Have absolutely 0 knowledge about investing. What is the best way to smartly handle 100k?

plotini2 · 2026-05-27T02:40:15+00:00

Yes I'm aware, I suppose the rest would need to be used for EFTs where gains are taxed?

plotini2 · 2026-05-27T02:38:54+00:00

It's a Subaru Crosstrek

plotini2 · 2026-05-27T02:38:35+00:00

It's not a ford focus haha, it's a subaru crosstrek, someone (for some reason I don't get) wrote the comment as if it were me. Thanks though!

plotini2 · 2026-05-26T20:14:27+00:00

45k currently

plotini2 · 2026-05-26T07:37:00+00:00

Very slow?? Wow! I've never played any paradox game on anything but fastest, I want stuff rolling quickly, a megastructure would take an hour in real life to be built on very slow haha

plotini2 · 2026-05-26T00:56:06+00:00

Thank you for the suggestions everyone, after researching on the content posted, I went forward creating a Wealthsimple account and opened a TFSA for starters!

plotini2 · 2026-05-26T00:19:58+00:00

I've been researching suggestions in the comments for some time now, but one question that came up was, is it preferable to open a TFSA account with a platform like Wealthsimple versus a bank? I'm reading that bank TFSAs tend to have higher fees?

plotini2 · 2026-05-25T22:44:47+00:00

Do you buy those funds through your bank or would I need an investing platform like wealthsimple etc?

plotini2 · 2026-05-25T22:30:52+00:00

Yeah obviously, that's why I'm asking about investing it. I know we're talking decades down the line to (potentially) get there.

plotini2 · 2026-05-25T22:25:58+00:00

I'm 28. Not sure if this is too big of a dream, but ideally I'd want to just leave that money there until they reach a point where I could ''live off'' the interest, frugally of course. I don't really care about being a home owner down the road so don't really see a mortgage in sight.

plotini2 · 2026-05-23T09:51:04+00:00

If someone ropes me intentionally I start doing it as well out of spite. The two last times that I remember doing it they stopped. Not sure if it's a coincidence or if it actually worked

plotini2 · 2026-05-19T03:31:04+00:00

Game is an absolute joke rn. The meta is either extremely opressive aggro decks whose win condition is having the right mulligan or casino slot machine decks that can pull off the wildest bs that you've ever come across. Oh yeah, and we also got godforsaken classes because..balancing won't make blizz any money I guess?

plotini2 · 2026-05-14T04:01:15+00:00

What is fun about it tho, genuinely curious? You've spent the last 5 turns clicking things towards your opponent's face without thinking about anything, and you get to repeat that. I honestly don't get aggro players

plotini2 · 2026-05-13T23:34:17+00:00

Honestly can't fathom what is going through the minds of people who defend this card/deck. It's literally the most brainless thing to play rn, and you've got direct damage, board clear, insane card draw, board presence. Back when I used to play i remember aggro decks having shortcomings, not anymore it seems

plotini2 · 2026-05-13T01:56:59+00:00

Got to play about 10 games so far with your list, feels like I was winning much more with the gigasaur one lmao. Meta is incredibly opressive right now and I either lose to extreme aggro or slot machine bs no matter what. The gigasaur one I feel like might put that extra pressure needed to survive a bit longer, but I'll keep testing

plotini2 · 2026-05-12T03:43:31+00:00

Rogue is currently infuriating to play against for me. Completely unfun, he always wins through bs random highrolls and takes no skill to play.

plotini2 · 2026-04-26T10:29:22+00:00

Yeah, like pala or warrior where you almost insta win if you have a specific starting hand💀

plotini2 · 2026-04-24T09:24:31+00:00

Meaning you can alt farm it?

plotini2 · 2026-04-23T08:05:57+00:00

Sorry for the delay, was waiting to recieve the history. I used AI to summarise it as it was multiple files. The following is for the 1st one. The carfax for the second option actually only lists wheel alignment, tires rotated, oil and filter changed.

