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cowofwar posted:
For fucks sake it's in the loving logo I bet they all really like Canadian rules football too
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Jul 20, 2017 23:31
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namaste faggots posted:Can you count to 10 Yes, but only because I went to a college after to become an accountant.
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Jul 20, 2017 23:33
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mojo1701a posted:Yes, but only because I went to a college after to become an accountant. Ooh, which college? I like colleges.
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Jul 20, 2017 23:34
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Subjunctive posted:Ooh, which college? I like colleges. Mohawk. It actually got me my current job. I can actually take a vacation now! Fun fact: I actually found a book by one of my university professors on display somewhere near the faculty's offices. It referred to him as the "Canadian Noam Chomsky." In case you're wondering... uh, no. Also he was a huge dick.
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Jul 20, 2017 23:36
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Lakehead right
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Jul 20, 2017 23:37
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quote:
Story is from the cbc google it yourself loving lol gently caress Alberta
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Jul 20, 2017 23:40
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namaste faggots posted:Story is from the cbc google it yourself Speaking of the CBC, Peter Mansbridge got an honourary JD at my convocation in 2010. Yeah.
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Jul 20, 2017 23:41
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When your degree is worthless you can afford to give them to anyone
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Jul 20, 2017 23:42
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At least he didn't have to pay for his.
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Jul 20, 2017 23:45
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Btw if you didn't hate st fx already, Brian Mulroney went there
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Jul 20, 2017 23:51
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the worst and dumbest instructor i ever had went to St. FX and wore the ring every day. they were teaching at a community college in labrador lmao
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Jul 21, 2017 00:03
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Majuju posted:This building just completed in my neighbourhood, extremely affordable, A++, please just choke me to death with all the supply, mister mayor  D 1 bed 543 sf 60 sf north west $1,995 Click Here I 2 beds 676 sf - south east $2,450 Click Here
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Jul 21, 2017 00:08
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The unit above us with the same floorplan as us, but without the 900sq ft patio went for $25k more than we paid for our unit.
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Jul 21, 2017 00:12
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As a University of Ottawa dropout, I would like to nominate it as Canada's worst university.
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Jul 21, 2017 00:42
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LOL I'm looking at BMW X3s out of curiosity of what they cost and look at this poo poo, it's spreading to entry-level SUVs now:
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Jul 21, 2017 01:14
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Cars no longer lose value, unless rebuilt, and even then. Pretty much everything manufactured since '09 is in that boat.
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Jul 21, 2017 01:23
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Mozi posted:... they don't call themselves the X-Men, do they? In the wake of the weapon x program, it was decided they needed a friendlier face.
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Jul 21, 2017 01:27
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Brandon University has been consistently ranked the bottom or bottom 5 universities in Canada. gently caress it no one cares they just look at the letters by your name not where you got them from. If they did no one would take online MBAs
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Jul 21, 2017 01:27
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Rime posted:Cars no longer lose value, unless rebuilt, and even then. Pretty much everything manufactured since '09 is in that boat. The point is all the lust prices end in 888. Also your comment is moronic, a new X3 is still like $55k, those cars all lost half their value in 4 years.
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Jul 21, 2017 01:36
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apatheticman posted:Brandon University has been consistently ranked the bottom or bottom 5 universities in Canada. Bro do you even linkedin
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Jul 21, 2017 01:37
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I really can't justify moving out of my rental and buying a place with the way the market is ATM. Am I being dumb because "muh home equity" or is waiting out the market the right thing to do?
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Jul 21, 2017 01:39
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I was just discussing this with my wife but we really haven't missed out on building any equity simply because we have access to better financial services than most people. Robotraders like wealth bar aren't bad but if you aren't investing your money in your TFSA and rrsp you might as well rely on housing as your retirement plan. This is the saddest part about the demise of defined benefit pensions. Investing is hard and is really really hard if you don't have the capital to access decent financial advisors. Read : not loving mutual fund salesmen. Defined benefit pensions solved this problem. Pro tip never buy deferred sales commission funds.
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Jul 21, 2017 01:52
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apatheticman posted:Brandon University has been consistently ranked the bottom or bottom 5 universities in Canada. Not true, but you can live a pretty fulfilling life without ever encountering the people who do care.
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Jul 21, 2017 01:56
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namaste faggots posted:I was just discussing this with my wife but we really haven't missed out on building any equity simply because we have access to better financial services than most people. Robotraders like wealth bar aren't bad but if you aren't investing your money in your TFSA and rrsp you might as well rely on housing as your retirement plan. This is the saddest part about the demise of defined benefit pensions. Investing is hard and is really really hard if you don't have the capital to access decent financial advisors. Read : not loving mutual fund salesmen. Defined benefit pensions solved this problem. Managed investments rarely beat the market though. Why not just go through index funds and get an average 8% return? Are your managed assets doing way better than that over the long term? If so, I want to know who manages your money because my parents have a lot and their investments that are professionally managed pretty much match the market.
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Jul 21, 2017 02:17
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My mom got to go to St fx for free cuz she's a senior, which is pretty cool. You see the rings on like, giant toger stockers round Cape Breton all the time. Real answer has to be capilano col^H^H^Huniversity tho right?
