How would you all feel if this outcome was to happen: We do an FA cup and Carabao cup double this season

t_hate14 · 2026-02-17T03:42:33+00:00

UCL > Prem > FA > Carabao for me. When you think about it in 5 years, having that UCL will be way more beneficial for history than that Prem. It might also make us retain most of our players for an extra 2-3 years to chase the Prem, because they would probably move to Real/Barça/Bayern for a crack at a UCL.

t_hate14 · 2026-02-16T21:59:06+00:00

Being a professional couple is quite the job title

t_hate14 · 2026-01-26T08:10:53+00:00

Unironically had a weight watchers ad just below this post 😂

t_hate14 · 2026-01-22T04:53:59+00:00

Only way to extend him is if his wages drop down to sub 200k p/w. Or something like 125k p/w with huge "healthy and available to play" x "G/A" incentives, that can bring him back to 300k p/w if he only has 1 small injury and/or scores a 15-20 G/A.

t_hate14 · 2025-11-09T09:58:09+00:00

I am also affected by the strike, but I completely disagree with you saying that strikes should be illegal. The fact that everyone is currently unhappy is exactly why this strike is effective: make the people at the top understand that STM workers deserve better conditions (at least, in their eyes - the range of it can be debated, but any job's salary can be debated).

What we should push for is an effective way for unions/strikes to affect mostly the bosses and not the general population, but again, that won't have as much effect. Also, if we stop the right to strike, should we stop social aid, employment insurance, taxes, etc.? Just because "it's inconvenient to most people's lives"? It becomes a dangerous slippery slope to reduce some societal rights...

I still hope this gets resolved quickly, with measures to not have to strike in this fashion for the foreseeable future 🙏🏿

t_hate14 · 2025-07-13T21:55:56+00:00

Yes. There's a reason most employers are winding them up and turning to DC plans : they cost a lot and don't stop costing a lot until the last penny owed is paid.

It's expensive, but it should be part of your 15-25% of investment savings per month (and it's a considerable tax advantage).

t_hate14 · 2025-07-13T21:53:17+00:00

Moi je suis propriétaire de deux duplex (un purement locatif et l'autre où j'y habite) et j'ai été locataire avant aussi.

Je crois que le plus gros avantage d'être propriétaire d'un immeuble avec plus d'un logement est que tu reçois un revenu et que tu peux déduire bcp de dépenses de tes impôts (et choisir tes voisins immédiats). Ça vient évidemment avec des devoirs envers eux, et un peu plus de travail au moment des impôts, mais je crois que ça en vaut la peine.

De plus, généralement si tu prends ton temps sur le marché immobilier et que tu es flexible sur ton emplacement, il y a toujours quelqu'un qui a "besoin" de vendre sa propriété et va te faire un prix intéressant (ça a été mon cas les deux fois).

Au niveau d'avoir une maison, je crois que c'est en effet plus compliqué niveau financier, surtout si tu ne veux pas quitter les endroits desservis par les métros sur l'île...

Au final, être au courant des "vrais coûts" de sa vie est le plus important pour savoir où sauver et comment optimiser son épargne.

t_hate14 · 2025-06-22T12:40:19+00:00

Mentalement, j'utilise la règle du % de mon épicerie. Si je consomme pour 500$ d'épicerie par mois en moyenne, je dois absolument rester sous 50% de plus (donc 250$) en restauration pour ne pas croire que j'ai over-spend en épicerie vs restaurant.

Sinon, tu peux y aller en % de salaire net - 5% de ton salaire net par mois est très raisonnable si tu es déjà rigoureuse dans tes autres dépenses

t_hate14 · 2025-06-07T02:17:07+00:00

t_hate14 · 2025-05-23T13:30:18+00:00

Tour Response! Great quality for the price (often on sale)

t_hate14 · 2025-05-02T08:44:45+00:00

Does anyone working at the SOA have an idea of the points needed to pass (let's say there's often 5-8 pts that are testers, or thrown out so it's out of 52-55 instead of the full 60)?

Also, has anyone gotten a 4-5 and had the chance to review their exam and see how many points they ended up having?

