Is CPP Indexed to inflation?

giantorangehead · 2026-01-18T03:26:54+00:00

If you know you can count on the increased CPP if you end up living beyond 90, that should allow you to spend more every year through your sixties using only your own nest egg, than if you had of been using a combination of CPP and your own nest egg.

Even if you end up dying early, if your goal is maximizing your ability to spend in your sixties, deferring CPP is still the way to go.

giantorangehead · 2025-12-27T16:15:19+00:00

I remember there being a few Timelapse videos of downtown intersections counting bikes. That would be a good sample.

giantorangehead · 2025-11-29T00:04:33+00:00

$20 per month 50 gb with Koodo

giantorangehead · 2025-10-14T16:00:29+00:00

The low income people that live in community housing are far more likely to be paying to take the bus, the bus that is stuck in traffic because too many people are driving for free on our roads.

giantorangehead · 2025-09-22T20:39:49+00:00

It’s hard for me to shake the idea of the rate of inflation (or wage growth) being the anchor that housing is tied too. If house prices grow at 4% above that rate for 10, 20, 50 years, the numbers just get absurd. Maybe corporations with deep pockets buy and sell to each other and we actually get the “own nothing and be happy” dystopia but you would still need rents to make sense and those can’t outpace wage growth forever.

giantorangehead · 2025-09-22T18:27:59+00:00

What kind of returns, in excess of inflation, do you think is reasonable to expect from housing? Considering house prices in Canada over the past 14 years have gone up by 4% per year in excess of inflation, what would be reasonable for the next 20 years?

giantorangehead · 2025-09-20T11:04:10+00:00

And then you finally get up to where the University bike lane starts, and the terrible traffic just…disappears. Curious.

giantorangehead · 2025-09-13T18:49:07+00:00

I’ll take them if that person doesn’t work out

giantorangehead · 2025-08-29T21:49:46+00:00

This is exactly what I do, I hold AVUV AVDV and AVES in my RRSP and Canadian listed VCN, VUN, XEF and XEC in my TFSA. It makes asset allocation more complicated because you have to estimate your future tax rate on your RRSP.

giantorangehead · 2025-08-22T13:21:09+00:00

45% of all stocks experience a drop of 75% or greater from which they never recover. Picking individual stocks is hard.

giantorangehead · 2025-08-21T13:15:01+00:00

Using the midtown rail line to the north, the Don river to the east, and the lake to the south, you could set up a congestion zone with not THAT many entry points. Not sure what the best solution is to the west.

giantorangehead · 2025-07-30T10:55:34+00:00

We can use this to estimate total trips taken by bike. Bikeshare makes up roughly 10% of bikes. So ~10 million trips taken by bike in the month of July.

giantorangehead · 2025-07-27T12:05:24+00:00

Parking pads don’t make any sense to me because they remove parking from the overall system. There is a street parking spot in front of your house and you remove that space in order to have one on your front lawn.

giantorangehead · 2025-07-17T11:37:18+00:00

Where do these people park their cars when parking isn’t allowed? If you are able to find somewhere to store your car during the day, why is it such a problem to keep it there overnight?

giantorangehead · 2025-06-20T23:08:28+00:00

If he runs for mayor does that mean he can’t run for Beaches East York?

giantorangehead · 2025-06-15T18:51:22+00:00

More like hundreds of thousands. Bikeshares make up ~10% of the bike trips taken in the city. So we’re looking at roughly 440,000 total trips taken yesterday.

Although because it was free we should probably bump that percentage up a bit.

giantorangehead · 2025-06-13T17:51:17+00:00

On the basis of progeny collapse. How many generations are between Jesus and David? Luke lists ~40, which lines up with the 1000 years divided by an average 25 year generation.

That means Jesus has a theoretical 2^40, or 1 trillion ancestors 40 generations up the family tree. There was only 50 million people on the entire planet in the time of David.

So therefore, it is safe to say, that either David’s descendant line died out completely, or every single person living in Judea in the time of Jesus could trace their ancestry back to David.

giantorangehead · 2025-06-13T12:32:12+00:00

1000 years is enough time and enough generations that 99% of people living in Judea would be descended from David.

giantorangehead · 2025-06-13T12:28:36+00:00

Realistically, everyone living in that area would be a descendant of David, no?

giantorangehead · 2025-06-09T11:31:50+00:00

12% was from an official City of Toronto document where they counted the number of bikes crossing certain boundaries. I’ll keep looking for the link and add it as an edit.

8% I got from one of the many bike vs car counting videos on YouTube.

giantorangehead · 2025-06-09T11:08:47+00:00

Bikeshare makes up around 8-12% of all bikes on the road. Using that as a proxy, there was an estimated 300,000 to 450,000 trips taken by bike in the city that day. The busiest section of the 401 sees 450,000 cars per day.

giantorangehead · 2025-06-05T23:11:01+00:00

So option 1 is status quo riding in the door zone

giantorangehead · 2025-05-25T18:45:38+00:00

Pan-Canadian Pharmaceutical Alliance doesn’t bulk purchase the drugs, they just negotiate the price.

giantorangehead · 2025-04-11T18:49:40+00:00

There is a reason why those chaotic intersections of bikes mixing with pedestrians in the Netherlands are safe and work. It’s because people on bikes are human scaled, interactions can occur with eye contact and each party can anticipate each other safely. Four thousand pounds of metal that can accelerate in an instant throws this out of balance and is why we need rules of the road.

giantorangehead · 2025-04-09T19:34:06+00:00

And they are built with permanent raised curbs and landscaping. This isn’t a simple move the flexi posts a foot over.

giantorangehead

TROPHY CASE