ristea

Long story short, I've played Pandemic Legacy up until the April months. It was on a trip, and there is zero chance that group will meet up again to finish.

I want to start and finish Pandemic Legacy with my regular gaming group. 3 of the people have never played before, but I have (until April).

Will this significantly ruin the game? I obviously will try not to spoil anything, but at the same time I know some of the early mechanics that will appear. Thoughts?

Hi PF,

The consensus on this subreddit seems to be to invest instead of paying off your mortgage, since the stock market has historically had greater returns than the current interest rate on my mortgage (~2%).

But how does that change with a variable mortgage? I have flexible and generous options to make lump sum or monthly contributions to the principal of my mortgage. More than I could ever feasibly save in a year (i.e., the amount I can contribute to principal payments is almost as much as my salary), so assume that ALL of my savings can be put towards my mortgage.

I understand that if interest rates never change, I'll effectively only be earning 2.1% on my extra payments. But what if

Recently I transferred funds from my company's RRSP to my own personal RRSP. Checked all the options to indicate this was a registered-to-registered transfer, and not a withdrawal.

Come tax time, what will my forms look like (assuming I get two: one from each institution)? I'm curious if the deposit will show on the first institution there were deposited with, or where they eventually ended up.

Looking for a couple Make American Great Again hats for a themed party coming up...any idea if these are sold somewhere in Vancouver?

The general thought is that if you are saving for retirement (20+ years), it's OK to invest in equities since you are in it for the long-term. But what about savings through your employer's plan, where it's not certain that you'll be there until you retire (in my case, 100% certain).

Current example: I have a group RRSP with Manulife. This is only a small part of my savings, but I'm maxing out my employer contribution.

I'm following a rough CCP portfolio in the indexes that were available to me...but is this smart? What if I have to transfer everything out in a few years when I switch jobs and the markets happen to not be doing well? Suddenly my investing time frame isn't 20+ years, but &l

Hi PF,

The consensus on this subreddit seems to be to invest instead of paying off your mortgage, since the stock market has historically had greater returns than the current interest rate on my mortgage (2.1%).

But how does that change with a variable mortgage? I have flexible and generous options to make lump sum or monthly contributions to the principal of my mortgage. More than I could ever feasibly save in a year, so assume that ALL of my savings can be put towards my mortgage.

I understand that if interest rates never change, I'll effectively only be earning 2.1% on my extra payments. But what if interest rates go up in 5 or more years? Will the payments I make today be "worth more"

We've all seen it before: a new reader is looking to dive into a popular (and often long) series, and some recommendations are to begin somewhere not at the beginning (e.g., Deadhouse Gates for Malazan, Summer Knight for Dresden, etc.).

I wonder if we overlook a bias that we have, as readers who started at the beginning.

Unless you have actually, literally also began that series somewhere other than at the first book, how can you be sure that your recommendation will work?

It's easy to say "oh, begin with book 4, you'll catch up quickly," but what about all the time you spent with characters and the world up until then? That gave you a favourable outlook on the series, and undoubted