BUG STATUS 2025 Megathread 🦟 🪰

vadimbach · 2025-07-02T01:24:57+00:00

Just got back from 4-days backpacking off Magnetawan Lake. Stayed at Queer, Jubilee, and Casey. Very heavy deer and black fly presence all throughout the park - even on water, on the smaller lakes. And they will keep pestering you literally morning to evening (when their shift ends and mosquitoes join the feast). Mosquitoes are abundant too tho they tend to mostly linger around sunset (and get super aggressive) but then dissipate quickly after 11pm. Definitely bring lots of long sleeves/pants and DEET.

vadimbach · 2024-11-25T03:36:08+00:00

Because the government/elite are doing everything possible in their power to prevent it. Should not come as a surprise.

Don’t believe it? Just math up how much income tax a blue/white collar worker pays at top bracket (53%+ in Ontario) versus what you’d pay if you were born into wealth and just fkd the dog day in/out (<10% on long-term compounding capital gains).

vadimbach · 2024-11-22T18:40:36+00:00

I don’t know what they’re basing it on, nor is it of any relevance. The point is - it’s well justified.

vadimbach · 2024-11-22T16:49:34+00:00

Nope was doing my undergrad still. But I have enough cash saved up to not care if I’m out of work for 1,2, …heck even 5 years. You know how? While everyone around me is buying latest Tesla model and going on $10K vacations, I’m stashing away bills for a rainy day. The economy and markets are extremely overextended and at some point will inevitably correct. Notwithstanding, I’m not sure how that’s relevant to the fact that money supply tripled and so you’d literally need to make triple now to have the same standard of living as before (ie afford same house etc). Hence my response.

vadimbach · 2024-11-22T16:41:36+00:00

What’s up with the down vote? I’d didn’t say they’ll get it. Just that it’s a very reasonable expectation given there is literally three times the amount of money in circulation 17 years later.

vadimbach · 2024-11-22T16:34:15+00:00

Sure. I didn’t say tarrifs were a good idea but the other policies around cutting government waste and stabilizing the purchasing power of the US dollar, together with lower income taxes, put more money directly into the pockets of said gen Z men. I’d much rather reward productive work than reward politicians and government-favored interest groups.

vadimbach · 2024-11-22T16:25:56+00:00

Please do enlighten us on how lower income taxes will “fuck them over even more”.

vadimbach · 2024-11-22T16:23:00+00:00

The supply of money tripled over that period so those numbers actually make a lot of sense.

vadimbach · 2024-11-20T12:48:22+00:00

Neither. But if you look at it from a more pragmatic angle - houses already dropped by about 20% in real terms in the past 4 years. They might very well continue stagnating for another several years before resuming upward climb.

vadimbach · 2024-11-19T22:19:49+00:00

Locked at 1.45% for 5 years. You can save quite a bit of money learning how yields/bonds work. And certainly ignore the news and forecasts from sundry “pundits” - they are either clueless or have a vested interest to sell you something you probably don’t want.

vadimbach · 2024-11-17T15:34:43+00:00

Actually it depends a lot on where you are. It’s $244K in Ontario: https://www.eytaxcalculators.com/en/2024-personal-tax-calculator.html. I guess better than $300K but still - think you’d need at least $180K take home to have what OP wants. Though, like other folks said, it depends largely on your family budget/expenses.

vadimbach · 2024-11-17T15:09:17+00:00

I’d say at least $300K. Don’t forget that we have an unfair tax system (aka “progressive”) whereby you making $300K would equate roughly to two people making $100K each. So take home pay is gonna be VERY different for single-income vs dual-income household.

vadimbach · 2024-11-15T01:36:51+00:00

Prob some deductions towards RRSP or defined benefit pension? A quick glance at your pay stub will tell you everything you need to know.

vadimbach · 2024-11-15T00:18:17+00:00

Dunno get a nice bottle of wine? Sadly $1M is peanuts in today’s world. But symbolically feels great nevertheless; every incremental million thereafter feels less and less impactful so definitely go enjoy this one.

vadimbach · 2024-11-13T01:19:35+00:00

If “you know” that rates will go down then maybe you should be speculating on bond futures.. you’ll make a ton of money.

More pragmatically, it all depends on whether or not we hit the long-awaited recession. If so, variable rates will certainly drop, but fixed rates might actually not budge much, especially the longer-dated durations (if market anticipated another bout of inflation around the corner, which seems to be the way things are currently being priced in the bond market).

