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metronome

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metronome last won the day on August 12 2022

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3,577 Someone you can trust to help bury a body in the woods

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  1. My guitars are so neglected. I'll dust them off and take a pic for the thread.
  2. Co sign @Joker on the retirement saving. The easiest way to save is to set up a recurring auto deposit, you save monthly/biweekly/weekly and you never even notice you’re doing it. If you are self employed this is obviously a little more tricky.
  3. We kind of have books littered all through out the house. I didn’t bother taking pics of the kids bookshelves.
  4. Matt Kerley is awesome, that would be a killer choice! I've always thought it would be fun to get something like a Matt Arriola tsuchigumo on my thigh but I don't think my wife would love looking at that every time we bang.
  5. Anybody have anything fun lined up? I am trying to set something up with Tony Hundahl at the end of the year but haven't heard back from him or the shop about it.
  6. Great bump! I need to clean mine up a bit but I'll be back in here.
  7. Processed foods are bad! What the fuck is going on up here?
  8. Glizzy night this presented terribly - there is sautéed onion & jalapeño under there
  9. This guy got away from me. My peel was too small but we made do. Sweet peps + jalapeño
  10. They’re most comparable to a bank bond I guess, we call them a GIC (guaranteed investment certificate). They don’t make a ton of sense when rates are low but they’re returning around 5% right now so I have a bunch of them pooling up and coming to term when my mortgage is up for renewal. These would be separate from my long term investments, just buying these anytime I have a little spare cash. Goal is to be mortgage free asap.
  11. @fat ralphyI think the biggest difference between our mortgage lending practices is term length. Most Canadian lenders aren’t going longer than 5 years or so, it is possible to go longer but usually you have to sacrifice on rate for that. You can also make your choice here between fixed vs a variable rate, it all depends on the type of person you are and how closely you watch the rate trends. One of the big concerns in the Canadian housing market is supply. The other big one right now is so many home owners are massively over leveraged because they bought in inflated markets (Toronto, Vancouver) with low pre Covid rates and now a lot of those mortgages are coming up for renewal. Most mortgages here will have rules about how much you can pay down your principal per year over your regular payments (mine is 25% for example). I saw the writing on the wall in 2021 when our rates were at their lowest, paid a small penalty to break my mortgage and renegotiated (went from 2.9% down to 1.79) which ended up saving me ~12k in interest. Now I’m at the point where most short term investments are returning well over my mortgage rate so it’s a race against time to stack it up to plunk down when my renewal comes up and you can pay into your principal with no penalty or limits.
  12. This one reminds me of that Russian pop group from Eurovision. Little Big.
  13. I'm kind of jealous you Americans are able to sign long term mortgage agreements. I'd love to have sub 3% locked in for the longevity of the mortgage. I have 1.79% left for another 27 months or so. I'm scrimping every last dollar I have in short term investments to try and stack as much up so when I have to renew so I can knock off a big chunk of the principal before my rate goes up.
  14. Yeah, really fun book. The first of anything of his I've read (watched The Sandman on netflix) and really enjoyed that.
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