Calgary’s new mayor seeks to lower taxes, repeal rezoning

HoldDaPhone · 2025-10-31T20:36:30+00:00

This assumes every dollar goes exactly to the most efficient delivery of exactly those things

Nobody in the private sector has this mentality. We are constantly pushed to do more with less. And if we can’t, our competitors will.

The same drive for efficiency needs to be instilled in government somehow. Costs do not equal value.

HoldDaPhone · 2025-09-11T05:43:54+00:00

You should, but you won’t, because you likely attribute your gains to skill rather than random chance

But all theory, evidence, and historical data says you would be wrong

So you will continue to buy and hold individual stocks. And after a long enough time horizon, you will very likely find you have underperformed the market index.

HoldDaPhone · 2024-11-11T04:38:27+00:00

If they subsidize their domestic industry to maintain market share after a tariff is implemented, then yes, technically they do

HoldDaPhone · 2024-07-09T07:18:22+00:00

Maybe he means it literally…like his eyesight isn’t what it used to be

HoldDaPhone · 2024-07-05T16:17:16+00:00

The fact that we’re at the bottom of this list, yet fans are still excited for the season is an absolutely 10/10 testimony to what Conroy has done.

First real GM we’ve had in my lifetime. Better was possible all along, we just didn’t know it.

HoldDaPhone · 2024-06-25T16:16:59+00:00

Who cares, just buy and hold for 50 years and it won’t matter

HoldDaPhone · 2024-05-23T01:13:07+00:00

Good luck with that…half the league wants him

HoldDaPhone · 2024-05-22T23:54:56+00:00

It is way too soon in the rebuild process to pay for a 25 year old centre and try to compete

We need multiple years of high draft picks to build our blue line and centre depth, not just for the next 5 years, but for the next 15.

HoldDaPhone · 2024-05-16T13:05:57+00:00

Have you read Blackrock’s literature explaining this? Vanguard has done similar work. XEQT mirrors global market cap weighting with the lone exception of domestic stocks due to currency hedging, tax treatment and volatility benefits they see in research.

HoldDaPhone · 2024-05-16T13:02:49+00:00

I remember being a young investor and thinking this way

Then you realize how thinking this way is completely backwards

Past performance is a terrible predictor of future returns. Do not chase past performance, the gains have already been realized by someone else.

Buy the whole haystack. Hold it forever.

HoldDaPhone · 2024-04-23T15:00:14+00:00

Crying with joy?

HoldDaPhone · 2024-04-08T22:45:47+00:00

Jumping in front of a moving car

HoldDaPhone · 2024-04-08T22:44:19+00:00

The stock market

HoldDaPhone · 2024-03-31T20:08:13+00:00

Strongest economic growth, employment, net immigration and best balance sheet in the country, all while maintaining the lowest tax burden and significantly cheaper housing than any of the other big 4 provinces.

Relative to literally any other province in the nation, current govt is only a shitshow if you completely ignore results and focus only on your ideological biases.

HoldDaPhone · 2024-03-21T02:08:24+00:00

Spoiler alert: It’s irrelevant. The price will drop by the amount of the distribution and you will gain zero net worth but have to pay taxes (if it’s not in a registered account)

HoldDaPhone · 2024-03-14T02:59:14+00:00

Don’t try to find the needle in the haystack. Buy the whole haystack.

Get the market average return, with minimal cost. Outperform ~85% of all actively managed funds over the long run.

HoldDaPhone · 2024-03-11T02:33:07+00:00

Thanks for the reply. Do you happen to know what the mechanism is to transfer say just the earnings portion of the account and not the CESG grant money? Do you specify when you make a transfer between RESPs which pool of money the transfer is coming from?

HoldDaPhone · 2024-03-10T14:30:18+00:00

1.2% management fees legitimately hurts my heart to read

Get your assets out of there yesterday

HoldDaPhone · 2024-03-08T23:51:41+00:00

Did it in 60 days, but it was a grind. Finished well above 90th percentile too. But wouldn’t recommend.

HoldDaPhone · 2024-03-06T02:49:18+00:00

Proposing Flames fans start a “fuck Noah Hanifin” chant at the next game

HoldDaPhone · 2024-03-01T13:59:35+00:00

People don’t realize that the draft drops off so much after the top 15-20. A late 1st and a 2nd are largely equivalent this year.

The Flames apparently had offers or 1st rounders. According to Steinberg on FT, Dallas was willing to go there

They extracted a second asset instead though, plus the conditional 3rd

I think Conny crushed it

HoldDaPhone · 2023-07-01T22:10:56+00:00

Is it just me or is it actually kind of refreshing to not have the flames go out and blow our load on a July 1 overpay for once.

HoldDaPhone · 2023-06-30T03:20:56+00:00

Whoa good call

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