u/RA_Finance

It seems like ever since I was born, my parents have been paying off some form of debt and barely investing.

In the early 2000s, they got duped into buying some stocks by some family members and lost their investment. They then gathered some money and came to Canada, and ever since then, every single moment of their lives has been about paying the bills.

The only investments I think they have made are my RESP, a plot of land, and some ounces of gold from TD Precious Metals.

Not a single dime into an ETF, stocks, bonds, or GICs. I think their life consists of paying off their mortgages and credit card bills. I know that different people have different risk tolerances, but it seems like they are of an older generation(especially of an immigrant background), and they have no idea how to invest money.

They also made a poor decision to mortgage one house to get another house.

Now I am left wondering how the hell they will plan for retirement. They don't even have an RRSP and a TFSA set up.

It has put a bit of pressure on me, because I fear that they think life will be all fine and dandy the minute I graduate from college. How should I deal with this?

What are some great books on American History? I found a few books, like 1776 by David McCullough and Waging a Good War by Thomas E. Ricks,

They need to be entertaining like a TV series and informative.

There used to be a time when a person arrived in a new country and had no connection to their home country or community, and that would compel them to assimilate. Vikram Darshan, the red-tilak-wearing Hindu, became "Vicky and Randeep Arora, the turban wearing sikh became "Ron". These two used calling cards to contact their family once a week, but they forfeited the chance to live in their own culture.

It seems like after the advent of the internet, migration and international TV channels, people can continue exactly where they left off. They can continue hearing news in their native language, watch their favourite shows like Tarak Mehta ka Ooltha Chasma minutes after they step off their flight. It also means that people will engage with the politics of their home country despite not being there.

This is something the Italians and Irish never had; they came here, and they had to abandon everything about their home country. It didn't matter what Mussolini did or what the potato famine was doing; they had to start a new life. Erase their identity or face catholic persecution from Protestants for even bringing it up.

Assimilation cannot truly happen in the modern era; what can only happen is integration. People don't seem to get this. It's not easy for people to change their identity to the whims of the majority anymore.

It might be something I missed, but why are the Jotnars of Jotunheim called giants? Atreus is a pipsqueak, and Faye is about Kratos's height.

Someone explain.

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Laufey didn't reveal its release date at State of Play, so I am going to assume it releases in 2028. Meaning it will only be on digital.

My first God of War game was: Ghost of Sparta, which I played on my PSP. It looks like Ragnarok will be the last physical disc I own from the God of War Franchise.

https://preview.redd.it/yz5dz53wbpah1.png?width=399&format=png&auto=webp&s=1a97830ae24177759111e458bedca2d465441d0d

Even though the release is slated for 2027, there is a high likelihood it might get delayed.. Uncharted 4 was supposed to come out in late 2015; it was pushed back to Spring 2016.

The possible 2027 release windows are Q2/Q3:

• April 1 – June 30
• July 1 – September 30

I am hoping it comes out on time and in disc format.

I heard a rumour that the PS6 might have a detachable External disc drive. However, given the recent news of Sony shifting to all-digital games for 2028, I am beginning to think backwards compatibility is not going to be a thing for people who purchased physical games.

What the heck are disc buyers going to do with their collection of games?

Only 15% of PS gamers buy physical discs

Walmart, Best Buy, GameStop, Amazon, and other game stores sell discs. Why didn't they just walk to the game store instead of clicking download? It's the same freaking price.

Now, once you buy something, you can't sell it to someone; it's placed into a digital account. And you bet your ass, they will charge the same amount of money for the games

I was quite staggered by the price of the PS5, and I began looking at much more affordable options; however, I don't know if it is worth the purchase when the next generation is right around the corner.

According to leaks, the PS6 will have a detachable disc drive and will be backwards compatible with PS5 and PS4 games. It will be, by my guess, about $1,149.

My question is, wouldn't it be better to save money for the superior console? 2027 is when huge titles like Fate of the Old Republic and Spider-Man 3 will be released, and the graphics will be above and beyond anything in the past.

Lennar Single Family family homes in Princeton, Texas

I've always thought that the problem with housing was that the houses people bought were too premium and oversized.

I knew a family member who bought a small house in Scarborough for less than $300k and, years later, renovated it into a monster house with more rooms and floors. I soon noticed that everyone was doing the same thing, which definitely inflated the housing market.

Is the solution to make more modular homes that cost less than two cars? In Texas, they are selling single-family homes for less than $180k($255k CAD). I am by no means an expert, but I think this might be the most affordable solution.

