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    [–] CRA ordered me to garnish an employees wages. It will force him to quit at worst possible time for my company. What are my options? paterfamilias78 2 points ago in PersonalFinanceCanada

    Ethical considerations aside, there are so many things that could go wrong with that.

    OP turns from CRA's friend into CRA's enemy. When CRA finally catches up with the delinquent employee, OP would be left holding the bag and CRA would have evidence to nail OP to the wall.

    [–] The 4% rule, and the money you leave behind paterfamilias78 5 points ago in financialindependence

    This might work, but unfortunately it will ensure that OP will be considered a controlling, vindictive, petty person by all future generations. Imagine how this will go down when explained to others 10 years after OP's death.

    [–] Parents choose not to help me pay for college, but make too much money for me to get aid paterfamilias78 0 points ago in personalfinance

    They make $110k, so the parents' salaries are probably only $50k-$60k. My parents made much more than this and still didn't pay for college. I took out big loans, and ended up with a lucrative career. I was salty about it for years, but the best thing I did was get over it and grow up and stop feeling like they owed me anything.

    18 is an adult. Anything the parents give at that point is a gift. 20 years later, I have significant money saved up for my childrens' college, but I still don't think that I owe it to them.

    [–] How to Escape my Financial Advisor? paterfamilias78 1 points ago in Bogleheads

    FYI, the S&P500 has returned a little more than 11% yearly since 2012.

    Your 11% return from your Brother-in-Law is right in line with the market as a whole.

    [–] Okanagan Man Believes he's captured definitive ogopogo sighting on video paterfamilias78 14 points ago in britishcolumbia

    There are lake sturgeon in Lake Okanagan, and they are often mistaken for Ogopogo. However, they are certainly not as long as the rolling wake in this video! Maybe if the swishing tail made the trailing waves, this could be a sturgeon. Hard to tell.

    I've also seen a moose swim clear across Lake Okanagan once - and then it turned around and swam back!

    [–] Helping recovery time paterfamilias78 4 points ago in fitness30plus

    Yes, the only two things that reliably help me recover personally are SLEEPING and EATING.

    [–] My boss got fired today. Time for a gut check on my FIRE options. paterfamilias78 2 points ago * (lasted edited 6 days ago) in financialindependence

    Worst comes to worst.

    Edit: I was wrong! It's "worse comes to worst."

    [–] My boss got fired today. Time for a gut check on my FIRE options. paterfamilias78 301 points ago in financialindependence

    This is a mute point. Don't make this guy the escape goat. His phrasing doesn't pass mustard, but for all intensive purposes it will make due. He could of used the correct phrase, but irregardless if it gives you piece of mind then you can correct him. If worse comes to worse, then by in large he'll learn from it. You nipped it in the butt, but in this doggy dog world, I could care less.

    [–] Older guy needing more recovery time - Advice, please paterfamilias78 26 points ago in nSuns

    You should read The Barbell Prescription: Strength Training After 40 by Jonathon Sullivan. It is published by the Starting Strength/Mark Rippetoe people (Aasgard Publishing?)

    It talks about managing recovery in strength training around the inevitable effects of age. It has practical discussions about the lifts and programming for anyone who is feeling the effects of age on joints, etc. I found it very helpful, even in my late 30s.

    [–] About those condos they're going to build right next to Sperling Station.... paterfamilias78 3 points ago * (lasted edited 9 days ago) in vancouver

    IANAL, but there are some noises that are allowed. For example, cities in the Fraser Valley legislate allowable construction hours due to noise, but normal (even if noisy) agricultural practices are excluded from this restriction under the Farm Practices Protection Act of BC.

    I imagine that under the common law of Nuisance, noises like foghorns, freighters, railways, and emergency sirens would be treated much differently than noises like parties and lawnmowers.

    The nuisance must be substantial and be an unreasonable interference. These two criteria make nuisance one of the most context-specific torts.