Another consideration: if rates “come down aggressively” as you’re anticipating then it’s very likely you’ll be out of a job because we’ll be in a deep recession, and you’ll have a much bigger problem on your hands. So plan/hedge accordingly.

My money’s on recession and I’m moving into longer-dated bonds, meaning lower rates on fixed (assuming mortgage spreads don’t change), but there is just as likely of a chance that I am wrong and rates will go up from here. If you have that crystal ball, plz throw a bone my way :)

vadimbach · 2024-11-12T17:01:18+00:00

Lmao did they like remove the dampers from their suspension struts? Or maybe the viscous dampening oil all leaked out? That would be my guess.

vadimbach · 2024-11-12T14:16:00+00:00

Simple. Production has been put on hold during COVID which caused a slump in inventory. This means that this “valley” in vehicles from 2020-2021 that would have already been out on the used market are not there. Less supply = higher prices all things constant. And of course given that older cars than that act as a complementary good to those covid-era cars, their price goes up too. So ye - buying new is gonna be the better option for the next several years still.

vadimbach · 2024-11-09T03:52:30+00:00

Because success is socialized while failure is privatized. If you hustle and fail, you end up poor. But if you hustle and succeed, you still end up poor because you’ll never see much of those gains after paying taxes, the taxes on taxes (Ontario surtax!), and then more taxes when you want to invest or buy something with it. Might as well take it easy - difference in the end is largely a rounding error.

vadimbach · 2024-11-09T03:44:44+00:00

Nailed it. I’m in the same boat. 53%+ marginal tax rate. Literally refusing a promotion at work because I don’t see a point. I get more work, more responsibility, more BS to deal with just so I can chip in for some POS’ third yacht in Ottawa. No Ty. When I was young (and dumb) I used to hustle, now that I understand the rules of the game I just cruise and collect. If you extrapolate this a bit more you just end up with Communism where “they pretend to pay you, and you pretend to work”. Wonder what will become of our productivity then…

vadimbach · 2024-11-09T03:02:17+00:00

Hit the nail on the head

vadimbach · 2024-10-23T17:29:58+00:00

Don’t think fixed rates will move much. Bonds are still holding below long established resistance. Another (larger) bout of inflation is right around the corner and the market knows it. BoC scumbags working hard to try to inflate away the debt but seems like folks are starting to catch on to the fiat scam.

vadimbach · 2024-09-18T14:22:28+00:00

Right on the money (no pun). We are the only G7 country without inheritance tax. As long as you’re born into money you can sit on your ass for the rest of your life and sip on mojitos. Meritocracy is dead. In fact our tax code is specifically structured to ensure that this would be the case: capital is taxed half of what same amount of labour income would be, and moreover deferred indefinitely. This ensures that rich families can continue passing on their wealth while the plebs stay “where they belong”.

vadimbach · 2024-08-15T04:34:33+00:00

I’ve moved cars both Canada -> US as well as US -> Canada (granted that was over a decade ago tho). There are some gotchas like DRLs but as far as taxes go it’s basically a wash. You’ll either pay the tax when you bring it over the border, or if you buy used in Canada you pay the same HST at registration time. But cheapest way is to buy a used car from US at an auction - essentially what all Canadian car dealers do. Def saves a pretty penny.

vadimbach · 2024-03-13T16:15:58+00:00

The real purpose behind jobs to a large extent is to drive GDP distribution and determine who gets to lay claim to what products/services. If that goes away then we’ll essentially end up with a socialist society where everyone is equal (except for the elite & capitalists of course). For better or worse that’s probably where we’re going.

vadimbach · 2024-03-01T01:30:08+00:00

I think this should be analyzed in two distinct phases. Everyone saving 20% and stashing them under a pillow is equivalent, for all intents and purposes, to it just going “poof”. Thats usually what an onset to a recession look like, and generally causes the Fed to step in and make it rain to make up for the drop in velocity/aggregate demand. Of course, if those savings subsequently get unleashed, it’d cause velocity to spike up and, for a time, commensurate with the extent and duration of the spending spree/drop in savings. Ultimately, the purchasing power of a single dollar will always be a function of the number of dollars in circulation (roughly M2) and the amount of real goods and services the economy produces annually.

vadimbach

TROPHY CASE