kspaans

36 ms·

331.
by kspaans 11y ago
Disclaimer: grew up in Ontario, studied at UWaterloo, then worked at BB, then worked in London, UK for 2 years, and now moving to Silicon Valley on a TN visa. I wouldn't worry _too_ much about the brain drain. Sure the US is more lucra
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by kspaans 11y ago
Dividends are paid from after-tax earnings, so they can't get out of corporate income taxes that way. As the article said, they could give most of the profits back to the fund owners as dividends, but the government would still get get
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by kspaans 11y ago
But isn't one of the points of Vanguard that their investment management is cheaper by its very nature? Namely: passive, index-tracking funds are simpler and cheaper to manage than active ones? I can see that they could have run afoul
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by kspaans 11y ago
Because it's an interesting example of tax laws being, for lack of a better word, wonky.
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by kspaans 11y ago
Yup, it's not about security, it's about liability. With chip&pin you're virtually guaranteed that the bank will say "too bad" if your PIN gets stolen. But then again with the (possibly) lower fraud levels it ma
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by kspaans 11y ago
Do you mean lack of a credit score upon entering the US, or misconceptions about credit scores compared to other countries?
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by kspaans 11y ago
He admits that he works long hours to get that productivity though[0]. He's probably 10x better than many who would work the same hours as him, but I'd be willing to bet if he limited himself to 40 hours a week he wouldn't st
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by kspaans 11y ago
Try easing into it with a "everyone gets 1 WorkFromHome day a week" policy. If there is an enterprisey vacation-planning tool you use already, WFH can be added as a special kind of vacation. This means the managers can approve WFH
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by kspaans 11y ago
All day, every day for chatting with friends, and interacting with some FLOSS projects. At work I use Slack, though.
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by kspaans 11y ago
Don't try to time the market, it's a fool's game. Do regular purchases of a broad index ETF (exchange traded fund, low fees!), AKA dollar cost averaging as another child mentions. If you are worried about downswings, keep you
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by kspaans 11y ago
Agreed, it's almost universally better for young people. With families I would argue the US has higher cost of living though (education costs mostly).
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Plunging loonie may be a blessing in disguise for Canadian startups(kitchener.ctvnews.ca)
19 points by kspaans 11y ago|13 comments
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by kspaans 11y ago
> For financial advisors, the single best question I have is about returns. Ask potential advisors what returns you can expect through them. If they guarantee a specific return, don't work with them. If they guarantee a return that
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by kspaans 11y ago
Can you give some additional context about your roles? Right now you make it sound like you and 2 others did all of the development work but are only getting 5% equity (which is IMO too low). Has your partner in the US found clients/cu
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C++ Object Construction/Destruction with Applications to Resource Management [pdf](gallium.inria.fr)
1 points by kspaans 11y ago|0 comments
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by kspaans 11y ago
It's easy if you're talking about food and restaurant related things.
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by kspaans 11y ago
And the salaries are even cheaper in Eastern Europe and Asia, so what's your point? Remote work is great, but not all companies are ready for it yet. Disclaimer: I'm a Canadian working in the UK (after working for a bit in Canada)
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by kspaans 11y ago
Whoops, got those backwards: namely selling into a crash and then buying back in after the market has recovered. Thanks!
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by kspaans 11y ago
> and a menu that has fancy words for "fish" in it. I'm sure you're just exaggerating for effect, but that's kind of like saying "a menu with fancy words for meat in it".
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by kspaans 11y ago
Hahaha, in other words: "Please, customers, pay us commissions while you sell high and buy low." If you're diversified, with a long time horizon, even a "crash" just looks like "woohoo, cheap FTSE100 index fund
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by kspaans 11y ago
Check on personal finance sites for references for Financial Planners or Financial Advisors. If you only want tax advice and not investing/budgeting/estate planning, that should be cheaper. (I looked on reddit.com/r/pero
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by kspaans 11y ago
Or even us polite, frozen neighbours! It's in the news more lately because the newly elected government says it wants to change some of the tax rules around stock options.
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by kspaans 11y ago
http://investopedia.com is a great way to dive in and learn some vocabulary. They also have some nice videos.
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by kspaans 11y ago
Suka! (vinegar, amazingly varied and delicious vinegar)
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by kspaans 11y ago
Yup, I've watched mail that I send be delivered directly to Gmail inboxes even if I spoof the From address to be from a Gmail account. (Admittedly, the rest of the headers show it correctly coming from the uwaterloo.ca mailservers, whi
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by kspaans 11y ago
OK, I agree the PAYE system is great for those who earn wages/salaries. If you earn ~£43+/year you are in the 40% bracket and may have to file a tax return, however. That's in order to get things like the right amount of tax
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by kspaans 11y ago
> and down to the awesome simplicity of their tax forms and tax code. Actually the UK tax code is canonically simple and should be adopted by the whole world ;) I hope that wink means you're being sarcastic.[0] Yes, the majority of
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by kspaans 11y ago
So all of the truck drivers will move to the rainy coasts and Canada/Alaska, and all of the driving-labour-sensitive industries will move to the sunnier parts of the continent? :P
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by kspaans 11y ago
Regardless of your friend's skill, it's possible he simply didn't have enough seniority-capital to dodge the axe. Juniors, as in newer-hires, are sometimes the first ones cut during a lay-off.
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A National Angel Investor Tax Credit Program Will Spur Innovation in Canada(huffingtonpost.ca)
1 points by kspaans 11y ago|0 comments

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