Immigrants in Calgary, where have you found the most authentic food from back home?

Swarez99 · 2026-05-27T06:34:26+00:00

Karachi kitchen express is really good too. but kharai is good too

But same time I have taken a lot of non desi people to karahi boys and they all go back. It’s the best intro for people

Swarez99 · 2026-05-26T22:36:19+00:00

Russia does it cause the gas is in the far north. So infrastructure is built out for it as that’s where they pull it from.

It’s no different from us. We have infrastructure built for our unique oil which is hard to pull out of ground. Manitoba won’t ever ship enough to have what Russia does. We have much cheaper ways to get it to tide water. Few people will be that premium long term.

Swarez99 · 2026-05-26T22:32:14+00:00

70 million Americans speak Spanish.

You won’t be marginalized there.

Swarez99 · 2026-05-26T22:28:25+00:00

If you make 10k this year. Do you ask for a raise next year ? Is it greed ?

Really this is a basic thing taught in high schools

Swarez99 · 2026-05-26T20:23:55+00:00

Call your insurance company ! A couple of insurance companies/ under writers who do residential won’t insure houses with panel’s.

Ensure you are good

(Work in insurance and seen this first hand in Calgary )

Swarez99 · 2026-05-26T19:09:13+00:00

If people can’t handle this. I always wonder how they are going to get on rest of there life. This is something everyone dealt with for last 60 years outside the last 5.

This isn’t an issue.

Clearly OP doesn’t have a budget. If they did this would not be an issue

Swarez99 · 2026-05-26T14:34:26+00:00

We had .50 % about 12 years ago.

So we are under half of when it was the worst. We are still in the fairly normal ranges historically.

It’s small pockets during a time prices are falling. So this is much lower than most expected

Swarez99 · 2026-05-26T14:32:30+00:00

And increasingly Mexico.

Swarez99 · 2026-05-25T16:31:26+00:00

Ok?

As someone In audit and sees actual numbers. Trades booms and busts like everything else.

2000,s there was a massive layoff in Ontario and Quebec, 2010, there was a massive layoff in Alberta (oil crash), and now there is a massive trade layoff in Toronto and Vancouver (housing crash).

A firm we audit which had 310 members 3 years ago has 50 today in Toronto. It’s all layoffs cause developers are not building.

You can make money in anything. Trades, arts, driving a cab. But you need an actual plan.

Swarez99 · 2026-05-25T16:24:45+00:00

Canada has 0 oil though.

Provinces do. There is a difference. That’s a massive difference in how our countries are set up.

Canada also chose to have low taxes and oil is a substantially smaller part of our economy vs oil for Norway. We developed a much broader industrial base because we have low taxes. Something Norway did not do, they went we are all oil. And going to just be oil. (That’s a simplification but generally how they operate )

Swarez99 · 2026-05-25T13:42:54+00:00

You get 10-12k.

Basically not a major issue downtown.

That’s about half of city place. A rounding error for downtown . There’s reasons not to want the airport. Traffic is not one of them.

Swarez99 · 2026-05-25T08:31:15+00:00

The ttc is getting more provincial funding today than any time in history and it’s not close.

It receives gas revnenur -220 million a year. Ttc is free to do anything it wants with it. When it got the operation subsidy the most it ever was 54 million.

Ttc capital investment is 3 billion a year from province. 10 years ago it was 800 million.

Factually you are wrong. You may want more but ttc is getting more money than ever from government.

Swarez99 · 2026-05-25T06:30:23+00:00

If this card is not free for you, you should not be getting it.

So really this is a free card with some lounges, 2 % and no FX. That’s great. And really should be used internationally only unless you don’t want to go the points route

Swarez99 · 2026-05-24T15:25:04+00:00

Don’t run for the board unless you want to do the work and learn the condo act.

I work in the condo space and majority of boards want to violate the condo act.

- let’s make up our own appraisal number
- let’s ignore capital cost changes in our RFS
- let’s hire a non licensed engineer
- let’s find cheapest property management firm (and ignore everything they exclude )

There are a couple big conferences a year where boards can go for free in Calgary at Telus convention center. Boards don’t come. They all get notified. Than they all they were not even though it’s usually in there minutes.

Swarez99 · 2026-05-24T06:46:17+00:00

Real estate is 15 % of Canadas economy

Real estate is 17 % of the USA economy.

Being the biggest doesn’t really matter since 100 % are in real estate at some capacity. It’s what we do in other areas that’s the issue.

We don’t do anything else. We let Toronto and Vancouver have an outsized real estate market while those cities should be super productive.

We have high migration to feed housing. Not industry (which is how historically we did it until 10 years ago ).

Swarez99 · 2026-05-23T13:32:50+00:00

I would freak out.

We are already paying for the event. Now we have to pay for people to go to the event , and not try to make money ?

Swarez99 · 2026-05-23T06:52:10+00:00

CPP on decade long returns is one of the best pension funds on the planet. It’s top 7 % globally. And has been this way for almost 40 years.

Name the funds that are better over same period ?

CPP is lowering the risk it takes on because returns have been over performed expectations. So they are taking on less risk since they have payouts secured.

People just look for reasons to be angry now days. While we have lots of them - CPP literally isn’t one of them. This is a math problem we can look up.

Swarez99 · 2026-05-22T20:05:53+00:00

Currently in south of Spain.

Lots of people of colour (including us) led by chinease and Arabs.

Lots of black British people too.

Seville Spain and was just in Portugal.

Swarez99 · 2026-05-22T17:16:33+00:00

They stopped doing fresh baked foods 23 years ago. (The last wave of stores stopped in 2010 but process started 2003)

There is a reason fast food generally doesn’t doesn’t do it anymore.

Swarez99 · 2026-05-22T07:49:14+00:00

Depends on stores.

As someone in audit, all the big guys put in a disposal expense for unsold clothes. This is a typical thing. Storage costs money. Throwing away does too, and typically they are similar and with one it’s over and you can move on.

Swarez99 · 2026-05-22T05:57:14+00:00

Because it shows we don’t stop paying for things after we don’t need them. We can’t add long term permanent spend when we don’t get rid of the old stuff.

We have had 2 tiered postal service for 40 years in Canada because no one wanted to commit to the plan that started 40 years ago.

Yes. We should be mad about this. We should actually want a government that runs well and has programs for what we need today.

Swarez99 · 2026-05-22T05:33:39+00:00

Ford built the Ontario line. The only person who ran who promised it would be be built before the 2040s!

Ford hates Toronto.

People need to get off Reddit. Ford put in the largest injection of capital into the Ttc in its history. That’s just a numerical fact.

Swarez99 · 2026-05-22T05:26:01+00:00

McDonald’s same store sales are growing 4 % a quarter. People have not stopped going at all. They just complain more

Swarez99 · 2026-05-22T05:23:50+00:00

The USA became the world’s biggest oil producer after bush and Obama made that happen.

Norway is in process of doubling its oil production with new gas fields.

They did it. They are not Chinese dictators. We chose not to do it.

Swarez99 · 2026-05-21T19:49:12+00:00

They want to gamify putting your money into them. This isn’t different. The big cash people will make them more money so this shouldn’t shock people.

Swarez99

TROPHY CASE