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heckler's posts

17559 posts found

July 1, 2022, 12:35 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: I want this

Posted by: shoreboy

I dont think the Lezyne one ratchets? In my experience, the torque tube mini screwdrivers are next to useless. I tried the Silica one, and it was impossible to tell if you were at 2 or 10nm of torque as the gradations are so close.

true enough, no clickies or ratchet.

June 30, 2022, 9:26 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: I want this

needs moar torque.

https://www.mec.ca/en/product/6011-082/torque-drive-wrench?colour=NO_COLOUR

June 30, 2022, 5:52 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: MVOD

and then take away the multimillionaire french DJ, and support the original artist. So far, the original is winning in views!

French inspired song. Song by a Nigerian Beat from a Ghanaian. And Amapiano Sound from South Africa. This is a global hit.

https://www.youtube.com/watch?v=lnZTVUUwgpY

June 30, 2022, 5:37 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: MVOD

My entry off my AronChupa mix. The energy in these kids is :fire:.

https://www.youtube.com/watch?v=rQKkwTMMxdc&list=RDl-sZyfFX4F0&index=18

June 27, 2022, 5:28 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: Knowledge for taking over a business

Cheers Davie, Welcome! My spidey senses were tingling when you posted two new threads with no response to either.

He checks out, don't ban him @vikb. https://nsmb.com/forum/forum/gear-4/topic/what-seats-do-people-recommend-132439/

/end spam filtering

fuck, I hate spam phone calls and IG bots I keep getting.

June 23, 2022, 6:30 a.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: Knowledge for taking over a business

The twitter handle of the same name is a crypto bot.  

Hi Dave, welcome.  What bike do you own now?  You are more than welcome to post here if you aren’t AI.

June 21, 2022, 6:26 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: ebikes on the Shore

The jealousy was high this weekend with a buddy and his Kenevo Expert with a Boxxer on it.   Did that ever bring back memories of braapp with the Kawasaki!

But we didn't let him shuttle with us.  Had to climb with the pedalers in the group.

June 20, 2022, 5:20 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: How much do you know about financial independence?

Posted by: XXX_er

i've known people who fucked up their investments all on their own

I have a buddy who had to come to the city to buy stable silver after BTC crashed on him.  Sigh...

June 20, 2022, 5:18 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: How much do you know about financial independence?

Posted by: Vikb

Best thing I ever did was get rid of my Financial Advisor. The parasitic drag of their fees would have cost me hundreds of thousands of $$ over the course of my investing life. 

I ditched my FA mutual funds in 2014, when I learned what the "benchmark" was, and why my mutual fund turned $10K into $17K instead of $22K over the past ten years.  If anyone wants help understanding their mutual fund performance, drop us a fund number (such as AIM1581)

https://www.theglobeandmail.com/investing/markets/funds/full-chart/AIM1581.CF/

Even comparing index funds, I figured out that VTI (US, 0.04% MER) instead of VUN (CA, 0.16% MER) would save us $111,000 over 25 years!  Same holdings, just different fee.  That's long term thinking.

June 20, 2022, 9:45 a.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: How much do you know about financial independence?

I’d best not show XXXer my Big Spreadsheet then.

June 19, 2022, 2:47 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: How much do you know about financial independence?

Posted by: Vikb

This article discusses some ways around this without being out of the market for 30 days:

https://canadiancouchpotato.com/2020/11/05/finding-etf-pairs-for-tax-loss-selling/

June 19, 2022, 2:45 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: How much do you know about financial independence?

Posted by: niels@nsmb.com

Yes I know about the superficial loss rule, from what I understand it can be avoided by switching to an index fund that has similar market exposure but tracks a slightly different index.

Haven't TLH myself, but it's on the radar, being in the red on VCN purchased this past year. Not deep enough yet to bother, only -$0.19 per share less than ACB.

https://www.taxtips.ca/glossary/adjusted-cost-base.htm

Also be aware across your and spouse accounts, that the same ETF you sell at a "loss" cannot be repurchased for 30 days (including an automatic dividend reinvestment you might have set up previously.) This is causing me to pause, as I have VCN in 4 accounts still.

Your post leads me to point out...

https://canadiancouchpotato.com/2010/03/05/put-your-assets-in-their-place/

especially as interest rates start rising, bonds to RSP, US to RSP, Canada to non-registered. Still slowly rebalancing my VCN out to non-reg.

June 15, 2022, 4:59 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: Rage, chaos and crashes are ignored realities of life in the biking mecca.

https://www.cbc.ca/news/canada/british-columbia/rcmp-investigation-cycling-crash-kamloops-1.6488875

slow down, or it'll be your fault.

I actually kind of agree with this one.  I can see speeding down a long hill in the loops and surprising a driver turning across the bike lane, when there was no bike, suddenly one there.

June 15, 2022, 4:55 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: ebikes on the Shore

Posted by: skooks

Don't blame bike shops for not wanting anything to do with off-brand ebikes. 

https://www.timescolonist.com/bc-news/explosion-of-e-bike-battery-caused-fire-mans-death-at-downtown-eastside-rooming-house-sro-owner-5469404

Makes me wonder if said bike/scooter included a matching charger....

June 15, 2022, 4:43 p.m.
Posts: 18,251
Joined: Oct. 28, 2003
Re: bitcoin

Posted by: earleb

I keep getting a message from the broker about a "margin call" is that good?

You won!  Just delete the app, it'll be fine.

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