I have one of those policies on me. Dividends pay for the premiums and interest now, and my mom took out a loan on it at 3% when rates were around 20%. Might pay for my box.
But again from what I've read that's the wrong way to do it. Insurance is simply not a good way to grow cash. They're better off investing that cash, letting it grow and then pass that on to the kids. Insurance is for insuring things it's not an investment tool. At least not a good one.
I drove into the core a week or so back along Bloor West with its bike lanes. I saw one bike but hundreds of pedestrians on the sidewalks, many older and walking with canes. They aren't agile and their bones break easily.
The city just handed out their snow plowing mandates. Bike lanes get plowed before sidewalks.
Come winter snows, if cyclists find the paths too slippery they can walk or take public transit. Pedestrians have already taken the safest most energy efficient transportation option. What are they expected to do next? Crawl?
The plan appears to be in place to convert High Park into the private preserve of cyclists and nearby residents.
A 400 acre billion dollar country club for the politically connected.
Yup it's a chit show. From Bay back to the DVP exit is always rammed with traffic.
And they still have a 4way stop at Younge and Bloor. So it crawls both ways.
This isn't Toyko where something like that is effective with massive population and a huge intersection.
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