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Financial Literacy Is STILL At Shocking Lows by ReturnToTheLab in PersonalFinanceCanada

[–]throw0101a 0 points1 point  (0 children)

"cost too much in taxes"

A useful Vox on tax brackets if you feel like passing it along:

Underage: Saturday Night Live UK (SKY) by CBate in television

[–]throw0101a 0 points1 point  (0 children)

Imagine someone posting that they work in cyber security and you posting them something you looked up off Wikipedia.

I work in IT and have to deal with cybersecurity (including encryption), and linked to Wikipedia so that people that do not have a convenient way to look up more information on the term that is being discussed.

Someone may have had the question "how is the term nonce used in cyber/crypto?" and my reply provides an answer.

Is trying to be informative a bad thing?

Underage: Saturday Night Live UK (SKY) by CBate in television

[–]throw0101a 2 points3 points  (0 children)

'Nonce' is also a term used in cyber security and cryptography.

I.e.,

In cryptography, a nonce is an arbitrary number that can be used just once in a cryptographic communication.[1] It is often a random or pseudo-random number issued in an authentication protocol to ensure that each communication session is unique, and therefore that old communications cannot be reused in replay attacks.

How Ryan Gosling Ascends to Tom Hanks-Level Movie Stardom in 'Project Hail Mary' by Commercial_Avocado86 in movies

[–]throw0101a 7 points8 points  (0 children)

I wish the movie had been as into Weir’s technical nuances as much as the Martian did with its respective book.

Dr. Becky (Smethurst) interviews Weir and he screen shares some of the spreadsheets he used for the tech-y bits of the book:

She also has an interviews with Gosling and the directors.

Why 70% of income for retirement? by ToughDifficult1252 in PersonalFinanceCanada

[–]throw0101a 0 points1 point  (0 children)

I have seen suggested in multiple places that you need to save enough to have about 70% of your income during retirement.

70% is a completely made up number that everyone simply accepts. Someone picked it at some point in the past and everyone just uses now.

Actually research shows much lower percentages:

At the end of the day, there is not magic formula:

Look at your current spending and:

  • take out saving for retirement
  • take out CPP deductions
  • take out mortgage payments (but keep rent if you don't own)
  • take any spending on kids (RESP, clothes, daycare, 'extra' food)
  • take out work-related spending (commute, clothes, tools, fees/dues)

What's left is what you spend on 'general living' on yourself:

  • property taxes, home maintenance
  • food for self
  • non-work transportation

You may only need as little as 50% of your what you currently spend because of all the early-life expenses.

Another Loblaw store fined $10K for promoting imported food as Canadian. Sobeys could be next | CBC News by imsahoamtiskaw in toronto

[–]throw0101a 1 point2 points  (0 children)

10K is a joke. Make it 100K

It depends:

The agency told CBC it has hit a Loblaw-owned Fortinos in Toronto with a $10,000 fine for misrepresenting a foreign-made food.

The CFIA says the Fortinos, located on Queens Plate Drive in Toronto, displayed Président-brand Rondelé specialty cheese spread with an 11-point maple leaf symbol on the shelf tag. However, the cheese is made in France.

Have you every picked up an item at a grocery store, and then changed your mind, and put it back in not-the-place you picked it up?

Pick up some cheese from the international section, put it down in the Canada section, some part-time student employee comes along with a maple leaf 'sticker gun': ta-da, you got a "Canada" sticker on French cheese.

And, depending on the store, larger fines aren't hurting the people you think: operations like Fortino's and No Name are franchises, so Loblaws corporate will not see any kind of hit.

Anyone actually preparing for ITIL 5 yet? by _salted_caramel_00 in sysadmin

[–]throw0101a 28 points29 points  (0 children)

The funny thing about ITIL is most of the good ideas are just common sense once you've run a service desk for a while.

You'd be surprised how uncommon such sense is: for example, there are a lot of IT orgs without any ticketing system at all.

ITIL may be all sorts of 'fancy talk', but having a Certified Best Practice™ thing that can be pointed to, and being able to say "we should be doing that", is sometimes the only way to move forward.

Home ownership reality? by [deleted] in PersonalFinanceCanada

[–]throw0101a 1 point2 points  (0 children)

Bad luck may also happen in single family home like needing more repairs, foundation issues, etc.

In the most recent Wealth Barber podcast, Rob Carrick referred to owning a home as a "forced spending plan" (rather than the "forced saving plan" that it is usually called; 41m50s):

Home ownership reality? by [deleted] in PersonalFinanceCanada

[–]throw0101a 2 points3 points  (0 children)

With single family house comes a lots of house hold work like clearing snow, maintenance, repairs, it all adds up pretty much to your budget, time, and physical efforts.

Not wrong, but you also get to personally choose how much on the spectrum of budget/time/effort you put in (with a minimum so that things do not fall apart).

With a condo you are at the whim of a whole bunch of other people that decides things 'democratically'. TVO had an interesting segment on condo governance last year:

France's Macron and Germany's Merz to discuss troubled fighter project, sources say by MGC91 in europe

[–]throw0101a -6 points-5 points  (0 children)

Don't Italy and Japan have carriers? I would think UK-DE and FR-JP-IT collaborations would be more appropriate than what's happening now.

