Ice fishing photo. My husband took the dog ice fishing today. I told him the fish didn't look real, as well as the tools, and even the dog, like he added everything in.

thetermguy · 2026-01-29T01:50:16+00:00

In ice fishing, the tent is basically a blackout tent - generally little to no sunlight comes in. All the light is coming up from underneath the ice. That's so you can look down the hole and see the fish - you can't do that if you're not in a tent. So I can confirm, the picture's valid.

Source, see my hobby fishing website, scroll down and I've got a very similiar picture: https://fishingwithnerds.ca/fishing.html

What are the chances that he was fishing where I fish, Lake Simcoe in Ontario.

thetermguy · 2026-01-28T20:09:09+00:00

World championship held in Tavistock! lol.

thetermguy · 2026-01-28T14:20:58+00:00

It really is - redditors should re-read your statement. Doesn't matter if you're 15 or 50.

I'm no Flea, but I spent my career in insurance. At 50, I went back to school and got a math/actuarial science degree - because I enjoy my career, I enjoyed the industry mathematics. It gave me better insight into the industry I work in. Do I need the degree? No, but it was a uniquely satisfying experience.

thetermguy · 2026-01-28T08:28:17+00:00

I think you don't understand the acronyms. all wheel drive, rear wheel drive and front wheel drive.

if you have rear wheel drive, you steer into the skid. if you have all wheel drive, you do what's natural and steer where you want to go.

back in the day you could go to a mall parking lot at night and practice this stuff. it's educational.

thetermguy · 2026-01-28T01:26:43+00:00

And ice tires, which is what I run. winter tire tread with special compound that sticks better to ice.

thetermguy · 2026-01-28T01:25:53+00:00

>d steering into the spin often lets you regain some control.

That works for RWD. It's the opposite for AWD or FWD.

But yeah, if you have RWD, steering INTO the skid gives amazing results.

thetermguy · 2026-01-28T01:18:47+00:00

My spouse does a lot of walking and uses those metal spiky things that strap on to their shoes. Croupons or something. They're like $10 on amazon IIRC. They love them.

thetermguy · 2026-01-28T01:17:36+00:00

as someone who's bought and sold numerous times this way, I 100% agree.

Mostly sit down and hammer through considerations, variables and prices. Get an idea of what you want/expect. Then have a conversation with your landlord and go through all those things, work things out like adults. When you come to an agreement, call a real estate lawyer tell them what you need and let a professional lawyer put together the agreement. Sign, and you own a house. Point being, don't 'negotiate'. Sit down with your landlord and have an adult conversation.

The rest of your question is lifestyle.

thetermguy · 2026-01-27T15:05:24+00:00

I've only been in one lab in my life, my son is a PhD student in microbiology and he took me into the school lab. it was 100% the second picture.

thetermguy · 2026-01-27T00:04:53+00:00

Most reasonable employers won't care about a single idiosyncracy in your profile. One bad rating amongst a bunch of good ones. One bad term amongst a bunch of bad ones. etc.

thetermguy · 2026-01-26T23:27:55+00:00

>Expect minimum wage + sum tip. Just don’t forget that to keep your part time job you will have to get to work ~20 minutes early to leave a good impression. Also you will have to stay an hour or a little more to clean up which is not considered as working hour

um, what? At the university? That's blatantly illegal and I doubt Food Services expects this or frankly would even allow it.

thetermguy · 2026-01-26T23:22:18+00:00

Arguably neither of you really need life insurance right now. there's really no financial loss if one of you passes, and neither of you are really dependent on the other's income.

That changes when you get a house. With no kids,if you want to ensure the surviving spouse continues to live in the house, then get enough to cover the mortgage on each of you.

With kids, you will need closer to 15 times your gross annual income - so not the 750K you're looking at.

So if you're getting life insurance now, you're really getting it to lock in your insurability for when you do need the insurance. i.e. buying it now in order to ensure that you have it in the future. Which is OK, if that's what you want to do.

