heckler profile

The first Rampage photo essay I've actually looked at all the pictures in a very long time.  Nice work Cy!

DM in Insta.  Just one concept from Mathew

Jerry, do you see a difference in maintenance between Fromme and Seymour sanctioned trails?

Because Fromme has an agreement between NSMBA and DNV for paid trail work, where Seymour does not (yet).   

Your vote matters.

and Matthew Fairbrother was the second half of my post, thanks! This kid rocks! Give him a follow IG @matthewfmtb so he can get some more sponsorship!

https://www.instagram.com/p/ChX2l24ORw5/?utm_source=ig_web_copy_link

> After the shortest but most eventful commute yet I’ve made it to Sugarloaf for @world_enduro #6! 🇺🇸 > > This leg was a relatively short 240km but was the most mentally challenging and action packed ride to date.

We both pedaled a stock Giant Reign and Hail Advanced (the old 27.5 ones), fully loaded camping from Auckland to Rotorua.  Best and worst ride of our life!

-rough mountainous gravel roads (great gearing, perfect tires, nice to have suspension, I don't know how people ride this on road (gravel) bikes)

-pea gravel paths (this sucked, wrong gearing, super slow tires)

-shoulderless 100 kph highways (this really sucked, we ending riding along the ditch for safety, the mtb were perfect!)

-undulating gradual downhill flow trails next to a river (amazing!)

-endless rough mountainous gravel roads (again, happy to not be on a gravel bike, but way too slow)

-DH trails and shuttling with friends in Rotorua for 2 days (amazing, this is actually why we went there!)

-stupid Covid shutdowns canceled our holiday plans to ride back to the airport and put our bikes in a rental van. (no bike deserves this!)

yup, my 99 GT I-drive got drilled out stops once it started riding in the rainforest.  I'd never go back to split housings.

Tuck in those big shoelace loops, at least on the drive side.   Unless your carrying spare shoelaces in that camera bag.   Nothing worse than a lace caught in the big chainring with 200 km to go.

I bought a nightgown in the big Beijing tourist market as a gift.  Try explaining the XXXL to my wife. But it fits and she (usually a Medium) still wears it. 

Chinese sold sizing is out to lunch for the rest of the world.  Go big or go home.

Where is part two?

I just have trouble adding the extra weight of a dropper and suspension fork to a nice lightweight ripper, when my hardtail has that (well, not even a dropper).  One bike with a creaky steerer is enough.

Posted by: XXX_er

Convoy 1.0 did work once but the burning question might be are things unfree enough for it to work again

We just flew YVR-USA.  Apparently the vax is still a flight requirement, but the only authority who asked was the airline desk at the gate, after we’d been checked into the plane, and it was definitely an afterthought with no request to show evidence.   Free, except  not really.  

But that’s a US entry rule, isn’t it?

Canadian version of 2021 asset class returns periodic table, one of my favourite chemistry lessons.

https://www.franklintempleton.ca/en-ca/planning/investor-education/why-diversify

(see the Download the Why Diversify investor flyer, which they seem to have protected from sharing somehow)

And in other news, Chupacabra said fart.

We recently had a discussion - why don't we get ourselves some jobs that provide a pension? Government, teacher, union, etc... Some of our parents have one or several, hell my mom gets some money from Germany for when she was a bricklayer for a year after highschool!

I can't picture what that job would be. Outside of CPP/OAS, my 3 jobs have matched 5% to my RRSP, that's it. The better half is fully self-reliant on her own future, given the jobs held.

Nor would I want to work the next ten years to get a pension! The past 8 years of being a mini-capitalist has been sufficient to get the snowball rolling - that's evident to me this past year.

PS - yesterday was N.B.D., so still "investing" in carbonium too. But also sitting at 48% Net savings rate this year. It plummeted from a one-year peak of 75% in 2018 when my RSP maxed out.

Not bad, but I hate to point out the next two /r/personalfinancecanada post are how to make truck payments.... I guess that's where a good credit score comes in.

The list is missing "don't get sold high cost mutual funds"

Granted, I'm still trying to convince my sister to use her TFSA room - it's not isolated to immigrants. And my parents (immigrants 50 years ago) are convinced their CIBC mutual funds are low-cost because they're in a special 'group' plan.

Posted by: chupacabra

It doesn't serve any useful purpose except for lazy journalists.

I am not torn between emotions.  I hate our MSM now using 'he said, she said' as news.

Posted by: Adam-West

Posted by: Stuminator

The people have spoken. Trump is back on twitter.

'Russian bots

Johnny law tales his sweet time but eventually catches his fugitive.

https://www.fbi.gov/wanted/cyber/russian-interference-in-2016-u-s-elections

https://www.fbi.gov/video-repository/portland-chamberlain-concerned-about-impact-russia-or-other-countries-on-elections.mp4/view

Lemme get this right - Musk closed the office for the weekend?  

Revolutionary. 

Twit.

Kick Ass Niels!

My mom was surprised when I told her my total portfolio is positive for YTD (including contributions), where their "safe" 50/50 high fee CIBC funds are down more than 10%. They're 80 years old and won't take my low fee index self directed advice, in case it fails (in a way, I'm happy for that). But I was happy to be able to explain to her why her 50% bond allocation crapped out this year, but will fill in the next 8-10 years (if they live that long, shiiiitt....) They also have terrible asset location for taxes, and hardly any US exposure.

One new point of learning for me, in case I or my spouse should die early.

TFSA Beneficiary vs TFSA Successor Holder.

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/death-a-tfsa-holder/successor-holder.html

Define your spouse to be a Beneficiary, they will receive your TFSA in cash, to be invested in their own accounts. Thus their TFSA limit stays the same.

Define your spouse to be a Successor Holder, then your TFSA moves to their ownership as a TFSA. Thus their TFSA limit doubles, saving gobs in future taxes.

We signed the forms. They're hiding in your TFSA account brokerage somewhere.

(I hope I understood the meaning correctly!  If there are any tax law accountants out there, please pipe up!)

WWIII averted. Now let’s get Zelensky some proper air support so he doesn't misfire with rusky junk again

https://www.bbc.com/news/live/world-asia-63593855

Sidebar - Kremlin praises Biden for being “restrained and professional”.    That’s quite a compliment coming from RUSSIA, a TERRORIST COUNTRY.