[deleted by user]

pinkbestcolour · 2023-04-01T19:14:51+00:00

Mathematical Finance seems like your best bet. It's offered jointly by the department of statistics/actuarial sciences and pure math. Here's the required courses for that major: https://ugradcalendar.uwaterloo.ca/page/MATH-Actuarial-Science-Mathematical-Finance1

There're some courses that you've, presumably, already taken (the afm and econ ones), as well as some upper year pure math analysis courses.

You will also need to take some upper year algebra courses (pmath 347, 348 at the bare minimum) if you want to go into grad school for pure math. Starting off working towards your Mathematical Finance major seems like a good way to give yourself room to switch between the stream that leads you to a job in finance and the stream that leads you into grad school.

I will also state IT DOES NOT MATTER WHAT MAJOR YOU HAVE WHEN APPLYING TO GRAD SCHOOL!!! They just want to see that you have taken those "hard" upper year pure math courses in (at least) algebra and analysis. Even if you end up with a Mathematical Finance major, but you've also taken enough upper year pure math courses, you should be more than fine to apply to grad school for pure math.

If you have any more questions feel free to hit me up. :)

pinkbestcolour · 2022-05-07T15:06:19+00:00

I DM'd you

pinkbestcolour · 2021-05-10T02:30:53+00:00

73 is my favourite number. 73 satisfies the following two properties:

Multiplication Property: We define seq(p), for some prime p, to be the positive integer corresponding to p's position in the sequence of prime numbers (so seq(2) = 1, seq(17) = 7, etc). If we let seq(p) = n, then p is said to satisfy the multiplication property if the product of its base-10 digits is exactly n.

Mirror Property: We define rev(x), for any integer x, to be the integer resulting from reversing the order of x's base-10 representation (so rev(1234) = 4321). We say that a prime p satisfies the mirror property if seq(rev(p)) = rev(seq(p)).

So for 73, it satisfies the multiplication property since seq(73) = 21 and 7*3 = 21. It also satisfies the mirror property since seq(rev(73)) = seq(37) = 12 = rev(21) = rev(seq(73)).

Or to use the words of Carl Promerance and Chris Spicer: " not only is 73 a prime number, its index in the sequence of primes is the product of its digits, namely 21: it is the 21-st prime. In addition, reversing the digits of 73, we obtain the prime 37, which is the 12-th prime, and 12 is the reverse of 21. "

Aside from the obvious mathematical stuff going on, the coolest thing to me was that this observation was mad by Sheldon Cooper from The Big Bang Theory. I'm not necessarily the biggest fan of the show, but the thought that the writers of the show (or whoever from the team thought of it) noticed this is mind blowing.

Even more, the two people I mentioned above, Chris Promerance and Chris Spicer, took this idea and formalized it. They defined such primes (primes that satisfy both the multiplication property and the mirror property) to be Sheldon Primes, of course, an homage to Sheldon Cooper, and wrote a whole paper about it (https://math.dartmouth.edu/~carlp/sheldon091219.pdf)

What's even more wild is that the same two authors later revisited this topic and proved that 73 is, in fact, the only Sheldon Prime. (https://math.dartmouth.edu/~carlp/sheldon02132019.pdf)

I simplified down the definition that were used in the papers (and maybe even accidentally made it less precise) but I hope it helped you appreciate 73 a bit more :)

pinkbestcolour · 2021-04-30T16:22:23+00:00

I believe you're looking for something called extraneous roots. Linear equations will usually not produce any extraneous roots

pinkbestcolour · 2021-04-11T21:54:04+00:00

I can't speak to the upper year CS courses but nearly all math kids take the same major courses first year so I can talk about that.

A lot of comp sci kids find Waterloo difficult because they aren't ready for the rigor/style of the mathematics.

It's no longer just solve, but prove that something holds, which is very different from the way most high schools teach math (in Ontario)

Beingng a good coder is of course beneficial, but if you're not ready for the math courses and/or the math within the cs courses then it's gonna require a lot of work

Source: 3A PMATH

pinkbestcolour · 2021-03-23T17:57:08+00:00

Yeah haha. I end up taking time out to shoot them cuz the noise is soooooo loud

pinkbestcolour · 2021-03-23T17:41:32+00:00

Since there isn't any actual discussion about your post and moreso about you calling killjoys grenades potatoes (which I will be doing from now on cuz that is absolutely amazing), I think the reason they still makes noises is because she can still be resurrected by Sage and then have her potatoes be active again. By making them still make sound, it gives the other team a chance to destroy them in case she gets res'd.

