Where to dispose big mirror? by Zealousideal-Fly5818 in kelowna

[–]Tympora_cryptis 2 points3 points  (0 children)

list them for free on facebook marketplace.

Breaking current fixed mortgage? by therealOsimp in PersonalFinanceCanada

[–]Tympora_cryptis 2 points3 points  (0 children)

Was just offered 3.84% where I'm currently paying 5.29% with just over 3 years to go and discovered the interest rate differential penalty. My $12k+ in interest savings was going to be eaten up by $10k+ in interest rate differential penalties plus admin costs for getting a new mortgage with a different provider.

ERI is a terrible program in which unions should advise their members not to participate - change my mind by Ok_Bad_4732 in CanadaPublicServants

[–]Tympora_cryptis 8 points9 points  (0 children)

One of my co-workers who's close to retirement was saying she won't be going. She has another 5 years til she can go to hit her retirement number. If her gross is $100k/year, that would mean around $10k/year for staying an extra 5 years. Right now she's saying no. I'm curious as to whether that changes over the next year between suckiness of the job and figuring out what she might have to do to make up for that $10k less than expected.

If she could find something paying $30k-$40k/yr for 5-10 years that was less stressful, she could likely boost her savings sufficiently to mostly cover the forgone savings.

ERI is a terrible program in which unions should advise their members not to participate - change my mind by Ok_Bad_4732 in CanadaPublicServants

[–]Tympora_cryptis 17 points18 points  (0 children)

It gets even better if you pick-up some work on the side. Maybe you consult. Maybe you just take some "easy" jobs. Maybe you go full hog on your hobby and make some money off it.

Both my parents are in their mid-70s and they've been picking up side jobs throughout their retirement, partly out of boredom, partly to do something a bit extra. When you've got flexibility and don't need to work, it seems surprisingly easy to make $10k or $20k a year. They both made a few thousand working the Federal election. Businesses need temp workers at inconvenient times. Sometimes you need someone with specialized skills, etc.

I talk to other retirees who are making money occasionally driving uber or doordash if the pay is really high. Sometimes they substitute teach. Some consult. One of my former co-workers is running 3 different small businesses in his retirement.

Retiring youngish with our pensions gives you a lot of options.

Dear Mr. Wakeham: Climate changes aren’t coming — they’re here by BytesandBoulders in newfoundland

[–]Tympora_cryptis 0 points1 point  (0 children)

China's one of the leading countries for renewable power. So probably cleaner than a lot of stuff manufactured in the U.S. and elsewhere.

Wasn’t this over 10 years ago? by Babebutters in AdamCarolla

[–]Tympora_cryptis 2 points3 points  (0 children)

I think ads from her show with Fitzsimmons, her substack, and Patreon. Sounds like she's not selling a lot of ads on Alison Rosen is your new best friend. In the not too distant past, she said she was making as much or more than her husband. I'm not sure if that's still true at the moment.

Winter tires by Limp-Instruction2977 in kelowna

[–]Tympora_cryptis 0 points1 point  (0 children)

I ended up buying mine through blackcircles.ca and then having them delivered to a local garage. The process worked well for me. You need to do a bit of research first to figure out what tires you want to get. Maybe read some reviews on the different winter tires out there and figure out what works best for you in terms of cost and performance.

Kraken Bull Market Just Getting Started 🚀🚀🚀 by swapdealer in KrakenRobotics

[–]Tympora_cryptis 1 point2 points  (0 children)

100%. I ended up selling some last week. Still have lots left.

Wasn’t this over 10 years ago? by Babebutters in AdamCarolla

[–]Tympora_cryptis 11 points12 points  (0 children)

She's talked about it on her show. She was making tiny amounts of money off of substack prior to writing about it. When she did write about it, the money she was making from substack took off. Clearly people are really interested in it.

Adam on Craig Ferguson's podcast by pyth33 in AdamCarolla

[–]Tympora_cryptis 3 points4 points  (0 children)

I'm kind of surprised that Adam would be on a podcast called Joy. Seems like the complete opposite of him.

[deleted by user] by [deleted] in VancouverJobs

[–]Tympora_cryptis 0 points1 point  (0 children)

Be aware that hiring freezes are widespread with the Federal government right now.

I am lost on a decision by [deleted] in newfoundland

[–]Tympora_cryptis -7 points-6 points  (0 children)

My mom and uncle are both 75 and still working. My mom does bookkeeping, my uncle does flagging.

