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In hindsight, with the lowering of interest rates propping up both the value of housing and the value of equities, the optimal strategy would have been what you described above. Keep renewing and extending the mortgage to 25 years, lowering the payment substantially from what it was 10+ years...

Anyone who chose to rent in the GTA (and much of Canada I suspect) over the last 10-25 years got completely burned. With interest rates continuing downward, many peoples mortgages had low payments in the latter half of the mortgage. I lived in Sonoma Heights (Woodbridge) from 2001 to 2005. In...

Same way the left picks and chooses their "facts" when they state: "White people kill more people and collect more welfare than black people in the US" When in actuality from 1970 to 2005 blacks committed homicide at a rate 700% that of whites

A continent rich with natural resources, ideal climate for agriculture. Yet they squander the teachings of colonialism and have gone backwards. Huge government corruption. In one hundred years not much will change and people will still blame others... Compare that to the Japanese. No natural...

So why allow ANY discounts for more than one vehicle in that case? There are endorsements excluding others from operating vehicles. Just make it clear that only the named person has valid insurance on the vehicles. Anyone else caught operating the vehicle is given the no insurance ticket. Any...

Im well aware its not exactly an apples to apples comparison. None of us have any hard data on US, UK, AUS coverages and costs. But I am still very confident that per KM ridden, all things being equal, we pay more. I would be curious to find the fatality per written policy here vs those others...

Cultures are different. Jews had arguably the worst history yet always prosper. They instill the idea of responsibility at a young age. Place emphasis on knowledge, education and community.

You can play the imagine game with virtually any civilization or race that has ever walked the earth. For much of human history life was terrible. Afro-Americans are not the only group of people that have endured hardship. Tracing ones ancestry has what affect on their behaviour in the modern...

Much lower than they are. When you look at how much bike insurance is in other parts of the world where the riding season is twice what ours is its pretty shocking. Wouldnt suprise me if insurance per km rode is higher here than any other place on the planet. Have an uncle in Ireland who...

Where do you see it going over the next few months? I sold the little shares I had at $5x right after the reverse split.

Bunch more Id add to the list, Homolka, Terri-Lynne McClintic, Michael Rafferty etc You know the system is screwed up when anybody can claim they are indigenous and then be given access to healing lodges like Terri McClintic. Abducted and beat an 8 year old child to death using a claw hammer...

Dellan Millard and his buddy with the prior petty offences, Mark Smich, murdered and incinerated two people, joked about it, made rap lyrics about it and never once showed any remorse to even the families in court. They are inherently evil. To top it off Millard also murdered his father as he...

There are certainly evil and bad people in our world. Im currently listening to the Tim Bosma murder on a podcast. Dellan Millard had a better upbringing that me and probably everyone else on this site but he chose to be a manipulative, murdering, psychopath. He is evil. You cant compare...

So what is your solution then? How do you balance keeping society safe while allowing dangerous people more freedom? Whose interests are more important protecting? The majority of people who have had less than stellar childhoods dont end up committing violent crime. The idea that the purpose...

I thats the case he had what was coming to him.

Not everyone thinks like you... Many people do not want to become better. You are suggesting we become less harsh on crime. For petty weed charges (in the US) absolutely but it needs to be more tough on violent crime when the person is a repeat offender.

09 CBR600RR. 2 years exp, M2, 38 y/o, Vaughan. Clean record Got my renewal from TD, went from $1710 to $1330 per year. Full coverage 500 comp 1000 collision

Do you have any evidence he was raised a racist? Do you believe he meant to kill him? Do you have any evidence he was on drugs? There is evidence Floyd had meth and fentanyl in his sytem at the time of death. There is evidence showing Floyd had been arrested multiple times throughout his life...

My mistake, I misunderstood you.

They will argue and protest this one too. Its what irrational people who have no sense of responsibility do. They are not interested in right or wrong. I think the solution many of them desire is for the police to just go away completely.