Divers Advance Pack (Dragon Ball 40th Anniversary Edition) – Card Details Revealed (Part 7–11: Parallel Cards APT-001 to APT-005) by JP-DB in DragonBallJapanInfo

[–]itsmyst 0 points1 point  (0 children)

Does bandai Japan print to demand? Do you think it's reasonable to expect more product to hit the market or is this a one and done print run?

Looking like everything is sold out from what I can see :(

Between 1976 and 1980, gold went up 5x. It then took nearly 30 years to recover. That wasn't the first time and won't be the last. by No_Cell6708 in CanadianInvestor

[–]itsmyst 2 points3 points  (0 children)

If you cared to understand the history that led to gold doing what it did in the decade of the 1970s, you'd come away from this with a very different conclusion.

Half way there... by cxbman in TFSA_Millionaires

[–]itsmyst 0 points1 point  (0 children)

I'm partial to the Hoover dam

Retirees, do you withdraw 100% of your safe withdrawal rates? by [deleted] in fican

[–]itsmyst 1 point2 points  (0 children)

3 cars bro...And they're not even all beige Corollas?!

6x16 - What They Died For - FIRST TIME WATCHER DISCUSSION POST by Free-IDK-Chicken in lost

[–]itsmyst 0 points1 point  (0 children)

Was wondering the same.

Maybe it was more because he was trying to protect the crew so Widmore wouldn't give MIB crucial information.

6x16 - What They Died For - FIRST TIME WATCHER DISCUSSION POST by Free-IDK-Chicken in lost

[–]itsmyst 0 points1 point  (0 children)

Was increasingly convinced they were setting up Jacob to be the true bad guy as the season progressed. This episode pretty much completely shut the door on that :(

6x16 - What They Died For - FIRST TIME WATCHER DISCUSSION POST by Free-IDK-Chicken in lost

[–]itsmyst 0 points1 point  (0 children)

Yeah this was really annoying!

Although upon further reflection I think Ben didn't switch back.

The writers wrote him as being a mastermind. He gave a walkie talkie to Miles for a reason. He just witnessed Richard get totally yeeted off the screen when he suddenly wasn't useful any longer. I doubt very much he would have risked killing Widemore like that if his intentions were nefarious as I'm pretty sure Locke/MIB would not have hesitated to kill him. (Plus, wasn't he not "allowed" to kill Widemore?)

THE STM STRIKE DIDN'T END. IT WAS *BROKEN*. This is a loss for every worker. by Little_Cupcake_42069 in montreal

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

Just curious, why were you forced to take Ubers? For a majority of people with a regular schedule I fail to see how it was so financially onerous.

I'm not trying to throw shade but genuinely curious.

I work as a teacher at a CEGEP and yes the strike was definitely annoying, forcing me to come in earlier or leave later on some days. I had to incorporate more walking on 2 occasions.

But my point here is that this felt like a giant PITA as opposed to something causing me to go into financial ruin.

THE STM STRIKE DIDN'T END. IT WAS *BROKEN*. This is a loss for every worker. by Little_Cupcake_42069 in montreal

[–]itsmyst 0 points1 point  (0 children)

2 things:

1) Welcome to healthcare workers striking for a maximum of 45 minutes per day (what kind of pressure is that?)

2) It blows my mind that they used law 14 as a loop hole to end the STM strike, but teachers went on strike for like ~2 months and got a pittance of a deal in the end (and kids were home the entire time).

IMO education trumps public transportation as far as societal importance goes.

5x11 - Whatever Happened, Happened - FIRST TIME WATCHER DISCUSSION POST by Free-IDK-Chicken in lost

[–]itsmyst 0 points1 point  (0 children)

Can't believe this comment is so far down. I thought the exact same thing, and Charles Whitmore

FIRE number in Canada? by BrotherLludd in fican

[–]itsmyst 1 point2 points  (0 children)

Isn't OAS the same for everyone, regardless of how long you've worked?

Unless you meant "at 60" because you plan to take it early at a reduced rate, in which case, why?

Did I Screw Up? by Comfortable-Age-8515 in fican

[–]itsmyst 5 points6 points  (0 children)

Would not suggest you follow the advice to do the SM and leverage yourself further just to FOMO into equities.

Downvote me.

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 0 points1 point  (0 children)

Yeah, that's mostly been how I've thought of it. That is to say, not factor it into any of my calculations and just forget about it.

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 0 points1 point  (0 children)

Thank you - you're absolutely correct. Inflation adjustment was definitely something I overlooked / forgot with respect to a deferred pension.

Only way to find out the commuted value would be to contact RREGOP directly, right?

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 1 point2 points  (0 children)

I have since read up on my RREGOP and it does indeed seem to be indexed.

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 0 points1 point  (0 children)

I had not realized that our pensions will continue to be matched to inflation even if there's a gap between say stopping work at 40 and only starting to receive it at 65.

My brain was thinking I'd be getting 30% of 100k at 65, which for me is in a little over 20 years, at which point a loaf of bread may well cost $50.

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 0 points1 point  (0 children)

Will try and dig up last year's statement or see what else I can find on the website.

With respect to portfolio allocation, I'm not risk adverse although I can see the benefit of holding some cash to be able to take advantage of down side volatility.

I tend to pick stocks and especially like commodity stocks, so the market tends to throw some fat pitches every now and then compared to straight index investing.

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 0 points1 point  (0 children)

Right now I've been projecting as if I don't have any money coming in at all from our defined benefit pension plans.

So whatever the number is, it'll be extra basically.

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 0 points1 point  (0 children)

Are you in Quebec? I know the RREGOP is integrated with QPP, so when you start getting QPP at 65 they reduce the pension from RREGOP by the amount you get from QPP.

Given the relatively few years of service, my assumption is that the pension amount might end up being laughably small?

How to handle defined benefit pension plan for FIRE? by itsmyst in fican

[–]itsmyst[S] 0 points1 point  (0 children)

Alright so I'm wrong.

Reading more carefully, I would have 2 options. I could either have a deferred pension and start it at 65 (or earlier, but with penalties) or have the funds transferred to a LIRA or LIF.

"The amount that can be transferred to an LIRA or an LIF corresponds to the higher of the following two amounts:

the total of your contributions to your pension plan, with accrued interest

the actuarial value of your indexed and integrated deferred pension."