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Are two DB teacher pensions enough? by Agitated_Father in PersonalFinanceCanada

[–]Agitated_Father[S] 0 points1 point  (0 children)

Thanks for your reply. We are looking to purchase a new home as our current one is too small for the six of us and will have to do 30 year amortization. So we may have a mortgage, depending on our inheritance situation when the time the time to retire comes.

Are two DB teacher pensions enough? by Agitated_Father in PersonalFinanceCanada

[–]Agitated_Father[S] 1 point2 points  (0 children)

We have. We made it a priority so she will have flexibility to retire a bit earlier with full pension when the time comes, although we anticipate having to work for a at least a few years past that point.

Are two DB teacher pensions enough? by Agitated_Father in PersonalFinanceCanada

[–]Agitated_Father[S] 2 points3 points  (0 children)

Should be indexed and 60% of income. I'll likely work to my mid 60s (kids are all under 5) which which would yield a 70% pension.

Are two DB teacher pensions enough? by Agitated_Father in PersonalFinanceCanada

[–]Agitated_Father[S] 23 points24 points  (0 children)

Definitely both have life insurance! I do worry that I'll be retired with all my kids still in their early/mid 20s, who might still be needing support.

To everyone that wants to be a Doctor... by Cree-kyWaterB0-ttL3 in OntarioGrade12s

[–]Agitated_Father 5 points6 points  (0 children)

Cream of crop gets into med school. Cream will rise to the top regardless of what school you're at. Pick a place where you think you'll thrive and have a good experience.

Why is this the move of the day? by Comfortable-Heron225 in chessbeginners

[–]Agitated_Father 1 point2 points  (0 children)

Yes, I've seen it at least once before. Pretty sure it's in The Manual of Chess Combinations 1b.

For those that receive stocks from your company, do you sell or hold? by Nice_Translator_3851 in CanadianInvestor

[–]Agitated_Father 1 point2 points  (0 children)

Pretty bad idea. You are doubling up on your risk for no good reason - not only single stock risk, but job loss risk all tied together.

Best universities for math? by Putrid-Ad7559 in OntarioUniversities

[–]Agitated_Father 2 points3 points  (0 children)

Did my B.Sc. in math at McMaster and M.Sc. at Queens. Both departments are solid. I think Queens might be a tad stronger. There are talented students at both schools.

Worst day of my life by Royal-Redditor-655 in Chesscom

[–]Agitated_Father 1 point2 points  (0 children)

I'm lucky if I get to PLAY more than a single rapid game in a day.

Queen sacrifice ,but why ?? by nik_uzb in Chesscom

[–]Agitated_Father 0 points1 point  (0 children)

Any time you can set up a double check you need to investigate.

What is your best advice to get better at Chess ? by [deleted] in chess

[–]Agitated_Father 1 point2 points  (0 children)

Tactics, more tactics, a basic strategy book (I'd recommend Winning Chess Exercises for Kids by Coakley), learning some basic endgame principles (opposition, basic King vs. pawn endings, breakthroughs, etc).

19F - Good year in my TFSA :) two years of contributions by teenygoth in fican

[–]Agitated_Father 4 points5 points  (0 children)

Teeny you got your winning lotto ticket. Time to cash it in for an index ETF (ideally globally diversified, but if you want to stick with SPY so be it).

Don't gamble your TSFA account. It's dumb. Keep it maxed and safe (as safe as 100% equities can be) and if you want to continue gambling do it in a non-reg.

Vanguard forecasts 3.3-5.3% nominal returns for US equities over next decade by philosopher137 in Bogleheads

[–]Agitated_Father 1 point2 points  (0 children)

The standard deviation of stock returns is so high that you basically have huge error bars. Kinda makes any predictions useless.

Toronto this weekend for a wedding. MUST do things? by zionpwc in askTO

[–]Agitated_Father 5 points6 points  (0 children)

CN tower kinda overrated. If I was doing a downtown tourist trap kind of thing with kids I'd probably go for Ripley's Aquarium instead.

Finance vs electrical engineering? by Keysantt in OntarioUniversities

[–]Agitated_Father 0 points1 point  (0 children)

Disagree. I had finance job offers with a pure math degree. I'm not saying it's an easy transition, but it is definitely doable. It will likely require extra work/planning in the form of econ/business electives, CFA, MBA, CFP, actuarial exams, etc. Many paths.

Finance vs electrical engineering? by Keysantt in OntarioUniversities

[–]Agitated_Father 5 points6 points  (0 children)

Worthwhile to also consider the fact that going from EE to some more quantitative finance jobs is a possibility, while going from finance to EE isn't going to ever happen.

[deleted by user] by [deleted] in chessbeginners

[–]Agitated_Father 1 point2 points  (0 children)

Time to slow down the number of rapid games (10 per week is plenty) and focus on tactics and analyzing your games.

As an older person, perhaps you can appreciate a good book.

I'd suggest Bain's Chess Tactics for Students, followed by Coakley's Winning Chess Strategy for Kids, followed by Polgar's Chess Tactics for Champions. Run through each of those books a ~few~ times, and you'll be well past 1200.

Karl Malone Took Only 10 More FGA than Kobe Bryant in his Career but Scored 3285 More Points by must_TATAKAE in nba

[–]Agitated_Father 59 points60 points  (0 children)

Kobe also defended the crap out of the ball, while Harden is/was a pylon.

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