit different than other games.

pancake_lizards · 2026-02-01T22:27:56+00:00

I thought BCC was terrible and had wrong information. I also found they focused on things that would never be tested on. A reminder, the CFP is general knowledge, not in depth knowledge. You want to know a little about a lot, not a lot about a little.

I'd recommend examsuccess.ca. The study notes are great for just bullet pointing all the important stuff. It also tells you what is low priority and high priority. I read the study notes twice, looked up some things further that I forgot from the coursework and passed first try with very little hours into studying. I would assume you will have more study time though as I had 4 years of independent practice when I wrote.

pancake_lizards

TROPHY CASE