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Jul 21, 2017 02:27
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Where are you getting 8% from buddy. Robos are gonna give you 4-6% at best. Are you like 50% into the nasdaq or something.
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Jul 21, 2017 02:43
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Risky Bisquick posted:Where are you getting 8% from buddy. Robos are gonna give you 4-6% at best. Are you like 50% into the nasdaq or something. You gotta get in on the "Buy 5k of NFLX everytime a new terrible adam sandler movie lands" strategy. 10k if you watch it, shame investing
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Jul 21, 2017 03:00
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I have like 40% of my TFSA holding AMD right now, I've diversified by also holding NVDA and bitcoin 
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Jul 21, 2017 03:05
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Risky Bisquick posted:I have like 40% of my TFSA holding AMD right now, I've diversified by also holding NVDA and bitcoin loving lol
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Jul 21, 2017 03:11
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I have a defined benefits pension, what's so great about them?
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Jul 21, 2017 03:20
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jet sanchEz posted:I have a defined benefits pension, what's so great about them? You are guaranteed a specific payout regardless of market conditions?
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Jul 21, 2017 03:24
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jet sanchEz posted:I have a defined benefits pension, what's so great about them? You basically don't have to worry about having enough capital to generate enough returns to keep your loving rear end alive when you can't work anymore. I have to make sure I have [xxxx] million generating 5 or 6% a year. I also have to make sure whoever is managing my money at that time is doing his job. If you have a defined benefit pension you can basically Yolo your income away if you're a profligate waste.
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Jul 21, 2017 03:25
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Also you only need to contribute a couple percent usually and get like, 75% of your final year salary until you die or w/e. Just on the numbers alone they're also extremely generous.
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Jul 21, 2017 03:28
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namaste faggots posted:If you can't figure out the profound error of that analysis then Maybe you should let her professors know about this supposed error considering that she successfully defended this masters thesis.
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Jul 21, 2017 03:30
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Risky Bisquick posted:Where are you getting 8% from buddy. Robos are gonna give you 4-6% at best. Are you like 50% into the nasdaq or something. Just anecdotal. Following Canadian Couch Potato's advice. Vanguard ETFs usually do about 8% over the long term.
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Jul 21, 2017 03:33
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Well, when the economy crashes wiping out your investments, and your defined benefit pensions are quietly axed with tiny payouts, just remember the best retirement investment you can make: 
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Jul 21, 2017 03:41
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namaste faggots posted:I was just discussing this with my wife but we really haven't missed out on building any equity simply because we have access to better financial services than most people. Robotraders like wealth bar aren't bad but if you aren't investing your money in your TFSA and rrsp you might as well rely on housing as your retirement plan. This is the saddest part about the demise of defined benefit pensions. Investing is hard and is really really hard if you don't have the capital to access decent financial advisors. Read : not loving mutual fund salesmen. Defined benefit pensions solved this problem. Just buying some reasonable collection of low-cost ETFs and holding has crushed basically every 'decent financial advisor' for the past 10 years now. I understand that most people don't do this but it's certainly not what I'd call hard, especially not in this market. When things go south we'll see how many people stick to their 100% S&P portfolios though or just panic sell. Defined benefit pensions solved two problems -- equity allocation AND bad savings habits (forced savings via mortgages also helped there). That plus the housing bubble basically idiot-proofed retirement for a whole generation of people.
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Jul 21, 2017 03:47
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gently caress low cost ETFs plow everything into unregulated Mortgage Investment Corporations. YOLO ! Housing can never go down.
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Jul 21, 2017 04:01
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Hahaha are you two fuckwits getting masters degree in real estate at ubc
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Jul 21, 2017 04:16
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blah_blah posted:Just buying some reasonable collection of low-cost ETFs and holding has crushed basically every 'decent financial advisor' for the past 10 years now. I understand that most people don't do this but it's certainly not what I'd call hard, especially not in this market. When things go south we'll see how many people stick to their 100% S&P portfolios though or just panic sell. If you'd bought etfs 10-20 years ago you'd be really well off. Do you think buying an etf today and holding it for the next 30 years is going to yield an equivalent performance? Larry Summers doesn't think so. If you'd bought an etf in 2008-9, you'd be kicking rear end so hard. We all know why don't we? On the other hand if you'd bought it in 2006, where would you be now? Imagine buying some poo poo like $SPY in 2007. You'd be up 60% over 10 years. That's 6% year which is pretty ok. My wife's employer loving ploughed cash into the market after lehman monday. I was making GBS threads my pants wondering if I'd have a job in the next couple weeks. I think that kind of resolve is worth paying money for. I'm going to stick my neck out there and say that even the most advanced algo trader (or ~AI~)isn't going to know what to do in a situation like that. My point is, if you're young and you don't know what to do with your money, it's unlikely that the wealth your parents accumulated are ever going to show up in quite the same way for you in the next 50 years. So yeah, I guess go ahead and bank your future on a human centipede of chained mortgages. You're going to get bailed out anyway.
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Jul 21, 2017 04:52
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