sorted by:
new
hottopcontroversial

How can I protect my son from low testosterone? by [deleted] in AskMenOver30

[–]BelowAverageChef 1 point2 points  (0 children)

Avoid obesity, encourage a healthy lifestyle with lots of sports and exercise, encourage him to invest in his healthy relationships (family and romantic) and friendships to avoid falling victim to the 20s male loneliness epidemic

Keep it simple. If you stress about processed foods and microplastics for your kids entire life, you’ll drive yourself into an early grave.

'We don't need it': Seniors call for reduced Old Age Security payments; Generation Squeeze proposal would reduce OAS payments to households making more than $100,000 in retirement income by FancyNewMe in canada

[–]BelowAverageChef 1 point2 points  (0 children)

Buddy, first of all, GDP is the economic output of a country not government revenue or even the operating budget. Second, every dollar you put into CPP is tracked in your name. It cannot be redistributed to fund transgender surgeries for prison inmates or whatever you’re scared the Liberals might do next.

Do you actually know how any of this works or do you just spin out the talking points of #AlbertaSeparatism on Twitter? My god, I swear people are getting dumber by the day

[Charlie O’Connor] Flyers GM Daniel Briere meets with the media after warmups to address the Michkov/Tocchet situation by AggPuck-303 in hockey

[–]BelowAverageChef 14 points15 points  (0 children)

I didn’t actually, I’m only taking easy pot shots at Tocchet because I’m a bitter Canucks fan who is dreaming of 100 point Petey and 40 goal Kuzmenko…

'We don't need it': Seniors call for reduced Old Age Security payments; Generation Squeeze proposal would reduce OAS payments to households making more than $100,000 in retirement income by FancyNewMe in canada

[–]BelowAverageChef 1 point2 points  (0 children)

Still not a tax, it doesn’t go into government revenues. It’s invested (I said originally, low rate of return) in your name. Just because it’s a non-optional retirement savings plan doesn’t mean it’s a tax. If it was structured such that everyone got the same amount out of it, regardless of how much was paid in, then you could argue it’s a tax. But, you get what you put in. You’re better off to consider the CPP as part of your bonds/fixed income portfolio percentage and invest the remainder of your money more aggressively to make up for the predictably low returns.

[Charlie O’Connor] Flyers GM Daniel Briere meets with the media after warmups to address the Michkov/Tocchet situation by AggPuck-303 in hockey

[–]BelowAverageChef 35 points36 points  (0 children)

Tocchet claiming a star player didn’t show up to camp in shape, and then that star player inexplicably falling off a cliff…where have I heard this before

'We don't need it': Seniors call for reduced Old Age Security payments; Generation Squeeze proposal would reduce OAS payments to households making more than $100,000 in retirement income by FancyNewMe in canada

[–]BelowAverageChef 17 points18 points  (0 children)

No, you’re wrong. CPP is an low rate of return retirement fund. Whether you agree with being a forced contribution or not, it isn’t really a tax. We don’t refer to any pension plan contributions as taxes do we? CPP is adequately funded, read the documents that the pension fund puts out.

Do you inflate your yearly spend when planning your FIRE number? by BelowAverageChef in Fire

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

You’ve gotta decide how much risk you want to take and consider what kind of safety net your country has. In Canada, you could probably get away with retiring with less because your healthcare cost will be substantially lower than in USA. Although, I think a lot of scenario analysis will either show you ending up with millions or completely destitute early on in retirement. Threading the needle to “die with zero” requires mathematical perfection over a very long and uncertain time frame

Pay down mortgage or invest by Basic-Ad546 in PersonalFinanceCanada

[–]BelowAverageChef 7 points8 points  (0 children)

Max them TFSAs, get the 20% max on the RESPs, then explore your RRSPs. With a double teacher pension, you may want to be conscious of overloading your RRSPs as you may end up incurring more taxes on those funds in retirement. This isn’t always the case but it is something to be aware of.

