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    [–] What is an easy way to fuck up a simple meal? paterfamilias78 2 points ago in AskReddit

    No, he died of old age years ago. Never knew how good a steak could taste.

    [–] Owning a $350,000 condo would really cost me $814,500 over 25 years minimum. paterfamilias78 2 points ago in PersonalFinanceCanada

    You are either renting the place, or you are "renting" the money for 25 years to buy the place with a mortgage on title held by the bank.

    You cannot get the use of someone else's $350,000 asset for 25 years without paying for it, whether it is the landlord's asset or the bank's asset.

    [–] What is an easy way to fuck up a simple meal? paterfamilias78 2 points ago in AskReddit

    Yeah, one of them is a "Brussels Sprout". Figure that one out!

    [–] What is an easy way to fuck up a simple meal? paterfamilias78 6 points ago in AskReddit

    At that point, you might as well buy the salmon in a can.

    [–] What is an easy way to fuck up a simple meal? paterfamilias78 407 points ago in AskReddit

    A local legend in my neck of the woods used to eat a lot at steakhouses. He would order like this:

    "Burn me a steak. And then throw it back on the grill!"

    I cried inside just writing that.

    [–] Seasoned engineers, how do you keep yourself interested in a job position for a long time? paterfamilias78 6 points ago in AskEngineers

    I've been doing the same thing quite well for 15 years, and will probably do it for another 15, and I've struggled with boredom like yourself.

    Some of the things that keep me interested through the dull times:

    • Satisfaction found in the relationships with people who depend on me and my professional opinion to keep them well employed
    • Pride in keeping thousands of people safe (who might not even realize that I am doing so)
    • Happiness that I am providing for myself and my family with honest work of good value
    • "Pushing the envelope" in my own career, either to make more money or else to advance the profession or technology in a way that feels meaningful
    • Interests outside of work that develop me as a person

    All of these things require a sort of self-management and a detached satisfaction of my own value to others and to myself. It might not be what keeps others going, but these things have helped me to find satisfaction through countless hours of glorified number-crunching.

    [–] There’s a growing chance the Bank of Canada is done raising interest rates. paterfamilias78 17 points ago in PersonalFinanceCanada

    Yes and no. Existing relationships and trade proximity will take many years to change. In the meanwhile, we better have a good trade deal in place with our biggest partner or else we lose out "bigly".

    [–] ELI5: What happens to farmers that don’t have tainted romaine lettuce when the FDA or CDC suddenly recommends no one consume it? paterfamilias78 1 points ago in explainlikeimfive

    Yes, with the added point that the farm is being used as collateral, so it's kind of like part business loan, part mortgage. Many people would qualify for a $750k mortgage but a much smaller personal loan limit.

    [–] ELI5: What happens to farmers that don’t have tainted romaine lettuce when the FDA or CDC suddenly recommends no one consume it? paterfamilias78 4 points ago * (lasted edited 3 days ago) in explainlikeimfive

    I live in a community with farms, and the way I have heard the words used are as follows:

    A "hobby farm" typically does not generate enough income to provide for a family, and is run at a very small profit or even a loss as a "hobby". This is often as a supplement to the farmer's day job as an employee for someone else. A "small farm" is run at enough profit to provide for a family income (sometimes just barely) and is the farmer's full-time job. A "large farm" is owned by a rich farmer or a corporation and has many workers making incomes off of it.

    [–] What is the most First World problem you've had or have seen someone have? paterfamilias78 1 points ago in AskReddit

    Sometimes I select the slow option, even though I have Prime and the same-day delivery is free. It helps me remember how the other half lives. ;)

    [–] What is the most First World problem you've had or have seen someone have? paterfamilias78 1 points ago in AskReddit

    "And I would like you to provide an actor to body-double my driver and dress in his clothes. I wouldn't want to look silly in front of the country club ladies!!!"

    [–] Would you tell a friend that you inherited a large amount of money and are now financially independent? paterfamilias78 2 points ago in financialindependence

    Good advice. It's easy for me to follow because I already am a full time consultant from home. When I retire, I'll just neglect to tell everyone (except my wife and hunting buddies who would figure it out anyways). The world can think I'm still working while I'm doing other things.

    [–] Would you tell a friend that you inherited a large amount of money and are now financially independent? paterfamilias78 3 points ago in financialindependence

    It's a sure thing! Just front me a few thousand, and we'll be rich. Every time someone below me in the system sells a bottle of Essential Oils, I get a cut. BTW, do you want to sell some of these Oils? They cure everything, the infomercial says so.

    [–] Would you tell a friend that you inherited a large amount of money and are now financially independent? paterfamilias78 4 points ago in financialindependence

    Gentlemen, welcome to FI Club.

    The first rule of FI Club is: You do not talk about FI Club.

    The second rule of FI Club is: You do not talk about FI Club.

    Third rule of FI Club: Someone yells "Stop!", goes limp, taps out, the FI is over.

    Fourth rule: Only two guys to a FI.

    Fifth rule: One FI at a time, fellas.

    Sixth rule: No shirts, no shoes.

    Seventh rule: FI will go on as long as they have to.

    And the eighth and final rule: If this is your first night at FI Club, you have to FI.

    [–] ELI5: How do we know what names mean? E.g. Hercules wife was called deinara, which means husband destroyer. In ancient greece was this woman literally called husband-destroyer? paterfamilias78 1 points ago in explainlikeimfive

    English is loaded with them also, but the meanings have been lost. Almost all last names have an original meaning. Even first names have archaic meanings nowadays. Off the top of my head, here are some contemporary first names that used to be literal occupations:

    Cooper, Hunter, Archer, Mason, Fletcher, Miller, Sawyer.

    Maybe 1000 years from now we'll call our children by names such as Accountant, Doctor, Carpenter, and Engineer.

    [–] What's your most petty reason for wanting to FIRE? paterfamilias78 10 points ago in financialindependence

    Office Birthday "Parties"! That reminds me of one of my favorite Office Space scenes. Please do yourself a favor and watch that movie if office cubicle life is getting you down. It will brighten everything up.

    https://www.youtube.com/watch?v=rEGdCDQrgX4

    [–] How to rephrase "pay off mortgage" vs "keep it in retirement" paterfamilias78 16 points ago in financialindependence

    Unless we are talking about a tax-free registered investment account, it's equivalent to the 4% return plus the amount of tax you would have to pay at your capital gains tax rate, so probably more like 5%.

    [–] Did CVA just sell out to big tobacco for $15k?! paterfamilias78 0 points ago in Canadian_ecigarette

    People could follow their aspirations

    I see what you did there!

    [–] Do you consider paying down your mortgage as part of your FIRE savings? paterfamilias78 1 points ago in financialindependence

    Yes, agreed. It's a personal decision based on risk tolerance. Paying the mortgage reduces future interest expense (guaranteed after tax cost reduction) vs. potential of better market returns (not guaranteed pre-tax returns).