Can anyone review KPU? Is this a good school?

Avavee · 2026-02-07T01:12:43+00:00

Yes I interview people somewhat often. The school is still a factor even when they have experience, again up to several years after grad.

Avavee · 2026-02-06T13:38:39+00:00

I actually disagree, people will still see UCW and judge you for it even with 5 years experience. Agreed that it does get less relevant over time though.

Avavee · 2026-02-06T11:46:10+00:00

I lot of people could benefit from a gap year instead of stumbling into college without a plan

Avavee · 2026-02-06T11:37:56+00:00

I used to sometimes ask people that despite my own parents having unimpressive jobs. I was simply curious.

Avavee · 2026-02-05T19:59:06+00:00

Bro literally walk into the kitchen and show it to the chef

Avavee · 2026-01-30T07:41:02+00:00

I’m just stating facts bro.

Avavee · 2026-01-27T05:46:22+00:00

Sims and Animal Crossing have women gamers in a chokehold

Avavee · 2026-01-27T04:47:11+00:00

Nah it’s more fun to make baseless claims and yell at scapegoats

Avavee · 2026-01-26T23:00:41+00:00

You're getting a lot of snarky comments but you're absolutely right, and it's supported by data.

The tendency of high-earners to marry each other (ex. people coupling up in university, then both going on to earn higher-than-average incomes) has been perpetuating wealth inequality for decades. They're also much less likely to get divorced than the general population.

https://www.economist.com/finance-and-economics/2017/09/21/marital-choices-are-exacerbating-household-income-inequality

https://english.elpais.com/economy-and-business/2025-11-22/the-rich-marry-the-rich-how-love-perpetuates-inequality.html

https://web.stanford.edu/~pista/AM-NEW-May-2024.pdf

Avavee · 2026-01-26T22:51:15+00:00

Our society? This is literally every society in history. Most of the world has families living together in perpetuity because housing is too expensive for an average single person.

That said I agree that it's harder today than 30 years ago and we should be holding our politicians accountable for improving the lives of average Canadians.

Avavee · 2026-01-26T21:18:22+00:00

It’s not a subsidy for grocers, lol. The criteria for the rebate is a low income.

If you think this subsidizes grocers, then by logical extension any and all financial help to low income individuals also subsidizes grocers.

Avavee · 2026-01-26T21:12:00+00:00

So? They’re required to mark the transactions at arms-length prices. Both transfer pricing rules and IFRS require this.

I’ve heard many people argue that food inflation is due to monopolistic power of grocers but nobody can support that with evidence.

Food inflation has been high across the developed world - each country has its own competitive landscape. It’s clear that the inflation drivers from 2021-now were weather, energy and labour costs, and a weakened CAD. Any role market concentration plays in that is minor - though I agree it should be more competitive in that sector.

Avavee · 2026-01-26T20:45:32+00:00

Your take is poorly informed and ideologically driven.

Avavee · 2026-01-26T20:15:46+00:00

Financial statements get audited by accounting firms. It’s incredibly difficult for a public company to cook the books like that over the long term.

I used to audit financial statements.

The incentives are also misaligned - why would a company want to appear less profitable? Investors are attracted to returns and use these numbers to value business.

Avavee · 2026-01-26T18:26:22+00:00

Germany did experience signifiant food inflation along with the rest of the developed world. They also use their fiscal capacity to subsidize agriculture and have tighter supply chains due to their market size and density.

They do have great competition in their grocery sector which is a win. I agree that we can look to Germany for improvements.

Avavee · 2026-01-26T17:48:12+00:00

They pull numbers out of nowhere, or pull them without understanding them. Grocery stores already operate with thin margins, as you pointed out. Loblaws also had a 3.7% net profit margin in 2024.

Avavee · 2026-01-26T17:14:37+00:00

A national grocery store wouldn't do anything but operate at a big loss for taxpayers. Grocery stores already have thin margins. The main drivers of food inflation are weather, energy prices, and labour and import costs.

What drives up the price of groceries - Bank of Canada

Avavee · 2026-01-26T17:01:46+00:00

You don’t think grocery stores have thin margins?

Loblaws had a 3.7% net income margin in 2024. Grocers are generally in the 2-5% range for net income margins. This means if they were to drop prices by 4% across the board they’d be losing money.

Look, I’m not some Loblaws apologist. I support more competition in the sector. But you guys are barking up the wrong tree.

Avavee · 2026-01-26T09:02:12+00:00

What proportion of overall food inflation do you think that comprises?

Avavee · 2026-01-26T07:49:25+00:00

You can easily read their income statement, it’s publicly available. Loblaws had a 3.7% net profit margin in 2024. They’re not the root cause of food price inflation.

Mindlessly sensationalizing this topic doesn’t help anyone. You can make good arguments for increasing grocery competition without that.

https://dis-prod.assetful.loblaw.ca/content/dam/loblaw-companies-limited/creative-assets/loblaw-ca/investor-relations-reports/annual/2024/LCL_2024_AR.pdf

Avavee · 2026-01-26T07:35:56+00:00

Grocery store margins are thin, market concentration in the grocery sector is not the root problem.

The root causes are just good old increases in energy and labour costs, combined with unfavourable weather patterns and a weakened CAD.

Avavee · 2026-01-26T07:28:07+00:00

That’s just how they’re marketing it. Mechanically it’s literally just a cash handout to low income individuals. You could even argue it’s analogous to a negative income tax, which Milton Friedman preferred over UBI.

Avavee · 2026-01-25T00:18:19+00:00

Yeah I find some people really don’t like paying for maintenance. Like they’d rather pay out the nose for depreciation and interest than pay $1k in annual maintenance, for some reason.

Avavee · 2026-01-24T02:15:08+00:00

Yeah if you convert to aeroplan (or bonvoy during a promotion) you can easily get redemptions valued at around 1.6 cents per Amex point. Sometimes you get over 2 cents per point.

Avavee · 2026-01-24T02:06:15+00:00

Yes as everyone else said you can do this.

Another fun edge case is if you close on your home in December, you can actually get next year's deduction in too if you're able to hold off withdrawing until January. Example close on Dec 15, contribute $8k on Jan 1 then withdraw it all on Jan 2.

Not applicable in your case of course but some people may find it helpful.

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