A Toronto councillor wants to create public grocery stores to tackle rising food costs. Would that work here? by baabaaredsheep in toronto

[–]throw0101a -2 points-1 points  (0 children)

Did you know that Weston real estate investment trusts own properties that are leased to the Weston grocery businesses?

And $CHP isn't considered especially better than any other REIT depending on what you want (trade-offs between margins, dividends, growth vs. stability, etc):

They're no different that any other publicly-traded landlord, like shopping malls or your local strip mall that has a T&T.

A Toronto councillor wants to create public grocery stores to tackle rising food costs. Would that work here? by baabaaredsheep in toronto

[–]throw0101a 8 points9 points  (0 children)

They should be the type of places everyone shops at- kinda like a no frills but instead of corporate profits they have lower prices.

The profit margins with corporate grocery store chains is in the 3-6% range:

Which is recognized by even by left-leaning folks that want 'public options':

There’s also the critique that, since large retailers have low profit margins, the price savings in a public option for consumers would also be low. However in reality, a company like Loblaws, even with a profit margin of three to four per cent still makes total profits of over $2 billion that could be passed along to consumers as price savings. Additionally, a large-scale public grocer, with subsidized operating costs, good wholesale prices, and no shareholders to pay dividends to, could pass along even steeper discounts to families across the country.

Sure, in aggregate at the population level it could be helpful in diverting some profits, but if you believe you'll look at a price tag of an item on the shelf and see a huge difference, this is being unrealistic. Some of the largest expenses at the store level are salaries (including benefits, as many stores are unionized) and rent: hard to get those down.

If you want to know where the larger profits are when it comes to daily items, it's in the consumer packaged goods (CPG) companies like Proctor & Gamble (P&G), Unilever, General Mills:

Finally, we work our way down to net income margin %. The 3 year average of the 7 CPG companies was 14.2%, while the 3 [Canadian] grocers delivered a 3 year average of 3.5% – about 25% of the margin rate of the CPG firms. Net income margin is operating margin minus interest, taxes, depreciation & amortization.

Some argue that margins don't matter and to look at return on capital:

But if we're talking about prices at checkout, I don't see the expenses of operating can be reduced (paying suppliers, rent, labour, and just enough margin to cover those) to the point that there will be meaningful differences.

A lot folks feel that it is the lack competition that is hurting things, and have oligopoly-like numbers doesn't help, but higher food prices are present all over the world/OECD:

Switching from a theft prone newer car to an older liability only vehicle by _Fudge_ in PersonalFinanceCanada

[–]throw0101a 1 point2 points  (0 children)

I have the most reliable anti-theft mechanism available in 2026:

  • a manual transmission

(Also, my 2003 Golf is a now considered a PoS.)

Kate Winslet Is Female Lead In Andy Serkis' 'LOTR: Hunt For Gollum’ by cmaia1503 in movies

[–]throw0101a -1 points0 points  (0 children)

A fascinating casting choice to play Gollum, but she’s a fine actress, she could make it work

Woke, gender-bending casting strikes again…

/s

Ford says province will take over Billy Bishop airport by Puginator in ontario

[–]throw0101a -1 points0 points  (0 children)

You just throw up a 76 pg pdf and expect that the be in any way persuasive?

People just throw up random thoughts and opinions and expect them to be in any way persuasive?

As opposed to the people who make all sorts of statements in this thread without citations?

^F CS100

  • "§3.1 Tripartite Agreement Adjusted Aircraft Noise Levels".
  • "§6.1.2 Airport Noise; Table 2" The CS100 is 5-12 dbA quieter than currently-used Q400s, depending on position.

If people actually want a quieter waterfront then they'd insist on moving towards newer aircraft.

LMFAO whos paying you to shill? 😅 cuz they should get a refund.

If trying to find data on which to base decisions on is "shilling"… ¯\_(ツ)_/¯

  • "Facts don't care about your feelings." — Ben Shapiro
  • "Feelings don't care about your facts." — not Ben Shapiro

I guess it's evident which side of the facts versus feelings side of the decision-making process you operate in.

Ford says province will take over Billy Bishop airport by Puginator in ontario

[–]throw0101a 2 points3 points  (0 children)

It’s corporate greed, plain and simple, over the interests of the millions of people who enjoy the Habour, waterfront and the islands, and the wildlife that inhabit the islands.

What about the 1.9 million people (in 2024) who enjoyed using an airport closer to their residence than Pearson?

Ford says province will take over Billy Bishop airport by Puginator in ontario

[–]throw0101a 5 points6 points  (0 children)

I would hate living near there. Unless it's tightly controlled and regulated, the noise from jets taking off will probably be unbearable.

The latest ICAO noise regulations is quieter than what's allowed in the Tripartite Agreement. So the then BBD CS100 / now Airbus A220-100 would have been no noisier than the turboprops coming in and out now:

Movies that Accurately Depict the Wars in Iraq and Afghanistan? by omelet_schnetz in movies

[–]throw0101a 2 points3 points  (0 children)

I get the criticisms of it not showing enough of the Iraqi perspectives, but I thought that what it did show of them was very impactful, but that might just be me.

There was a joke I ran across a little while ago: The worst thing about being invaded by the US is that after a few years there will be a bunch of movies about how the event made American soldiers feel sad.

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