Reminder that “engagement” is likely a major factor regardless of whether it’s agreement or not. Commenting that you disagree with something is the same as commenting agreement as far as the algorithm is concerned. Ignoring things that you don’t want to spread seems like a good way to combat this, but that leaves you with the “echo chamber” issue. If we only engage with things we agree with then our ideals are never challenged and we don’t have an opportunity to improve. Seems kind of damned if you do damned if you don’t.

For a regular personal loan it might be close. I can say over the last year my TFSA did a little better than the rate on my line of credit, but that’s just an anecdotal data point. Where it usually makes more sense is something like having a mortgage, which is generally a lower rate, making the minimum payments on a long amortization period and using any extra cash to invest. For a minimal risk investment like GICs and such the return is minimal. For a longer horizon, more volatile equity investments will do better, but also more risky for short term gains.

Is there anywhere else that’s switched to proportional representation, run-off voting, or similar from FPTP? How does it affect things like regional representation. Seems like it creates instances where the candidate from some ridings gets a seat with fewer votes than the other candidate. I think the urban/rural divide is only going to get worse as technology leads to more migration to urban areas even though it’s the rural population that’s taking care of the fundamentals in our economy.

I’m not sure how effective it is, but it seems like CRA has been tightening up on some kinds of business expenses, or at least my previous employer interpreted it that way. When people have things like company vehicles or phones, or get comparable benefits from work the value of those things being used for non-work related purposes is taxable. That’s also why there’s standards for things like mileage or per-diems so people can be compensated for realistic expenses, but not use it as a way to avoid income taxes.

We should also be careful about how we close some “loopholes”. Like it makes sense that a person can mortgage their personal property and use that to fund their business. It also makes sense that they can claim the interest on that mortgage as a tax deduction since it’s kind of a business related expense. It feels different when someone with a net worth less than a million does that compared to someone worth more than a billion, so I don’t think it’s closing the loophole altogether but putting limits like only claiming interest on something like $300k of debt (or something close to the average amount owed on a home of an average valuation).

I’ll also add that the idea behind reduced taxation on capital gains is it encourages people to invest in businesses and grow the economy. That makes sense economically. Canada also does better than some places(USA) in this way because capital gains are considered realized and paid on death so there’s not really a way to avoid them altogether, at best you’re putting it off for 60ish years. We also have things like the TFSA, which allows us to invest without being subject to capital gains tax. A person able to max out their RRSP/TFSA/CPP contributions would have a very comfortable retirement, while people earning significantly more have more limited options in deferring/eliminating their tax burden.

Exploitation is the key term here. Things like Co-ops and Crown corporations work to put capital back in the hands of the workers/customers/tax payers, but they can have a hard time competing with private industry. People like the idea of supporting local/sustainable/family owned/etc. but budgets are tight and Walmart or Loblaws fill your grocery cart for 10% less than the local Co-op. This all snowballs, the chains can pay less because they’ve got more positions to fill, they keep things cheap through economy of scale or negotiating power and keep that scale because they’re a bit cheaper then the socially responsible options. People work for the chains because there’s not enough jobs available at the local stores and they can only afford to shop at the chain because they’re being paid chain wages. If we could get enough people together we could enact a change, but that’s hard to do when so much of the population is one missed paycheque away from not being able to pay rent or groceries.

That kind of leaves regulatory or Crown-corps as the better solutions.

It gives more options to customize layout. Removing the second staircase also removes the need for a hallway all the way through the middle between staircases. Since bedrooms need windows, removing the staircase also opens up space to add 1-2 more bedrooms per floor. Part of the issue with the hallway and 2 stairs is you get a corner unit on each one and everything in between gets just one outside wall. Making a bigger building footprint doesn’t help a lot because the floor area increases more than the wall space(which you need to put windows so your apartment doesn’t feel like a dungeon. Which is why apartments tend to be long and narrow, or sometimes wrapped around a central courtyard.

I read somewhere about North American vs European apartments, particularly the smaller 2-4 floor/3-4 units per floor ones, and the European ones tended to have a smaller footprint, but more wall space and more practically usable space than the North American designs.

I guess I understand this trend for battery powered stationary devices, but I really hate it. We already have a common system for powering doorbells that doesn’t ever require charging or changing batteries.

