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Annual update. I finally input everything into a sheet that tracks cumulative performance across all accounts and extends back quite a while. Not quite all the way back to when I started self-directed investing as I restarted tracking when I met my wife and the brokerage I used before no longer...

Brampton still has a $34M loan used to buy their army of speed cameras. Now they have no revenue, a pile of cameras they have no use for and a loan that must be paid. Morons. https://www.bramptonguardian.com/news/council/brampton-photo-radar-debt/article_51b1d843-9f2f-5024-98ec-1b1ea7a37840.html

Both? Add in provincial negligence as a third factor. They made a snow ramp up and over the wall. Someone already launched off it that day. They promise to clear the death ramp in the coming days. I think that will be a hard fight in court. Province doesn't deserve 100% of the blame, but a lot...

Good guardrail hit. Pieces flying off. Speeds away at mach jesus. https://www.facebook.com/share/v/17wJ7F6KWv/

Move a bit north. You can get at least a few hours of work every week. Some weeks you can get a few hours every day.

BMO holds it for a bit before they give it to CIBC.

We need @Wingboy to post some more videos of snow donuts on the Ural.

Put all your new furniture in the garage and rent it out for the winter. That generates money to pay for HD parts and gets it back on the road.

Cibc happens instantly (Chequing<>LOC). Scotia goes to pending instantly and then takes days to transfer from pending to complete (Investment>HELOC). Rbc removes money instantly and adjusts receiving balance in a day or two (Chequing>cc).

Already gone

100k immigrants a year is awesome. 1M a year is an unmitigated #%@$show. I love to try food from elsewhere. Overwhelmingly I like it. I have found some things that I never plan on eating again.

Near cobourg. Any bike store I knew out that way is either gone or has new owners that I haven't dealt with.

I think that would result in at least one death. Whether that accelerates potential inheritance, solves the MIL problem or we attend MP's funeral is a big question.

In that case yes, there are many parts to the value proposition. If I am transferring money from account A to account B at the same bank, it can still take days and the bank has provided no value. Transfer from Bank C to Bank D is even worse and again, they provided little other than...

Like most garages, it's more than half full of stuff/tools and his bike/lift etc. If he used the open space to make a bedroom, it would be a prison cell. I agree about leaving the garage door. The conversions look weird. Black out any windows and frame behind the door and it looks like a garage...

Tfx is good but pricey. Is @infernobuster still moving bikes?

Stealing all the money for a few days gives them billions in capital to lend out at zero cost.

When I replaced my furnace, I downsized it a lot. Iirc 125k btu single stage down to 72k btu 2 stage. Old one had over 100 degree temp rise and would short cycle. With the new furnace, typically stage 2 is only triggered if you raise the temp 3 degrees or more, stage one fires ~7-12 hours per...

A friend's mom loved baking pies. She'd make at least one a day, sometimes up to five. They put a pie shack at the end of their driveway to try to get them eaten as fast as she was making them. No orders, no idea what flavors would be there but they were delicious.

The chipmunk published a statement about the great success and how they have close collaboration across borders and that's why he is in custody. I don't think I have seen a politician more detached from reality and that's saying a lot. https://www.facebook.com/share/p/1DXaQizhvN/