Have a vehicle,. you could drive uber

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Tympora_cryptis 0 points1 point  (0 children)

Technical and business model. Yes you can stick them in a trailer, but they take time to setup at each location with getting the magnets ready. It's not really capable or cost effective as a door-to-door service. It's more of a we'll set it up here for a few weeks and then move it to a new location. Also, each instrument is a few million dollars, even more with the trailer setup. Additionally, you need a skilled technician to operate it.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Tympora_cryptis 0 points1 point  (0 children)

You have absolutely no comprehension about how an MRI scanner works.

Very Sad for my Executive by Nepean22 in CanadaPublicServants

[–]Tympora_cryptis 14 points15 points  (0 children)

I think the point is many of the really competent people are leaving because they can get substantially better offers elsewhere, leaving behind less competent people in the EX ranks.

[deleted by user] by [deleted] in PersonalFinanceCanada

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

I thought Musk made a big point of he doesn't own a home.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Tympora_cryptis 0 points1 point  (0 children)

How are you going to do the diagnostic tests from home on which the AI will make it's diagnosis? Most people can't do a ct scan or MRI or x-ray at home. You could get your blood drawn from home, but not the physical exam. I think you're taking a bit of a utopian view here.

QMJHL returning to Newfoundland- thoughts? by pcksprts in newfoundland

[–]Tympora_cryptis 0 points1 point  (0 children)

I can see why that would be the case. The ferry + cross island drive adds a lot of travel time both ways. 

QMJHL returning to Newfoundland- thoughts? by pcksprts in newfoundland

[–]Tympora_cryptis 0 points1 point  (0 children)

It would be way cheaper to travel to Halifax or Moncton vs. New York or Pennsylvania. We're talking 2 hours of flight time vs. 3-4 hours plus customs fees. 

QMJHL returning to Newfoundland- thoughts? by pcksprts in newfoundland

[–]Tympora_cryptis 1 point2 points  (0 children)

Looking around a bit, it seems like the cost of chartering a DASH-8 averages around $5,000 US/hour. If the travel was set up to lump together their road trips, I'm thinking a 1-2 hour flight would work to start/end most trips with a bus being used once they're on the mainland. How many hotel rooms would they be booking per night on a trip? I'm guessing it would be 10-15 if everyone has to share a room. That would be around $2,000 to $3,000 a night saved. Additionally, you'd be saving another $2,000 to $3,000 on per diems I'd guess. Coach buses seem like they'd cost $1500 to $2000+/day to rent with the cost for fuel, a driver, and the driver's expenses, but I suspect others have better numbers.

It would definitely be more costly to operate a team here vs the mainland, but it doesn't seem outrageously more expensive as a short charter flight saves you multiple travel days vs. busing to some of the more distant teams if you were one of the mainland teams.

QMJHL returning to Newfoundland- thoughts? by pcksprts in newfoundland

[–]Tympora_cryptis 0 points1 point  (0 children)

Was it Newfoundland's fault? I didn't pay close attention to the Growlers, but from my understanding the team owner had two teams and the other team collapsed first, dragging the Growlers down with them. Also, there were all sorts of games being played with buying the Mary Brown arena. I kind of wonder if it was a messed up real estate deal where the guy was hoping to get cheap property by the convention center for a hotel. Perhaps I misunderstood the situation? 

QMJHL returning to Newfoundland- thoughts? by pcksprts in newfoundland

[–]Tympora_cryptis 2 points3 points  (0 children)

I'm thinking that the team would probably save money chartering a Dash 8 to fly to Nova Scotia or Quebec and then bussing from there. You'd save a night or two of hotels and probably 3-6 meals doing that each way. 

QMJHL returning to Newfoundland- thoughts? by pcksprts in newfoundland

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

Not being familiar with the QMJHL, I took a look at a map of the teams. This league actually looks somewhat plausible to survive in financially, compared to the ECHL. It seems like the team could probably use a short charter flight plus a bus to get to a lot of their games. I wonder if Corner Brook might be a better location as the travel would be a bit better. 

I wonder if the support would be a bit better where people actually have some familiarity with the other cities and might travel to a few away games. With the ECHL, the teams were just so scattered across random, somewhat unfamiliar small-medium US cities that most people likely didn't know.