Sounds about right. We took advantage of the Greener Homes Grant a few years ago to get all our windows replaced in our late 70’s build. It’s a very long process where you have to pay up front for an inspection/evaluation from one of their approved providers, which are often booked months in advance, then you have to pay up front for all the work done. In our case we paid 50% up front then had to wait a few months for the work to be done, then had to book another inspection/evaluation. If one wants get multiple qualifying items done they all have to happen between both evaluations. After that second evaluation you can ask to close it out and receive the grant. Most, but not all of the cost of those evaluations is covered when the grant is approved. IIRC the grant ended up covering about 20% of the cost, but it was over a year to go through the whole process. The Greener Homes Loan came out after we had already received our grant, and if we wanted to do more work to take advantage of it now we’d be on the hook for another post-work evaluation. It is a step in the right direction since you it helps cover some of the up front costs of eligible retrofits. Sask also had a home renovation tax credit available at the time(conveniently implemented just after I built my shed which would have qualified) so it was nice to double dip and get another 10% of the cost rebated, but it’s also something where a person has to pay up front and wait for tax time to see the benefits.

Its great for people that can afford to have the work done and in our case it was probably the difference between us being able to do all our windows at once vs just doing the high priority ones and leaving others for later. It’s pretty much worthless for so many that are already struggling day to day and would probably see more energy savings than those who can otherwise afford to keep up with modernizing their home.

I feel like I’ve also seen the same effects of overestimating energy savings that the article brings up. It’s like they’re standard is a home that’s 50+years old and has seen minimal upgrades done in that time. Air sealing and insulation is more impactful if you have an ancient, lower efficiency furnace, than a modern high efficiency one. That goes the other way too in that an old drafty house will see more benefit from a new furnace than a well sealed and insulated one. Really, without these kinds of grants available it’s rare for energy upgrades to actually provide a real return, aside from a handful of relatively cheap/simple ones like air sealing or adding attic insulation.

One program that does really benefit those in need is the one from Sask Energy. It’s free to participate, and rental properties are eligible(with landlord approval). It includes things like a clothes drying rack, sink aerators, LED bulbs and a smart (ecobee lite) thermostat. They also have a newer program that I haven’t really had a chance to look into yet that does things like doors. These are the kinds of programs we really need.

Yep, this is the tricky part. We can’t just roll over and take it because in the long run that just ends up hurting us and they get their way. We have to be careful about our response since they’re going to try spinning whatever we do as making us more responsible for the negative effects of the tariffs then the tariffs themselves. I think the key is targeting the response in a way that hinders the people responsible for this mess, mainly those billionaires that know that they can take advantage of the upcoming chaos to further concentrate their wealth.

Definitely helps if the EU and elsewhere gets in with us on some things. Coordinate on the things that the US really can’t or would be prohibitive to do locally. Raise prices on those resources that Trump keeps saying they don’t need. Charge Hollywood through the nose to film in popular locations, limit access to core technology patents, or ease up on local copyright/patent legislation that tends to benefit American interests.

It’s tough for Canada alone to win an economic fight against the US, but I think it’s in the best interests of most places to get involved because what’s to say the US won’t just keep expanding their reach as long as it works.

I think you still need a minimum wage, probably something in the range of 1/1800th of what the UBI is. Otherwise we end up with UBI essentially subsidizing businesses that would get away with paying arbitrarily low wages. Then you just scale up regular income taxes so people can still see a significant benefit from working those minimum wage jobs compared to the current system where benefits can get clawed back so hard that the difference between working full time min wage and being on benefits is negligible.

Yep, and they’ve got some parts that are pretty good from earlier. Things like being able to copy text out of a picture, or enter text from a picture anywhere. Flagging your vehicles location when the Bluetooth disconnects, noticing where “work” and “home” are and your usual schedule to offer navigation at the right time. I was looking forward to Apple Intelligence building on those kinds of things and making them more reliable. Some days though it seems like the stuff that used to work has become less reliable, and the new stuff isn’t mature enough to be really useful.

Tell that to the people that follow those restrictions. Kosher is one thing that we never really got into at my last job, but the people that don’t eat beef or only eat halal don’t really feel accommodated when you only have vegan options rather than a halal and/or non-beef meat available. The vegan options also aren’t necessarily halal, and the kosher people expect a pretty high standard of cleansing of equipment used on multiple products. Though in all cases there’s people that are more or less demanding when it comes to someone else doing their best to accommodate.