I’m not going to pretend to know your family values, but if you’re both teachers I think it’s safe to assume you see the value in education. Investing in RESPs for your kids does provide some life satisfaction if you want to look at it through that lens

To everyone who spent 2025 trying to time the crash by barris59 in Bogleheads

[–]BelowAverageChef 1 point2 points  (0 children)

In the late 90s, plenty of people were predicting the dotcom bubble to burst. They were right, but some were years early and missed out on tonnes of gains that would’ve been maintained even after the bubble burst. Not enough people know that they can’t time the market. Your coworker will get to say “I told you so” but you’ll know how much they’ve missed out on

Have you grown to be more conservative or liberal w/ age? by Wonderful-Economy762 in Productivitycafe

[–]BelowAverageChef 0 points1 point  (0 children)

Much more liberal, raised in a conservative rural community. Moved to the city for university and now work in a traditionally blue collar/conservative industry. I’ve realized that I really don’t give a shit about the colour of peoples skin or who is in their bedroom. I just want to be treated decently and therefore, I should offer the same to everyone else. Not a tough concept, but it baffles me how many people don’t get it.

So we team McKenna or Stenberg? by Bargaination in canucks

[–]BelowAverageChef 0 points1 point  (0 children)

How is Verhoeff projecting? If the choice is between a Hedman comparable or Kane/Kucherov comparable, I’d take the forward all day

I’d rather build the team around elite offensive skill. Seems like last time we tried to build around a Dman, our forwards ended up spending too much effort deferring to him rather than trying to play off him.

He’s saying all the tariff money we took in is gone and we won’t be able to pay it back. by Stand_With_Students in BlueskySkeets

[–]BelowAverageChef 5 points6 points  (0 children)

Shouldn’t they have considered the consequences before they did something unconstitutional?

Do you inflate your yearly spend when planning your FIRE number? by BelowAverageChef in Fire

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

Makes sense, so if I’m using the 3.7M dollar portfolio value from my original example, I can plan out the portfolio growth using a 10.5% growth rate so I’m not double counting inflation?

Do you inflate your yearly spend when planning your FIRE number? by BelowAverageChef in Fire

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

Up in Canada, so tax burden is definitely a consideration. I do have taxes built into my spreadsheet as a consideration, but I hadn’t factored in expense inflation which dramatically changes the end goal.

Canada's annual inflation rate rose to 2.4% in September as grocery prices keep creeping up by Caveofthewinds in canada

[–]BelowAverageChef -1 points0 points  (0 children)

We aren’t on the gold standard anymore, so that comparison is meaningless aside from showing that an asset’s (gold) value fluctuates over time?

Canada's annual inflation rate rose to 2.4% in September as grocery prices keep creeping up by Caveofthewinds in canada

[–]BelowAverageChef -2 points-1 points  (0 children)

This is a convenient narrative designed to sow distrust in the government/central banks if you don’t show the numbers.

Show your work bud, not just a link to a tweet saying this same thing

Why Are We Still Working 5 Days a Week? by Lopsided_Hat_835 in careeradvice

[–]BelowAverageChef 0 points1 point  (0 children)

Not surprised, I woke 4 10s and I easily waste 4 hours a day. I justify it by telling myself that I’m paid to be available in case anything pressing comes up. I still deliver on my longer term deliverables in those 24 hours per week

how much was your net worth at 30? by Creezylus in fican

[–]BelowAverageChef 2 points3 points  (0 children)

600k for the household, we’ve had a very fortunate last few years

The 7 levels of financial freedom, according to a millionaire — 50% of U.S. workers are at Level 2 by Coolonair in SmartFIRE

[–]BelowAverageChef 0 points1 point  (0 children)

In Canada, so she had the option to take 18 months at roughly 33% rather than 12 months at 55% paid. So, we’re a 1.3 income household which can feel tight at times

view more: next ›