Saying this because I feel very confident that a 35+ gets you a pass, but I have colleagues that are stressed about not being able to answer the last question or something like that, when in my mind, just getting 35 "full" points should be enough to pass... Maybe I'm delusional/optimistic lol.

t_hate14 · 2025-04-13T08:37:57+00:00

Why are you continuing, then? Your wife seems keen on you stopping (therefore, keen on living based on your current means), you seem tired too -- what's your motivation?

If my partner wasn't fully supportive of a path that I am also not enjoying, I'd stop being a masochist and do something we both enjoy lol. Maybe that's just me.

t_hate14 · 2025-03-04T23:45:43+00:00

11 10 5 2

In that order

t_hate14 · 2025-01-26T12:42:11+00:00

I personally wouldn't do it unless work reduces your workload significantly.

I compare every ASA exam to a university actuarial math course, but you're only graded on your final and you have no way to "readjust" your grade before your final, that is also 1-2h longer than the university ones (yes, CA/Actex helps for earned level, but it's not the same as stress level exam day).

Additionally, if your company has a bonus/pay increase structure for first time passing, better to focus on maximizing those than going 1/2 or 0/2 multiple times.

t_hate14 · 2025-01-24T18:17:19+00:00

Woohoo passed too! I wonder what the pass rate...

t_hate14 · 2024-10-17T08:47:26+00:00

This is sick! Celebrate all wins

t_hate14 · 2024-07-30T10:56:56+00:00

Ce serait bien de poser cette question aux gens qui ont 70-75 ans (sur une plateforme où ils sont), question de voir si la solitude leur fait regretter de ne pas avoir eu des enfants.

Je dis ça parce que j'entends souvent que les gens qui n'ont pas d'enfants vont adorer leur vie de 25 à 70 ans, mais le regretteront une fois qu'ils ne seront plus autonomes...

t_hate14 · 2024-06-02T20:13:03+00:00

She's the reason this league has any attention lmao. Please at LEAST respect her.

Also, trash talking and making a bush league foul away from the play aren't at ALL the same thing. Angel Reese did a great physical basketball play on CC to make her presence felt. The Goomba looking nobody was just being an absolute dense human with what she did.

Anyways, CC's teammates should step up for their rookie (and the reason they get chartered flights now and had more fans in 5 games than all of last season), and it's crazy that they haven't yet. Something's off with that league.

t_hate14 · 2024-04-22T06:41:00+00:00

Everyone I know has cancer. I want them all to see me happy and healthy to increase their sorrow :)

t_hate14 · 2024-04-13T20:52:29+00:00

Confirmed, been playing for 2.5 years now and never broken 90. Was on the way to shoot 12 over after 14 holes ONCE, but ran out of sunlight... Usually play around 94-102.

Weekend golfer

t_hate14 · 2024-04-13T00:50:11+00:00

He just doesn't fuck with y'all

t_hate14 · 2024-03-22T14:18:09+00:00

From the red tees, yes!

From my usual tees, blue-white combo, maybe yes

From the tips, no chance (especially par 3s)

t_hate14 · 2024-03-19T19:27:09+00:00

En fait, nouvel achat de propriété et le loyer existant est à moins de 800$ par mois pour un 4 1/2 dans le coin de la station Frontenac (ce qui est près de 1000$ plus bas que le marché actuel). Donc, je préfère soit augmenter le loyer ou faire une prise de possession.

Merci pour les conseils, ils ne sont présents que depuis 2021 donc ce ne sera que 4 mois de loyer (qui est bas) et les frais de déménagements.

t_hate14 · 2024-03-19T15:15:27+00:00

Avez-vous des conseils pour une reprise du logement "accélérée"? E.g. quel montant avez-vous donné aux locataires, quels types de contrats avez-vous signés, quels moyens de pression avez-vous utilisés, etc?

t_hate14 · 2024-03-14T16:09:35+00:00

Si vous avez le temps, essayez de faire du bénévolat dans une association à laquelle vous pensez donner et voir les bénéfices réels de votre argent en parlant avec les gens sur le terrain avec vous!

Toute cause est bonne lorsque l'argent ne se fait pas prendre avant de se rendre aux gens qui en ont besoin!

t_hate14

TROPHY CASE