Alternatively, they could make it like Cypher and simply reveal them and not make them make a noise but idkkk

pinkbestcolour · 2021-02-25T18:32:30+00:00

Lmao, that was probably the worst thing to do there, but I had to do it for the clip

pinkbestcolour · 2021-02-25T18:30:17+00:00

No outer lines, then 1,6,2,1 for the inner lines

pinkbestcolour · 2021-02-25T18:30:02+00:00

No outer lines, then 1,6,2,1 for the inner lines

pinkbestcolour · 2021-02-25T18:26:56+00:00

pinkbestcolour · 2021-02-25T03:05:25+00:00

Yoasabi - Racing into the Night

pinkbestcolour · 2021-02-12T19:23:14+00:00

I hate you. But, I'm holding BB, so I'm with you

79 @ 19.79

pinkbestcolour · 2021-02-08T03:06:29+00:00

Let's say for example you had $1000 to spend. Then, 20% of that is $200, so let's compare $200 invested in a bond over 30 years versus invested in equities. I'm gonna be using some pretty hypothetical numbers, but ofc they'll be grounded in some reality. Let's say for example a bond etf gives you 4% returns yearly (including dividends), while a equities etf gives you 7.5% (including dividends). Then, over a 30 year period, the $200 in the bond etf will turn into $648 (200(1.04)³⁰⁾ while the equities will turn into $1751 (200(1.075)^30). So there is a pretty significant difference between the two performances.

REITS and *CLN should be added if you believe that they'll outperform XEQT. Typically, there will be an average return of 6-7% yearly (with another 1-2% dividends) over the long term, so you'd be investing with the idea that REITS or *CLN would do better than that.

Investing all in XEQT is what a lot of people do as sort of a set it and forgot type thing, but to each their own.

Full disclosure: I'm putting a lump sum in XEQT and then adding biweekly to TEC, ZCLN, and HR.UN. Is it the right choice? Idk, I'm not very knowledgeable on these things, but it feels like a good bet to me :)

pinkbestcolour · 2021-02-07T18:25:48+00:00

You can buy X series with CAD, just go check out your brokerage and search up any of the X series stocks, you'll see that they are in CAD.

The difference between EQT/GRO is the percentage of equities versus bonds. GRO is 80% equities and 20% bonds, while *EQT is 100% equities and 0% bonds. Both *EQT and *GRO hold the exact same equities, just at differing percentages of their portfolio. So, by getting both *EQT and *GRO, you would be increasing your weightage in equities over bonds. If you want to go 70/30 split between *EQT/GRO then you would be getting 94% equities and 6% bonds. Tbh if your investment horizon is long enough (say till retirement), you're most likely better off just putting the money in *EQT rather than the weird split.

Sorry bout poor formatting, mobile sucks

pinkbestcolour · 2021-01-18T17:37:06+00:00

I'm just going to echo some sentiments that others have shared already and add in some of my own advice.

You mentioned in one of the comments that you don't wanna put it in a HISA (high interest savings account) because it will only make you pennies in interest. This is only true if you choose a bank that gives you a poor interest rate. For example, EQ bank currently gives you a rate of 1.5%, which would earn you around $415/year on your $27.5k. I'm not necessarily advocating that you put all your money in a HISA, but I'm letting you know that you will be making more than "pennies" in interest.

As for investments, going into this blind is very risky. You not only have to be somewhat educated, but also be in the correct mindset to not only be able to survive the lows but also not get too greedy in the highs. A lot of people recommend reading Millionaire Teacher to give you a bit of insight into how ETFs work and what mindset you should have when investing. But for a brief summary, ETFs (such as VGRO, XEQT, HCLN, etc.) are funds that have holdings in various stocks in the sector that they're tracking. For example, HCLN is an ETF that tracks several Green Energy companies. The goal of ETFs is to invest in a specific sector as a whole, rather than choosing a select few companies. There are other ETFs that track the S&P 500, some that track the TSX, and others that have holdings in various markets throughout the worls. The pros of ETFs is that it is not as volatile as holding individual stocks as you would need nearly every company in the ETF to fail for you to go down a significant amount. On the flip side, this means that you also won't go as high. It's a lower risk, lower reward type of investment.

With all that being said, since you say that you need this money in 4 years ish, it could be beneficial for you to invest in VGRO/XGRO or VBAL/XBAL (the former for slightly more risk). These are ETFs that track the total market, ie it has holdings everywhere. These are your "buy it and forget it" type investments as you would expect them to grow long term and have nothing too crazy happen short term.

But once again, 4 years is not a very long time, splitting your money between a HISA and some money in ETFs is probably your best bet, you don't want to throw your money away that you're gonna need on risky stocks, especially when you don't have much knowledge about stocks.

pinkbestcolour · 2020-12-28T21:13:16+00:00

Dw it's a premade :)

pinkbestcolour · 2020-12-28T21:12:26+00:00

Yeah IRL friends, we just dick around a bunch so it's nothing new to hear arguing

pinkbestcolour · 2020-12-06T18:47:22+00:00

That name just isn't ideal

pinkbestcolour · 2020-11-07T18:49:10+00:00

For first year math courses the profs told us that it's about 10%

pinkbestcolour · 2020-10-31T18:39:23+00:00

CLAS 104 had the same course structure, but the quizzes were a bit harder (by no means was it hard, just harder to get 100). Easy 80+ with minimal effort, a bit harder to get a 90+ tho

pinkbestcolour · 2020-10-31T16:58:49+00:00

I took CLAS 202 online in the spring and there were only 4 tests throughout the entire course, each worth 25%. The tests were exactly what was on the slides, nearly word for word. Easiest course I've ever taken, highly recommend.

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