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  1. LePhillou

    Banks and credit cards

    Imagine though Borrow a couple 100 grand, put it all on Gamestop and make out like a bandit (aka every "i couldve gotten rich" story)
  2. LePhillou

    Banks and credit cards

    And upbringing. If you're taught concepts of saving and delayed gratification it'll come more naturally. Especially in this day and age of non stop dopamine at the end of your fingers. If you get an allowance and are guided and encouraged to set goals and save up for them, etc. from a young...
  3. LePhillou

    Banks and credit cards

    Still, about half of canadians are paycheck to paycheck...and half of them carry a balance month to month on their credit cards. I generally flip flop and might carry for a few months (looking at you end of the year with anniversary, birthday and xmas within one month!!!) but it's nothing i...
  4. LePhillou

    What are you currently playing?

    @mimico_polak starcraft 2? AS for myself my life's been consumed with BG3 It's uh may zing
  5. LePhillou

    407 tolls, a big issue?

    oh once you get recorded at the on-ramp, youre locked in at that rate until you get off. i mean it's still a mileage rate in the end...
  6. LePhillou

    407 tolls, a big issue?

    Oh i'm talking about something more dynamic instead of having it on a schedule. Based on entries on the 407 the rates increases or decreases. Rate goes up when you first get on with a sign and website showing live what the rate is. If you're at 0% occupation you pay the cheapest rate to get...
  7. LePhillou

    407 tolls, a big issue?

    Think about it, surge pricing but for the 407
  8. LePhillou

    407 tolls, a big issue?

    Until traffic increases to the point that the toll isn't as worth it anymore
  9. LePhillou

    Stocks

    But did you buy at the dip? :p
  10. LePhillou

    Did you exercise today?

    Skied on saturday at glen Eden, gorgeous day with kiddos and their friends Lifted on sunday Good times.
  11. LePhillou

    Stocks

    I am so closing my eyes today and saying "JESUS TAKE THE WHEEL"
  12. LePhillou

    Stocks

    i like that...maybe ill consider wealthsimple, yet another platform/account LOL i've got investease (just MF), direct investing (stocks and other things) which is similar to investors edge and another basic investment rsp where i can put part of my bonus towards (also MF but i dont really...
  13. LePhillou

    Stocks

    XEQT anyone? I'm thinking of getting in for longterm savings but i dont like the idea of the trading fee for each transation I have money a bit all over the place so i think i need to consolidate.
  14. LePhillou

    Garmin Drops a Motorcycle Radar System With Blind-Spot Monitoring, and a Rear Camera

    I've used it (similar other garmin device) with my bicycle...what's kinda cool is that you just need one in the group to work for all bicycles in the group. On long rides i'm A LOT LESS likely to look back so this is truly a nice to have. Some won't ride without it. But i don't really care...
  15. LePhillou

    Did you exercise today?

    Ski day at blue mountain. Conditions were as good as they could be for that hill.
  16. LePhillou

    2024 GTA Photo Tag!

    Well ACKSHUALLY it's a picture format 🤓 But it is a pretty nice shot. Thanks for helping me get out a bit more today fellows and ladies To many more tags in 2025. Hopefully that don't get sniped as much
  17. LePhillou

    LA Fires

    Press conference said they'll be grounded till Monday, so... i guess there's a fastpath to get things done in emergencies like this
  18. LePhillou

    LA Fires

    Heres the damage
  19. LePhillou

    Did you exercise today?

    I had this wild idea that i was gonna do this more this winter. But the winds are wild and the commute is just under an hour each way. Might consider it when it gets back around 0C. In the meantime im on my bike trainer in my basement
  20. LePhillou

    Did you exercise today?

    bike sunday run monday bike tuesday lift wednesday probably gonna bike tonight?! i really gotta get myself a proper half rack though, those squats are gonna be dangerous otherwise
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