u/CastAside1812

It's an extra 500 a year you'll end up paying, which will continue to ramp up in future years.

Officially, it's to increase CPP from covering 25% of working income up to 33% of working income.

But with all of the recent talk about CPP Investments engaging in ridiculously bad investment strategy (active management, private equity) and underperforming their own benchmarks, there's something to be said about want that money for yourself.

Thoughts? Is regular CPP enough?

I always thought that if you walked past a ward with sweeper on, that it would disable the ward before you show on vision.

Now I find out that the ward range is longer than the sweeper range, so you're going to show on the map anyways.

So what the fuck is the point of taking sweeper for ganks if they're going to see me regardless? There's no counter to a warded bush.

I don't understand why people think a high dividend paying stock is pointless? The argument is always "the stock price goes down by the exact amount of the distribution". But is that even true?

Some of a stocks value is based on fundamentals, sure, but plenty of the valuation is speculative and based on perceived future performance.

Look at all these high valuation AI stocks. They're bleeding cash and making very little revenue, yet they have high valuations.

So why should I discount a profitable company that shared some of its profits with shareholders via dividends and also still retains its speculative value in the stock price?

Just trying to understand what young Canadians are able to put away each month and where they are allocating that savings for?

Hi everyone, I've been working in healthcare here in Canada for the last 4 years as an X-Ray tech.

I've always wanted to try living in Australia and specifically I want to move and take my skills to a part of the country that actually needs it, instead of just going to Sydney or Melbourne.

I've applied for a few positions at NT Health, I just wanted to know if anyone else was successful in being considered and getting sponsorship to come on a visa? These were all 1 year contracts so I'm not seeking PR right away, I just want to come and see how I like the city.

I'm sick of the freezing cold and darkness here in Canada and I love humidity, heat and nature, so Darwin sounds up my alley. Any advice in advance from the folks living here?

A new single family home was the standard product for young families in Canada for the last 80 years.

Young and new families would go find a nice new build they like, buy it on a single factory worker income, and pay it off with that single income while supporting a wife and multiple children.

Today - there is no such thing as an affordable new detached home. At best a struggling young family with 2 full time working professionals (i.e not factory workers) and 0-1 children can hope to afford a sardine packed quad-pack town home with no backyard and a cope balcony. They'll pay a larger part of their pay for this privilege and need both parents working to support it.

Every newly built detached home is for an entirely different class of buyer. They're priced from the 900s and up. This is for your upper 5% income households, and those that got in to the market 10+ years ago looking for an upgrade.

There is no option for young families to buy a new detached home anymore. I think it's a concerning societal shift.

This is usually the time most folks see their pay cheque increase by 200 bucks a month.

CPP2 is now in full effect. So just a reminder that you'll continue to see payroll deductions for the remainder of the year unless you make more than 85K this year.

Further reminder than CPP investments switched from passive management for a significantly more expensive active management that attempts to "beat the market" while losing millions.

All while your contributions go to pay their asinine bonuses because they retroactively change their bonus performance targets after they failed to justify the cost of active management.

Have a nice day!

Clearly humans that tolerated being around wood smoke (fire) and eating food flavoured with wood smoke (preserved and disinfected) would have an evolutionary advantage.

Most other types of smoke (Plastic, Hair) smell awful so I don't think it's a coincidence that we enjoy wood smoke.

Is this due to the benefits that wood smoke and it's consequences provided to early humans?

I cannot believe this. I had to rewatch the game and literally I do nothing even remotely close to intentionally trying to lose. I had the highest kill participation, most farm, 2nd highest vision score etc. I was there for every play and just played this as I would any other game.

I submitted tickets to riot support but I just get AI slop response. The manual review is fake.

1 day isn't long but I don't want this bullshit on my record when it's completely false.

Game was League of Legends, user is JimmyJoJR#NA1 and game ID is 5623420800

Watch for yourself, you'll see this is a complete error. How do I get a human at riot to review instead of an AI?

Genuinely what the fuck is wrong with this automated system. I never ever try to lose and now I'm suspended for a day.

The game in question I was carrying our team too while they ran it down. I assume they spam reported me because I was pinging their terrible positioning, but that's totally seperate from intentionally trying to lose.

The appeal is going to take longer than the ban. How is this ok? Meanwhile I get others crashing out actually running around stealing my camps every 3 or 4 games and they don't get banned.

I keep seeing this comment pop up online whenever there's a post about the latest winner.

What the heck is "still life" and why would the winners be that?

Sorry if this isn't super on topic, but I think it speaks to the massive gap between the economic opportunities available to the older generations and the generation of today.

So last weekend we had a big family BBQ and I had various cousins, uncles etc all together. One of my younger cousins (24) was discussing the bidding process for a townhouse rental in Mississauga.

One of my older aunts overheard this and initially thought she was BUYING the townhouse. She was absolutely shocked that people compete with different bids for a RENTAL property. My aunt said something along the lines of "in our day you just went to the rental place, put up last month's rent and signed".

She was so surprised to hear that the real estate market has changed so much that young people have to compete just for the right to be a renter.

After hearing what the rent was (2800 for a 2 bed townhome) she was even more shocked and was asking my cousin why not just buy at that point. We then had to explain to her that such a home would cost around 850K on the market and need about 200K down to get the mortgage payment even remotely affordable.

She told us she bought her detached home (also in Mississauga) back in the 90s for less than that downpayment amount. Mind you, this woman doesn't have kids so she hasn't necessarily been keeping up with what young people are doing on a regular basis.

Anyways, just goes to show you how much times have changed and also how unaware many older, voting aged people are, about the landscape for young Canadians.