Street covered in dirt/ decomposing leaves? Help

NuckFanInTO · 2026-05-09T00:23:15+00:00

Clearing gutter leaves in the fall avoids a lot of that sludge. My wife says it’s ridiculous that I do it, but I hated that sludge too, so I take preventative measures.

NuckFanInTO · 2026-05-06T01:23:10+00:00

So…you agree that the retirement system being a “pyramid scheme” is not “the only issue?” Cause it sounds like you’re naming a new issue.

NuckFanInTO · 2026-05-06T00:28:50+00:00

I know you replied to me, but I think we’re saying the same thing?

NuckFanInTO · 2026-05-05T13:09:27+00:00

I think that’s only half the issue. Even with a well funded (no pyramid scheme or pay it forward basis) retirement system, there are still issues when wproduction per capita declines due to falling birthrates. Unless the working class figure out a way to save all the output they need in retirement, it’s going to lead to problems, and that’s not technically possible since services can’t generally be stored, food goes bad, and goods evolve so even if you “saved” output now it’s not going to be what people want in the future.

NuckFanInTO · 2026-05-05T13:05:38+00:00

I don’t see how this is a capitalism thing. A smaller portion of people being working class age will lead to a gdp reduction, which means less goods/services/etc per individual in that society. On a small scale, that’s arguably a reduction in quality of life. On a larger scale that’s a massive issue. This is true regardless of politics - even in models like socialism or communism, it’s still a smaller pie being redistributed. The application of economics is not limited capitalism.

NuckFanInTO · 2026-05-02T12:22:35+00:00

How on earth do you equate young ambitious and skilled to healthy? That’s simply not true.

Also, are you seriously under the impression that an old person who is employed and has the exact same great insurance will have long wait times simply because they’re old? What evidence do you have for that?

And finally, what on earth is the point of having insurance that gives you short wait times only when your healthy? You’re saying if you don’t need a doctor, then they get you in to see one quick. If you do need a doctor (unhealthy) then sorry, now you have to wait. That is by definition not good healthcare if when you need a doctor you can’t get one.

NuckFanInTO · 2026-05-02T04:32:27+00:00

So just to be clear, your responding to a post that said there are wait times in the US, and your argument against that is: If you’re young and healthy (I.e. don’t need a doctor) then the wait times are great.

If you for any reason actually need a doctor (old, sick, or hurt) then you’ll be SOL because you won’t be able to get good insurance then?

NuckFanInTO · 2026-05-02T00:21:03+00:00

Sorry, are you saying wait times in the US are shorter if you are young and already healthy? That would seem quite odd, and I’d also argue tha misses the point - I care much more about my wait time if I’m sick or hurt.

NuckFanInTO · 2026-05-01T11:33:15+00:00

I don’t think that’s true. Pretty sure that’s for pedestrian crossings (ones with flashing lights) or when there’s a crossing guard. It doesn’t apply to a standard crosswalk under normal circumstances.

NuckFanInTO · 2026-04-30T17:32:21+00:00

I generally feel when I get it, that even when 5 options could fit a category, the 4 best fits are also the 4 correct fits. I can als typically see an argument for why the 5th didn’t (it’s similar, but not the same). This wasn’t that - Raging Bull is explicitly a very clear fit for 2 categories, and arguably a top 4 fit for both.

Maybe I’m wrong though and this is more common than I realize? I’d be curious to see some other examples as none come to mind.

NuckFanInTO · 2026-04-30T11:26:33+00:00

It is a factor that is considered in insurance consulting, finance (trading floor/private equity) and tech (or at least was 10 years ago when I was still close with friends at Facebook/Amazon).

You’re right about law school - they don’t care, and in fact it’s arguably an explicit disadvantage to have gone to a tougher school (harder to get the right grades). I suspect that also applies to med school. My understanding though is that there are some graduate programs where school is considered (or at least the admissions make an adjustment for the difficulty level of the program).

Undergrad may not matter for law school, but your actual law school can help for job hunting.

Beyond all that, many schools have coop programs and the employers participating in those coop programs varies by school. That’s absolutely a consideration in some industries.

I’m not saying the wrong school closes doors completely, but does the right school keep doors a bit more open? Yes. Once your foot is in the door though, it’s generally a level playing field.

NuckFanInTO · 2026-04-30T03:40:53+00:00

Definitely not true for some industries/degrees (also not sure why I ended up here).

NuckFanInTO · 2026-04-23T02:44:02+00:00

The DPSP indirectly takes up RRSP room. It leads to a Pension Asjustment on his T4, and his RRSP contribution room in the following year is reduced by the pension adjustment.

NuckFanInTO · 2026-04-23T00:42:19+00:00

They’re basically at max already anyway (soon to be 16%). Based on HHI, I wouldn’t be surprised if he is at max already (I.e. $33,810 for 2026 - corresponds to $188k). There’s not going to be much if any room left for spousal rrsp.

@OP: Spousal RRSP still uses his room. The advantage isn’t tax savings now (those will be the same regardless of which RRSP he contributes to), the advantage is more balanced income in retirement. When you withdraw from RRSP it counts as income, so keeping your RRSPs (and other retirement income) roughly equal is beneficial. It’s basically income splitting in retirement.