I’m also looking at it from the perspective of University food service where you have students on meal plans where you’ve committed to certain accommodations and providing for their complete nutritional needs. Most restaurants can get away with just not having halal proteins or just not having kosher options at all, but Universities that do dorm style housing with full meal packages have to put fort a little more effort.

Their 60% number is maybe misleading. What it probably means is all their meal items are served separately so if they’re doing a beef roast with roasted potatoes, and steamed veggies, that’s 66% of those offerings are vegan. It’s hard to get a good metric for what that means without also considering things like which vegan options are high in complete proteins, do all meals have good and varied options(if it’s the same vegan soup and salad bar for all three meals that gets old quickly) and if most of the vegan options are essentially side dishes for meat forward dishes or something that stands out as it’s own thing.

Admittedly it can be tough, because there’s so many groups to support. Some need vegan, gluten free, halal, dairy free, no pork, no beef, plus less common allergies. It’s hard to accommodate everything with dishes that are still going to appeal to people that don’t have those restrictions, or significantly increasing costs to accommodate 10% of your customer base.

Cost, and having something dedicated to the space. Maybe also that it controls your smart home stuff so you want it to stay in place and not be taken out of the home. I can see something comparable to an Apple TV with a built in display/speakers/camera. Don’t need much power, but something that can run your streaming services, YouTube for cooking videos, and a FaceTime camera for calls would be neat.

Yep, lots of things like cars, home appliances, home theatre components, etc. get regular, if not yearly, updates even when some of those things have a 10+ year lifecycle for the average consumer. It’s not like Apple stops supporting devices after a couple years. With things like the Apple TV that aren’t updated as often I end up putting off buying something that I want because, like you said, it might already be 2+ years old and I wouldn’t want to feel behind when the new one comes out less than a year later. I’d rather see smaller updates more often so there’s always something recent when I’m looking to buy.

I might argue that moving to just USB-C for the 2016 era MacBook pros was a little premature. In 2018 I opted for a refurbished 2015 largely because I wanted the variety of ports, and it seems they’ve stepped back a bit on the latest releases. Now though, if they didn’t move to USB-C I’d say they’re waiting too long. The issue with adopting new ports is most customers already have a plethora of devices with the existing standard, so many tend to carry on with that momentum rather than adopt the new thing and it’s growing pains. At some point though we need to rip off the bandaid and standardize on the best option. EU regulations are a big step to making this happen, and Apple is the kind of company that’s able to push the market based on what they support in their devices.

Remember the benefits of USB-C are that you can have one(or a few cables) that scale between 5 W and 240 W charging, USB 2 to Thunderbolt 4 data rates(plus things like audio/video, etc.), and even if you’re limited by the cable or the device at each end, there’s still some backwards compatibility that provides some base functionality rather than being completely worthless because the ports don’t match. You’re better off being able to connect a USB-C product at USB-2 speeds than have a micro-USB Super Speed cable/product that doesn’t connect at all.

Either way, people are going to complain. Some that there’s little innovation and things are too much the same as they were years ago. Others that the new innovation breaks compatibility and they need to replace cables/accessories to stay up to date.

Maybe, though it’s shitty that we got two years, then four more. I held out since the iPhone 7 for the 12 mini, but I feel like 4 years is a good run and I’d like to upgrade this year. I also feel like if they keep the S.E. line going then every other year is better. 4 years feels rough for people looking to purchase in the second half of that cycle.

Some systems already have that. Replaced a switch yesterday and re-arranged some things on my network board and got a HomeKit notification that some things were offline and when it came back. Knowing when something goes offline isn’t as useful as keeping things up though. With something like a hardwired camera/NVR, even if your ISP service is interrupted the cameras can still record, and you can put a UPS there to keep things going, even if the rest of the network is down.

That was my thought too. Wonder what the timeframe was because if it’s data collected over multiple years you’d expect to see an overrepresentation of vehicles that were sold through that whole period while models that get discontinued, or launched in that timeframe would be underreported. Also maybe some demographics, like was the high number of S-10 while it was available new and presumably driven by people that recently purchased those new vehicles, or is it 10+ years after it stopped being sold when it’s the old farm shitbox or a young guys first truck.