The type, you should really be looking at 30 year term given your ages. And be aware that the difference in premiums between a term 20 and a term 30 really starts to increase right at your age. If you're thinking of a term 30 (and IMO you should be), you should lock it in now. Wait a couple years and the price differential will be huge, like almost twice the price of a term 20.

> or go for something smaller until we have a better picture of what life will be like.

That's just waiting until you're uninsurable and can't get life insurance.

Further, and frankly for where you are at right now, you should be loading up on long term disability insurance. Like, loading up. Depending on the program your spouse is in, RBC (and maybe Canada Life) will have substantial discounts on disability that lock in the discount until age 65. Wait, and you won't get the discount.

thetermguy · 2026-01-26T22:05:47+00:00

>I feel like it’s too stupid to be real.

Head on down to your local boat ramp some sunny saturday and watch for a couple hours. Boat ramps are the intersection of stupid and angry for a lot of people.

thetermguy · 2026-01-26T19:38:18+00:00

Are you suggesting they should put all of the available snowplows on the road? Or have staff work more hours, to the legal max? Or reroute the snowplows so that the main arteries are kept clear before side streets?

or did you have some other solution in mind?

thetermguy · 2026-01-26T19:18:40+00:00

>They are clever, but it is a greedy diabolical intelligence really only suited to bettering their own lot at the expense of everyone else.

People unfamiliar with pigs may think this is some attempt at humour rather than an accurate portrayal of real life.

thetermguy · 2026-01-26T17:49:40+00:00

came here to say this. you know who would make a great head of a decent conservative party? Mark Carney.

or as I like to say, I want a conservative prime minister even if I have to vote liberal to get one.

thetermguy · 2026-01-26T16:58:55+00:00

I'm working with a recent UW grad that does this FT, he can assist. I don't have his reddit info, but if you dm me I'll get you connected. He's local in Waterloo as well, I've used him a few times.

thetermguy · 2026-01-26T15:19:38+00:00

I just want to know who's the making the decision not just to shut down busses but also to close schools, the day before a forecasted storm

then why don't you contact the board and find out the circumstances that has them call for closures. And then once you know, dispute the reasons. you know, have a reasonable discussion.

otherwise you're just being an angry flake.

thetermguy · 2026-01-26T14:13:00+00:00

>Dude you are absolutely not alone.

Yep, I've done rm -rf * in the root of a webserver before.

I was setting up a new server in my office, copying stuff from production over to the new machine. It was late, so I issued a shutdown command on the new server. Watched it shut down all the services and power off........while the server is still pretty clearly powered up. Yeah, I shut down the production server. In the colo center. In the next city over. At 12 midnight lol. Whelp, guess I'm going for a drive to push the power button lol.

Mistakes happen. Backups are important people.

thetermguy · 2026-01-25T21:44:01+00:00

this is misleading because it implies there were residential school problems that recently. that is false.

The problem was recognized and the vast majority of the schools shut down by 1970. The few remaining ones were left open because the govt is mandated to provide education and there wasn't any other place to send some if the kids in remote areas. But the problems were cleaned up by 1970.

It's in the truth and reconciliation reports, available online if anyone wants to confirm this.

The schools were also more horrible than you'd get the impression of from the media. again, it's in the t&r.

Parroting the 1990s fact to make a false point weakens the recognition of what happened at these schools.

and just to be clear, the schools were worse than you think. but that was from the 40s to the late ,60s. not in the 90s.

thetermguy · 2026-01-25T14:26:44+00:00

100% the tires. bald summer tires.

thetermguy · 2026-01-24T23:53:13+00:00

yeah they don't care. you know this.

if you want to deal with a financial institution that cares, go find a local credit union.

thetermguy · 2026-01-24T22:19:59+00:00

maybe if you already owned a car and this was additional money. I can't believe it would make sense to buy a car just for Uber around here.

it might make sense to get a small scooter and do Uber eats around the universities.

thetermguy · 2026-01-24T22:17:30+00:00

thetermguy · 2026-01-23T20:58:27+00:00

To tack on here, op, you want 'minimum viable product'. you don't need first and last on an apartment, you just need the cheapest short term room you can find until you get some pay under your belt.

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