* https://www.telstra.com.au/content/dam/tcom/dynamic-media-pr...
8,337 karma · joined January 1, 2023
* https://www.telstra.com.au/content/dam/tcom/dynamic-media-pr...
Depending on the commitments you had during your working life, you may need as little as 40% of your working income in retirement to have the same lifestyle (as opposed to the 70% number that is bandied about so much).
This appears to not raise as much money as many people think. Interesting conversation with UK tax lawyer Dan Neidle on the topic:
* https://www.youtube.com/watch?v=hgQONOM15HI
* https://en.wikipedia.org/wiki/Dan_Neidle
(Of course there could be reasons besides strictly revenue to do it, but folks should be realistic about the pros and cons.)
If you can't recoup your costs after a couple of decades your work either isn't worth anything commercially and/or you are incompetent in business. Regardless of which, society would probably be better served if you were out of the way and the work could be leverage by others.
Why does a couple with $180k HHI need to get anything?
When the CPP was being reformed in the 1990s:
* https://en.wikipedia.org/wiki/Canada_Pension_Plan#1998_refor...
There was a lot of debate about whether it should still be government run, or left to individuals, and it is exactly this situation that many folks said that there needs to be some component of retirement that should not be able to be touched by individuals.
CPP benefits are proportional to how much you pay in over your life. OAS is proportional to how long you've lived in Canada and thus 'contributed to society at large'; once your income is CAD >95k/indiviudal OAS starts getting clawed back (IMHO it should be clawed back much sooner).
On top of CPP and OAS it is your responsibility to have personal savings: RRSP/pension, TFSA, etc.
GIS is the 'poverty prevention' program, for people making less than 20-30k:
* https://www.canada.ca/en/services/benefits/publicpensions/ol...
* https://globalnews.ca/news/11705204/canadian-couples-retirem...
This survey is released by a bank that makes money from AUM fees for things like mutual funds. It is in their interest to think you need more, but most folks do not need as much as they believe. The study tends to be released during "RRSP season", which is close to the last time Canadians are able to put in money into their retirement saving account (RRSP ~ 401(k)) for the current tax year (and get a taxable income reduction).
This (flat) fee-only advisor goes over some of the preconceptions that have:
* https://www.youtube.com/watch?v=5LmiW4FgAL8
He's put out videos about what you can expect if you have 'only' CA$ 250k saved:
* https://www.youtube.com/watch?v=QLQk6X3NCPs (single)
* https://www.youtube.com/watch?v=_9-8CIvphfI (couple)
* https://www.youtube.com/watch?v=EkyvLe66G94 (couple)
Or even a single at 65 with $125k:
* https://www.youtube.com/watch?v=eYJwgEwxG-U
If you want to get into astronomy, he has a few good beginner advice videos:
* 101 books/binoculars/telescopes: https://www.youtube.com/watch?v=9IlmekWsEAQ
* some more books: https://www.youtube.com/watch?v=dhbAEx2le7o
* https://insidegnss.com/uk-and-france-renew-ties-resilient-pn...
Some things would depend on the specific location and the grid around it:
The Point Lepreau Nuclear Generating Station in New Brunswick may be 'overkill' because when it goes down every few years for inspections/retooling, there's little other redundancy available. SMRs would be useful for that regional grid: install 3-4 and one can go down with less fuss.
In (e.g.) Poland there were small/medium coal-fired generation stations near coal mines. If the mines are now empty (or retired for climate change), then the grid connections could be reused for SMRs on an existing generation site: less need to find a new site and build new power pylons, etc.
I was led to believe he actually won 3 times. /s
* https://www.whitehouse.gov/presidential-actions/2026/08/hono...
Or perhaps "Lake Michigan" to either "Lake Obama" (since Chicago is on its shores) or "Lake Epstein".
Any others?
There are a few specific cases when one may want to implement them:
* https://www.noahpinion.blog/p/when-are-tariffs-good
One should also be mindful one's manufacturing base:
Yes, because it's a one-panel comic.
What were these practices?
If I open a browser window and click on a YT video suggested on the main page, it plays on small portion of the screen of my 14" MacBook: there is little practical visual difference between 720 and 1080 at that 'video box' size.
If I open the same video on my 27" 5K iMac and full screen it there, then yes, there is a difference between 720 and 1080 (and 4K) there.
But I find 60fps does not improve the content / experience in any situation.
I've found that zero of the videos that I've ever seen that were 60fps improved things: certainly if I went full screen I could notice the resolution of 1080@60 versus 720@30, but in a standard browser window it was none.
* https://ysph.yale.edu/news-article/universal-health-coverage...
Study:
This is not chiropractor specific:
> Arterial dissection is well known as a potential cause of stroke in young patients. Vertebral artery dissection occurs most commonly in the setting of minor trauma but has been seen in cases of cervical manipulation. With advances in at-home therapeutic modalities for neck pain came the advent of handheld massage guns. These massage guns have gained considerable popularity in recent years, but their safety for use in the cervical region has not been well studied.
Personally I find most ((almost?) all?) >30fps generally unnecessary and just chews through bandwidth, monthly (mobile) data caps, and processing/batteries.
Are there specific cases where "HFR" videos are really improving the viewing experience of particular (types of) content?
(Note: in the table it's about support for HFR content, and does not necessarily mean that content is HFR.)
A "foo-announce@" or "foo-alerts@" mailing list.
* https://www.youtube.com/watch?v=Cg5tAujp6Go
And from a few years ago "The Special Memory Powering the AI Revolution":
[1] https://man.netbsd.org/raid.4
I first ran across the "RAID-5 is dead" 'meme' almost twenty years ago, with concerns that when drives reached >2TB you get higher chances of failed rebuilds due to BER / UER rates:
* https://www.zdnet.com/article/why-raid-5-stops-working-in-20...
See also 2013 follow-up:
Sure. With cops, a public service. But Apple is not a public service (this is an analogy after all).
You gave them money for what they offered at a particular point in time because you thought it provided you value; has Apple taken away anything that you purchased? Did they go from x.2 to x.3 and break/remove something? That's certainly a dick move. But you are still getting what you paid for.
Apple is free to change its offerings in the future based on what it thinks its customers need/want, and you are free to re-evaluate whether those changes still provide you with value, and whether you want to continue giving them money. "I got X in the past so I should continue getting X forever into the future" has never really been promised by any software vendor.