Viewing profile — spoonie

It’s my understanding that non-competes have no teeth in Canada — in the software industry at least. Is there some except for comp/electrical/mechanical engineers as may be employe…

Specialized travel agency called Your Golf Travel.

Full disclosure: was making CAD 70k/year at RIM and my next full time job started around Nov 2013 for GBP 41k/year (and by March 2014 visa stuff was settled and I’d moved to London…

A layoff isn’t about you! The company said they don’t want anyone working in that position anymore, not just you. It doesn’t reflect on you at all! :)

Laid off from my first full-time job! Started at RIM/Blackberry in Jan 2012 in the BB OS group working on BB10. Was laid off in March 2013. Got 10 weeks of severance so I was funem…

But you had to have saved up money in the first place in order to make a downpayment on the mortgage. If your rent is so expensive that you can’t save any money then you aren’t goi…

Canada has free “Interac E-transfers” that you can send to an email address or mobile phone number.

Exclusionary zoning is an even worse form of institutionalized privilege that benefits the wealthy and middle class rather than the poor and middle class.

I agree, except that housing right now isn’t a free market precisely because of zoning rules that artificially limit what can be built and where. Until existing land owners lose th…

Yup it’s a combination of protecting those who are less powerful and I would argue a way to avoid perverse incentives. If a landlord can arbitrarily raise rent, they have no incent…

I get that those opposed to density claim this is one of the reasons they oppose it, but is there any evidence of it? Usually an increase in density in an area will increase land v…

If I'm happy to have gains when I do nothing but my neighbours improve their properties, then I’m also happy to risk losses when I do nothing but my neighbours make changes.

Yes in Toronto these are called Development Charges and are charged to the buyer/builder proportional to what they are building.

Those landlords should go out of business in a free market. Not properly accounting for maintenance costs is a business failure, not the tenant’s fault. If property prices are high…

I should be able to build whatever I want on my private property. Whether it’s a house or an apartment building.

That assumes that the market is able to bear those costs. What do landlords do in stable markets where rents are flat or track inflation? Are all rentals dilapidated in those marke…

Wasn’t this specifically made illegal back in 2012? https://en.m.wikipedia.org/wiki/STOCK_Act

No problem at all! :) Just curious about the sources of revenue from me as a customer if I don’t hold cash, don’t issue sell orders, and buy only ETFs.

I use a discount brokerage in Canada called Questrade. I keep as little cash as possible in my account (contributions and dividends get used within a few days to buy more ETFs), an…

They mean we can stop worrying about those homeowners who oppose an apartment building being built near them on the basis that it reduces property values. Because if the drop in va…

Those capital gains don’t go to the municipality though, and can’t be used to build schools or infrastructure.

Agreed, I was mistaking thinking about land values and public transportation within an urban area, not including commuter transit to suburbs.

When those taxes pay for services and amenities that make your city more attractive and it grows you get two broad benefits: network effect, and quality of life. Network effect is …