    The Law of Nuisance seems to be complex. The keywords being "unreasonable" and "context-specific".

    [–] Who is the Sweaty Startup? Why should I trust him? paterfamilias78 1 points ago in sweatystartup

    All of the richest people I know who are self made got started in sweaty and gritty service based businesses.

    Agreed! I know many successful business owners personally, and almost all of them made their first $1M with "traditional" small businesses. I'm talking about things like construction trades or business-to-business services (accounting, engineering, project management consulting, or even office cleaning or snowplowing). Some branched out into side real-estate development or investment, but none of them were the "Shark Tank" or "Tech Crunch" type.

    [–] What is this subreddit for? paterfamilias78 1 points ago in Entrepreneur

    Agreed, except for the fitness subreddit example. Many of the specialized fitness subreddits are excellent! E.g. specialized lifting programs, or people training for specific fitness activities.

    [–] For someone that’s expected to retire by 2055, reading headlines such as “Society could collapse by 2050” is discouraging. paterfamilias78 -13 points ago in PersonalFinanceCanada

    Every time I get into a conversation about Climate Change with a true believer, I come to think that Climate Change is a secular religion. It has Sacrifice, Penance, Redemption, Righteousness, and even Indulgences. Those who espouse it the strongest have the weakest understanding of its underlying Theology, which is supposedly science.

    [–] TIL you can report abandoned boats to the Coast Guard -- so I did. paterfamilias78 1 points ago in britishcolumbia

    TLDR: Apparently only allowed after you contact the government and get permission, ultimately the owner is responsible for it but govt can allow you to take possession.

    [–] About to take a startup risk. 30yo, 1MM NW, and $7000/mo in expenses. Advice? paterfamilias78 8 points ago in fatFIRE

    Agreed. One of the biggest risks in the plan is also one of the biggest potential benefits: the business partner. Of the many big-picture business mistakes I have seen made, the most common is starting out with a partner whose expectations and vision is different from yours. The second most common mistake is a lack of succession planning.

    [–] What's a technology we currently have that most people don't think exists? paterfamilias78 4 points ago in AskReddit

    Actually, the project was to literally just throw hundreds of nuclear bombs behind you...

    [–] Of all movie opening scenes, what one sold the entire film the most? paterfamilias78 1 points ago in AskReddit

    Bullshit, I can't hear you! Sound off like you got a pair!

    Who's the slimy little communist shit twinkle-toed little cocksucker down here who just signed his own death warrant?!

    Now let me see your war face!

    [–] Expat in China and the CRA driving me nuts paterfamilias78 0 points ago in PersonalFinanceCanada

    A Scotsman walks into a bar with a steering wheel sticking out of his pants. He says to the bartender, "It's driving me nuts!"

    [–] Earning less than new employees in same position as me paterfamilias78 6 points ago in PersonalFinanceCanada


    I never let salary conversations go there (budget, standard % raise based on time served, etc). Salary should be commensurate with individual performance and productivity. If the company is not providing an environment where the budget can pay productive employees well, then management is not doing their job and will not retain talent.

    Now that I'm later in my career and on the other side of the negotiating table (employer), I use performance and value to the company to determine wages. It's actually better for company morale to do it this way.

    That being said, I've never worked in a company big enough to have an "HR Department". These considerations are very industry-specific and performance-based salary is often easier to implement in a small/med owner-operated company than a large corporation.

    [–] How to work less hours? paterfamilias78 2 points ago in AskEngineers

    In my industry "contractor" is someone who builds things, while "consultants" design them. I'm not trying to be haughty with my job description; I'm just trying to offer an out-of-the-box answer to your difficult question.

    [–] Business Owners paterfamilias78 2 points ago in fatFIRE

    Consulting Engineer.

    [–] Living the high life. Semi FatFire style. paterfamilias78 12 points ago in fatFIRE

    I read that in Leonidas' voice from 300 when he chest-kicks the Persian envoy into the bottomless well.