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The pod doesn't feel the same anymore. Andrew is away filming a movie, and I think Alex and Mark can't hold the fort by themselves.

It's time for a new member to join the crew and add flavour to the pod. Who would y'all want to be the Akaash replacement?

Ever notice that people on the internet comment on everything, and no one is an expert on anything?

I genuinely try to avoid heavy topics like politics and fiscal policy on the internet. I didn't study that shit in University and didn't care to. I used to get heavily involved in debates, but then got my ass handed to me by some dude who spent more time than me on the internet.

Even if I know something is true, someone will argue with me to provide data. I once got into a debate over a stupid topic like "Are parents who plan for kids more fulfilled than single adults?" I explained that my position was that a couple who has a meaningful endeavour or common mission, like raising children, will be happier and more specifically fulfilled than a couple who just hang around each other. A bunch of women came up to me asking me for empirical evidence and studies. My first thought was, what the fuck? You want me to spend time researching a general life opinion

I then found a study from the UK stating that married couples who planned for children were happier. Then, as always, the common retort is "that's only one study". Jesus fucking christ,

I am gonna be honest, I am not going to waste my time initiating a debate. I will keep my opinions, though right or wrong, to myself. I am not some researcher who spent months reading JStor and learning everything about a specific topic. Even something as simple as "Are Carbs and sugar bad?" is complicated.

I am currently outlining a big fantasy series, but I feel like showcasing my short stories, Opinion pieces, articles and novellas and building a foundation from there.

Which platform can I use to build my audience and showcase myself as a writer?

I have zero social media presence, and I want to be able to market my writing. Is there a platform where I can publish my fiction and non-fiction work alongside each other?

I am thinking of making TikToks, reels and a YouTube Channel for book recommendations and then advertise my writing there.

Canada beat Qatar in the World Cup match. WooHoo.

I can't help but notice that places in the Middle East have a higher GDP per capita than Canada and have very little income tax. Of course, they rely on their migrant slave labour, but it is quite interesting that people in Qatar don't really care about "migrants taking their jobs", while there is a whole anti-foreign worker sentiment in Canada.

Am I high or stupid? But shouldn't Canada be the greatest country on Earth with its sheer number of natural resources, proximity to America, and larger oil reserves? All I see are people lamenting about the cost of living and experiencing a technical recession (even though that was short).

There should be rapid growth and infrastructure being built. It might be my rose-tinted glasses on the Middle East, but strictly from an economic lens, shouldn't we have enough money to subsidize citizens twice over?

I am a person who reads mostly fiction, finance and graphic novels. However, today I figured that I need to challenge myself and read something thought-provoking, deep, serious and IQ boosting.

It can be any genre (Philosophy, Wealth, Politics, Science, Technology, astrophysics, Psychology, etc.),

Also, it doesn't need to be non-fiction either. If there are some kickass fiction books, let me know below.

I went to a movie theatre and had small popcorn with M&Ms and a medium soda. After the movie, I decided to buy two small Muscle Milk Protein shakes to store at home. I then decided to have a Chicken Shawarma (a bit greasy) and drink one small Muscle Milk shake to wash it down. After waiting for 20 minutes, I rode my bicycle uphill to get back to my apartment.

And it was at this moment that I felt terrible. My whole body was tired, and my stomach was burning with indigestion, and the sides of my hips ached. I felt pain in my abdomen and felt bloated, and I couldn't sleep for the entire night. I tried eating ginger, peppermint tea, taking a light walk and drinking water, but nothing worked. The next morning, I got some Pepcid and GasX.

Two days later, the bloating lessened, but my bowel movements weren't that great. I felt full and felt like hadn't had great digestion. Every time I drank water, I felt like I was expanding and my torso was tight. I also didn't have a lot of burps or flatulence.

Now my chest feels a bit tight, and interestingly, my back aches.

What could this be? Is this just the after-effects of exerting myself on a full stomach, or has my kidney been affected too?

I am planning on buying a used PlayStation 5. What are some good video game stores to buy from?

Hi folks, Pierre Poilievre here... just kidding

I am wondering which bank has the best high-yield savings account. I am hitched up with TD, and I don't really like their savings accounts or the many fees.

I also have a bad habit of using up my savings account when it's on the same app, so I think closing the TD account could help me.

The purpose of my HISA is to store my emergency fund. It's money I want to forget exists and let it compound over time unless something financially unfortunate happens.

So far, I looked up EQ Bank and Tangerine.

Let me know your thoughts down below.