Ceejay

[reni, the resource | finance & travel @xoreniii]

$5k extra in our TFSA is a bribe. How many people can even max out their TFSA? Remember to vote in your best interest, not imaginary rich future you

[Ceejay @Ceejayo_]

@MarkMcGrathCFP Have you considered the Cadillac Lyriq at all ? I was all in on the Model Y until they released the refreshed one and I saw the lyriq

[Aadit Sheth @aaditsh]

The man that started Netflix really won in life

[SeattleDataGuy @SeattleDataGuy]

Companies tend to do things in the wrong order when it comes to data teams.

Even 10 years after the data science hype started, most companies still hire a data scientists or machine learning PhDs prior to hiring a data engineer.

Then they start to wonder why they aren't getting any of the benefits from their new employee.

Here is probably what is happening.

1) The new data scientists is excited to try to solve your business problems
2) They start to figure out where all your data is and start to try work with it
3) The data is messy and they start to clean it up in a Jupyter Notebook
4) They start to find limitations such as the data isn't integrated and perhaps doesn't track historical data so they create some more functions to manage that.
5) The Jupyter Notebook is too slow
6) They start to automate some of the processes
7) They realize there should be some form of a data warehouse/data lake that stores data sets that are reliable
.
.
.
.
.
58)They end up just being a data engineer

[Ceejay @Ceejayo_]

Me and using case statements to fix crappy data

[SeattleDataGuy @SeattleDataGuy]

There are a lot of "easy fixes" in data that aren't the right solution.

They either add unnecessary tech debt or don't really improve the situation.

Here are 3.

1. Let's just fix it in SQL - It can seem really easy to fix business logic in the SQL layer rather than from the source. However, this means, in the long-run, anytime that business logic changes, your team needs to update the SQL as well. It's far more impactful to get the source team to ensure the data is right where they create it rather than in the data warehouse.

2. Let's just add more data quality checks - Data quality checks are necessary. But too many become noisy and coupled with no real change occurring leads to people ignoring them. Less critical data quality checks can be aggregated into a dashboard and reviewed on a normal cadence and connected to larger projects. For example, perhaps your data pipelines keep landing late. Instead of being pinged every morning, this is an opportunity for a larger initiative.

3. Let's just build this real quick - This is great for a POC but POCs and temporary solutions often become permanent.

Do you have any other examples?

[Ceejay @Ceejayo_]

@engineers_feed 15

[Ceejay @Ceejayo_]

@mynewlife2017 @ShaziGoalie I think investors accepting the cost of doing business now that rates are high while also complaining about high rates are and how quickly they were raised aren’t mutually exclusive considering the unprecedented times that we are in

[Ceejay @Ceejayo_]

@mynewlife2017 @ShaziGoalie I definitely agree with you that investors who pick a vrm should enjoy times when rates are low and accept the cost of business when rates are high, but at the same time I’d counter that rates are the highest they’ve been in over 2 decades while seeing the most aggressive hikes

[Ceejay @Ceejayo_]

@mynewlife2017 @ShaziGoalie Can’t lie as an investor, I’d still always go variable rather than fixed even knowing everything that I do now about the last 2 years. The flexibility and reduced cost of breaking a variable rate mortgage is too high to ignore

[Brennan Schlagbaum, CPA @Budgetdog_]

When I was 20, I wanted to be a Millionaire.

When I was a Millionaire, I wanted to be 20.

[Ceejay @Ceejayo_]

Things like this only make it difficult for lower income/credit applicants in the future cause the landlord will just tighten up renting requirements. The LTB really needs to get their shit together tbh 🤦🏾🤦🏾

[S @mortgageagentsn]

I might get backlash for this, but here it goes:

It’s better to rent and spend money on experiences with your family than work 4 jobs to afford your mortgage payment with your family falling apart.

Love, family, mental health over a property.

[Ceejay @Ceejayo_]

Can’t lie 2023 has taught me that realtors & brokers are the true winners in all real state transactions. They both get a % of transaction for zero risk

[Ceejay @Ceejayo_]

Really good thread on tax planning strategies for people in Canada 👏🏾👏🏾

[Aaron Hector, R.F.P., CFP, TEP @AaronHectorCFP]

In early April I posted a series of advanced planning threads on the new #FHSA acct.

Below is a thread of threads, including the link to the starting post of each of those threads, plus more.

PS - Sorry in advance for all of the Vince McMahon memes. I won't do that next time 😅

[Ceejay @Ceejayo_]

!!!!

[Mark McGrath @MarkMcGrathCFP]

I'm a landlord.

At one time I thought I would build a portfolio of rentals.

I absolutely cannot stand it and can't wait to sell and never do it again.

No liquidity, high fees, and lots of headaches.

Some people are cut out for it.

I am absolutely not.

[Zach Wilson @Zachly]

The day I learned CASE WHEN can go inside SUM was a magical day!
#dataengineering

[Ceejay @Ceejayo_]

@AaronHectorCFP Random question though, assuming you’ve the RRSP contribution room and live in a house you own, is there a benefit of contributing to FHSA rather than RRSP ?

[Morning Brew ☕️ @MorningBrew]

trying to predict what JPow is gonna do at the March meeting

[Genevieve Roch-Decter, CFA @GRDecter]

The last thing Americans see before watching their portfolio crash and losing their jobs.

[Ceejay @Ceejayo_]

Jerome if you’re reading this please don’t raise rates on March 22nd 🙏🏾

[Ceejay @Ceejayo_]

Powell truly gives no fucks 😂😂

[INVESTMENT HULK @INVESTMENTSHULK]

HAHAHAHAAAAAAHHAHAAAAHAHHAAAAAAAHAHAHAAAAAAAAA…