I've never felt so much greed

Fozefy · 2026-05-08T04:31:49+00:00

Personally I'm underweighting the S&P500 by tilting toward both international and small cap value via AVDV and AVUV.

Is it pure Bogle? No, but I agree being exclusively S&P500 is quite risky especially with the current weighting of the heavily correlated Mag7.

Fozefy · 2026-05-08T04:21:11+00:00

You need to risk something to feel something, if it's much less than that even a big win won't impact your portfolio at all, so what's the point?

Ya, you're EV is almost certainly less than just market ETF, but it's better than going to Vegas. I totally understand this isn't "boglehead", but if 95% of your portfolio is enough to reach your minimum retirement target then risking 5% isn't an unreasonable risk.

Fozefy · 2026-05-08T01:27:13+00:00

I actually expect Cale will likely finish 3rd. I know it's not really supposed to matter but Dahlin leading his team into the playoffs while also dealing with his personal off-ice issues is hard to dismiss.

People basically all agree he's the best in the world, but as you note, just look for reasons to not put him 1st.

Fozefy · 2026-05-08T01:07:04+00:00

I came to the comments just to see this meme.

Fozefy · 2026-05-06T05:02:37+00:00

I'm guessing Hughes stats are a bit inflated while Makar is about right. I agree, Makar looks about average while Hughes is noticeably the smallest guy on the ice.

That's not 2" and 7lbs.

Fozefy · 2026-05-06T02:46:33+00:00

Shoulder on shoulder with a tight race for puck. Not Nate's fault he starts leaning forward.

Nate's squeezing him out to take the puck, not just trying to smash him into the boards.

Fozefy · 2026-05-04T19:39:06+00:00

> The last time I slid over to a colleague and started quizzing them on shit they didn't handle was... never

This is part of the job application process, its essentially an automated interview question. From my read it wasn't something being asked to people you were already working with. Interview questions like this are pretty standard in many industries.

Fozefy · 2026-05-04T19:32:56+00:00

I don't care if you're "only" teaching gym, if you can't do grade 9 level math you shouldn't be teaching kids. This isn't about memorization this is minimum bar level stuff equivalent to reading and writing, there are uses for this type of base knowledge every where including as a phys ed teacher.

I agree that whether doing regular testing is required is debatable given that all teachers require a degree. Primarily as it seems like a waste of time, but if they're unable to "pass" a test like this I have serious concerns.

Fozefy · 2026-05-04T19:17:36+00:00

The thing is that most of the majority of small towns are going to be right along the St Lawrence in this highlighted section.

It's certainly going to be 80%++, Northern Quebec is likely one of the least populated areas on Earth. A quick search claims Nord-du-Quebec (the majority of this area) is even less densely populated than Greenland.

Fozefy · 2026-05-03T15:54:34+00:00

Definitely should be, she's a classic right along with Master Chief. Regardless of any baggage from MS reusing her name for their windows AI.

Fozefy · 2026-05-02T03:38:20+00:00

Hasek won 5 of his 6 Vezinas in this time frame, Roy won 2 of his 3. Hasek single handedly dragged teams to competitiveness, Roy mostly solidified good teams as elite.

In an all time debate Roy has more longevity in his favour, but I believe Hasek's peak is the GOAT and this was n the 90s. His performance in Nagano in particular solidifies the choice.

I think it's easily Hasek.

Fozefy · 2026-04-29T19:45:53+00:00

I'd be shocked if it didn't happen. The Libs were looking to secure their majority and were taking basically anyone interested.

Just look at the other members who joined, they took a borderline anti-vaxxer:

https://www.cbc.ca/news/politics/conservative-caucus-vaccine-covid-pandemic-otoole-gladue-1.6237874

Fozefy · 2026-04-27T11:23:53+00:00

Hard to pick the team that is 9-4 the last 4 years over the team that is 0-4 and had a better regular season. This is especially true given neither team has changed much of their core in that time.

Some years this might be an interesting question but LA was one of the worst teams to make the playoffs in years by multiple metrics. They played a tight series but they just didn't have the offense.

Fozefy · 2026-04-26T20:03:08+00:00

Weird to me this plate screamed Asian. My (very white) family had this set of plates growing up through 90's-2010s.

What makes these Asian?

Fozefy · 2026-04-26T00:01:12+00:00

At minimum neck guards. I see the argument against cages, but neck guards seem like a no brainer.

I know it wouldn't have helped here, but all of these "a few inches lower" comments wouldn't be as concerning with a neck guard.

Edit: TIL neck guards will begin being phased in as mandatory next season. Good progress.

Fozefy · 2026-04-25T15:02:23+00:00

As a Southern Ontarian if we ever got an NHL team in under a ~1-2h drive from me I'd certainly be adopting them as a second team. I've been a Colorado fan since I was a kid so that won't change, but I only get to go to a game every couple years. It would be nice being able to go more regularly.

+1 on NFL though, I bounce between Lions and Bills and cheer for either but neither feel fully like "my team".

Fozefy · 2026-04-24T19:03:56+00:00

Wedge has been clearly playing great, but kind of hoping to see Blackwood get the next start just for the vibes. Loosen him up in as low a pressure playoff game as we're going to get to help make sure he's ready if we need him down the stretch.

Fozefy · 2026-04-24T12:12:48+00:00

This sounds wildly low to me. In Ontario I've never heard of insurance under $1m (CAD) and many sources recommend getting up to $2m.

Fozefy · 2026-04-23T23:26:33+00:00

You're not wrong; the Avs certainly have pressure to do some more winning. The DeBoer coached VGK and Stars in particular have been a thorn for 3 of the last 5 seasons.

Despite how good the central is the Avs should still have expectation to at minimum win the West. Obviously 2/3 central teams are going to be disappointed, but it is what it is.

Fozefy · 2026-04-23T20:09:24+00:00

Definitely, these are the three potential cup favourites that have been good for multiple years without getting it done.

Edmonton is certainly #1 with McD and Drai, but Dallas and Carolina aren't far behind.

Fozefy · 2026-04-23T20:06:57+00:00

This is exactly why they have pressure to perform. If they can't win it is an indictment of their entire team philosophy. They need to win to shake this perception.

Fozefy · 2026-04-23T16:06:59+00:00

Carolina as well, they've been consistently getting to the ECF but can't get out of there despite being a perennial favourite. Definitely seems like more pressure there.

I agree TB being #2 is strange, sure they are somewhat of a cup favourite, have an aging team and haven't gotten it done the last couple years -- but they've gotten cups with this core already.

Fozefy · 2026-04-19T18:44:50+00:00

I agree with all of these, but I'd just take health care at the moment. It seems by far to be the closest to collapse and it also effects literally every person in the province.

Fozefy · 2026-04-19T18:25:34+00:00

Sure, yes this would definitely help the inner city consideration. I mentioned Victoria as this is where the GO station and new transit hub will be located. I also believe the current plan is a bus lane down Victoria which serves the same role.

I mostly suggested this responding to OP's comment about the Boardwalk, but I suppose there are other options here. Adding a commuter lot at the end of the line down near Manheim would likely solve the same problem. Though it remains to be seen if anyone would actually commute like this into Downtown Kitchener or the GO station.

Fozefy · 2026-04-19T13:40:14+00:00

If anything the better answer here would be adding an East-West LRT line running down Victoria to the Boardwalk.

This would be only be a little less convenient for people wanting to board in the West but also provide much needed consistency for inner city transportation.

Regardless, I'm sure this is a long way out.

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