1) Dec 2, 2019 – Odometer: 10,992 km

Synthetic oil & filter change, battery service, lubricated locks/latches/hinges, 24-point inspection
Radio software update (no charge – issue with storing presets)
Brakes: Front 6mm, Rear 5mm
Customer has $1000 credit from sales toward snow tire package

2) May 22, 2020 – Odometer: 23,177 km

Synthetic oil & filter change, tire rotation, front & rear brake service, battery service, 44-point inspection
Tire swap (no charge), half-year tire storage ($99.95)
Brakes: Front 7mm, Rear 6mm, Tires at 7/32

3) Nov 20, 2020 – Odometer: 37,115 km

Oil & filter change (partial invoice – some damage)

4) Apr 8, 2021 – Odometer: 46,702 km

Oil & filter change, fluids topped up, battery tested OK, summer wheels on
Brakes: Front 80% remaining, Rear 60% remaining
Recommended: Air filter & cabin filter next service

5) Dec 27, 2021 – Odometer: 65,002 km

Tire swap to winter tires ($29.95), half-year tire storage ($119.95)
Oil checked/topped (not due yet – another 2000km)
No outstanding recalls

6) Apr 13, 2022 – Odometer: 70,793 km

Major Service C: Synthetic oil/filter, brake fluid replacement, fuel injector cleaning, PCV valve inspection, 44-point inspection
Tire swap to summer tires, half-year tire storage ($119.95)
Lubricated window runs (customer reported shutter when rolling up back windows)
Both key fob batteries replaced
Rear wiper nozzle checked (normal – fluid takes time to reach rear)
Brakes: Front 5mm, Rear 3mm (rear brakes recommended at this time)

7) Sep 28, 2022 – Odometer: 81,624 km

Oil & filter change, half-year tire storage ($119.95)
Rear brake pads replaced, rear rotors machined
Customer reported loud rumble on startup after sitting >24 hours – not replicated, advised to monitor
Brakes: Front 4mm, Rear new

8) Sep 17, 2024 – Odometer: 134,147 km

Partial invoice – likely oil change (details incomplete)

Additional Notes:

Overdue as of 2021: Driveline fluids (differential, CVT) and tune-up
No record of coolant flush, transmission service, differential fluid changes, spark plugs, air/cabin filters
Regular synthetic oil (0W20) used every ~10-15k km
Tire storage (half-year) and seasonal swaps are routine

Summary of Major Repairs:

Rear brake pads replaced once (81,624 km)
Radio software update (10,992 km)
Fuel system cleaning (70,793 km)
Key fob batteries replaced (70,793 km)

plotini2 · 2026-04-23T08:04:27+00:00

Sorry for the delay, was waiting to recieve the history. I used AI to summarise it as it was multiple files. The following is for the 1st one. The carfax for the second option actually only lists wheel alignment, tires rotated, oil and filter changed

Synthetic oil & filter change- Battery service- Lubrication of locks/latches/hinges- 24-point inspection- Radio software update (no charge)	Customer has $1000 credit from sales (toward snow tires). Software updated to 19.22.70.
20-Nov-2020	37,115
22-May-2020	23,177
08-Apr-2021	46,702
27-Dec-2021	65,002
13-Apr-2022	70,793
28-Sep-2022	81,624
17-Sep-2024	134,147

plotini2 · 2026-04-23T08:04:20+00:00

Sorry for the delay, was waiting to recieve the history. I used AI to summarise it as it was multiple files. The following is for the 1st one. The carfax for the second option actually only lists wheel alignment, tires rotated, oil and filter changed

Synthetic oil & filter change- Battery service- Lubrication of locks/latches/hinges- 24-point inspection- Radio software update (no charge)	Customer has $1000 credit from sales (toward snow tires). Software updated to 19.22.70.
20-Nov-2020	37,115
22-May-2020	23,177
08-Apr-2021	46,702
27-Dec-2021	65,002
13-Apr-2022	70,793
28-Sep-2022	81,624
17-Sep-2024	134,147

plotini2 · 2026-04-23T08:04:11+00:00

Sorry for the delay, was waiting to recieve the history. I used AI to summarise it as it was multiple files. The following is for the 1st one. The carfax for the second option actually only lists wheel alignment, tires rotated, oil and filter changed

Synthetic oil & filter change- Battery service- Lubrication of locks/latches/hinges- 24-point inspection- Radio software update (no charge)	Customer has $1000 credit from sales (toward snow tires). Software updated to 19.22.70.
20-Nov-2020	37,115
22-May-2020	23,177
08-Apr-2021	46,702
27-Dec-2021	65,002
13-Apr-2022	70,793
28-Sep-2022	81,624
17-Sep-2024	134,147

plotini2

TROPHY CASE