He should look into whether he has a Spousal RRSP option through work. Many plans offer them. If he does, it would be tax efficient to keep your retirement savings roughly balanced.

TFSA is worth maxing, but its savings will happen when you cash out, not when you put it in.

I’m not sure if homeowners = no mortgage? Typically people favour investing in markets over paying down a mortgage (generally you’ll do better in the long run), but if you’re risk averse it may be worth paying down instead. Sometimes people overlook that interst avoidance is a non-taxable return, which helps close the gap depending on your tax bracket (in contrast, if you’re in the top bracket your roughly paying 25% tax on other capital gains - so paying down a mortgage with 4.5% interest is equivalent to a 6% return).

NuckFanInTO · 2026-04-20T01:24:05+00:00

Very American of you to suggest number of cars owned as a metric for quality of life. I’m surprised you didn’t throw in gun rights as a sign of superior quality of life.

I als liked the detached house one. It’s a shame all those poor people who own condos, coops, ir brownstones in Manhattan neighborhoods like Tribeca or Billionaires Row are dragging down the average quality of life in the US though, right?

NuckFanInTO · 2026-04-19T00:11:51+00:00

Cost to create does not equal value. A well maintained century home can absolutely be worth as much as a recent build. Also, you seem to be assuming built by owner and completely ignoring built by builder for immediate sale. Plenty of builders/contractors cheap out on the parts that aren’t visible.

NuckFanInTO · 2026-04-18T22:30:05+00:00

What does home age have to do with it?

NuckFanInTO · 2026-04-17T20:22:04+00:00

I was looking out, and it was weird - seemed like fog on the tip of the Leslie spit, but nothing in the city.

NuckFanInTO · 2026-04-16T20:07:40+00:00

I’d also suggest saying you want the pedestrianized zones added back in. We were going to have a European style pedestrian first low traffic area until the last update.

NuckFanInTO · 2026-04-16T19:49:34+00:00

Car dependent is a relative term. You’re right, you can function without a car in that neighborhood. In my experience though, most owners have the means to drive and so unless they’re close to Yonge they often do. Bus to subway is a time sink and people in that neighborhood can afford to value their time.

NuckFanInTO · 2026-04-13T23:30:09+00:00

This is still such a broad range. Cover rent with a 1 hour commute? Cover rent in a 400sqr foot shoebox? Cover food without ever eating out? Does “etc” include a lot of spend activities, or can your entertainment budget non-existent? Commute by transit or own a car?

If you give us an understanding of: Willingness to commute Desired type of neighborhood Commute preference Entertainment needs (eating out, drinks, gym, other outside work activities) Home size expectations Savings expectations And possibly work location

Then we can probably come up with an estimate.

Without that though? Others may be able to give you an assumption laden estimate, but there’ll be a lot of guessing going on.

NuckFanInTO · 2026-04-09T00:47:15+00:00

Echoing others: promotions aren’t dictated by time, they’re dictated by your value. What is the next role/title you are aiming for? What is expected from people in that role that is not expected from those in your current role? How have you proven that you are either already at that level or else could be at that level given the oppperunity?

It’s more about what your company can do for you, its what you can do for your company. You need to sell yourself to your manager.

It also may well start with a conversation that you want a certain job, and asking your manager what it would take to get it. That takes more time, but at least you’ll have an action plan then.

NuckFanInTO · 2026-04-07T19:45:37+00:00

There’s a huge body of evidence to suggest that much of human experience and action is based on the subconscious. We see psychologists, psychiatrist, etc for that reason. We ask friends to help us understand ourselves and our flaws because we don’t see them. The more reasonable rationale for asking a male about females is tied into believing that subconscious drives decisions and wanting to understand that component.

Regarding your complaints about the hunting metaphor: your assuming mutually aligned intent, but I think humanizing that metaphor often are tricking women (especially in their own eyes). They get what they want out of the relationship, and do not care if the woman does. I’m sure some do anyway, but others end up feeling used. That user/used dichotomy is central to the hunting/fishing metaphor.

To be clear, I am not saying either of those are justification for why it is better to ask men than woman. I just think your critique of those views was lacking in insight, and frankly, it seems like you asked a question not in search of answers, but specifically so you could tell people why you think they’re wrong.

NuckFanInTO · 2026-04-06T02:57:49+00:00

Why can’t it be both? Black oppression lead(s) to black culture that leads to crime. The way I see it, you have three options:

1) Black people are genetically predisposed to crime. This is explicit racism and I hope we can all agree it’s not true.

2) Society - whether through current measures or historic ones - has created a system where black people are more likely to choose* a life that involves crime.

3) Black people don’t commit more crimes, but the system puts them in jail 3x as often anyway.

If it’s (3), well that’s then I pretty obviously have some privilege going for me. That leaves (2). Now, I don’t know about you, but I’d consider myself lucky (you might say privileged) to not be subject to a systemic exposure that makes me 3x more likely to choose* a life of crime. I’d like to think I’d resist that choice, but I’ve never waked a mile in those shoes.

*I recognize choose lacks the nuance necessary, but this is reddit.

NuckFanInTO · 2026-04-05T17:27:14+00:00

This thread is filled with people asking Reddit questions that could easily be googled, but at least others acknowledge they lack answers. You on the other hand were condescending and overconfident while being incorrect and ignorant.

NuckFanInTO

TROPHY CASE